Exceptional travel insurance at competitive prices to
cover you at every step, no matter how far away from home you travel!
For a
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What do I get if something goes wrong? The more you pay, the better the cover - the choice is yours. All prices are quoted in £ sterling, and indicate the maximum payable. Details may change and you are advised to check when you obtain your quotation. | Item | Gap year (18-35) |
Gap year plus (18-35) and Essential (35+) | Comprehensive | | Accident or illness | 1,000,000 |
2,000,000 | Unlimited | | Air ambulance¹ | 1,000,000 |
2,000,000 | Unlimited | | Getting someone to you² | 1,000 |
3,000 | 5,000 | | Hospitalisation benefit | NIL |
NIL | £15 per day, max £300 | | Accidental death³ | NIL |
3,750 | 7,500 | | Dental costs | NIL |
250 | 500 | | Disablement | NIL |
Up to 15,000 | Up to 40,000 | | Luggage cover | 500 |
1,500 | 2,000 | | Passport replacement | 150 |
250 | 500 | | Stolen money | NIL |
200 | 500 | | Cancellation | 1,000 |
3,000 | 5,000 | | Electrical items | NIL |
NIL | 1,500 (trips over 4 months and if item specified in advance) | | Air Rage | NIL |
NIL | 40,000 (+1,000 flight delay) | | Incarceration | NIL |
NIL | 500 | | Travel delay | NIL |
NIL | 3,000 | | Personal liability | 1,000,000 |
1,000,000 | 2,000,000 | | Legal costs | NIL |
10,000 | 20,000 | | ¹ Repatriation means return home where recommended and authorised by medical personnel, accompanied if necessary. It includes return of body or ashes in event of death. Overseas funeral costs are covered under all policies up to £2,000 | | ² Reasonable travel and accommodation for someone to stay with you if ill or needing repatriation | | ³ Payment to next of kin. | So, if you don’t want dental cover and accept that there will be no replacement for any loss of money, and are between 18 and 35, then Gap Year might be enough. You could take a little more cover (dental treatment, disablement and loss of money included) under Gap Year Plus if you are under 35 or Essential if over 35. If you want higher cover and especially if you want to take your laptop, the Comprehensive will do this. (For a Comprehensive policy you will have to specify what equipment you want covered). These are, of course, only summaries. In common with most general policies, there are exclusions for pre-existing conditions. The policies cover conditions diagnosed more than 12 months previously and for which there is effective drug control. Severe allergic reactions are also covered. Pregnancy is not covered. Dental cover assumes teeth in good condition before departure and a certificate or assurance from your dentist may be required. All assume you take reasonable care, adequate precautions (e.g. anti-malarial pills, inoculations, etc.). A £50 excess applies on most items – there are cheaper policies but many of these have a lower benefit and a bigger excess – you might save £25 and have to pay the first £200! A copy of the full policy and all its conditions will be made available. Are there any age limits?
Gap Year policies are for 18-35 years only. Essential and Comprehensive for 18-65, but quotations can be obtained for people up to 74 years of age. Special rates are available for couples and for families. Alternative polices may be cheaper for over 65's,
please email us. How much will it cost?
Cost depends on which option you take from above, where you are going, and for how long. Examples of current costs
(November 2007)are: | Worldwide -
(excluding USA & Canada) All prices in £ sterling. | | Time | Gap year | Gap year plus | Essential | Comprehensive | | 3 months |
62 | 82 | 79 | 107 | | 6 months | 108 | 163 |
165 |
247 | | 9 months | 162 | 244 |
247 |
372 | | 12 months | 216 | 325 |
330 |
495 | | Europe only (includes EU, countries bordering the Mediterranean and Baltic and Black Seas, and countries as far east as the Ural Mountains (i.e. former Soviet Union in "Europe"). All prices in £ sterling. | | Time | Gap year | Gap year plus | Essential | Comprehensive | | 3 months |
51 | 54 |
54 |
67 | | 6 months |
83 |
86 |
86 |
122 | | 9 months |
124 |
129 |
129 |
183 | | 12 months |
165 |
172 |
172 |
244 | Who are these policies for?
These policies are specialist policies for people travelling from the United Kingdom. They include cancellation cover and in some cases delay or missed plane cover) and end on return home. You can travel as much as you like to different countries while outside the UK, but the policy is cancelled the moment you return home -so if you are thinking of taking a break in your overseas work or volunteering you need to insure only up to the point at which you come home - the policies only cover one trip in each direction in addition to the time you spend overseas. Refunds are possible but a fee would be payable.
Note: this summary is intended for guidance only - details of policies can be found when requesting a quotation, and are agreed to when payment is made. These policies are not holiday or multi-trip policies which are normally limited to 30 or 60 days and can be bought easily elsewhere at cheaper rates. What do I do now? - If you want more information about the policies, go back
- Decide which level of cover you want.
- Click on the policy you want and complete the on-line application. You will receive an instant quotation and can pay on-line. A confirmation and copy of the policy will be sent direct to you.
- Book your flights – to ensure that you are covered for the right length of time.
- If you do not want to apply on-line, Christians Abroad
can do that for you.
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