Travel Insurance

Most backpacker travel insurance policies contain a clause relating to failed examinations. This is a very important matter for students to consider. If exams are failed they may be required by the college or university to sit them again. If the student is already off travelling the world the cost to return quickly for a re-sit could be high. However, be warned that claims on the insurance may be denied if travel insurance is not taken out prior to the sitting of all exams which lead up to the final result.

Insurance terms like curtailment and repatriation do not even enter the equation for most young people when planning a gap year. It is surprising how many don't know, or care, what the words mean - or might entail. These are just two of the words to be concerned about. Cancellation, of course, refers to insurance cover for an emergency situation arising before the departure date, causing cancellation of travel plans.

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