Long Stay Travel Insurance Guide
Whether you’re heading off to warmer climes for the winter months or planning an exciting adventure where a couple of weeks to see all the sites is just not enough, then you’re going to need a long trip travel insurance policy that covers you for the entire time that you’re away - giving you peace of mind so you can get on with the most important part – enjoying every minute of your holiday! Here are some things to consider when searching for cover:
Check The Maximum Trip Duration Limit
If you’re thinking of buying an annual policy or perhaps you already have one in place, err on the side of caution if you’re planning a long break. Although an annual policy may run for 365 days, it doesn’t actually cover you to be away for the whole year. In fact, with annual multi-trip insurance restrictions apply as to how long you can be away for per trip, with many policies having a limit of just 31 days. For this reason, it's wise to check the maximum trip duration limit on the policy so you don’t get caught out. The more common solution for long stay travel insurance is to buy a one-off, single trip policy that will cover you from the day you leave the UK until the day your arrive back.
Be Covered For All The Destinations You Plan To Visit
If you’re visiting more than one country, it’s important that you tell your insurer so that you can be issued with a policy that permits you to travel to all your intended destination points. Be aware that insurers can group countries together differently; for instance, some will include Tunisia, Morocco and Egypt within Europe, whilst others will class them as Worldwide. If you’re going to multi-destinations on your long stay holiday, make sure to add each country when using our online application form or give our experts a ring and they will gladly guide you through the application process.
Declare Your Pre Existing Medical Conditions
If you take prescribed medication or have ever been diagnosed with any heart, respiratory, stroke or cancerous conditions, you will 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 stay travel insurance more costly and tricky to obtain. Read our ‘Travel Insurance Destinations Guide’ for more information.
Medical Travel Compared can assist in finding cheap travel insurance for long stay holidays and competitive quotes for people over 65 years of age – get instant quotes here online or give us a call. We’re here to help!