Long Stay Travel Insurance

If you plan to travel around the world during your gap year, enjoy an extended holiday with friends and family or simply teach abroad while you decide on a new direction for your career, traditional travel insurance packages will be unable to meet your needs.

Travel Insurance

Most insurance packages only provide cover if you are a genuine tourist rather than a temporary resident and usually have a maximum duration of 60 days. Such deals also contain a number of restrictions – such as forbidding the policy holder from taking paid employment – that make them impractical for anyone looking for something more than the usual sightseeing tours.

If your plans are relatively uncertain because you want to remain flexible enough to stay longer in the places you like and leave the places you don’t early, then ensure your policy allows changes to be made at a later date. You might, for example, decide to extend your entire trip by another month or so. You also might decide to take part in winter sports because the opportunity presents itself. Adding this option to an existing long-stay policy is cheap and easy to do. Trying to arrange separate additional insurance while you are already on holiday could be something of a nightmare.

Being away for an extended period of time gives you the chance to become far more involved with the local culture of the places you visit. Adequate travel insurance gives you peace of mind. It means that, in the event of accident or illness, all your medical costs will be covered including – in many cases – the cost of being flown home to continue your treatment.

Although you are unlikely to deliberately take additional chances while on your trip, being away from regular tourist haunts and eating in local outlets may slightly increase your risk of becoming ill or being the victim of a robbery. This may be especially true if you are travelling from one country to another during the course of your trip and are therefore always relatively unfamiliar with your surroundings.

Should your passport or bag be stolen, insurance will cover the cost of a replacement and this means that you will be able to continue your trip rather than having to cut it short and return home. If you find yourself stranded because of cancelled flights or a hotel closure, travel insurance can help you to recover any money you pay for alternative travel or accommodation.

Insurance policies vary a great deal so ensure you choose one which is tailor made for everything you plan to do while you are away and be sure to check the small print if you are unsure about whether a particular activity is covered. If you simply want to go and teach abroad, a basic policy will probably be fine. If, however, you find yourself hiking, white-water rafting or even working on a building site, you may discover that such activities are specifically excluded.

If you or someone you plan to travel with is approaching retirement, you should also be aware that most long-stay travel insurance policies are only available to those aged 64 and under. This is several years younger than is standard with traditional travel insurance policies, most of which provide cover up to the age of 75.

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