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.

Originally posted: 20th Oct 2022

What is long-stay travel insurance?

Whether you’re heading off to warmer climes for the winter months or planning an exciting adventure for a gap year – you can count on us to help you find the perfect insurance policy for your needs.

In minutes, we help you compare policies from over 30 leading providers using our online comparison tool. Simply click the button above to get started. Alternatively, for more information, keep reading.

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What does long-stay travel insurance cover?

Long-trip travel insurance covers you for the exact same things as a standard travel insurance policy - only for a longer duration of time.

This includes the basic things, such as: 

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

Depending on the provider, you might also get a wide range of other areas covered. For example, some of the providers we’ll recommend offer cover for travel documents as standard because the risk of losing or misplacing these when away for a long time is higher.

You’ll also be able to add optional extras to your policy, as you can with our single trip cover and multi-trip policies. These extras include:

Who can get long-stay holiday insurance?

We work with you to ensure you get the long-term travel insurance policy that suits your needs.

We understand that some people might worry about how their age affects their policy. Although some insurers do have upper age limits, we show you quotes from a range of companies to make sure there will be one that suits you. So, whether you’re 18 or 80, we’ll be able to find a quote that works.

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Can I add cruise cover for a long-stay policy?

Yes, you can add cruise cover to any of our insurance policies so long as the duration of your cruise can be covered. To do this, simply add cruise cover and proceed through to our quote comparison tool as normal.

Cabin in the Woodd

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

We specialise in helping people get medical travel insurance. When you look for a quote, you’ll be given the option to declare your own, or your travelling companion’s conditions and get a quote tailored to your situation. This way, if you have a medical emergency whilst travelling, you don’t need to worry about juggling medical bills with getting better.

As well as declaring current medical conditions, our simple medical screening will ask you about past diagnoses and prescribed medication to ensure you’re getting a quote that’ll leave you fully covered.

There is a chance that your medical condition might affect your premium, especially if you’re travelling to a country with private healthcare (such as the USA) where returning home would cost a lot.

What to consider when going away for a long trip

One of the main things to consider when going away for a long time is whether you might need to amend or upgrade your home insurance policy. If you are leaving your property empty during your trip, you’re existing policy might not cover you and so finding out is essential.

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. 

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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 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 that 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 64, who has no medical conditions and is travelling to France for 90 days. The price is correct as of July 2024. Prices may vary according to your individual requirements.

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If we're unable to help you find cover for a pre-existing medical condition, the Money Helper Directory has listings of companies that may be able to assist you. Further details can be found on their website.

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