HomeTravel InsuranceLong stay travel insurance

With long stay travel insurance, your holiday doesn’t have to stop at a fortnight. We can cover trips of up to a whole year, whether you’re planning to travel the world or spend a season on the slopes.

What is long stay insurance and do you need it?

Long stay travel insurance is designed to cover your longer-than-average holiday, whether an extended 3-week stay or an epic round-the-world trip. This type of insurance also covers solo and group trips.

However, long stay travel insurance isn’t the same as annual travel insurance, which covers you for multiple trips during the year, rather than one long trip.

Long stay travel insurance is ideal for travellers who:

What does InsureandGo’s long stay insurance cover?

What’s covered?

All our long stay insurance policies include:

  • Medical emergency expenses.
  • Cover for cancellation of your trip.
  • Over 100 sports and activities covered (see your policy wording for a full list of activities).
  • Personal belongings and baggage cover.
  • Personal money, passports and travel documents cover.
  • Accommodation cover.
  • Legal expenses cover.

Find out about our optional add ons for activities like extreme sports, winter sports, cruises and golf.

What’s not covered?

There are some situations that travel insurance will not cover. For example:

  • Claims for events or reasons which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
  • Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
  • All our long stay travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go

We will consider all pre-existing medical conditions. Find out more about medical travel insurance.

The excess and amount of cover available varies depending on the level of travel insurance you buy. Check the policy wording to see the full terms and conditions.

Further items and activities can be added to your travel insurance policy, making sure you are covered for your specific needs.

The best long term travel insurance for your holiday

Whether you’re heading on an extended solo trip to a few cities in Europe or a long break with your friends and family, we have a range of travel insurance policies that can cover longer stays:

Choose a cover level to suit your travel needs

Medical expenses and repatriationUnlimited£15 million£10 Million
Cancellation and curtailment£10,000£7,500£5,000
Travel delayUp to £650Up to £540Up to £450
Personal belongings£5,000£2,500£2,000
Legal Expenses£60,000£50,000£15,000
Standard ExcessNil£50£60

How to book our long stay insurance

You can book your long stay travel insurance by following just two simple steps:

1. Tell us where you’re going, who you want to cover and some details about your pre-existing medical conditions.

Do this online now or give us a call:

2. Get your quote and your cover

Receive your quote and you can decide to either purchase your insurance policy straight away or save it for later.

Long stay insurance with pre-existing medical conditions cover

Regardless of the duration of your trip, we’ll consider any pre-existing medical conditions. However, as with all policies, to be covered for your long stay you must declare any pre-existing condition you’re living with. Even if it’s a minor one. Failing to do so may result in your policy becoming invalid.

We might even be able to include your condition at no extra cost, although this depends on your condition and where you’re travelling to.

Some of the main medical conditions we cover include:

To learn more about what conditions are covered leading up to and during your trip, please have a look at our travel insurance for medical conditions page.

Our reviews speak for themselves

Take a look at why thousands of travellers are happy to book with InsureandGo.

Frequently asked questions on long stay travel insurance

Who is long stay travel insurance suitable for?

Long stay travel insurance is suitable for anyone!

Our single trip policies can cover trips of up to a year, and have no upper age limit. So if you’re planning to travel around Southeast Asia on your gap year, volunteering for some charity work abroad, or heading off on a long retirement getaway, you’re in the right place to get a quote.

What is the longest you can get travel insurance for?

Our long stay travel insurance covers you for trips lasting up to 12 months. This type of insurance is ideal for gap years, long cruises, extended family holidays or simply to spend more time exploring a place you love!

Does long stay travel insurance cover several countries?

Yes it can! Just let us know the countries you’ll be travelling through and we’ll quote you a price for the whole trip. To choose the right long stay travel insurance policy for you, get your quote online.

Does long stay travel insurance cover multiple trips?

No, long stay travel insurance does not cover multiple trips, it covers one long trip, and ends when you get back to the UK. If you want cover that will cover multiple trips for a whole year, you’d be better off getting our annual travel insurance instead.

How much does long stay travel insurance cost?

No, long stay travel insurance does not cover multiple trips, it covers one long trip, and ends when you get back to the UK. If you want cover that will cover multiple trips for a whole year, you’d be better off getting our annual travel insurance instead.

Can I buy long stay travel insurance after booking a trip?

Some travel operators may require you to buy your insurance at the same time as booking your trip. Others are more flexible as long as you obtain your travel insurance before you depart. We recommend buying your travel insurance as close to booking as you can, as you’ll be covered for issues like cancellation or delays straight away.

Does long stay travel insurance cover me while working abroad?

If you’re working with hand tools, then conservation or charity work is included as standard under all our policies. We can insure you for manual labour too, but you would need to add our hazardous activities cover to your policy.

Will I be able to extend long stay travel insurance?

If you decide before you travel that you’d like to stay away longer, don’t worry. You can extend your policy up to 365 days at any point before you leave the UK. If something happens abroad and you can’t return home as planned, such as an illness or injury, we’ll extend your policy for up to 30 days.

Who can buy an InsureandGo long stay insurance policy?

All our long term travel insurance policies are available to UK residents. This means:

Get a quote online or browse our policy documents for more information.

Travel insurance guides

Frequently asked questions

If you’ve got more questions about how our long stay travel insurance works, or more holiday cancellation insurance queries, have a read through our FAQs.

Travel advice

Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.

Travel insurance reviews

If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.

  1. Unlimited emergency medical expenses available on Black level policies.
  2. InsureandGo’s Gold achieved a Which? Best Buy.