LONGSTAY Travel Insurance
Our LONGSTAY travel insurance product is designed to cover
1. any type of travel including Gap Year and work placements
2. all persons up to the age of 55 years
3. trip duration up to 558 days.
This insurance is suitable for a single round trip starting and finishing in the UK & Channel Islands, is of no more than 18 MONTHS days duration, for persons whose age is 55 years or less. This insurance will not cover a one-way trip or on cruises.
This insurance is only available to persons who are permanently resident and domiciled in the UK & Channel Islands.
Return Home cover :Cover under Policy B, travel insurance, is extended to include 2 return trips to your home country for a period of up to 21 days per trip.
When using the return home extension all cover is suspended on clearance of customs in your home country and restarts after the baggage check in at your international departure point for your return flight, international train or ferry to your overseas destination. All cover ceases if you have made a claim or intend to make a claim under the Curtailment section. All cover ceases following your return home if you have made or intend to make a Curtailment claim.
Many Sports and other Activities are covered as standard with many more available for a supplement. Please review the Activity Schedule at the foot of this page and contact us if you wish to arrange additional cover.
including all countries west of the Ural Mountains, Algeria, Morocco, Tunisia, Turkey, the Azores, Canary Islands, Madeira and Mediterranean islands and the United Kingdom where it is not your home country.
2. Australia and New Zealand
All countries outside of the above excluding the United States of America, Canada and the Caribbean.
All countries outside of the above including the United States of America, Canada and the Caribbean.
CANCELLATION up to £2,500
If you have to cancel your trip due to death, illness, injury, redundancy, jury service, the requirements of HM Armed Forces or abandonment following a 24 hour departure delay you are covered against loss of travel and accommodation costs. Policy Excess £75.
SCHEDULED AIRLINE FAILURE up to £1,000
Covers scheduled airline tickets cancelled prior to departure and cost of replacement equivalent tickets incurred in order to return to the UK due to bankruptcy/liquidation of the airline. No Policy Excess
DELAYED TRAVEL up to £200
If your outward or return trip is delayed for more than 12 hours at the final departure point to/from UK due to adverse weather conditions, mechanical breakdown or industrial action, you are entitled to £20 for the first 12 hours and £20 for each further 12 hours delay up to a maximum of £200
MISSED DEPARTURE up to £500
Additional travel and accommodation expenses incurred to enable you to reach your overseas destination if you arrive too late at your final UK outward departure point due to failure of the vehicle in which you are travelling to deliver you to the departure point caused by adverse weather, strike, industrial action, mechanical breakdown or accident to the vehicle. No Policy Excess.
PERSONAL BELONGINGS up to £1,000
Covers accidental loss, theft or damage to your personal luggage subject to a limit of £150 for any one article, pair or set and an overall limit of £300 for valuables such as cameras. Jewellery, furs, etc. Policy Excess £75. Delayed luggage up to £100. If you lose your passport or it is stolen whilst abroad you are covered for additional travel and accommodation costs incurred in obtaining a replacement.
No cover is provided for loss or theft of unattended property, valuables or money or for loss or theft not reported to the Police within 24 hours of discovery
PERSONAL MONEY up to £500
Money, travel tickets and travelers cheques are covered up to £500 against accidental loss or theft (cash limit £200). Policy Excess £75.
EMERGENCY MEDICAL EXPENSES up to £5,000,000
Including a 24 HOUR WORLDWIDE MEDICAL EMERGENCY SERVICE
The cost of hospital and other emergency medical expenses incurred abroad, including additional accommodation and repatriation expenses.
Limit £100 for emergency dental treatment and £5,000 burial/cremation/transfer of remains. Limit £2,500 for transfer of remains to your home if you die in the UK.
Policy Excess £75
Includes HOSPITAL BENEFIT up to £200 An additional benefit of £20 per day for each day you spend in hospital abroad as an in-patient. No Policy Excess
CURTAILMENT up to £500
if you need to come home early due to your illness or injury or because of the death or illness of a close relative or business associate
Policy Excess £75.
PERSONAL LIABILITY up to £2,000,000
Covers your legal liability for injury or damage to other people or their property, including legal expenses (subject to the laws of England and Wales). Policy Excess £250.
PERSONAL ACCIDENT up to £15,000
A cash sum for accidental injury resulting in death of £5,000, loss of sight, loss of limb or permanent total disablement of £15,000. No Policy Excess.
LEGAL EXPENSES up to £25,000
To enable you to pursue your rights against a third party following injury. Policy Excess £100.
MUGGING EXPENSES up to £500
A sum of £100 for each full day that you are hospitalised as a result of mugging. No Policy Excess
HIJACK EXPENSES up to £500
A sum of £100 for each full day confined as a result of hijack. No Policy Excess
MAIN EXCLUSIONS & CONDITIONS
The following represents only the main exclusions. The policy document sets out all of the conditions and exclusions. A copy of the full policy wording is available on request in writing prior to application.
MAIN HEALTH EXCLUSIONS:
Insurers will not pay for claims arising from -
(1). any claim arising from a known pre-existing medical condition of a close relative or a close business associate or any recognised complication caused by the pre-existing medical condition
(2). any pre-existing medical condition or health condition that has been diagnosed, been in existence or for which you have received treatment from a hospital or specialist consultant during the last two years or for which you are awaiting or receiving treatment or under investigation unless we have agreed cover in writing and any additional premium has been paid
(3). any claim arising from a material fact known by you at the time of buying this policy or which occurs between booking and travel unless it has been disclosed to us and we have agreed in writing any terms applicable
(4). you being under the influence of drugs (except those prescribed by your registered doctor but not when prescribed for treatment of drug addiction).
(5). you being under the influence of alcohol or solvents or anything relating to your prior abuse of alcohol or solvents.
(6) any psychological conditions such as stress, anxiety, depression, eating disorders or mental instability.
OTHER GENERAL EXCLUSIONS
Claims arising from
(1) war, terrorism, biological or chemical warfare, invasion, act of foreign enemy, hostilities (whether war has been declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.
(2) participation in a hazardous activity unless the appropriate additional premium has been paid and the policy endorsed.
(3) you travelling against the advice or recommendations published by the Foreign and Commonwealth Office and applicable at the time of your departure.
(4) on a one-way trip or on cruises or where you have been outside your selected geographical area for more than 5 days in total.
The amount of each claim for which insurers will not pay and for which you are responsible. The excess as noted in the policy summary applies to each and every claim per insured person under each section where an excess applies.
This insurance contains Health Conditions so you should inform us of any medical conditions that may affect the Insurers acceptance of your cover. Please therefore telephone Travellers HealthCheck on the following number to inform us if anyone to be covered by the insurance
(a) has ever had a circulatory, heart or blood pressure related problem, a stroke, cancer, asthma or any breathing problems, diabetes, any psychological problem
(b) had any other medical condition which has been treated in hospital or has been referred to a specialist in the last 2 years
(c) you are waiting for tests or treatment of any description
(d) your doctor alters your regular prescribed medication
Failure to notify us may cause your circumstances to fall within a policy exclusion.
Telephone TRAVELLERS HEALTHCHECK on 0845 6582 999
In the event that an additional premium is required to cover your conditions, you will be asked to pay Travellers HealthCheck direct.
Below you will find relevant documents for your use in PDF format (if you need to download Adobe's free reader you can do so here).
|LONGSTAY - Activity Schedule|
|This is a list of the many and various sports and other activities that can be covered.|
|LONGSTAY - Application Form|
|Designed for extended stay, gap year, back packer and other trips with a duration availabilty up to 18 moths.|
|LONGSTAY - Policy Document|
|Document detailing the full terms and conditions of the cover provided and valid only when issued with a schedule following online purchase.|