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What does long stay travel insurance cover?
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 is a limit of £150 per individual item but £300 for valuable items (please check the policy wording for definition of valuable items). 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.
Cover included for medical treatment at a suitable hospital and an Emergency Assistance Facilities service is provided to help you locate the nearest and most suitable facility. Up to £1 million is available to cover medical treatment and associated expenses, however, please note an excess may apply to this section of cover unless you have an EHIC (European Health Insurance Card), Medicare in Australia or other mutual agreement between countries that enables a reduction in medical costs. The policy doesn't cover routine non-emergency tests or treatment.
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.
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 £1,000 should you need to arrange alternative transport. This section of cover won’t cover any accommodation costs, only travel costs.
These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents
This policy is administered by Travel Insurance Facilities (TIF) and Union Reiseversicherung AG (URV). TIF have a specialist travel claims team, so it's them you'll speak to if you need to make a claim.
They’ll talk you through the details of your claim and advise you of the next steps in the process. If you’re claiming for any stolen property, make sure you have reported your loss to the Police and have obtained a written report and reference number - this will help with your claim.
We would also recommend you share your policy details with your next of kin, just in case they need to act on your behalf should you fall ill and you’re unable to make any contact with our claims team.
Get the ball rolling, call on:
The team are available from 9am-5pm Monday to Friday.
Make sure you include; your policy number, a phone number to reach you on, details of your claim and photos where possible and relevant.
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Don’t worry, providing you have contacted our Emergency Assistance Facilities service then your policy will be automatically extended to cover you for medical expenses until it’s agreed you’re fit to travel home. Our Emergency Assistance Facilities service will liaise with you, and your treating doctor, and once you’re fit to travel they will make the appropriate alternative arrangements.
The policy provides cover if you fall unwell and treatment isn’t available locally however first you should call our Emergency Assistance Facilities helpline for advice.
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.
In a serious emergency, first call the local ambulance service. You will then need to contact the Emergency Assistance Facilities service which is open 24 hours per day, seven days per week who will advise you what you need to do. We’d recommend you store the telephone number in your phone, just in case. It’s +44 (0) 203 829 6745.
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.
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