What can Backpacker Insurance do for you?
Cover included for medical treatment at a suitable hospital and an Emergency Assistance Facilities service provided to help you locate the nearest and most suitable facility. Up to £1 million is available to cover medical treatment and associated expenses, however, please note an excess may apply to this section of cover unless you have an EHIC (European Health Insurance Card), Medicare in Australia or other mutual agreement between countries that enables a reduction in medical costs. The backpacker insurance policy doesn't cover routine non-emergency tests or treatment.
If you’re planning on any activities or a gap year trip whilst you’re away such as fruit or vegetable picking or catamaran sailing, we can provide cover as standard. However, if you’re feeling a little more adventurous and fancy cave diving or even shark diving, you can add this to your travel insurance at an additional cost. If you’re unsure which activities we cover or you can’t see your chosen activity, just give our travel team a call to see if we can cover it.
The Personal Accident insurance section of the Backpacker’s policy provides compensation in the event of bodily injury, disability or death caused by accidental or violent events. Please ensure you let us know of any hazardous activities you’ll be attempting during your travels as, we cannot cover personal accidents which occur during activities not usually included on your policy, unless you have let us know to add them on. Full details of included activities can be found in our policy wording below.
It might be unlikely but just in case, the policy provides personal protection for accidental bodily injury and property damage whereby you’re held legally responsible for the incident, up to £1 million. So if a situation does arise, you won't be out of pocket. Please be aware this cover will not apply in relation to the use of any motorised vehicle.
These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents
This policy is administered by Travel Insurance Facilities (TIF) and Union Reiseversicherung AG (URV). TIF have a specialist travel claims team, and it's them you'll speak to if you need to make a claim.
They’ll talk you through the details of your claim and advise you of the next steps in the process. If you’re claiming for any stolen property, make sure you have reported your loss to the Police and have obtained a written report and reference number - this will help with your claim.
We would also recommend you share your policy details with your next of kin, just in case they need to act on your behalf should you fall ill and you’re unable to make any contact with our claims team.
Get the ball rolling, call on:
The team are available from 9am-5pm Monday to Friday.
Make sure you include; your policy number, a phone number to reach you on, details of your claim and photos where possible and relevant.
Read more from Towergate:
What is glamping? Our infographic guide to glamorous camping will help you discover camping from a whole new perspective.
Tucked away up in Scotland between Edinburgh and Glasgow and named after the nearby town of Falkirk, stands a one of a kind feat of engineering. Read up on the what, where’s and how’s and why it’s a must-see destination.
The America’s Cup is one of the most prestigious boat races in the world. These days it attracts household names (like Sir Ben Ainslie) to compete and hundreds of thousands of pounds are invested in making the boats more and more advanced every year. Here are twelve things you need to know about the America’s Cup.
We aren't able to cover for any countries that the Foreign and Commonwealth Office advises against. You can check whether the country that you’re travelling to is listed the government website on the Foreign Travel Advice page.
In a serious emergency, first call the local ambulance service. You will then need to contact the Emergency Assistance Facility service which is open 24 hours per day, seven days per week who will advise you what you need to do. We’d recommend you store the telephone number in your phone, just in case. It’s +44 (0) 203 829 6745.
Don’t worry, providing you have contacted our Emergency Assistance Facility then your policy will be automatically extended to cover you for medical expenses until it’s agreed you’re fit to travel home. Our Emergency Assistance Facility Helpline service will liaise with you, and your treating doctor, and once you’re fit to travel they will make the appropriate alternative arrangements. Cover applies only if you or your family travelling with you become ill. If you are unsure whether you'll be covered by the policy to travel home, just contact the travel team.
We’ll provide cover if you fall unwell and treatment isn't available locally however, first you should call our Emergency Assistance Facility service for advice.
Backpackers insurance, also known as gap year travel insurance due to its popularity amongst pre/post university students, provides covers for individuals going on longer trips, who are likely to undertake a range of different excursions.
By signing up to Towergate’s newsletter you are agreeing to receive quarterly email communications containing a range of news, top-tips, competitions and occasional offers for insurance products and/or services. Our newsletters are designed to keep you up to date with what we’re involved in, as well as other advice and content that we think you might find interesting.
Should you wish to unsubscribe please click here, or email with your details so we can carry out your request.