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 September 2023:
- Outbacker Insurance has an average rating of 4.2/5 on TrustPilot.
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.
- Rejecting 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
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 September 2023:
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 abroad insurance: perfect for gap years, volunteering, and working holidays.
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!
As mentioned, Outbacker’s catalogue of policies is limited, and they do 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!
Best policy for Backpackers
If you’re headed abroad on a backpacking trip, road trip, or inter-railing adventure, there are a few crucial benefits you should look out for. These include: sports activities cover, broad medical expenses, and cancellation cover.
Best policy for Working Holidays
Working holidays are a great way to fund your travels. Make sure your policy includes extensive medical coverage, sports and activities cover, and passport cover.
Best policy for students
Going on a student exchange programme isn’t all about studying! While abroad, you’re sure to want to discover all the exciting things that your student exchange destination has to offer. Here’s a policy designed for students that will allow you to make the most of your experience.
Best policy for adventurers
If you’re a bit of an intrepid traveller, you’ll know how important it is to have extensive medical coverage, to protect you in the event that you have an accident. Luckily, Outbacker offers high medical coverage at a competitive price.
How Outbacker 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 Insurance 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 Insurance 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.
- Go to the Outbacker Insurance website and click on “Instant Quote”.
- Select the region you’re travelling to, the Winter Sports option if necessary, and fill in how many travellers require insurance.
- Choose your plan, from least to most coverage: Silver, Gold, and Platinum.
- Choose additional cover: gadget cover, additional sports cover, return trips to the UK, or working holiday benefits.
- Fill in your personal details.
- 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
You know, flights don’t cost the same from all countries! To pay for my cheapest flights, I use NordVPN.
Basically, it’s a private network that allows you to access Internet sites from locations other than your own, and this can have some serious benefits:
In September 2023, enjoy a 59% discount on NordVPN.
Click here to activate your discount
Flights from Barcelona to Buenos Aires don’t cost the same if you buy them from Spain as from India, for example. So, once you’ve installed NordVPN, simply access websites like Skyscanner and compare prices by entering as if you were browsing from different countries.
The 8 countries from which it is cheapest to buy flights are: Malaysia, Bulgaria, India, Turkey, Romania, Indonesia, Portugal, and Thailand. Once you have NordVPN, head over to Skyscanner and start paying reduced prices for flights all over the world!
Finding cheap accommodation these days is really tough, so I’d also like to share my tips for saving money on accommodation.
Find accommodation at a discount
Access Booking.com now and get discounts of up to 15% in September 2023 by becoming a Genius user.
There are also ways to save money when booking your accommodation with Booking. The first of which is becoming a Genius user, something you get from making 2 bookings (Genius level 1), and 5 bookings (Genius level 2).
As a Genius user in Booking.com, you can enjoy:
- Discounts on room rates.
- Free breakfast.
- Upgrades to superior room categories.
- Free parking.
- Late check-out.
- Welcome gifts.
In addition, there are hotels in Booking.com that directly offer you a 10 to 15% discount on your rate for being a Genius user.
Access to get discounts of up to 15% by becoming a Genius user.
Finally, Booking.com has a Minimum Price Guarantee program, so if you find a cheaper price for your hotel on any other website, they’ll match it!
Comparing Outbacker with other insurers
The best way to ensure you’re getting the optimal level of coverage for your trip is to compare different policies on the market. In fact, more often than not, it helps you save money too.
It’s also a good idea to read online reviews, to give you an idea of an insurance company’s reputability, giving you the priceless bonus of travelling with peace of mind while abroad.
In order to find the most suitable policy for your trip, it’s important to think about what your needs are as a traveller, and what types of coverage will be most useful for your trip.
To help you, I’ve created this comparative table for trips of less than 90 days. Simply refer to the left-hand column to see which benefits you’re likely to need the most.
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⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️ | ⭐️⭐️⭐️ | ⭐️⭐️ | ⭐️⭐️ | ⭐️⭐️⭐️ | |
IATI Star | Assistance | Short Stay | Traveller | Short Stay | Nomad | |
Price for 7 days | 27€ | 24€ | 27€ | 20€ | 28€ | 42€ |
Discount in September 2023 | – 5% | – 5% | – 5% | – 10% for families | ❌ | ❌ |
Activate Discount | Activate Discount | Activate Discount | Activate Discount | Get a Free Quote | Get a Free Quote | |
Covid-19 | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |
Medical expenses | 500.000€ | 200.000€ | 3.500.000 € | 150.000€ | info | 222.600€ |
Hospitalization | Actual costs | 30€/day | Actual costs | Actual costs | info | 300.000€ |
Theft or loss of luggage | 1.500€ | 2.000€ | 1.700€ | 1.150€ | 2.300€ | 2.670€ |
Repatriation | Actual costs | Actual costs | Actual costs | Actual costs | Actual costs | 17.800€ |
Sports activities | Covered | Covered | Covered | Covered | Covered | Covered |
Phone theft | ❌ | ❌ | ✅ | ❌ | ❌ | ✅ |
Camera or drone theft | ❌ | ❌ | ✅ | ❌ | ❌ | ✅ |
Recommended for | All types of stays | All types of stays | All types of stays | All types of stays | All types of stays | Digital nomad |
Review | IATI travel insurance | Chapka insurance | HeyMondo insurance | ACS insurance | SafetyWing insurance | |
Promo Code IATI | Promo Code Chapka | Promo Code HeyMondo |
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.
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 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! ✈️
