Before jetting off on a gap year, you need travel insurance that keeps your belongings safe and you safe too! Longstay travel insurance is designed to cover trips that last between 2 and 18 months (if you go for a shorter length of time you will be fine with normal holiday travel insurance), and includes everything you’d expect: health cover, financial assistance if your possessions get stolen, lost baggage insurance.
Last time I went on a long trip I didn’t need to use my longstay travel insurance – and let’s face it, who wants to end up in a situation where they have to make a claim on holiday? – but it’s always good to know you’ve got it. Particularly when you’re trekking around Central Asia with your worldly belongings in a backpack. I wouldn’t fancy injuring myself in that kind of climate without an insurance policy that could get me home in a hurry.
Most longstay travel insurance will cover you for multiple countries as standard – but as ever it’s important to check. Find out what your policy doesn’t cover you for as well as what it does – the exclusions, as they’re called, are where you can run into trouble just when you need help the most.
Always talk to your agent in detail about your plans before you decide to buy: and remember to shop around before making your final decision. If you’d like any help or advice on the best policy for your needs, you can contact Worldwide Insure anytime.