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Go Walkabout travel insurance review

We explain whether Go Walkabout is worth checking out.

From lads trips to family holidays it’s crucial you get the right level of travel insurance. Should you have an emergency abroad, like needing to go to hospital or losing your baggage, taking out insurance could protect you and potentially save you huge sums of cash.

Here we review Go Walkabout’s travel insurance deals, explaining what you will be covered for and whether its policies are any good.

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Who is Go Walkabout?

Go Walkabout is a travel insurance company that was founded in 1999 and is mainly aimed at what it calls “independent travellers”.

So whether you’re a gap year kid, you’re going to fruit pick in Australia or taking part in a conservation project, Go Walkabout claims it has the travel insurance for you.

However, it does cater to older travellers too, plus it offers specialist insurance for cruises and sportier holidays, like skiing.

What are my cover options with Go Walkabout?

Go Walkabout has plenty of choice when it comes to travel insurance, which it says is ideal for anyone who loves to travel independently. Here we look at the main policies it offers.

Whether you’re heading to Europe for a city break or you’re flying to see distant family, if you’re only taking the one trip this year, you’ll probably want a single trip deal. Here’s what you’ll get with Go Walkabout:

  • Get covered for up to £5,000 should you need to cancel your trip due to a serious life event. This will cover prepaid costs such as flights and hotels.
  • Up to £10 million in emergency medical expenses.
  • Cover for up to 18 months if you want a long stay or backpacker holiday.
  • Upper age limit of 85. Meanwhile, if you’re over 75 there are restrictions on which countries it will cover you for.
Taking two or more trips this year? Taking out a multi-trip policy should save you money and time, as you won’t need to keep taking out insurance each time you go away. Go Walkabout’s annual cover looks like this:

  • Cover for up to 45 consecutive days away.
  • Get compensation for up to £5,000 if you need to cancel your trip, and you’ve already paid for flights and other prepaid costs.
  • Cover for up to £10 million should you need medical treatment abroad.
  • Upper age limit of 85, with restrictions on where over 75s can travel.

Heading off on a luxury cruise this year? A standard travel insurance policy most likely won’t cover you for some of the problems that can arise from a cruise holiday. Here are the key features of Go Walkabout’s deal:

  • Can only take out this add-on with Bronze, Silver or Gold multi-trip policies.
  • Will compensate you if you are confined to your cabin due to illness.
  • Will compensate if there is an itinerary change because your ship can’t berth at a port, perhaps due to poor weather.
  • Will compensate if you or your partner can’t do pre-paid excursions due to illness or injury.

Hitting the slopes this year? Whether you’re a first timer or a seasoned pro, hitting the mountains is always exhilarating. However, it comes with a fair amount of risk, which is reflected in the fact you will probably have to buy an extra layer of insurance. Go Walkabout’s policy offers the following:

  • Will cover you for any medical fees should you suffer an injury or illness while away.
  • Up to £400 compensation if your winter sports equipment is lost, damaged or stolen.
  • Up to £250 compensation if you lose your ski pack due to injury or illness.
  • Up to £250 cover if the piste is closed due to adverse weather, or £150 if it’s because of an avalanche.
  • Will reimburse ski pass and ski school fees if there’s not enough snow.

Heading abroad to work for a year or two? From teaching tennis in the US to becoming a farmhand in Australia, this type of cover will protect you whether you’re doing paid or voluntary work abroad. Find out exactly what Go Walkabout offers below:

  • Its standard insurance policy will cover you for jobs like teaching or bar work.
  • It offers 3 levels of extra protection for riskier jobs though.
  • Cover for up to 2 years away.
  • 2 return trips to the UK for a maximum of 21 days each allowed, or pay more and get 4 journeys home.

Many insurers don’t offer one-way travel insurance, with most policies requiring you to start and end your trip in the UK. However, Go Walkabout offers this specialist policy if you are emigrating or unsure when you’ll come home. Check out its Emigration Gold and Emigration Silver policies, but here’s a breakdown of what you can expect with Gold:

  • Protection for up to 31 days once you arrive in your destination country.
  • However, you can get cover for up to 186 days if you want to travel a bit first.
  • Protection for up to £3,000 if you need to cancel your trip due to a sudden and serious event in your life.
  • Protection for up to £1,500 if your personal belongings go missing or are stolen.
  • Emergency medical treatment covered for up to £10 million.

What level of cover can I get?

When we talk about levels of cover we’re looking at what level of protection you are going to get.

It’s a bit like buying a train ticket, where you have standard seats or first class seats. However, instead of buying an expensive ticket for a comfier ride, you’re paying extra so you are able to claim in more situations – for more money.

Go Walkabout travel insurance provides several levels of cover, which are split by the type of policy you’re after.

For example, if you’re looking for single-trip cover then the levels of cover are:

  • First Class
  • Economy 500
  • Traveller Plus
  • Traveller

Should you be looking to get multi-trip insurance then the levels of cover on offer are:

  • Gold
  • Silver
  • Bronze

Meanwhile if you want one-way travel insurance then you have a choice of either Emigration Gold or Silver. With a Working Holiday Policy there is just one basic level of protection, although you will have to pay a higher premium for riskier jobs.

Take a look at the policy details for First Class, Economy 500, Traveller Plus and Traveller below:

Cover benefitsTravellerTraveller PlusEconomy 500First Class
Cancellation£1,000£2,500£3,000£5,000
Emergency medical treatment£5,000,000£10,000,000£5,000,000£10,000,000
Hospital benefit£20/£200£30/£300
Personal accident
Loss of baggage£500£1,000£500£1,500
Personal money£500£250£500
Passport and travel documents£200£250£250
Delayed departure£20/£300£50/£250
Cancellation of trip after 12-hour delay£2,500£5,000
Missed departure£1,000£1,000
Personal liability per policy£2,000,000£2,000,000£1,000,000£2,000,000
Legal protection per policy£5,000£25,000£10,000£25,000
End supplier failure£3,000£3,000£3,000£5,000
Winter sports coverOptionalOptionalOptionalOptional
Business cover
Golf coverIncludedIncludedIncludedIncluded
Cruise cover

How much is my excess?

Your excess is the amount of money you have to pay towards a claim before your insurer starts shelling out.

How much you have to contribute will depend on the type of claim you make. Your excess for a lost item claim could be different from one for medical expenses, for instance.

It’s always a good idea to scan your policy handbook for a full list of excess costs.

What’s the claims process for Go Walkabout?

If you need emergency medical assistance while abroad or if you need to curtail your holiday call the Emergency Assistance Facilities 24-hour Emergency helpline on +44 (0) 1732 853 333 or +44 (0) 203 829 6745.

Or email the team at operations@emergencyassistance.co.uk. Whichever option you go for, do it as quickly as possible.

Should your claim not be an emergency, then you can download a claims form on the Go Walkabout website, just head to the “making a claim section”.

Or you can call the Travel Claims facilities on +44 (0) 203 829 6761 during normal working hours, Monday to Friday.

When you contact Go Walkabout, you should provide all the documentation possible. This might be:

  • Police reports.
  • Medical reports.
  • Details about your doctor and foreign treatment centre.
  • Contact information for your GP in the UK.
  • Photos of your personal items that have gone missing or are damaged.
  • Any notes that are relevant to your claim.

Go Walkabout pros and cons

Pros

  • Plenty of coverage options.
  • Ideal for a long stay or one-way travels.
  • Sizeable medical protection.
  • 24/7 medical emergency helpline.

Cons

  • Upper age limit.
  • Other annual policies offer more consecutive days away.

*Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.

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