Promising insurance, could be good (other reviews addressed)

I found the Outbacker customer service to be greatly improved on what others reported three years ago. I had detailed questions about policy wording and the cover for non-standard activities, and had all of these resolved within a week (multiple back and forth of emails and clarification from the underwriters - I'm thorough).

[If anyone is interested, you can get cover for work as a chef and as a backstage crew member in a theatre, only excluding Personal Accident and Personal Liability cover, provided it's not "manual labour" - not hard to avoid by their definition. NOT ALL WORKING HOLIDAY COVER DOES THIS. If yours says 'Restaurant Work', for example, ASK if this includes kitchen.]

I'm happy with the extent of their other cover since I am travelling to Australia/New Zealand, pretty safe places with well equipped public services. The price is good for these places, I suppose because I'm not subsidising private care in riskier destinations (see other review). IF YOU'RE TRAVELLING SOMEWHERE WITH POOR PUBLIC SERVICES, YOU NEED A PREMIUM INSURER who has said that private care will be funded - Outbackers policy wording says that this is not the case (or at least it is phrased in a way that gives them wriggle room).

I am happy that I have a good policy with them given my trip, my destination, and the customer service I have received. Compared to what else is out there at the same price, it's a great policy (others at this price won't cover private either). But it is not right for every traveller or every trip, and I haven't tested claiming, so four stars.