Long Stay Travel Insurance for Trips up to 18 Months
- Up to £5 million for emergency medical expenses per insured person
- Up to £3,000 cancellation cover per insured person
- Up to £1,000 for baggage and personal belongings per insured person
- Cover options for Europe, Australia and New Zealand, and Worldwide travel
- 24-hour emergency medical assistance
Get a Longstay Travel Insurance quote
Cover limits, terms, conditions and exclusions apply. The duration of cover selected will be shown on your policy schedule.
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Longstay Travel Insurance at a glance
| Feature | Covered2Go Longstay cover |
|---|---|
| Maximum trip duration | Up to 18 months |
| Maximum age | 64 at the time of purchase |
| Type of trip | One extended trip starting and returning to the UK |
| Emergency medical expenses | Up to £5 million |
| Cancellation | Up to £3,000 |
| Curtailment | Up to £1,500 |
| Baggage and personal belongings | Up to £1,000 |
| Personal liability | Up to £2 million |
| End Supplier Failure | Up to £10,000 |
| Emergency assistance | Available 24 hours a day |
Unless otherwise stated, the cover limits shown apply per insured person. The standard policy excess is £75 per insured person, per incident, where an excess applies. Different or additional excesses may apply in some circumstances. Please check the policy wording for full details.
What is long stay travel insurance?
Long stay travel insurance is designed for a single extended trip that lasts longer than a typical holiday. It can be suitable for backpacking, gap years, round-the-world travel and longer visits to friends or family overseas.
Long-stay travel insurance is also commonly referred to as backpacker insurance, gap year travel insurance or long-term travel insurance.
Covered2Go Longstay Travel Insurance can provide cover for one extended trip of up to 18 months, depending on the duration selected and shown on your policy schedule.
Unlike Annual Multi-Trip Travel Insurance, which covers several separate holidays during a 12-month period, Longstay cover is arranged around one longer journey.
Who is Longstay Travel Insurance for?
Longstay cover may be suitable if you are:
- Taking a gap year or career break
- Backpacking through one or more countries
- Planning a round-the-world trip
- Spending several months with family or friends overseas
- Taking an extended holiday or sabbatical
- Travelling for longer than the permitted duration of an Annual Multi-Trip policy
Eligibility
To be eligible, you must be aged 64 or under when you purchase the policy. Cover is available to eligible UK residents and your trip must start and return to the UK. Please check the policy wording for the full residency and eligibility requirements.
What does Longstay Travel Insurance cover?
Emergency medical expenses
Cover includes up to £5 million per insured person for necessary emergency medical and surgical treatment abroad, including repatriation where medically necessary.
Emergency dental treatment to relieve pain is covered up to £500. Search and rescue costs are also covered up to £50,000 following an accident while you are taking part in an insured activity, subject to the requirements and time limits within the policy wording.
Cancellation and curtailment
Cover includes up to £3,000 if you have to cancel your trip for an insured reason and up to £1,500 if you have to cut your trip short.
Cancellation cover begins when your policy is purchased, so it is worth arranging your insurance as soon as you book your trip.
Baggage and personal belongings
Cover includes up to £1,000 for baggage and personal belongings, subject to a £500 single-item limit and a £500 total valuables limit.
Take particular care with phones, laptops, cameras and other expensive belongings. Their value may exceed the policy limits, so check whether you require separate specialist cover.
Travel disruption
The policy includes cover for certain insured travel delays, missed departures, additional travel and accommodation expenses, and uninhabitable accommodation.
End Supplier Failure
Cover of up to £10,000 is included for certain irrecoverable costs following the financial failure of an end supplier, subject to the terms and exclusions within the policy wording.
Personal liability and legal expenses
The policy includes up to £2 million personal liability cover and up to £25,000 legal expenses cover.
Cover limits, terms, conditions, exclusions and excesses apply. Please read the policy wording carefully to ensure the cover meets your needs.
Longstay, Single Trip or Annual Multi-Trip: which cover do I need?
| Policy type | How it works | Usually suitable for |
|---|---|---|
| Longstay | Covers one extended trip for up to 18 months for eligible travellers aged 64 and under. | Gap years, backpacking, round-the-world trips and extended stays. |
| Single Trip | Covers one holiday for up to 365 days, subject to eligibility. | One-off holidays and longer trips that fit within the Single Trip duration limit. |
| Annual Multi-Trip | Covers multiple holidays during a 12-month period. Each trip is normally limited to 31 days, with 45 or 60-day extensions available for an additional premium. | Travellers taking several separate holidays during the year. |
The right option will depend on the length of your trip, how often you plan to travel, your age, destination and the cover limits you need.
Can Longstay Travel Insurance cover multiple countries?
Yes, Longstay cover can be suitable for multi-country itineraries, provided every destination is included within the geographical region shown on your policy schedule.
Covered2Go offers the following geographical areas:
- Europe
- Australia and New Zealand
- Worldwide excluding the USA, Canada and the Caribbean
- Worldwide including the USA, Canada and the Caribbean
You must select the correct geographical area for your complete itinerary, including any countries you intend to visit later in your trip. Cover remains subject to
Foreign, Commonwealth & Development Office travel advice and the policy terms.
Longstay Travel Insurance and pre-existing medical conditions
Pre-existing medical conditions do not automatically prevent you from obtaining cover, but the policy’s medical declaration requirements must be followed.
Conditions covered without medical screening
Under the current policy wording, you do not need to declare the following conditions, which are covered at no additional premium:
- Acid reflux or gastric reflux
- Acne
- Blindness or partial sight loss
- Cataracts
- Deafness or partial hearing loss
- Glaucoma
- Hay fever
- Hypothyroidism
- Irritable bowel syndrome (IBS)
- Polycystic ovary syndrome (PCOS)
What do I need to declare?
With the exception of the conditions listed above, you must declare medical conditions for which you have received treatment, advice or medication during the last 12 months.
Medical screening and changes in health
Any cover offered following medical screening will be confirmed within your medical screening endorsement. You must also tell the Medical Screening Service if, after purchasing your policy and before the first day of your trip, you receive treatment, advice or medication for a new medical condition that has not already been declared, excluding the conditions listed above.
Sports, activities and winter sports
Sports and activities
A range of Level 1 sports and activities is included. Cover for activities within Levels 2 to 4 may be available for an additional premium and must be shown on your policy schedule.
Winter Sports Cover
If skiing or snowboarding forms part of your extended trip, the appropriate Winter Sports Cover must be selected, paid for and shown on your policy schedule.
Check your chosen activities
Individual sports and activities have their own conditions, restrictions and exclusions. Please check the policy wording before taking part to ensure you have selected the appropriate cover.
Planning to work or volunteer abroad?
If you intend to work, volunteer or complete a work placement during your trip, please contact us before purchasing your policy.
The type of work and duties involved matters, and hazardous, specialist or certain manual activities may not be covered. Check the Longstay policy wording against your exact plans rather than assuming that all overseas work is included.
Important things to check before buying
Before purchasing Longstay Travel Insurance, check that:
- Your complete trip fits within the maximum duration shown on your policy schedule.
- Your journey starts and returns to the UK.
- Every country on your itinerary is included within the geographical region selected.
- You have declared all medical conditions where required.
- Any higher-risk sports or activities have been accepted and are shown on your policy schedule.
- The personal possessions and single-item limits are sufficient for the belongings you are taking.
- You are not travelling against relevant FCDO travel advice.
- You have read the applicable terms, conditions, exclusions and excesses.
Why choose Covered2Go?
- Rated Excellent on Trustpilot
- Friendly, UK-based customer support
- 24-hour emergency medical assistance
- Cover options for Europe, Australia and New Zealand, or Worldwide travel
- Medical screening available for pre-existing conditions
Covered2Go is a trading name of Rush Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 714385).
Helpful official travel resources
UK Foreign Travel Advice
Check current entry requirements, safety information and Foreign, Commonwealth & Development Office travel advice.
NHS Travel Vaccination Advice
Find official NHS guidance about travel vaccinations, when to seek advice and how to prepare before travelling.
Covered2Go Policy Wordings
Review the complete terms, cover limits, conditions and exclusions that apply to your policy.
Important:
Cover limits, terms, conditions and exclusions apply. Please read the policy wording and your policy schedule carefully to ensure the cover meets your needs.
