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IATI Backpacker For the adventure of discovering the world by yourself

Adventure sports included

Medical expenses €500.000 COVID-19 included

With optional cancellation

IATI Backpacker

This policy is specially designed for backpackers who are setting off to see the world without knowing exactly which countries they will visit or how long the trip and who may take some risk. It combines high medical coverage of €500,000 with our classic cover and other specific upgrades such as adventure sport, search and rescue, and computer equipment in your luggage. You can also take out a new policy when you arrive if you decide to extend your trip.

Our backpacker travel insurance includes cancellation cover of up to €2,000 if you are unable to go on your trip for one of the reasons set out in the policy. For cancellation cover, you must take out this insurance policy at the same time or within the following 7 days of booking the trip to which the policy applies.

THIS POLICY IS NOT VALID FOR THOSE OVER 70 YEARS.

Coverage summary IATI Backpacker

Medical Assistance

500.000€
We cover medical and hospital expenses as a result of you becoming ill or having an accident during your trip. COVID-19 included
350€
We cover the costs of emergency treatment as a result of acute dental problems such as infections, pain, trauma or following an accident.
INCLUDED
We cover hospital and medical expenses if you have an accident in a motor vehicle.
600€
If you have to stay in hospital for more than 5 days, we will cover the travel costs and pay up to €60/day for 10 days for a relative to stay with you
840€ (2000€ Costa Rica)
If doctors say you are unable to return home immediately, will we cover the costs of convalescing at a hotel with up to €60/day for 14 days.
INCLUDED
If you need specific medication and you cannot find it abroad, we will send it to you as soon as possible and you can repay us when you get back

Repatriation

100%
If you have a serious illness or accident, we will cover the cost of emergency transport to the nearest medical centre or the place that provides the most appropriate treatment, and even your transport home if deemed necessary or in the event of your death.
100%
If you need to be repatriated as a result of illness or death, we will also repatriate your travel companion.
100%
If your spouse or a first- or second-degree relative dies or is admitted to hospital, we will repatriate you and your travel companion
100%
If a serious incident occurs at your home or business premises that requires your presence, we will repatriate you and your travel companion.
100%
If you have to cut short your trip because of a natural disaster or an unusual natural phenomenon which means you are unable to complete the trip you originally scheduled, we will cover return travel to your usual place of residence in Spain. We also will cover a second travel ticket for your travel companion, providing s/he is also insured under this policy.

Baggage and documents

1.500€
We will cover the cost of baggage stolen using violent or intimidating means, on presentation of the written police report, as well as baggage lost or damaged on public transport, on presentation of the claim made to the carrier. Valuables are covered at up to 50% of the policy limit, with some exclusions that are not covered.
INCLUDED
If the carrier of a scheduled flight loses your luggage, we will help you find it and get it to you
100%
We will send any essential basic items or medication that you forget to take with you when you set off on your trip

Delays

300€
If the carrier takes over 24 hours to deliver your luggage, we will reimburse the costs of any basic items you have to buy, on presentation of the receipts.
270€
If your departure is delayed for more than 6 hours, we will pay you €90 for every full 6 hour period to cover part of your expenses, on presentation of receipts. Delays caused by strikes or civil unrest are not covered.
90€
If the public transport you are using is delayed due to a technical failure, strike, bad weather or natural disaster, or intervention by the authorities or others by force, which means you are unable to catch the next public transport for which you already have a ticket, we will reimburse the expenses you incur while waiting
90€
If the departure of your chosen public transport means is cancelled due to a strike or civil unrest, we will reimburse any extra costs incurred to return home
500€
If you are stuck somewhere during your trip due to bad weather, natural disaster, unusual natural phenomenon, intervention by the authorities, war, terrorism, popular movements, strikes or social unrest, we will cover the expenses incurred as a result. If you are still unable to continue travelling at the policy end date, all of your coverage will be extended for a further five days

Adventure

INCLUDED
Athletics, gymnasium activities, cycling tours, curling, hiking, running, ball games, beach games and camping activities, kayaking, swimming, orienteering, paddle surfing, fishing, snowshoeing, segway, rambling, snorkelling, trekking up to 5,200 metres altitude, and any other of a similar nature. Mountain biking, shooting sports / small game hunting, cross country skiing, jet skiing, snowmobiling, sailing, paintball, ice skating, canoeing, monkey bridge, climbing wall, 4×4 jeeps, survival, surfing and windsurfing, ziplines, trekking between 2,000 and 3,000 metres altitude, sledging at ski resorts, mushing, horse ride tours, and any other of a similar nature. Whitewater, airsolf, canyoning, diving and underwater activities at a maximum depth of 20 metres, bouldering at a maximum height of 8 metres, horse riding, sports climbing, fencing, caving at a maximum depth of 150 metres, water skiing, fly surfing, hydroBOB, hydrospeeding, kite surfing, canoeing, deep-water soloing at a maximum height of 8 metres, quad biking, rafting, abseiling, bungee jumping and other of a similar nature
15.000€
If you are exposed to a risk, aggravated by a difficulty, that results in search, rescue, transportation or repatriation expenses by civil or military means or by rescue services, we will reimburse the costs.

Emergency Assistance

INCLUDED
If you need to send a message to your family as a result of a claim that we are covering you for but you are unable to, we will send it for youq2

Legal Cover

60.000€
We will pay any claims brought against you if you are held liable for any injuries or damage you involuntarily cause to third parties.

Accidents

6.000€
We will indemnify you in the event of permanent, total or partial disability as a result of an accident during your trip.
6.000€
We will also pay indemnification in the event of death as a result of an accident during your trip.

Optional

2.000€
We will reimburse any expenses that you can not recover directly from the travel supplier (e.g. flights, hotels) as a result of cancelling your trip, provided that you cancel before the trip starts and for one of the reasons set out in the policy. Read the cancellation reasons in the pdf

Terms and conditions

To view the full conditions of the policy, please download the document in PDF
General conditions
cancellation coverage
cancellation coverage

Get a quote

IATI Backpacker

This policy is specially designed for backpackers who are setting off to see the world without knowing exactly which countries they will visit or how long the trip and who may take some risk. It combines high medical coverage of €500,000 with our classic cover and other specific upgrades such as adventure sport, search and rescue, and computer equipment in your luggage. You can also take out a new policy when you arrive if you decide to extend your trip.

Our backpacker travel insurance includes cancellation cover of up to €2,000 if you are unable to go on your trip for one of the reasons set out in the policy. For cancellation cover, you must take out this insurance policy at the same time or within the following 7 days of booking the trip to which the policy applies.

THIS POLICY IS NOT VALID FOR THOSE OVER 70 YEARS.

Medical Assistance

Medical assistance abroad (COVID-19 Included)

500.000€
We cover medical and hospital expenses as a result of you becoming ill or having an accident during your trip. COVID-19 included

Dental expenses

350€
We cover the costs of emergency treatment as a result of acute dental problems such as infections, pain, trauma or following an accident.

Personal injury in motor vehicle accidents

INCLUDED
We cover hospital and medical expenses if you have an accident in a motor vehicle.

Travel/accommodation of a relative

600€
If you have to stay in hospital for more than 5 days, we will cover the travel costs and pay up to €60/day for 10 days for a relative to stay with you

Convalescence in a hotel

840€ (2000€ Costa Rica)
If doctors say you are unable to return home immediately, will we cover the costs of convalescing at a hotel with up to €60/day for 14 days.

Sending medication abroad

INCLUDED
If you need specific medication and you cannot find it abroad, we will send it to you as soon as possible and you can repay us when you get back

Repatriation

Repatriation or transport of other injured persons or remains

100%
If you have a serious illness or accident, we will cover the cost of emergency transport to the nearest medical centre or the place that provides the most appropriate treatment, and even your transport home if deemed necessary or in the event of your death.

Repatriation or transport of other insured persons

100%
If you need to be repatriated as a result of illness or death, we will also repatriate your travel companion.

Early return home due to hospitalisation or death of a relative

100%
If your spouse or a first- or second-degree relative dies or is admitted to hospital, we will repatriate you and your travel companion

Early return due to a serious incident at the home/business premises of the insured

100%
If a serious incident occurs at your home or business premises that requires your presence, we will repatriate you and your travel companion.

Early return due to a natural phenomena

100%
If you have to cut short your trip because of a natural disaster or an unusual natural phenomenon which means you are unable to complete the trip you originally scheduled, we will cover return travel to your usual place of residence in Spain. We also will cover a second travel ticket for your travel companion, providing s/he is also insured under this policy.

Baggage and documents

Theft and damage of luggage

1.500€
We will cover the cost of baggage stolen using violent or intimidating means, on presentation of the written police report, as well as baggage lost or damaged on public transport, on presentation of the claim made to the carrier. Valuables are covered at up to 50% of the policy limit, with some exclusions that are not covered.

Locating and sending lost luggage

INCLUDED
If the carrier of a scheduled flight loses your luggage, we will help you find it and get it to you

Delivery of belongings that are forgotten

100%
We will send any essential basic items or medication that you forget to take with you when you set off on your trip

Delays

Delayed delivery of checked baggage

300€
If the carrier takes over 24 hours to deliver your luggage, we will reimburse the costs of any basic items you have to buy, on presentation of the receipts.

Delayed departure

270€
If your departure is delayed for more than 6 hours, we will pay you €90 for every full 6 hour period to cover part of your expenses, on presentation of receipts. Delays caused by strikes or civil unrest are not covered.

Missed connection

90€
If the public transport you are using is delayed due to a technical failure, strike, bad weather or natural disaster, or intervention by the authorities or others by force, which means you are unable to catch the next public transport for which you already have a ticket, we will reimburse the expenses you incur while waiting

Departure cancellation due to strike

90€
If the departure of your chosen public transport means is cancelled due to a strike or civil unrest, we will reimburse any extra costs incurred to return home

Trip Extended

500€
If you are stuck somewhere during your trip due to bad weather, natural disaster, unusual natural phenomenon, intervention by the authorities, war, terrorism, popular movements, strikes or social unrest, we will cover the expenses incurred as a result. If you are still unable to continue travelling at the policy end date, all of your coverage will be extended for a further five days

Adventure

Adventure sports included

INCLUDED
Athletics, gymnasium activities, cycling tours, curling, hiking, running, ball games, beach games and camping activities, kayaking, swimming, orienteering, paddle surfing, fishing, snowshoeing, segway, rambling, snorkelling, trekking up to 5,200 metres altitude, and any other of a similar nature. Mountain biking, shooting sports / small game hunting, cross country skiing, jet skiing, snowmobiling, sailing, paintball, ice skating, canoeing, monkey bridge, climbing wall, 4×4 jeeps, survival, surfing and windsurfing, ziplines, trekking between 2,000 and 3,000 metres altitude, sledging at ski resorts, mushing, horse ride tours, and any other of a similar nature. Whitewater, airsolf, canyoning, diving and underwater activities at a maximum depth of 20 metres, bouldering at a maximum height of 8 metres, horse riding, sports climbing, fencing, caving at a maximum depth of 150 metres, water skiing, fly surfing, hydroBOB, hydrospeeding, kite surfing, canoeing, deep-water soloing at a maximum height of 8 metres, quad biking, rafting, abseiling, bungee jumping and other of a similar nature

Search and rescue

15.000€
If you are exposed to a risk, aggravated by a difficulty, that results in search, rescue, transportation or repatriation expenses by civil or military means or by rescue services, we will reimburse the costs.

Emergency Assistance

Sending urgent messages

INCLUDED
If you need to send a message to your family as a result of a claim that we are covering you for but you are unable to, we will send it for youq2

Legal Cover

Personal civil liability

60.000€
We will pay any claims brought against you if you are held liable for any injuries or damage you involuntarily cause to third parties.

Accidents

Disability guarantee

6.000€
We will indemnify you in the event of permanent, total or partial disability as a result of an accident during your trip.

Death

6.000€
We will also pay indemnification in the event of death as a result of an accident during your trip.

Optional

Cancellation costs

2.000€
We will reimburse any expenses that you can not recover directly from the travel supplier (e.g. flights, hotels) as a result of cancelling your trip, provided that you cancel before the trip starts and for one of the reasons set out in the policy. Read the cancellation reasons in the pdf

Terms and conditions

To view the full conditions of the policy, please download the document in PDF
General conditions
cancellation coverage
cancellation coverage