Get a Backpacker Travel Insurance Quote Now!

Taking the leap to backpack your way around the globe is an exciting and liberating experience. The new experiences and perspectives you gain on the world will be invaluable, but it is also important to ensure you have appropriate travel insurance to cover you on your travels.

You never know what issues you could run into on your epic adventure, which is why it is definitely worthwhile to have a cheap travel insurance option on hand that you can afford.

In a recent poll on, 4 out of 5 backpackers said that they take out travel insurance when they travel. With the rather wide and baffling variety of insurance policies out there though, it can sometimes be hard to pick the one that's going to give you the best deal.

Every insurance company seems to offer something different, and every insurance company seems to take a different approach.

Knowing that you guys are out there, saving hard, trying to make each hard-earned cent go just that little bit further, we've focussed on developing a cheap travel insurance product that is specifically geared towards the independent traveller – an insurance policy that can offer you more bang for your buck, without skimping on the basics.

Insure4less’ essentials policy is the travel insurance product you could be looking for. Aimed at Aussies travelling overseas, the Insure4less essentials travel insurance policy offers discounted online prices and a wide range of protection to cover just about every kind of backpacker.

Why you Need Backpacker Travel Insurance

Travel Insurance should not be considered an unnecessary extra cost, because it can be a vital thing to have if you get stuck while on your backpacking adventure. It is wishful thinking, especially for a backpacker, if you believe that everything you have organised for your travels will go to plan.

If an emergency arises, especially when you are in an unfamiliar country, the financial assistance and protection that travel insurance provides is incomparable.

There are many benefits that being covered by backpacker travel Insurance can provide:

  • Length of Cover: At Insure4less, a range of flexible policies are available that can cover both short and long trips. One-way options are also provided if you don’t yet have a return date. When choosing to travel on a backpacking adventure, we know you won’t always know the length of your holiday or when you’ll be returning home.

    If your trip was impulsive and you did not to take out cover before you left, or if you have decided to extend your travels for a longer period of time, then you will have the ability to organise and amend your policy from wherever you are. This service will also be provided at no extra cost to you.
  • Quick and Easy Claim Process: Don’t expect less than a super quick and simple claim process. You will receive just that when you purchase backpacker travel insurance. A claim can be submitted at any time, 24 hours a day and 7 days a week. Valid and fully documented claims will also usually be paid within 10 business days, directly to your bank account. Get that money you need quickly to rest easy for the rest of your travels.
  • Get Covered Instantly: If you are leaving for your holiday today and forgot to book travel insurance, don’t fret! You can purchase travel insurance on the same day you start your travels and you will be fully covered. Quality and cheap travel insurance can still be arranged at last minute, no hassle and you will receive an email from us with full confirmation details and information that you will need instantly.
  • Travel to Multiple Destinations: Whether you are travelling to one location or many, we have you covered. Every country and continent is included for our travel insurance to give you the protection you need. 

What Makes Insure4less so Special?

At Insure4less, we’re dedicated to helping you enjoy a holiday free from stress when you purchase a backpacker travel insurance policy. Here’s what you get with Insure4less:

  • Always close to the heart of a backpacker: It's cheap travel insurance. Special online rates and a wide variety of options mean that you can find the best deal to suit your particular budget.
  • We're accessible: a 24/7 medical emergency helpline, provided by one of the world's leading travel insurance assistance companies, means you're always close to help, whenever you need it.
  • We cater for working holidays: If you plan on working overseas, insure4less will provide automatic coverage of non-manual, non-hazardous work (like bar work, nursing, fruit picking, an office job etc)
  • We cover most adventure activities: sports enthusiasts will be happy to know that there's free cover of cool amateur sports and activities you’re ever likely to do, like bungee jumping, scuba diving and even tandem skydiving – the kind of spontaneous leaps we often take when travelling.
  • We include cover for terrorist acts: terrorism knows no boundaries, and attacks can happen at any time, with innocent bystanders getting caught in the fray. In a situation like that, far away from home, it's essential to have backup, and with insure4less you'll have full medical cover in the event of such an attack.
  • No return ticket: We also provide travel insurance cover for individuals who do not have a return ticket back into Australia. This is an option that is not often provided by other travel insurers, making the policy we provide perfect for backpackers who often have spontaneous travel plans and do not book return tickets home.
  • Money back guarantee: We also offer a 14 day money back guarantee because we are so confident our policies will be right for you.
  • Don't forget group cover: If you need group travel insurance to book for your backpacking trip, at insure4less we can provide cover for up to 25 adults and 25 children in one policy.

All of these benefits, combined with our discounted online prices, proves that Insure4less backpacking travel insurance has the features and cover you need for your next backpacking holiday.

Backpacker Travel Tips

There are many travel tips that every backpacker should take on board to ensure a safe and enjoyable holiday. You can depend on backpacker travel insurance to protect you if the unexpected occurs.

Once you have your insurance covered, there are a number of other things you should consider while you’re travelling to protect yourself. Here are a few tips and pieces of advice to assist on your travels:

Make sure vaccinations are at the top of your list prior to travel

Depending on the destination you intend on travelling to, there could be a variety of different vaccinations you will need to ensure you don’t return home form your holiday with a nasty illness. Your Doctor may also prescribe other medications to take on your travels, so make sure you provide your doctor with details on the destinations you will be travelling to.

Ensure you have a backup of all of your important information

Make copies of your travel insurance policy, passport and other travel documents. It is also a great idea to print those copies out and keep them on you while you’re travelling. Why not save a copy of your passport and other important documents in your Google Drive? It's free and offers you a lifeline if something goes missing, is stolen or gets damaged, and will make discussions with an embassy so much easier to resolve.

An international travel money card is also a worthwhile option to look into

It is a popular option and a great alternative to carrying large quantities of cash and traveller’s cheques. It is also a great safeguard in comparison to using your credit card as you specify the amount of money you wish to put on the card for your travels. You should also visit a currency exchange centre to obtain some local currency before you arrive at every location, in case of unexpected expenses you may face once you arrive at your destination.

Take measures to protect your valuables while on holiday

Ensure you have locks on your bags to ward off prying hands. It is also advisable to leave your valuables in a secure safe wherever possible.

Don't Delay!

So don't delay.  Get a backpacker travel insurance quote now.  You've got nothing to lose and a lot to gain!

Quick Quote




Destination & Type of Cover Complete!

What type of cover are you looking for?

Single trip: Covers trips of up to a total of 365 days in total inc one way travel. Cover for snow sports activities can be included.

Annual multi trip: Covers you for an unlimited number of trips over a 12 month period up to a maximum duration of 31, 45, 62 or 93 days per trip after which you must return to Australia before commencing a new trip. Trips wholly within Australia are insured if they include at least one overnight stay and a minimum distance of 250kms from your place of residence. Each policy includes up to 23 days snow sports cover (on piste). If you are travelling over 93 days, please select a standard, single trip travel insurance quote.

Policy Type

Where are you travelling to?

Please select the region where you are travelling to: The countries covered under each region will appear when you select the region.

Travelling To

How many people should be covered?

Please select whether you are travelling as an individual, with your partner / friend (couple) ; as a family group where one of the children is under 18 years; as a group.


Maximum Trip Length

Travel Dates Complete!

I'd like my cover to start on

Please select the day that you commence your trip. You will be covered for claims that result in you having to cancel your trip before this date and therefore forfeit deposits paid - subject to the policy terms and conditions.

Cover Start Date

Cover Start Date

And it should end on

Please select the date that you plan to return back into Australia or if you are on a one way trip - the date that you will arrive in your final destination.

Cover End Date

Travellers planning to stay in the United States (not Canada) for 365 days or more: Following recent healthcare reforms in the United States we are unable to insure travellers who are planning to be in the United States (not Canada) for 365 days or more.

Cover End Date


Will you be travelling to countries outside of the USA & Canada?

If you plan to visit the USA or Canada more than once during your trip, please calculate the total number of days you will be there. Then enter the date leaving USA or Canada as the total number of days from the date arriving.

For example: You will be in the US from 1st March to 31st March (31 days) and 10th October to 26th October (17 days) = 48 days in total. So you would have a start date of 1st March and an end date of 17th April. Ie 48 days. You will receive your certificate in an email, so simply reply to the email advising the correct dates of travel within USA or Canada and we will endorse the policy accordingly.

Following healthcare reforms in the US we cannot insure travellers who are planning to stay in the USA (not Canada) for 365 days or more.

Date arriving in USA/Canada

Date leaving USA/Canada

Travellers Complete!

In order to obtain the best value, you should include a least one adult in each policy. The maximum number of travellers we can insure under one quote/policy is 50. If you have more than 50 then you should obtain more than one quote but ensuring that there is an adult in each subsequent quote.

Please note that ages are at the date of obtaining the quote, not the date of travel.

Traveller's Age

We can insure travellers up to and including 70 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.


We can insure travellers up to and including {maxAge} years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Traveller's Age

We can insure travellers up to and including 70 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 21 to 35 years

Adults 36 to 50 years

Adults 51 to 55 years

How many people should be covered?

We can insure travellers up to and including 90 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 56 to 60 years

How many people should be covered?

We can insure travellers up to and including 90 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 61 to 65 years

Adults 66 to 70 years

Children under 21 in a family

Other children under 21 years

For more info see our FAQs and Product Disclosure Statement.