A simples guide

Backpacker and Long Stay Travel insurance

If you’re looking for long stay travel insurance, maybe it’s because a week or two just isn’t enough time to properly de-stress these days. Or maybe you’re heading off around the world backpacking.

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. Whether it’s for you or your overly optimistic eighteen year old, make sure you’ve got travel insurance in place in case of any mishaps. 


What is long stay travel insurance?

Long trip travel insurance covers you from between 3 and 18 months, and can be extended if you’re not quite ready to come home. It’s sometimes known as backpacker insurance, even if you’ll be living in the lap of luxury and your bag of choice is quite clearly a wheely case.

Keep an eye on what’s excluded with long stay cover. Check where you’re going is covered by your chosen policy. As a rule-of-thumb, the countries that probably won’t be included are the ones the Foreign Office considers too dangerous to visit. If in doubt, always ask your insurer before you take out a long stay policy.

It’s also worth checking what activities are covered. If you’re planning on doing nothing but sitting and meditating in an Ashram in Thailand for three months, you probably won’t need the same level of cover as you would do if you’re heading to Mount Everest. Again, always check in advance. You want it to be your insurer and not you who has to sort out the rescue helicopter bill when you twist your ankle in a remote part of the Himalayas.

Check your gear and gadgets are covered by your policy too. Using super hi-tech kit to photograph whales off the coast of Antarctica? Sounds fantastic. But it’s probably not standard cover and additional gadget cover could be an option for you.


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tourists backpack

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. 

What does long stay travel insurance cover?

Once you’ve sorted your long stay travel insurance you’re all covered and ready to go. Don’t forget that if you own your own home then you’ll need adequate home insurance while you’re away. Some home insurers will have exclusions regarding how long your property can be unoccupied for. Not something you want to worry about while you’re travelling.

It can seem a little confusing picking the best long stay travel insurance with so many options out there, especially when actually planning the trip is so much more exciting. We know that rooting around for long trip travel insurance is probably not top of the list of things you’d like to be doing. Luckily at comparethemarket.com, we’ve made searching based on your needs a breeze, so you can easily compare long stay travel insurance policies across the board to find the one best for you, with minimal fuss. 


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