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 18 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 friendly our customer service team 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, in the event of a claim you would have to provide written evidence that you intended to return to the UK i.e.
- Confirmation of a college or university placement
- Contract of employment commencement date
- Rental agreement
- Consultant appointments in UK
- Copy of log book confirming ownership of vehicle, with proof of current tax.
- Court summons or appearances
- Mortgage agreement
- Current home or contents insurance (in your name).
- Future travel plans (flight bookings) leaving and returning to the UK.
Please note that this policy is not intended to offer cover if you are emigrating.
What is ‘proof of intent to return home’ and why do I need it?
At Holidaysafe we understand that backpacker and longstay travellers very rarely have their flight home booked at the start of their trip. However the policies we offer cannot cover emigration, and so in the event of a claim our team would need to see some type of written evidence that you intend to return to the UK. Examples of the types of evidence our claims team will accept are listed in the FAQ above.
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 is defined as work that is physical, including, but not limited to construction, installation, assembly and building work. Including working with domestic or wild animals. Humanitarian, carer or work in any medical capacity. This does not include bar and restaurant staff, non-professional musicians / singers and fruit / vegetable pickers.
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 those up to 55 years old.
The policies we offer are suitable for people studying and/or working abroad – subject to the work not being manual labour which we define as which is defined as work that is physical, including, but not limited to construction, installation, assembly and building work. Including working with domestic or wild animals. Humanitarian, carer or work in any medical capacity. This does not include bar and restaurant staff, non-professional musicians / singers and fruit / vegetable pickers.
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 – 18 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 if you require cover for something more adventurous, we can signpost you to our sister company with an exclusive discount. Simply choose the relevant activity during the quote process.
