90 day travel insurance

Taking some time out to travel can be a truly rewarding experience. Here’s why 90-day travel insurance is a good option if you’re heading off for an extended break.

Taking some time out to travel can be a truly rewarding experience. Here’s why 90-day travel insurance is a good option if you’re heading off for an extended break.

Patrick Ikhena
From the Travel team
minute read
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Posted 6 JULY 2020

What is 90-day travel insurance?

As its name suggests, 90-day travel insurance is aimed at those planning a trip of up to 90 days. This type of cover can be a cost-effective option if, for example, you’re taking a cruise or an extended stay at a holiday home.

Most travel policies set a limit on the length of any particular trip, typically around 30 days. If you’re travelling for between three and 18 months, you might also want to consider long stay travel insurance (sometimes called backpacker insurance).


Following new restrictions implemented on 5 January 2021, you can only travel internationally or within the UK if you're legally permitted to do so while the UK is under full lockdown restrictions.

The Foreign, Commonwealth & Development Office (FCDO), currently advises British nationals against all but essential international travel. See latest FCDO advice for further information.

Any insurance policy purchased to cover a trip to a destination where the local authority, or the FCDO, has instructed citizens not to travel, will not be valid.

For more information, please see our coronavirus and travel insurance page.

Until then, stay safe.

Customers with more serious pre-existing medical conditions

Our panel includes insurance providers who quote cover for all medical conditions declared on our website, with no exclusions.

The Money and Pensions Service (MaPs) has also launched on its Money Advice Service website a directory of insurance providers who may be able to provide quotes over the phone, if you have more serious medical conditions. Find more information at the Money Advice Service or by calling the British Insurance Brokers’ Association on 0370 950 1790.

What does 90-day travel insurance cover?

The level of cover you get with 90-day travel insurance varies between policies, so check each policy’s specific terms. There are two main kinds of travel insurance that can cover you for 90 days:

Single trip - Covers you for one trip lasting 90 days or more

Annual cover - Typically covers you for multiple trips over one year, but bear in mind that there’s usually a maximum length for each trip. 

Once you’ve found the right policy, make sure you keep your provider’s details with you in case you need to get in touch with them during your trip.

What should I look out for when choosing a 90-day travel insurance policy?

You should make sure a policy offers sufficient cancellation cover to protect the full cost of your holiday, should you have to cancel it for a reason listed in your policy – such as a close family bereavement or jury service. Again, check your policy wording as some events may be excluded, such as missing flight connections (even if it’s through no fault of your own). As a general rule, always take out travel insurance when you buy your holiday, no matter how far in advance this is of the trip, so that you’re covered straight away.

Check the single article limit. This is the most you can claim for any one item that’s damaged, lost or stolen during your trip.

Check the amount of baggage cover the policy offers – £1,500 will typically cover the cost of your suitcase or rucksack, and its contents. However, you might want more cover if you're taking expensive gadgets or designer items. And if you're packing hi-tech equipment, gadgets cover might be a worthwhile addition.

When comparing policies, think about any activities you’re planning while you travel. You may need extreme sports cover if you’re planning higher-risk activities such as white-water rafting or rock climbing.

How is 90-day cover different to multi-trip insurance?

While 90-day insurance provides cover for one trip lasting up to three months, multi-trip insurance can cover you for as many trips as you like within a 12-month period. However, a multi-trip policy may limit the total number of days for any one trip. Choosing multi-trip travel insurance can be cheaper than taking out a single trip policy each time you travel.

If you’re planning to visit several countries in one trip, long stay – or backpacker – travel insurance can be a good option. When you start a quote with us for travel insurance, tell us about all the countries you intend to visit as different countries may need different levels of cover.

What else should I consider before I go away?

If you’re going away for a few months, you should check that you have the right home insurance in place. Some providers set a limit on how many days (usually 30 or 60) that your main property can be vacant for – make sure you don’t exceed this. If you’re likely to be away for longer, get in touch with your insurance provider and ask them if you can add more cover to your policy.

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