Travel Insurance is a Must for Gappers

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With thirty-three students competing for each university place this year, taking a gap year may seem like a better prospect than clearing. But Patrick Chong of InsureMore (http://insuremore.co.uk/) is urging would-be gappers to check that their holiday insurance policy covers all their gap year needs.

Another record year of A-level results has left many high-achievers competing for university places through clearing. But with news that four-fifths of places have now been filled, taking a gap year may seem like a very good idea. However, when planning your gap-year abroad, it is important to take out a travel insurance policy that covers all your travelling needs.

Gap years come in many shapes and sizes and whether you plan on backpacking across Asia, road-tripping through America, or even working with cheetahs in South Africa, it is important that you have a holiday insurance policy that covers you. Many gap year students travelling through the United States don't realise that a lot of annual travel insurance policies don't include cover in America or Canada, due to the astronomical cost of medical bills on the continent. Therefore if you are planning on visiting North America on your gap year you'll need to check that you have a travel insurance policy which includes travel within this destination.

Purchasing an annual holiday insurance policy from the internet may seem like a great idea, and with many companies offering competitive prices for annual cover, it might even seem like you're getting a bargain. However, most annual travel insurance cover is multi-trip, which means that you are only covered for a period of 45 days at a time. Whilst you are allowed unlimited trips of up to 45 days on most of these annual holiday insurance policies, the legal definition of a trip includes a journey to and from a destination. Therefore, gap years for over 45 days in one destination would not be covered and neither would an overland trip travelling across Asia for a period longer than 45 days.

Dangerous sports may be the last thing on your mind when planning your gap-year abroad. However, after a few snakebites in a Sydney hostel, who knows what your contemporaries will manage to talk you into. If bungee jumping is one of them, then it's important to ensure that you're covered by your holiday insurance policy. So even if you're a notorious coward on home soil, you may still want to consider taking out a holiday insurance policy that includes extreme sports whilst on your gap year. After all, who knows where your new-found freedom (or friends) may lead you.

All this may seem like a lot to get your head around, but luckily InsureMore is able to help you. Their easy-to-use website offers flexible travel insurance packages and if you phone them up for a free quote they'll arrange a holiday insurance policy to suit all your gap year needs, whether you decide to take the plunge or not.

About Journeys Travel:
The consumer travel insurance website for Journey's Travel, InsureMore, offers flexible travel insurance (http://insuremore.co.uk/) packages for gap year travellers, students and singles with free cover against acts of terrorism and a quick and easy online claims feature.

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Patrick Chong
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