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.
Jac Morris
Travel insurance expert
Need more help?
Will long stay travel insurance cover me when working abroad?
In most cases no. Long stay travel insurance usually won’t cover you if you’re working abroad. But if you’re taking a gap year and hoping to do some work on your travels, you might be able to add extra cover.
If you’re a professional and you’re going to be travelling for business rather than on holiday, you should take out business travel insurance instead.
Can I get long stay travel insurance at any age?
Many long stay travel 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 insurers offer long stay travel insurance for over 50s. You should be able to get similar cover levels to a standard policy, but it might be a little more expensive.
Several insurers also offer long term travel policies for over-65s as well as long stay travel insurance for over 70s – but most have an upper age limit of 79.
Can I still get long term travel insurance if I have a pre-existing medical condition?
You should tell your insurer about any pre-existing medical conditions before you travel. These conditions could include cancer, stroke, serious heart, respiratory and terminal conditions.
Some insurers might not provide cover 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.
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:
- Tell your insurer
- Get broad enough medical cover
- Take your Global Health Insurance Card (GHIC)
- Research to see what medical options are available and where the nearest hospital is
- Take extra medicine, so you have enough if your trip is delayed
- Consider a medical travel insurance policy
What are the different types of travel insurance?
European travel insurance
it will cover you for any holidays that you've got planned in Europe this year.
Family travel insurance
means you can get one policy that covers everyone, rather than buying individual policies.
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