Need help? For AI financial guidance, click here to Ask Marvin

Outbacker Travel Insurance Review

This article was last updated:

Everything you need to know before you buy travel insurance from Outbacker!

The experts say:

Underwritten by AXA, Outbacker's Platinum travel insurance package is a reliable option for those looking for long-stay cover during a backpacking trip or gap year. With the cover limit of up to £2,500 when cancelling before travel and £1,500 cover for personal possessions and baggage, it isn't the most generous policy on the market, but it may suit those who haven't pre-booked pricey activities and aren't taking expensive items. If you're travelling with a high-spec laptop and/or phone, bear in mind that the default single item limit is only £150 – you can add the "gadget cover extension" if you want to increase that to £1,500. A big plus of Outbacker is that no excess is payable on medical claims, so you won't have to worry about any unexpected medical bills while abroad (as long as you've abided by the terms of the policy). A Fairer Finance Star Rating of 4 stars and 5 stars from Defaqto suggests this package is certainly worth looking into. But what do customer reviews of Outbacker say? Read on to find out.

What Outbacker customers are saying right now:

The Good

  • ✅ Quick to respond and resolve customer issues
  • ✅ Helpful in finding best quote and cover for the trip
  • ✅ Empathetic customer service
  • ✅ Reimbursed hospital expenses
  • ✅ Straightforward and easy to compare with other deals

The Bad

  • 🤬 Poor customer service with slow payment process and delays in responding to claims
  • 😡 Ignored claim submissions, leaving customers feeling incredibly stressed
  • 🤯 Takes a very long time for claim payments to be reimbursed
Read more customer reviews of Outbacker

Outbacker customer reviews summary

Outbacker travel insurance has earned a score of 8 out of 10 for their outstanding customer service and helpfulness in difficult situations such as medical emergencies. Customers have praised the value of their coverage, swift response times, and empathy when dealing with insurance claims. Although the claim process can take a while, customers overall have experienced a positive experience worth recommending to others.

Is Outbacker one of this year's Top 10 backpacker travel insurance companies?

Deep-dive on Outbacker Platinum Travel Insurance

Outbacker's Platinum policy is a gem among backpacker travel insurance options. It provides extensive cover in case of medical emergencies, personal possessions and baggage mishaps, trip cancellations, and more. Let's take a closer look at some of its standout features.

Medical Excess: Outbacker ensures that your health won't suffer a dent in your pocket by offering a fabulous medical excess of £0. That means you won't have to pay anything extra when making a medical claim.

Personal Possessions and Baggage: The Platinum policy covers up to £1,500 for damaged, lost, or stolen personal items. So, you can bid farewell to worries about your precious gear and belongings.

Trip Cancellation Cover: Outbacker's Platinum policy offers a generous cancellation cover limit of £3,000. If you're unfortunately unable to embark on your trip as planned, this cover will come to your rescue.

Emergency Medical Cover and Repatriation: It's essential to have robust medical coverage while backpacking, and Outbacker's Platinum policy delivers with an impressive limit of £15,000,000. This ensures any necessary treatment and even repatriation costs are taken care of.

Mental Health Cover: Outbacker understands that mental health is as important as physical health. Therefore, their Platinum policy includes cover for any new mental health problems that may arise during your trip.

Additional Benefits: In addition to the above, Outbacker's Platinum policy covers personal money up to £400, combined passport and travel cover up to £350, cutting trip short up to £3,000, and natural disaster relocation and baggage cover.

Noteworthy Positive Features

Mental Health Cover: Kudos to Outbacker for recognizing the importance of mental health while travelling. Their inclusion of coverage for mental health-related issues sets them apart from many other insurance providers.

Natural Disaster Protection: Natural disasters can be unpredictable, but Outbacker's Platinum policy has your back. With relocation and baggage cover in case of a natural disaster, you can now explore with added peace of mind.

Comparison of Outbacker Platinum Travel Insurance with Silver and Gold

Feature Outbacker Silver Outbacker Gold Outbacker Platinum
Fairer Finance Star Rating ★★ ★★★★ ★★★★★
Medical excess £150 £50 £0
Personal Possessions and Baggage cover limit £1,000 £1,500 £1,500
Cancelling before travel cover limit £1,500 £3,000 £3,000
Emergency medical cover and repatriation limit £15,000,000 £15,000,000 £15,000,000
Mental health cover No Yes Yes
Personal money cover limit £400 £400 £400
Combined passport & travel documents cover limit £250 £350 £350
Cutting trip short (curtailment) cover limit £1,500 £3,000 £3,000
Abandoning your trip (abandonment) cover limit £0 £0 £0
Natural disaster relocation cover Yes Yes Yes
Natural disaster baggage cover No Yes Yes