Long Stay Travel Insurance
Are you planning a longer getaway or even a once-in-a-lifetime backpacking trip? Whatever your plans are, it's always a good idea to get reliable travel insurance. Travel insurance helps protect you financially if something unexpected happens on your trip – like lost bags, cancelled holidays or medical emergencies. Whether you are going away for 3 months or 18 months, travel without worry.
What is long stay travel insurance?
When it comes to long-stay travel insurance, there are a few options available. If you are looking for travel insurance for 90-days, then our single-trip policy may be suitable for you. Single-tip insurance allows you to travel for up to 365 days under one policy. It's good to bear in mind that this type of insurance is only suitable for those taking one continuous trip and not looking to return to the UK. Take a look at our page dedicated to single-trip insurance for more information.
For those looking for a policy that covers trips lasting longer than a year, a backpacker policy may be an option for you. Backpacker policies will cover you for trips lasting up to 550 days - that's almost 18 months of travel. With the Backpacker policy, you also have the option to return home at least once during your period of cover. This can be for any reason you choose, like attending a family event or even if you just feel a little homesick. For more details, take a look at our backpacker travel insurance page.
What kind of trips might long-stay insurance be good for?
- Backpacking trips
- Longer holidays or sabbaticals
- Gap years
- Spending winter in the sun
- Visiting family
Can I travel to multiple destinations with long stay cover?
Yes, all of our policies will allow you to travel to multiple destinations. You just need to make sure you have selected the correct destination level for your trip to be covered.
To check which destination group your trip comes under, use our handy destination checker.
Is there an age limit for long-stay travel?
Whilst there's no limit on long stay travel specifically, our policies types do have their own age limits:
- Single Trip policy - no upper age limit
- Annual policy - maximum age 85 years old
- Backpacker - maximum age 64 years old
Over 40 years experience in travel services.
Voted Best Insurance Provider 16 years running – since 2009.
Tailored policies to suit your personal requirements.
£13.8 million paid in claims last year, providing reliable support when it matters most.
Smart, simple cover with help from our AI assistant, SYD.
Compare travel insurance cover levels
Choose from three different levels of cover, each with its own cover limits. Ranging from a simpler 'Bronze' plan to a higher level 'Gold' plan, you can tailor your policy to suit your needs. Browse the key benefits below, or see the full breakdown in our cover-level table and Policy Documents.
Bronze
| £15,000,000 | Emergency medical and repatriation expenses |
| £1,000 | Cancellation & Cutting your trip short |
| £2,000 | Personal belongings |
| £500 | Personal money |
| £500 | Gadget Cover |
Silver
| £20,000,000 | Emergency medical and repatriation expenses |
| £2,500 | Cancellation & Cutting your trip short |
| £3,000 | Personal belongings |
| £750 | Personal money |
| £500 | Gadget Cover |
Gold
| Unlimited | Emergency medical and repatriation expenses |
| £5,000* | Cancellation & Cutting your trip short |
| £5,000 | Personal belongings |
| £1,000 | Personal money |
| £750 | Gadget Cover |
*Or as specified on your schedule
- Emergency Medical Cover - If you fall ill or are injured, you can focus on your recovery, secure in the knowledge that we'll cover your medical expenses.
- Trip Curtailment - Having to cut short your holiday is never nice, let alone the sting of a financial loss. With our cover, you can be rest assured that cover for curtailment is in place should you unexpectantly fall ill and be forced to return home.
- Personal Possession cover - Personal possessions cover protects your belongings against loss, theft or damage, so the items that matter the most to you can be replaced or reimbursed.
Cover is subject to the terms and conditions of your policy and the authorisation of our emergency medical assistance team.
Can I get long stay travel insurance if I have medical conditions?
Yes, as long as we are able to insure you and your conditions, there won't be any restrictions on the length of your trip.
When purchasing travel insurance, you will be asked a few questions about your health and any conditions will need to be declared. This is to ensure you have the right level of cover for your trip. You can simply do this online or over the phone. You can find more information on our page dedicated to travel insurance with pre-existing medical conditions.
AnywhereGP: 24/7 Medical Help
Powered by Air Doctor
We're thrilled to introduce AnywhereGP, powered by Air Doctor – your on-the-go medical solution abroad!
Included FREE with every Holiday Extras travel insurance policy, it provides fast, reliable medical support for everything from minor illnesses to urgent concerns, keeping you supported along the way.
Let us answer your questions
Can I get travel insurance for 12 months?
Yes, you can get travel insurance for 12 months for one continuous trip. You can go away for 12 months at a time with our single-trip policy. Alternatively, our backpacker policy cover up to 18 months, plus you'll have the option to pop back home.
How much should travel insurance cost for 3 months?
It's difficult to estimate the cost of a 3-month travel insurance policy, as prices vary based on several factors. Your age, destination, and any pre-existing medical conditions can all affect the final premium. For a quick and easy quote, click the 'get quote' button and follow the on-screen instructions.
What is the maximum duration of travel insurance?
The maximum trip duration will depend on the type of policy that you choose. Below are the maximum trip durations for each policy type:
- Single-trip policies - the maximum trip duration is 365 days
- Backpacker policy - the maximum trip duration is 550 days
- Annual multi-trip - the maximum trip duration depends on your policy type. For bronze, 22 days is the maximum trip duration, for silver it's 31 and for gold its 45.
Can I get travel insurance 2 years in advance?
Our single-trip policies can be booked up to 18 months in advance of your trip, and annual policies can be booked 90 days in advance.
Articles we think you'll love...
Looking to book the perfect getaway?
Sign up and be the first to hear about our latest Holiday Extras deals.
Award-winning Insurance - take a look at our awards page for more detail.
Holiday Extras Travel Insurance is sold and administered by Holiday Extras Cover Limited, registered office address: Ashford Road, Newingreen, Hythe, Kent CT21 4JF.
Holiday Extras Cover Limited is an insurance intermediary authorised and regulated by the Financial Conduct Authority, registration number 828848. You can check this on the Financial Services Register by visiting: http://register.fca.org.uk
Holiday Extras™ is a Trading Name of Holiday Extras Cover Limited. The insurance is underwritten by Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 1 Fen Court, London, United Kingdom, EC3M 5BN.
Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting: http://register.fca.org.uk
Our flight delay cover is underwritten by Astrenska Insurance Limited and serviced by Collinson Insurance Services Limited.