With long stay travel insurance, your holiday doesn’t have to stop at a fortnight. We can cover trips of up to a whole year, whether you’re planning to travel the world or spend a season on the slopes.
What is long stay insurance and do you need it?
Long stay travel insurance is designed to cover your longer-than-average holiday, whether an extended 3-week stay or an epic round-the-world trip. This type of insurance also covers solo and group trips.
However, long stay travel insurance isn’t the same as annual travel insurance, which covers you for multiple trips during the year, rather than one long trip.
Long stay travel insurance is ideal for travellers who:
- Want to explore multiple countries for longer: Long stay travel insurance is ideal if you’re planning to hop between destinations during your long trip. Whether it’s wandering through the historic streets of European capitals like Paris and Rome, or soaking up the culture in Vietnam and Cambodia, long stay insurance keeps you covered for longer
- Are looking for cover for a range of sports and activities: All of our long stay travel insurance policies include cover for over 100 activities. From snorkelling in tropical Caribbean waters to hiking up Machu Picchu, you’ll be able to tackle any activity knowing you’re covered.
What does InsureandGo’s long stay insurance cover?
What’s covered?
All our long stay insurance policies include:
- Medical emergency expenses.
- Cover for cancellation of your trip.
- Over 100 sports and activities covered (see your policy wording for a full list of activities).
- Personal belongings and baggage cover.
- Personal money, passports and travel documents cover.
- Accommodation cover.
- Legal expenses cover.
Find out about our optional add ons for activities like extreme sports, cruises and golf.
What’s not covered?
There are some situations that travel insurance will not cover. For example:
- Claims for events or reasons which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
- Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
- All our long stay travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go
We will consider all pre-existing medical conditions. Find out more about medical travel insurance.
The excess and amount of cover available varies depending on the level of travel insurance you buy. Check the policy wording to see the full terms and conditions.
Further items and activities can be added to your travel insurance policy, making sure you are covered for your specific needs.
The best long term travel insurance for your holiday
Whether you’re heading on an extended solo trip to a few cities in Europe or a long break with your friends and family, we have a range of travel insurance policies that can cover longer stays:
- Worldwide: This policy is ideal if you’re looking to visit several countries. Just let us know which countries you’ll be visiting and we’ll quote you a price for the whole trip
- Family: Ideal for long stay family holidays. This type of insurance provides the same level of protection for all family members and covers everything from medical expenses to lost baggage and personal liability
- Business travel: Planning on a longer business trip? This type of insurance covers you for essential equipment that is lost, stolen or damaged during your trip. We’ll also cover emergency courier costs so you can get your items quickly
- Sports and activities: We provide cover for over 100 activities as standard, from abseiling to zip lining, with the option to add cover for more extreme sports.
- Golf: Extend your golfing and be covered for all your golf equipment and green fees for your whole trip
Choose a cover level to suit your travel needs
| Black | Gold | Silver | |
| Medical expenses and repatriation | Unlimited | £15 million | £10 Million |
| Cancellation and curtailment | £10,000 | £7,500 | £5,000 |
| Travel delay | Up to £650 | Up to £540 | Up to £450 |
| Personal belongings | £5,000 | £2,500 | £2,000 |
| Legal Expenses | £60,000 | £50,000 | £15,000 |
| Standard Excess | Nil | £50 | £60 |
How to book our long stay insurance
You can book your long stay travel insurance by following just two simple steps:
1. Tell us where you’re going, who you want to cover and some details about your pre-existing medical conditions.
Do this online now or give us a call:
2. Get your quote and your cover
Receive your quote and you can decide to either purchase your insurance policy straight away or save it for later.
“Being able to stay protected during longer trips allows you to travel with flexibility and confidence. Whether you need it for a long work trip or a holiday, long stay travel insurance provides cover for a number of essential risks for up to a year. Whether it’s unforeseen medical emergencies or having to come home early, knowing you’re properly covered allows you to travel and enjoy your trip with confidence.”
Lydia Crispin – Travel insurance expert
Long stay insurance with pre-existing medical conditions cover
Regardless of the duration of your trip, we’ll consider any pre-existing medical conditions. However, as with all policies, to be covered for your long stay you must declare any pre-existing condition you’re living with. Even if it’s a minor one. Failing to do so may result in your policy becoming invalid.
We might even be able to include your condition at no extra cost, although this depends on your condition and where you’re travelling to.
Some of the main medical conditions we cover include:
To learn more about what conditions are covered leading up to and during your trip, please have a look at our travel insurance for medical conditions page.
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Frequently asked questions on long stay travel insurance
Who is long stay travel insurance suitable for?
Long stay travel insurance is suitable for anyone!
Our single trip policies can cover trips of up to a year, and have no upper age limit. So if you’re planning to travel around Southeast Asia on your gap year, volunteering for some charity work abroad, or heading off on a long retirement getaway, you’re in the right place to get a quote.
What is the longest you can get travel insurance for?
Our long stay travel insurance covers you for trips lasting up to 12 months. This type of insurance is ideal for gap years, long cruises, extended family holidays or simply to spend more time exploring a place you love!
Does long stay travel insurance cover several countries?
Yes it can! Just let us know the countries you’ll be travelling through and we’ll quote you a price for the whole trip. To choose the right long stay travel insurance policy for you, get your quote online.
Does long stay travel insurance cover multiple trips?
No, long stay travel insurance does not cover multiple trips, it covers one long trip, and ends when you get back to the UK. If you want cover that will cover multiple trips for a whole year, you’d be better off getting our annual travel insurance instead.
How much does long stay travel insurance cost?
No, long stay travel insurance does not cover multiple trips, it covers one long trip, and ends when you get back to the UK. If you want cover that will cover multiple trips for a whole year, you’d be better off getting our annual travel insurance instead.
Can I buy long stay travel insurance after booking a trip?
Some travel operators may require you to buy your insurance at the same time as booking your trip. Others are more flexible as long as you obtain your travel insurance before you depart. We recommend buying your travel insurance as close to booking as you can, as you’ll be covered for issues like cancellation or delays straight away.
Does long stay travel insurance cover me while working abroad?
If you’re working with hand tools, then conservation or charity work is included as standard under all our policies. We can insure you for manual labour too, but you would need to add our hazardous activities cover to your policy.
Will I be able to extend long stay travel insurance?
If you decide before you travel that you’d like to stay away longer, don’t worry. You can extend your policy up to 365 days at any point before you leave the UK. If something happens abroad and you can’t return home as planned, such as an illness or injury, we’ll extend your policy for up to 30 days.
Who can buy an InsureandGo long stay insurance policy?
All our long term travel insurance policies are available to UK residents. This means:
- Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
- They must be in the UK at the time of purchase
- All trips must start and end in the UK
Get a quote online or browse our policy documents for more information.
Travel insurance guides
Frequently asked questions
If you’ve got more questions about how our long stay travel insurance works, or more holiday cancellation insurance queries, have a read through our FAQs.
Travel advice
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Travel insurance reviews
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