Long Stay Travel Insurance for the UK: What to Know

Planning an extended trip to the United Kingdom? It's safe to say we're a little jealous!

There are so many things to do to prepare for a successful, enjoyable, and safe time abroad. There are visas to consider, accommodations and travel plans, and on top of all of it there is travel insurance to protect you and your experience.

In this guide, we're going to take a look at long stay travel insurance for the UK: what you need, what is covered, and what to look for in a policy.

Having the right policy can make or break your stay, especially in emergency situations. We're here to give you the right information to help you make the most educated choice when it comes to your safety and well-being.

Do I need long stay travel insurance for the UK?

Travel insurance is always a good idea for travelers going overseas. Expenses can be high and processes can be confusing - travel insurance helps.

Whether or not you need it as a requirement is another story.

In some cases, you may be required to take out long stay travel insurance for specific types of visas. It could also be a requirement if you're traveling to the UK with a tourist group, program, etc.

The only way to know whether it's mandatory or not in your situation is to check:

• Your visa/residence requirements.
• Your program/group/etc. requirements (if applicable).

Even if it isn't mandatory, it's still a good idea.

What does long stay travel insurance for the UK cover?

What you're covered for depends on which policy you choose. Make sure that the policy you pick meets any requirements (like those listed above, if applicable).

Long stay travel insurance covers emergency medical expenses, but usually covers additional guarantees too.

Different insurance providers have different levels of coverage when it comes to emergency medical. This is one reason it's important to understand all of the policy details before you make your final decision.

A good long-term travel insurance policy should give you broad coverage for your extended stay in the United Kingdom. Here are some of the different levels of coverage you can expect to see. But again, keep in mind that what is covered varies, depending on the policy.

Emergency medical expenses

• Costs for emergency medical treatment (such as a broken bone or severe illness).
• Emergency hospitalization and surgery.
• Emergency medical evacuation and repatriation.
• Repatriation of mortal remains.
• Some policies cover COVID-19 and other pandemics/epidemics, either including or excluding associated quarantine costs.

Different providers vary on the coverage that they offer, but emergency medical is truly at the core of all travel insurance.

24/7 travel assistance

When you purchase a travel insurance policy, you typically have 24/7 support and travel assistance from travel experts.

This can be irreplaceable if you need information quickly while you're overseas.

Lost/stolen passports

If you lose your passport or other essential documents, or they're stolen, your long stay travel insurance can provide much-needed assistance while you're in the UK.

Legal fees and assistance

• Legal assistance abroad.
• Legal fees abroad.
• Advance of bail.

Legal coverage is essential when traveling to a country, especially the United Kingdom, where you may not be as familiar with the legal system.

Sports (search and rescue)

If you're planning to hike or do another outdoor activity during your time abroad, search and rescue coverage is a must.

If you get lost, injured, or stuck during an activity, this guarantee is invaluable. Make sure you check whether or not the policy you're looking at includes search and rescue.

The best long stay travel insurance for the UK

The best one for you might not be the best one for someone else, as it all depends on your personal situation.

The best travel insurance policy meets your needs as well as any requirements (such as for a visa, for instance).

For extended trips, Mutaide through Insurte is an excellent choice for your coverage.

It provides comprehensive coverage, including emergency medical costs, search and rescue, legal protection, and more to varying degrees.

Before you hit the purchase button, make sure to read all of the terms and conditions, paying special attention to exclusions and maximums.

How much does long stay travel insurance for the UK cost?

It varies and depends on several factors, like the duration of your trip, what kind of coverage you'd like, and how many people need to be covered.

Travel insurance policies usually start at a few dollars a day, though some long stay travel insurance policies are offered at a flat rate. This can be more cost-effective for long term trips, so look at both when you're deciding which makes the most sense for you.

Is long stay travel insurance for the UK worth it?

100%.

Travel insurance is there to protect you from unexpected costs and give you peace of mind so you can fully enjoy your adventure.

FAQs: Long stay travel insurance for the UK