Travelling abroad for several months? Our long stay travel insurance FAQs answer common questions about coverage, costs, and how to stay protected on extended trips.
Long stay travel insurance covers trips abroad for extended periods, typically several months. It provides protection for medical emergencies, cancellations, personal belongings, and travel delays over a longer duration than standard policies.
Travellers planning to live, study, or work abroad for several months, digital nomads, and anyone taking extended holidays should consider long stay travel insurance to cover the increased risks of a prolonged trip.
Coverage usually includes emergency medical treatment, repatriation, trip cancellations or curtailments, lost or stolen luggage, travel delays, and personal liability. Optional extras may include adventure sports, winter sports, or extended electronics cover.
Most insurers will cover declared pre-existing medical conditions, but you may need to provide a medical history or complete a health questionnaire. Always disclose ongoing conditions to ensure coverage.
Policies vary, but long stay travel insurance typically covers trips from 1 month up to 12 months. Extensions may be possible depending on your insurer and policy terms.
Cost depends on your age, destination, length of stay, coverage level, and optional extras. Longer trips naturally cost more, but annual multi-trip options can sometimes be more cost-effective for repeated extended stays.
Yes, but it’s recommended to purchase insurance as soon as your plans are confirmed. Some benefits, such as trip cancellation cover, may be limited if purchased after booking.
Many policies include COVID-19 medical and trip cancellation coverage. Check your insurer’s terms for quarantine, testing, and repatriation details.
Standard long stay travel insurance policies may exclude high-risk activities. Optional coverage can be added for winter sports, scuba diving, hiking, or other adventure activities.
Many insurers allow policy extensions if requested before your current coverage expires. Always check the process and any waiting periods with your provider.
In most cases, domestic health insurance provides little to no coverage outside your home country. Long stay travel insurance is recommended to protect against medical emergencies abroad.
Contact your insurance provider immediately. Most policies offer 24/7 emergency assistance services to guide you to appropriate medical facilities and handle claims.
High-risk activities like extreme sports may be excluded unless additional coverage is purchased. Always inform your insurer of planned activities.
Keep valuables secure and in your possession. Insurance may not cover items left unattended. Always check policy terms for specific exclusions.
Common reasons include not declaring pre-existing medical conditions, engaging in excluded activities, or not following policy procedures. Always read your policy thoroughly and adhere to its terms.
Some policies have mandatory waiting periods before coverage starts. It’s essential to understand these terms to avoid being unprotected.
Buying insurance after departure may limit certain coverages, like trip cancellation. It's advisable to secure insurance before your trip begins.
Planet Voyage Travel Insurance is arranged by Planet Voyage Travel Insurance, which is a trading name of Chase Heptons Ltd (Companies House Number: 13603286). Chase Heptons is authorised and regulated by the Financial Conduct Authority, FCA Firm Reference Number 1015079. Registered office: New Century House, 17-21 New Century Road, Basildon, Essex, SS15 6AG.