"Going away for a long time? More travel means more chance of things going wrong – like getting ill or injured. It's easy to forget about insurance, but a long stay policy covers your emergency medical bills. That could save you thousands if you need help while you're abroad."
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.
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.
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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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