Backpacker insurance: Our product Range

The world is an amazing, exciting and beautiful place, and we want to help you to make the most of it. Our Backpacker Travel Insurance has been created by people who love to travel, helping us to develop a product that allows you to embrace the exciting opportunities exploring the world will offer you.


We know that travel means different things to different people and that different countries offer different opportunities and challenges. Whether you’re planning on travelling the world on a tight budget, planning on venturing off the beaten track a little further, or you’re an all-out adrenaline seeker, ERGO Backpacker Insurance includes three different levels of cover depending on your travel style.


Choose your backpacking policy

Element Protect Optimum

Medical Expenses

Including hospitalisation, surgical, pharmaceutical, rehabilitation, and dental

Up to £7.5 million

Up to £10 million

Up to £15 million


Reimbursement for losses incurred by third-party cancellation of travel and or accommodation

Up to £1,500

Up to £3,000

Up to £5,000

Personal Possessions

Reimbursement for loss or damages caused by third parties

Up to £750

Up to £1,500

Up to £2,500

Personal Accident

Reimbursement for personal accident or damages caused during your trip

Up to £10,000

Up to £20,000

Up to £30,000

Worry-free travelling for every backpacker

There are always going to be a few special opportunities on your travels that you won’t want to miss out on. Knowing this, we’ve included over 40 different adventurous activities in your policy cover. With cover for activities like surfing, trekking (under 2500m), snorkelling and many more – all you have to do is decide what you want to do and where you want to do it.


Cover for activities like surfing, trekking (under 2500m), snorkelling and many more – all you have to do is decide what you want to do and when.


Cover for multiple activities

Look at our activities list to see exactly what sports and activities are covered, and if it’s not on the list just get in touch with us to see what we can do.

Another big part of backpacking is finding ways to keep yourself on the road, so we also covers you if you are planning to earn a little extra money whilst your away, working in a bar or restaurant. That’s another reason why we cover periods of up to 18 months!


Gadget cover for tech hungry travellers

Backpacking today is a little different to 10 or 20 years ago, with almost every hostel and café offering free WiFi for technology hungry travellers to update blogs, upload pictures and skype friends and family. Travelling with your smartphone, Tablet and digital SLR camera is crucial. We offer an optional choice on all policies to upgrade and cover your gadgets each worth up to £750.



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Great cover at a great price

I needed travel insurance quickly, it was so easy to get with great cover & just the best price out there. Would have no hesitation in recommending them

ERGO Customer - August 2021