Long Stay Travel Insurance

The amount of time we can cover you for depends on your age and where you’re going.

I'm 65 or under
• You can travel for up to 18 months (550 days) worldwide with our long stay policy

I'm 65 to 70
• For European destinations, you can travel up to a whole year (366 days)
• If you’re travelling to Bermuda, Canada, China, Hong Kong, Mexico , Singapore, Thailand, the islands of the Caribbean and the USA you can travel up to 6 months (184 days)
• If you’re travelling anywhere else, you can travel up to 9 months (276 days)

I'm 71 to 75
• For European destinations, you can travel up to a whole year (366 days)
• If you’re travelling to Bermuda, Canada, China, Hong Kong, Mexico, Singapore, Thailand, the islands of the Caribbean and the USA you can travel up to 4 months (123 days)
• If you’re travelling elsewhere, you can travel up to 6 months (184 days)

I'm over 75
• If you’re over 75, you can travel anywhere in the world for up to 3 months (104 days) with our Single Trip policy

You can cover your cruise with a long stay policy, just as long as we can cover the length of your cruise. This will depend on your age and where you’re travelling to. Take a look at the ‘How long can I travel for on a long stay policy?’ section above.

To add Cruise Cover you’ll need to take out a Comprehensive and Signature Travel Insurance policy.

You need to tell us about your pre-existing medical conditions when you take out your policy. This includes high blood pressure, diabetes and cancer. This means you’ll be covered if you have a medical emergency relating to that condition.

Adding cover for your conditions is simple. You can do it online or by calling our contact centres. If anything changes between taking out your policy and going on holiday, you need to let us know, but you can also do this online.

You can get Long Stay Cover for most countries if the FCDO say it’s safe to visit.

To check your destination is safe to visit, take a look at the FCDO’s travel advice. Advice can change at any time, so make sure you check it’s safe to travel before you set off.

If the FCDO, World Health Organisation or local authorities have advised against ‘all’ or ‘all but essential’ travel to your destination, then you won’t be covered by our travel insurance policy.

If you travel against FCDO advice, your policy will become invalid and won’t cover you if you need to claim. Even if advice changes while you’re on holiday, you won’t be covered if your destination was listed as unsafe when you travelled.

To be covered for COVID on our policies, you need to have had all doses of the COVID vaccine you’ve been offered, including any booster jabs.

You can also be covered if you can’t have the vaccine due to a medical exemption.

If you’ve refused any doses of the COVID vaccine you won’t be covered for COVID related claims.