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Student Gap Year Travel Insurance Compared

Find the right gap year insurance to cover all your planned travel and activities


Gap Year Travel Insurance

Gap year holidays are not like your average holiday. For a start, most will last a lot longer! For many young people taking time out from student life, a gap year is an opportunity to see as many of the amazing cities and sights of the world as possible. Most gap years are only partly planned. Flexibility and spontaneity are all part of the fun. Therefore you need your gap year travel insurance to work with you.

If you are the kind of person who might make a last minute decision to go windsurfing or abseiling then checking which activities are covered is key. If you are travelling with a group, then a benefit of having the same insurer as your friends is that you will all be covered for the same activities. Noone will be left out! We compare cover for bungee jumping, white water rafting, scuba diving and safaris below.

We also display those insurers that will help if you have a pre existing medical condition. Be open and honest about any medical issues you may have had in the past - not declaring a past medical condition may, in some circumstances, mean your insurance is invalid. If you are the other side of the world and this happens, it can get very expensive - especially for a student!.

We regularly check the details of policies featured on our site but as companies can amend or change details at short notice please double check all the details before purchasing.

CompanyProductOnline DiscountAges CoveredTrip DurationMedical CoverExisting Medical Condition CoverBungee JumpScuba Diving to 30mWhitewater Rafting Grade 1 or 2Safari TripsMore Info
Flexicover Longstay GoldFlexicover Longstay0%18 - 754 months - 12 months£10mOptionalYesYesYesYesFind out more...

Flexicover offer the following discounts, which can be combined:
Sign up for the free Flexicover newsletter before buying your policy and you'll receive a voucher code saving 10%. Travel Companions buying a policy together both save 5%. Maximum Trip periods are reduced for those over 65.

Flexicover Gap Year GoldFlexicover Gap Year0%18 - 451 month - 18 months£10mOptionalYesYesYesYesFind out more...

Product compared is the standard Gap Year policy available through our link - Flexicover also sell less comprehensive policies via other comparison sites. Flexicover offer the following discounts, which can be combined:
Sign up for the free Flexicover newsletter before buying your policy and you'll receive a voucher code saving 10%.
Travel Companions buying a policy together both save 5%.

Post Office BackpackersPost Office Backpackers0%18 - 601 month - 18 months£2mOptionalOptionalYesYesYesFind out more...

Bungee jumping is available upon payment of an additional premium.

Top Dog Gap YearTop Dog Gap Year0%16 - 451 month - 18 months£2.5mOptionalYesYesYesYesFind out more...

Product compared is the standard Gap Year policy available through our link - Top Dog also sell less comprehensive policies via other comparison sites.

Worldwide Insure LongstayWorldwide Insure Longstay 0%0 - 493 months - 18 months£5mNoYesYesYesYesFind out more...

Product compared is the Economy Longstay package

Columbus Direct Globetrotters InsuranceColumbus Direct Globetrotter0%18 - 6560 days - 12 months£1mOptionalYesYesYesYesFind out more...

Use our exclusive link to include a discount.

American Express BackpackersAmerican Express Backpackers20%18 - 493 months - 24 months£10mOptionalOptionalOptionalOptionalOptionalFind out more...

Trips to Europe are covered up to 24 months, those that are worldwide are covered for 12 months with trips home permitted. In addition, scuba diving is covered automatically even if you are unqualified and diving up to 18 metres. Diving any deeper and the other activities can be covered through purchase of the Adventure Sports option. Save 20% by purchasing your policy online.

Gap Year Travel Insurance

If you are taking a year out before taking up your place at University or going out to work, you will be looking for a policy that will offer you the reassurance that you are well covered for any events that might occur while you are away. Given that Gap Year holidays tend to be longer, the chances of something happening are greater. You may have to change your plans and this is where flexibility is important. It is therefore a good idea to ask the following questions when considering your Gap Year travel insurance policy.

Does my Gap Year policy allow me to return home during my trip?

You may not be planning to pop back to the UK during your trip but events can occur which make it necessary. Some policies automatically end immediately when you return to the UK, even if you have bought a policy covering a longer period. Others will allow at least one return visit, sometimes more.

Do you plan on working abroad?

If so, check the policy details carefully to make sure that this is covered. Some policies may not be valid if you are working.

Taking your laptop, jewellery or other valuables with you?

If you are taking any more expensive items with you (such as cameras, laptops, jewellery, tablets or mobile phones) check the policy limit. You may need to get these covered under a specialist gadget insurance policy or perhaps through your Home Insurance. Most gadget insurance policies will enable you to insure a gadget for up to 90 days abroad, but this can increase to an unlimited period (as long as your permanent residence is in the UK) for laptops. Compare gadget insurance here.

This content was last reviewed on 01/08/2017