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- Student Gap Insurance is affordable and competitively priced for UK residents living in and travelling from UK, and must be taken out BEFORE departure.
- Pre-existing conditions are not covered. With a pre-existing condition the insurance is still effective in all respects except that any loss related to the condition is not covered.
- Student Gap Long Stay Insurance is for persons aged over 16 and under 40 at the trip start date.
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| | Get a Student Gap Backpackers Quote - for UK residents: |
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For certain popular adventure sports, please refer to delails of cover: Altitude Trekking BMX Biking Kitesurfing Mountain Biking Paragliding Scuba Diving Skydiving River Rafting Windsurfing Winter Sports
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| | Australia, New Zealand, South East Asia - Student Gap stopover allowance |
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Travel to Australia, New Zealand and South East Asia: Our Area 2 is to travel to "Australia and New Zealand", as a final destination. Special rates apply for long stay travel to Australia and New Zealand with an allowance to stopover elsewhere worldwide. For example, the allowance is 36 days stopover during a 12 month trip. This is specially designed to give reasonable time for visiting South East Asia, on the outward or return leg to Australia or New Zealand, or split between both.
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| | Student Gap Special Offer: on Area 2, Australia and New Zealand |
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Travel duration of 13 months for the price of 12 : When you slect Area 2 Australia and New Zealand, you can also select 13 months, and the cost is the same as for 12 months, and INCLUDES a total stopover allowance of 39 days to stay elsewhere worldwide, either on outward or return leg to Australia or New Zealand, or split between both.
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| | Return booking and extending cover while you are away: |
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You do not necessarily have to have booked your return travel arrangements before taking out the insurance, but you are expected to plan to return home by the expiry date. You can extend the period of cover whilst you are away, up to 12 months, and possibly longer, by applying to us by email for the extension BEFORE the expiry of the original period. We regret that if you have already made a claim, or a claim is pending, an extension in not permitted. An extension over 12 months is not quananteed, however for it to be considered favourably you should be genuinely tavelling with a definite return date, not just staying in the same place for longer.
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ACTIVITIES
Adventure Sports Over 100 holiday activities, adventure sports and some extreme sportsare covered at no extra charge, with no time limit on 'safe and normal' participation. All the types of travel insurance include cover for such sports as: Skydiving, Hang-gliding, Bungee Jumping, Mountain Biking, White Water Rafting, High-Altitude Trekking, Snow Skiing, Snowboarding + many others; to amateur competition level. For full details please access the Sports & Activities link or popular sports links opposite.
Sports, activities and work : are divided into categories in the Schedule of Activities: (1) Holiday, (2) Work, (3) Winter Sports, (4) Medium Risk and (5) High Risk. As there is no extra charge, for more dangerous activities in categories (4) and (5) higher medical excess amounts apply, and there are some restrictions on cover. See our Schedule of Activities for details, via the sports & activities link or select links for specific activities.
Winter Sports Winter Sports activities are included at no extra charge within our High Risk category of activities, which provides cover for medical and repatriation costs.
Altitude Trekking : UK insurers cover altitude trekking to maximum altitude of 4000m. Cover for trekking at altitudes over 4000m may be given on application to us for referral to UK insurers.
University or work overseas : Temporary returns home between terms of education, or as a planned part of an overall trip, are permitted; during a temporary return
cover is suspended whilst you are in
your Home Country, and for further travel Abroad there will be no cover under
policy Sections (E) Travel Delay, (F) Baggage Delay, (G) Missed Departure, and (0) Cancellation. The most important aspect of cover; (A) Medical and Repatriation comes into effect again after departure from you home county. Please let us know prior to taking out the insurance if you plan to return home for more than one month at any one time during the period of insuance.
Insurance with UK insurers is insured with Groupama Insurance Company Limited, www.groupama.co.uk, a respected insurer worldwide; a member of the Association of British Insurers. All companies for this insurance are authorised and regulated by the UK Financial Services Authority.
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Insurance with World Nomads: we have teamed up with World Nomads to offer travel insurance underwritten by some of the world’s most respected insurers (regulated in their respective countries). World Nomads is designed for adventurous travellers, offering simple and flexible coverage worldwide.
Adventure Activities: cover for adventure activities including snow skiing, snow boarding and many other holiday activities is covered at no extra cost. Some activities have specific restrictions and vary by country of residence, so check the policy wording for exact details. Paragliding and skydiving are NOT included.
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Insurance in US$ : is insured with Virginia Surety Insurance Company, a U.S. company rated A Excellent by A.M. Best Company, and regulated in USA. Instant online cover is though our link with leading US Travel Medical Insurance provider, Seven Corners Inc.
'Hazardous Sports' Coverage : Additional 15% is charged optionally to cover non-competitive: motorcycle/motor scooter riding, hang gliding and paragliding, parachuting (including skydiving), bungee jumping, water skiing, snow skiing, snowmobiling, and snow boarding.
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