Outbacker Insurance Discount Codes & Best Deals

What Is Outbacker Insurance?

Outbacker Insurance is an Australian-founded, UK-based travel insurance provider that was specifically conceived for the young backpacker who wants a hassle-free purchase — insure and go, worldwide. Where most mainstream travel insurers focus on the two-week holiday market, Outbacker has built its business around the gap year traveller, the round-the-world backpacker, and anyone whose trip involves activities that standard policies exclude. With an average policy value around £180, it is priced for the extended-trip market rather than quick getaways.

The defining feature is breadth of activity cover. Outbacker policies cover over 100 sports and activities as standard — from bungee jumping and white-water rafting to scuba diving and trekking at altitude. Most mainstream travel insurers either exclude these activities entirely or charge significant add-on premiums. For travellers whose itinerary includes anything more adventurous than sitting by a pool, this matters.

Outbacker also covers pre-existing medical conditions on many of its policies, which is another area where mainstream insurers tend to either exclude cover or price it prohibitively. For travellers with managed conditions like asthma, diabetes, or controlled epilepsy, this can make the difference between affordable cover and being priced out of the market.

If you are looking for current verified deals, our Outbacker Insurance store page keeps an up-to-date list of active offers.

Current Outbacker Insurance Deals

Before exploring the policy options in detail, here is a summary of the deals currently available through our Outbacker Insurance store page.

Student and gap-year cover — Gap year and study abroad insurance is one of Outbacker's core markets, and the policy structure is built around it: long-stay durations, multi-country itineraries and activity cover as standard rather than as paid add-ons. Outbacker has run verified student discounts in the past; check our store page for whether one is live before you buy, since a student-specific code is not always running.

5% off your first policy — New customers receive 5% off their first travel insurance purchase, applied automatically. If you have not used Outbacker before, this discount stacks with the already-competitive pricing on long-stay and backpacker policies. Combined with the student code, this represents a meaningful saving on what can be a significant purchase for extended trips.

100+ activities covered as standard — While not a discount code, the inclusion of over 100 adventure activities in standard policies represents a significant saving compared to insurers that charge per-activity add-ons. Paying £15–£30 per activity with another provider adds up quickly if your trip involves multiple adventure sports.

Policy Types Explained

Outbacker offers several policy types designed for different travel patterns. Understanding which one fits your trip is the first step to getting the right cover at the right price.

Backpacker Insurance

The flagship product. Backpacker policies are designed for extended travel — typically three months to 18 months — and cover the specific risks that long-term travellers face. This includes working holiday cover (essential if you plan to work in Australia, New Zealand, or Canada on a working holiday visa), extended medical cover, and the 100+ activity list.

For gap year travellers and round-the-world trippers, backpacker insurance is significantly cheaper than buying multiple single trip policies for each country or leg of the journey. One policy covers the entire duration, regardless of how many countries you visit.

Long-Stay Insurance

Long-stay policies cover trips beyond the typical 31-day limit of standard annual policies. If you are spending a semester abroad, volunteering overseas, or taking an extended sabbatical, long-stay cover provides the duration you need without the backpacker-specific features you might not require.

Single Trip and Annual Multi-Trip

Outbacker also offers conventional single trip and annual multi-trip policies for shorter holidays. The key differentiator remains the activity cover — even on a two-week trip, if you are planning to try scuba diving, zip-lining, or quad biking, Outbacker's inclusive activity list avoids the add-on charges that other insurers apply.

Adventure Travel Insurance

For trips specifically centred around adventure activities — trekking in Nepal, diving in Southeast Asia, safari in East Africa — the adventure travel policy provides enhanced cover for the higher-risk elements of your itinerary. This includes search and rescue cover, helicopter evacuation, and higher medical limits appropriate for remote locations.

What Makes Outbacker Different?

Several features distinguish Outbacker from the mainstream travel insurance market.

100+ activities included — Most insurers cover a handful of low-risk activities as standard and charge extra for anything involving height, speed, water, or animals. Outbacker includes over 100 activities in the base price. For a traveller whose itinerary includes a mix of trekking, water sports, and adventure activities, this can save more than the cost of the policy itself in avoided add-on fees.

Pre-existing medical conditions — Outbacker covers many pre-existing medical conditions that other insurers exclude or price prohibitively. The screening process during the quote determines what is covered and at what cost, but the starting position is more inclusive than most competitors.

Working holiday cover — If your trip includes paid work — fruit picking in Australia, bar work in New Zealand, teaching in Southeast Asia — you need a policy that covers working. Standard travel insurance typically excludes any period during which you are employed. Outbacker includes this in their backpacker and long-stay policies.

Extended trip durations — While most insurers cap single trip cover at 31 or 45 days, Outbacker offers cover for trips up to 18 months. For long-term travellers, this removes the need to buy multiple policies or find specialist cover.

How to Save on Outbacker Insurance

Check for a student discount if you are a student. Any percentage saving is significant on a long-stay policy that might otherwise cost £150–£300+ for an extended trip. Where a student rate is running, verification is usually required, so have your student ID or enrolment details ready.

New customers get 5% automatically. If this is your first Outbacker policy, the 5% first-order discount applies without a code. This makes comparing Outbacker's price against other insurers straightforward — the price you see as a new customer already includes the discount.

Choose the right policy duration. Over-insuring (buying an 18-month policy for a 6-month trip) costs more than necessary. Under-insuring (buying a 6-month policy hoping to extend later) risks gaps in cover. Match the policy duration to your planned trip as closely as possible, with a buffer for potential extensions.

Review the activity list before adding extras. Check which activities are already included in your base policy before paying for add-ons. With 100+ activities covered as standard, the activity you think you need to add may already be included.

Check our store page before buying. Our Outbacker Insurance store page is updated regularly with the latest verified deals and codes.

More Outbacker Insurance Questions

What activities does Outbacker cover?

Outbacker covers over 100 sports and adventure activities as standard, including bungee jumping, scuba diving (to specified depths), white-water rafting, trekking at altitude, zip-lining, surfing, and many more. The full activity list is available on outbackerinsurance.com and varies slightly by policy type and tier.

Does Outbacker cover pre-existing medical conditions?

Yes, Outbacker covers many pre-existing medical conditions. During the quote process, you will be asked to declare any pre-existing conditions, and the system will advise whether cover is available and at what cost. Always declare all conditions accurately — failure to do so can invalidate your entire policy.

Can I extend my policy while travelling?

Policy extension options depend on the specific policy you hold and the circumstances. Contact Outbacker before your policy expires to discuss extension options. Extending after the policy has lapsed is typically not possible, so early action is important.

Is Outbacker suitable for older travellers?

Outbacker offers policies for a range of age groups, though premiums increase with age as medical risk rises. The pre-existing condition cover is particularly relevant for older travellers who may have managed health conditions. Get a quote on outbackerinsurance.com to see the pricing for your age group and circumstances.

What is the claims process like?

Outbacker provides a claims process through their website and customer service team. For medical emergencies, the 24/7 assistance helpline is the first point of contact. Keep all receipts, medical reports, and documentation during your trip — this makes the claims process significantly smoother if you need to make a claim.

Summary

Outbacker Insurance is a specialist travel insurer built for backpackers, gap year travellers, and adventure seekers who need cover that mainstream providers do not offer. With 100+ activities covered as standard, pre-existing condition cover, and policies stretching up to 18 months, it fills a gap that most high-street insurers leave open. The long-stay and multi-country policy structure makes it particularly relevant for students planning gap years or study abroad trips, and the 5% first-order discount benefits all new customers. Our Outbacker Insurance store page has the latest verified deals, and the wider travel deals page is worth checking if you are comparing insurance options across multiple providers.

Travelling students should also check our student discounts page for broader savings.

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