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Long Stay Travel Insurance

How to use this table: Search for the policy by price, rating or name from the table below. Click on the right hand column to get more information and quote.


Long Stay Travel Insurance Guide

There are 45 different specialist long stay travel insurance polices to choose from. Every policy has been rated using our own in-house algorithm and then ranked by price. The algorithm takes into account many factors, including things like, sections covered, sums insured, terms and conditions, additional benefits, and excess.

Each policy has been given a one to five star rating. Using our search facility, you can filter policies by star rating, premium, excess, levels of cover, or a combination of filters. Once you have filtered the search results to best suit your needs. you can click “Get a Quote” and go through to the Insurance Providers website where you can finalize your policy.
Longstay Travel Insurance

In Brief

If you plan to go on holiday for longer than 90 days and visit multiple countries, then you should look at taking out a long term travel insurance policy.

Specialist Long Stay policies, let you stay abroad for up to 18 months at a time. You can visit as many countries as you want (providing they are not on the unsafe countries to visit list. Check with the Foreign Office Website.

Long Stay policies tend to be more flexible than standard policies, allowing you to choose the exact cover you need.

Who is it for?

Anyone under the age of 60 who wants to travel for 90 days or more (some specialist insurers will cover anyone over the age of 60 but tend to reduce the maximum number of days covered.)
  • Anyone under 60 who wants to travel for 90 days or more

What you need to know about Long Stay Travel Insurance

Some long stay policies will allow you to work, whilst abroad but most exclude any manual work.

Long Stay Insurers understand that you are likely to take part in adventurous activities or sports and will include a list of additional sports and activities that are covered under normal terms. It should also be possible to include winter sports and for the whole length of your stay if necessary.

Important Considerations

If you are planning a long trip abroad and your visit includes multiple countries, remember to check with the foreign office on a regular basis. The political situation can change quickly, and things like civil war and military coups do happen. A country can be deemed not suitable for travel within hours and you could end up trapped or worse made hostage.

You will be far from home for an extended period. Cover for baggage and money is probably more important, as you will be taking more with you. Choosing a policy that has high levels of cover and minimal exclusions is advisable.

Most long stay travel policies tend to have lower sums insured than standard single trip ones. This is to keep the cost of the policy as low as possible. Whilst Long Stay policies are competitive, it is worth using our search facility to compare the cost and cover with single trip policies, as some will allow you to travel for up to 12 months.

More and More Travel companies include lists of acceptable pre- existing medical conditions. The same is true of long stay holiday insurance. Although the longer you are on holiday, the more critical an existing medical condition could become and the higher the risk. So it is important that you provide accurate information in respect of any medical issues.

Remember to also check if you need a visa as there are Visa Requirements for several countries for visits of more than 90 days.

Star Ratings Explained


Market Research companies hand out top rankings to a large proportion of Travel Insurance Policies.

Thats Insurance has been much more strict in our ranking process. We have awarded Five Stars to only the very best policies.

We appreciate that not every customer will want nor need a five star policy. The information on the right details exactly what you can expect from a policy with one of our star ratings.

Broadly speaking Three Star policies provide cover which is inline with the market average. Four and Five Star policies provide cover which is above the market average and One and Two star policies provide cover below the market average.

  1. The policy covers all core sections and all secondary sections under a travel policy.

  2. All Core Sections of cover are above the levels of the market average policy.

  3. All secondary sections are either at or above the levels of the market average policy.

  4. Has additional benefits over and above a standard policy.

  5. Includes cover for supplier insolvency as standard.

  6. Includes natural catastrophe cover, either as standard, or as an optional add on.

  7. Has the most competitive premiums in relation to the cover provided, across the range of scenarios tested.

  8. Has clear and consumer friendly, policy wording and explanations of cover.

  9. The policy has an alcohol wording that is more customer friendly than the standard blanket exclusion.

  10. The standard excess is below the level of the market average.

  1. Covers all core sections and secondary sections under a travel policy.

  2. Core Sections of cover either at, or above the levels of the market average.

  3. May have additional benefits over and above the standard policy.

  4. May not automatically include cover for supplier insolvency.

  5. Premiums are competitive premiums in relation to the cover provided across the range of scenarios tested.

  6. Has clear and consumer friendly policy wording and explanations of cover.

  7. The standard excess is either at or below the level of the market average.

  1. Provide cover for all core sections, but may have some secondary sections missing.

  2. May have Core sections of cover that are lower than the level of the market average.

  3. Premiums may not be as competitive, or be consistently competitive across the range of scenarios tested.

  4. The Insurer, may not have been able to provide quotations across the full range of scenarios tested.

  5. The excess may be above the level of the market average.

  1. May have some core sections of cover missing.

  2. May have some secondary sections of cover missing.

  3. Levels of cover tend to be below the market average.

  4. Premiums may be lower than the market average due to the lower levels of cover.

  5. The Standard Excess is higher than the market average.

  1. Has core sections of cover missing.

  2. Has secondary sections of cover missing.

  3. Cover is much lower than the market average.

  4. Premiums are lower than the market average due to the lower levels of cover.

  5. The Standard Excess is higher than the market average.