Up to £15,000 cancellation cover per personOn Signature policies
Cover for pre-existing medical conditions and all ages
The UK’s favourite travel insurance based on more 5-star Trustpilot reviews than any other provider
Excellent 4.7 | 542,541 reviews
We've got more 5-Star reviews on Trustpilot than any other UK travel insurance provider
“An excellent product with a comprehensive range of features and benefits" - Defaqto
Awarded Best Company for Travel Insurance at the British Travel Awards 2016-2025
Long stay travel insurance at a glance
Staysure’s long stay travel insurance protects extended trips abroad, with up to 18 months (550 days) available. Policies include up to unlimited emergency medical expenses and £15,000 cancellation cover on Signature levels. We offer specialist cover for pre-existing medical conditions and long-stay options for travellers up to the age of 75. Getting a quote is simple online or over the phone.
Staysure has specialised in travel insurance for pre-existing medical conditions since 2004. 97% of customers are able to get medical cover with us. We hold a Defaqto 5-star rating for our Comprehensive and Signature policies, and have more 5-star Trustpilot reviews than any other UK travel insurance provider.
If the usual 2 weeks of fun in the sun just won’t do, you’re in the right place.
Our long stay travel insurance covers trips lasting between 3 and 18 months, depending on your age and plans. That means you can stay longer, see more, and really settle in.
And with cover for over 1,300 pre-existing medical conditions,* you can get away knowing that if something changes, you’re supported – whether that’s needing treatment where you are or getting you home safely.
How long can I get long stay travel insurance for?
With long stay holiday insurance, you can be away for months or even more than a year at a time. Exactly how long depends on your age and where you’re heading. Regions 1 and 2 cover Europe, region 4 covers worldwide, including the USA, Canada, the Caribbean, Bermuda, Mexico, China, Hong Kong, Singapore and Thailand, while region 3 covers the rest of the world. For more details, please see our policy documents.
Age
Region 1
Region 2
Region 3
Region 4
0-65
550 days
550 days
550 days
550 days
66-70
366 days
366 days
276 days
184 days
71-75
366 days
366 days
184 days
123 days
76+
Single-trip policy – 104 days
Why choose Staysure?
Up to unlimited medical emergency expenses
Generous cancellation cover up to £15,000
We’ve given over 12m people peace of mind
Most pre-existing medical conditions covered
Easy to access and amend your policy online
What does long stay travel insurance cover?
When your trip ends up stretching across the calendar, your insurance needs to go the distance. Here’s what we can usually help with:
What’s covered?
emergency medical treatment abroad – including hospital care, ambulance transport and overnight stays if you fall seriously ill or are injured while away.
getting you home safely – repatriation cover if you’re too unwell to travel as planned, including specialist medical transport if needed.
cruise cancellations due to illness or injury – including if you're too unwell to travel, or experience a bereavement.
cutting your trip short – cover if something serious happens mid-holiday and you need to return early.
lost, stolen or damaged belongings – including your baggage, passport and personal money.
pre-existing conditions – if you’ve told us about them and we’ve accepted them, they can be included in your policy.
Example: You’re a few months into your first backpacking trip across Asia, when you’re taken seriously ill. We can help with the costs of medical care, arranging an air ambulance back to the UK if needed, and cutting your trip short.
What isn’t covered?
cancelling because you’ve changed your mind – cover only applies to unexpected and insured reasons.
missed flights – unless it’s due to a strike** severe weather, or mechanical breakdowns.
undeclared medical conditions – always let us know about any health issues when you get a quote.
unattended items – valuables left alone may not be covered.
activities not listed on your policy – like extreme sports, unless you’ve added them.
travelling against advice of the Foreign, Commonwealth and Development Office (FCDO) – policies won’t cover destinations where the UK government advises against all travel.
incidents involving alcohol or drugs – claims related to excessive alcohol or controlled substances won’t be accepted.
going against medical advice – for example, flying too soon after an operation or illness.
travelling for the purpose of receiving medical treatment – including consultations, tests, or planned procedures abroad.
Example: You’ve landed a chalet-hand job in the Alps, lugging gas bottles, clearing snow and fixing gutters between ski runs. Because the role involves heavy lifting and tools, it counts as manual work, so Staysure can’t insure the trip. If your winter wages were coming from bar shifts, acoustic sets in the lounge, or fruit picking that stays on the ground and away from machinery, we may be able to help. Call us first so we can check the details.
Long-term travel insurance for medical conditions
The longer you’re away, the more important the right cover becomes, especially if you’re travelling with a pre-existing medical condition in tow.
As a medical travel insurance specialist, we cover over 1,300 medical conditions*, and all ages. That means if your condition causes problems while you’re away, we can help you get treatment where you are or get you home safely if plans need to change. Most importantly, we’ll make sure you’re not left to face the costs of healthcare abroad alone.
Medical conditions we regularly cover
We regularly help long stay travellers get cover for health conditions, like:
For people who have trouble finding travel insurance for pre-existing medical conditions, the British Insurance Brokers' Association (BIBA) has a directory of specialist insurers, like us!
To find out more, or if on the odd occasion we are unable to provide the cover you need, contact BIBA on 0370 950 1790. You can also search BIBA's medical directory online.
Free English-speaking medical help abroad
Travel Doctor, our new online service, connects you with an English-speaking doctor if you need medical support while you are abroad.* It lets you book a video-based consultation to discuss your health needs with a doctor right from your sun lounger.
You can choose a slot that works for you, go through your symptoms, get your prescription and even use Travel Doctor to find your nearest pharmacy, so you can get your meds and get on with enjoying your holiday.
Pick a travel insurance policy and tailor it to you
Shout bon voyage to a one-size-fits-all policy and give a warm welcome to holiday insurance that's all about you. Join over 12 million people who've trusted us with their travel insurance since 2005.
“If you’re planning an epic cruise, just select long stay cover when you get a quote, and let us know you’ll be cruising. Our standard long stay polices covers cancellation and medical emergencies on board, but for cruise-specific situations like cabin confinement, you’ll need our Cruise Plus add-on.
”
How to buy long-term travel insurance
Buying long stay holiday insurance has never been easier. Simply give us a call or get a quick online quote to start the process.
1. Tell us where you want to go
To get started on your quote, we’ll go over your travel plans. We need to know where you’re heading and how long your trip will be.
2. Share your medical history with us
Next on the list, we’ll go over some health questions with you so we can make sure you get the best medical cover while travelling. Now is the time to tell us about any health concerns that needed medication, medical advice, or treatment during the last two years.
3. Get a tailored quote
Once we have everything we need, we’ll give you your personalised quote, either online or by reading it out loud over the phone.
You’ll be able to choose your level of cover and add any optional extras that suit your trip, like Cruise Plus if you’d like more cover while you’re at sea.
If you’d like more time to think it over, we can also send your quote by email so you can go through it in your own time.
Many experts agree that buying travel insurance as soon as you’ve booked your holiday is the best way to go. By doing this, you’ll be covered during the run-up to your holiday and while you’re abroad.
Despite the benefits of buying early, lots of people leave it to the last minute. Our sales data from July 2025 to January 2026 shows that the majority of travellers purchased their policy within 30 days of leaving, with a significant proportion doing so within just a few days of departure.
Travel insurance can’t be backdated, so it’s best to get it locked in before you are on holiday. If you still have to get your policy in place for future travels, it’s not too late. Simply get in touch with our friendly team to get a quote.
How much is long stay travel insurance?
Long stay travel insurance, like all of our policies, is priced around you, your needs, and your trip. Trip length limits for this type of policy run all the way up to 18 months, meaning they can be a bit more pricey. We’ll factor in:
Time away – every day you’re abroad is a day your long stay travel insurance policy is working for you. 3 months in Portugal will usually cost less than 12 months touring South-East Asia simply because it’s a shorter stretch to protect.
Where you’re going – healthcare in France or Spain is generally cheaper than in the USA or Australia. If treatment costs more in the places on your itinerary, the insurance will cost a little more, too.
Your health and age – we welcome all ages and cover over 1,300 medical conditions**, but if you live with diabetes, heart problems or another ongoing condition, there’s a greater chance you might need treatment during a long trip. Your policy has to be able to pay those medical bills on your behalf, so the price can be a little higher. Telling us everything up front lets us set that safety net at the right level before you go.
The best way to find out what you’ll pay is to get a quote online or over the phone.
Want to shrink the costs of your travel insurance while still getting the most out of your policy? Keep these tips and tricks in mind before you buy:
get covered early – if you buy your cover as soon as you book your trip, you will have all the protection you need should you need to cancel because of a policy-approved reason.
go for a higher excess – one of the best ways to lower your premium is to increase your excess. Just be sure to settle on an excess you are comfortable paying should you need to.
consider another policy – if you are going to travel more than twice per year, an annual multi-trip policy might be cheaper than multiple single-trip policies.
leave the add-ons – only get add-ons, like gadget cover, that you need.
get group cover – our group travel insurance lets you save on costs by covering everyone under one policy.
find a discount – make sure you drop by our discounts page before buying so you can save on your policy.
Beth Craig
Travel insurance expert
Should I get single-trip or long stay holiday insurance?
What our expert says…
“It’s always worth checking whether a single-trip policy will cover the full length of your stay, as it can be a cheaper option. Ours have a maximum of 104 days – that's just over 3 months!
”
The big-ticket costs travel insurance can help with
From October 2024 to October 2025, emergency medical expenses were our most common claim, and for good reason. Hospitalisation for a stomach bug in the USA with medical repatriation back to the UK could set you back £150,000+, according to the UK government.
In reality, the biggest claims are often more costly. While the average emergency medical claim on our worldwide policies was about £3000, the highest we paid was closer to an eye-watering £350,000.^
Over the same period, our second most common claim on worldwide policies was cancellation. If you need to pull the plug on your holiday, we can help you recover the prepaid costs – with the average cancellation claim on our worldwide policies coming in at around £2000, and the highest reaching more than £50,000.
Excellent 4.7 | 542,541 reviews
The UK’s favourite travel insurance provider
with more 5-star Trustpilot reviews than any other provider.†
Fairly straight forward and easy to…
Fairly straight forward and easy to book and understand.
Customer,
Fair price .
It was quick and easy to find the cover I needed at very fair price.
Susan Clarke,
Good
Really helpful and easy to use
customer,
Voted Best Travel Insurance 9 years running
The British Travel Awards have recognised us as the Best Company for Travel Insurance nine years in a row (2016-2025). This achievement is based on the votes of real customers, showing the trust travellers place in us.
This award is only given to travel companies that provide stellar service to their customers. It shows that we prioritise customer service, round-the-clock support when you need it most, and a reliable and speedy claims process.
Other long stay travellers often ask...
The longest trip you can be insured for depends on your age and where you’re travelling. If you’re 65 or under, you can travel for up to 18 months (550 days) worldwide. From 65 to 75, maximum trip lengths vary according to your age and destination. Take a look at the table above for more information.
If you’re over 75, long stay cover isn’t available, but you can still take out single-trip cover for up to 104 days (just over 3 months).
At Staysure, we believe that as your age gets bigger, so should your dreams. That’s why we offer travel insurance for all ages.
The type of policy you can take out does change with age. If you’re over 75 and looking to go on a long holiday, a single-trip policy is likely the best option for you. Those 75 and under can opt for a long stay policy.
Unfortunately, no. Once you return to the UK, your long stay travel insurance will come to an end, even if the policy still has time remaining. This means you won’t be able to use the same policy to head abroad again.
If you’re planning on making several trips home during a longer stay overseas, an annual multi-trip travel insurance policy might work better for you. These policies cover multiple trips within a 12-month period.
To make sure you’ve got the right cover for your plans and to fully understand what’s included, it’s a good idea to check our policy documents or get in touch with our friendly team. We’re here to help!
You can’t extend a long stay travel insurance policy.
We do offer a 100-day trip extension add-on on Comprehensive and Signature annual multi-trip policies, but this must be added before you travel, and usually won’t match the length of a long stay policy.
If an unexpected event strands you overseas, like border closures, air-space shutdowns, or a sudden escalation of conflict, we’ll do what we can to keep your cover running until you can safely return. During the recent Middle East conflict, for example, we automatically extended policies free of charge for customers who were already in the region when the situation changed. The same spirit applies whenever events outside your control delay your journey home: call our 24/7 assistance team as soon as you know you can’t travel, and we’ll explain what help is available under your policy and, where possible, keep that protection in place until you’re back on UK soil.
Long stay travel insurance can cover backpacking, as long as your trip fits within our policy limits.
Whether you’re travelling across a country or continent, we can cover over 1,300 pre-existing medical conditions* and all ages, with up to unlimited medical expenses and up to £15,000 for trip cancellations on our Signature policies.
Stay in control of your account with My Staysure
You can make changes to your policy, online and in your own time with My Staysure.
It's quick and easy to make changes to your policy online. If you need to make simple changes such as updating traveller details or renewing a policy that's details are staying the same, just visit your My Staysure account.
Up to £15,000 cancellation cover per personOn Signature policies
