Student travel insurance helps you out of trouble if your trip doesn't go according to plan. So if you:
Travel insurance policies differ wildly in the type and level of cover they offer
If you're planning a one-off holiday travelling through Australia and New Zealand, this insurance is probably suitable.
Just check the policy covers you for the full length of the trip. LV= provides cover for up to 366 days, but not all policies offer cover for as long.
With annual multi trip insurance, you can take multiple trips in one year without having to take out separate policy for each one. So, if you go skiing in January, inter-railing around Europe in June and on a city break in October, this type of insurance could be the cheapest way to cover your trips. Again, check the policy covers you for the length of each trip.
If you're travelling for a year or more, you should consider gap year insurance. These policies will sometimes let you return to the UK temporarily without having to take out another policy when you leave again. They can also include cover for voluntary work and adventure sports.
If you're aged between 16 and 22, you may already be covered for travelling on your family's existing travel insurance policy. Some insurers, like LV=, allow children to travel independently if this is chosen as an option when the policy is taken out.
Travel insurance policies differ wildly in the type and level of cover they offer. So to help you decide what's best for you, consider the following questions:
Check all the destinations you plan to visit are covered by your insurance. Travel insurance is usually split into Europe, Worldwide excluding the Americas, and Worldwide including the Americas, but each insurance company will have their own breakdown of the countries they cover.
Are you lying on the beach, working, volunteering, skiing, scuba diving, hiking the Inca Trail – or all of the above? Most travel insurance won't cover you for any manual work, and some won't cover you for volunteering. You can get cover for adventure sports, but read the small print to check any limitations. For example, if you're diving, you could be restricted to a depth of 30 metres, or your policy could exclude moped hire. If in doubt, chat to your insurance company.
Some single trip policies only cover you for 30 days or so, so if you're away for longer, make sure your policy covers the full duration of your trip. And if you plan to travel back and forth to home during your trip, check your travel insurance doesn't end when you re-enter the UK the first time.