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Backpacking Insurance

What You Should Know!

  • Published on

Backpacking Insurance can be really daunting, but it shouldn’t be. So in this blog we will break it down nice and simply for you and attempt to prevent you from falling asleep whilst reading.

backpacking insurance

Backpacking Insurance

Backpacking is an amazing experience and if you ask anyone who has been I am sure they will tell you exactly the same. When you return you will be fully armed with tales of adventurous treks, going into the unknown, meeting new people everyday and hopefully no horrible hospital experiences. But unfortunately, in reality, people do fall ill or end up visiting a hospital in a foreign country. This is where we come in.

Cover Levels

ERV’s Backpacking Insurance provides cover for those looking to travel long term and therefore our maximum duration (or length of travel) is up to 550 days. So you can see the world and make the most out of what it has to offer for up to 18 months without having to return home. I mean who wants to do that? So what will I actually be covered for…? Here is a list of what we can provide cover for:

  • Emergency Medical & Repatriation Expenses
  • Hospital Confinement Benefit
  • Emergency Dental Treatment
  • Funeral Expenses Abroad
  • Personal Accident
  • Death
  • Disablement
  • Cancellation
  • Curtailment
  • Personal Effects/Possessions
  • Valuables, Personal Money, Cash and Replacement Documents
  • Personal Liability.

Our policies also offer worldwide coverage, so no matter where you are we can provide the essential support you need.

ERGO Travel Insurance

What Else Am I Insured For?

We have three Backpacker Insurance products:

What is the difference between them you say? Well, these three levels of cover outline what type of backpacking journey you are wanting to take. Traveller is our basic level of activities cover, with Adventurer offering an increased number and Pioneer offers our biggest range. So depending on what you think you will be getting up to we may have a policy to suit. As a Traveller policy holder you will be covered for activities such as; Archery, Badminton, Baseball, Basketball and other standard holiday activities. Leaving you free from worry as you raise your arm to hit than winning smash. As an Adventurer you will receive the same level of cover as a Traveller but with additional activities such as Kayaking, Bungee jumping (max of 3 jumps), Camel/ Elephant Riding/ Trekking and Jet skiing, just to name a few. These kinds of activities tend to be very popular and are associated with your traditional gap year backpacking. If your experience is likely to take your heart rate through the roof then you should consider our Pioneer product. This will insure you are covered for some of the most extreme activities, such as; Tandem Skydiving (2 jumps maximum)*, Rugby, Rock climbing and Scrambling*. Allowing you to come back with some of the most amazing memories, photos and Instagram photos ever!

We recommend seeing our policy wordings for a comprehensive list of the activities we cover, especially if you are not sure which level to purchase or have a particular activity that we haven’t mentioned in this blog. Alternatively, you can always get in touch via our contact us page or call us on 01403 788 510.

* Cover is only provided for these activities when wearing a recognised helmet designed for that activity (For Triathlon this applies to the bike stage only).



Andy Chapman

Andy Chapman

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I was very impressed by the level of service.

They beat the competition by a country mile! Super happy and will most certainly be buying insurance with them again.

ERGO Customer - December 2019