Single, Long Stay and Multi-Trip

Which travel insurance do I need:

There are 3 main types based on the duration of your stay.

Single Trip

Single trip cover covers the specified trip duration. Probably cheapest if you're only going abroad just once a year
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Multi Trip/Annual

If you're planning on taking several trips in a year your insurance could cost you less and save you time and hassle. A maximum per trip duration is normal of 50, 60 and up to 100 days.
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Long Stay

For when you're heading off into the great blue yonder for extended periods of 120 days+ (3, 6, 9, 12 or 18 months). Ideal for student holidays, backpackers, gap years, career break adventures, or long stopovers with relatives. The terminology varies - Discovery, Worldwide, Gap Year, Student Backpacker . . . you get the drift.
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Travel Insurance Cover

Policy details vary by provider, this is a summary of typical risks covered on a single-trip, long stay or multi-trip policy.

• Cancellation, curtailment and trip interruption:-
  • Death, illness, disease, injury or pregnancy complications of you, a co-traveller, destination host, close relative or business associate
  • Compulsory quarantine, jury service, witness duties
  • Natural disaster and prohibited travel to, or recommended evacuation due to: earthquake, fire, tsunami, landslide, flood, hurricane or epidemic / pandemic
  • Police / authorities requested you to stay at / return to your home address due to serious damage
  • Unexpected redundancy
• Emergency medical and repatriation Following an "incident" causing bodily injury, illness, disease, quarantine, cover, for a time period (£x) expenses for:
  • Emergency medical, surgical, hospital, ambulance and nursing fees and charges abroad
  • Emergency dental treatment
  • Repatriation on medical grounds or death; or funeral abroad
  • Transport and/or accommodation expenses if delayed on medical grounds (and for a necessary assistant)
• Baggage
  • Accidental loss or theft of, or damage to: baggage, articles and valuables
  • Emergency replacement: clothing, medication and toiletries (temporary or permanent)
• Personal money - accidental loss of, theft of, or damage to
• Computer equipment owned by you - accidental loss of, theft of or damage to
• Personal liability - compensation, legal costs and expenses for
  • liability for bodily injury, death, illness or disease
  • Loss of or damage to property
• Delayed departure - if travel is delayed by strike, industrial action, adverse weather or breakdown. An amount per period up to a maximum.
• Missed departure (home or destination) - Due to public transport failure; accident or breakdown of your vehicle or a vehicle ahead, strike, industrial action or adverse weather. Reasonable additional accommodation & travel expenses covered.
• Missed connection departure or return - costs because of public transport problems, or private vehicle breakdown or accident
• Hijack/Kidnap - of plain or ship there is a payment for the delay
• Legal expenses - legal costs (to a set value) to pursue a civil action for compensation against someone who caused you bodily injury, illness or death
• Extended kennel / cattery fees - if delayed for medical reasons
• Winter sports optional additional cover

The Best Fit

There's a policy to suit almost everyone's travel plans. For more detail see the pages below:

• Families for holidays
• People aged over 65 years
• People aged over 80 years
• Ski and winter sports enthusiasts
• Over 65s
• Group travel
• Business travel
• People with pre-existing health problems

Travel Destinations

Insurers will generally group countries according to region and the region you select will affect the cost of your cover.

Citybond Suretravel for example define the following Geographical area(s):

• United Kingdom: including Great Britain, Northern Ireland and the Isle of Man.
• Europe: Albania, Andorra, Armenia, Austria, Azerbaijan, Belgium, Belarus, Bosnia-Herzegovina, Bulgaria, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark (including Faroe Islands), Egypt, Estonia, Finland, France (including Corsica), Georgia, Germany, Gibraltar, Greece (including Greek Islands), Hungary, Iceland, Ireland, Italy (including Aeolian Islands, Sardinia & Sicily), Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway (including Jan Mayen, Svalbard Islands), Poland, Portugal (including Azores & Madeira), Romania, Russia (European), San Marino, Serbia (including Kosovo), Slovakia, Slovenia, Spain (including Balearic and Canary Islands), Sweden, Switzerland, Tunisia, Turkey, Ukraine, United Kingdom and Vatican City.
• Australia & New Zealand: Mainland Australia, Tasmania, New Zealand and their dependencies.
• Worldwide excluding USA, Canada & the Caribbean: Worldwide, excluding United States of America, Canada and all islands in the Caribbean Sea and the Bahamas.
• Worldwide including USA, Canada & the Caribbean: All countries worldwide