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Long Stay Travel Insurance

Specialist travel insurance to cover long holidays and adventures.

  • Policies up to a year long
  • We can provide insurance for over 350 adventurous activities
  • 24/7 medical emergencies claim helpline

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What does long stay travel insurance cover?

Personal possessions

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.

Departure delays

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.

Long Stay Travel Insurance Claims

Claims for policies bought before 15 January

Call us on:

(+44) 0203 829 6761

The team is available from 8:30am to 6:30pm Monday to Friday.

Alternatively you can email the team: or find a claims form online here:

Make sure you include: your policy number, a phone number to reach you on, details of your claim and photos where possible and relevant.

Claims for policies bought after 16 January

24-hour number for medical emergencies

When you are in hospital, ring our 24-hour emergency assistance service on +44 (0)1473 351757.

Other claims

For other non-emergency claims such as lost baggage, cancellation or claiming for medical expenses when you are back in the UK, call +44 (0) 345 850 5193 Monday-Friday 8am-6pm and Saturday 9am-12pm.

Claims for Towergate travel insurance through Sykes Cottages or Holiday Cottages

If you bought your insurance in 2019

If you need to cancel your trip and want to submit a claim for your travel insurance policy policy bought in 2019, please download and complete our claims form and email it to

If you bought your insurance in 2020

If you need to cancel your trip and want to submit a claim for your travel insurance policy policy bought in 2020, you will need to download and complete this ERGO claims form, and send to them directly as stated.

Long Stay Travel Insurance Articles & Guides

Read more from Towergate:

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How to Keep Your Holiday Home Safe and Secure

As holiday homes are regularly left unoccupied, they can be more susceptible to flooding / escape of water, break-ins and damage from the elements. However there are ways you can reduce these risks and make sure every time you come back to your holiday home, it’s in the same state you left it in.

Long Stay Travel Insurance FAQs

What happens if I miss my flight home due to illness?

Please contact the relevant claims details above.

What happens if I need to travel home early due to illness?

Please contact the relevant claims details above.

Am I covered if I miss my internal flight?

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.

Will I be covered if my money gets stolen?

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.

Who do I need to contact in a medical emergency?

Please contact the relevant claims details above.

Are there any countries not covered under the Long Stay Travel insurance policy?

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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