Longstay & Backpacker

Please note, our policies do not provide cover for cancellation, abandonment or curtailment claims if the Foreign and Commonwealth Office (FCO) advises against all or “all but essential” travel.

Our policies will also not cover any claims caused by or relating to Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2), any mutation of Coronavirus, COVID-19 or SARs-COV-2 or any pandemic or fear or threat of any the above. We also can not cover any claims relating to any fear or threat concerning these viruses. This general exclusion applies to all sections of cover except for the Emergency Medical Expenses section. See our FAQs for more information.

Please read the update on COVID-19 from our Director, Peter Hayman 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.


provides essential cover for cancellation, curtailment, personal possessions, emergency medical expenses, personal liability and personal accident.


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 419 070


Trips covered up to 18 months

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

Return home at no extra charge!

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.

‘Stop-over’ cover

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.

Excess waiver option

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, I-pads, Kindles, satnavs, cameras, lenses, camcorders, smart watches, smart glasses, head mounted displays, hand held games consoles, portable DVD players, headphones, wireless speakers, MP3 players and I-pods – but not laptop computers, 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.