Firstly do not buy the wrong policy! This is easily done. For example, an inexpensive tourist policy is unlikely to cover the work abroad, and it would be unwise to rely on your parents' annual family travel insurance covers you, as this may not cover you at all. So the advice here is to buy a good quality specialist Gap Year Travel Insurance policy.
Second, beware of exceptions. All policies have them, and there are wide variations. So you really need to read and understand the small print to ensure that coverage is sufficient for your situation. Check the cover sports and activities you may want to do, and remember that many of the riskier activities that arises is' improvised decisions. Make sure you are covered for work, paid or voluntary.
Thirdly, you have to cancel your trip. You must purchase your travel insurance as soon as you book your trip to ensure you are covered to cancel, you or a close relative becomes ill or have an accident. Unfortunately it is not uncommon for a traveler to suffer a death in the family during their time away. Some offer specialized coverage for the cost of travel home and back in the event of an unexpected loss of a family.
And then there's the situation, and more common these days for the airline you are booked to travel on to go bankrupt or FCO issues a warning against all but essential travel as they did when the Swine Flu stricken Mexico. Remember that it is not possible to cancel the trip. Will you verify that you are covered if an airline goes bankrupt, and what cover is provided should there be a travel warning for a country where you are visiting.
Finally, 'it is not the price that counts, but the cover that counts. "As long as you plan your trip well and take steps to ensure your safety, you're sure to enjoy the wonderful adventure, Gap Year travel offers.
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