Longstay & Backpacker


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

  • 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.
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 home (maximum 21 days per trip) during the policy period if buying the ‘Standard’ or ‘Longstay’ cover, or up to four trips home (maximum 31 days per trip) during the policy period if buying the ‘Longstay PLUS’ cover.

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 reduced to ‘nil’ paying an additional premium.

Note: the excess would still apply for Gadget cover.

Gadget cover (Longstay & Longstay Plus policies only)

We will provide cover for theft; accidental damage; loss; breakdown and unauthorised call/data use for your gadgets including: handlheld consumer electronic devices such as mobile phones, tablets, iPads, kindles, satnavs, cameras, lenses, camcorders, smartwatches, smart glasses, head-mounted displays, handheld games consoles, portable DVD players, headphones, wireless speakers, MP3 players, iPods and laptop computers.

Note: Laptops are not covered for accidental loss, cover for unauthorised call/data use is only for mobile phones and there is no cover provided under this section for drones.

A gadget must be in good working order and in your possession when you start your trip and:

  • Purchased as new in the UK, or, if purchased as refurbished, was not purchased direct from the manufacturer or network provider in the UK; or
  • Purchased as second hand or used, but not a refurbished device, that was sold with a minimum 12 month warranty; and
  • In any event not more than 48 months old at the date you started 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; Extreme skiing; Cruise trips or working as a Ski instructor.

Age & trip limits

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 pre-existing medical conditions; however, some cover may be available by contacting P J Hayman & Co Ltd 02390 419 068 or you can complete your medical screening online. See page 2 of the Insurance Policy for further details.


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


Longstay & Backpacker Travel Insurance is arranged by P J Hayman & Company Limited who are authorised and regulated by the Financial Conduct Authority.

Cover is underwritten by American International Group UK Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Registered in England: company number 10737370. Registered address: The AIG Building, 58 Fenchurch Street, London EC3M 4AB. Administered by American International Group UK Limited. AIG Travel provides claims handling and assistance services on behalf of American International Group UK Limited. AIG Travel is a trading name of AIG Travel EMEA Limited.

Except for Gadget cover which is administered by Bastion Insurance Services Ltd and underwritten by Collinson Insurance Collinson Insurance (a trading name of Astrenska Insurance Limited) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the United Kingdom, under Firm Reference Number 202846.