What is long stay travel insurance?
So, you like to linger around just a little while longer?
There’s nothing wrong with that… But, you might want to consider long stay travel insurance cover to your single trip or annual travel insurance policy.
You’ve probably already worked out what long stay insurance is about based on the name, but since you’re here - we may as well break it down for you properly.
Long stay travel insurance is all about long term cover. And, by long term - we mean it can sometimes cover 90+ days (depending on which provider you go with) for single trip insurance. For annual cover, we’re talking a maximum of 90 days per individual trip. .
Essentially, long stay cover is for extended trips. Big holidays that might potentially take up a considerable chunk of your year.
And, if you’re the type of person who’s prone to this sort of trip - you’ll be pleased to know that you can compare quotes for policies including long stay travel cover right here, with us.
No commotion. No fuss. Just quick and easy access to leading insurance providers - all in one place.
What does long stay travel insurance cover?
Long stay cover is an added benefit of a single trip or annual multi trip insurance policy - but, in addition to this, you should always ensure your policy also includes a few other basic items as an absolute minimum.
The first thing to look out for is cancellation cover.
When you’ve organised your life to cater for the fact you’re going away for a quite a long time - cancellation can be a very bitter pill to swallow, not least because of the money you’re likely to have invested to make the trip a reality.
Cancellation cover protects your investment (minus any excess) and helps to soften the blow of having to cancel your plans.
It’s also vital that your long stay policy includes medical cover. We all experience sickness from time to time, but when you’re away for a longer period of time - there’s arguably more of a chance that you could fall ill at some point.
Insurance providers will take this sort of thing into account. Therefore, you’ll want to make sure the limit for medical coverage is quite high, just to be on the safe side.
The same principle applies to personal liability cover. The longer you spend in a certain place, the more likely you are to be involved in a minor accident.
Of course, the chances of this are still massively slim - and this is all based on probability. We’re sure you’re a very responsible person!
But accidents can happen nevertheless, and you’ll definitely thank yourself for taking the time to make sure your covered for them.
Other things to consider before taking out long term travel insurance
Besides the common sense stuff, there’s a few things about long stay insurance that you might not be familiar with.
The main thing to bear in mind is that some insurance providers might vary the duration of long stay coverage based on your age and where you’re actually travelling to.
But, the great thing about our service is that we match you to the best insurance policies based on your personal information and travel requirements.
That way, you don’t need to waste time speaking to countless different providers to see if they can meet your needs on the off-chance.
How to compare long term travel insurance
Getting long stay travel insurance with us is a walk in the park.
That’s because we generate all the most relevant quotes for you, so you can compare with ease.
We’d always recommend favouring the level of cover over getting the cheapest possible deal. When you’re going abroad for a long time, you want to ensure that you’re fully protected - for your own peace of mind at the very least.
Why don’t you come and see for yourself? We work with a leading panel of insurance providers, so we should be able to help you find a suitable policy including long stay cover in no time.
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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 here.