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Worldwide Gap Year & Backpacker Travel Insurance

Choose from three backpacking & gap year insurance policies from £235 for 12 months.

Real Gap Experience has negotiated special rates to bring you excellent gap year travel insurance for residents of the UK and Ireland. A Real Gap insurance policy will help you enjoy your backpacking, gap year or working holiday, secure in the knowledge that you have the protection you need.

If you are shopping around for gap year insurance policies, be sure they include protection if you are going to work abroad. Most do not! Real Gap insurance cover does!

Our gap year & backpacking insurance policies are valid in any country of the world and many sporting activities are covered.

Click here for price schedule from 1 month to 18 months

'Gap Policy' Value protection for the average traveller aged 18-35.

'Adventure Policy' For the more adventurous traveller, available to under 66’s.

'Explorer Policy'
Designed for people who would like extra cover available to under 66’s
SUMMARY OF COVER ONLY
  EXPLORER ADVENTURE GAP  
Policy Section Maximum Benefit Maximum Benefit Maximum Benefit Excess
A. Cancellation or Curtailment £3,000 £3,000 £1,000 £75
B. Emergency medical expenses £2,000,000 £2,000,000 £1,000,000 £75
Emergency Dental Treatment £250 £250 not covered Nil
Getting someone out to you reasonable additional cost reasonable additional cost reasonable additional cost Nil
Funeral Coasts Abroad £2,000 £2,000 £2,000 Nil
Search and Rescue £5,000 £5,000 £5,000 Nil
C. Personal Accident £15,000 (Death £5,000) £10,000 (Death £5,000) not covered Nil
D. Missed Departure £250 £250 £250 £75
E. Personal Baggage £1,500 £1,500 £500 £75
Single Article limit £200 £200 £200  
Valuable limit £250 £250 £150  
F. Personal Money £200 £200 not covered £75
Loss of Travel Documents £250 £250 £150 £75
G. Personal Liability £1,000,000 £1,000,000 £1,000,000 £250
H. Legal advice and expenses £10,000 £10,000 not covered £250

Real gap are not allowed under the FSA Rules to offer advice as to which insurance you should buy. It is therefore important that you check the levels of cover and read the cover provided to ensure that it meets your individual needs (including cover for activities you may want to do on the trip). For full details of the cover provided click here for the Key Facts document and full Policy wording. Please note the need to declare any pre-existing medical conditions not only of yourself but also of anyone on whom the travel plans depend. That may include the health of a relative if that person’s pre-existing medical condition may mean you have to cancel or curtail your trip. If you do not declare that condition no cover will apply for any claim resulting.

SPORTING ACTIVITY COVER

If You are taking part in any activity not listed please contact us to ensure You are covered or to see if We can provide cover. SPORTING ACTIVITY COVER means in respect of each Insured Person, the following activities (but is not a comprehensive list) are covered during the Period of Insurance on a non professional (amateur) and recreational basis only, and where necessary you must ensure adequately supervised and appropriate safety equipment and/or clothing are worn at all times: Abseiling (adequately supervised Excludes Personal Accident Cover), Activity Centre Holidays (adequately supervised), Aerobics, Angling, Archery (Excludes Personal Liability Cover), Athletics, Badminton, Banana Boating (licensed organiser, Excludes Personal Accident and Personal liability cover), Baseball, Basketball, Beach Games, BMX Biking (no stunting or racing, Excludes Personal Accident and Personal Liability cover), Bowls, Bungee Jumping (no personal accident cover), Camping, Canoeing (up to grade 3, no open water/sea or slalom), Casual work including Manual Labour (Excludes Personal Accident and Personal Liability cover), Clay pigeon shooting (Excludes Personal Liability Cover), Climbing wall (adequately supervised), Cricket (amateur, includes including indoor cricket), Curling, Cycling (including mountain biking on mountain paths and roads, appropriate safety equipment/headgear to be worn, no competitions, no extreme mountain biking, no racing (Excludes Personal Liability cover), Cycle Touring (Excludes Personal Liability Cover), Dance (amateur only), Darts, Deep sea fishing (inside coastal waters within 12 miles of coastline, not commercial or competition), Dinghy Sailing. Elephant Trekking, Farm Holidays, Fell walking, Fencing, Fishing (angling), Fitness training, Football (amateur only and not main purpose of Trip, Excludes Personal Accident and Personal Liability cover), Frisbee, Go carting (Excludes Personal Liability cover) Golf (Excludes Personal Liability Cover), Hiking and/or Trekking up to 2,500 metres, Hill walking, Hockey (field only), Horse riding and or trekking (casual riding, protective head gear to be worn, excluding jumping trials, jumping, hunting, and competitive riding), Hot air ballooning (as a passenger only, and only as day excursion), Ice skating, Jet skiing (no personal liability cover), Jogging, Kayaking (up to grade 3), Lacross), Keep fit training, Kite flying (traditional), Marathon running (amateur), Netball, Orienteering, Quad biking (Excludes Personal Accident and Personal Liability cover), Paint balling, Parapending (behind motorised vehicle, Excludes Personal Accident and Personal Liability cover), Parascending over water (licensed orgainser), Passenger light aircraft/helicopter (passenger only, licensed passenger carrier), Pony trekking, Power boating (passenger only, Excludes Personal Accident cover), Racquet ball, Rambling, Road running, Roller blading, Roller skating, Rounders, Rowing, Running (amateur), Safaris in motor vehicles or on foot organised tour only (no guns), Sail boarding (Excludes Personal Liability cover), Sailing (inshore/ coastal waters – within 12 miles of coastline, Excludes Personal Liability cover), Scuba diving to 30 metres (PADI qualified or diving with qualified instructor, no solo diving, no shooting), Skateboarding, Skating, Snooker, Snorkelling, Squash, Surfing, Table tennis, Ten pin bowling, Tennis, Trekking and/or Hiking up to 2,500 metres, Trampolining, Tug of war, Volleyball (beach), Wake boarding (excluding jumping, competitions, Excludes personal liability cover), Walking, Water polo, Water skiing (excluding jumping, competitions, Excludes Personal Liability cover), Weight training, White water rafting (up to grade 3), Windsurfing (within 12 miles of coastline), Yachting (inshore / coastal waters - within 12 mile of coastline, Excludes Personal Liability cover), Zip climbing (Excludes Personal Liability cover), Zip wiring (Excludes Personal Liability cover). Additional Sporting Activity cover for Explorer and Adventure. Gliding (Excludes Personal Liability and Personal Accident cover) Martial Arts and Martial Arts training (Excludes Personal Liability and Personal Accident cover) Parachuting (Excludes Personal Liability and Personal Accident cover) Sky diving (Excludes Personal Liability and Personal Accident cover) Trekking and/or Hiking up to 6,000 metres (Excludes Personal Liability and Personal Accident cover over 2,500 metres) White water rafting/kayaking/canoeing (Excludes Personal Liability and Personal Accident cover over grade 3)

If you would like any further information about gap year travel insurance, click to contact us OR for any questions about the cover ring Fogg Travel Insurance 01623 631331 and state Real Gap insurance.

Real Gap is an Appointed Representative of Fogg Travel Insurance Services Limited, who with the Insurers,  are authorised and regulated by the Financial Services Authority (FSA) this can be checked on the FSA web site www.fsa.gov.uk

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