CoverForYou Backpacker travel insurance is designed for extended trips, allowing you to travel for up to 18 months when purchasing directly from us.
Unlike Single Trip and Annual Multi-Trip policies, Backpacker cover also allows you to make temporary visits home to the UK during your journey, subject to specific conditions.
If you purchase your Backpacker policy directly through CoverForYou, you can obtain cover for a trip lasting up to 18 months.
This makes Backpacker insurance suitable for longer holidays, gap years and extended travel across multiple destinations.
Your policy must cover the full duration of your intended journey and include the appropriate geographical area for the countries you plan to visit.
Maximum trip durations may differ if you purchased your Backpacker policy through a price comparison website, such as:
Compare the Market
Go.Compare
Confused.com
MoneySuperMarket
Please check your policy wording and validation certificate to confirm the maximum duration applicable to your cover.
If you've purchased the optional Winter Sports upgrade, you'll have a maximum of 17 days of winter sports cover during your Backpacker trip.
This is the total allowance for the entire insured journey, not 17 days per destination.
For example, you could spend seven days skiing in one destination and ten days in another, provided you stay within your 17-day allowance and meet the other policy conditions.
Yes. You can make temporary visits to the UK without automatically ending your Backpacker policy, provided you stay within the permitted number of visits and duration limits.
The allowance depends on your level of cover.
You can make:
1 temporary return visit to the UK.
For a maximum of 14 days.
You can make:
Up to 2 temporary return visits to the UK.
For a combined maximum of 31 days.
For example, if you have a Platinum Backpacker policy, you could return to the UK for 14 days on one occasion and 17 days on another.
The combined duration must not exceed 31 days.
If you need to exceed your permitted UK visit allowance, please contact our customer service team.
Depending on your circumstances, we may be able to offer an extended stay option, subject to additional eligibility requirements.
Important: Do not assume an extended stay is automatically permitted. Any additional arrangements must be agreed with us.
No. Your Backpacker insurance cover is suspended during temporary return visits to the UK.
This means you cannot claim for events occurring during the excluded return period, including:
Medical emergencies or treatment while in the UK.
Lost, stolen or damaged luggage.
Missed or delayed flights.
Other travel-related losses arising during your return visit.
Your Backpacker cover stops when you depart from your overseas destination to return to the UK.
This means your journey back to the UK is not covered under your Backpacker policy during a temporary return visit.
Your insurance automatically resumes when you arrive back at your international destination to continue your Backpacker trip.
Your journey from the UK back to your overseas destination is not covered while your insurance is suspended.
Important: Cover resumes only if you remain within your permitted UK visit allowance and meet the other terms and conditions of your policy.
Benefit | Silver & Gold | Platinum |
|---|---|---|
Maximum trip duration | Up to 18 months | Up to 18 months |
Winter Sports cover | 17 days | 17 days |
Permitted UK return visits | 1 visit | Up to 2 visits |
Maximum time in the UK | 14 days | 31 days combined |
Insurance during UK visits | Not covered | Not covered |
These limits apply to policies purchased directly from CoverForYou.
Before starting your Backpacker trip, make sure:
Your policy covers your full journey, including the planned return date.
Your geographical area includes all your destinations.
Any Winter Sports activities fall within your 17-day allowance.
Planned visits back to the UK stay within your permitted allowance.
You understand when your insurance is suspended during temporary UK visits.
If your plans change or you're unsure whether your trip remains covered, please contact us.
Get a Backpacker travel insurance quote
Please note: All cover is subject to your policy's terms, conditions, exclusions, maximum trip duration, benefit limits and any applicable excess. Temporary visits to the UK are subject to the specific conditions of your Backpacker policy.
