Covid-19 - Important information 4th October 2021
On 4th October, the travel traffic light system is being replaced by a simplified set of rules for international travel. These rules tell you what you must do when returning to England, Scotland, Wales, and Northern Ireland from a red list country.
Before buying travel insurance, you should think about what could happen if your destination moves to the red list. You may face extra costs and face travel restrictions that won't be covered by your travel insurance policy.
It's important to check both your destination's entry requirements and the Foreign, Commonwealth and Development Office (FCDO) advice for travelling there.
If you travel against the FCDO advice, you won't be covered by any travel insurance policy you buy.
A few insurers do offer cover if you're an essential traveler, but if you have any questions, you should check the policy wording or contact your chosen provider before you buy.
What does long stay travel insurance cover?
Much like a regular travel insurance policy, a long stay policy will cover you for the usual things including lost or stolen luggage, as well as emergency medical treatment and costs.
- Medical treatment and hospital costs for if you’re injured or fall ill abroad
- Emergency transport and your journey home if you get hurt during your travels and need to return
- Cancellations cover for if your flight or accommodation are cancelled due to things out of your control. Make sure this cover is the same as the total cost of your trip.
- Your travel documents, cash and personal belongings could be covered if you accidentally lose them
For items like your mobile phone or tablet, it’s worth double checking your travel or home insurance policies to see if they’re covered If not, a gadget insurance policy can protect your things long-term.
What isn’t covered by long stay travel insurance?
There are a few things not covered in a standard long stay policy. When getting your quote, you can tailor the policy so you can add any other features you think you’ll need for your trip.
What’s not covered:
- Pre-existing medical conditions
- Natural disasters and terrorism
- Sports cover
- Travelling against FCDO advice
Pre-existing medical conditions need to be declared to your insurer before you travel. If you don’t and then need treatment while away, you’ll have to foot the bills. If you need cover for a specific condition like cancer, stroke and heart conditions, a medical travel insurance policy is what you’re after.
Natural disasters and terrorism 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.
Sports cover for skiing or water sports or extreme sports cover for things like sky diving, bungee jumping and what rafting, have to be added when getting a quote.
Travelling against FCDO advice on coronavirus means you won’t be covered if you make a claim.
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
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