Longstay & Backpacker
LONGSTAY & BACKPACKER
Travellers taking extended trips abroad of up to 18 months.
Two levels of cover to choose from – you can choose ‘Backpacker’ or ‘Longstay’ cover. Recognising that backpackers only require essential covers, ‘Backpacker’ provides 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 & travel documents and legal advice & expenses.
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 (maximum 21 days per trip) during the policy period.
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.
Gadget Cover (Longstay policy only) – cover is provided for theft; accidental damage (including liquid damage); loss; breakdown and unauthorised call/data use for your gadgets including: Mobile Phones; iPads; Tablets; Cameras; Laptops; Portable Gaming Consoles; iPods/MP3 Players; E-readers/Kindles; Smart Watches; Sat Navs and Portable DVD Players, purchased as new or in the case of refurbished items purchased directly from the manufacturer by you in the UK or the Channel Islands, that is no more than 3 years old at the point of policy purchase.
Free sports & activities cover – a wide range of activities are included free of charge under both Longstay and Backpacker with Activity Pack 1. Other activities may be covered under Activity Packs 2, 3 or 4 on payment of an additional premium. See Activity Pack Guide for further details.
Consular Assist Cover (optional) – provides emergency assistance in situations such as your passport being stolen, or if a member of your family at home becomes ill. Consular Assist gives you the reassurance of knowing that even when you’re miles from home, you are only moments from help, providing you with advice and support from Embassy-trained staff 24 hours a day, 365 days a year. Cover can be included by paying an additional premium.
Excess waiver option – for a single additional premium the standard claims excess can be deleted. Note: the excess would still apply for Gadget cover and where any additional excess has been imposed following a call to Travel Administration Facilities to declare a medical condition.
24hour 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.
Available to residents of the UK, the Channel Islands or for British Forces Posted Overseas (BFPO) who have not spent more than 6 months abroad in the last 12 months.
Longstay – Up to age 75* if travelling to European, Australian and New Zealand destinations.
Longstay – Up to age 69* if travelling to Worldwide destinations.
Backpacker – Up to age 39*.
*On the date you purchase your policy.
TRIP DURATION LIMITS
Periods from 1 month up to a maximum trip duration of 18 months.
PRE-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. See page 2 of the Insurance Policy for further details.
Consular Assist cover – UK General Insurance Ltd on behalf of Great Lakes Insurance SE and administered by Legal Insurance Management Limited.
Gadget cover – arranged by Supercover Insurance Ltd and underwritten by UK General Insurance Limited on behalf of Great Lakes Insurance SE.
All other sections of cover are insured by Union Reiseversicherung AG, UK and administered by Travel Insurance Facilities plc.
Premiums, which include Insurance Premium Tax, are shown in the Underwriting Guide.
HOW TO APPLY:
Brokers and Agents:
Alternatively, call 02392 419 050 Mon to Fri 9am – 5pm.
Alternatively, call 02392 419 070 Mon to Fri 8am – 6pm.
Last updated: 7th July 2017.
With over 25 years experience in travel insurance, we have created specific products to cater for specific needs. Whether you require cover for a medical condition, hazardous activities, round the world trip, Gap year, etc., we have a policy for you.
As schemes specialists, we are able to provide some unique products; these currently include: ‘Top-up’ Cancellation cover; ‘Top-up’ Activity cover, Euro Plus (breakdown cover for people travelling to Europe); and PJH Worldwide for those who have already travelled and expats.
We have a range of facilities to cover companies; ranging from Group Personal Accident and Travel to Liability cover for Tour Operators. Specific products include: Business; Coach Plus Breakdown; Coach Plus Driver; Cyber Risks Cover; SAFI and IIA Travel Protector.