Today’s post is an Outbacker Insurance review. Our objective is to present all the information you need to help you make an informed decision about which insurance provider you should go with for your next trip.
Outbacker Insurance is a UK-based travel insurance company that stands out for its low prices, high coverage for medical expenses, and useful benefits suited to young travellers and backpackers.
I’ve also included some general information about their policies and guarantees, to help you reach a decision. So, let’s get into it!
First, I’ve outlined the average score of Outbacker Insurance on the world’s biggest review site in February 2024:
- Outbacker has an average rating of 4.3/5 on TrustPilot.
My opinion on Outbacker Insurance
A relaxing holiday or an exciting backpacking adventure can come to a screeching halt in a matter of seconds, so it’s always best to be prepared before you leave home.
For example, receiving emergency medical treatment abroad can cost thousands of pounds, so by taking the time to find a suitable insurance policy, you may protect yourself from a financial nightmare.
My own experience with Outbacker Insurance was positive. Although I feel as if they lack variety in the policies, I understand that their insurance is designed to meet the needs of young travellers and backpackers.
Outbacker provides up to £10,000,000 of cover for emergency medical expenses, as well as covering over 230 different sports and activities, making it a perfect option for the adventurous types out there.
Here are the best Outbacker Insurance policies for travellers in February 2024:
Adventure travel insurance: standard coverage includes 100+ sports and activities.
Backpacker insurance: cost-effective insurance for backpacking trips.
Student travel insurance: designed to meet the needs of students going abroad.
Working holiday insurance: perfect for gap years, volunteering, and working holidays.
Volunteer insurance: specifically for volunteering trips.
Outbacker Insurance Reviews
Browsing through online reviews allows you to see how other users rated a company’s services, giving you a clearer idea of how reputable and effective their products are.
This is particularly important when choosing travel insurance, as having a comprehensive insurance policy could save you thousands of pounds.
When taking out an insurance policy, you want to be sure that you’re placing your faith into a respectable provider. That’s why I’ve set out both positive and negative Outbacker Insurance reviews.
Outbacker Insurance Reviews on TrustPilot
TrustPilot is one of the most reputable online review platforms, where millions of customers share reviews on their experiences using products and services from around the world.
Trustpilot receives almost 1 million new reviews each month, and at the time of writing this post, there are just under 1,000 total Outbacker insurance reviews. So, let’s take deep-dive and see what people think!
✅ Positive Outbacker Insurance reviews on TrustPilot
- Expert and professional customer service representatives.
- Quick and easy application process.
- Policies are flexible and easy to renew while on the road.
- Affordable insurance directed at young travellers and backpackers.
❌ Negative Outbacker Insurance reviews on TrustPilot
- Lengthy claims process with slow response times.
- High cost of extending the policy.
- Rejected claims based on trivial technicalities.
✅ Positive Outbacker Insurance reviews on Facebook
- Helpful and friendly phone representatives.
- Some positive reviews of the efficiency of making claims.
❌ Negative Outbacker Insurance reviews on Facebook
- Poor communication from the company.
- Drawn out claims process.
Which Outbacker Insurance policy is right for me?
If you’re in the process of selecting a travel insurance plan for your next trip, remember to consider the possible risks involved with your trip, and any special requirements you or your companions may have.
This is particularly important for backpacking trips, as you never really know what opportunities may come your way!
Unfortunately, Outbacker does not provide any coverage for travellers with pre-existing medical conditions. However, if you’re looking for adventure, you’ve come to the right place!
Outbacker Backpacker insurance: ideal for backpacking trips, road trips, or inter-railing adventures.
Adventure insurance: ideal for the intrepid traveller, equipped with extensive medical coverage.
Student insurance: ideal for student exchange programmes.
Working holiday insurance: ideal for working holidays, workaways, and gap years.
Volunteer insurance: ideal for volunteering trips abroad.
If you suffer from some type of pre-existing medical condition, I recommend checking out medical travel insurance. It’s an insurance comparison site for people of a certain age or medical condition who may find it difficult to find traditional insurers who cover them.
How Outbacker Travel Insurance works
Finding the right travel insurance can be a bit of an ordeal, and might seem like the last thing you want to do before heading off on an exciting trip.
However, it’s crucial to remember that taking out insurance provides you with a financial safeguard if something goes wrong, and not only that, it gives you peace of mind while you’re travelling.
If you end up needing to return home to the UK earlier than expected, need emergency medical treatment, or have your valuables stolen while abroad, you can make a claim with Outbacker and receive reimbursement.
Of course, it’s vital that you read the terms and conditions of your policy carefully before contracting, so you know what is and isn’t covered. You will also need to keep all supporting documents related to the incident, to use to provide proof of your claim.
Making a claim with Outbacker Insurance
If something does go wrong on your trip, you’ll need to contact Outbacker as soon as possible, luckily, you can make use of their 24-hour, 365 day emergency assistance phone line.
If your inquiry is less urgent, like lost belongings, for example, you can contact Outbacker’s “General Claims” department. You will find the contact details on the Outbackers website under “Make a Claim”.
Claiming on insurance can be a tiresome ordeal, and you shouldn’t expect to have everything resolved and refunded the very next day.
Just remember to fill in your details in as much detail as possible when contracting, keep all supporting documents and proof, and you should be OK.
What are the benefits of Outbacker Insurance?
The main benefits that set Outbacker apart from their competitors are their extensive medical coverage, broad sports and activities coverage, and affordable prices. After all, Outbacker’s services are directed at the young and intrepid travellers.
Outbacker’s Backpacking policy was designed to help you face your overseas adventures without fear. I once made the mistake of disregarding sports coverage on a trip, and I ended up not being able to go mountain biking like the others in my group.
Needless to say, you don’t want to make the same mistake I made! Outbacker offers coverage for over 230 sports and activities. Here are just a handful:
- 🍌 Banana boating
- 🚵♂️ Downhill mountain biking
- 🏞 Bungee jumping
- 🛶 Canoeing
- ⛲️ Cascading
- 🐘 Elephant trekking
- 🏎 Go karting
- 🐎 Horse riding
- 🪁 Kite surfing
- 🦁 Safari
- 🐠 Scuba diving
- 🦈 Shark diving in a cage
- ⛷ Skiing/snowboarding
- 🏔 Trekking up to 5,000 m
- 🏖 Water-skiing
- 🏆 Ostrich riding(!)
Outbacker provides up to £10,000,000 for emergency medical expenses. Ultimately, this is a great deal when you consider Outbacker’s competitive prices. Always abide by the safety regulations, like using a helmet, for example, as this will affect your claim.
Furthermore, Outbacker guarantees broad Covid-19 coverage, including trip cancellation, trip curtailment, and medical coverage for the virus. It’s important to note that for a claim to be accepted, you must not travel against Government advice.
How to contract Outbacker Insurance
Taking out Outbacker Insurance is a straightforward process, as their website is easy to navigate, but to make it even easier for you, I’ve set it out in a step-by-step guide.
1️⃣ Go to the Outbacker Insurance website and click on “Instant Quote”.
2️⃣ Select the region you’re travelling to, the Winter Sports option if necessary, and fill in your travel dates, and how many travellers require insurance.
3️⃣ Choose your plan, from least to most coverage: Silver, Gold, and Platinum.
Note that the figures shown below are just to give an example. To fill in your own quote, head over to the Outbacker homepage!
4️⃣ Choose additional cover: gadget cover, additional sports cover, return trips to the UK, or working holiday benefits.
5️⃣ Fill in your personal details.
6️⃣ Enter your payment details, and that’s it, you’re ready to hit the road!
How to reduce the cost of your trip
If there’s one thing that backpackers are known for, it’s being able to embark on exciting adventures on a low budget. Indeed, it adds to the thrill of it all!
Of course, everyone wants to save money while abroad. So today, I’ll be sharing my top tips and tricks for saving money on your travels.
These travel hacks take a little effort on your part, but trust me, if you save a little here, and a little there, you might just be able to continue travelling!
There are countless ways to make your travels cheaper. Choosing insurance that is tailored to your needs is vital, but remember that flights and accommodation are a few of the other ways you can save money.
- Find cheaper flights
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- Find discounted accommodation
Finding cheap accommodation these days can be a challenge, but with Booking, you can find some great deals.
Booking is the best platform for finding accommodation anywhere in the world. Its main advantage? The many discounts you can get for becoming a Genius member! Register with Booking now to save on accommodation.
My opinion on other insurance companies
There are plenty of other reliable travel insurance options out there, so if you’re not totally convinced by Outbacker’s policies, not to worry!
We have tried and tested all the best travel insurance policies on the market and written comprehensive reviews on each of them.
Feel free to check out our travel insurance comparison article to compare the top policies to find the one that best suits the type of trip you’re taking.
FAQs about Outbacker Insurance
What are Outbacker Insurance’s means of payment?
Outbacker receives its payments by card.
Once you have arrived at the payment stage, you will be given the option of paying with either Visa, Visa Electron, Mastercard, or Maestro.
Who can take out a policy with Outbacker Insurance?
Outbacker’s policies are only available to permanent UK residents aged 18 to 40 who depart from and return to the UK.
If you’re not a UK resident, I recommend taking a look at Heymondo.
Why take out a policy with Outbacker Insurance?
The answer is quite simple: if you’re heading off on a backpacking adventure, and want affordable yet comprehensive coverage, Outbackers’ customisable policies have been designed to meet your needs.
Some of the most beneficial guarantees provided by Outbackers include high medical coverage, early return, cancellation coverage, loss or theft of belongings, travel disruption, and broad coverage for sports and activities.
Outbackers have a 24 hour, 365 days a year emergency assistance hotline. Having a policy that offers financial security is crucial, but it’s also reassuring to know that you can call your insurer at any time and receive assistance, especially when in a foreign country.
In my opinion, these are the absolute essentials for backpacking.
Is taking out Outbacker Insurance worth it?
Outbackers insurance is easy to contract, provides extensive medical coverage, and all for a great price, offering cost-effective insurance tailored to their target client-base.
In other words, Outbackers is not for all types of travellers, and is designed for gap years, working holidays, backpacking trips, volunteering trips, and even overseas student exchanges.
If you’re headed abroad to take part in one of these activities, or something like it, I definitely think Outbackers is a great option.
At the end of the day, in deciding whether Outbacker Travel Insurance is the right option for your trip, you’ll need to carefully consider your needs as a traveller. Remember, the ideal policy for someone else might not be ideal for you, and vice versa.
I hope that this Outbacker Insurance review has given you some valuable insight into choosing insurance for your next trip. Safe travels! ✈️