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Gap year travel insurance

Australian travel insurers can cover you for a year or longer. Compare quotes from 13 brands – that’s more than any other site in Australia.

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What you need to know

  • Travel insurance can cover you for at least 12 months if you are going on a gap year.
  • It can cover medical expenses, cancellations, luggage and more.
  • Most travel insurers let extend your policy while you are away.

What travel insurance brands provide cover for a year abroad?

BrandMaximum Trip Length*Conditions of ExtensionEnquire
Medibank Travel Insurance12 monthsIf You are travelling and wish to be insured for longer than the original period shown on Your original Certificate of Insurance, You need to purchase a new policy. Restrictions on the duration of the new policy may apply. For example, the maximum overall period for Worldwide cover is 12 months in total.
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Zoom logo12 monthsYou can purchase the new cover subject to approval and duration of cover cannot exceed the total of 12 months.
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Fast Cover Logo24 monthsThe period of insurance on your original Certificate of Insurance and your new Certificate of Insurance cannot exceed a maximum combined period of 24 months.
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Insure4Less Travel Insurance Logo12 monthsYou can normally extend your policy whilst you are overseas up to a maximum period of 12 months in total from the date cover first started.
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Travel Insuranz Travel Insurance Logo12 monthsYou can normally extend your policy whilst you are overseas up to a maximum period of 12 months in total from the date cover first started.
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insureandgo18 monthsPolicies can be extended only once and only up to the maximum trip length of the travel plan you select One trip, Cruise and Domestic:
  • 365 days if you are aged 64 or under
  • 90 days if you are aged 65 or over (unless you are aged 80 or over, and select a Worldwide Including travel plan)
  • 35 days if you are aged 80 or over, and select a Worldwide Including travel plan
  • Backpackers: 18 months
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Tick Logo12 monthsPolicies can be extended only once and only up to the maximum trip length of the travel plan you select One trip, Cruise and Domestic:
  • 365 days if you are aged 64 or under
  • 90 days if you are aged 65 or over (unless you are aged 80 or over, and select a Worldwide Including travel plan)
  • 35 days if you are aged 80 or over, and select a Worldwide Including travel plan
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World2Cover Logo
12 monthsThe Period of Insurance on Your new Certificate of Insurance, when added to the period of Your original Certificate of Insurance, cannot exceed a combined maximum period of 12 months.
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Covermore logo12 monthsIf You are travelling and wish to be insured for longer than the original period shown on Your original Certificate of Insurance, You need to purchase a new policy. The maximum overall period for Worldwide cover is 12 months in total.
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southern cross travel insurance12 monthsYour length of cover (including the extension) shouldn't be more than 12 months.
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Travel with Kit Logo12 monthsTravel with Kit will not grant an extension to a policy where the total Trip duration will exceed 12 months.More info
Travel with Jane Logo12 monthsTravel with Jane will not grant an extension to a policy where the total Trip duration will exceed 12 months.More info
Travel Insurance Saver12 monthsYou can only extend a policy up to a maximum of 12 months from the original departure date shown on your Certificate of Insurance.
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Easy Travel Insurance12 monthsIf You are travelling and wish to be insured for longer than the original period shown on Your original Certificate of Insurance, You need to purchase a new policy. The maximum overall period for Worldwide cover is 12 months in total.
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Australia Post12 monthsYou can purchase the new cover subject to approval and duration of cover cannot exceed the total of 12 months.
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1Cover Logo
15 monthsYour period of Overseas travel does not exceed 15 consecutive months in total from the date You originally departed Australia.More info
Worldcare24 monthsIf You are travelling and would like to be insured for longer than the original period of cover, you will need to apply for cover prior to the expiry of your original policy. The period of cover on your new Certificate of Insurance cannot exceed 12 months from the start date shown on your new Certificate of Insurance.More info

Note: This information was last updated August 2023

What should my travel insurance for a gap year cover?

Annual travel insurance covers all the same things as a single-trip policy. This includes:

Finder survey: What types of holidays have people taken?

ResponseMaleFemale
Honeymoon52.22%41.69%
None28.32%34.07%
Working holiday20.04%18.31%
Round-the-world12.14%10.85%
Other9.63%10.51%
Gap year5.59%8.64%
Baby-moon3.28%7.29%
Volunteer abroad3.66%4.24%
Source: Finder survey by Pure Profile of 1112 Australians, December 2023

Extra cover that you may need in your gap year

  • Rental vehicle excess cover. If your rental vehicle is involved in an accident or stolen, you could be liable for the rental company's expensive insurance excess, which could be several thousand dollars. Luckily, most comprehensive travel insurance policies cover this expense.
  • Snow sports cover. Snow sports cover protects you from costs such as stolen or damaged equipment, equipment hire, and ski resort closure due to inclement weather. Seek snow cover if you are planning on going skiing or snowboarding during your gap year.
  • Adventure activities cover. Many high-risk adventure activities you might want to indulge in during your gap year such as rock climbing or hang gliding, are not automatically covered on many policies. Adding optional adventure activities cover to your policy ensures that claims resulting from your participation in such sports will be covered.
  • Valuable items cover. Although a travel insurance policy may have a high amount of cover for your personal possessions should they be lost or stolen, be aware that sub-limits may apply to individual items. As a result, you may not have sufficient cover in place to repair or replace an expensive laptop or camera, so taking out extra valuables cover can be a good idea.

What are some common general exclusions?

Though no two long term insurance policies are the same, you will generally not have your claim paid if:

  • Your claim results from a pre-existing medical condition for which you are not covered
  • Your claim relates to any elective medical, dental, cosmetic or surgical procedure
  • You fail to take reasonable care to minimise your loss or injury
  • Your claim relates to you committing an unlawful act
  • Your claim relates to psychiatric, nervous, mental or behavioural disorders
  • Your claim relates to physical, mental or emotional exhaustion
  • Your claim is a result of an intentional self-inflicted injury
  • Your claim is a result of the use of alcohol or drugs, except drugs prescribed by a medical practitioner
  • Your claim relates to a sexually transmitted disease
  • Your claim arises as a result of pregnancy or childbirth
  • Your claim relates to riding a motorcycle (certain exceptions may apply depending on your policy)
  • You participate in professional sport or adventure activities
  • You participate in paid work that is not for your usual employer and was not arranged beforehand
  • Your claim relates to an act of war.

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