Modified on 27th Aug 2019

Guide to travel insurance for long trips

Get a long-trip travel insurance policy suited to you. Ensure any medical conditions you have are properly covered when you use Medical Travel Compared.

Whether you’re heading off to warmer climes for the winter months, or planning an exciting adventure over a longer period – regular insurance might not be enough.

That’s where our long-trip plans can benefit you. They can keep you covered for the duration of your trip, from beginning to end. Giving you complete peace of mind for the entire time you’re away.

Get long stay travel insurance with pre-existing medical conditions

When buying travel insurance, it’s important to declare any medical conditions you have. If you don’t, and something happens as a result of your condition, then you probably won’t be covered – at least not extensively.

We specialise in medical travel insurance, so you can find an affordable policy that meets all your requirements. When you look for a quote, you’ll be given the option to declare your condition. This is so you can easily get a quote that is tailored to you. When you purchase an insurance policy – make sure to check through all the details, to ensure your medical condition is covered.

What’s the maximum trip duration for travel insurance?

Most travel insurance policies typically offer a maximum trip length of 31 days. And despite their name, this rule of thumb also applies to many annual multi-trip insurance policies who will only cover you for a maximum duration of just over a month.

If you’re thinking of buying an annual policy or perhaps you already have one in place, err on the side of caution if you’re planning a long break.

Although an annual policy may run for 365 days, it doesn’t cover you to be away for the whole year. For this reason, it's wise to check the maximum trip duration limit on the policy so you don’t get caught out.

The more common solution for extended trip travel insurance is to buy a one-off, single trip policy that will cover you from the day you leave the UK until the day you arrive back.

Does the level of cover offered change depending on how old I am?

Yes, it can do. Medical Travel Compared is a comparison website – so we search through all the providers to find you the best deal. But all providers are different, and have their own requirements for certain policies.

Many might have restrictions on the type of policy you can buy depending on your age. For example, they might not want to cover a person for a long period of time if they are over 80. Or, they will cover that person, but the cost will be a little higher.

However, long-stay holiday insurance for over 50s is likely to be the same as for under 50s. Either way, we’ll search to find you the best possible quote based on your circumstances.

Be covered for all the destinations you plan to visit

Whether you’re visiting the USA, Europe or Africa, it’s important that you tell your insurer where you’re going so that you can be issued with a policy that permits you to travel to all your intended destination points.

Be aware that insurers can group countries together differently; for instance, some will include Tunisia, Morocco and Egypt within Europe, whilst others will class them as Worldwide.

Can you go to multiple countries on a long stay policy?

Yes, absolutely. When you look for a quote with Medical Travel Compared, you’re given the option of listing all the countries you intend to visit on your trip.

Simply make sure you name each one – and we’ll find you as policy that ensures coverage during each stage of your holiday. If you don’t list each country – then it’s very possible you will not be covered whilst in that particular location. And if anything happens in that time, you might find yourself out of pocket. So it’s best to be as detailed as possible when getting an insurance quote.

If you run into any problems whilst filling out the application form, don’t hesitate to contact our customer services team. They’ll be happy to help in any way they can.

Declare your pre-existing medical conditions

If you take prescribed medication or have ever been diagnosed with any heart, respiratory, stroke or cancerous conditions, you will need to declare them when applying for cover. Failing to do so could invalidate your policy, leaving you to pay hefty medical bills if you become unwell whilst away.

When you have medical conditions, it’s also worth knowing that where you travel can affect the premium. Areas that operate a high level of private healthcare, or where it’s costly to be repatriated from, such as the USA, Canada and the Caribbean can make long term travel insurance more costly and tricky to obtain.

Frequently Asked Questions

Single trip insurance is for one off, individual trips and will cover your specified travel dates. This is usually up to 45 days, however, some insurance providers can cover up to 94 days. If you’re not a frequent traveler, single trip cover is a great option and will likely out cheaper than annual multi-trip cover.

If you travel 2 or more times a year, annual trip cover may very well save you money. The maximum duration of any trip will always be specified and will vary by provider. But don't worry, when you get a quote we'll ask you what your maximum trip length is and only show you quotes which match!

You will need to add each country that you are visiting. If you are on a flight stopover this will include any countries where you leave the airport. If you are on a cruise it include any countries where your ship will be docking at.

Gadget cover, such as for mobiles, laptops and tablets, can be added as an optional extra to your quote. If you are going on a long trip, it may very well be worth ensuring you have gadget cover in place.

A pre-existing condition is a diagnosed medical condition that existed prior to taking out a policy. We'll ask a series of questions about the medical history for you and any travellers on your quote. If you answer yes to any of these, you will need to tell us about the travellers conditions. This could be a condition that a traveller has now, or has had in the past. If you are not sure what conditons you need to declare, we have online support available to help you 24/7!

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