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Compare long stay travel insurance

Compare long stay travel insurance

Travelling for months at a time can be an amazing experience. But in far-flung locations you'll want to know you've got your medical expenses covered at the very least, not to mention your possessions. So, make sure you've got travel insurance in place before you set off.

Patrick Ikhena
From the Travel team
minute read
posted 19 NOVEMBER 2019

What exactly is long stay travel insurance?

Long trip travel insurance covers you for 3-18 months (and can be extended if you're not quite ready to come home). It's sometimes known as backpacker travel insurance. But it's also useful, if for example, you hate British winters and prefer to seek the sun and spend them abroad, or want an extended stay with relatives overseas. It can also sometimes be used for overseas stays that are clearly temporary, even if you are working – for example with a working holiday visa – but you will need to check the exclusions to make sure you're covered.

It can be really useful for anyone spending a gap year or career break abroad.


On 4 April 2020, the Foreign and Commonwealth Office advised against all non-essential travel overseas for an indefinite period. In this unprecedented time, we are temporarily not providing travel insurance comparisons for trips outside the UK, until we have complete confidence we can get you a policy to meet your needs.
As of 23rd March 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.
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 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
  • holiday cancellation cover – make sure this is at least equal to the cost of your holiday.
  • flight cancellations and missed connections – your travel insurance may also provide cancellation cover in the event that you have to cancel your holiday due to illness or jury service. This could ensure you get your money back. Just make sure the level of cover is sufficient to cover the cost of your trip. Cover for things like a missed connection isn't included in all policies, so if you want to be covered for this, make sure you check the policy T&Cs
  • damage, loss or theft of your baggage – £1,500 could cover the cost of your suitcase or rucksack and its contents. But you may want higher cover if you're taking expensive gadgets or designer items. Make sure you've added up the cost of your belongings and include any expensive items too – check the maximum value for any single items too, so you cover your needs

And choose your voluntary excess carefully as you need to make sure you can afford to pay it in the event of a claim.

What else do I need to look out for with a long stay travel insurance policy?

Keep an eye on what's excluded with long stay cover:

  • Check the country you're going to is covered by your chosen policy. As a rule-of-thumb, the countries that probably won't be included are the ones the Foreign and Commonwealth Office considers too dangerous to visit – if in doubt, always ask your insurance provider before you take out a long stay policy. You may also want to find out what happens if the advice changes while you're on your trip and you need to change your plans
  • Check what activities are covered – if you're planning on doing nothing but sitting and meditating on a beach for three months, you probably won't need the same level of cover as you would do if you're heading to do some extreme sports like bungee jumping, white-water rafting or climbing. Again, always check in advance. You want it to be your insurance provider and not you who has to sort out the rescue helicopter bill when you twist your ankle in a remote part of the world
  • Check your gear and gadgets are covered by your policy too. If you're using super hi-tech kit, then it's probably not standard cover and additional gadget cover could be considered

Should I consider my home insurance while I’m away?

Yes. Don't forget that if you own your own home then you'll need the right home insurance cover while you're away. Some insurance providers will have exclusions regarding how long your property can be unoccupied for. (Not something you want to worry about while you're travelling.) If you're renting out your property while you're away, you will need landlord's insurance.

Where can I compare long stay travel insurance quotes?

We've made searching for long stay travel insurance quotes quick and easy, so you can compare travel insurance policies across the board to find the one right for you, with minimal fuss.

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