Nowadays, taking an extended trip abroad is not just confined to students who have long summer holidays or are taking a year out before university. More people than ever now take a career break, or plan a trip after retirement – according to Abbey, an estimated 19% of students are saving for a post-graduation trip*. Whoever you might be, if you are planning an extended trip abroad then you will need longstay travel insurance. Long Stay travel insurance is not to be confused with Annual travel insurance. Annual travel insurance usually cover for an unlimited number of trips taken within a year, but most of them have a maximum duration for each trip. This is usually between 31 and 60 days so if you already have this type of policy you will need to check your documentation, and if your trip is going to be longer than this you will not be covered. However, longstay travel insurance can be purchased for trips as long as 18 months. Although you may find that cover levels are slightly lower than those for Single trip or Annual Multi-trip policies, longstay travel insurance can be very affordable when calculated as a cost per day – often less than a coffee or a newspaper. However do ensure you check the longstay travel insurance cover levels are adequate for your needs. If you are still thinking that longstay travel insurance may be an unnecessary extra expense, consider this: medical bills for a broken leg can run into tens of thousands of pounds in some countries. However small you may consider the risk of needing emergency medical treatment to be, it makes sense for your peace of mind and that of your family to obtain cover. Many long stay destinations offer extreme sports such as scuba diving, skydiving and bungee jumping at much cheaper rates than the UK and you may be tempted on the spur of the moment to give them a go. It is very important to check the small print of your policy or check with your insurance provider to ensure that you are covered to participate in these activities. Pay particular attention to activities such as scuba diving, trekking, rafting and sailing as these may only be covered under certain conditions. It is also important to check that your long stay travel insurance policy covers you for any valuables you are taking with you such as glasses, mp3 players and digital cameras and also what the cover limits are for such items. You may already have “all-risks” cover for these on your home contents insurance policy. Some insurers will cover them on a “new-for-old” basis but you will need to keep hold of the original receipts and obtain a police report for claims of this nature. As you will have gathered from the above, it is essential when comparing different long stay travel insurance policies that you check the cover, terms, conditions and exclusions carefully so that you know exactly what you are getting before you purchase. Fortunately it is now easier to do this as all providers must provide a Policy Summary (also known as Keyfacts), which is a document that contains an outline of the key features and benefits of the long stay travel insurance policy. Nowadays it is easy to compare long stay travel insurance premiums in just a few clicks thanks to comparison sites such as Moneysupermarket. But be sure to check the small print carefully as cover levels vary considerably as well. Whatever long stay travel insurance policy you buy, keep a copy of your insurance details on your person all the time and leave a copy with someone at home. There are many websites out there that have some handy top tips to help you have a safe trip. Try www.gogapyear.com, www.fco.gov.uk/travel, and the 247 travel insurance website also have a helpful checklist here. A 12-month long stay travel insurance policy can be purchased for as little as £67.11 from www.247travelinsurance.co.uk- a small price to pay to relax and really enjoy your trip!
About the Author:
Roger has to travel worldwide very frequently for his office work. He has gathered knowledge about Multi trip travel insurance, single trip travel insurance. For more information on travel insurance he suggest you to visit http://www.247travelinsurance.co.uk/
Sat, 05 Jul 2008 08:36:09 - 100%
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