Everywhen (formerly Towergate)
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Everywhen (formerly operating as Towergate) is a UK travel insurer specializing in gap year and Working Holiday visa coverage. Their backpacker policies extend up to 18 months, and the standard medical emergency cover of £15 million provides substantial protection for serious incidents. Everywhen's long history in the UK backpacker market means they understand the typical needs of working holiday travelers.
Everywhen is best for UK and European citizens planning extended Working Holiday stays who want an insurer familiar with their home market. The 18-month policy length and high medical limit suit longer gap year adventures, while the backpacker focus means coverage for activities and situations beyond traditional travel insurance.