Below is a list of frequently asked questions.  It is important that you take the time to read these FAQs, the policy wording and policy summary. Click on the questions to reveal their answers:
 
> QUESTIONS about POLICY
What cover is provided under the policy?
You can choose from two levels of cover:

‘Economy’ provides essential cover for cancellation; curtailment; personal possessions; emergency medical expenses; personal liability and personal accident.

‘Superior’ provides higher limits and additional cover for gadgets; departure delay; missed departure; possessions delayed in transit; personal money & loss of travel documents and legal advice & expenses.

For full details of the cover including terms, conditions and exclusions, please refer to the Insurance Policy.
Do you have a 24-hour Medical Emergency Assistance Service?
Year Abroad Insurance has a 24 hour medical emergency and repatriation service.
Tel. +44 (0) 203 829 6745
Further details of this service are shown in your Insurance Policy.
What is the maximum trip duration?
Both Economy and Superior provide cover for single trip travel for periods up to 18 months.
Is there an age limit?
Superior is available up to age 75 if travelling to destinations in Europe, Australia and New Zealand. For those travelling to Worldwide destinations, the maximum age is 69 on the day you purchase your policy. If you are aged over 75 (or over 69 for Worldwide cover), please contact us for an alternate policy.

Economy is available up to age 39 on the day you purchase your policy.
Am I able to return home, and then resume my trip?
Yes, the policy allows you to return home for up to two trips, each up to a maximum of 21 days per trip during the policy period. Please note, cover is suspended during the period at home.
Are there any countries that are not covered?
Year Abroad Insurance will cover all countries and areas except those which the Travel Advice Unit of the Foreign & Commonwealth Office or the World Health Organisation (WHO) or similar body has advised against all or all but essential travel.
How do I know what I'm covered for?
Please read the Insurance Policy for details of the cover.
What activities do you cover?
Year Abroad Insurance provides a wide range of sports & activities at no extra cost under Activity Pack 1.
Click here to see the list of the free activities we cover.
Other sports and activities not included in Activity Pack 1 may be covered on payment of an additional premium. Click here to see the list of the activities we cover under activity packs 2, 3 & 4.
Should your activity not appear on the list, please call us on 02392 419 077. We are open Monday to Friday 8am-6pm, and are closed on Bank Holidays.

Are all activities covered free of charge?
No, certain activities can only be covered on payment of an additional premium. See our activities page for more information.
Can I delete my excess?
Yes, you can select the ‘Excess waiver’ option during the quote process, by paying an additional premium. The standard excess will then be reduced to ‘nil’.
Note: the excess would still apply for Gadget cover and where any additional excess has been imposed following a call to Travel Administration Facilities to declare a medical condition.
How can I pay for my policy?
You can pay by debit or credit card. We accept Mastercard and Visa.
How will I receive my travel insurance policy documents?
Your policy schedule and policy documents are delivered to the email address you provide.
Do I need to take my policy documents with me?
Yes you should print a copy of your Schedule and Policy Documents and carry them with you.

The Policy Document includes important telephone numbers including the Medical Emergency Assistance Service that is available to you 24 hours a day, 365 days a year for advice, assistance, making arrangements for hospital admission, repatriation and authorisation of medical expenses.
Can I get my money back if I want to cancel my policy?
If you are not completely satisfied with the cover provided you may return your policy to us within 14 days on receipt of your policy documents, provided that you have not already travelled and are not making a claim, your premium will be refunded in full.
What does Consular Assist cover provide?
This optional cover provides emergency assistance in situations such as your passport being stolen, or if a member of your family at home becomes ill. Consular Assist gives you the reassurance of knowing that even when you’re miles from home, you are only moments from help, providing you with advice and support from Embassy-trained staff 24 hours a day, 365 days a year.
Do I need a European Health Insurance Card (EHIC)?
An EHIC entitles you to reduced-cost, sometimes free, medical treatment that becomes necessary while you are in a European Economic Union (EEA) country or Switzerland. The EEA consists of the European Union (EU) countries plus Iceland, Liechtenstein and Norway. The card gives access to state-provided medical treatment only. Remember, this might not cover all the things you would expect to get free of charge from the NHS in the UK. You may have to make a contribution to the cost of your care. You may apply for an EHIC online at: www.dh.gov.uk/travellers or by calling 0300 330 1350. Please note: An EHIC is no substitute for travel insurance cover.
Who can help me with any general reassurance or questions about the policy purchase or policy coverage that are not included in these FAQs?

It is important that you read the FAQs – most of the common queries are covered in this section.  If following this, you have any questions then you can email us on askus@yearabroadinsurance.com and we will aim to respond within two working days.  Or call: 02392 419 077 Weekdays 8am-6pm (GMT), closed Bank Holidays.

Should I take a copy of the policy on my year abroad?

Yes, it is vitally important that you do. You will receive a .pdf copy by email as soon as you complete your purchase. Your documents contain important information about what to do in the event of an Emergency, including contact numbers for the 24 hour Emergency Medical Assistance Service or Consular Assistance (where the Consular Assist cover has been purchased).  If you are admitted to a medical facility you will need to provide them with your policy number and the name of the insurer.

I have a disability, does this affect the cover provided under the Personal Accident section?

You will still be covered under this section. However, any existing disability (including congenital conditions) that are directly related to a claim that you make may be taken into account when assessing the claim. Please ensure you have read the Disclosure of Pre-existing Medical Conditions on page 2 of your Insurance policy and where required, declared your condition to Travel Administration Facilities.

I am combining paid work, voluntary work and study abroad.  Am I still covered?

Yes, the policy is designed to offer you this flexibility. It also allows you to do any kind of work as an employee or volunteer including manual work, subject to policy terms, conditions and exclusions. The personal accident and medical expense sections of the policy do not carry any special restrictions based the whether you are working – be this paid or unpaid - or simply studying abroad

Does the personal liability section of the policy cover me for public liability and work related liability insurances?

No, the policy does not cover you for public liability, professional indemnity, employers liability and other employer business risks (reference section B6).  You should check with your employer as many will have suitable business insurance in place.  Alternatively, you should consider obtaining this type of cover locally in the country you are in.

> QUESTIONS about YEAR ABROAD INSURANCE
Who are RMCI and Year Abroad Insurance?
We are the insurance brokers who have arranged the insurance. Please read the full details about us on the About Us page.
Who are URV?
URV, Branch Office of Union Reiseversicherung AG are the insurance company and are authorised in Germany by BaFin and Administered in the United Kingdom and Ireland by Travel Insurance Facilities plc. Please read the full details about URV by visiting our Links page.
Can I purchase the insurance in advance of my travel dates?
Yes. You should start your period of cover from the moment you book your travel and accommodation in order that you have cancellation cover. You should also ensure that your trip end dates fall within the remaining period of insurance selected.
Can I purchase the insurance if I’m already abroad?
No. You must be in the UK and have not started your trip to be eligible for this insurance policy.
Will I get a notice or reminder about the expiry of my insurance policy?
The policy is considered a Single trip policy and therefore you will not receive any reminder that it is due to expire.

I did not use all of my travel period. Can I be refunded for the unused period?
No. There is no refund available once you have started your trip and/or if you have claimed or have a potential claim under the policy.
I have just found out I am covered by my parents’ annual policy. Can I cancel and obtain a refund?
You should compare the cover under the two policies. If you want to cancel your Year Abroad Insurance policy you can do. Provided you have not started your trip or have a claim or potential claim under the policy and you cancel within the first 14 days you will receive a full refund. Thereafter, provided you have not started your trip or have a claim or potential claim, you will be entitled to a pro rata a refund of 50% return of the policy premium and any additional premium applied to your existing medical condition.
When will I receive my policy documents?

You should receive you policy documents by email on the day of purchase. If you do not then please contact the Year Abroad Insurance team by emailing: askus@yearabroadinsurance.com

Can you resend my policy to me?
Yes. Please send us a message with your policy number (if known), the lead name and the address (for verification) and we will then resend the policy.
Should I take a copy of the policy on my year abroad?
Yes, it is vitally important that you do. You will receive a .pdf copy by email as soon as you complete your purchase.  If you fall ill you will need to provide the hospital with your policy number and the name of the insurer and notify the 24/7 hour Emergency Medical Assistance immediately.
> QUESTIONS about ELIGIBILITY
What are the eligibility criteria for the insurance policy?
You must be between 16 and 75 years of age at the commencement of the policy and a resident of the United Kingdom, Channel Islands or BFPO, who has not spent more than 6 months abroad in the year before buying this policy.
You must not be travelling against medical advice or seeking medical treatment.
You must not have already started your trip and you must be in the UK at the time of purchasing this insurance
The policy is available to UK and Channel Islands residents or for British Forces Posted Overseas (BFPO) who have not spent more than 6 months abroad in the last 12 months.
UK is defined as – England, Wales, Scotland, Northern Ireland and the Isle of Man.
Channel Islands is defined as – Jersey, Guernsey, Alderney, Sark, Herm, Jethou, Brecqhou and Lihou.
I am a mature student. Am I eligible for this policy?
Yes, up to a maximum age of 39, on the date you purchase your policy, if buying the ‘Economy’ cover; or up to age  69 if travelling Worldwide, or up to age 75 if travelling within Europe or Australia and New Zealand, on the date you purchase your policy, if buying the ‘Superior’ cover.

I am a PhD/Masters student. Am I eligible for the policy?
Subject to all other usual eligibility criteria, PhD/Masters students are eligible, as long as they are not employed by the university.
> QUESTIONS about MEDICAL CONDITIONS
Do I pay all the medical bills and then claim for them afterwards? Or are they paid by the insurance company?
You must contact our Medical Assistance Service before incurring any costs. Most emergency medical bills will then be guaranteed by the Assistance company subject to policy terms and conditions.
I have a pre-existing medical condition. Do I need to declare it? Will I be covered by the policy?
 Yes, your policy may not provide cover for re-occurring or pre-existing medical conditions.  If you or anyone travelling with you has ever been diagnosed or received treatment for a heart related problem, a stroke, cancer, any breathing problems, diabetes or had any other medical condition which has been treated in hospital or has been referred to a specialist in the last 2 years or you are waiting for any tests or treatment of any description or your doctor has altered your regular prescribed medication in the last 6 months, you should phone Travel Administration Facilities on 0203 829 3855 to see if cover is available. They will confirm any special terms in writing.
I am pregnant and will be flying. Am I covered for medical expenses?
Provided the airline is aware and has accepted you for travel within their rules then the policy is designed to provide cover subject to policy terms, conditions and exclusions. Please refer to page 3 of your insurance policy.
I need to renew my routine prescription medication. Will the cost of this be reimbursed?
No, the policy will not cover the cost of routine prescription medication.
I have suffered a medical problem and will need to be repatriated (sent back) to the UK. How does this work?
Our 24 hour Emergency Medical Assistance will organise this. You must not make any repatriation arrangements prior to contacting the Emergency Medical service as these will not be covered by the policy.
Can I get travel insurance if I have an existing medical condition?
During the online quote process you will be asked a number of medical screening questions. If you answer ‘yes’ to any of these questions, you will need to contact Travel Administration Facilities. They will advise you what cover is available. In some cases an additional premium may be payable if we are able to cover the declared medical condition(s).
In the event of a medical emergency whilst abroad, do I have to pay my medical bills myself?
If you are asked to pay a small bill for medicines and/or outpatient treatment it is often easier to settle your bill direct, keep all receipts and claim for the costs incurred on your return home. It very important to obtain an itemised receipt for any monies paid for medical treatment.
If you are admitted as an inpatient or outpatient treatment is likely to exceed £500, then you must contact the 24 hour Medical Emergency Assistance Service as soon as possible. They will then arrange for medical expenses covered by the policy to be paid direct to the hospital/clinic.
> QUESTIONS about POLICY COVER
What happens if my work plans change along the way?
You do not need to notify us of any changes to your work.
Am I covered for holidays during my year abroad? If I travel outside my Year Abroad country will I still be covered?

Yes, but only within the geographical limits of the destination category you have purchased, and only within the period of insurance.

You can change from Europe to Worldwide mid-term, provided we have been given notice before travel has commenced to the higher rated area and the appropriate additional premium has been paid.

If you think you may travel further afield you should consider purchasing the widest category at the outset.
Any Mid-term changes in area will be subject to no claim being made or is intended to be made and no incident likely to give rise to a claim has occurred and any pre-existing Medical Conditions being re-screened and accepted by Travel Administration Facilities.

Is my mobile phone covered?
There is no cover for mobile telephones, SIM cards, mobile telephone prepayment cards, lost or stolen mobile telephone call charges or mobile telephone accessories under section B2 - Personal Possessions.  Gadget cover will include cover for loss or theft of your mobile phones when you purchase the ‘Superior’ cover.  Please see your Insurance policy for full details.
Is my bicycle or scooter covered?
No. You should make good arrangements in the country you are in to have this cover in place.
I have a musical instrument of high value and importance to me. Will it be fully covered?
Your policy provides cover for Personal Possessions carried with you on your trip up to a maximum of £500 if you have bought ‘Economy’ cover or £2,000 if you have bought ‘Superior’ and up to £100 if you have bought ‘Economy’ cover or £250 if you have bought ‘Superior’ cover for any one article.  We would suggest you look at making separate insurance arrangements on your own or your parents’ household policy or a separate policy for high value items.
My contents are in transit/being transhipped and will be in store. Are they covered?
No. You should check with the shipper/carrier to see what insurance arrangements they have in place or available to you.

The cover provided by the policy is not adequate for my personal possessions. Can I purchase any top-up cover?

No. As a general rule you should seek to insure any high value items under a Household policy 'All Risks' extension or specialist high value personal possessions insurance.
Am I covered for damage to my rented accommodation?
There is limited Personal Liability for damage to property that you rent during your stay abroad. You should look to arrange specific coverage for Tenants Liability locally to suit the needs of you and/or your overseas landlord.
The host university requires that I purchase their insurance as part of their registration. Do I need both?
Some universities - particularly in North America - try to enrol you into their own schemes, and they have their own terms and conditions. You should check the local requirements before purchasing Year Abroad Travel Insurance. Whilst there may be some duplication in coverage, you may find that the university scheme is heavily focused on Medical Insurance and may not provide valuable benefits like trip cancellation, legal expenses and cover for your personal belongings.
Can I do a mixture of studying and/or working and/or volunteering abroad?
Yes, the policy is designed to offer you this flexibility.
What cover is provided under the Gadget section of cover?
Please note: Gadget cover is only included with ‘Superior’.

We will provide insurance during the period of cover for theft, accidental damage (including liquid damage), loss, breakdown and unauthorised call/data use for your gadgets including, Mobile Phones, iPads, Tablets, Cameras, Laptops, Portable Gaming Consoles, iPods/MP3 Players, E-readers/Kindles, Smart Watches, Sat Navs, and Portable DVD Players purchased as new or in the case of refurbished items purchased directly from the manufacturer by you in the UK or the Channel Islands; that is no more than 3 years old at point of policy purchase.
> QUESTIONS about POLICY CHANGES
My travel dates have changed. Do I need to let you know?
You do not need to inform us, provided the new travel dates still fall within the period of insurance you have purchased.
If I need to extend the period of insurance that I have purchased, how do I do that?
Provided your cover has not already expired and you have not already exceeded the maximum trip duration, we can extend the cover. To make can changes please contact our customer service team on 02392 419 077, Weekdays 8am to 6pm (GMT), closed Bank Holidays.

Any Mid-term changes in trip duration will be subject to no claim being made or is intended to be made and no incident likely to give rise to a claim has occurred and any pre-existing Medical Conditions being re-screened and accepted by Travel Administration Facilities.
I no longer need the policy. Can I cancel and get a refund?
Within the first 14 days you can cancel the policy and you will receive a full refund provided you have not travelled and/or have made a claim or have potential claim. After 14 days you may still cancel and provided you have not travelled or have made a claim or have a potential claim you will be entitled to a refund of 50% return of the policy premium and any additional premium applied to your existing medical condition. You must follow the procedures detailed in the policy wording. We may take up to 7 days to process your application for a refund.
> QUESTIONS about CLAIMS
Who do I call if I have a Medical Emergency?
You should contact our 24 hour Emergency Medical Assistance service on +44 (0)203 829 6745. For full details of what to do in the case of a medical Emergency, please see pages 22 & 23 of your insurance policy.
I have had an accident and will not be able to travel. Will I be covered?
Provided the accident occurred during the period of insurance you may be able to make a claim for cancellation subject to the terms, conditions and exclusions of the policy. Medical cover only applies from the date you travel.
Who do I call for claims?
You should follow the details on the Claims page.
Which documents will I need to make a claim?
You should contact the claims helpline published on the Claims page to find out what documentation you need.
The Foreign & Commonwealth Office (FCO) has advised against travel to my destination. Will I be able to make a cancellation claim?
No, you will need to discuss this with your tour operator or travel agent who will either provide a refund or replace/amend the trip you are making.
Do you have a 24-hour Medical Emergency Assistance Service?
Year Abroad Insurance has a 24 hour medical emergency and repatriation service.
Tel. +44 (0) 203 829 6745
Further details of this service are shown in your Insurance Policy.
How do I make a claim?
If something’s gone wrong and you need to make a claim, don’t worry – we’ve tried to make it as simple as possible.

You can find full details of the Claims Procedure on pages 20 & 21 of the Insurance Policy.

Please also pay particular attention to ‘What to do if you wish to make a claim’ under each section of cover.

For all Sections other than Consular Assist and Gadget cover

We have appointed Travel Claims Facilities to look after claims. You can obtain a claim form by the following:

Online at: www.travel-claims.net

In writing to:
Travel Claims Facilities
1 Tower View
Kings Hill
West Malling
ME19 4UY

Telephone: 0203 829 6761
Fax: 08706 205 001

Consular Assist

All potential claims must be reported initially to the Claims Helpline Service for advice and support.

In the event of a claim under this policy, you must call the Emergency Helpline Number on
033 33 70 70 70 and report the circumstances that have given rise to a claim.

The Emergency Helpline Number is operated 24 hours a day 365 days a year.

Gadget Cover

You must notify Supercover Insurance on 0203 794 9300 as soon as possible, but in any event within 28 days of any incident likely to give rise to a claim under this insurance.

Alternatively, email: claims@supercoverinsurance.com 

or write to:
Supercover Insurance
Waterside House,
20 Riverside Way,
Uxbridge
UB8 2YF
> QUESTIONS about TECHNICAL PROBLEMS
I have found a problem with the website, in the main area, payment system or auto-generated emails with attached documents.
Please email the Year Abroad Insurance team: tech@yearabroadinsurance.com
My payment has not been taken from my bank account. What should I do?

Please email the Year Abroad Insurance team: askus@yearabroadinsurance.com
> QUESTIONS YOUR PARENTS WANT ANSWERS TO
I need to know the premium split as I can claim the cost of the medical cover from my local authority.
40% of the policy premium (excluding Insurance Premium Tax) is allocated to medical benefits and the balance covers all other sections.
Can my parents fly out if I am seriously ill abroad?

The policy is designed to provide travel and accommodation cover for one close relative subject to the policy terms, conditions and exclusions. You must discuss and agree your plans with our Emergency medical Assistance service or they will not be covered.

My parents would like a copy of the policy schedule and wording. Can that be arranged?
Provided you have consented to data disclosure and entered their details a copy will be emailed at the time of purchase. Alternatively a PDF of the policy wording and policy summary is available on the website.
How many times can I go home during my year abroad?
The policy is designed to allow you to travel home twice during the policy period, up to a maximum of 21 days per trip.
I am about to travel and realise I cannot locate my policy documents. What should I do?
You should email the Year Abroad Insurance team: askus@yearabroadinsurance.com
I have suffered a medical problem and will need to be repatriated (sent back) to the UK. How does this work?
Our 24 hour Emergency Medical Assistance will organise this once you contact them. You must not make any repatriation arrangements prior to contacting our Emergency Medical service as these will not be covered by the policy.
I have heard there is a natural disaster at my travel destination. What should I do?
You should check the Foreign & Commonwealth Office (FCO) website www.gov.uk/foreign-travel-advice for details of the destination you are travelling. If the FCO advise against all travel or all but essential travel, you will need to discuss this with your tour operator or travel agent who will either provide a refund or replace/amend the trip you are making.
Do you have a 24-hour Medical Emergency Assistance Service?
Year Abroad Insurance has a 24 hour medical emergency and repatriation service.
Tel. +44 (0) 203 829 6745
Further details of this service are shown in your Insurance Policy.
How will I receive my travel insurance policy documents?
Your policy schedule and policy documents are delivered to the email address you provide.
 
IMPORTANT: Our Year Abroad Travel Insurance policy is for full and part-time students who are between 16 and 75 years of age at the commencement of the policy. The policy has been designed to cover you for up to 18 months for theft, loss or damage of your personal property, and if you get seriously ill or injured abroad for your medical expenses and return trip home.

Quick Quote
Our online quote facility is currently unavailable as it’s being updated and improved.
 
You can however, get a quote in less than 5 minutes over the phone from our experienced UK-based customer service team.
 
Call Us Now - 02392 419 077
Monday to Friday, 8am - 6pm
Please note that we are closed Bank Holidays and weekends. Telephone calls may be recorded for training and compliance purposes.
We have a new
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Travel Insurance now
has two levels of
cover to choose from
and new gadget cover!
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Policy issued pre 06/03/2017?