Travel insurance at affordable premiums

Going away for a longer break? then get covered

Seasoned travellers may already realise the importance of taking out holiday insurance. But what if you are going on holiday for more than a week or two? What if you are lucky enough to be taking an extended trip, perhaps for a month or longer? In this case you may want to consider long stay travel insurance. Here are some tips to help you when looking for the most suitable insurance for your holiday.

Situations where you may need long stay insurance

There are many situations where you may require long stay insurance as opposed to the general travel insurance you might take when going on holiday for a couple of weeks. A long stay policy may be required:

  • for any situation where you are travelling from one month and as long as six months;
  • if you are taking a sabbatical / gap year;
  • if you plan on travelling to different regions and your trip is going to be more than four weeks;
  • you are backpacking for four weeks or more.

Essentially for whatever reason you go on holiday or take a trip that is going to last a month or more, you may benefit from long stay travel insurance.

Things to consider when taking out a policy

Just as with any insurance policy, when taking out long stay insurance when travelling, there are things the policy covers and things that are not typically included. It is important to ensure you have suitable insurance for your needs.

Here are some things you may want to consider when looking for insurance for your extended holiday:

  • typical activities on holiday that may be included in the policy are cycling, swimming, snorkelling, golf and paragliding. However, check the policy to make sure;
  • activities that may be classed as extreme sports may not be covered in your policy. For instance snowboarding, bungee jumping, rock climbing or mountaineering. If you are planning on doing anything extreme check with the insurance provider to find out if you are going to be covered;
  • if the standard long stay travel cover doesn’t provide for activities you plan on taking part in, you may be able to add on extra protection to cover them;
  • the cheapest policy may not always be the best. While you may want to keep insurance costs down, just as important is the fact that you do have adequate insurance for your needs;
  • if you are taking an extended holiday in Europe you may wish to get a European Health Insurance Card. This card is free and allows you to gain access to healthcare that is state provided in countries in the EEA for free or at a reduced cost;
  • long stay cover may typically provide protection for up to 18 months’ worth of travel.

Here at Bengo Travel we provide long stay travel insurance that typically covers you for a wide range of things. For instance, cancellation of your trip, loss of personal belongings on holiday, including money and any medical expenses if you were to suffer an accident or become ill whilst on holiday.