USA travel insurance for six months?

FH_Brit

steveo3002 wrote: »

cant you take out another policy online when 90 days is up?

You cannot do as this poster suggests, actually the exeptions are that you cannot be outside the UK for more than 90/120 days (usually) if you were to do as steveo suggests and you were to have acciden or get ill in the next 90 days the insurers would normally require you to prove dates of travel (usually your boarding card) and that would show you were out of UK for over the period allowed and that would make any claim void.

FH_Brit

tehfc suggests an anual policy - these are still usually limited to 90/120 day on a single trip.

See my other threads for insurance
http://forums.moneysavingexpert.com/showthread.html?p=20230163#post20230163

FH_Brit

Happy-saver - I suggest that you ask your insurers I deal with people very regulaly that buy policies to extend their stay, buying a policy is one thing - claiming on it is another as length of stay restrictions are on time away from UK then popping to Mexico/Canada may releive the visa restrictions but I think you'll find it does not satisfy your insurers, as you seem to be bending the rules as you are actually living away from the UK and therefore you are no longer a tourist. What you actually need is what's known as an ex-pats policy. I have had people that have done 6 months here and claimed and ended up with lein's on their property or law suits because they "thought" the would get away with it by buying separate policies.

You should ask the insurance companies and not just look on line as usually you can insure fore anything the question is, can you afford the premiums.

Norwich Union have a policy they used to call Tapestry (I cant remember what it is now called) but it was no questions & no restrictions but it costs a bunch.

dacouch

FH Brit, the NU Tapestry Policy is a Home Insurance Policy designed for afluent homes which has the option to add Travel Insurance on. It has been replaced by their "Distinct" Policy and it does have restrictions eg maximum trip of 90 days and questions (The Tapestry Policy also had restrictions etc)

brodev

https://www.thebmc.co.uk do an annual insurance which covers single trips up to 93 days but you can pay extra and eliminate the 93 day restriction. Total cost for unrestricted annual worldwide insurance is £216.24

Happy_saver_4

FH_Brit wrote: »

Happy-saver - I suggest that you ask your insurers I deal with people very regulaly that buy policies to extend their stay, buying a policy is one thing - claiming on it is another as length of stay restrictions are on time away from UK then popping to Mexico/Canada may releive the visa restrictions but I think you'll find it does not satisfy your insurers, as you seem to be bending the rules as you are actually living away from the UK and therefore you are no longer a tourist. What you actually need is what's known as an ex-pats policy. I have had people that have done 6 months here and claimed and ended up with lein's on their property or law suits because they "thought" the would get away with it by buying separate policies.

You should ask the insurance companies and not just look on line as usually you can insure fore anything the question is, can you afford the premiums.

Norwich Union have a policy they used to call Tapestry (I cant remember what it is now called) but it was no questions & no restrictions but it costs a bunch.

Not bending the rules.

Endsleigh offers Worldwide cover including the USA for permanent travel away from the UK. It used to be for up to 2 years, but you need to check their current offerings This policy was often used by round the world cruising sailors; as we were.

I've given the info the OP asked for. Quickly scanning the posts I believe my answer is the only one currently fulfilling his criteria.

Bye bye :beer:

PS. If you retain a residential address in the uk and continue to pay UK taxes via your accountant you are NOT regarded as non-resident UK and comply with the policy T&C's Also US immigration officers look more favourably on your multiple re-entry etc. However the OP wants to stay out less than six months so all of these points are superfluous to the original question and OFF TOPIC

Alastair_Reid

PartyRichter wrote: »

Hello all,

At the end of nex month (April) I'm off travelling around the USA for just under six months. I just want basic insurance - I'm not doing any extreme sports or anything.

The only trouble is, travel insurers only seem to cover single trips for up to 90 days. Does anyone know any insurers that cover for longer? What other options might there be?

Any suggestions would be very welcome.

Regards,

PartyRichter

There are lots of insurers out there who cover for more than 90 days and most good ones seem to have policies that will cover up to a year, though annual policies do have maximums periods like 31 or 62 days. I insured my last trip with World First Travel Insurance who had lots of different options. I took out their annual travel policy even though I am only going away once this year but it covers all my trips. I am sure they also had what they called longstay policies so maybe worth giving them a try?

Hope it helps.

Alastair

PartyRichter

Hello,

Thanks to all for your suggestions. I ended up calling Direct Line as they offer an extended policy. It was a bit pricey at £176, but I'd rather do that than try getting an annual multi-trip then having to faff around leaving and entering the country again.

Thanks and regards,

PartyRichter