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Gap year travel insurance

Compare gap year travel insurance quotes with theidol.com[1]

Covid-19 (coronavirus) – important information

From 17th May 2021, a travel traffic light system is being introduced and trips to green list countries will be legally permitted if you live in England. Strict border control measures will remain in place for your return to the UK.



Before you buy, you should consider the implications of your destination moving from a green list country to amber or red as you may incur additional costs and/or face travel restrictions that will not be covered by your travel insurance.



The traffic light rules only dictate what you have to do on returning to England – so even if a country is on the green list, you still need to check your destination's entry requirements and the Foreign, Commonwealth & Development Office (FCDO) advice for travelling there. If the Foreign Office has advised against travel to your destination and you still decide to travel, you will not be covered by any travel insurance policy you purchase.



A few insurers do offer cover If you are an essential traveller, however if you are in doubt or have any queries, please check the policy wording, or contact your chosen provider before purchasing.



Until dates have been set to permit non-essential international travel from Scotland, Wales and Northern Ireland it is important that you follow all the rules that apply to your country of residence.

If you’ve just finished your studies, or are taking a career break for an extended holiday, gap year travel insurance is the right kind of cover for your trip.

It's different to annual travel insurance because it provides cover for a longer period of time, usually 12 months. With an annual policy there’s a cap on the number of days you can be away each time, usually 30-60 days.

There’s also additional cover, designed to cover the activities and type of travel that you’ll be doing.

You’ll sometimes hear gap year insurance called ‘backpackers travel insurance’ - it’s the same thing. But all policies are different, regardless of what they’re called, so check the insurance you’re getting is the right cover for you before you buy.

Things to remember:

  1. Vaccinations

    Make sure you’re up to date on vaccinations. You won’t be covered if you get ill when it could’ve been prevented with a vaccination

  2. Do your homework

    Do your homework on the countries you’re travelling to before you head off. Check the Gov.uk website for more information and search by country

  3. Medical cover

    Check the medical cover small print of your policy. Most insurers won’t cover you if your incident is alcohol or drug related

  4. Don't delay

    Get your gap year insurance in place as soon as you book your trip, so you’re covered for cancellation too

  5. Check for exclusions

    Check your policy for restricted countries and exclusion clauses

  6. Contact details

    If your insurer has a 24-hour helpline, keep a note of this number - it’s handy if you’re travelling alone or for the first time

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