A long stay travel insurance is very important if you are flying off around the world on an adventure, or you just want to take a cruise and spend the winter under the sun.
Whether you’re hiking in the Australian outback or enjoying some winter sun in Lanzarote. Long Stay Travel Insurance can keep you covered for long.
So, are you curious about what a long stay travel insurance is? Or perhaps you want to get more knowledge on it to enable you to plan for your next trip? You are at the right place, welcome on board.
What is Long Stay Travel Insurance?
Long stay travel insurance protects you during protracted stays away from the UK. This often last three to 18 months (and possibly longer if you’re not quite ready to return home). It’s also referred to as travel insurance for backpackers.
However, it’s also helpful if you’re planning a long visit with family abroad. Or maybe want to spend entire seasons in the sun abroad.
Because this form of protection is made for longer excursions where you might have to relocate between several countries. It’s very helpful for someone taking a gap year or career break overseas.
Even if you’re working, it can occasionally be used for plainly temporary trips abroad. Such could be those obtained through a working holiday visa.
What Does Long Stay Travel Insurance Cover?
The amount of coverage you receive might vary significantly between providers and plans, as is the case with most insurance kinds.
So, pay close attention to the fine print in your policy documents and make sure you understand how much excess you would be required to pay in the event of a claim.
Most types of long stay travel insurance plans will include coverage for:
1. Medical Expenses
It is important to know that you have the financial means to cover any emergency medical care you may require, no matter where you are in the world.
While covering unforeseen medical expenses, long stay travel insurance will cover your return airfare if your illness prevents you from continuing your trip.
Many countries demand that you cover all or most of the expenses of your medical care. For example, you need to get complete coverage if you’re traveling to the US because becoming sick could result in expensive medical expenditures.
Similarly, you still need to have coverage and carry your Global Health Insurance Card (GHIC) if you’re traveling within the EU in case you get sick and require medical attention.
2. Holiday Cancellation Cover
There might be a few travel and lodging glitches on a lengthy vacation. But long-term travel insurance can make sure you’re not out of cash if anything comes up and you have to postpone or cancel your trip.
Should this occur, your insurance should allow you to receive a refund for any reserved tickets and lodging that you did not utilize.
They will pay you up to £5,000 if you have to postpone or cancel a trip because of unavoidable events, including being sick while traveling.
Make sure you have enough insurance to cover the cost of your vacation. Missed connections are not always covered by all policies, so double-check your terms and conditions.
3. Damage, Loss, or Theft of Your Baggage
It is easy for items to get lost when you are moving every few days. Your goods can be insured up to a certain amount under Long Stay Travel Insurance.
It’s also useful if your luggage gets lost at the airport or while you’re traveling. Remember that the value of the things covered by an insurance policy has limitations:
Long stay travel insurance may also cover lost or stolen cash – up to a certain limit, lost or stolen passports, and legal costs.
Things to Consider Before Buying Long Stay Travel Insurance
When getting travel insurance for long travels, there are a few factors to consider that can impact your price and the kind of coverage you require.
1. Health
The cost of your long stay travel insurance may increase if you have preexisting medical issues.
Before acquiring your coverage, you must make a list of these so the insurer can verify the coverage offered.
A basic policy will not cover every illness. But before you take up insurance, you can call your insurer to find out what pre-existing medical issues are covered.
2. Age
As you age, you can find that you need to see a doctor more frequently, which could grow expensive if you’re living abroad.
For this reason, some providers of long-term travel insurance have an age restriction.
3. Activities you’ll be doing
Trying new things when on vacation is part of the enjoyment. However, if you’re thinking of doing an adventurous activity like bungee jumping in New Zealand, make sure your insurance covers it.
This also applies to many aquatic sports and even high-altitude treks. Activities that fall under the purview of travel insurance typically include any of the following:
Other Things to Look Out for with a Long Stay Travel Insurance Policy
You should have knowledge on what long stay travel insurance won’t cover:
1. If Your Policy Covers the Country of Visit
Verify if your policy covers the country that you intend to visit. Not listed are nations that the Foreign Commonwealth & Development Office (FCDO) warns against visiting.
Before obtaining a long-stay coverage, always be sure to ask your insurance company. Find out what happens if the advice changes while you’re traveling and you have to make changes to your itinerary.
2. What Activities are Covered
You definitely won’t need the same amount of cover if you want to perform extreme sports like white-water rafting, climbing, or bungee jumping but instead prefer to spend three months lounging on the beach.
Also, make sure that your devices and accessories are protected as well. Consider looking into device travel insurance if you want to bring expensive technology with you.
Getting a Long Stay Travel Insurance with a Pre-Existing Medical Condition?
It is still possible to obtain travel insurance even if you already have a medical issue. But, based on your health, it can cost you extra and require you to get specialized coverage.
You can be questioned about your medical history, including any current conditions, when you apply for long-term travel insurance.
Make sure you are being truthful. When you try to file a claim, your insurance company may determine that your coverage is void if you present false information.
It’s important to remember that you should notify your insurance if you become pregnant while traveling or if you are already pregnant and will be giving birth abroad
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