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Redwood Travel Insurance

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Long Stay Travel Insurance

Overview on long stay travel insurance

Long stay travel insurance for the over 50, over 65, over 70, over75 and over 80 can be split into standard and backpacker travel insurance. The latter is a special form of  travel insurance most suitable for youngsters on their gap year where the main requirements are cover for medical expenses, especially if working or during course of hazardous activities (bungee jumping, trekking at altitude, camel racing, zorbing etc). Benefits limited to medical expenses and very little else, concomitant with low maximum/ inner values.

However, standard long stay travel insurance is more suitable for extended trips where higher benefits are needed. Including these are high cancellation levels and luggage for e.g. bespoke holiday of a lifetime or cruise. Too many  travel insurance policies are available with limited cancellation/ luggage and other benefits on the supposition that the traveller intends to stay with relatives or does not pre-book accommodation/ transport.

Our long stay travel insurance policy provides the same level of benefits as a standard policy with the proviso that trips up to 12 months may be covered at any age up to 85. There are three levels of cover (Bronze, Silver, Gold) each suitable for different demands and needs. The Bronze policy has adequate levels of cover, the silver fairly substantial and the Gold extremely high (Unlimited medical expenses and 10,000 cancellation). Flexibility is enhanced by the option of deleting the excess on most sections and adding golf, travel dispute and, for the businessman, business equipment. The emphasis is on policy cover, rather than premium and, since the policies are arranged by brokers, excellent service with professionals acting on your behalf.

The rates below are for long stay travel insurance for the under 50. i.e.18 to 49 and assumes commencement date is 1st March. The premium, of course, depends on total length away. Please note we rate by weeks rather than months, so the exact premium may lie between the premium quoted. e.g. travelling for 5 and a half months results in a premium more than 5 months, but less than 6 as shown below. Other than the Economy contract, travellers can save 20% by deleting cancellation cover and 15% by deleting baggage cover if not necessary. A small saving on the combined premium is available for a couple aged between 18 and 49 and Families are rated at twice the single premium. Qualifying children travel free.

Summary of Travel Insurance Contract Limits

Economy Bronze Silver Gold

Typical Rates

Long Stay Travel Insurance: UK

Including Luggage/ Cancellation (Not Economy)
Months Economy Bronze Silver  Gold
3 (31/ May) 20.00 329.42 34.61 41.53
4 ( 30 / Jun) 26.14 38.45 45.23 54.28
5 (31 / Jul) 33.82 49.74 58.51 70.21
5.5 (15 / Aug) 36.89 54.25 63.82 76.59
6 (31 / Aug) 39.96 58.77 69.14 82.96
7 (30 / Sep) 47.64 70.05 82.42 98.90
8 (31 / Oct) 53.78 79.08 93.04 111.65
9 (30 / Nov) 59.92 88.11 103.66 124.40
10 (31/ Dec) 67.59 99.40 116.94 140.33
11 (31 / Jan) 73.73 108.43 127.57 153.08
12 (28 / Feb) 79.87 117.46 138.19 165.83
  • NB For people living in the Channel Islands or Isle of Man, the UK is rated as Europe (see below)

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Long Stay Travel Insurance: Europe

From 1/ Mar Including Luggage/ Cancellation (Not Economy)
Months Economy Bronze Silver Gold
3 (31/ May) 40.16 59.06 69.49 83.39
4 ( 30 / Jun) 52.52 77.23 90.86 109.04
5 (31 / Jul) 67.96 99.95 117.58 141.10
5.5 (15 / Aug) 74.14 109.03 128.27 153.93
6 (31 / Aug) 80.32 118.12 138.96 166.75
7 (30 / Sep) 95.76 140.83 165.68 198.82
8 (31 / Oct) 108.12 159.00 187.06 224.47
9 (30 / Nov) 120.47 177.17 208.43 250.12
10 (31/ Dec) 135.92 199.88 235.15 282.18
11 (31 / Jan) 148.27 218.05 256.53 307.83
12 (28 / Feb) 160.63 236.22 277.90 333.48
  • EU  =
    • The continent of Europe West of the Ural Mountains
    • Republic of Ireland, Channel Islands, Isle of Man
    • All countries bordering the Mediterranean Sea: this includes - Morocco, Algeria, Tunisia, Libya, Egypt, Israel, Syria and Turkey, subject to FCO guidelines.
    • The Azores, Madeira, The Canaries, Cyprus, Malta
    • The UK for people living in the Channel Islands or Isle of Man

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Long Stay Travel Insurance: WW EX

Including Luggage/ Cancellation (Not Economy)
Months Economy Bronze Silver  Gold
3 (31/ May) 70.46 103.62 121.90 146.28
4 ( 30 / Jun) 92.14 135.50 159.41 191.29
5 (31 / Jul) 119.23 175.34 206.29 247.55
5.5 (15 / Aug) 130.07 191.28 225.04 270.05
6 (31 / Aug) 140.91 207.22 243.79 292.55
7 (30 / Sep) 168.01 247.07 290.67 348.81
8 (31 / Oct) 189.69 278.95 328.18 393.81
9 (30 / Nov) 211.36 310.83 365.68 438.82
10 (31/ Dec) 238.46 350.68 412.56 495.07
11 (31 / Jan) 260.14 382.55 450.06 540.08
12 (28 / Feb) 281.81 414.43 487.57 585.08
  • WW EX: Excludes United States of America/ Canada/ Caribbean Islands

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Long Stay Travel Insurance: America/ Canada/ Carribean

Including Luggage/ Cancellation (Not Economy)
Months Economy Bronze Silver  Gold
3 (31/ May) 78.36 115.23 135.57 162.68
4 ( 30 / Jun) 102.48 150.70 177.30 212.76
5 (31 / Jul) 132.63 195.04 229.46 275.35
5.5 (15 / Aug) 144.68 212.77 250.32 300.38
6 (31 / Aug) 156.74 230.51 271.18 325.42
7 (30 / Sep) 186.89 274.84 323.34 388.01
8 (31 / Oct) 211.01 310.31 365.07 438.09
9 (30 / Nov) 235.13 345.78 406.80 488.16
10 (31/ Dec) 265.28 390.12 458.96 550.75
11 (31 / Jan) 289.40 425.58 500.69 600.83
12 (28 / Feb) 313.52 461.05 542.42 650.90
  • WW INC: Includes  United States of America/ Canada/ Caribbean countries

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  • The standard Excess is : 100 - Bronze, 50 - Silver, 25 - Gold. When deleted an excess will still apply to certain sections of the policy. The cost of deleting the excess is 10% of the premium (multiply by 1.1)
  • Cancellation cover is 1,000 for Bronze, 3,000 for Silver and 10,000 for Gold. This cover can be removed, saving 20% on the premium
  • Medical Expenses is 2,000,000 for Economy/ Bronze, 5,000,000 for Silver and Unlimited for Gold
  • Baggage/ Personal Effects is 1,000 for Bronze, 1,750 for Silver and 2,500 for Gold. The Gold contract has substantially higher limits (750 single article for instance.)
  • Additional benefits include golf cover for clubs, bag, green fees, travel dispute cover (legal expenses is provided but excludes claims against holiday organisers e.g. hotels/ flights and tour operators)
  • Business travellers may include business equipment, trade samples, computers if desired.

Medical Conditions

The premium having been obtained, customers with medical conditions may obtain a no-obligation quote to cover them.

A pre-existing medical condition exists if you or anyone in your party or anyone upon whose health the trip depends have:-

  • Been prescribed medication or received treatment or attended a medical practitioner's surgery in the last two years.
  • Attended a hospital or clinic as an out-patient or in-patient in the last two years
  • Been currently put on a waiting list for treatment or investigation
  • Been diagnosed by a medical practitioner as suffering from a terminal illness.

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