Gap Year Travel Insurance
Are you planning to go on a backpacking trip this year? Or maybe you’re taking a year out to study abroad. If you’re aged between 18 and 45 and are heading away on an adventure of a lifetime then our Gap Year Travel Insurance is specifically designed for you.
Flexicover’s Gap Year policies are able to cover trips of up to 18 months duration and offer aspects such as a 24 hour emergency helpline and emergency medical expenses cover, vital if you’ll be away from home for an extended period.
We also offer you the choice of areas of cover so you can travel to your heart’s content knowing you’re automatically covered for all the countries that you travel to after leaving the UK (although please be aware that some restrictions do apply).
- - Available up to age 45
- - Cover for trips up to 18 months
- - FREE cover for over 120 sporting activities
- - Considerations for all medical conditions
- - Cover for personal money and computer equipment
- - Temporary returns home allowed
How Does My Destination Affect My Travel Insurance Policy?
Our Gap Year travel insurance policies allow for unlimited travel after leaving the UK. However please be aware that you can only travel within the regions that you have taken out your policy for.
We have three areas of travel that are available for Gap Year policies:
- Europe (excludes Morocco, Tunisia & Egypt)
- Worldwide (excluding USA, Canada & the Caribbean)
- Worldwide (including USA, Canada & the Caribbean)
You should pick the area of travel that includes all of the countries that you are travelling to. So if you’re starting your trip somewhere in Europe, and then heading over to the United States, then you should select “Worldwide (including USA, Canada & the Caribbean)” under area of travel.
Where Can I Travel On A Gap Year Policy?
A Gap Year policy allows you to travel anywhere you like within the period of time that your policy is valid for, as long as you have selected the correct area of travel.
With a Gap Year policy you need to make sure that you have selected the correct area of travel, for example, if you are starting your travels in Europe, but are then heading to the United States afterwards, then you would need to select "Worldwide inc. USA, Canada & the Caribbean" as your area of travel.
You can travel to as many countries as you want on your Gap Year policy, and your cover will still remain valid throughout the duration of your trip. You can even make an emergency trip home, for up to 14 days, and your policy will remain valid. Please be aware that we cannot offer cover for countries that the FCO has specifically advised against travelling to. If you are unsure you can visit the FCO website.
When Should I Start My Travel Insurance Policy?
It’s best practice to take out your travel insurance policy as soon as you have booked your trip. We are not able to provide insurance for things that have already happened, so once your dates of travel are confirmed you should arrange your travel insurance policy. For example, if your flight is cancelled between booking your trip and the time that you take out your policy this will mean that you’re not covered.
Key Aspects Of Our Gap Year Travel Insurance
Emergency Medical Assistance
Let’s face it we’re quite spoilt in the UK when it comes to the NHS but as UK citizens abroad, we’re not always entitled to free medical treatment. In fact you may have to pay medical bills in their entirety should you have to seek emergency medical treatment while you’re away. With a Flexicover Travel Insurance policy you’re covered for emergency treatment and there’s an emergency helpline offering support 24/7 too.
Although you never plan for your trip being cancelled, and we hope that it never is, it’s important that you accept that it is a possibility. With a Flexicover Travel Insurance policy we help cover the costs if your trip is cancelled due to unforeseen circumstances. For example if you suddenly fall ill and have to cancel your trip, we can cover some or potentially all of the costs of your flight and accommodation.
This is something that can happen to anyone but with a Flexicover travel insurance policy you can be covered for the contents of your suitcase or carry-on luggage if it‘s stolen or lost in transit. When taking out your travel insurance policy make sure that the level of cover for lost/stolen baggage matches the value of the belongings that you will be taking with you. Plus if you’re packing any valuables make sure they travel in your hand luggage and not the hold.
Imagine that you’re on the trip of a lifetime, and all of a sudden you lose your bank card or money part way through. We offer cover for loss or theft of personal money with our travel insurance policies.
What Cover Level Should I Choose?
We offer varying cover levels, so you can pick the policy that best meets your specific needs.
You can find further details of the levels of cover that we offer below, and the benefits that each level provides. If you are unsure about any of the policy features, or just want further information, the feel free to give our team a call on 0800 093 9495.
Optional Cover Extras
We realise that everyone is different, so on top of our comprehensive cover levels we provide a range of optional extras, from Gadget Cover to Travel Disruption, giving you the opportunity to tailor your policy to your individual needs.
- Gadget Cover
With mobile phones and tablets being an integral part of our everyday lives, the thought of dropping one of them into the pool while you’re away is probably haunting. Not to worry though as you can add our optional Gadget Cover onto your policy to make sure that your precious devices are protected while you’re travelling.
- Business Plus
With our Business Plus travel insurance you can have an additional level of cover if you need to have business documents or specialised equipment insured. You can find further details regarding our Business Plus Insurance in our Policy Details.
- Golf Plus
Wahey! You’ve just scored a hole in one. And now you have to buy everyone at the golf club a round… or do you? With Flexicover Golf Plus insurance if you manage to make that winning shot then the drinks are on us. Even if you don’t make that winning shot, we’ll still include cover for any damaged equipment that might occur while you’re on your golfing trip.
- Winter Sports
Are you going on a skiing or snowboarding trip this year? You can add our Winter Sports Travel Insurance onto your Gap Year policy. You’re covered for a number of winter sports activities such as on-piste and off-piste skiing, snowboarding and snowmobiling. Cover for damaged ski equipment is also included. You can find details of everything that is covered in our Policy Wording.
- Weddings/Civil Partnerships
It’s your special day and maybe you’re lucky enough to be getting married in some exotic location. With a wedding abroad there are still things that can go wrong, but don’t worry, we’re here to help! We offer travel insurance that covers your attire such as suits and dresses, as well as the all-important wedding rings. You can find a full list of everything that is covered on our policy details page.
- Travel Disruption Cover
As much as we hope that your travels always go smoothly, sometimes everything goes wrong at once. With Flexicover Travel Disruption Cover you can be covered for any substitute accommodation that is needed, or alternative transport arrangements.
Travelling With A Pre-Existing Medical Condition
What Is A Pre-Existing Medical Condition?
A pre-existing medical condition is any condition that you have had prior to taking out a travel insurance policy with us. It’s important that you inform us of any and all conditions as we need this information so we can provide effective support should you fall ill while you’re away and to accurately calculate your premium. For some minor conditions the cost of your premium won’t increase but we still need to know all this information to safely assess your cover.
Cover for emergency medical treatment is included as part of our travel insurance policies but we can’t cover you for conditions that you neglect to inform us about. If you need to make a claim relating to a condition that hasn’t been declared then you could face having to pay these medical bills in their entirety.
For those with pre-existing medical conditions we’ve made obtaining travel insurance as easy as possible with our specialist medical screening process which is available both online and over the phone. You’ll be asked a few simple questions regarding the nature of your condition and you’ll receive your cover within minutes.
If you have any questions at all then please feel free to give our friendly team a call on 0800 093 9495 and they’ll be happy to help you through the process.
Frequently Asked Questions About Our Travel Insurance
- Why do I need to declare my medical conditions each time I take out a travel insurance policy?
Cover for your medical conditions expires when your travel insurance policy expires, so you will need to re-declare your conditions each time that you take out a new policy. As there may have been changes in your medical conditions between the two policies we would need to know this information to calculate your new premium and to make sure we have the most up to date information on file.
- Do I Need an EHIC if I’m travelling to Europe?
The EHIC (European Health Insurance Card) is an essential item for anyone travelling to Europe as it provides UK residents with access to necessary medical treatment provided by state hospitals in the European Economic Area (EEA) and Switzerland. Also as a valued Flexicover policyholder you will not have to pay any excess if the EHIC is used while you are away (in in a country covered by the scheme). Note that you shouldn’t treat the EHIC as a replacement for a good travel insurance policy as the EHIC will not cover you for other factors such as cancellation, repatriation or loss of baggage.
- Does your travel insurance provide cover for treatment in private medical facilities?
Our travel insurance policies cover treatment for pre-existing medical conditions at state facilities, while treatment at private facilities will only be covered if specifically advised by the medical assistance team.
- Can I add gadget cover onto my travel insurance after my trip has already started?
Unfortunately not. We cannot add gadget cover once your trip has already started, but we may be able to add cover for specific activities, just give us a call to find out.
Have I Picked The Right Travel Insurance Type?
Is Gap Year The Right Policy For You?
Depending on your travel plans it’s possible that Gap Year Travel Insurance is not the best choice for you, but don't worry! We offer a range of travel insurance policies so you can pick the cover that best suits your needs.
If you are only travelling to a single location, and your trip is under 100 days in duration, then our Single Trip Travel Insurance is probably the best choice for you. Our Single Trip policies are available with no upper age limit.
Do you travel to and from the UK multiple times during the year? Then take a look at our Annual Multi-Trip Travel Insurance, you’re covered for all trips made during a one-year period (up to 50 days each).
If you’re planning to visit one location for an extended period (over 100 days), and are aged between 18 and 75, then check out our Long Stay Travel Insurance.
"I have purchased Flexicover travel insurance for several years now and though I have never had the misfortune to actually claim on the insurance its good to have the peace of mind knowing I am covered if a claim ever arises."
Linda, Tyne and Wear
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