Outbacker Insurance

What to know about shopping at Outbacker Insurance

Outbacker Insurance is a UK travel insurance specialist built specifically for backpackers, gap-year travellers, and long-term travellers heading on extended trips around the world. Their policies cover over 100 adventure sports and activities as standard — including trekking, bungee jumping, white-water rafting, and scuba diving — without the activity-specific add-on charges that standard travel insurers apply. The average policy price is competitive for the level of coverage included, particularly for trips spanning multiple continents.

Discount codes typically offer 5–10% off, and the best time to buy is at the point of booking your trip — securing a policy months in advance often locks in a lower premium than purchasing close to departure, and it protects your trip investment from the moment of purchase. Policies can be structured for one-way travel and trips with no fixed return date, which is a key practical advantage for travellers who don't know exactly when they'll be coming home.

Pre-existing medical condition cover is a standout feature that many backpacker insurers handle poorly — Outbacker provides clearer declaration processes and broader condition coverage than most standard alternatives. For travellers with any existing medical history, it is worth comparing their declaration requirements and cover limits carefully before purchasing. The 24-hour emergency helpline is a critical service for solo travellers in remote destinations.

For the best value, compare the annual multi-trip versus single extended trip policy for your specific journey duration. Backpacker policies covering one to two years of continuous travel work out at a significantly lower daily cost than renewing short-trip policies multiple times. Always check the maximum trip duration per policy and whether working abroad (fruit picking, hostel work) is covered if you plan to supplement your budget with casual work during the trip.

— MoneySaverCodes Team