Compare travel insurance easily by following these steps:
Exactly what's covered will depend on your policy. But, here's what you can typically expect to be included on a 90 day travel insurance policy:
It’s important to read your policy documents to understand what isn’t covered. Let’s take a look at what’s often excluded from travel insurance:
"If you're about to head off on an adventure for 3 months, right now, you're probably working out how to fit 3 months' worth of stuff in one bag. Take a break for a minute and make sure you have the right travel insurance. Think about what activities you want to do. If you're going skiing or doing any extreme sports, you need to let your insurer know. If you're super organised and you've already bought travel insurance, make sure it covers your entire 90 day trip."
This depends on your insurer. When you get a quote, we'll ask how long you're travelling for. Simply select your departure and return dates and we'll show you policies that cover your whole trip. Some insurers may only cover shorter trip lengths, especially for older travellers, so your choice might be more limited than it would be for a shorter holiday.
If you're already travelling and decide you're not ready to come home yet, you may wish to extend your travel insurance policy. To do this, it's best to contact your insurer directly as soon as possible - ideally before your policy expires. Some insurers will allow you to extend your policy past 90 days, but you'll probably have to pay for the extra cover.
Yes. The Global Health Insurance Card (GHIC) isn't a replacement for travel insurance, although it's still useful to have one. The GHIC and EHIC allow you to access state-level healthcare in participating countries. But, you'll still be expected to pay your medical bills if you have any. This is where travel insurance can help.
Travel insurance also covers more than just medical care. For example, it can cover you if you lose your luggage, cause damage to someone else's property, or even need to cancel your trip altogether.
Travel insurers generally impose shorter trip limits for older travellers. So, if you're over 70 you might find your options for 90 day travel insurance are far more limited. It's also likely to cost more. This is because as you get older, your risk of injury increases.
If you're over 70 and looking for cover, try comparing quotes with us. We'll show you a list of insurers that offer travel insurance for over 70s. All you need to do is pick the policy that best suits you!
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Is the perfect policy for those who plan to travel for an extended period.
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