Getting the proper insurance is important for when taking a traditional gap-year. You can take out a good year or nine-month policy that will be specifically tailored to backpacker’s needs.
It’s important to take out comprehensive travel insurance, however long you are travelling for, and to check that it covers you for everything that you want to do while you are away. Should something go wrong while you are overseas, costs can quickly escalate with average prices ranging from £15,000 to over £100,000 (in Europe and America respectively) for treatment and re-scheduled flights back home.
As a backpacker your luggage is probably only going to consist of a rucksack with a few clothes in it, so most policies don’t insure your luggage for a huge amount. However, the medical cover that you receive is the most important part as you may be travelling in developing countries where the medical services are not up to western standards.
It is worth noting that even in developed countries, health services work differently and you may have to pay more for certain things. Medical treatment is very expensive wherever you are, and if something really drastic happened to you whilst you were abroad, the costs could be astronomical. Most gap-year insurance packages cover repatriation costs, meaning that they would pay for you to be flown home if you were seriously ill. Some will cover the cost of having a family member flown out to you in an emergency.
It is therefore vitally important that when you take out a policy for your gap-year that you are covered for most eventualities so that you have peace of mind to really enjoy your year out.
There is more information about insurance services in the gap-year guidebook, but try the search box below for companies who will make sure you have everything covered.