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Why choose PayingTooMuch?
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Compare long stay travel insurance to find a cheap deal whatever the length of your stay - just click the "compare prices" button above to compare prices.
For extended travel such as backpacking or longer business trips, use our "Overall Average Cover Indicator" to compare which cover is best suited to you.
Remember that if your travel insurance is to last longer than 8 - 10 weeks it may be worth considering an annual travel insurance policy - just use our price comparison tool to check which option is cheaper.
New policies will cover you for emergency medical treatment for Covid-19 while you are away, as long as, before the trip begins, the Foreign Office (FCDO) has not advised against all but essential travel to your intended destination.
If the Foreign Office (FCDO) has advised against all but essential travel to your destination, you will only be covered if you select a product with the FCDO advice extension (Europe only).
Currently the Foreign Office (FCDO) advises against travel to certain destinations. Please see gov.uk/foreign-travel-advice for full details.
Before you buy a policy, it’s important to understand what you’re covered for and what you’re not.
Cancellation cover is designed to pay back any pre-paid expenses that would be lost if you’re forced to cancel your holiday before you travel.
It’s important to make sure that you choose a policy with enough cancellation cover for the costs you would need to claim for.
Travel insurance is designed to pay the costs for a medical emergency while you’re on holiday. You may have to pay an excess contribution to the total costs or you can choose a ‘nil excess’ option if you wish.
Some policies will cover emergency dental treatment if it’s for the immediate relief of pain.
All policies will pay to bring you back to the UK when this is recommended.
Treatment in a private hospital or clinic abroad is not usually covered if a suitable public or state facility is available.
PayingTooMuch meets the eligibility requirements for inclusion on the Money Helper travel insurance directory, which the FCA has confirmed meets its criteria for a 'medical cover firm directory'. The Money Helper customer contact centre freephone number is 0800 138 7777.
If you are planning to visit multiple countries during your trip, then you need to tell us every country you’re going to, when you take out your quote for single trip insurance. This is because the cost of claims can vary by country, for example in the USA where medical treatment is very high.
So even if you have a layover in another country, you should tell us when getting your quote, to make sure you’re protected if you need to claim.
An annual travel insurance policy lets you go on multiple trips in a year. But these trips are often limited by a number of days, such as 35 days per trip. If you are going on a longer trip, you might be better off with a single trip policy that covers you up to 365 days in a year.
Enter your dates when you get a quote and you’ll be shown what your cover options are.
The length of your trip policy can vary between insurers, but you can get cover for up to 365 days depending on things like your age, where you’re going and any medical conditions you have.
If you’re enjoying your time away, you might want to stay a little longer. But you’ll have to contact the customer services team to see if they can extend your travel policy if you have a single trip policy.
It’s important to do this before you rearrange flights or add extra days to your hotel stay, as you want to make sure you’ll be covered if you do so.