All travel today contains an element of risk, and it is always recommended to have insurance of some sort, depending on your circumstances and your travel plans and itinerary.
The main areas to decide upon the level of cover required are:
- Medical expenses
- Personal accident
- Cancellation or curtailment of your trip
- Travel delays
- Baggage and personal belongings
- Travel documents and cash
- Personal liability
- Legal costs
- Extreme sports and adventure activities
You can bring down the costs of insurance if you are willing to take on some risk yourself in the form of increased excesses, i.e. the larger the amount you have to contribute in the event of a claim the lower your premiums will be.
 Each country you travel to or through will have different risk profiles, which means that the level of cover and the costs thereof will differ, so by rearranging your itinerary slightly to include or exclude a certain country or region you may save a lot in insurance.
The World Nomads site has insurance cover depending on the countries in which you are travelling.
|
More and more students are planning to take a break between school and further studies, or between further studies and starting to work. However, many are either pressured out of it
We compare the cost of staying at home to going on a structured gap year course in South Africa
There is not a shortage of jobs in this world – there is a shortage of great paying jobs!
When your gap experience is over and the dust has settled, and you are safely back at home it can be difficult to settle down at first.
Who doesn’t enjoy the concept of a break, a holiday, a gap from the daily routine of modern life? The question is really 
If you mention taking a ‘gap year’ to people you will probably receive variations on one of two reactions:
At any one moment there are thousands of people around the world taking a gap – time out – who have finished school,
