A simples guide

Gap Year Travel Insurance

If you’re thinking about taking a year out between studies, or before entering the scary world of work, you’re no doubt very excited and probably a little daunted - there’s a lot to think about.

Where are you going to go? What are you going to see? What do you need to buy? When considering the latter, one of the first things on your list should be gap year travel insurance.  

So what exactly is gap year insurance?

Gap year travel insurance is one of the most important purchases to make before leaving the country – regardless of whether you’ll be volunteering, doing conservation work, or country hopping for your 12 month jaunt.

Fingers crossed you won’t need to use it. But if anything unexpected does happen, it can save you a lot of hassle and a whole lot of money – and we’re talking hundreds, maybe thousands of pounds here, not a few pence.

Travel insurance for gap year students differs from multi-trip insurance, in that it provides continuous cover for the entire duration of your trip. A multi-trip policy on the other hand, covers you for a whole 12 months, but with a cap of 30-60 days on each individual trip. With continuous gap year travel insurance, you can move freely from one country to another, safe in the knowledge that you and your possessions are protected.

New zealand
tourists backpack

What’s the best gap year insurance to choose?

Student gap year travel insurance policies vary from provider to provider. But to give you an idea, comprehensive gap year insurance should cover the following:

- Emergency medical costs, such as hospital charges,   medicine or ambulance fees
- Access to 24-hour emergency assistance
- Personal liability cover in case you’re sued for   causing injury to someone or damaging someone’s   property
- Lost and stolen possessions cover
- Cancellation and curtailment cover
- Cover for activities that are commonly excluded from standard policies, such as jet skiing

Following on from the last point, bear in mind that some risky sports and activities won’t be covered under a standard gap year insurance policy. If you’re an adrenaline junkie, you’ll need to make sure the activities you’re planning to do are covered, and check any excess restrictions before handing over your credit card.

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Can you get gap year insurance with pre-existing conditions? 

When applying for travel insurance for your gap year, we’d advise you to tell your insurer about any pre-existing medical conditions you may have. You may have to pay extra to include it on your policy, but this is much better than hiding it and being refused a payout later, isn’t it?

Contrary to popular belief, disclosing details of a pre-existing medical conditions won’t blacklist you from getting travel insurance. There are plenty of providers out there who’ll cover a range of illnesses, from diabetes to arthritis.

What else should I consider when taking out gap year insurance?

If there’s a chance you may decide to extend your trip while you’re away, then opt for a longer duration of cover, or at least a policy that allows a delay to your return date. Similarly, if you think you’ll need to return to the UK during your trip, make sure your policy permits it - the vast majority don’t. You don’t want to get stranded abroad if you need to get back to the UK in a hurry.

Why choose comparethemarket.com?

You don’t want to go away worrying about your luggage getting stolen, or catching a tropical disease. Using our comparison service, you can compare a range of gap year insurance quotes from top providers, and find a deal that’s right for you. And if you buy your travel insurance policy through us, you’ll benefit from our Meerkat Movies offer: 2 for 1 cinema tickets on Tuesdays or Wednesdays, every week for a whole year*. A great reason to choose us for your gap year holiday insurance. Have a great trip!