Compare the best long-stay travel insurance

Going travelling for a long time? If you want the best cover possible, look for long-stay travel insurance to get comprehensive cover for your whole trip.

  • Get quotes in under five minutes
  • Choose your extras
  • Compare long-stay travel cover from leading providers
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Compare long stay travel insurance from leading providers

Looking through a range of options gives you more chance of securing a great deal. You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.

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How to compare long stay travel insurance

1

Enter your details

Let us know what you need so that we can find our best long stay travel cover policies for your trip. Declare any medical conditions and also any extras such as extreme or winter sports cover.

2

Compare your options

Have a look through the options as cost can vary significantly between providers. The cheapest travel insurance option might catch your eye however check the terms to ensure you're fully protected if you need to make a claim.

3

Apply and save

Many insurers offer discounts for applying online, while some only ever operate digitally, so to make sure you find the best travel insurance deals comparing quotes on the internet is a must. Once you've decided on the provider you want, simply apply.

When will I need long-term travel insurance?

Travelling can be a lot of fun, but the longer you’re away the more opportunity there is for something to go wrong. If you’re going on an extended holiday, you’ll need to have the right long-term travel insurance in place, so you’ll be protected if the worst happens. 

Many insurers only offer short-term cover, with some only lasting up to 31 days. If you’re set to be away for longer than that, you’ll have to find an insurer that specifically offers long-stay travel insurance. 

Longer-term insurance might also be necessary if you’re going travelling around the world, or on a gap year trip. In this case, a specialist backpacker travel insurance policy might be better, as it can offer benefits that are specific to your trip.

You might even be able to use backpacker travel insurance if you’re going abroad on a working holiday, but you’ll need to check the policy carefully to make sure.

What’s covered under long-trip travel insurance?

Long-trip policies vary greatly, so do your research and check each policy very carefully to see what’s included.

A good long-stay policy might include cover for:

Medical expenses

In some countries, especially the USA, medical treatment could cost hundreds of thousands of pounds. It could even reach millions of pounds if you need an air ambulance or have to spend a long time in hospital.

If you need medical attention while you’re abroad, you’ll be glad you chose a travel insurance policy with decent medical cover. The best policies will cover the cost of repatriation so you can be flown home if needed.

Lost or stolen baggage, money and personal belongings

Base the amount of cover you need on how much you’re taking with you. Usually, around £1,500 of cover would be enough to replace a missing suitcase or rucksack. But if you’re taking expensive jewellery, designer clothes or pricey gadgets, you’ll need more cover. 

It’s important to check if the policy has a single-item limit, which is the maximum value of any item you can claim for.

Missed connections

Not all policies include cover for missed connections, so read yours carefully to see what’s included.

Cancellation of your trip

Choose a policy with enough coverage to pay for the cost of the trip if it was cancelled through no fault of your own. You should aim to get back what you paid for it.

Cancellation by you

If you had to cancel your trip due to an illness, emergency or being called up for jury service, it would be nice to have cover to pay for the trip you’re missing out on. This isn’t something you can predict, so it may be important to build in the right amount of cover in case you end up having to cover the full cost.

This guide outlines what cover levels you should be looking for.

Add-ons for long-term travel insurance cover

Your cover can also be customised to better fit your trip. You do this by adding extra options like:

  • extreme and winter sports cover, such as bungee jumping, paragliding, skiing and snowboarding

  • business cover to provide insurance for travel as part of your job

  • golf cover for loss or damage relating to golf

  • pre-existing conditions cover, which is useful if you suffer from illnesses such as diabetes or high cholesterol

Look carefully at what level of cover you need before you take out a policy. You’ll likely want the peace of mind offered by medical cover at the very least. 

Don’t forget to check the excess on the policy you’re looking at, too. The excess is the amount you’ll have to pay to make a claim, so make sure you can afford it.

How long will long-stay travel insurance cover me for?

Usually, when people refer to long-term travel insurance, they mean travel insurance that lasts between two and 18 months, although it can be longer. 

You should be able to find cover for at least 120 days (four months) fairly easily.

This kind of long-term travel insurance is ideal if you’re:

  • going abroad to visit friends or family for a few months

  • travelling around several countries

  • spending winter in a holiday home

If you’re going for a more extended period, look into six-month travel insurance, or perhaps even longer cover. 

How do I get pre-existing conditions cover as part of my long-trip travel insurance?

When getting quotes, you need to explain a little about any pre-existing conditions you have. Your insurer may also ask about your medical history. Then it should offer you some specialist cover based on the information you share.

Specialist long-trip travel insurance might be available for conditions such as:

  • respiratory illnesses like asthma

  • high blood pressure

  • high cholesterol

  • diabetes

  • cancer

  • stomach problems

  • inflammation of the bones or joints

Be as honest and accurate as you can in terms of what information you share. This ensures you get the right cover and reduces the chances of any claims you make being rejected. Being dishonest could invalidate your long-term travel insurance policy.

How much does long-term travel insurance cost?

The price of long-term travel insurance varies depending on several factors. This includes:

  • how old you are

  • where you’re travelling

  • how long you want the cover to last

  • what level of cover you want

  • whether you have any pre-existing medical conditions

  • whether you want any other specialist add-ons

The level of cover an insurer is willing to give you may also be based on the first three factors in this list, so not all options will be available to everyone. Compare your potential insurance options before buying to get the deal that matches the price and cover you’re looking for.

Tips for choosing long-stay travel insurance

When you’re looking for long-trip travel insurance, there are a few things you can do to make sure you get the right cover at the best price.

  • Shop around. Compare long-term travel insurance by clicking the link at the bottom of this page to find the best deal

  • Check which countries are covered. Generally, if the Foreign and Commonwealth Office (FCO) thinks a destination is unsafe for travel, it won’t be included on your policy. Double-check before you buy your long-stay travel insurance policy that it’s suitable for your trip. It’s also worth looking into what would happen if the FCO changed its advice while you were away

  • Check what activities are included. The nature of your travels will affect what kind of cover you need. For example, if you’re doing extreme or winter sports, you’ll need a greater level of cover than if you’re just relaxing on a beach or visiting family. Talk to your insurance provider and check your policy to make sure you’ve got the right cover for your needs

  • Look at what gadgets are covered. If you need to take expensive gadgets or specialist equipment on your travels, check what your policy includes as standard. Specialist equipment could be for sports or music, for example. A standard long-stay travel insurance policy might only include cover for basic gadgets like your phone, but not for other hi-tech equipment. So double-check before you travel

  • Check what age range the policy covers. Many policies have a maximum upper age limit. Check whether yours does and make sure you’re within it

Does my annual travel insurance policy offer long-term travel insurance?

Probably not. Annual travel insurance policies last for a whole year, but most have a limit on how many days in a row you can spend travelling. This is around 31 days at a time so, if you’ll be away for longer than that, you’re best off choosing a long-stay travel insurance policy.

Pre-existing medical conditions

You can still get a quote through money.co.uk if you have a pre-existing condition, including cancer or severe heart or respiratory complaints. People who have had strokes or are terminally ill can also get a quote.

Some insurers might not cover you if you already have a severe medical disorder or a number of conditions, and others may only offer insurance at a much higher price. If you’re unable to find suitable cover, talk to the Money and Pension Service (MaPS). It has a directory of insurers willing to cover customers with pre-existing medical conditions.

You can contact the Money and Pensions Service (MaPS) through its website or telephone the team on 0800 138 7777.

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Travel more, spend less

What you need to know to get as much holiday for your money as you possibly can - from where to go, how to get there, the best way to spend while away and your rights if anything goes wrong

Last updated: 2 May, 2022