What is a backpacker travel insurance? Backpacker travel insurance isn't the same as annual holiday insurance, This is mistake numerous young travelers make when purchasing insurance. There's such a thing as an average backpacker. If you are planning on travelling for long periods of time annual holiday insurance typically doesn't cover your stay out of the country for significantly more than some weeks at a time : http://www.youtube.com/watch?v=ImxNaZXqHbM .