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InsureandGo Backpackers Travel Insurance

Heading abroad for an extended period? Cover yourself for up to 18 months with InsureandGo Backpackers Travel Insurance.

Travelling light with a flexible itinerary is a great way to see the world, and thousands of Australians head off on backpacking holidays every year.

However, travelling on a budget shouldn’t mean skimping on travel insurance. InsureandGo Backpackers Travel Insurance (underwritten by Mitsui Sumitomo Insurance Company Ltd) is designed to give backpackers the best of both worlds.

It provides affordable comprehensive cover for the essentials, including medical and hospital, trip cancellations and lost or stolen luggage, plus optional extras that backpackers often want to include such as winter sports and high-risk activities.

Apply for InsureandGo Backpackers Travel Insurance

Brands Product Product Details Apply
InsureandGo InsureandGo Backpackers

Cover up to 18 months of travel

Unlimited overseas medical expenses

Cover for up to $10,000 for curtailment

Multiple excess levels to choose from

Get quoteMore info

What does the InsureandGo Backpackers policy cover?

CoverBackpacker SilverBackpacker Gold
Compassionate home visits$10,000$20,000
Delayed baggage$100$200
Electronic devices$1,000$2,000
Emergency expenses$10,000$20,000
Hospital benefit$500$1,000
Legal expenses$5,000$12,500
Medical expensesUnlimitedUnlimited
Passport and docs$1,000$2,000
Personal accident$25,000
Personal liability$1,500,000$2,500,000
Rental car excess waiver$4,000$4,000
Repay Student Loan$15,000
Travel delay$500$1,000

With a choice of two levels of cover (Silver and Gold), InsureandGo’s Backpackers Travel Insurance is designed with the adventurous in mind, offering a comprehensive range of benefits plus additional options to suit every kind of traveller. Key benefits include:

  • Trip cancellation. Covers prepaid expenses if you have to cancel your trip prior to departure for a specified reason such as death, illness or injury.
  • Medical and other expenses. Covers costs incurred outside of Australia if you die or become ill or injured.
  • In-hospital benefit. A daily benefit to cover incidentals while you are hospitalised overseas.
  • Trip curtailment. Covers your prepaid expenses if you have to cut your trip short for a specified reason.
  • Additional emergency expenses. Covers additional costs incurred if your trip is disrupted or you are forced to return home.
  • Travel delay. A benefit to cover costs if your plane or ship is delayed from leaving or returning to Australia due to a natural disaster, poor weather, industrial action or mechanical breakdown.
  • Personal belongings and baggage. Covers the cost of baggage and personal items lost, stolen or damaged during your trip.
  • Delayed baggage. A benefit to buy essential items if your baggage is delayed for more than 24 hours.
  • Passport and travel documents. Covers the cost of replacing your passport, visas and traveller’s cheques.
  • Money. Covers the cost of replacing your money if it is lost or stolen.
  • Personal accident. A benefit if you die or suffer a permanent disability during your trip.
  • Repay student loan. A benefit to repay your student loan if you die or suffer a permanent disability on your trip.
  • Personal liability. Covers your legal liability if you injure a third party or damage or lose their property.
  • Legal expenses. Covers legal expenses incurred in seeking compensation following your death or injury in an accident during your trip.
  • Rental car excess waiver. Covers the excess you are liable to pay if your rental car is lost, stolen or damaged.

Any additional cover?

As well as a comprehensive range of key benefits, InsureandGo Backpackers Travel Insurance also offers additional cover including:

  • High-risk activities. Optional cover for high-risk activities including skydiving, mountain biking, paragliding, rock climbing, Segway tours, cascading and triathlons.
  • Valuable items. Optional higher benefit levels for valuables such as tablets, laptops, phones, cameras and camping gear.
  • Ski insurance. Optional winter sports cover including big-foot skiing, luging, cat skiing, mono skiing, cross-country skiing, off-piste skiing, glacier skiing, recreational ski racing, heli-skiing, non-competitive ice hockey, snowmobiling and tobogganing.
  • Choice of excess. A choice of multiple excess levels to reduce the cost of your premium even further.

What isn’t covered?

General exclusions where claims will not be paid under an InsureandGo Backpackers Travel Insurance policy include:

  • Having prior knowledge of something that could lead to a claim
  • Any claim related to an undisclosed pre-existing medical condition
  • Travelling against the advice of a medical practitioner
  • Travelling to receive medical treatment abroad
  • Committing or attempting to commit suicide
  • Deliberately injuring yourself or putting yourself in danger
  • Using or consuming alcohol or non-prescribed drugs
  • Any claim arising out of war, revolution or military coup
  • Any claim arising from civil riots, strikes or planned industrial action
  • Travelling against government warnings
  • Claims arising from nuclear explosion or radioactive contamination
  • Claims arising from the dispersal, application or release of pathogenic or poisonous biological or chemical materials
  • Using a two-wheeled or three-wheeled motor vehicle without a crash helmet or appropriate driver's licence
  • Any consequential losses such as loss of enjoyment
  • Being involved in any deliberate, malicious, reckless, illegal or criminal act
  • Taking part in manual labour, missionary work or humanitarian work
  • Racing other than on foot
  • Taking part in an excluded sport or activity
  • Participating in any professional sports
  • Any costs that you would have been expected to pay had the reason for the claim not occurred
  • Any costs relating to return travel to Australia if you do not have an original return ticket
  • Failing to get the inoculations or vaccinations you need to travel
  • Failing to follow the insurer’s advice or instructions
  • Any claim arising from government seizure, withholding, destruction or prohibition
  • The financial default of a carrier, travel provider, accommodation provider or tour operator
  • Knowingly making travel arrangements through an unlicensed travel agent
  • Any claim arising from your tour being cancelled due to insufficient numbers
  • Any claim arising from errors or omissions in your booking arrangements
  • Any claim arising from travel in Afghanistan, Chad, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, North Korea, Pakistan, Palestine, Somalia, Sudan, Syria, Uganda, Yemen or Zimbabwe
  • Any claim made by you if you are a member of a terrorist organisation, a narcotics trafficker or a purveyor of nuclear, chemical or biological weapons.

How do I claim?

To make a claim on an InsureandGo Backpackers Travel Insurance policy, the following steps need to be followed:

  1. For emergency claims, contact the InsureandGo 24/7 emergency assistance provider MAPFRE ASSISTANCE on +61 2 9333 3999 (reverse charges from anywhere in the world).
  1. For minor claims, contact InsureandGo within 30 days of returning from your trip on 02 9333 3901, or email, or download a claim form at
  2. Complete the claim form and return it along with your policy schedule and all required documentation such as invoices, receipts and police reports (all in English).

Your claim will then be assessed by InsureandGo as quickly as possible and you will be notified of the result.


Question: Does my policy cover mountain rescue?

  • Answer: Yes, if you have selected the winter sports option and the rescue is for a medically necessary emergency reason (not search and rescue).

Question: Do you cover pregnancy and childbirth?

  • Answer: No cover is provided for normal pregnancy and childbirth, only for complications of pregnancy and childbirth.

Question: What is the age limit for cover under Backpackers Travel Insurance?

  • Answer: You must be 64 years of age or under at the date of application. A surcharge applies to the premium for persons over 50 years of age.

Question: Who is eligible to apply for Backpackers Travel Insurance?

  • Answer: You must be a citizen or permanent resident of Australia or a non-permanent resident with valid Medicare, private health fund or overseas student insurance.

Question: What is the maximum item limit for the increased luggage upgrade?

  • Answer: $2,000 for laptops, tablets, cameras, video cameras and mobile phones on Silver level cover and $4,000 on Gold.

Question: Am I covered by this policy while travelling in Australia?

  • Answer: No cover is available for domestic travel unless you are travelling on a domestic cruise in Australian territorial waters.

Question: Can I cancel my trip before departure?

  • Answer: Yes, provided it is for a specified reason and not because of a pre-existing medical condition.

Question: What are the conditions relating to home visits?

  • Answer: This policy entitles you to one return visit home before your intended return date. It cannot be for more than 14 days. Cover is suspended while you are home and starts again when you resume your trip. The cost of your flights home and back overseas will be at your own expense.

Question: How much does InsureandGo Backpackers Travel Insurance cost?

  • Answer: The cost of your premium will depend on a number of factors including your age, your destination, the level of cover you select and the options you include.

Question: Can I cancel my policy if I change my mind?

  • Answer: Yes, you can cancel your policy and receive a full refund of your premium within the 14-day cooling-off period if you have not made a claim.

Question: What is my Duty of Disclosure?

  • Answer: It is your duty under law to tell us anything you know or that a reasonable person would be expected to know that could affect the terms and conditions of your policy.

Question: What are some of the sports and activities that are excluded under Backpackers Travel Insurance?

  • Answer: Excluded sports and activities include boating in international waters, mountaineering, boxing, parachuting, potholing, running with the bulls, shark diving, gorge walking, high diving, horse jumping, hunting, micro lighting and mountain biking.

Apply for InsureandGo Backpacker cover

InsureandGo Backpackers Travel Insurance offers cover every backpacker should have. As this guide shows, it provides comprehensive protection, along with additional cover for the kinds of activities the young and adventurous are likely to get into overseas.

Get a quote for InsureandGo Backpackers Travel Insurance

Richard Laycock

Richard is the Insurance Editor at finder, and has been wrangling insurance Product Disclosure Statements for the last 4 years. When he’s not helping Aussies make sense of the fine print, he can be found testing the quality of Aperol Spritzes in his new found home of New York. Richard studied Journalism at Macquarie University and The Missouri School of Journalism, and has a Tier 1 certification in General Advice for Life Insurance. He has also been published in CSO Australia and Dynamic Business.

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