Adventure Awaits


Whether you've decided to backpack around Asia, live like a local in London or help build a school in Africa it's vital to get organised before your adventure. Zoom's backpacker travel insurance policy will cover your gap year for medical cover, trip cancellation, lost luggage, theft of cash, family emergencies and more! What are you waiting for? Zoom to it!


Medical cover

medical cover

A broken bone whilst backpacking would put an unfortunate dent in your budget. Relax your expenses for injury (or illness) are covered with full medical cover.


riding a scooter

Zip around Thailand or Bali worry free! You're covered to ride a moped or scooter on your trip if you are licensed to do so in Australia.

luggage cover

COVER for your luggage

Taking a GoPro or flashy camera to capture those special moments? Take off without a worry as your gadgets are protected with Zoom.

Adventure activities

Adventure activities

Want to swim with sharks or bungee in South Africa? Get cover for your fast paced activities with our adventure pack. Cowabunga!

Family emergencies

Family emergencies

If you need to head home or cancel your trip due to a family emergency? We'll cover your non-refundable deposits so you can focus on the rest. Phew!

24/7 emergency assistance

24/7 assistance

Your health is our number one priority. Our emergency assistance experts are just a phone call away 24 hours a day, seven days a week. Wherever you're zooming!

easy claims

easy claims

Who wants pages of paperwork! Our claims process is easy and we promise to assess fully documented claims in a flash.

Car Hire Excess

Peace Of Mind

Zoom to Zen. You can sit back and relax on your gap year knowing that you’re covered by award winning travel insurance.


When you're wandering the globe, far away from home, it's important to be clued up on your cover. 
Whether you're a budget conscious backpacker looking for the cheapest policy, or your mum is telling you to research and get comprehensive cover. You'll find answers to the most common travel insurance queries below, so that you're in the know before you go!
  • Am I covered for adventure activities during my gap year?
  • We automatically cover a wide range of adventure sports including diving, bunjee jumping, horse riding and more. You can also buy our Adventure Pack to cover additional adventure sports. 

  • I'm backpacking for two years; can I buy a Zoom policy?
  • Unfortunately not, our maximum trip duration is one year for most travellers, and six months for travellers 80-85.

  • Am I covered medically if I'm injured doing an adventure activity?
  • Yes. If you were to have an unforeseen accident on holiday while participating in a listed activity, your medical expenses would be covered, so long as you were not intentionally putting yourself at risk.

  • Am I covered to ride a motorbike or scooter?
  • At Zoom, you're covered to ride a motorbike or scooter of any engine size provided you are licensed to do so in Australia. If you do not have a valid motorbike license then you can only ride a bike of 50cc using your Australian drivers license. You must also be wearing a helmet at all times.

  • What if I need to see a doctor overseas?
  • If you find yourself sick or injured whilst on your holiday it's important to get in touch with us asap. Our medical emergency team are just a phone call away and can help you with finding the nearest doctor, payment of your treatment, and peace of mind. Head to our contact us page to learn all our helpful numbers.

  • Am I covered for Bali belly, Malaria or Dengue fever?
  • Travelling around developing countries can put you at risk of contracting nasty diseases. However, you can rest assured that all our policies cover you for Unlimited medical benefits if you were to fall ill. This includes access to hospitals, ambulance, doctors and evacuation and even repatriation home if required.

  • Am I covered to volunteer while I backpack?
  • Yes, Zoom policies do not impose any restrictions on volunteering overseas, assuming you were not intentionally putting yourself at risk.  If you are working with animals on your gap year you must purchase our Adventure Pack to be covered for any sort of Animal Handling. 

  • Am I covered to study overseas on my gap year?
  • Yes, whether you're going overseas for business, pleasure or to study, Zoom's policies cover you if you have decided to further your education abroad. However, Zoom's policies have a maximum trip duration of 365 days, so bear this in mind when decided on your course duration. 

  • Am I covered to teach English abroad?
  • Yes, Zoom policies do not impose any restrictions on teaching English overseas, assuming you were not intentionally putting yourself at risk, or travelling to a destination that Smartraveller said DO NOT TRAVEL to.

  • Am I covered for elephant riding?
  • Yes, Zoom policies cover for elephant, camel, or horse riding automatically. Refer to our adventure activities page for more information.

  • Am I covered for bungee jumping?
  • Head for heights? Rather you than us! Get bouncy as Zoom policies cover bungee jumping or canyon swinging automatically. Refer to our adventure activities page for more information.

  • Am I still covered if I drink alcohol?
  • When it comes to Cosmos and Espresso Martinis we advise you to drink in moderation. It's your holiday, so of course you should have a drink and enjoy yourself. But beware, that we might exclude any claims where excessive drugs or alcohol have been involved.

  • Can I insure my SLR camera or GoPro?
  • Taking an expensive gadget on your gap year? If you've got a SLR camera, laptop or GoPro you can insure it separately for up to $5,000. Please note that high value item cover is only available under our comprehensive plan.

  • Am I covered for pick pocketing?
  • Yes, you’re covered for muggings provided of course, you were acting with reasonable care (i.e. did not leave your belongings unattended). If you’re the victim of a pickpocket (even of the cheeky monkey variety), you’d be covered for loss, theft and damage to your luggage and personal effects. If you are robbed it’s important that you get a police report and contact us as soon as possible.

  • Am I covered for travel to all destinations?
  • Travelling is one of the most exciting things, but it can carry risks too. Zoom covers travel to all destinations provided there is not a travel warning from the Department of Foreign Affiars and Trade saying to 'reconsider your need to trave; ' or 'do not travel'.

  • Am I covered if I miss a flight?
  • If you miss a flight due to bad weather, a natural disaster, strike, riot, hijacking or civil commotion, relax as your travel insurance will come to the rescue. However if you miss a flight due to another airlines late departure, or typical travel delays caused by an airline, it usually falls on your transport operator to get you booked onto another flight. 

  • What do I do if I lose my passport?
  • We reimburse the cost to replace your passport, credit cards and travel documents (eg. visas, travel passes) if they're lost, stolen or used fraudulently whilst overseas.  Our emergency assistance team can assist you to locate the relevant embassy or consular services if required.


Each Zoom plan has different policy benefits. You can minimise your costs with Medical Only cover, or choose to buy Comprehensive Travel Insurance for extra protection to cover things like travel delays and cancellation. Compare Zoom's Travel Insurance plans online today.

Like all travel insurance plans, they don't cover everything. Just the unexpected.
You should read your policy document (PDS) carefully to ensure you select the cover that is best for you.

You can add optional cover for extras such as Rental Vehicle Excess if you are hiring a car, Sports Activities Pack if you’re feeling adventurous and Snow Cover if you are hitting the slopes.  These can be added during the quote process.  


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