If any of you have started looking at your options for long term travel insurance, you will have found that it’s a little trickier than you first think.
First of all its worth pointing out that annual travel insurance policies will not cover you for long term travel – most have a stipulation that any single trip can only be up to 90 days in length.
Secondly the insurance companies that you would usually turn to for your two-week holidays, in our experience will quote ridiculous figures for any trips over a few months in length. For example when budgeting for a year long trip we were quoted figures of £1000+ each! Needless to say this was not an option.
An additional problem some of you might also relate to is that we needed a policy we could extend. When purchasing insurance most companies need to know you start and end date for travel. Most also require you to begin and end your journey in your home country. If like us you do not know when or where you will finish your journey, or might perhaps have already started travelling then you might want to consider some of the options below.
*Please note these are only suggestions and should be used as a guide only. We would recommend you do your own additional research and always read the full policy before purchasing to ensure its right for your circumstances.
- This is the company we chose in the end. We paid £620 (£310 each) for a 10 month policy that can be extended during the policy period. They also insure those who have already commenced travel.
*Planning on doing activities and sports…always check what’s covered first!! Each company above varies so read up on each policy.
If like us you found the options above lacked the required amount of gadget cover then this policy might also be worth considering.
- A £400 item limit on our policy failed to cover our cameras or laptops so we paid this company an additional £100 approx. to ensure we were covered.
We have (thankfully!) never had to claim on any of the policies above so unfortunately we are unable to comment on this aspect. However we hope you find the information above useful.