Whether you're jetting off on a round the world adventure or you're spending winter in the sun, sort out your long stay travel insurance before you go.
What's long stay travel insurance?
Many standard travel insurance policies only provide cover for up to 30 days. So if you're planning to spend the winter in Lanzarote or six months exploring Australia and New Zealand, standard travel insurance won't give you adequate cover.
Long stay travel insurance provides cover for more than 30 days, and can cover you for a year or even longer. It's designed for people who are planning an extended trip – either to one place for a long time or travelling from one destination to another.
We’ll cover you for a single trip of up to 366 days if you’re under 65 years of age, or 90 days if you’re between 65 and 79 years old, or 31 days if you’re aged 80 or over.
Long stay travel insurance provides cover for more than 30 days, and can cover you for up to 366 days.
Can I just buy annual multi trip insurance?
What's covered with long stay travel insurance?
Like other travel insurance policies, long stay travel insurance usually covers you for:
Emergency medical treatment
Wherever you are in the world, you'll want to know that you can afford to pay for any emergency medical treatment you may need.
Long stay travel insurance provides cover for unexpected emergency medical treatment and will pay for you to get home if you're too unwell to continue your trip.
Many countries expect you to pay some or all of the cost of your care, so it's important not to skimp on your cover. For example, treating a stomach infection in hospital in the US with return flights could be extremely costly.
Cancellation and curtailment
When you're away on a long trip, there are bound to be a few hiccups. And if things go really wrong, you may have to cancel or cut short your holiday.
If you do, you should be able to get some money back for any tickets and accommodation you paid for but didn't use. LV= will also cover you for any missed excursions you booked in advance.
Lost, stolen or damaged possessions
If you're moving from place to place every few days, it's easier for things to get lost. Long stay travel cover can insure your valuables up to a certain limit, so if you lose your phone or passport, you'll be reimbursed.