Gap Year Travel Insurance
Get cover for your gap year adventure.
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This content is for UK travellers. Our policies are designed so that you can explore your boundaries with confidence. If you think you might do more adventurous activities along the way or need more coverage, then make sure you choose the right level of cover to match, otherwise you may have to buy a whole new policy when you’re on the road if your plans change.
Gap Year travel insurance: What's covered?
We know many of our gap year travellers aim to do some volunteering or work along the way to help extend their trip. As long as you select the right policy and coverage, you can do that bar work in Australia or help build water wells in Africa without voiding your insurance. Whatever your gap year looks like, World Nomads travel insurance offers 24/7 Worldwide assistance and can help cover your:
- Overseas medical expenses
- Cancellation
- Expenses
- Luggage
There are of course terms and conditions around the limits and conditions of coverage. It's a good idea to read the policy wording before you buy so you know how you're covered.
What you’re not covered for
There’s a number of exclusions so make sure you read your policy and know what you aren’t covered for. Common things we won’t cover include:
- Engaging in any illegal activities (coverage will not be provided for such actions);
- Alcohol and/or drug abuse or alcohol and/or drug dependency;
- Deliberate, wilful or reckless behaviour;
- Non-emergency medical treatment that can wait until you return home (it's not health insurance, it's for travel emergencies)
- Pre-existing medical conditions
- Ongoing treatment at home
This is not a full list of what's not covered. Be sure to read the exclusions and terms of coverage.
Returning home early?
Gap year travellers often find their plans change frequently as they explore overseas with no strict itinerary. You must be aware that if you decide to come home early, there are no partial refunds for the time you didn’t use.
Cut off by a dog.
I was cut off by a dog whilst riding a push bike. Subsequent to my initial consultation with the Doctor I was referred to Hospital where I received surgery for my fractured foot and had my hand placed in a cast. I received assistance from specialty assist for my hospital bills and repatriation.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Protect your trip from unexpected cancellation.
- Explorer Plan: £5,000
- Standard Plan: £3,000
Trip Protection
- Come to a sticky end?
- Called to jury duty?
- Been made redundant?
We’ve got your back.
Emergency Abroad Medical Expenses
Take the pain out of medical costs while traveling abroad.
- Explorer Plan: £10 million
- Standard Plan: £5 million
Emergency Medical Insurance
- Need drugs?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transport
Expenses included in Emergency Medical limits.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- You or a family member dead?
Help starts here.
Protect your gear
Cover your lost, stolen or damaged gear and tech.
- Explorer Plan: £3,000
- Standard Plan: £1,500
Protect your gear
- Luggage lost?
- Luggage lost?
- Tech trashed?
Help starts here.
- Emergency Medical Expenses
- Baggage & Personal Belongings
- Cancellation
- Trip Curtailment
- Personal Accident
- Loss of Passport or travel documents
- Personal Liability
- Legal Expenses (Personal Liability)
You are not eligible to buy a policy if you travel against medical advice, travel with the intention of receiving medical treatment, or have a terminal illness. World Nomads policies cannot cover claims due to Pre-Existing Medical Conditions (PEMC), regardless of whether the condition is serious or not. You can still purchase a World Nomads policy, but the PEMC exclusion cannot be removed, and you will be responsible for any related costs.
For information on travel insurance providers that offer cover on PEMC, visit Money Helper or call 0800 138 7777.
24/7 Emergency Medical Assistance
If you need medical assistance or emergency medical evacuation our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Wherever you are, we’re here 24/7 to help you in any emergency.
Are you in need of Emergency Medical Assistance right now?
For policies purchased on or after 27 June 2024
+44 (0) 144 444 2021 (Call via an operator reverse charges. Not toll free.)
For policies purchased before 27 June 2024:
Phone: +44 (0) 203 093 1750 (Call via an operator reverse charges. Not toll free.)
