"A lot of people forget that when you're travelling for an extended period of time, it puts you at greater risk of falling ill or getting injured. By taking out a long stay policy, you'll protect yourself against any emergency medical costs and potentially save yourself £1000's in medical bills."
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What's the difference between long stay and annual travel insurance?
Long stay travel insurance:
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Covers you for a single trip lasting between 1 and 18 months
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You can visit multiple countries in a single trip
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If your trip ends and you return home, you need a new policy before setting off again
Annual travel insurance:
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Covers you for multiple trips lasting up to 1 month each, within the policy term
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Only covers you for one destination per trip
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You're covered until the end of your policy, so you should only need 1 policy to cover all your trips
What does long stay travel insurance cover?
Exactly what's covered varies between providers and policies. It's important to check policy details before you buy insurance to make sure you've got suitable cover.
Cancellations and curtailment
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You're covered if you need to cancel your trip or cut it short due to an unexpected event. This includes things like you or a family member becoming ill or injured, or disruptions that prevent you from travelling.
Medical expenses and repatriation
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If you or someone you're travelling with needs emergency medical care, your travel insurance can help cover the cost of these bills. You're also covered if you need to be flown home for treatment.
Lost, stolen or damaged belongings
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If anything happens to your belongings, you can claim back the cost of replacing them. This includes any luggage you take with you, as well as travel documents.
Third party liability
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You're normally covered for any accidental damage you cause to someone else's property. Your travel insurance provides legal protection if you're held liable.
What's not normally covered by long stay travel insurance?
Travelling against government advice
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If you travel against the advice of the Foreign, Commonwealth and Development Office (FCDO), your travel insurance will be invalid. This includes travelling to countries that the FCDO advises against or not following guidelines for the country you're in.
Undeclared pre-existing conditions
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If you have a medical condition, you should let us know when you're getting a quote. If you don't, you risk your travel insurance being invalidated and any claims you make being rejected.
Known events
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'Known events' are global events that could put you in danger or disrupt your travel plans. Any events that are known when you buy your travel insurance aren't covered. This includes things like natural disasters or travel disruptions.
Adventure activities
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If you're planning any adventurous activities like skydiving or bungee jumping, you aren't covered by standard travel insurance. Some long stay policies may include cover as standard, but you might need a specialist adventure travel insurance policy.
Incidents that occur while you're under the influence
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If you're injured or you cause damage to someone's property while you're under the influence of drugs or alcohol, your insurance won't cover you.
Winter sports
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If you're planning on going skiing during your trip, make sure you've got the right level of cover. Some providers might include winter sports cover as standard, but you may need to add it as a policy extra or buy a specialist policy for an additional cost.
What our travel insurance expert says:
What optional extras can I add onto my long term travel policy?
Gadget insurance
Winter sports cover
Cruise cover
Frequently Asked Questions
Do I need to tell my home insurer if I'm travelling for an extended period?
Home insurance policies generally stipulate that you can't leave your property unattended for more than a month. In some cases, you might need to take out unoccupied home insurance. Before you leave for your trip, check your home insurance policy documents and call your home insurer to let them know you're going away.
Will long stay travel insurance cover me to work or volunteer abroad?
This depends on your policy. Some cover working or volunteering abroad as standard, others don't. You should let your insurer know what type of work you'll be doing before you buy your policy to make sure you've got suitable cover.
Some providers let you add cover for working abroad onto your policy if it's not included as standard. This normally comes at an added cost though, so consider whether you actually need it.
This type of insurance isn't a replacement for a working visa. You should check any legal requirements for the country you're travelling in to make sure you're legally allowed to work or volunteer there.
Working or volunteering insurance policies typically cover:
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Injuries caused by an activity associated with the work you're doing
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Third-party liability if you cause damage to someone else's property
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Loss, theft or damage of tools and equipment you use while working
Do I need travel insurance if I have an EHIC or GHIC?
The European Health Insurance Card (EHIC) and its replacement, the Global Health Insurance Card (GHIC) aren't a substitute for travel insurance. They offer you subsidised medical care, which means you pay the same as a citizen of the country you're in. However, many countries covered by the EHIC/GHIC don't have free healthcare, so you could still end up with medical bills to pay. Travel insurance can be used to cover these costs.
The EHIC and GHIC are also only valid in certain European countries. So, if you're travelling anywhere that isn't covered, you have to cover medical bills.
Travel insurance also covers more than just medical costs, unlike the EHIC/GHIC.
It's worth noting that some insurers do require you to have an EHIC or GHIC for your policy to be valid.
Explore other types of travel insurance
Page last reviewed: 08 May 2024
Reviewed by: Alvaro Iturmendi
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