Outbacker Insurance29 reviews
This score is based on 29 genuine reviews submitted via BritainReviews since 2018.
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Find companies you have experience with and write reviews about them! Your reviews contribute to a more transparent market and improve the reliability of companies.Holiday turned into a claims saga
I booked this cover because we were heading to a fairly remote part of South America and, well, you hope you never need it. My husband slipped a disc — first proper back problem he's ever had — and suddenly we were in a basic local hospital unable to walk. Outbacker (underwritten by AXA) took over a week to approve anything, during which he got very little care. They eventually arranged a transfer to a private clinic but that took three days of back-and-forth and misrouted paperwork. They were evasive and slow, frankly. To be fair they did pay us back in the end, but only after six months and several thousand pounds out of pocket. Not confidence-inspiring; useful when it works, but the process was messy.
Still recommending, but with a big caveat
buy the cover, but be ready to chase up the insurer. I sent a claim in May for a nasty head injury — fractured skull, bleed on the brain, plus a parasite. It's now December and AXA haven't replied. The hospital are still owed over $4,000 and I'm out more than £1,000. Outbackers sell the policy, but they couldn't get AXA to respond for us, and there's no cheap way to ring AXA from abroad. I was wary of making long calls because of the cost and being on hold. So yeah, good cover on paper and I was happy they sold it, but prepare for admin and possible delays. Keep records and brace for a wait.
Unsettling but useful lesson
be careful, but there’s a silver lining. It’s a shame, yet I’m glad I dealt with it when I did. My partner and I had two bereavements while away and were told by the insurer we could claim flights home. We returned and put in a claim. Three rejections followed. Answers were vague. One agent even said the original advice might have been wrong, so for a moment we thought it would be sorted. We asked twice for the original phone recording because that call backs up what we were told. That was ignored. Emails asking to escalate to the financial ombudsman were brushed aside. Months passed. There was little real empathy, which stung. They did offer a glimmer of acknowledgement but no follow-through, which felt odd. Honestly, I expected more. My tip: record calls, get things in writing and be prepared to chase. Bit disappointing, but at least I’m better prepared next time.
Stranded in Bali with a dodgy boot
Right, so this is a bit of a saga. I broke my foot in Bali and was told I could either have surgery or wear a boot and rest — I went for the boot because I didn’t fancy an op abroad. I rang my insurer to sort a claim and pretty quickly got told I’d have to fly home for surgery, even though no one from their side had actually looked properly at the x‑rays. That stuck with me — I mean, two NHS doctors back home later said surgery wasn’t needed and wouldn’t be done on the NHS. For the rest of the trip I was half panicking that I’d lost a lot of money and that I’d been given bad info. What was oddly positive, and a bit confusing, was that they offered to cover missed trip costs and even two business class flights because I needed help and to keep my foot elevated. In the end, after months of mixed messages and almost zero contact, they did agree to reimburse me, but getting there was frustrating and slow. If you need clear, reliable medical guidance while abroad, this wasn't it for me. If you’re lucky you might get the money back and some decent flight upgrades, but don’t expect sensible medical advice without a fight. Learned the hard way to double‑check with actual doctors rather than relying solely on the insurer’s initial call.
Small mercy, big hassle
lots of repeated forms (same info, different places), a lot of “please resend” emails and not much in the way of clear instructions. Delivery of documents and updates was slow but, credit where it’s due, eventually something useful arrived — a proper phone call from someone who actually seemed to care and explained the next steps (took a while though). I’m not going to pretend it was slick; it felt clunky and bureaucratic, definitely not the smoothest experience. That said, I’m strangely glad it didn’t get any worse — could have been a total nightmare — and at least one rep made a difference, so thanks for that. If you’re a first-timer, brace yourself, and maybe tell a friend first so they can hold your hand a bit.
Quick customer service
I was really impressed with how great the customer service team at this insurance company was. I didn't have to wait long to talk to someone, and they sorted out all my insurance stuff really quickly.
Insurance policy purchase
I had a great chat with Bradley on the phone when I was getting my insurance sorted. He gave me all the info I needed and even shared some helpful tips from his own travels. His expert advice really made a difference and I appreciate his top-notch customer service.
Quick and professional customer service
I was really happy with how professional and efficient the customer service was when I got in touch. They picked up the phone quickly and the person I spoke to knew what they were talking about and helped me with my questions. It all went smoothly and easily, which gave me a lot of confidence in the service they offer.
Extension of insurance policy
I was in a bit of a pickle when I was stuck abroad due to Covid and had to extend my insurance policy. I missed the deadline for the first quote, but luckily Raquel from the customer support team really went out of her way to help me out and reinstate my extension even though my policy had already expired. Her help was so valuable and I can't thank her enough for the fantastic service I received. I would definitely suggest this company to anyone looking for dependable and quick insurance solutions.
Travel insurance upgrade
I recently had to upgrade my travel insurance policy because I needed coverage for a different location than I had originally planned. I got in touch with the customer service team at the insurance company and I was really surprised by how quickly they got back to me. They knew all about the various policy options and made it so simple and stress-free for me to upgrade my policy. I was honestly really impressed by how efficient and professional they were the whole way through.
Policy coverage and adding alternative authorised contacts
I had a few questions about my policy coverage and adding alternative authorised contacts for discussion. The customer service team quickly got back to me, which was great because it sorted out my worries and made me feel better. The staff were really professional and efficient, and I liked how they paid attention to detail in their responses.
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I wouldn't recommend going to that insurance company, mate. They'll do everything they can to avoid paying out any claims!
Called Outbacker for Backpacker insurance
Today, I gave Outbacker a call to get a quote on Backpacker insurance and I had so many questions. The person I spoke to, Nicky, was really helpful and knowledgeable, so I felt confident in choosing them for my insurance. Hopefully, I won't need to make a claim, but I trust that they'll be able to help me out right away if I do.
Travel insurance
I must admit, I was really pleased with the service I got from this insurance company. I needed to buy travel insurance for an upcoming holiday, and it was all pretty easy. The staff were really helpful and made sure I understood everything, which was great. The only thing was there was quite a lot of paperwork to fill in, which was a bit annoying. Other than that though, everything went smoothly. I felt safe and secure knowing I was covered if anything went awry during my trip.
Quick and simple online insurance purchase
I found the Outbacker Insurance website layout to be really easy to use, unlike other insurance companies I've tried before. Buying insurance online was fast and simple. However, my good experience took a hit when my flight got cancelled and I tried to cancel my insurance policy. It's been really tough to do, needing loads of calls and emails. It just doesn't make sense that it's so hard to cancel a policy that hasn't even started yet. But if I do manage to cancel eventually, I must say, the service overall was pretty decent.
Travel insurance purchase
I bought some travel insurance for my trip the other day and the company was really good. Their prices are competitive, especially for someone like me who likes to travel light. Unfortunately, I had to end my trip early and got in touch with their customer service for help. They replied fast and were so helpful in sorting out my problem. I really appreciate their understanding and support.
Quick response, polite customer service
I got in touch with your customer service the other day and I was really impressed with how quickly and politely they got back to me. The person I spoke to knew what they were talking about and gave me the info I was after straight away. It's nice to know there are skilled people on hand to help out whenever you need it.
My car insurance
The person I spoke to on the phone was really lovely and helped me out super quickly. They managed to fix my issue in no time at all.
Travel insurance date change
In these tricky times of the Covid-19 pandemic, I was stuck in a bit of a situation with my travel insurance for Australia. Since my travel plans got cancelled, I decided to get in touch with the customer service team at Outbacker Insurance to see about getting a refund. Luckily, Jemma was there to help me out. She came up with a solution that not only saved me some money but also eased a bit of the stress caused by the current situation. Jemma was quick, understanding, and really clued up about the policies, managing to adjust the start date of my insurance to 2021. I’m really thankful for her help and I must say, I’m impressed with the company for being so flexible and customer-focused.
Travel insurance for my daughter
I had such a great time sorting out travel insurance for my daughter! The person I chatted to on the phone was really helpful and friendly. They were so clued up about the insurance and managed to answer all my questions, apart from one little thing. They didn't just stop there though, they reached out to their pals for a bit of help and got back to me with the answer. I haven't needed to use the insurance just yet, but if it's anything like the booking process, I'm pretty confident it'll be really swift and simple.
About Outbacker Insurance
Most people know that it’s wise to take out an insurance policy when you’re travelling abroad. But in some cases, like a backpacker trip to various countries or travelling for a longer period, a normal insurance policy might not be sufficient. So what kind of company can you go to? One of the companies that offer insurances for backpackers and long haul travels is Outbacker Insurance. But what can you expect from them? What kind of cover do they really offer? And for what premium? Will they really pay when you need them to? What is their customer service like? There is almost a no better way to research these questions that by reading reviews that were placed here on BritainReviews by the backpackers that have already been in a more outback journey insured by Outbacker Insurance. Their reviews, experiences and personal opinions can inform you of the things you need to know about Outbacker Insurance before taking out their insurance policy.
About Outbacker Insurance
Outbacker Insurance is a travel insurance company which is now part of World Wide Internet Insurance Services Ltd. Outbacker Insurance provides insurance policies to people that are travelling and backpacking. They offer options for adventure travel, long stay travel, ski travel, year abroad travel, student travel, working abroad travel, gap year travel, extreme sports, backpacker, volunteering travel etc.
They cover many destinations like Africa, Europe, North America, Australia, South America, Asia and even a world travel insurance. Their policy includes the cover of a working holiday in which you work during your trip, travel or holiday. Their policy also covers more than a hundred different activities like archery, biathlon, basketball, bamboo rafting, angling, bridge walking, bungee jumping, cave tubing. squash, Tae Kwon Do, swimming, rowing, sailing, speed skating, mountain biking, safari tracking in a vehicle or on foot, rowing, kite skiing, karate, judo and many more.
Services of Outbacker Insurance
You can get a quote or even a complete travel insurance by subscribing via their website. They will want to know your departure date, the number of individuals, your destination, return date and whether you want to add winter sports or not. Instead of a return date, you can also opt for one of a few months. If you want some more information, you can contact them via the telephone number and email address that can be found on the bottom of the website.
Complaints, Compliments and Tips for Outbacker Insurance
Have you already made use of the insurance options that Outbacker Insurance offers? We from BritainReviews value every opinion and experience, so don’t hesitate to leave a review with your own story about Outbacker Insurance. How difficult is it to take out one of their insurance policies? What does their cover entail? Can you trust them to actually pay when you make a claim? And how does their customer service handle any complaints or problems their customers bring their way? The review that you place can help other backpackers to find out if Outbacker Insurance might provide the right kind of insurance policy for them.
Is Outbacker Insurance the best choice for backpack trips and work holidays? Read reviews about their adventure travel cover, gap year insurance etc.
Before taking out insurance
Firstly, before you take out insurance, you should consider answering the following questions. If the insurance company is an independent agent or an insurance company?
Secondly, you should research the company's history and reputation. And reading online reviews is a way to find out more about their consumer satisfaction.
Thirdly, you should also look into the insurance companies’ financial strength to be sure that they can cover your claims!
Fourthly, always looking into the coverage of an insurance policy. Make sure that what you need is what you get!
Fifthly, analyze and compare the price of an insurance policy. Whether you are taking out a home or health insurance, there is always a cheaper and (not always) a better option.
Finally, there are more things to consider before taking out insurance; matters as the ease of doing business like getting claims approved.
Also, if you are looking for reliable insurance companies, you can have a look at the following company or companies that have positive review scores on BritainReviews:
- Insure the GAP
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Insurance | Travel Reviews & Experiences
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Last update: October 2025
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Review with most votes
Outbacker is made for people l
I travel alot, somtime it is a fun sometime, it just exhaust. But still it is part of my job and I have to make my lifestyle according to it. Having constant flights and journey... Read onBy: Ray D'Silva