Gap Year Travel Insurance
Getting the proper insurance is important for when taking a gap year. You can take out a good gap year or nine month policy that will be specifically tailored to backpacker’s needs.
As a backpacker your luggage is probably only going to consist of a rucksack with a few clothes in it, so most policies don’t insure your luggage for a huge amount.
However, the medical cover that you receive is the most important part as you may be travelling in developing countries where the medical services are not up to western standards.
It is worth noting that even in developed countries, health services work differently and you may have to pay more for certain things. Medical treatment is very expensive wherever you are, and if something really drastic happened to you whilst you were abroad, the costs could be astronomical. Most gap year insurance packages cover repatriation costs, meaning that they would pay for you to be flown home if you were seriously ill. Some will cover the cost of having a family member flown out to you in an emergency.
It is therefore vitally important that when you take out a policy for your gap year that you are covered for most eventualities so that you have peace of mind to really enjoy your year out.
Why not check out Navigator Travel Insurance who provide value for money travel insurance for backpackers and travellers.
Gap Year Insurance
Travel insurance designed specifically for gap years.
Great value travel insurance specifically for gap year backpackers and independent travellers.
When taking out insurance we recommend that you ask the following questions about the insurance to ensure that you get the right one:
- How long am I going to be insured for?
- What parts of the world will the insurance policy cover me in?
- What happens if I lose or have my passport stolen or my wallet is stolen?
- What cover do I get if I decide to do an extreme sport and adventure activity?
- What happens if I need to go hospital?
- What happens if I miss my flight?
- What happens if I have to do exam retakes?
- Will I get flown home if I need to?
What the Small Print Really Says
Finally, make sure you read the small print. This may seem like a laborious task but it can pay as there are a few things you should always bear in mind before you hand over your cash:
- If you have an on-going illness like asthma and diabetes, make sure your policy covers them as many don’t.
- On-going medication and vaccinations are usually not covered.
- Dental treatment costs are usually for emergency treatment only.
- If an insurance company says they'll fly you home in a medical emergency, bear in mind that it won't be up to you - the doctors and the insurance companies will decide how serious is.
- If you can wait until you get home to be treated, it's unlikely your cover will cover any costs of treatment you think you might need.
- If you're going to do sports, make sure they're covered - don't just assume. Many companies make you pay extra for adventure sports and activity insurance.
- If you're off your head when you hurt yourself then there's a good chance you'll foot the bill.
- If your airline goes bust you're unlikely to be covered - unless you've got Airline Failure Insurance.
- If you forget to report a theft to the police, you probably won't be covered for the loss.
And don’t forget to take the contact phone number of your insurance company with you in case of emergency. Carry it around with you in your money belt, in your rucksack and in your wallet. Also copy the policy number and any other reference you will need if you have to contact them. Photocopy the insurance documents and take them with you on your travels.