90 day travel insurance
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.
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).
As of 23rd Match 2020, the UK Government announced a series of restrictions to travel, public spaces and gatherings. For a minimum of three weeks, people are being instructed to stay at home whenever possible. For this reason, travel insurance policies purchased from this date, for trips within the UK with a start date before 13th April 2020, will not be valid.
The UK Government also instructed all British tourists and travellers, that are currently abroad, to return to the UK as soon as possible.
As of 17th March 2020, the Foreign and Commonwealth Office (FCO) have advised against all non-essential travel abroad for an initial period of 30 days. This means that any travel insurance purchased from this date, for trips outside of the UK with a start date before 16th April 2020, will not be covered by the provider.
Coronavirus was declared a pandemic on 11th March 2020, so this may also affect your policy, particularly those taken out on or after that date. Please check any existing policies carefully, to find out what you’re covered for.
For more information please see our travel insurance and coronavirus pages.
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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