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Long stay travel insurance
NotVeryTechie
Posts: 117 Forumite
Hi there, I am going to South Africa to visit family for three months and need to get travel insurance. I am mostly concerned with medical cover and personal liability as I am staying with family, so hotels aren't an issue. Disclosure, I am over 55 (but under 65).
The insurance quotes I have been getting for 90 days are pretty high! The best I have found is Avanti. I have been checking reviews of this company and they are all good, but none mention claims experiences. So I can't tell whether they actually pay out.
Any thoughts on this?
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Would an annual policy be cheaper?I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
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I looked at annual policies and they don't cover this many days per trip. They are still only >30 days per individual trip.0
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You're basically looking for "backpackers" insurance then which focuses mainly on medical expenses (third party liability is there too but claims against that on travel insurance are very few and far between). They typically accept up to 12 or 18 months for a single trip.1
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Does your house insurance cover 3 months away from home ?That's a consideration as well.0
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Nationwide paid bank account is the best option, you can extend their travel insurance beyond the 90 days. Much cheaper than backpacker insurance when I looked into it for a long trip we have coming up0
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You can do a single trip with Saga (if your old enough) for 120 days. https://www.saga.co.uk/insurance/campaigns/travel-insurance/5-star-cover/?scid=ppc-b%7cser%7ctravel%7cna%7cgoogle%7cna%7cbrand_core%7cbrand_travel_insurance_HK%7cexact%7csaga_travel_insurance&gclid=CjwKCAjwjOunBhB4EiwA94JWsEAoZU-Bi2iX227FbWcDgYlFfOqNmwKwi77b8amZC1n8unj6KBKJChoCh54QAvD_BwE&gclsrc=aw.dsMags - who loves shopping0
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