Whether you are going to travel all over the world, embark on a Working Holiday adventure or take a short trip to Australia, you will have to consider travel insurance. Just do a quick google search and you will notice there are thousands of companies offering all kinds of cover. So many options can make choosing one that fits your needs a real hassle. We compiled a list to help you out (this is not an exhaustive list)!
Table of Contents
SafetyWing – Nomad-Focused, Flexible Coverage
- Who It’s For: Digital nomads, long-term travellers, remote workers; buy anytime—even after departure.
- Plans:
- Essential: Basic medical & travel cover, emergency evacuation, baggage and trip interruption.
- Complete: Adds higher medical limits, dental, political evacuation, terrorism, AD&D, and higher baggage limits.
- Key Cover:
- Emergency Medical: Up to USD 250 000 (Essential) / unlimited in some regions (Complete)
- Evacuation & Repatriation: Up to USD 100 000–250 000
- Lost Checked Luggage: USD 3 000 per period; USD 500 per item
- Adventure Add-Ons: Purchase riders for scuba diving beyond 18 m, skydiving, snow sports.
- Why Choose It: Month-to-month subscription, pause/resume mid-trip, global support network of nomads.
Go Walkabout – UK Working Holiday Specialists
Who It’s For: UK residents on Working Holiday, Gap Year or backpacking trips up to 2 years.
Policy Types:
- Walkabout / Walkabout Plus: Standard long-stay/backpacker cover (up to 18 m–2 y).
- Working Holiday: Allows paid or voluntary work (bar, café, retail, farm, manual labour with correct “Work Pack”)
Key Cover:
- Emergency Medical: Up to GBP 10 M (including repatriation)
- Trip Cancellation: Up to GBP 2 500
- Baggage & Documents: GBP 1 000; GBP 300/item; passport/driving licence replacement
- Loss of Money: Up to GBP 500
Add-Ons: Winter sports, cruises, gadget cover, manual-labour extension (Levels 2–4).
Why Choose It: Expert, personalised service (same-day quotes), flexible work packs, clear UK-based support.
World Nomads – Flexible, Adventure-Friendly
- Highlights: Extend policies on the road, covers a wide range of adventure sports up to a set limit.
- Medical Cover: AUD 200,000+ for emergency treatment and evacuation.
- Trip Cancellation & Curtailment: Reimburses non-refundable costs if you fall ill or face severe weather.
- Adventure Activities: Includes surfing, bushwalking, and snorkelling; purchase an “Explorer” add-on for scuba diving, skydiving, etc.
- Why It’s Great: Ideal for flexible itineraries and spontaneous extensions.
World Nomads provides travel insurance for travellers in over 100 countries. As an affiliate, we receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is information only and not a recommendation to buy travel insurance.
True Traveller – UK & EU Adventure Specialist
Who It’s For: Backpackers, gap-year students, long-stay holiday-makers based in the UK/EU.
Plans (Single & Annual Multi-Trip):
- True Value (budget backpacker; under 40)
- Traveller (most popular; broader age range)
- Traveller Plus (enhanced medical & cancellation limits)
Key Cover:
- Medical & Evacuation: Up to GBP 2.5 M–10 M depending on plan; excess GBP 35–125
- Cancellation/Curtailment: GBP 1 000–7 500
- Personal Liability: GBP 1 M–2 M
- Baggage & Valuables: GBP 1 000–2 500, with single-item and valuables sub-limits
Adventure & Extension: Covers 90+ activities as standard; extend online mid-trip if you decide to stay longer
Why Choose It: Highly flexible, 24/7 claims support, great reviews (5/5 on Reviews.io).
Chapka Assurances – French WHV Leader
- Who It’s For: European (EEA/French-territory) PVT/Working Holiday visa-holders aged 18–31/35 (up to 24 months).
- Cap Working Holiday Plan:
- Unlimited Medical: No cap on emergency medical & hospitalisation
- Repatriation & Evacuation: Up to EUR 4 000 000 cover for costs & liabilities
- Accidental Death/Disability: EUR 10 000–50 000 depending on severity
- Baggage & Personal Effects: EUR 1 000–2 500; single-item and values limits
- Personal Liability: EUR 4 000 000 in case you injure someone or damage property
- Trip Cancellation: Up to EUR 2 000 for non-refundable costs
- COVID-19 Cover: Medical and quarantine expenses included.
- Why Choose It: Tailored to European travellers, partnership discounts (e.g. 5% via our link).
Disclaimer: We receive a fee when you get a quote using these links. We do not represent the insurance companies. This is not a recommendation to buy travel insurance.
Updated on 15.05.2025