Whether you are a student on a gap-year or simply taking a long break from working life, long-stay travel insurance is essential. Multiple trip or annual policies, although covering you for a year, are not suitable for backpackers since they only cover for a month at a time. Instead, long-term travel insurance will cover you consistently for up to 12 months, and can also cover for working abroad.

Whilst planning your trip, it is important to make a list of every country you plan to visit and every activity you plan to do, and make sure your chosen insurance policy covers all of your plans. For example, some countries may be deemed unsafe to visit by some insurers, and if you are injured there due to war or terrorism, you may not receive payment unless your policy covers it. Furthermore, certain outdoor activities such as skydiving and motor biking may require extra cover since they are more dangerous.
 
Working abroad may be essential for some backpackers to fund their travels, but it is also a brilliant experience for gap-year students. Insurance for working abroad is available, but once again, it is important to arrange it before you travel. If necessary, check to see if you are covered for manual labour, such as building a school.

The key to an exciting and fulfilling long-term trip is being prepared. When everything is planned and accounted for in your insurance policy, you can enjoy your travels without worry.