If you are planning to be out of the country for an extended period (two months or longer) you will require Long Stay cover. Navigator Travel Insurance specialises in this type of cover for travellers participating in a gap year, studying or volunteering overseas, taking a career break, backpacking to individual destinations or on round the world itineraries or working holidays.
The GOLD and SILVER policies cover a good range of sports and activities and give the opportunity to upgrade to include cover for the more extreme activities, such as skydiving, high altitude trekking and sports such as rugby and polo. The option is available to add wintersports cover for up to 31 days, or fo the entire duration, at extra cost.
These policies are flexible, allowing you to extend your duration whilst abroad, if you decide to stay longer than originally planned, or to upgrade the policy later, to include more extreme sports and activities, if required.
Maximum age on these policies is 64 years.
Cost table Summary of cover Geographical limits Hints & tips Medical Conditions Sports & Adventure
Worldwide – Long Stay Insurance
|Maximum duration 15 months (18 months by special arrangement)|
|Duration of cover||Limited* USA/Canada & Caribbean||Unlimited* USA/Canada & Caribbean||Limited* USA/Canada & Caribbean||Unlimited* USA/Canada & Caribbean|
Europe – Long Stay Insurance
|Maximum duration 15 months|
|Duration of cover||Silver||Gold|
- * Worldwide Limited USA/Canada/Caribbean rates do permit stopovers in USA/Canada/Caribbean, but these regions must not be the principal destination. Time spent in USA/Canada/Caribbean must not exceed time spent elsewhere.
- These prices are for Ages 18-40 years and unaccompanied children.
- Infants and Children up to 17 years – 50% reduction if accompanied by an insured adult
- Higher prices are available for ages 41-64 years
- Wintersports are extra cost . Silver policies for up to 31 days wintersports – additional £36.57. Gold policies for up to 31 days wintersports – additional £54.85. For more than 31 days wintersports cover – double total premium for whole trip.
- Both policies also have Action level (plus 50% Gold or 75% Silver) or Action Plus level (plus 100% Gold or 150% Silver) for Extreme Sports – see (link to sports table).
Please see “Summary of cover” for details of cover provided.
Rates include Insurance Premium Tax at 20%.
Summary of cover
|Description of cover||Silver – per adult||Gold – per adult||Excess Silver/Gold|
|Cancellation & curtailment||£2,000||£5,000||£75/£50|
|Single item limit||£150||£250||£75/£50|
|Personal money & documents||£200
(only £100 cash covered)
(only £250 cash covered)
|Loss of passport||£100||£500||nil|
|Hospital benefit (per day)||£300 (£10)||£1,000 (£20)||nil|
If you travel to any country against UK Foreign Office advice (or its equivalent in other EU countries), we cannot cover you for claims arising directly or indirectly from the circumstances that have given rise to the advice. A list of such countries appears on the Foreign Office website and is updated frequently. Please refer to this site for the current situation.
It is very important that you select the correct geographical limits when purchasing your policy.
Long stay policies are available with 3 different geographical descriptions :
Europe: As defined on the policy wording. The continent of Europe West of the Ural Mountains, any country with a Mediterranean coastline (excluding Algeria, Libya and Israel), Republic of Ireland,Channel Islands, Canary Islands, Madeira and Iceland.
Worldwide – excluding USA/Canada/Caribbean – Worldwide Excluding USA/Canada/Caribbean rates do permit stopovers in USA/Canada/Caribbean, but these regions must not be the principal destination. Time spent in USA/Canada/Caribbean must not exceed time spent elsewhere.
Worldwide – including USA/Canada/Caribbean – This rate applies when these regions are the principal destination for the trip.
Hints & tips
Check age limits of these policies carefully. Age limits on long stay policies are lower than short stay or annual multi trip policies. Navigator Long Stay policies have a maximum age of 64 years.
Check the sports and activities cover. Navigator Long Stay policies cover a wide range of sports, sometimes at extra cost.
Unused periods of travel insurance are non refundable. Policies can be extended after departure, so if in doubt about the duration of your trip, buy a shorter duration that you are comfortable with and extend if necessary. This can work out slightly more expensive.
Maximum durations are 15 months on Navigator Long Stay policies.
These policies can be commenced if you are already overseas, under certain circumstances, if you find yourself uninsured for some reason. This cannot be done online, as the policies are slightly different.
You need to call 0161 973 6435 to arrange cover in these circumstances. These policies, when commenced from overseas, will not cover any pre-existing situations at all, so if you have a problem that you already know about at the time of purchasing the policy, claims arising from this situation are NOT covered.
Any pre-existing medical condition needs to be declared if you want to be covered for claims arising from it. You will often need to go through the medical screening process to get specific confirmation that your condition can be covered.
For Silver & Gold policies call 0845 003 5244
1 – Within the last 12 months, have any of you suffered from, been investigated for, diagnosed with, received treatment or taken any medication for;
a. any cancer or malignant condition.
b. any lung related condition (other than stable, well controlled asthma that requires not more than 2 medications, including inhalers).
c. any heart related condition (including angina)?
NB – You must contact Healthcheck if you take regular medication for any of these conditions.
2 – Do any of you suffer from any other medical condition that has required referral to or consultation with a specialist clinic or hospital for treatment, tests or investigation within the 12 months prior to the date this insurance was arranged or the date that you subsequently made arrangements for a trip?
NB – Continuing regular medication that is taken at home for a stable, well controlled condition does not amount to ‘treatment; in this context and so does not need to be screened. If you have stable conditions that require no more than two routine check-ups/reviews per year each then you do not need to be screened.
3 – Has your doctor increased your regular prescribed medication in the last three months?
If you have answered NO to all 3 questions – Your medical conditions (if any) will be covered
If your answer to ANY of these 3 questions is YES – There is no cover for claims related directly or indirectly to these conditions unless declared to us and confirmed in writing.
However, cover may be available by contacting Healthcheck on 0845 003 5244
Please note that there will be an additional premium charged if you use this service, the amount of which varies and is determined by the details declared. Any special terms that are necessary will be explained to you and confirmed in writing. They will quote you a medical reference number, which will be asked for when buying cover.
4 – Are you planning to take part in any hazardous activities (see general exclusions on page 7) or are you aware of any other circumstances that could reasonably be expected to give rise to a claim, such as the state of health of a close relative whose health may cause you to cancel or curtail your trip? If so, please contact Voyager Insurance Services on 01483 562662.
Sports & Adventure
Our policies cover a wide range of hazardous sports and activities, many of them at the basic price. However some require either a 50% (Action) or 100% (Action Plus) supplement to be paid on Gold policies or 75% (Action) or 150% (Action Plus) on Silver policies.
Motorcycle touring is covered on both GOLD and SILVER policies, with no restrictions on the cc of the bike, as long as a full UK license is held and crash helmets worn. Personal Liability cover is excluded for claims arising from driving or riding motor vehicles or riding animals.
|Abseiling (with professional organisers)||Y||Y||Y|
|Ballooning – Hot Air||Y||Y||Y|
|Black Water Rafting Grades 1-4||Y||Y||Y|
|Black Water Rafting Grades 5-6||Y||Y|
|Boating inside 12 mile limit||Y||Y||Y|
|Bouldering up to 7m with crash pad||Y|
|Bungee Jumping (UP TO 3 JUMPS)||Y||Y||Y|
|Bungee Jumping (More than 3 jumps)||Y||Y|
|Canoeing (River – Up to Grade 3)||Y||Y||Y|
|Canoeing (Grade 4 & 5)||Y||Y||Y|
|Canyoning (with professional organisers)||Y|
|Catamaran Sailing Within 12 mile limit||Y||Y||Y|
|Catamaran Sailing Outside 12 mile limit||Y|
|Clay Pigeon Shooting||Y||Y||Y|
|Cycling (on road, event training)||Y||Y|
|Cycling (on road, competition)||Y|
|Deep Sea Fishing (Inside 12 mile limit)||Y||Y||Y|
|Dinghy Sailing (Inside 12 mile limit)||Y||Y||Y|
|Diving (High Diving)||Y|
|Diving (Scuba)(Up to 30m depth)||Y||Y||Y|
|Diving (Scuba) (Up to 40m depth)||Y||Y|
|Flying (in light aircraft) as passenger||Y||Y||Y|
|Flying light aircraft (piloting as PPL holder)||Y||Y|
|Flying light aircraft (piloting under instruction)||Y|
|Football / Soccer recreation or incidental||Y||Y||Y|
|Football / Soccer Amateur Competition/Tour||Y||Y|
|Gliding as passenger||Y||Y||Y|
|Gliding as pilot with license||Y||Y|
|Gliding as pilot under instruction||Y|
|Go-Karting below 250cc||Y||Y||Y|
|Hiking/Trekking (up to 4000m)||Y||Y||Y|
|Hiking/Trekking (up to 4000-6000m)||Y|
|Horse Riding (non competitive/racing/jumping/hunting)||Y||Y||Y|
|Hot Air Ballooning as passenger||Y||Y||Y|
|Ice Hockey (W/S premium must be paid)||Y|
|Ice Skating (on rink W/S premium must be paid)||Y||Y||Y|
|Kayaking (up to grade 5 rivers or sea)||Y||Y||Y|
|Kick Boxing training||Y|
|Kite Surfing over land||Y||Y|
|Kite Surfing over water||Y||Y||Y|
|Martial Arts training (not Mixed Martial Arts)||Y|
|Motor Cycling non-competitive||Y||Y||Y|
|Motorcycling Off-Road Full Licence (excluding competitive/stunts/jumping)||Y|
|Mountain Biking (recreational)||Y||Y||Y|
|Mountain Biking (amateur competitions)||Y|
|Paintballing (wearing eye protection / no liability cover)||Y||Y||Y|
|Parachute Jumping/Skydiving Tandem/Static Line (max 3 jumps)||Y||Y|
|Parascending (supervised, over water)||Y||Y||Y|
|Rifle Range Shooting||Y||Y||Y|
|Rugby League Amateur||Y|
|Rugby Union Amateur||Y|
|Safari (organised by bona fide tour operator)||Y||Y||Y|
|Sailing / Yachting Inside 12 mile limit (no liability cover)||Y||Y||Y|
|Sailing / Yachting Outside 12 mile limit (no liability cover)||Y|
|Scuba Diving (up to 30m depth if qualified or with instructor)||Y||Y||Y|
|Scuba Diving (30m – 40m depth if qualified or with instructor)||Y||Y|
|Shark Cage Diving (organised by reputable operator and agreed in advance)||Y||Y|
|Skate Boarding recreational||Y||Y||Y|
|Skate Boarding Demo or Competitive||Y||Y|
|Sky Diving Tandem Static Line (max 3 jumps)||Y||Y|
|Sky Diving Solo (max 3 jumps)||Y|
|Tai Chi (non contact)||Y||Y||Y|
|Trekking (up to 4,000m)||Y||Y||Y|
|Trekking (up to 4,000-6,000m)||Y|
|Walking, Hiking, Trekking to 4,000m||Y||Y||Y|
|Walking, Hiking, Trekking (4,000-6,000m)||Y|
|White Water Canoeing / Rafting (up to Grade 3 rivers only)||Y||Y||Y|
|White Water Canoeing / Rafting (Grade 4 or More)||Y||Y|
WINTERSPORTS (additional cost on Single Trip Long and Short Stay Policies):
|Big Foot Skiing||Y||Y||Y|
|Cross Country Skiing||Y||Y||Y|
|Dry Slope Skiing||Y||Y||Y|
|Glacier Walking 2000-4000m||Y||Y|
|Glacier Walking 4000m-6000m (Wintersports premium must be paid)||Y|
|Heli Skiing with Guide||Y|
|Ice Skating on rink||Y||Y||Y|
|Off Piste Skiing||Y||Y||Y|
|Skiing not racing||Y||Y||Y|
All Activities designated as “Winter Sport” subject to appropriate loading for Single Trip cover.