Long Stay Travel Insurance
- Cancellation - Up to £10,000
- Baggage - Up to £3,500
- Disruption - Up to £1,000
- Medical Expenses - Up to £10 million
- Cover for Trips up to 18 Month
- Optional Extension up to 24 Months (upon referral)
8 Options available including:
Travel Insurance with Gadget Cover, Action Activities Cover, Sports Equipment and Cycle Insurance Cover, Winter Sports Cover...see all
Why Choose Able2Travel?
- Specialists in travel insurance for people with existing medical conditions
- Full Cover available for 1,000s of conditions
- Instant cover by telephone or quick and easy online screening in a few minutes
- Great value cover also available for you and everyone travelling with you
Voyager Plus Long Stay Travel Insurance
Long Stay Travel Insurance
Travel Insurance Designed for Extended Trips
If a one or two-week short holiday doesn’t quite cut it, you might be thinking bigger. For instance, backpacking, taking a career break, or exploring the world— long stay travel insurance is worth considering including in your backpack.
Whether you’re staying with family and friends abroad or exploring multiple countries over several months, having a travel insurance in place can give you peace of mind while you explore.
No one wants to think about the things that could go wrong while travelling, but having the right cover ensures you’re protected against unexpected events like trip cancellations, medical emergencies, lost baggage, and delays—so you can focus on enjoying your journey.
Our flexible cover is designed for one extended trip, from 2 months up to 18 months, so you can travel further for longer, confident that you’re covered.
What Does Long Stay Travel Insurance Cover?
Our standard long stay travel insurance includes the following:
Cancellation
Covers non-refundable, unused travel and accommodation costs, including pre-booked excursions if you need to cancel or cut short your trip
Emergency Medical Expenses
Cover for emergency medical treatment costs outside your home country, including repatriation if medically necessary
Baggage
Cover for loss, theft, or damage to your personal belongings including clothing worn, and luggage you took with you on your trip
Missed Departure
Cover for additional travel and accommodation costs if you miss your departure
Travel Delay
Cover if your public transport, such as plane, ship, train or coach, you booked to travel on is delayed by at least 12 hours
Personal Accident
Cover if you suffered life changing injuries during your trip
Click below to get an instant long trip insurance quote.
What Our Customers Are Saying About Us
We understand that choosing holiday insurance for your long term travel can feel overwhelming. That’s why we’ve made it simple and flexible, earning us the Platinum Trusted Service Award four years in a row.
Here you can read what our customers are saying about us.
Which Long Trip Travel Insurance Cover Is Right for You?
Voyager Plus Travel Insurance offers four levels of cover, making it easier for you to choose the option that best suits your long-term travel plans and personal needs.
| Policy Highlights | Standard (£/€) |
Enhanced (£/€) |
Prime (£/€) |
Supreme (£/€) |
| Cancellation | 1,000 | 2,500 | 5,000 | 10,000 |
| Baggage | 1,000 | 1,500 | 2,500 | 3,500 |
| Missed Departure | 250 | 500 | 750 | 1,000 |
| Travel Delay (per 12 hours) |
100 (20) |
200 (20) |
250 (25) |
500 (10) |
| Emergency Medical Expenses | 5 million | 7.5 million | 10 million | 10 million |
For full coverage details, please refer to the policy wording.
Click below to get an instant long trip insurance quote.
What Else Does Long Stay Travel Insurance Cover?
Additional Benefits for Long Stay Travellers
- Flexible Cover Duration – Choose a policy length that suits you, with extensions available up to 24 months (subject to age restrictions)
- 24/7 Medical Assistance – Access to a round-the-clock doctor service, ensuring you can speak to a healthcare professional anytime, anywhere. Click here to find out more about this service
- Multi-Destination Cover – Travel across multiple countries within your chosen coverage area without additional hassle.
Customise Your Cover with Optional Add-Ons
Tailor your policy to fit your travel plans with these optional extras:
- Gadget Cover – Insures up to 4 electronic devices against loss, theft, or damage
- Action Activities Cover – Covers adventurous pursuits such as scuba diving and white-water rafting
- Sports Equipment & Cycle Cover – Extra protection for sports gear and bicycles while abroad
- Winter Sports Cover – Protects skiing and snowboarding activities (up to 31 consecutive days)
- Cruise Cover – Specialist protection for travellers spending part of their trip on a cruise
- Golf Cover – Includes golf equipment and non-refundable green fees
Click below to get an instant long trip insurance quote.
Long Stay Travel Insurance Options
Winter Sports Cover
Winter Sports Cover provides protection for lost, damaged or stolen ski equipment, unused, lost or stolen ski packs and piste closure as well as extended cover for Emergency Medical Expenses for costs associated with winter sports activities.
Travel Insurance with Cruise Cover
Enhance your Voyager Plus Travel Insurance with our Optional Cruise Cover for added protection against, cruise interruptions, missed port departures, and many other unexpected cruise-related events.
Business Travel Insurance – Business Plus Option
Add Business Plus Insurance option to your Voyager Plus Travel Insurance policy to protect your business equipment, money, staff replacement costs and more.
Disaster & Terrorism Disruption Cover
Add Disaster & Terrorism Disruption Cover option to your Voyager Plus Travel Insurance policy to cover you against travel disruptions due to acts of terror, changes in FCDO/ WHO Travel Advice Restrictions and other circumstances such as volcanic ash clouds.
Sports Equipment and Cycle Insurance Cover
Add Sports Equipment and Cycle Insurance Option to your Voyager Plus Travel Insurance policy if you are planning to hire or take sports equipment or a bicycle with you on your trip.
Travel Insurance with Gadget Cover
Add Gadget Cover to your Voyager Plus Travel Insurance to protect your gadgets if it gets stolen, lost or damaged while abroad. This cover is available for up to 4 gadgets per person.
Golf Travel Insurance
Add Golf Insurance to your Voyager Plus Travel Insurance policy to get cover for golf clubs and other golf equipment. As well as cover for the cost to hire replacement equipment, if yours is lost, stolen or damaged
Action Activities Cover
Voyager Plus Travel Insurance policies include 100+ sports and hazardous activities at no additional cost. You can upgrade to include more adventurous activities and sports such as glacier walking (over 2000m), white water canoeing/rafting (up to grade 4) and more.
Frequently Asked Questions About Long Stay Travel Insurance
1. What’s the Difference Between Long Stay and Annual Multi-Trip Travel Insurance?
Long stay and annual multi-trip travel insurance cover travel in different ways. If you’re looking for travel insurance for a year-long trip, then a long stay policy is appropriate, as it is designed to cover one long trip lasting up to 18 months.
An annual multi-trip policy covers multiple short holidays within a 12 month period, with each trip lasting no more than 62 days.
2. How Long Can I Travel on a Long Term Travel Insurance?
The maximum time you can travel on long term travel insurance varies depending on your age:
- Up to 50 years old – Up to 18 months
- Ages 51 to 60 – Up to 12 months
- Ages 61 to 64 – Up to 9 months
- Ages 65 to 69 – Up to 6 months
3. Can I Extend Maximum the Trip Duration on Long Stay Travel Insurance?
Yes, in some cases:
- Up to 50 years old – Extend your trip to 24 months upon referral
- Up to 51 to 60 – Extend your trip to 18 months upon referral
- Ages 60 or above – Trip duration may not be extended
4. Can I Buy Long Stay Travel Insurance for Over 70s?
The maximum age limit for Voyager Plus Long Stay Travel Insurance is 69 years old. However, if your trip is between 31 and 62 days, you could opt for a 60 day travel insurance policy instead. For more details about Voyager Plus Short Stay Travel Insurance, click here.
5. Which Area Should Be Selected on Long Stay Travel Insurance?
If you’re planning a 6-month trip across multiple destinations, it’s important to select the correct area on your Voyager Plus Long Stay Travel Insurance for your 6 month trip. We’ve grouped destinations into four areas—simply choose all that apply to your trip:
- Area 1: The United Kingdom, including Northern Ireland
- Area 2: Covers all destinations in Area 1, plus the Isle of Man, the Channel Islands, Western Europe, any country with a Mediterranean coastline (excluding Algeria, Libya, Syria & Israel), the Canary Islands, Madeira, and Iceland
- Area 3: Includes all destinations in Areas 1 & 2, plus worldwide coverage (excluding North America, the USA, Canada, Mexico, the Caribbean Islands, the Bahamas & Bermuda)
- Area 4: Covers all destinations in Areas 1, 2 & 3, plus North America, the USA, Canada, Mexico, the Caribbean Islands, the Bahamas & Bermuda
Make sure to select all applicable areas to ensure you have the right level of cover for your long-term travels.
6. Does Your 90 Day Travel Insurance Include Skiing and Snowboarding Cover?
Winter sports cover including skiing and snowboarding can be added as an optional extra and is limited to a maximum of 31 days within your 90 day or 3 month travel insurance policy.
7. How Do I Get a Quote for Travel Insurance for Long Trips?
Getting a travel insurance quote for your long-term travel from Voyager Plus is quick and easy. Just follow these simple steps:
- Click the “Get a Quote” button
- Enter your details about yourself and your travel plans in the quote system.
- Choose the appropriate level of cover and tailor your policy to your travel needs
- Receive your long stay travel insurance quote
Important Information for Customers with Serious Medical Conditions - For UK Residents Only
MoneyHelper has developed a directory of specialist travel insurance to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance. If we are unable to help you and you are struggling to find medical cover that suits your needs, due to a serious medical condition, you may find a company that can help you through the MoneyHelper travel insurance directory www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory or by calling 0800 138 7777 - Monday to Friday, 8am – 6pm.
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Short Stay Travel Insurance
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Annual Multi Trip Insurance
If you are planning on having several holidays this year then a Voyager Plus Annual Multi-Trip Travel Insurance policy may be for you.
Short Stay Travel Insurance
If you have a specific holiday of up to 62 days duration in mind, a short stay Voyager Plus Travel Insurance policy will give you the peace of mind that you are protected financially if something should go wrong.
Annual Multi Trip Insurance
If you are planning on having several holidays this year then a Voyager Plus Annual Multi-Trip Travel Insurance policy may be for you.