Long-Stay Travel Insurance
Built for gap years, career breaks, study abroad and extended adventures – with cover for trips between 1 and 15 months.
What is long-stay Travel Insurance?
Our long-stay Travel Insurance policy has been specifically designed for trips lasting longer than a month, and less than 15 months, because 2 or 3 weeks sometimes just isn’t enough, right?
Take out this policy for backpacking, extended stays with friends or family, or if you’re escaping the British weather over the winter.
Plus, you can come back to the UK without ending your policy (limits vary by cover level and terms apply).
Available for UK residents aged 18-45.
IMPORTANT: Depending on your criteria when getting a quote, you may see several products available. The information on this page relates to our Cover4Insurance long-stay product only.
24/7 Emergency Assistance
Underwriten by a Leading insurer
UK residents aged between 18 and 45
Optional ‘Study Abroad’ Cover
What’s covered?
Up to 15 months
Flexible cover for longer trips than standard Travel Insurance / leisure holiday policies.
Return Home Benefit
Pop back to the UK without ending your policy (limits vary by cover level).
Study Abroad Option
Add enhanced protection for course fees and leisure excursions.
Medical Cover
Up to £10,000,000 emergency medical cover, including repatriation.
Up to 15 months
Flexible cover for longer trips than standard Travel Insurance / leisure holiday policies.
Return Home Benefit
Pop back to the UK without ending your policy (limits vary by cover level).
Study Abroad Option
Add enhanced protection for course fees and leisure excursions.
Medical Cover
Up to £10,000,000 emergency medical cover, including repatriation.
Three levels of cover
Bronze
Cancellation up to £1,500
Baggage up to £1,500
Medical up to £5,000,000
Personal Liability up to £1,000,000
Two return home visits (max 14 days per trip)
Optional sports cover including up to 10 days winter sports
Silver
Cancellation up to £3,000
Baggage up to £2,000
Medical up to £10,000,000
Personal Liability up to £2,000,000
Two return home visits (max 14 days per trip)
Optional sports cover including up to 10 days winter sports
Gold
Cancellation up to £5,000
Baggage up to £2,500
Medical up to £10,000,000
Personal Liability up to £2,000,000
Four return home visits (max 14 days per trip)
Optional sports cover including up to 10 days winter sports
Whos it it for?
Gap years and backpackers
Career breaks and sabbaticals
Extended multi-country trips
Three levels of cover
Bronze
Cancellation up to £1,500
Baggage up to £1,500
Medical up to £5,000,000
Personal Liability up to £1,000,000
Two return home visits (max 14 days per trip)
Optional sports cover including up to 10 days winter sports
Silver
Cancellation up to £3,000
Baggage up to £2,000
Medical up to £10,000,000
Personal Liability up to £2,000,000
Two return home visits (max 14 days per trip)
Optional sports cover including up to 10 days winter sports
Gold
Cancellation up to £5,000
Baggage up to £2,500
Medical up to £10,000,000
Personal Liability up to £2,000,000
Four return home visits (max 14 days per trip)
Optional sports cover including up to 10 days winter sports
Whos it it for?
Gap years and backpackers
Career breaks and sabbaticals
Extended multi-country trips
Optional ‘Study Abroad’ cover
- Course fees and course cancellation/interruption cover
- Extended return-home benefits and leisure excursion trips from your study location
- Ideal for University placements and year-abroad programmes
- This cover is an Optional Extra.
Long Stay Travel Insurance FAQs
What is long-stay Travel Insurance?
Unlike standard leisure travel insurance (which usually only covers short holidays of up to 30–60 days), a longstay travel insurance policy is built for longer trips up to 15 months. It ensures you’re protected for the entire duration of your travels — whether that’s backpacking, volunteering, working abroad (non-manual), or studying in another country. Terms apply – check policy wording for limits and exclusions.
How is it different to standard Travel Insurance?
Standard Travel Insurance usually only covers short trips. Long-stay Insurance is specifically designed for trips lasting up to 15 months, with added flexibility like return home visits and optional study abroad cover.
Can I return home during my trip?
Yes. If your trip is over 3 months, your policy includes return home cover. Depending on your policy, you can return home 2–4 times for up to 14 days each without your insurance ending.
Who can buy Cover4Insurance Long-Stay Travel Insurance?
People living in the UK aged 18-45.
Does it cover studying abroad?
Yes. With the Optional Study Abroad Enhancement, you’ll have additional cover for course fees, cancellation if your course is disrupted, and extra benefits like leisure excursions.
Are sports and activities covered?
Yes. Many activities are included automatically, and you can add optional cover for winter sports and other higher-risk activities.
This insurance is distributed by JustTravelCover.com, a trading name of Just Insurance Agents Limited, on behalf of Cover4insurance.
This insurance is underwritten by AWP P&C S.A., a French company authorised in France acting through its UK Branch. AWP P&C S.A. is authorised and regulated by the Autorité de Contrôle Prudentiel et de Résolution. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority.
Cover is for residents of the UK, the Channel Islands or the Isle of Man.This policy does not cover claims relating to pre-existing medical conditions unless declared to and accepted for cover by us.