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

  • Backpacker
    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, 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 reduced to ‘nil’. This will not apply where any additional excess has been imposed following a call to the medical screening line, or the excess under section C2 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: handheld 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 (laptops are not covered for accidental loss) and there is no cover provided under this section for drones), purchased as new in the UK or, in the case of refurbished items, not purchased directly from the manufacturer or network provider in the UK. Any device that was purchased as secondhand or used, that is not a refurbished device that was sold with a minimum 12-month warranty; 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

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 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 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, and insured by White Horse Insurance Ireland dac.

White Horse Insurance Ireland dac is registered in Ireland No. 306045.

White Horse Insurance Ireland dac’s Registered Office is First Floor, Rineanna House, Shannon Free Zone, Shannon, County Clare, Republic of Ireland.

White Horse Insurance Ireland dac is authorised and regulated by the Central Bank of Ireland.

Deemed authorised by the Prudential Regulation Authority and subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority.

The nature and extent of consumer protections may differ from those for firms based in the UK.

Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website, our FNR is 203320