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Long Stay Travel Insurance

Specialist travel insurance to cover long holidays and adventures.

  • Cover for over 350 activities
  • 24-hour emergency helpline
  • UK based support

Get a quote online

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Overall service rating 4.6 / 5

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Why choose long stay travel insurance with Towergate?


Travel cover up to 365 days

Policies up to a year long.


Cover for over 350 activities

We can provide insurance for over 350 adventurous activities.


24-hour emergency helpline

24/7 medical emergencies claim helpline.

Direct Debit

Pay by Direct Debit

Choose to spread your payment into 10 monthly Direct Debit instalments.

About long stay travel insurance

Accidental Damage

Personal possessions cover while travelling

Up to £1,000 of cover for your personal possessions is provided in case they are lost, stolen or damaged while you’re away. There are individual limits for certain individual items, please check the policy wording for limits. If an item has been lost or stolen, make sure you notify the Police within 24 hours of discovery. Please be aware an excess may apply to this section of cover.


Emergency medical and associated expenses

Cover is included for medical expenses including repatriation under the SunWorld policies and you can get cover for up to £15 million for Medical Emergency and Repatriation Expenses. An excess may apply but we do recommend you to get an EHIC card to allow you to benefit from the health care arrangements which exist between countries within the EU/EEA or Switzerland. In Australia you must enrol with a local MEDICARE office after the first occasion you see medical treatment and make sure you call the Emergency Claims Assistance Service for guidance. All claims are handled within the UK.


Adventurous sports and activities

Our long stay travel insurance covers a variety of hazardous activities. Some are covered as standard such as elephant trekking and swimming with dolphins however, if you fancy something a little more adventurous such as hang gliding or black water rafting, then you’ll be able to add on an activity extension pack. Just call our travel team to find out more.

Direct Debit

Departure delay insurance

If your internal flight, train or boat is delayed for more than 12 hours, our long stay policy provides up to £200 compensation. We’ll also cover you if your trip gets cancelled and up to £2,500 should you need to arrange alternative transport. This section of cover won’t cover any accommodation costs, only travel costs.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 03450 744 838 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
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Long stay travel insurance FAQs

This will be assessed on a case by case basis. The medical screening experts will ask you several questions relating to your health condition and this will determine whether we are able to offer you cover. Please be reassured, everything you tell the team is treated with the utmost confidentiality and your details will not be shared with anyone outside of the organisation.

No. The UK's reciprocal health agreements (E111 / EHIC) with the EU will come to an end on the 1/1/2021.
It is therefore vital when travelling within Europe you purchase adequate travel insurance, if you wish to be covered should you require medical treatment.

Please contact the relevant claims details above.

If your flight is delayed for more than 12 hours, you’ll be compensated for each complete period of travel up to a maximum of £200. Compensation will only be paid if personal possessions are checked in, and we will need to see details of the missed flight and scheduled departure time, so please keep a record.

Yes, we’ll cover up to £500 for loss or theft of your personal money during your trip however please be aware an excess may apply. Also, please remember this will not cover for financial loss suffered as a result of credit/debit card being stolen.

Please contact the relevant claims details above.

We aren't able to cover for any countries that the Foreign and Commonwealth Office advise against. You can check whether the country that you’re travelling to is listed on the government website's page on Foreign Travel Advice.

Read more FAQs

Long stay travel insurance articles and guides

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Buying a holiday home has major rewards, if it is done correctly! Take a look at our detailed guide to help you navigate the process and find the right house in the destination of your dreams.

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Tips for Travelling Safely with Medical Conditions

If you are travelling with pre-existing medical conditions, read our tips to help you have a safe and comfortable journey.

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Financial Failure and Travel Insolvency Insurance - EU Directive

Discover our new financial failure and travel insolvency insurance scheme in order to meet the requirements of the July 2018 EC Package Travel Directive.

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