Travel Alert: Cover is excluded for COVID-19 or countries with "Do Not Travel" or "Reconsider Your Need To Travel" overall advice levels.

Backpacker Travel Insurance

Sightseeing and jet-setting on a budget? Purchase Backpackers Travel Insurance to cover you for your holiday!

Backpackers Travel Insurance 

There's no limit to where you can go when you can carry everything you need in your backpack, just don't forget to pack backpackers travel insurance!

Thousands of travellers get bitten by the travel bug each year, setting off with nothing but a backpack to explore all the world has to offer.

From the cultural chaos of Southeast Asia, to the countless cuisines and castles of Europe, and the natural wonders of South America, backpacking overseas can be a life-changing experience full of new friends, great food and endless adventures.

Who should get backpacker travel insurance?

Our backpackers travel insurance is simple and flexible and can provide cover for even the most adventurous travellers!

Whether you’re travelling the world for 12 months on a Gap Year holiday, hopping on a plane with no set return date, or planning multiple short trips overseas, Fast Cover can provide a policy to suit any traveller type and budget.

Backpacker travel insurance is ideal for:

  • Working holiday-makers on the IEC Working Holiday Visa Program
  • Students or recent graduates taking a gap year break
  • Backpackers hopping between different countries or continents
  • Volunteers spending most of their trip in one destination
  • Flashpackers travelling with expensive gadgets and gizmos
  • Digital nomads working their way around the world
  • Mature age backpackers ready to make the most of retirement
  • Travellers setting off on long-distance treks like the Camino de Santiago

Why get backpacker travel insurance?

Travel insurance is an essential pre-travel purchase, no matter how tight your backpacking budget may be!

Not only does it provide you with access to a 24 hour Emergency Assistance team from anywhere in the world, but it can also cover unexpected expenses in a wide variety of situations.

This could be anything from winding up hospitalised with a bad case of Delhi Belly after eating dodgy street food, to having your brand new GoPro stolen, or even getting stranded at the airport due to a weather event like a volcanic ash cloud in Bali.

What type of backpacker travel insurance do I need?

Fast Cover offers two different types of travel insurance to suit backpackers, depending on the type and length of your trip:


1) Single Trip Travel Insurance

A single trip travel insurance policy can provide cover for one journey up to 12 months initially, with the option of extending the policy up to a maximum of 24 months if you're having too much fun and decide you want to keep travelling!


2) Frequent Traveller Saver Insurance

Our Frequent Traveller Saver policy is ideal for backpackers who want to take lots of shorter trips in and out of Australia.

With this multi-trip cover, you can travel an unlimited number of times within a 12 month period, provided your longest trip doesn't exceed 63 days.

No need to purchase a new policy or notify us when or where you're headed each time you travel. Simply select the region and duration of your longest trip, pay one premium, and you're good to go for the year!

Compare the benefits in the tables below to decide which type of policy is right for your travel needs.

Medical Benefits

Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Overseas 24/7 Emergency Medical Assistance^


Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains home (per person)

$15,000 $15,000 $15,000 $15,000 $15,000

Overseas Emergency Medical & Hospital Expenses^

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Emergency Dental

$500 ––– $750 $1,000 $1,000 $1,000

Overseas Emergency Evacuation & Repatriation

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Hospital Cash Payment^


––– ––– ––– $5,000 $5,000 $5,000

Daily Limit (per person)

$50 $50 $50

Accidental Death

Travellers Aged 80 to 89:
––– $25,000
––– $25,000

Death of a Dependant (per Dependant)

$5,000 $5,000 $5,000 $5,000

Permanent Disability^

Travellers Aged 80 to 89:
––– ––– ––– $50,000

Permanent Disability of a Dependant (per Dependant)

$5,000 $5,000 $5,000 $5,000

Loss of Income^


––– ––– ––– $10,400 $10,400 $10,400

Weekly Limit (per person) - up to 26 weeks

$400 $400 $400

Financial Benefits

Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Trip Cancellation Expenses


––– Unlimited $25,000 Unlimited Unlimited Unlimited

Travel Agents Cancellation Fees

$1,500 $1,500 $1,500 $1,500 $1,500

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $2,000 $2,000

Personal Liability

$1,000,000 $5,000,000 $2,500,000 $5,000,000 $5,000,000 $5,000,000

Trip Disruption Expenses


––– $50,000 $30,000 $50,000 $50,000 $50,000

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $2,000 $2,000

Trip Resumption Expenses

$3,000 $2,000 $3,000 $3,000 $3,000

Luggage & Personal Effects


Optional $7,500 $5,000 $15,000 $15,000 $15,000

Personal computers,video recorders or cameras (per item)

$3,000 $3,000 $3,000 $3,000 $3,000 $3,000

Mobile phones and tablets (per item)

$1,000 $1,000 $1,000 $1,000 $1,000 $1,000

All other unspecified items (per item)

$750 $750 $750 $750 $750 $750

Luggage and Personal Effects stolen from a Locked Storage Compartment of an unoccupied vehicle during daylight hours

$2,000 $2,000 $2,000 $2,000 $2,000 $2,000

Passports, Credit Cards & Credit Card Fraud^

––– ––– $2,000 $5,000 $5,000 $5,000

Special Event Transport Expenses

––– $5,000 ––– $5,000 $5,000 $5,000

Rental Vehicle Excess


––– $5,000 Optional Optional Optional Optional

Return of Rental Vehicle

$500 $500 $500 $500 $500

Travel Delay Expenses


––– $2,000 ––– $2,000 $2,000 $2,000

Daily Limit (per person)

(we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay)

$200 $200 $200 $200

Delay of Luggage and Personal Effects^

––– ––– ––– $750 $750 $750

Theft of Cash^

––– ––– ––– $250 $250 $250

Snow Sports Benefits

Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Snow Sport Equipment

––– $1,500 ––– ––– $1,500 –––

Snow Equipment Replacement Hire

––– $1,500 ––– ––– $1,500 –––

Snow Prepaid Expenses

––– $750 ––– ––– $750 –––

Snow Resort Closure


––– $1,000 ––– ––– $1,000 –––

Daily Limit (per person)

$100 $100

Please note: This is only a summary of benefits. Exclusions and sub-limits apply to each cover type. Benefit limits shown are for Single and Duo (per person) policies. Pooled Benefits mean that Family policy benefit limits apply for the whole family and are double the corresponding benefit limit under a Single policy, except for certain benefits - please refer to the Product Disclosure Statement for full details. ^Cover under these Benefits are excluded while travelling within Australia.

What type of activities are you covered for?

Fast Cover travel insurance policies automatically cover a huge range of activities including scuba diving, riding motorcycles and mopeds, trekking up to 3,000 metres and even shark cage diving!

If you're an adrenaline junkie, you can also add on the Adventure Pack to cover extra activities like abseiling, outdoor rock climbing, quad biking and skydiving.

If you're planning to hire a car or campervan on your backpacking adventure you can also choose to add on Rental Vehicle Excess Insurance, and if you’re keen to hit the ski slopes during your travels we've got cover for that too with our Snow Sports Plus policy!

Our policies are super flexible so that you can tailor the cover to suit your needs without blowing your travel budget.

Why choose Fast Cover travel insurance for your backpacking trip?

Fast Cover provides specialist travel insurance for backpackers heading to every corner of the globe.

We've made buying travel insurance as fast and simple as possible. There's no boring medical assessments as we automatically cover a set list of 43 Pre-Existing Medical Conditions, and no need to list every single country you're travelling to. Just select the highest region you'll need and you're automatically covered for all the lower ones as well.

For example, if you're travelling to Europe but thinking about stopping over in Thailand or Bali on the way back, choose the Europe region and you'll also be covered for the Asia, Pacific, New Zealand and Domestic regions as well.

You can head off on your backpacking adventure with full confidence knowing our Emergency Assistance team is available 24 hours a day, 7 days a week, 365 days a year.

14 day cooling off

Buy with confidence! Get a full refund if you cancel for any reason within 14 days from when you buy your policy and you haven't travelled.

48 hour price

The price on your quote is 'Locked In' for 48 hours.

24-7 assistance

Wherever you're travelling and whenever you need us, our 24/7 worldwide expert assistance team are ready and waiting to help.

immediate cover

Buy today and your cover starts today for the money you've spent on hotels, flights or tours in the event of unexpected sickness, injury, family emergencies or natural disasters.

Example Incidents~

Monica's Medical Mishap

Monica was backpacking around Europe with her partner when she slipped over on wet cobblestones outside her hotel in Germany. Monica attended a local hospital where x-rays revealed she had sustained a nasty fracture in the fall. Fortunately, she was able to claim back her $1,500 AUD hospital bill with her Fast Cover travel insurance so she could continue with her journey.


Allen's Andes Anguish

57-year-old Allen from Melbourne was over halfway through his bucket list hike with a group in South America when he began experiencing high-altitude sickness. The Fast Cover emergency assistance team arranged Allen's medical evacuation to hospital for treatment as well as transport back to Australia when he had recovered enough to travel home. Allen's hiking tour may have been cut short, but his travel insurance policy covered his medical and hospital expenses which totalled over $23,000 AUD.

Traveller Testimonials

Fast, easy and great service.

I took out a policy in October for a trip to Italy and the process couldn't have been easier. I spoke to the guys on the phone and asked them a few questions and they were very knowledgeable and professional. The site was easy to use and I managed to get a policy within a couple mins online.

Francis –


Easy, great rates and excellent service.

Used Fast Cover many times and very good value for money. Very easy to get a quote and policy online and excellent customer service. Have had to claim twice without any hassles.

Alitas –


Amazing experience!

Fast Cover was recommended to me by a friend about one day prior to the commencement of my trip to Bali this year. I am so grateful I took her advice and took out a policy with Fast Cover. The second day of my trip to Bali my bag was stolen. I managed to submit my claim online using the online claim form. It was simple, fast and easy and I was able to continue to enjoy my two week trip knowing my claim was being processed. I was given regular updates on the progress of my claim and received payment within 10 days. I am so happy and was able to replace my phone hassle-free and didn't feel out of pocket from my experience. So happy with the service!

Emilie –


~Traveller details have been changed to protect their privacy. Claims examples are from Fast Cover travel insurance customers from 1 July 2013 to 30 June 2016.
↟Based on 365 day Basics policy to New Zealand region for a single traveller 50 years old or younger with $200 excess.

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Things you need to know

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply. For travellers aged 80 and over, additional terms and conditions, limits and excesses apply.