Sometimes known as Long Trip Travel Insurance, or Long Stay Travel Insurance - it's specifically designed for younger travellers who are away for longer than the standard 2 week break. Let's face it, when it comes to travelling ‘the more, the better’. With that in mind, we at Globelink have designed several policies to suit travelling for longer periods of time. Including Backpacker products specifically aimed at younger travellers on long term trips, so you can stay covered for as long as you travel - up to 18 months.
Often travellers on a long trip need insurance on a budget. Each policy is different so you need to check that the one you chose includes what you need. Globelink provide comprehensive cover and also ‘no-frills’ options with all the essentials like medical and repatriation cover. Remember that 'cheaper' doesn't always mean better. It depends on what you need. The price of long term travel insurance will depend on many factors, including:
Firstly Travel insurance and Health insurance aren’t the same things, so be aware of the key differences so you don’t fall victim to any surprises on your travels. Travel insurance covers unexpected, necessary emergency medical treatment, not regular, routine, or ongoing medical treatment. While, health insurance is primarily there to cover regular medical check-ups, rehabilitation and ongoing medical aftercare usually within your home country. Your Travel Insurance will protect you for unexpected medical emergencies while you are away - so it's essential to get covered.
You have probably spent a while planning your trip and it wont be cheap. Travel insurance is a necessary purchase to ensure you are protected against all sorts of things that could go wrong - even before you travel. You could easily end up spending much more if you have a problem while away. A missed flight may mean buying new tickets; an illness or accident will mean paying hospital bills may be costing thousands; and lost luggage wont be covered in full by the airline.
The biggest risk and expense when travelling is medical bills. No one expects to fall ill or have an accident, but being in a different environment can expose you to dramatic climate change, different water sources, very different foods and more. All these can cause a usually healthy person to become sick. Also if you are away for a long period of time, you increase the odds of something happening.
It's usually pretty straightforward to find Travel Insurance cover for 3-4 months. But longer trips can be more tricky. Globelink covers you for up to 15 months and you can extend your policy to 18 months if you contact us before your policy expires (subject to certain conditions). Long term travel insurance is perfect if you are thinking about:
Always check the policy you chose to ensure it will cover your reason for travel and if in doubt about a Globelink policy you can call or email us on firstname.lastname@example.org, or email@example.com.
Long Term Insurance will protect you before you travel if you purchase as soon as you have booked your trip. What happens to your dream trip if at the last moment you fall ill and are medically unfit to travel? Or if a close relative falls critically ill and you don’t want to leave them? Without insurance you could lose the money you've paid to book your trip. If you have decent cancellation cover on your policy, you may be able to claim back your pre-booked trip costs, so you can travel another time.
Each travel insurance policy is different and has its own specific features so check which suits you best before you buy. The following table tells you the main features of Globelink policies listed above.
|Regular Travel Insurance||Annual Multi-Trip Policy||Comprehensive Travel Insurance||Backpacker Travel Insurance|
|Age||under 84||under 79||under 89||
|Cancellation & Curtailment||
up to £2,000
|up to £6,000||up to £6,000||up to £2,000|
|Emergency Medical & Repatriation Expenses||up to £5,000,000||up to £10,000,000||up to £10,000,000||
up to £5,000,000
up to £1,000
up to £3,000
up to £3,000
|up to £1,000|
|Missed Deparure||Up to £500||Up to £1,500||Up to £1,500||up to £500|
|Mugging, hijack, catastrophe||Not insured||up to £1,000||Up to £1,000||Not Insured|
|Travel Disruption / End Supplier Failure||Not insured||up to £3,000||up to £3,000||
Globelink also offer a number of add-ons so you can customise your policy to better fit your trip. You can add extra options like:
When you’re looking for your long trip travel insurance, there are a few tips to help you chose the right policy.
Shop around. Don't just look at price. The cheapest is unlikely to be the best or provide what you need
Check what's included as standard. Absolute essentials include Medical Expenses and Repatriation Cover and Cancellation and Curtailment; The rest depends on your requirements. Always check beyond clever headlines. Or you may end up paying more by the time you've added the basics you need.
Check what activities are included. Globelink cover over 100 activities and it could cost you a fortune if you need to add these. Don't risk participating in activities that aren't covered. You're more at risk of injury and could end up paying thousands in medical costs.
Check Government guidelines for you and how this impacts your insurance - especially at the moment. This is the FCDO for UK residents. It will invalidate your insurance if you travel during a legal travel ban unless you have a permitted reason.
Check all your destinations are included. Don't travel to a location that you haven't included in your cover. Geographical Area Definitions vary for each insurer - so check you chose the right option for your Long Term Travel Insurance
Choose your long stay travel insurance wisely and travel for 15 months and extend for up to 18 months. Stay safe with Globelink Travel Insurance.
Globelink team will assist solving any of your questions over the phone 00 44 (0) 1353 699082.
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