If you will be studying while abroad, our policies will normally cover you if you are taking part in academic (classroom or online) learning, for example a foreign language course. We'll only be able to provide cover if we can cover all elements of your course. If your course includes industry placement, you'll also need to ensure we cover that under Work & Charity.
The information below provides a list of study types covered under our backpacker policies either as standard or for an additional premium (this page is not applicable to single trip or annual multi-trip policies). It also outlines study types we don't cover, if your study type isn't covered in this list it is not covered.
| Course Element | Cover |
|---|---|
| Academic classroom or online learning (no practical work) | As Standard |
| Academic classroom or online learning (with practical work) | As standard, so long as your course does not include any of the restricted course elements below. |
| Vocational Learning | By Referral Only |
| Playing Instruments | As standard |
| Learning a new sport | Covered with the relevant Sport & Activity Pack, providing it's not the main purpose of your trip. |
| Restricted Course Element | Cover |
|---|---|
| Lifting of carrying of heavy items (over 25Kg) | No Cover |
| Working directly with Animals | No Cover |
| Working at height over two storeys (6m) | No Cover |
| Working underground | No Cover |
| Working with heavy machinery or power tools | No Cover |
| Working with chemicals | No Cover |
| Working in a commercial kitchen | No Cover |
| Working in a healthcare environment | No Cover |
If your course isn't purely classroom or online learning then we'll consider it vocational learning, so long as the course doesn't include course elements stating 'No Cover' above, please contact us with an overview of the course you're looking to take so we can let you know if we can provide cover.
All our policy benefits are subject to terms, conditions and exclusions. Please refer to the policy wording for full details.
