Long stay travel insurance
Providing essential protection for independent travellers, long stay travel
insurance affords necessary cover for explorers visiting abroad for periods exceeding 90 days. Maximum duration age dependent, varies considerably from 5 months - 18 months.
Similar to backpackers
travel insurance (covers gap year students) except maximum age higher, better benefits
provided. Premiums proportionately cheaper. Use button below to compare costs, terms
and conditions.
Rating Factors. Why cheaper?
The following rating factors explain why long stay travel insurance is
cheaper.
-
Pre-booked accommodation probably not needed on long
journeys
-
Resulting cancellation costs limited
-
Independent streak resulting with hazardous/ dangerous
sports/ activities - insured separately?
-
Typical staying reasons for long time: visiting parents/
offspring, gap year travel, Voluntary Service Overseas (including teaching)
-
Lower baggage costs - travelling light.
Results: Premiums cheaper proportionately
for long journeys than standard travel insurance. BUT benefits reduced.
Policyholder's Age
Availability of long stay travel insurance depends on policyholder's age.
-
Upto 45: Some cheaper backpacker insurance policies also
quote - compare insurance rates above. Example: Gap Year
-
Upto 65: normal insurance rates, 12 or 18 months maximum
duration. Example: Career Break.
-
Over 65: Some travel insurance companies begin
restricting how long abroad
-
Over 70: Fewer insurance quotes: typical length 6 months
-
Over 75: Travel insurance for long periods outside
Europe limited
-
Over 80: Now insurance for longest stay reduced: 13
weeks America/ Worldwide 5 months Europe
-
Over 85: Similar: Insurance with no upper age-limit,
subject to travel period.
Regions
Premiums depend upon regions visited. Insurance for occasional travel in higher-rated areas maybe covered through stopover
benefits.
-
Europe: Mainland Europe (Including Russia West of Ural
Mountains). Mediterranean Islands. May include Canary islands, also North African
Countries bordering Mediterranean. i.e. Morocco, Algeria, Tunisia, Libya, Egypt, Israel,
Lebanon, Syria. Not Guaranteed. Comparison quotation system includes automatic adjustment
for each insurance definition of Europe.
-
Australia, New Zealand: Obviously Australia and New
Zealand - a long journey. Check Insurance wording includes stop-over cover if intending
short break elsewhere. Probably required Medicare registration on arrival.
-
Worldwide: Anywhere other than American Region. Short
stays in America en-route e.g. South America, Mexico could be allowed.
-
America: United States of America, probably Canada/
Caribbean Countries. Long trips expensive especially elderly. Again compare cheap prices
online with travel insurance quote system.
Medical Conditions
Pre-existing medical
conditions disclosure compulsory. Results from insurance comparison include screening
line. Travel length may result in higher insurance costs especially covering severe illnesses
(heart attack, stroke). Better terms for milder conditions cholesterol, mild diabetes.
Hazardous Activities
Check insurance includes hazardous activities on long trips.
Examples: bungee jumping, white water rafting or even just casual
work abroad. Winter Sports activities, ski-ing, heli ski-ing, luge, tobogganing, snow zorbing,
snow kiting etc cost extra. Suggest an Adventures Insurance
Policy covering dangerous sports etc for limited periods.
B Portwood & Co Ltd
B Portwood is an Insurance Broker based in Northern England. Three offices:
44 Medomsley Road, Consett; 145 Newgate Street, Bishop Auckland: 9 Bewick Road, Gateshead.
Long stay travel insurance is arranged at Consett Office : Telephone 01207509446 during normal
office hours.
Other long stay travel insurance links
Long Stay Travel Insurance to America
| Long Stay Travel Insurance to Australia | Long
Stay Travel Insurance Worldwide | Long Stay Travel Insurance to
Europe |
