Travel Insurance Independent travellers

Our Backpacker Travel Insurance can cover 2 years continual travel, including working and volunteering as well as medical, cancellation and baggage cover.

From bungee jumping and skydiving to weddings, cruises, golf, independent traveller cover, excess waivers and even business insurance. We have you covered.

Experts Top Tip: Independent Traveller is useful if you are planning your own trip or part of it, since you may not be covered under travel industry protection schemes for insolvencies (bankruptcy) and cancellations.

1. Extended Cancellation and Curtailment

You are advised to claim for your when your booked accommodation becomes unreachable and unusable due to a travel ban or evacuation recommendation issued by one of the following bodies:

• Travel Advice Unit of the Foreign & Commonwealth Office (FCO)
• World Health Organisation (WHO)
• An office/organisation of similar authority

2. Extended Delayed Departure

Not only will we pay you for the first 12 hours of delay, but also every concurrent 12 hour period up to the indicated in the list above as long as you do eventually continue on your planned trip.

If you are unable to continue on your trip and have paid or are contracted to pay for your public transport and accommodation, you can claim for benefits. Before you claim, be sure that:

• Your public transport from home is cancelled or delayed for more than 12 hours
• You are denied boarding due to overbooking and there are no alternatives within 12 hours
• Air space closures as a direct result of a volcanic eruptions

You also can claim when you have to make alternative travel arrangements because the public transport provider failed to offer reasonable alternatives after:

• Your public transport is cancelled/delayed for 12 hours, or redirected/diverted after you take off
• You are not allowed to board and there are no alternative flights within a 12 hour period
• Volcanic eruptions cause an air space closure

Experts Top Tip: When securing a quote, please note that the Independent Traveller add-on is not available on our Standard cover level.