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This is perhaps the most important purchase of your trip. It may not be as exciting as the project you are going to work on, or the white-water rafting expedition you are going to do after you have finished, but I can assure you, if things go wrong, you’ll be glad you got it right.[read more] This is perhaps the most important purchase of your trip. It may not be as exciting as the project you are going to work on, or the white-water rafting expedition you are going to do after you have finished, but I can assure you, if things go wrong, you’ll be glad you got it right.
We know that you don’t want to think about the worse-case scenario now, but a few hours doing the research will mean saving you time, money and stress in the long term.
Tip 1 Emergency Medical Expenses covers Emergency treatment and to get you home if necessary. Make sure you have this cover, if nothing else.
Tip 2 If you have a medical condition(s) do tell the Insurance Company, they may decline any claim if you don’t.
Tip 3 Check the amount insured for Cancellation is enough, some Gap Year trips can cost a lot more than the cover provides.
Tip 4 Check you have cover for an Airline going bust and if the Foreign Commonwealth Office warn travellers to not go to a country.
Tip 5 Get a policy that provides Personal Liability cover, just in case you accidentally harm someone or something and make sure it does not exclude a harming a travelling companion under the Personal liability section and also that it does cover trip accommodation.
Tip 6 Get Backpacker insurance that covers working/volunteering and watch the small print as some will cover working but not if being paid, and some cover work but exclude many types of jobs.
Tip 7 Pick the highest grouping of the sports or activity you think you might do or choice a Backpacker Insurance that covers all unplanned sports and activities.
Tip 8 Check how much kit you’ve got, and then check the cover provided under personal effects, many items can be excluded especially electrical items e.g. laptops, camera’s etc.
Tip 9 Buy Backpacker Insurance when you book your flight/trip so you are immediately covered if you have to cancel due to illness.
Tip 10 Take two copies of your insurance documents. Leave one at home, take one with you and maybe scan into an internet document safe.
Tip Plus one! For parents A family annual multi-trip policy is for short trips, usually holidays and under 31 days any one time, children have to be under 18 and many have travel restrictions.
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Always read the small print Find a company that specialises in your kind of travel Ask questions - you need to know and understand your policy and what's covered |