Longstay & Backpacker

Travelling Against FCDO Advice:

Longstay & Backpacker cannot cover you when travelling to destinations that the FCDO (previously known as the FCO) have advised against. However, we can still help – learn more, generate quotes and arrange cover, here.


Longstay & Backpacker is a specially designed travel insurance policy for people who take extended trips abroad of up to 18 months, such as a gap year or round the world trip.
  • Standard
    provides essential cover for cancellation, curtailment, personal possessions, emergency medical expenses, personal liability and personal accident.
  • Longstay
    provides higher limits and additional cover for gadgets*, departure delay, missed departure, possessions delayed in transit, personal money & loss of travel documents and legal advice & expenses.
  • Longstay Plus
    provides the same benefits as Longstay with enhanced cover limits.

Already Travelled

If you require insurance having already embarked upon your travels, please see our Worldwide Global Travel Insurance.

02392 419 011



Longstay & Backpacker provide cover for single trip travel for periods from 1 month up to a maximum duration of 18 months.

For those wishing to break their trip midway, Longstay & Backpacker allows you to return home, say, at Christmas or Easter, for up to two trips, each up to a maximum 21 days per trip during the policy period. Cover is suspended during the period at home.

Longstay & Backpacker automatically provides for ‘stop-overs’ of up to 7 days maximum in a higher rated area e.g. travelling to New Zealand via the USA.

The standard excess can be reduced to ‘nil’ by paying an additional premium of £15 per person (£30 for Family cover).

Read more on our Key Features page.

*Gadget cover includes:  handheld consumer electronic devices such as mobile phones, tablets, iPads, kindles, satnavs, cameras, lenses, camcorders, smart watches, smart glasses, head mounted displays, hand held games consoles, portable DVD players, headphones, wireless speakers, MP3 players, iPods and laptop computers (laptops are not covered for accidental loss), purchased as new or, in the case of refurbished items, not purchased directly from the manufacturer or network provider in the UK; that is no more than 48 months old at the start date of the trip.

If we can’t offer you the travel insurance cover you want, or your premium is higher than you expected because you have serious medical conditions, you may be able to get help by accessing the MoneyHelper travel insurance directory or by calling 0800 138 7777 (Open Monday to Friday, 8am to 6pm).