What doesn't long stay travel insurance cover?
While all policies differ, there are some common exclusions that your long stay travel insurance normally won't cover. These can include:
- Alcohol or drug related incidents
- Travelling outside Foreign, Commonwealth and Development Office advice
- Natural disasters and catastrophes
- Undeclared pre-existing medical conditions
- Winter or extreme sports
Alcohol or drug related incidents usually invalidate your insurance, so you won’t have cover if you’re injured while under the influence
Travelling outside Foreign, Commonwealth and Development Office advice, for instance, around Covid-19, terrorism or war means you won’t be covered if you make a claim.
Natural disasters and catastrophes might not be covered. These include things like earthquakes, hurricanes and acts of terrorism. Check the policy details or contact the insurer if you have any questions.
Undeclared pre-existing medical conditions could invalidate your policy, so ensure you tell your insurer about any health issues you may have before getting a quote. If your condition isn't covered, try medical travel insurance, which offers travel cover for those with a range of health issues.
Winter or extreme sports like bungee jumping, white water rafting and other risky activities may not be covered by your insurance due to the added danger they pose. However, you'll usually be able to add additional cover for them to your policy for an extra fee. Or if you're a real adrenaline junkie, you could try activity travel insurance, which is designed to cover those risky activities you love.
What our travel insurance expert says
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 £1000's in medical bills.
Travel insurance expert
Need more help?
Standard long stay insurance policies typically have an upper and lower age limit, but that doesn’t mean you can’t find one that meets your needs.
Plenty of insurance companies offer long-stay policies for over-50s. You should be able to get similar cover levels to a standard policy. It might be more expensive, but you may also be protected against a wider range of illnesses.
Several insurers also offer long term travel policies for over-65s or over-70s – but most have an upper age limit of 79.
That said, some providers will even offer long stay travel insurance for over-80s. The older you are, the higher the cost may be, and you might find that there are more exclusions involved.
If you’re struggling to find cover with a standard insurer, try looking at specialist providers. As you age, you may also find that you have more pre-existing conditions, so you need to make sure these are declared and that your insurance is appropriate.
Pre-existing medical conditions need to be declared to your insurer before you travel. These conditions could include cancer, stroke, serious heart, respiratory and terminal conditions.
Some insurers might not cover you if you already have a serious medical condition, or if you have a number of conditions. Others might only offer insurance at a much higher price.
However, you can still get a quote through Confused.com. If you’re unable to find suitable cover, the Money and Pension Service (MaPS) has also set up a directory of insurers willing to cover customers with pre-existing medical conditions.
If you have a medical condition, make sure you:
- Declare it to the insurer
- Get broad enough medical cover
- Take your Global Health Insurance Card (GHIC)
- Take extra medicine, so you have enough if your trip is delayed
- Consider a medical travel insurance policy
A long stay policy will usually cost a little bit more than a normal travel insurance policy, as there are more risks associated with being away for longer periods of time.
Several other things can affect the price of the policy, including:
- Your age
- Whether you’ve got any pre-existing medical conditions
While you want to cut costs where possible, you need to make sure you have the right level of cover. For instance, you need to make sure your destination is included, and the limits are high enough to cover your whole trip. If the levels aren’t sufficient, you’ll have spent all that money and you won’t have the right protection in place.
At the same time, you don’t want to be over-insured. For instance, you don’t need expensive cover that includes the USA and Canada if you’re only travelling in Europe. Shopping around is important, as is thinking through exactly where you will be going and what you will be doing while away.
Some of the easiest ways to save are to:
- Take out the right policy for you based on the type of trip you’re taking, what activities you’ll be doing, your age and any medical conditions
- Take out the right amount of cover, making sure that you’ve covered your baggage, the full length of the trip, and have high enough medical limits in place
- Compare quotes to find a cheap deal for your needs
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