Guide to Long Stay Travel Insurance

If you're off on your travels for a long period of time, you should look into the option of taking out a long stay travel insurance policy. Nearly all standard travel insurance policies contain a limit on their period of continuous cover. This is usually set at around the 90 day mark. A long stay travel insurance option is designed to combat this specific exclusion.

Before searching the market to find your best long stay travel insurance policy, check any existing travel cover you may already have. The details of each policy will differ but it may be that a standard policy can provide you just enough length of cover - negating the need for long stay travel insurance.

Who needs long stay travel insurance?

More of us are taking lengthier trips to see family, travel the world or even take up a temporary job opportunity abroad. If this is you, you should consider a long stay travel insurance policy. This product can provide you with the protection you'd expect from a travel insurance policy minus the low restriction on your length of stay.

Long stay travel insurance and medical expenses

Not every country has a free health service as we do in the UK. The longer you spend time in another country, the higher the chances are that you'll need to pay for medical or dental services at some point. Long stay travel insurance can provide you with financial protection against this kind of expense - and it can be considerable!

Long stay travel insurance risks

When buying long stay travel insurance, be sure to inform your travel insurer of any relevant activities which you may be undertaking. Hazardous or adventurous activities carry their own special risk and if this is not covered by your long stay travel insurance policy, your insurer will probably extend your long stay travel insurance cover to include this.

Details of exclusions, special risks and procedures will be detailed in your long stay travel insurance documents. It is important that you know exactly what's included in here before you leave the UK. Long stay travel insurance can provide you with valuable support when you're miles away from home - can you put a price on that?!