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Long-stay travel insurance covers you for trips lasting longer than a month - usually up to 18 months.
It's perfect for backpacking, extended stays with friends or family, or if you just need to get away from the British winter.
Long-stay travel insurance should include cover for:
You might be able to add on cover for adventurous activities, watersports, a cruise or a business trip.
There’ll be exclusions on your policy. For example, you might not be able to get cover for destinations the Foreign and Commonwealth Office (FCO) has advised against and claims might be rejected if your claim’s the result of taking illegal drugs or being drunk.
Some policies have upper age limits.
The length of time you’ll be covered for will probably reduce as you get older, but there are some providers who specialise in covering older travellers and don’t have an upper age limit.
It's not uncommon for long-stay travel insurance to have a minimum age too. It's usually 18, but some are available for 17 year olds.
Annual travel insurance might seem like an alternative to long-stay insurance, they actually cover very different things
Annual or multi-trip insurance will cover you for two or more trips within a 365-day period.
Each individual trip can’t be longer than 31 days.
Your policy start date must be within 30 days of the day you compared travel insurance - but your trip can start later.
This cover is only for multiple, short trips. It isn’t suitable for extended holidays.
Long-stay cover - sometimes called extended or backpackers insurance - will cover you for a single trip that lasts at least a month or more.
This type of policy doesn’t cover multiple trips, it just covers one long getaway.
If you’re planning an extended trip, but you’re worried about how your medical conditions could affect your travel insurance, here’s what you need to know:
List all of your pre-existing medical conditions on your policy. Any medical treatment you need abroad won’t be covered if it’s related to an undisclosed condition.
According to consumer group Which? you should look for policies with at least £2m medical cover for holidays in Europe and £5m for worldwide travel per person.
Make sure you take your European Health Insurance Card (EHIC) for travel in Europe. Some insurers won’t cover anything you could use your EHIC for instead.
You might already have travel insurance
Sometimes it's included as part of a packaged bank account, or a credit card deal. Check before buying travel insurance, because having more than one policy can complicate claims.
Most home insurance policies have a clause stating you can’t leave your property unoccupied for more than a month or so.
Read your home insurance policy to find out the specifics and give your insurer a call to let them know about your trip.
You might need dedicated unoccupied property insurance if you plan to be away for a long time.
Yes, so long as your insurance covers all your intended destinations under its worldwide or European policy.
Yes, some providers will adjust your cover for free, others will charge. Not all will let you extend your stay though.