Backpacking Or Long Stay Travel Insurance UK
If you are going for a long period of time, for an indefinite period or time or are planning on country hopping or travelling around the world, then a regular UK travel insurance policy will not give you adequate protection. However, there are many specialised travel insurance policies easily available to cope with your specific needs.
The traveller lucky enough to be staying away for a lengthier period, usually over 90 days, will need specialised UK travel insurance, as regular single trip insurance will not be adequate. The type of insurance will be suitable for someone who might be studying abroad or simply going on an extended holiday.
For people intending to go backpacking it is essential to purchase a specialist backpacking policy. The combination of the long stay and the multitude of countries involved in the travel mean that regular travel insurance simply does not provide adequate cover for the would-be globetrotter. The type of insurance that you will require is usually referred to simply as 'backpacking insurance' but is sometimes also called things like 'worldwide travel insurance'.
When you apply for your backpacking travel insurance UK, you will usually be asked exactly where you intend to travel, and can get specialised insurance for worldwide travel or get cover for specific areas such as Europe, Australia and New Zealand and the USA. Premiums will be allocated according to the perceived risk of each area. Remember the exact area for which you have arranged cover as things do not always go to plan; you may have planned to remain in Australia for the length of your stay but then decided to journey to Thailand for a while as well. If something like this happens and your travelling itinerary is upset then be sure to contact your UK travel insurance provider before you go and arrange adequate cover if necessary.