Key Features


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.

Main Benefits Include:

Three levels of cover to choose from

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.

Return home at no extra charge!

For those wishing to break their trip midway, the insured can return home, say, at Christmas or Easter. The policy provides cover for up to two trips home up to a maximum 21 days per trip during the policy period. Cover is suspended during the period at home.

Automatic ‘Stop-over’ cover

Cover is automatically provided 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

For a single additional premium, the standard claims excess can be deleted. Note: the excess would still apply for Gadget cover and where any additional excess has been imposed following a call to Travel Administration Facilities to declare a medical condition.

Gadget cover (Longstay & Longstay Plus only)

We will provide insurance during the period of cover for theft, accidental damage, loss, breakdown and unauthorised call/data use for your gadgets including, 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 your trip.

24 hour medical emergency assistance

A 24 hours a day, 7 days a week, 365 days a year helpline is provided for assistance in the event of a medical emergency abroad.

Please refer to the Insurance Policy for full details of the cover and limits.

FREE sports & activities cover

Over 100 sports and activities are automatically covered within Activity Pack 1 – See our activities page for details.

Other sports and activities can be covered within Activity Packs 2, 3 and 4 by paying an additional premium during the quote process.

Note: This policy does not cover: Base jumping; Canyoning; Extreme skiing; Cruise trips or working as a Ski instructor.

Age & trip limits
Longstay & Longstay Plus:

From age 16* or up to age 75 if travelling to European, Australian and New Zealand destinations or for those travelling to Worldwide destinations the maximum age is 69, on the date you purchase your policy.


From age 16* or up to age 39 on the date you purchase your policy.

If you are aged over 75 (or over 69 for Worldwide cover), please contact us for an alternate policy.

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

*when travelling independently from an insured adult.

Existing medical conditions

This policy may not provide cover for re-occurring or existing medical conditions; however, some cover may be available by contacting Travel Administration Facilities by calling 0203 829 3855 or you can complete your medical screening online. See page 2 of the Insurance Policy for further details.


Longstay & Backpacker is available to UK, Channel Islands & BFPO residents, who have not spent more than 6 months abroad in the last 12 months.


Longstay & Backpacker is underwritten by Union Reiseversicherung AG and administered in the UK by Travel Insurance Facilities plc for sections A & B1 to B8 and by UK General Insurance Ltd on behalf of Great Lakes Insurance SE for sections C1.