If you have decided to take a gap year – how exciting! If you have decided to use your gap year to travel – even better yet! Let us help you stay protected during this once-in-a-lifetime experience. We can help you find a good, affordable gap year insurance plan that meets your needs.
Below you can compare prices quotes on gap year insurance and view the various health insurance plans. Since these plans are one year or less (renewable), they are not subject to affordable care act (ACA/PPACA) regulations. We are also linking some other useful gap year resources including a checklist, and videos on traveling/taking a gap year holiday overseas.
COMPARE GAP YEAR INSURANCE RATES
Both the Patriot and Atlas International plans allow you to choose your deductible (what you pay before insurance kicks in). This deductible only applies to medical coverage. Atlas includes personal liability coverage if you are needing that. Choose the Diplomat International short term plan if you are looking for the best adventure sports coverage or visit www.adventuresportsinsurance.com
$100,000 med max
$100,000 med max
$250 ded, $500K med
|Daily Rate||$0.95||$1.05||$1.29 + Sports rate up||NA|
|Monthly Rate||$28||$32||$39||140 days-$270|
|Quarterly Rate||$84||$96||$117||180 days-$430|
|Annual Rate||$345||$382||$470 ($588 w/Sports)||$665|
*We recommend at least $500,000 of medical coverage for those doing adventure sports.
Below you can find a checklist featuring some of the major benefits of each plan. To view a complete list of benefits for each plan, please go to the link of each shown below.
|Patriot International||Atlas International||Diplomat International||Medjet Collegiate|
|Sports coverage||May add with sports coverage||Automatic sports coverage||With Appropriate Rider||N/A|
|Terrorism Coverage (3)||Yes||Yes||Yes, with war risk rider||Yes|
|Accidental Death & Dismemberment||Yes||Yes||Yes, Enhanced available||No|
|Repatriation of Remains||Yes||Yes||Yes||Yes|
|Emergency Travel Assistance Services||Yes||Yes||Yes||No|
|Baggage and Personal Effects||Yes||Yes||Yes||No|
|Trip Duration (no longer than and may renew/reapply)||A few days up to 1 year||A few days up to 1 year||A few days up to 1 year||140 days, 180 days, or 365 day policy|
(1) The most comprehensive of our gap year insurance plans is the BUPA plan, due to unlimited medical and evacuation coverage as well as its coverage of extreme sports/professional sports.
(2) These rates may change slightly throughout the year due to fluctuation, but will give you a close idea of the cost per plan.
(3) Terrorism: Please note that no company will pay for political evacuation if there is a travel advisory in effect on or within six (6) months prior to the insured person’s date of arrival in the host country. Medical Evacuation won’t be done if safety of crew is in question.