Travel insurance for multi-trip, including one trip of 60 days

andrewilley

My daughter is taking some time off after University to travel the world with several trips over the next six months. She's doing several 'normal' trips that would be covered by a regular Annual Insurance policy - two weeks interrailing around Europe, two weeks family holiday with us in Florida, an extended weekend in Paris, etc. However she is also planning to go with a friend around South-East Asia - Vietnam, Thailand, Singapore, Hong Kong, etc - but that journey will last just under 60 days so isn't covered by a lot of policies on the search engines which max out at 31 days per trip.

Without playing silly money for a year-round backpacker cover, what options does she have that won't break the bank (in the £100-£150 region perhaps?).

Andre

TELLIT01

I can't help with the specifics, but check very carefully for any limitations with low cost insurance for extended holiday.  Better to may more if it genuinely provides better cover.  You'll get better advice speaking to a broker.

Voyager2002

andrewilley said:

My daughter is taking some time off after University to travel the world with several trips over the next six months. She's doing several 'normal' trips that would be covered by a regular Annual Insurance policy - two weeks interrailing around Europe, two weeks family holiday with us in Florida, an extended weekend in Paris, etc. However she is also planning to go with a friend around South-East Asia - Vietnam, Thailand, Singapore, Hong Kong, etc - but that journey will last just under 60 days so isn't covered by a lot of policies on the search engines which max out at 31 days per trip.

Without playing silly money for a year-round backpacker cover, what options does she have that won't break the bank (in the £100-£150 region perhaps?).

Andre

She should get separate single-trip policies for the different trips. Insurance within Europe would be very cheap (make sure she orders her GHIC/EHIC card ASAP). Florida/USA is stupidly expensive, so she should only pay at that high rate for the two weeks she will be there.

It is actually easy to find single-trip insurance for 60 days if you look for it.

JGB1955

I doubt she will get anything less than £200 but she needs to be looking at gap year insurance. 

andrewilley

Thanks for the advice, sounds like single-trip policies might be best for her rather than paying to potentially cover the most expensive bit for all year. Her week in Budapest for example will cost a tenner or so.

She actually comes back to the UK for two days after Budapest before the rest of her European interrail fortnight, and although she's staying over in London rather than coming home I suspect the second leg will have to count as a separate trip for insurance purposes as she will have set foot back on British soil.

Andre

Voyager2002

andrewilley said:

Thanks for the advice, sounds like single-trip policies might be best for her rather than paying to potentially cover the most expensive bit for all year. Her week in Budapest for example will cost a tenner or so.

She actually comes back to the UK for two days after Budapest before the rest of her European interrail fortnight, and although she's staying over in London rather than coming home I suspect the second leg will have to count as a separate trip for insurance purposes as she will have set foot back on British soil.

Andre

For the European trips, some policies consider a return to her address as coming back rather than simply to the UK. Such a policy would cover her throughout. In any case, the medical cover from a GHIC/EHIC is pretty good in northern Europe and so insurance is less critical than for other regions. Do check carefully whether the insurance covers private medical care: often it does not. For Spain or Greece I would not want to depend on the local public health service, whereas in Germany and Poland I think that would be fine.

Of course another option would be get an annual policy for most of her travels, and a separate single-trip one for the long adventure in the Far East.