Student gap year travel insurance

If you’re planning a gap year, the last thing you’ll want to be worrying about is travel insurance. But just a few minutes of your time could be very well spent in finding a policy that could cover you should anything happen while you’re away. 

Here’s what you should know about getting the right cover before your backpacking adventures begin. 

If you’re planning a gap year, the last thing you’ll want to be worrying about is travel insurance. But just a few minutes of your time could be very well spent in finding a policy that could cover you should anything happen while you’re away. 

Here’s what you should know about getting the right cover before your backpacking adventures begin. 

Josh Daniels
From the Travel team
5
minute read
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Posted 15 JANUARY 2021

What is gap year insurance?

Unlike standard or even annual travel insurance, gap year insurance (also known as backpacker insurance) is geared towards covering you for longer periods of time. Typical features may include cover for:

  • From 12 up to 18 months cover
  • over 60 consecutive days away
  • travel to multiple countries
  • if you need to return home, then go abroad again
  • working holidays during your gap year
  • certain extreme sports and adventure activities

Policies vary between insurance providers, so always check exactly what they cover before committing to one. 

CORONAVIRUS UPDATE 

The travel traffic light system currently states that trips to green and amber listed countries are legally permitted if you live in England and Scotland. If you live in Wales and Northern Ireland, you still need to follow the rules for your relevant government.

Please note: from 4am on 4 October 2021, the current traffic light system will be replaced by a single red list of countries.

Currently, if your destination of choice is on the green or amber list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you are aware of any specific requirements relating to entry and ensure travellers from the UK are permitted. Countries can have their traffic light status changed with short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

The FCDO currently advises against all but essential travel to red list countries. Most insurance policies purchased to cover a trip to a destination where the FCDO has instructed citizens not to travel to won’t be valid, however, some insurance providers may offer reduced cover if you’re travelling for essential purposes. Should you have any queries, please check the policy wording, or contact your chosen provider before purchasing, to ensure the cover meets your needs.

Travel within England, Scotland and Wales is permitted under the current guidelines. However, public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. Check the latest guidance from the official tourism boards for England, Scotland, Wales and Northern Ireland respectively.

Find out more here

Customers with more serious pre-existing medical conditions

When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions. 

MoneyHelper has launched a directory of insurance providers who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at MoneyHelper or by calling them on 0800 138 7777.

Why would I need gap year insurance?

As with all good standard travel insurance policies, gap year insurance could cover:

  • medical expenses – if you have an accident or fall ill and need medical treatment. Be aware, some public hospitals in far flung places can be pretty basic. Gap year insurance could cover the costs of private treatment if it’s medically necessary, and even repatriation if you need to be flown home in case of an emergency. Consider the cost of medical treatment abroad such as £60,000 to treat a road accident injury in El Salvador, and £136,000 for complications following an insect bite in Chile. Having the right travel insurance to cover costs such as these could give you and your family back home peace of mind should the worst happen
  • cancellation and delays – this could cover the costs of your trip if it’s cancelled or cut short. Plus, expenses if your flight is delayed and it’s not the airline’s fault. Read the conditions carefully as insurance providers will only cover what they consider valid reasons for cancellation or delays  
  • personal liability – this may cover the cost of any damage or injury you unwittingly cause while you’re away
  • lost luggage – could also cover the cost of your mobile phone if it gets damaged or stolen. Make sure the cover amount is enough to replace anything of worth that you’re taking with you

Do I need travel insurance if I’m travelling around Europe?

If you’re heading off to Europe, you can use your European Health Insurance Card, which will cover emergency medical treatment, just like the NHS. Although, after Brexit, and the UK officially left the EU with a deal in place, you won’t be able to apply for an EHIC anymore. But if you have one already, issued before the end of 2020, then it’ll still be valid until the expiry date.

Because of this, the UK government has introduced a replacement called the Global Health Insurance Card (GHIC). If you don’t have an EHIC, or once yours expires, you can apply for a GHIC here, and it should arrive within 10 days. The GHIC will offer the same cover as the EHIC did in EU countries.

However, the Foreign, Commonwealth and Development Office recommends having travel insurance as well as an EHIC/GHIC card. It is useful, but it won’t cover:

  • treatment if you’re taken to a private hospital
  • repatriation if you need to be flown home
  • mountain rescues

The right gap year insurance policy could also cover these costs. 

What else should I check when buying backpacker insurance?

Standard gap year insurance policies can vary between insurance providers, so always read the fine print carefully. Pay particular attention to:

  • extreme sports – check what sports and activities are included in your policy. You may need extra cover or extreme sports insurance for higher risk activities such as bungee jumping, white water rafting and rock climbing. And even if these are included as standard, there may be conditions
  • return visits home – check to see if your policy will still cover you should you need to return to the UK, then head back off on your travels
  • working abroad – some policies won’t cover manual labour
  • age limits – some backpacker policies have age limits. If you’re an older traveller, look for a policy that covers all age groups
  • travel to the USA, the Caribbean and Canada – medical costs are notoriously expensive in these countries. If they aren’t included in your standard gap year policy, you may need to take out extra cover
  • pre-existing medical conditions – always tell your insurance provider if you have a health condition. Premiums may cost you a little more, but if you’re injured as a result of a pre-existing medical condition and you didn’t disclose it, it could invalidate your entire policy

Travelling tips

  • Depending on your destination, ask your GP whether you need any vaccinations or anti-malaria medication
  • Find out if visas are required for the countries you’re visiting
  • If the Foreign and Commonwealth Office advises against travelling to a specific country, your insurance won’t cover you if you decide to go anyway. Check the Foreign and Commonwealth Office travel advice pages for updated information
  • If you have an accident or are injured and you’re under the influence of alcohol or drugs, your insurance policy will most likely be invalid

For more tips on staying safe during your gap year travels, check out the advice and information on the Foreign and Commonwealth Office website.

Why compare student gap year insurance?

Finding the right policy for you can be time consuming and boring. And while price is an important factor, you need to choose a policy that works for you based on where you’re going, what you’re doing and how long for. 

We can help you find and compare a wide range of gap year insurance policies in a matter of minutes, so you can get on with planning your gap year adventure. 

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