Bar work, or teaching, voluntary work or studying or just backpacking from country to country discovering new cultures and friends, from 1 month to 12 months, we can cover you. We have specialised in this type of insurance for over 30 years and have a wealth of experience in providing Backpacker Travel Insurance.

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Usually with these type of trips you plan to travel for a longer duration than just a ‘normal’ holiday, therefore other elements to consider are bereavement cover and the ability to extend your cover during your trip, whilst you are still overseas, both of which we can help with.

Key Features

  • A choice of three packages
  • Emergency Medical Expenses up to £5 million
  • 24-hour Emergency Medical Assistance and repatriation
  • Ability to extend cover whilst overseas
  • Working and volunteering cover
  • Additional Amateur Mountain biking option
  • Cancellation cover due to FCO warnings
  • Snowsports option
  • Sailing cover
  • Most unplanned sports and activities covered
  • Loss or damage to baggage, including cameras and iPod
  • Bereavement cover
  • Personal liability
  • Cover for UK citizens living in the EU


There is cover for most activities as long as they don’t form the reason for your trip and are incidental to your trip.

We are fully aware that people taking a gap year or backpacking may undertake the occasional ‘risky’ activity, so for the sake of clarity we have shown below what is and is not covered by this policy.

The following activities are not covered:

  • Wintersports, mountain biking or rugby (unless you have paid the appropriate additional premium)
  • Trekking above 6000 metres
  • Scuba diving (unless accompanied by a qualified diving instructor, maximum depth 30 metres)
  • Mountaineering with ropes
  • Potholing
  • Hang gliding
  • Parapenting
  • Travelling in an aircraft (other than as a fare paying passenger)
  • Canyoning

In addition there are specific exclusions relating to motorcycling and quad bikes

All other activities, therefore, by implication are included in this insurance provided they are incidental, and they have not been pre-planned and booked before your departure from United Kingdom, (if an activity/sport has been pre-planned please call us on 01428 778000).

The following is an example of included activities, provided they are incidental. For those marked with an * there is no cover under the Public Liability section.

  • Bungee-jumping
  • Abseiling
  • Road cycling
  • Baseball
  • Cricket
  • Hockey
  • Quad biking*
  • Sailing*
  • White water rafting
  • Horse riding
  • Trekking (below 6,000m)
  • Parachuting
  • Canoeing
  • Surfing
  • Jet-skiing*
  • Windsurfing
  • Water-skiing
  • Ballooning


Most work and volunteer work is covered under the policy with only 4 main exclusions:-

  • Working offshore (other than watersports),
  • Working outside higher than 6 metres above the ground,
  • Working underground,
  • Use of chainsaws.

There is no personal liability cover whilst working, as this should be covered by an employer and we recommend you check this out.

Some useful Information

You may think you are covered under your family Annual Multi Trip policy - check this out, you may not be, there is a duration limit for each trip, often 31 days and many stop cover at age 18, plus most holiday travel insurance doesn’t cover you if you are working/volunteering.

If you are planning to work for a tour operator, they should insure you - check out MPI’s Resort Staff Insurance.

Also take a look at our Top 10 Tips and surprise yourself – it’s packed full of very useful information.

“Remember it's not the cost that matters but the cover that counts.”

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If you require any help or information regarding your choice of policy, a claim or any aspect if our products or services and you can't immediately find an answer here on our website or in our FAQ, then please feel free to contact us using this form.

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MPI Brokers Head Office
West House, 19-21 West Street
Haslemere, Surrey, GU27 2AB
United Kingdom
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Michael Pettifier Insurance Brokers Ltd. trading as MPI Brokers, Mind The Gap Year, MPI Don’t Stop Me Now and Douglas Cox Tyrie is authorised and regulated by the Financial Conduct Authority FCA number 308481

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