Which policy should I choose?
Unfortunately, we can’t tell you which policy is right for you; it totally depends on your individual trip plans and requirements. However, key things to look at include the amount of cancellation cover (make sure that it is enough to cover the pre-paid costs of your trip just in case you can’t go), personal possessions cover (again is it enough for the things you are bringing? Do you need to add cover for gadgets such as mobiles and tablet computers?) and medical cover (as a rule of thumb you should have at least £5million if travelling worldwide).
For more information on the cover that our policies offer, please click here.
Which sporting activities are not covered as standard?
Please click here for a full list of the activities we cover under our Backpacker and Longstay range. If you don’t see your chosen activity, simply contact our customer service team to see if we can provide cover.
Can I work abroad on my gap year?
Yes, we cover working abroad as standard, as long as you aren’t doing any manual labour, which we define as work involving the lifting or carrying of heavy items in excess of 25Kg, work at a higher level than two storeys or any form of work underground.
Are there countries I should avoid on my gap year?
We wouldn’t advise travelling to anywhere deemed unsafe by the FCO – visit our dedicated FCO Travel Aware page to check the status of your destination.
What if I return home and then leave again within the 24 months of my policy?
That’s not a problem; we allow two trips back to the UK, up to 21 days each, without breaking your cover. You don’t need to let us know when you take these trips, as your cover will simply pause when you arrive back in the UK and re-start when you depart again. As long as each trip is less than 21 days your cover will not be affected, so you can make sure you don’t miss Christmas, your Mum’s birthday or any other important events.