Tommy Lloyd
Author: Tommy Lloyd, Managing Director

Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover for their medical conditions.

What is long stay travel insurance?

Whether you’re heading off to warmer climes for the winter months, or planning an exciting adventure over a longer period – you can count on us to help you find a single trip or annual multi-trip travel insurance policy to keep you covered for a longer duration of time per trip.

We work with a variety of leading providers who offer cover for longer trips. 

You can compare cover in minutes through our straightforward quote comparison tool. Or, if you’d like to know more about long stay travel insurance - you can navigate this page via the menu and find the answers to some of the most frequently asked questions on the subject!

COVID-19 Medical Cover

We’ll only show you quotes from providers who cover emergency medical expenses (including repatriation to the UK) if you catch the virus whilst travelling abroad.

Enhanced COVID Cover

Extra cover that'll give you & your holiday even more protection against COVID-19. Compare quotes from leading providers with this additional cover today.

What does long stay travel insurance cover?

Long stay travel insurance covers you for the exact same things as single trip insurance and annual travel insurance - only for a longer duration of time (per trip). 

This includes the basic things, such as: 

  • Cancellation 
  • Personal Accident
  • Medical and Repatriation Expenses 
  • Mobility Aids
  • Baggage Loss 
  • Theft 

You might also find other areas of cover available for long stay insurance. For example, certain providers might offer specialist cover for your important travel documents (since you’ll be away for a long time - the risk of losing or misplacing these documents is higher than usual).

What are the different levels of long stay travel insurance cover?

Yes, there are different levels of long stay travel insurance across different single trip and annual multi-trip travel insurance policies. Some providers will cover you for a longer period per trip than others.

On long-term trips especially, different people have different needs - so if you feel like it would be a sensible move to upgrade your cover in some areas just to be on the safe side, then feel free to do so.  

It’s also important to bear in mind that 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.

Optional extras

Before comparing cover with us, you have the option to add on extra coverage for winter sports, gadgets - and also specialist cruise cover. 

While these are optional extras - it’s important to tell us if you are going on a cruise or partaking in any winter sports activities to make sure you’re fully covered. 

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Can I add cruise cover for a long stay policy?

To reiterate the above - yes, you can add cruise cover to your long stay policy as long as the duration of your cruise can be covered. 

To do so is very simple. 

All you need to do is add cruise cover and proceed through to our quote comparison tool as normal.

Can I get long stay insurance if I have a pre-existing medical condition?

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 own, or your travelling companions conditions. 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.

If you take prescribed medication or have ever been diagnosed with any heart, respiratory, stroke or cancerous conditions, it’s likely that you might 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.

Things to consider when looking for long stay cover

There are a couple of things you might want to keep in mind when comparing cover for a longer-than-usual trip abroad. 

For example, you might want to strongly consider optional extras like gadget cover if you’re going to be away from home for that extra amount of time. 

You should also strongly consider value over cost. You might find cheap quotes enticing, but it’s always sensible to favour the policy that has the best cover over the policy that costs less. 

Besides specialist travel cover, you might also want to address home insurance. You’re existing home insurance policy might not cover you for long periods abroad - so it’s always worth checking before making any lengthy travel arrangements.

Compare deals and get the best long stay cover

First and foremost, you’ll need to select a single trip or annual multi trip policy - before selecting the number of days you need to be covered per trip. 

Based on this, we can provide you with quotes from providers offering the required longer duration of cover that you need.

Then, you need to list 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, don’t hesitate to contact our customer services team. They’ll be happy to help in any way they can.

Once completed, you’ll be able to compare quotes for long stay cover from a variety of specialist travel insurance providers - all in one place.

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Frequently Asked Questions

We’ll only show you quotes from providers who are able to cover emergency medical expenses (including repatriation to the UK) if you catch the virus whilst travelling abroad.

Some of our providers are able to offer additional cover, such as cancellation cover should you catch COVID-19 or have to self-isolate because of suspected symptoms before departure. We’ll make it clear who these providers are when you’re comparing quotes so you can choose the policy that is right for you.

This doesn’t apply to all insurance providers, so unless otherwise stated, for all other sections of cover, you wouldn’t be covered if making a claim as a result of COVID-19.

For more information, we recommend reading our full guide here.

If the FCDO are advising against all, or all but essential travel to your destination at the time of your trip, there will be no, or extremely limited cover provided by your policy.

You can still choose to take out a policy now for a future holiday, but it is very important to note that if the FCDO are still advising against all but essential travel to your destination at the time of your trip, your cover will not be valid.

For more information, we recommend reading our full guide here.

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 traveller, single trip cover is a great option and will likely be cheaper than an 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 includes 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 before 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 traveller's conditions. This could be a condition that a traveller has now, or has had in the past. If you are not sure what conditions you need to declare, we have online support available to help you 24/7!

* Price is based on 1 traveller aged 61, who has no medical conditions and is travelling to Spain for 90 days. Price is correct as of December 2019. Prices may vary according to your individual requirements.

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Don't just take our word for it...

If we're unable to help you find cover for a pre-existing medical condition, the Money and Pensions Service (MaPs) have launched a new directory listing companies that may be able to assist you. You can find out more information on their website.

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