Can I return home for a visit during my time away without breaking my cover?
Yes, our Backpacker & Longstay policies automatically include two return trips home, just in case you get homesick or want to spend Christmas with your family. As long as the return trips are no longer than 21 days each, your cover will not be affected.
Am I covered to work abroad?
Cover for working abroad, for example bar or restaurant work, is included automatically. However, we do not provide cover for manual labour, which we define as work involving the lifting or carrying of heavy items in excess of 25Kg, work at a higher level than two storeys or any form of work underground.
Our Backpacker policies cover anyone up to 40 years with a range of cover from the basic but essential levels of insurance to a more enhanced level of cover. The Longstay policy offers a more complete cover with higher sum insured and a greater age range covering the up to 75 years old.
Our policies are suitable for people studying and/or working abroad – subject to the work not being manual labour which is above two stories high or work below ground.
Can I extend my cover whilst abroad?
If you decide to extend your trip, there is the possibility to extend your cover whilst abroad; however, your entire trip can be no longer than 24 months in duration. For example, if you originally planned to travel for nine months, we could potentially extend your cover for a maximum of nine months more, if you decided to stay. Simply contact our customer service centre to arrange the extension of cover.
I haven’t booked a return flight yet, can you still insure me?
Yes we can insure you, however because we do not provide cover for anyone who is emigrating, we would need evidence that you intend to return home, for example a place on a university course.
What is the difference between Longstay and Multi Trip insurance?
Longstay and Backpacker travel insurance is intended for people taking longer than average trips abroad, for 1 – 24 months. Multi Trip insurance is best for people who are planning to take multiple trips during a 12 month period, but each trip will be limited to 31, 45 or 60 days in total duration.
How do I make sure I’m covered to participate in activities during my trip?
We provide cover for 100 common sports and activities as standard, however there is also the option to extend your cover to include many more. Simply choose the relevant activity pack at the options stage of the quote process.