Long stay travel insurance

You need to tell us about your pre-existing medical conditions when you take out your policy. This includes anything you have required treatment, consultations, investigations, or medication for in the last 2 years and if you've ever had any circulatory conditions such as high blood pressure or stroke.

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-19 on our policies, you need to have had all doses of the COVID-19 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-19 vaccine then you won’t be covered for COVID-19 related claims.

Unfortunately, no. Once you return to the UK, your long stay travel insurance will come to an end, even if the policy still has time remaining. This means you won’t be able to use the same policy to head abroad again.

If you’re planning on making several trips home during a longer stay overseas, an annual multi-trip travel insurance policy might work better for you. These policies cover multiple trips within a 12-month period, please check the policy booklet for trip limit details.

To make sure you’ve got the right cover for your plans and to fully understand what’s included, it’s a good idea to check your policy wording or get in touch with our friendly team. We’re here to help!