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.

Wouter Van Rijn From the Travel team
5
minute read
posted

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.

What does long stay travel insurance cover?

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.

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

Where can I compare long stay travel insurance quotes?

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Where can I compare long stay travel insurance quotes?

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