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Travel insurance and extended trips abroad

What to consider when looking for long stay travel insurance

Australian outback

So you've spent months planning it and now your extended trip is a reality. Whether you're jetting off for a round the world adventure or you plan to spend the winter in the sun, be sure to get your long stay travel insurance in place before you go.

What is long stay travel insurance?

Many standard travel insurance policies only provide cover for up to 30 days. This is fine if you're taking two weeks in Italy. But if you plan to spend the winter in Lanzarote or six months exploring New Zealand and Australia, then this type of travel insurance won't cut the mustard.

Long stay travel insurance provides cover for more than 30 days and often for up to a year or more. It's designed for people who are planning an extended trip – either travelling to one place for a long time or moving from one destination to another.

LV= provide up to 366 days of travel insurance cover with their single trip travel insurance for those under 65 and up to 90 days cover for those 65 and over.

provides cover for more than 30 days and often for up to a year or more

Can I just buy annual multi trip insurance?

No, not really. Annual multi trip insurance covers you for several trips taken over the year, but there is often a time limit to each trip of 30 days or so. After the 30 days you must come back to the UK.

So annual multi trip insurance is fine if you know you'll be travelling back and forth to the UK, but it won't often provide cover if you're away for more than 30 days at a time. However, if you take out Premier annual multi trip insurance with LV=, we cover you for up to 90 days each time.

So, for example, if you enjoy spending the summer in France and you know you won't be there more than 90 days in any one trip, but plan to go back several times, this type of cover may be fine.

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 to 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, The Foreign and Commonwealth Office estimates that the cost of treating a stomach infection in hospital in the US with return flights could be as much as £100,000.

Cancellation and curtailment

When you're planning to be away for a long time, things may not always go smoothly and at some point you may have to cancel or cut short your holiday.

If you do, you should be able to get some money back for the travel tickets and accommodation that you didn't use. LV= will also cover you for any excursions you booked ahead but couldn't take as well.

Lost, stolen or damaged possessions

If you're moving from place to place every few days or weeks, chances are something will get lost or damaged eventually. Long stay travel insurance can insure your valuables up to a certain limit so if you lose your phone or passport, you can be reimbursed.

What else do I need to consider before I buy?

Age

As you get older, you're likely to need complex medical care more often, which can be costly if you're staying overseas. That's why some companies put an age limit on their long stay travel insurance. So if you're over 65 and plan to be away from home for more than 90 days at a time, you may need to consider specialist cover.

Sports and activities

Part of the fun of being away is to try out new things. But if you fancy that bungee jump in New Zealand, just make sure your insurance covers you for ‘adventure' sports. The same goes for many water sports and even trekking at altitude.

Cover for all destinations

Make sure your insurance covers every single country you plan to travel to. LV= offer worldwide cover that insures you to travel anywhere in the world, unless the Foreign and Commonwealth Office advise not to go there.

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