1. Home
  2. Travel insurance
  3. Long stay travel insurance

Long stay travel insurance

Compare long term travel insurance quotes

  • Get cover for up to 18 months

  • Protects you from unexpected costs while travelling

  • Compare some policies with covid cover

Can I get travel insurance that covers COVID-19?

Yes, you can still compare and purchase travel insurance with COVID-19 cover from Confused.com. All of our providers offer emergency medical treatment and repatriation (returning to the UK) for COVID-19 claims.

Many of our providers offer further Covid-19 related cover such as holiday cancellations, accommodation costs and denied boarding. Be sure to check the details of your policy carefully as different providers will offer different policy enhancements.

It's important to note that if you travel against advice from the Foreign, Commonwealth and Development Office (FCDO), you won't be covered by any travel insurance policy you buy.

What is long stay travel insurance?

Long stay travel insurance is designed to provide cover if you’re travelling for longer than a month.

Also known as backpacker travel insurance, policies can last for up to 18 months.

Some policies will cover you for one location, or if you’re taking a long trip, you can get a policy that’ll cover you for travel to several countries.

Annual vs long stay travel insurance. Which one do I need?

Long stay travel insurance is very different from an annual travel insurance policy – so you need to make sure you’re choosing the right option based on your needs.

Annual travel insurance covers you for several trips over the course of 12 months, but usually only for a maximum of 31 days at any one time. This means you can take several discrete holidays to different locations.

Long stay travel insurance covers you for one extended trip, usually lasting longer than a month and up to 18 months. It can cover you if you’re planning to travel through several countries without returning home, like if you’re on a gap year.

What does long stay travel insurance cover?

Before taking out a policy, always check your policy details to see exactly what you’re covered for.

But for a quick overview, long-stay travel insurance should cover you for:

  • Emergency medical treatment if you fall ill or are injured on your travels
  • Repatriation and emergency transport home if you get hurt during your travels and need to return
  • Cancellation cover if flights or accommodation are cancelled due to events outside your control
  • Baggage claims for accidental loss, damage or theft of your baggage, other personal possessions, and money
  • Your travel documents, cash and personal belongings, although cover for gadgets such as a laptop might require you to take out gadget insurance as a policy add-on.
  • Legal protection, including compensation for personal injury, illness or death which happens while you are away.

Compare long stay travel insurance quotes

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.

Can I visit multiple countries on one long stay travel insurance policy?

Yes, a long stay travel insurance policy will cover you if you’re moving from one country to another.

If you’re looking for a policy to cover several countries, select a backpacker travel policy when getting a quote. You’ll be able to choose the regions you’re going to, so the prices you’ll see are for policies that cover all those places. Make sure the cover you buy is suitable for the whole duration of your trip.

Just tell us where you’re going when you’re getting a quote and we can make sure you’ve got the right amount of cover.

Will long stay travel insurance cover me when working abroad?

In most cases no. Long stay travel insurance is generally designed for recreational travel rather than working abroad.

However, if you’re on a gap year, it may be that you’re planning to work your way around the world.

In this case, you may be able to add extra protection to your policy that'll cover you while you work.

Alternatively, business travel insurance may be a better option to explore, as this should provide you with a dedicated work-ready policy.

We compare trusted travel insurance companies to find you our best deals

AA car insurance logo
Saga logo
Post Office car insurance logo
Admiral car insurance logo

How do I get a long stay travel insurance quote?

Getting a long stay quote is easy and only takes a couple of minutes. All you need to do is:

  • Fill in your details, including where you’re travelling to
  • Choose the backpacker travel insurance option
  • Select the start date for your trip and tell us how many months you’ll be away
  • Declare any pre-existing medical conditions to ensure you’re covered

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 & Pet insurance expert signature

Jac Morris

Travel insurance expert

Need more help?

Can I get long stay travel insurance at any age?

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.

What if I have a pre-existing condition? Can I still get long stay travel insurance?

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)
  • 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

How can I get cheaper long stay travel insurance?

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
Show more
Confused.com’s Travel Insurance solution is provided by theIdol.com. theidol.com is a trading style of Investment Discounts On-Line Ltd and is authorised and regulated by the Financial Conduct Authority. Registered office; Investment Discounts On-Line Ltd, One Coleman Street, London, EC2R 5AA. Registered in England no: 04231834. theidol.com is part of the Legal & General group.

Our service is free and compares a wide range of trusted household names. Confused.com is an intermediary and receives commission from theidol.com if you decide to buy through our website which is based on a percentage of the total annual premium. We pride ourselves on impartiality and independence – therefore we don't promote any one insurance provider over another.

Confused.com travel insurance customers rate us 4.56/5 based on 265 Reviews.co.uk respondents - as of 06/10/21). Read our reviews