Travel Insurance – what you need to know

As the Australian Department of Foreign Affairs and Trade (DFAT) state on their website, ‘If you can’t afford travel insurance, you can’t afford to travel’. It’s just not worth the risk to travel overseas without insurance cover. Hospital and repatriation costs to get a traveller back home can be horrendously expensive.

It’s not only medical costs that you need to be insured for. Cancellation, Tour Operator insolvency, loss of luggage, cash lost or stolen, travel delays and personal liability are just some of the benefits found in most Travel Insurance policies. One outstanding feature of most policies is a 24 hour, toll free number to call if you get into difficulties likely to result in an insurance claim.

There are a few questions to ask when considering travel insurance. What does the insurance cover? What are the exclusions? (ie: what is not covered in the policy). How much is it going to cost me?

There is some excellent information about travel insurance available from the Insurance Council. 

And finally, if you were considering travelling ANYWHERE overseas without travel insurance, PLEASE read this article on smartraveller.gov.au first.

Liability Insurance

As part of our commitment to the welfare of all our trekkers, Back Track Adventures carries a $10,000.000 Public Liability policy with LLoyds of London as added protection for you.

In addition Back Track Adventures is a fully licensed and accredited Travel Agent and Tour Operator. We are members of the Travel Agents Compensation Fund which protects all our clients money paid to us in case of business failure or closure.  

All clients monies paid to us are 100% secure.


If you wish, you can arrange Personal Travel Insurance, direct with CoverMore Travel Insurance.