Worldwide Gap Year & Backpacker Travel Insurance

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	£100***
B. Emergency medical expenses	£2,000,000	£5,000,000	£1,000,000	£100***
Emergency Dental Treatment	£250	£250	not covered	Nil
Getting someone out to you	reasonable additional costs	reasonable additional costs	reasonable additional costs	Nil
Funeral Costs Abroad	£2,000	£2,000	£2,000	Nil
Search and Rescue	£5,000	£5,000	£5,000	Nil
C. Personal Accident	£15,000 (Death £5k)	£20,000 (Death £10k)	Not covered	Nil
D. Missed Departure	£250	£250	£250	£100***
E. Personal Baggage	£1,500	£1,500	£500	£100***
Single Article Limit	£250 / £300	£300 / £350	£150
Valuable Limit	£300	£350	£150 / £200
F. Personal Money	£200	£200	not covered	£100
Loss of Travel Documents	£250	£250	£150	£100
G. Personal Liability	£1,000,000	£1,000,000	£1,000,000	£250
H. Legal Advice & Expenses	£20,000	£20,000	not covered	£250
*cover for Sporting Activities vary between the three levels of cover. It is important that you purchase the correct level of cover for the Sporting Activities you may do on your trip. **please see sections for details of amount of payment. *** Increased to £150 in respect of Adventure

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

 

(*) 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 ring 01892516164 and ask 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.