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Backpacker–Gap Year–Long Stay Travel Insurance

Backpacker–Long Stay Travel Insurance—UK

Our backpacker Travel Insurance cover allows you to travel up to 12 months either in Europe or World Wide, making it an ideal product for backpackers and Gap Year travellers.

With benefits such as:

  • Cancellation & Curtailment up to £1,500.
  • Up to £5,000,000 emergency medical cover, with 24/7 english speaking help line.
  • Up to £1,000 personal possessions cover.
  • 50 + sports covered as standard.

The maximum age of our backpacker travel product is 39 years old at the time of purchasing the insurance policy.

BackPacker/Longstay Cover Limit Excess
Cancellation and Curtailment £1,500 £75
Catastrophe £700 £75
Medical Expenses £5,000,000 £ 100
Emergency Dental Treatment £200 £100
Burial Costs / Body Retpatriation £5,000 Nil
Repatriation £500,000 £100
Hospital Benefit £15 for each complete 24hr period up to £300 Nil
Personal Possessions £1,000 £75
Single article limit £200
Valuables limit £200
Travel Documents £150 £75
Baggage Delay £150 Nil
Personal Money £200 £75
Cash Limit
Cash (Insured aged under 18) £50
Personal Accident £15,000 Nil
Loss of Limbs or Sight £15,000
Permanent Total Disablement £15,000
Death (Insured aged 16+) £7,000
Death (Insured aged under 16) £1,000
Missed Departure £500 £75
Delayed Departure £20 for each full 12hr delay up to £200 Nil
Holiday Abandonment £1,500 £75
Personal Liability £2,000,000 £275
Legal Expenses No Cover N/A
Repeat Cover    
Curtailment Worldwide £700 Nil
Resuming the trip Worldwide £700 Nil
Curtailment Europe £350 Nil
Resuming the trip Europe £350 Nil
Scheduled Airline Failure No Cover  
Single Trip Gold Excess

WHY CHOOSE COVER4INSURANCE?

Instant Cover: Online purchasing means you can get cover instantly. (Please note cover cannot be purchased if you have already departed the UK).

Full Refund Guarantee: If after reading your policy you decide the terms of the insurance do not meet your requirements you will have 14 days to cancel it, starting on the day you receive your documentation. Provided that a claim does not exist and that travel has not taken place.

Tailor your cover: We offer options to extend your cover to include: Winter Sports, Golf, Business and Laptop Cover. Plus you can add on additional Hazardous Sports & activities to the 50+ sports and activities automatically covered.

Secure Online Purchase: The security of your personal and financial details is of paramount importance to us and as such, we use the strongest available security system to protect your personal information.

Underwritten by White Horse Insurance Ireland dac: Cover4travel.com has arranged this travel insurance policy with White Horse Insurance Ireland dac. Registered Office: Bay 89.2, Free Zone West, Shannon, Co. Clare, Republic of Ireland.

If you are travelling for 4 months or more please check out our Longstay product designed for people backpacking, taking a gap year or staying in a foreign country for longer periods. Click here for a quote.

Backpacker–Long Stay Travel Insurance—Ireland

If you want an extended holiday, for backpacking, gap-year or just a long stay abroad, our backpacker insurance is both comprehensive and affordable. see below for some of the benefits and links to cover details and online quotes:

With benefits such as:

  • Cancellation & Curtailment up to €2,000.
  • Up to €6,000,000 emergency medical cover, with 24/7 English speaking help line.
  • Up to €1,250 personal possessions cover.
  • 50 + sports covered as standard.

The maximum age for our long stay travel insurance product is 39 years old at time purchasing your insurance policy.

BackPacker Covers Limit Excess
Cancellation & Curtailment €2,000 €95
Catastrophe €850 €95
Emergency Medical Expenses €6,000,000 € 100
Dental Treatment €250 €100
Burial Costs / Body Retpatriation €6,000 Nil
Repatriation €600,000 €100
Hospital Benefit

€20 for each complete 24hr

period up to €400

Nil
Personal Possessions €1,250 €95
Single article limit €250
Valuables limit €250
Travel Documents €200 €95
Baggage Delay €185 Nil
Personal Money €250 €95
Cash Limit €200 €95
Cash (Insured aged under 18) €75 €95
Personal Accident €38,000 Nil
Loss of Limbs or Sight €38,000
Permanent Total Disablement €38,000
Death (Insured aged 16+) €6,000
Death (Insured aged under 16) €1,500
Missed Departure €600 €95
Delayed Departure €25 for each full 12hr delay up to €125 Nil
Holiday Abandonment €2,000 €95
Personal Liability €2,500,000 €275
Repeat Cover   Nil
Curtailment Worldwide €850
Resuming the trip Worldwide €850
Curtailment Europe €425
Resuming the trip Europe €425
BackPacker Cover Limit Excess


WHY CHOOSE COVER4INSURANCE?

Instant Cover: Online purchasing means you can get cover instantly. (Please note cover cannot be purchased if you have already departed the UK).

Full Refund Guarantee: If after reading your policy you decide the terms of the insurance do not meet your requirements you will have 14 days to cancel it, starting on the day you receive your documentation. Provided that a claim does not exist and that travel has not taken place.

Tailor your cover: We offer options to extend your cover to include: Winter Sports, Golf, Business and Laptop Cover. Plus you can add on additional Hazardous Sports & activities to the 50+ sports and activities automatically covered.

Secure Online Purchase: The security of your personal and financial details is of paramount importance to us and as such, we use the strongest available security system to protect your personal information.

Underwritten by White Horse Insurance Ireland dac: Cover4travel.com has arranged this travel insurance policy with White Horse Insurance Ireland dac. Registered Office: Bay 89.2, Free Zone West, Shannon, Co. Clare, Republic of Ireland.

If you are travelling for 4 months or more please check out our Longstay product designed for people backpacking, taking a gap year or staying in a foreign country for longer periods. Click here for a quote.

How do I make a claim?

While you are away

24 hr Medical & Emergency Assistance

What to do in case of a medical emergency

In the event of any illness, injury, accident or hospitalisation involving anyone insured under this policy, where the anticipated costs are likely to exceed £250/€250, you must notify the Emergency Assistance Service.

They will direct you to an appropriate medical facility and may be able to guarantee costs on your behalf.

When contacting our Emergency Assistance Service please ensure you quote the Master Policy Reference: WHIIL/Cover4travel/06/2016.

TEL: 0044 (0) 1733 224 892 *

24 Hours a day, 365 days a year.

Note: You must retain receipts for medical & additional costs incurred.

Hospital Treatment Abroad

If you are admitted to hospital abroad, you must contact the Emergency Assistance Service immediately. If you do not, this could mean that the Insurer will not provide cover or they may reduce the amount they pay for medical expenses. If you are not admitted to hospital, but you receive medical treatment abroad as an outpatient, you should pay the hospital or clinic and claim back your medical expenses from the claims services when you return to the United Kingdom.

Returning early to the United Kingdom/Ireland

If you have to return early to the United Kingdom/Ireland under Section A1 (cancellation and curtailment) or Section B (emergency medical expenses and repatriation), our Emergency Assistance Service must authorise this. If they do not, this could mean that the Insurer will not provide cover or they may reduce the amount they pay for your return to the United Kingdom.

Our Emergency Assistance Service reserve the right to repatriate you should the Insurers medical advisors view you as being fit to travel.

When contacting our Emergency Assistance Service please ensure you quote the Master Policy Reference: WHIIL/Cover4travel/06/2016.

TEL:00 (0) 1733 224 892 *

24 Hours a day, 365 days a year.

Note: You must retain receipts for medical & additional costs incurred

When you return Home

For all sections:

If you need to make a claim, please obtain a claim form no later than 31 days after the event by:

TELEPHONING OUR CLAIMS TEAM

UK: +44 (0) 1733 224 845 ** — Ireland: 0818 946 910 or +44 (0) 1733 224 845 **

Monday to Friday 9.00am – 5.00 pm

Quoting reference: WHIIL/Cover4travel/06/2016

** Calls from BT land lines cost 10p per minute. Calls from mobiles and other networks may be extra.

When you contact us, please ensure that you have the following information available to you, as we will require it to process your claim

  • Master policy reference of WHIIL/Cover4travel/06/2016
  • Your policy number
  • Date of purchase of your policy
  • Travel itinerary
  • Country and resort you visited or intended to visit
  • Actual or intended travel dates
  • Incident date
  • Brief circumstances of your claim
  • Value of your claim

Please note that your claim may be delayed if you are unable to provide us with the above information.