So what does long stay travel insurance cover?
The level of cover you get can vary considerably between providers, so keep an eye on the details and check how much excess you’d need to pay if you did make a claim.
If you don’t want to shell out too much but want to be confident you’ve got a reasonable level of cover, you might want to consider:
- Medical expenses: on a long stay trip, it’s a good idea to have the most comprehensive medical cover available. You may want to consider cover from £3 million pounds or more and make sure it can cover emergency repatriation in case you need to be flown home.
- Cancellation cover: make sure this is at least equal to the cost of your holiday.
- Baggage Cover: £1,500 should cover the cost of your suitcase and its contents. Make sure you’ve added up the cost of your belongings and include any expensive items too.
And choose your voluntary excess carefully as you need to make sure you can afford to pay it in the event of a claim.