Travel insurance at affordable premiums

What do long stay travel insurance policies cover?

There are likely to be few travellers these days who have not at least heard of the need for travel insurance – despite the evidence which continues to surface on the high number of younger people in particular who do so without the safety of such cover.

But if you have taken heed of all the advice and seek out travel insurance, you might still have a problem if you are planning to be away for longer than a month or so. The simple fact is that most standard travel insurance policies provide cover for up to a maximum of 30 to 60 days, depending on the insurer.

If you are travelling for longer than that – on an extended holiday or business trip, visiting friends or family a long way from home, or exploring the world during your gap-year, for instance – you are likely to need long stay travel insurance.

This is a specialist form of travel insurance – available from us here at Bengo Travel – which typically provides cover for up to 18 months.

It is important not to confuse long stay insurance with annual, multi-trip travel insurance (designed for frequent travellers) and to bear in mind that your long stay cover may be regarded as ended if you break your travels with a trip back home.

Long stay travel insurance cover

Not all long stay travel insurance is the same, of course – our cover may be tailored to Long Stay Last Minute cover, Long Stay Essential, or Long Stay Optimum – and some policies may cover risks and perils which others do not.

Amongst the commonly covered risks are the following:

· medical emergencies and treatment – probably the most critical aspect of any travel insurance, potentially saving you thousands of pounds in treatment for life-threatening incidents;

· the cost of repatriation to the UK following any such incident;

· emergency dental treatment;

· cancelation of your trip or the need to curtail it for reasons beyond your control;

· missed connections, departures and delays of longer than 12 hours – again for reasons beyond your control;

· the loss or theft of your documents (such as your passport, tickets and the like), money, baggage and possessions;

· credit card fraud;

· indemnity for public liability – otherwise, any of your actions, or failures to act, resulting in another’s personal injury or property damage might leave you with very substantial claims for damages.

The list is by no means exhaustive, and if you are planning an extended journey overseas it is clearly important to understand and read through your policy documentation very carefully so that you know what is, and what is not, covered. Arranging the protection you need is something that has to be done before you go and not as an afterthought when you already get there.

Further reading: Bengo Travel’s Guide to Long Stay Travel insurance.