"A lot of people forget that when you're travelling for an extended period of time, it puts you at greater risk of falling ill or getting injured. By taking out a long stay policy, you'll protect yourself against any emergency medical costs and potentially save yourself £1000s in medical bills."
This will depend on your insurer and the policy you choose. But, let's take a look at what's typically included or excluded on travel insurance.
It's important that your travel insurance policy offers you the right amount of cover. But, there are some things that are typically excluded from travel cover. If this is the case, you could consider adding policy extras. These come at an added cost, but could offer the cover you need.
With roaming charges making an unwelcome return, eSIMs are a convenient option when travelling. eSIMs are non-physical and are embedded into most newer smartphones; meaning you won’t have to put anything physical into your device, it should already be there.
Simply buy your travel insurance, claim your free eSIM, and install it onto your device at the tap of a button. Your eSIM with 2GB of roaming data will kick in on a local mobile network when you get to your destination.
Here are the main differences:
If you're a frequent traveller, buying annual travel insurance to cover all your trips might be cheaper than buying single-trip insurance for each. But, if you're planning a longer trip, check whether your annual travel insurance covers the length of your stay. If not, long-stay travel insurance is a good alternative.
Yes - home insurance policies generally stipulate that you can't leave your property unattended for more than 30 days at a time. In some cases, you might have to take out unoccupied home insurance. Before you leave for your long-term trip, check your home insurance policy documents and call your home insurer to let them know you're going away.
It's common for people to work or volunteer abroad while they're on extended trips. But, whether you're covered for this will depend on your travel insurance policy. If you're planning to take up work while you're travelling, check your policy documents to see whether you're covered. If not, you might want to consider volunteer travel insurance.
Some insurers might let you add volunteer cover onto your long-stay travel insurance policy. The best way to find out is to contact them directly.
Yes, as long as you declare all of the places you'll be going. Check your policy documents to see which destinations are covered.
This will depend on your insurer. It's best to contact them to ask, ideally before your existing policy expires.
If you wait until your policy expires, you'll have to buy a new one if you want to be covered for the rest of your trip. This can be expensive if you're already travelling, and it might leave you uncovered for a period of time.
If your flight is delayed for a prolonged period, here's what you could be entitled to.
The European Travel Information and Authorisation System or ETIAS is a new form you need to get before you travel to Europe and the Schengen area in 2025.
For any holidays or trip to the USA you'll need as ESTA. We take you through what it is and how to apply for one.
We take a look at what ATOL protection means and what it covers.
Adding a few extra items to your baggage can end up costing you a lot of money. Here’s our top tips to avoid those charges!
It will cover you for any holidays that you've got planned in Europe this year.
Means you can get one policy that covers everyone, rather than buying individual policies.
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