IATI Backpacker
Backpacker travel insurance for every adventure
#Sports
#Adventure
#Backpacker
Why choose IATI Backpacker for my trip?
Our backpacker travel insurance is designed for those exploring the world without fixed plans. It offers up to €500,000 in medical coverage, plus protection for adventure sports, search and rescue, and your tech gear. You can even extend your policy on the go if your journey lasts longer than expected.
What does the IATI Backpacker include?
Medical assistance abroad
We cover any medical and hospital expenses resulting from an illness or accident while on holiday.
Dental expenses
We cover the costs of emergency treatment resulting from acute dental problems, such as infections, pain, trauma, or as the result of an accident.
Personal injury in motor vehicle accidents
We cover medical and hospital expenses in case of a motor vehicle accident.
Chronic, pre-existing or congenital conditions - life threatening emergencies
In the event of a life-threatening emergency caused by an unpredictable complication of a chronic, pre-existing, or congenital condition, we will cover emergency primary healthcare costs for the first 24 hours from hospital admission.
Accomodation/Transport of a relative
If you are hospitalized for more than 2 days, we will cover a family member’s travel and accommodation costs, up to €100 per day for 14 days. We will also cover travel expenses in the event of death.
Delivery of medication abroad
If you can’t find the medication you need abroad, we will send it to you as quickly as possible, and you can reimburse us once you return.
Convalescence in a hotel
If you are unable to return home for medical reasons, we will cover the costs of convalescence in a hotel for up to €100 per day for 14 days.
Repatriation or transportation of the sick or deceased
If you suffer a serious illness or accident, we will cover the cost of emergency transportation to the nearest medical facility offering the most appropriate treatment — and, if necessary, your return home or repatriation in the event of death.
Early return in case of hospitalisation or death of a family member
If a close family member (up to the second degree) dies or is hospitalised, we will cover your and your travel companion’s repatriation.
Repatriation or transport of the other insured persons
If you need repatriation due to illness or death, we will also cover the repatriation of your insured travel companion.
Early return due to hospitalisation or death of a family member
In the event of the death or hospitalisation of an ascendant and descendant relative up to the second degree, we will repatriate both you and your travel companion.
Theft and damage to baggage
We cover theft of baggage involving violence or intimidation, provided a police report is filed, as well as any damage to or loss of baggage on public transport, provided a complaint is lodged with the transport company. Computers, tablets, and photographic equipment are covered up to 50% of the policy limit.
Delay in delivery of checked baggage
If the carrier takes more than 8 hours to deliver your baggage, we will reimburse you for any basic items you may need to purchase, as long as you provide a receipt.
Delivery of forgotten items during your trip
If you forget an item or recover one that has been stolen during your trip, we will arrange for it to be sent to your home.
Missed transport connections
If your public transport is delayed due to technical failure, strikes, severe weather, natural disasters, or intervention by authorities or third parties, and as a result you miss your scheduled connecting transport, we will reimburse the additional expenses you incur while waiting.
Delayed departure of the means of transport
If the transport you are travelling on is delayed by more than 6 hours, we will reimburse you €50 for every 6-hour period, upon presentation of proof of payment, to cover part of the expenses incurred. Delays caused by strikes or social conflicts are excluded.
Cancellation of the departure of the means of transport due to a strike
In the event that the public means of transport cancels the journey due to strikes or social unrest, we will reimburse you for the costs incurred on your way home.
Adventure sports premium
Athletics, gym activities, cycle touring, curling, hiking, jogging, ball games, beach games and camping activities, kayaking, swimming, orienteering, paddle surfing, fishing, snowshoeing, segway, hiking, snorkelling, trekking up to 5. 400 metres altitude, mountain biking, shooting sports / small game, cross-country skiing, jet skiing, snowmobiling, sailing, paintball, skating, canoeing, Tibetan bridge, climbing wall, 4×4 routes, survival, surfing and windsurfing, zip-lining, sledging in ski resorts, dog sledding (mushing), equestrian tourism, airsolf, canyoning, diving and underwater activities at depths of less than 40 metres, bulder up to 8 metres high, horse riding, sport climbing, fencing, caving at depths of less than 150 metres, water skiing, fly surfing, hydrobob, hydrospeed, kite surfing, canoeing, white water, psicobloc up to 8 metres high, quad biking, rafting, abseiling, bungee jumping, organised balloon trips and any other similar activities.
Search and rescue
We cover search and rescue costs in extreme or risky situations, including expenses for search, rescue, transport, or repatriation carried out by civil, military, or rescue organizations.
Forwarding of urgent messages
If, as the result of an accident for which we are covering you, you need to send a message to your family members and are unable to do so, we can send it for you.
Mandatory travel extension
If you are stranded due to severe weather, natural disasters, authorities’ intervention, war, terrorism, strikes, or social unrest, we will cover the resulting expenses. If the situation continues beyond your policy’s expiry, all coverage is extended for 5 days. See the General Conditions for all the details.
Private civil liability
We cover any compensation you are required to pay as liable for involuntary injury or material damage you may cause to any third-party. *This coverage only applies to journeys to and from Spain.
Accidental death coverage
We will also compensate in the event of accidental death during the trip.
Accidental disability coverage
We will compensate you in the event of permanent, full or partial disability resulting from an accident during the trip.
Cancellation expenses coverage
We will reimburse any non-recoverable costs you incur when cancelling your trip—such as flights, hotels, and other travel services—provided you cancel before the start of your trip and for a reason covered under this policy. For a full list of covered reasons, please refer to the PDF.
Medical assistance abroad
We cover any medical and hospital expenses resulting from an illness or accident while on holiday.
Dental expenses
We cover the costs of emergency treatment resulting from acute dental problems, such as infections, pain, trauma, or as the result of an accident.
Personal injury in motor vehicle accidents
We cover medical and hospital expenses in case of a motor vehicle accident.
Chronic, pre-existing or congenital conditions - life threatening emergencies
In the event of a life-threatening emergency caused by an unpredictable complication of a chronic, pre-existing, or congenital condition, we will cover emergency primary healthcare costs for the first 24 hours from hospital admission.
Accomodation/Transport of a relative
If you are hospitalized for more than 2 days, we will cover a family member’s travel and accommodation costs, up to €100 per day for 14 days. We will also cover travel expenses in the event of death.
Delivery of medication abroad
If you can’t find the medication you need abroad, we will send it to you as quickly as possible, and you can reimburse us once you return.
Convalescence in a hotel
If you are unable to return home for medical reasons, we will cover the costs of convalescence in a hotel for up to €100 per day for 14 days.