Travel fully covered for up to 12 months with our Long Stay Travel Insurance. From medical emergencies and pre-existing conditions, to cancellations and lost luggage, you can enjoy peace of mind and financial protection, even on longer trips.
What is Long Stay Travel Insurance – and do you need it?
Having the right Travel Insurance is incredibly important, especially if you’re on a once-in-a-lifetime holiday. Long Stay Travel Insurance is designed to protect you on longer trips, whether in one country or travelling around a continent.. The longer you’re travelling, the higher the chance you may face some unexpected issues. From medical expenses to cancellations, you could find yourself facing unforeseen costs and even the risk of your trip being cut short. For example:
- 62% of long-stay travellers in Australia experienced a medical problem, according to a medical research paper.
- Medical repatriation is typically about £300 per mile, meaning it would cost £3.1m to fly the 10,560 miles from Sydney to London.
- Long stay holidaying the USA? One AllClear customer suffered a detached retina in the USA, and faced a total bill of £320,478 for treatment.
You don’t want medical expenses eating into your travelling funds or concerns about them spoiling your trip. If you’re leaving the country for a few months or more, our Long Stay Travel Insurance will help you travel with peace of mind.
Why get Long Stay Travel Insurance?
Long Stay Travel Insurance can cover trips from 31 up to 365 days. Making it perfect for:
- Gap years and backpacking trips
- Extended breaks in one destination
- Long cruises¹
- Lengthy family visits
- Escaping to the sun for the whole of winter
If you’re going for a trip that’s shorter than 31 days, you will need Single Trip Travel Insurance. If you’re going away for multiple trips but returning to the UK between them, find out about Annual Travel Insurance below.
Read our Policy Wording for more information on Long Stay Travel Insurance.
Long Stay vs Annual Travel Insurance: What’s the difference?
Long Stay Travel Insurance is designed to cover you for a longer single trip, between 31 and 365 days. It is a policy for one trip, such as a gap year, when you do not return to the UK until the end of your break.
Annual Multi-Trip Travel Insurance is for those looking to go away on multiple separate trips in one year. Each break can’t be longer than 45 days (up to 55 days for an additional premium), and you must return to the UK between each trip. For instance, if you’re planning a spring city break, a two-week holiday in the summer and then some winter sun later in the year.
What does AllClear’s Long Stay Travel Insurance cover?
Long Stay Travel Insurance can provide protection for medical emergencies, stolen belongings, unexpected cancellation² and more. Find out what’s included below:
What’s covered?
- Medical expenses – We can cover emergency medical treatments you may need while travelling, including any related to pre-existing medical conditions you’ve declared.
- Medical aids – You can travel with confidence because we’ll protect all your important medical equipment and accessories from loss or damage.
- Medication – If you lose your medication, we’ll cover the cost to help you to replace it as soon as possible.
- Repatriation – This covers the cost of emergency medical transport back to the UK.
- Lost luggage – We will pay out if your baggage is stolen or damaged. This way, you can replace your important items and enjoy your holiday.
- Cancellation and cutting your trip short – Choose a policy with cancellation cover and you’ll be protected if you have to cancel your trip due to an unforeseen emergency or return home early.
What’s not covered?
- Medical conditions you fail to declare – You need to provide us with an accurate medical history when you buy Travel Insurance so we can provide you the right cover. This is especially vital for senior travellers, and those with long-term illness.
- Missed departure within your control – While we know that things can go wrong, you won’t be covered if you miss your transport for an issue within your control.
- Deciding not to travel – We offer cancellation cover for specific reasons, such as illness, injury or bereavement. For full details please see your policy wording.
Find our different products below. We have three to choose from, Gold, Gold Plus and Platinum If you’d like some help choosing which is best for you, give us a call.
SWIPE TO COMPARE POLICIES
Gold |
Gold Plus |
Platinum |
|
| Emergency medical expenses and Repatriation costs | Up to £10m | Up to £15m | Unlimited |
| Cancellation* and cutting your trip short | Up to £2k | Up to £15k | Up to £25k |
| Travel Delay | Up to £300 | Up to £1,500 | Up to £1,500 |
| Personal Belongings | Up to £2k | Up to £2.5k | Up to £5k |
| Personal liability | Up to £2m | Up to £2m | Up to £2m |
| Legal protection cover | Up to £50k | Up to £50k | Up to £100k |
* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.
For full details of what is and is not included. Please read our Long Stay Travel Insurance Policy Wording.
Destinations covered by our Long Stay Travel Insurance
Whether you’re backpacking around Asia or Interrailing through Europe. We have a Long Stay Travel Insurance policy for you:
- Europe: If you’re visiting family for a long period or taking in the culture of Berlin, Paris, Rome and more. Europe Long-Term Travel Insurance can protect you on your trip
- Worldwide: Finally doing your dream gap year? Whether it’s a round-the-world trip or seeing the best a new continent has to offer. Insurance for long-term travel can include worldwide trips. Just let us know where you’re off to when getting your quote
- UK: With the NHS, you may think you don’t need Travel Insurance as medical treatment will be free. But if you’re planning an extended stay with pre-booked accommodation, UK Long Stay Travel Insurance offers valuable protection beyond medical cover, such as if your bags are stolen or you have to unexpectedly cancel³
Are there age limits for Long Stay Travel Insurance?
Going on a trip to celebrate retirement or holding off on your gap year until later life? Some insurance providers will place age limits on their policies. At AllClear, we have no upper age limit. This means you can get Long Stay Travel Insurance for your big trip, whether you’re looking for:
- Over 50s Travel Insurance
- Over 60s Travel Insurance
- Over 70s Travel Insurance
- Over 80s Travel Insurance
- Over 90s Travel Insurance
Read our Policy Wording for more information and any exclusions.
How much does Long Stay Travel Insurance cost?
What affects the cost of Long Stay Travel Insurance? Your policy will be calculated on several different factors, including your age and any pre-existing medical conditions you have. Here are a few other things that contribute to your quote premium:
- Your destination: Some places carry a greater risk of you needing to claim or have a more expensive health care system
- How long you’ll be away: Our Long Stay Travel Insurance policies can cover trips from 31 to 365 days. A policy for a year-long trip will be more expensive than one for a 6-month trip. As you’re more likely to experience issues while away and need to make a claim
- Activities: While we cover some activities as standard, you’ll need to pay an additional premium to take part in others. See our Policy Wording for more details
- Additional cover: You may want to include extra cover for a special type of holiday, such as a cruise or golfing holiday
Find the best Long Stay Travel Insurance for your trip
Long Stay Travel Insurance can be tailored to your trip, with additional extras that you might find useful.
- Heading off on the cruise of a lifetime? You’ll need Cruise insurance which protects you against things like cabin confinement, missed departures and even unused excursions.
- Photography trip? You might want Gadget Cover, to protect you from the loss or theft of your expensive camera, mobile phone, tablet or laptop.
- Backpacking? Don’t let a pre-existing medical condition get in the way. Our Travel Insurance with Medical Cover is what you need. We’ve already covered over 1300 different conditions.
- Overdue Gap Year or retirement getaway? We’ve got Australia Travel Insurance and Thailand Travel Insurance policies, which can cover everything you’ll need, from scooter accidents, to laptops lost at sea.
AllClear’s Long Stay Travel Insurance for pre-existing medical conditions
When you’re away for a long trip, the chance of a medical emergency increases. Especially if you have a pre-existing medical condition. As a specialist Medical Travel Insurance provider, we can cover more than 1,300 conditions, even for long-term trips:
- Diabetes
- Heart conditions
- Stroke
- High blood pressure
- Asthma
- COPD
- Cancer
- Epilepsy
- Arthritis
- Back Problems
Our medical screening process is quick and easy, and you’ll soon have your quote. We’re the UK’s most trusted Travel Insurance Provider. In fact, 97% of our customers would consider buying from AllClear again.
Always read the Policy Wording to understand what is and isn’t included for your pre-existing medical conditions.
How our Long Stay Travel Insurance works: A simple 3 step quote process
Our 3-step quote process is quick and simple, and is designed to provide you with comprehensive worldwide cover. Here’s how it works.
1 . Get a quote online or by phone
Once you’re ready to start the quote process, the first step is to provide your personal details and information about your holiday and travel plans. This can be completed over the phone with one of our team members or online. Get your quote
2. Complete our simple medical screening process
You’ll need to declare any medical conditions affecting you and any other travellers on the policy. Be sure to answer all our medical questions and tell us everything we need to know about your current health. This way, we can provide the cover that best suits your needs.
3. Receive your quote
You’ll then get your quote(s) and can either proceed to buy or save your quote at this stage.
“If you’re planning on doing a big trip, like a retirement cruise or a few months travelling through Asia or South America, Long Stay Travel Insurance is what you need. It can last for up to 365 days, so you’ll be able to travel for longer with peace of mind that you won’t be out of pocket should something unexpected happen.” Letitia Smith MSc, Travel Insurance expert
What our Customers Say
Did you know that 98%2 of our customers rate us as ‘Excellent’ or ‘Great’? Here’s what our customers had to say about us.
Excellent call handler...
“Excellent call handler… Douglas. Detailed discussion regarding specific long stay insurance. Particulars around requirements and excesses.”
Frequently asked questions on Long Stay Travel Insurance
What is the longest you can get Travel Insurance for?
The longest period we can insure you for is 12 months, or 365 days. If you’re planning several trips throughout the year and will be returning home in between them, you’ll need to consider Annual Multi-trip Travel Insurance. This policy will cover you for multiple trips for 12 months⇞.
Can you get Travel Insurance for 4 months?
Yes, this is not a problem. If you’re looking for Travel Insurance for 4 months, for example, select ‘single trip’ quote, and enter the intended departure and return date of your trip. This will make sure you are given options for Long Stay Travel Insurance.
Can you extend Long Stay Travel Insurance?
If you decide you want to travel for longer than your initial trip dates, you can extend your policy before you set off up to a maximum of 365 days. It is vital that you do so before you leave the UK, as we cannot extend a policy once you are abroad.
Can I add Cruise Cover to my Long Stay Travel Insurance?
Yes, adding Cruise Cover to your Long Stay Travel Insurance policy is simple. When you are entering your information to get a quote from us, just be sure to tick the ‘Cruise Cover’ box and it will be included in your quote. You can learn more about our Cruise Travel insurance here.
Will you be able to visit multiple countries?
Yes! With Long Stay Travel Insurance, your trip could include just one or multiple countries. We will ask you for a little information about where you’re going, how long you’re going for and who you want to insure. Then we’ll tailor a quote to your trip. So if you’re finally taking that dream trip around the world, we can cover you.
Get the most out of your trips with our helpful guides
Where are you visiting? Explore our helpful guides for tips. They’ll help you remember everything you need when travelling to one of the below destinations.
What activities do you have planned? Whether you’re planning a skiing holiday or setting sail on a cruise, remember to add the cover you need to your policy for a worry-free trip.
