Long Stay Single Trip Policy
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 Navigator policy covers a good range of sports and activities and gives 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 up to 62 days or for 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 55 years.
- Cost table
- Summary of cover
- Geographical limits
- Hints & tips
- Medical conditions
- Sports & Adventure
| Worldwide - Long Stay Insurance | |||||
| Navigator Cover for Ages 18-55 Maximum duration 18 months |
Voyager Cover for Ages 18-40 Rates available for ages 41-64 years |
||||
| Duration of cover | Australia / New Zealand (+ worldwide stopovers) |
Worldwide excluding USA/Canada |
Worldwide including USA/Canada |
Australia / New Zealand (+ worldwide stopovers) |
Worldwide including USA/Canada |
| 2 months | £44.59 | £49.94 | £65.75 | £38.62 | £48.07 |
| 3 months | £60.84 | £66.70 | £90.91 | £57.46 | £71.63 |
| 4 months | £77.48 | £85.61 | £112.11 | £76.30 | £95.19 |
| 5 months | £91.81 | £103.74 | £135.61 | £95.14 | £118.75 |
| 6 months | £106.99 | £121.28 | £159.45 | £113.98 | £142.31 |
| 7 months | £123.65 | £138.76 | £183.18 | £132.82 | £165.87 |
| 8 months | £142.68 | £157.06 | £207.82 | £151.66 | £189.43 |
| 9 months | £156.95 | £158.73 | £231.09 | £170.50 | £212.99 |
| 10 months | £174.49 | £192.62 | £254.32 | £189.34 | £236.55 |
| 11 months | £187.86 | £209.26 | £278.93 | £208.18 | £260.11 |
| 12 months | £204.51 | £228.29 | £303.55 | £227.02 | £283.67 |
| Europe - Long Stay Insurance Maximum duration 18 months |
||
| Duration of cover | Europe - Navigator Ages 18-55 |
Europe - Voyager Ages 18-40* |
| 2 months | £29.46 | £29.19 |
| 3 months | £42.18 | £43.29 |
| 4 months | £54.92 | £57.39 |
| 5 months | £67.41 | £71.49 |
| 6 months | £81.16 | £85.59 |
| 7 months | £92.99 | £99.69 |
| 8 months | £107.36 | £113.79 |
| 9 months | £118.66 | £127.89 |
| 10 months | £131.25 | £141.99 |
| 11 months | £144.83 | £156.09 |
| 12 months | £159.80 | £170.19 |
| *Add 70% for ages 41-64 years - Voyager policy. | ||
- Deduct 15% from these rates if you do not require BAGGAGE/CASH/PASSPORT cover
- Navigator policies ONLY - Infants and Children up to 17 years - 50% reduction if accompanied by an insured adult
Please see "Summary of cover" for details of cover provided.
Rates include Insurance Premium Tax at 17.5%
| Description of cover | Navigator - per adult | Voyager - per adult | Excess |
| Medical expenses | £10,000,000 | £10,000,000 | £75/£50 |
| Personal liability | £2,000,000 | £2,000,000 | £100 |
| Personal accident | £25,000 | £30,000 | nil |
| Cancellation & curtailment | £3,000 | £5,000 | £50 |
| Baggage | £1,500 | £2,000 | £50 |
| Single item limit | £200 | £250 | £50 |
| Valuables limit | £200 | £500 | £50 |
| Emergency purchases | £150 | £200 | £50 |
| Personal money & documents | £500 (only £200 cash covered) |
£500 (only £250 cash covered) |
£50 |
| Loss of passport | £200 | £500 | nil |
| Travel delay | £300 | £200 | nil |
| Missed departure | £1,000 | £1,000 | £50 |
| Hospital benefit (per day) | £1,000 (£25) | £1,000 (£20) | nil |
| Legal expenses | £25,000 | £20,000 | £100 |
| Resumption of trip | £500 | n/a | £50 |
| Hijack | £500 | n/a | nil |
| Catastrophe | £1,000 | n/a | nil |
Important Note
We cannot cover you to travel to any country against UK Foreign Office 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.
Long stay policies are available with 4 different geographical descriptions :
Europe: As defined on the policy wording. Europe and mediterranean area, includes countries such as Morocco, Tunisia, Egypt, Israel, Turkey, Canary Islands and Madeira.
Australia/New Zealand: These policies offer worldwide cover, but you can only use this cheaper rate if Australia or New Zealand, or a combination of both, are your principal destination. All stopovers worldwide are then covered as well.
Worldwide - excluding USA/Canada/Caribbean & Worldwide - including USA/Canada/Caribbean:
If Australia or New Zealand are not your principal destinations, you need to select Worldwide cover with or without USA/Canada/Caribbean.
annual multi trip policies. Navigator Long Stay policies have a maximum age of 55 years, Voyager Long
Stay policies can be bought up to age 64 years.
Check the sports and activities cover. Navigator Long Stay policies cover a wide range of sports, sometimes at extra cost. Sports cover is rather limited on Voyager Long Stay policies.
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 18 months on Navigator policies, 15 months on Voyager.
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.
You will often need to go through the medical screening process to get specific confirmation that your condition
can be covered.
For Navigator policies call 0845 250 5375 quoting WHIIL/VOY/NAV/2009
For Voyager policies call 0845 055 9923 quoting Voyager Webroker policy
You will be asked a few questions and advised if your condition can be covered and whether there are additional costs or conditions imposed.. They will quote you a medical reference number, which will be asked for when buying cover.
However some require either a 25% or 50% supplement to be paid.
The Voyager policies are not ideal for adventurous travellers, as they only cover a limited range of sports and activities, though motorcycle touring is covered on both Navigator and Voyager 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.
| Plus 25% | Plus 50% | |||
| Activity | Voyager | Navigator | Navigator Action | Navigator Action Plus |
| Abseiling (with professional organisers) | Y | Y | ||
| Adventure Racing | Y | |||
| Alpine mountain biking | Y | |||
| American Football | Y | |||
| Angling | Y | Y | ||
| Archery | Y | Y | ||
| Amateur Athletics | Y | |||
| Badminton | Y | |||
| Ballooning - Hot Air | Y | Y | ||
| Bamboo Rafting | Y | |||
| Banana Boating | Y | Y | ||
| Baseball | Y | Y | ||
| Basketball | Y | Y | ||
| Biathlon | Y | |||
| Bigfoot Skiing extra cost | Y | |||
| Big Game Hunting | Y | |||
| Black Water Rafting | Y | |||
| Boardsailing / Windsurfing | Y | Y | ||
| Bouldering | Y | |||
| Bowling | Y | Y | ||
| Bowls | Y | Y | ||
| Bridge Swinging | Y | |||
| Bungee Jumping (UP TO 3 JUMPS) | Y | Y | ||
| Camel Riding | Y | Y | ||
| Canoeing (River - Not White Water) | Y | Y | ||
| Canyoning (with professional organisers) | Y | |||
| Catamaran Sailing | Y | |||
| Cat Skiing/Boarding extra cost | Y | |||
| Caving | Y | |||
| Cave Tubbing/Tubing | Y | |||
| Clay Pigeon Shooting | Y | |||
| Climbing (indoor) | Y | |||
| Climbing (Up to 4,000 metres with the use of guides and ropes) | Y | |||
| Cricket | Y | Y | ||
| Cross Country Running | Y | Y | ||
| Cross Country Skiing extra cost | Y | |||
| Curling | Y | |||
| Cycle Racing | Y | |||
| Cycling | Y | Y | ||
| Cyclo-Cross | Y | |||
| Deep Sea Fishing | Y | Y | ||
| Dinghy Sailing (No Liability Cover) | Y | Y | ||
| Dry Slope Skiing/Boarding | Y | |||
| Diving (High Diving) | Y | |||
| Diving (Scuba)(Up to 30m depth if qualified or with an instructor) | Y | Y | ||
| Diving (Scuba)(30m - 50m depth if qualified or with an instructor) | Y | |||
| Dog Sledding | Y | |||
| Elephant Trekking | Y | |||
| Endurance Tests | Y | |||
| Equestrian Events | Y | |||
| Fell Running | Y | |||
| Fell Walking | Y | Y | ||
| Fencing | Y | |||
| Fishing | Y | Y | ||
| Fives | Y | |||
| Flying (in light aircraft) | Y | |||
| Football / Soccer | Y | |||
| Football - American | Y | |||
| Gaelic Football | Y | |||
| Glacier Skiing "Winter Sport" extra cost | Y | |||
| Glacier Walking "Winter Sport" extra cost | Y | Y | ||
| Gliding | Y | |||
| Go-Karting | Y | |||
| Golf | Y | Y | ||
| Gymnastics | Y | |||
| Handball | Y | Y | ||
| Hang Gliding | Y | |||
| Harness Racing | Y | |||
| Heli-skiing "Winter Sport" extra cost | Y | |||
| Hiking (4000m to 6000m) | Y | |||
| Hiking (below 4000m) | Y | Y | ||
| Hockey | Y | |||
| Horse Riding | Y | Y | ||
| Hot Air Ballooning | Y | |||
| Hurling | Y | |||
| Ice Hockey "Winter Sport" extra cost | Y | |||
| Ice Skating (excluding Speed Skating) | Y | |||
| Jet Boating | Y | |||
| Jet Skiing | Y | Y | ||
| Judo | Y | |||
| Karate | Y | |||
| Kayaking (up to grade 4 rivers only) | Y | |||
| Kendo | Y | |||
| Kite Snowboarding "Winter Sport" extra cost | Y | |||
| Kite Surfing | Y | |||
| Lacrosse | Y | |||
| Langlauf "Winter Sport" extra cost | Y | |||
| Marathon Running | Y | Y | ||
| Martial Arts | Y | |||
| Micro-Lighting | Y | |||
| Modern Pentathlon | Y | |||
| Mono Skiing extra cost | Y | |||
| Motor Cycling | Y | |||
| Mountain Biking (recreational) | Y | Y | ||
| Netball | Y | Y | ||
| Off Piste Skiing (within local ski patrol guidelines) "Winter Sport" extra cost | Y | |||
| Orienteering | Y | Y | ||
| Paintballing (wearing eye protection / no liability cover) | Y | |||
| Parachute Jumping (static line) | Y | |||
| Parachute Jumping (tandem) | Y | |||
| Paragliding | Y | |||
| Parascending (supervised or with an instructor) | Y | Y | ||
| Parascending (supervised, over water) | Y | |||
| Parascending (over land) | Y | |||
| Pistol Shooting | Y | |||
| Polo | Y | |||
| Pony Trekking | Y | |||
| Quad Biking | Y | |||
| Racketball | Y | Y | ||
| Rackets | Y | Y | ||
| Rambling | Y | Y | ||
| Rap Jumping (with professional organisers) | Y | |||
| Reenacting (exludes use of live ammunition) | Y | |||
| Rock Climbing using ropes and guides | Y | |||
Rifle Shooting |
Y | |||
| Ringos | Y | Y | ||
| River Bugging | Y | |||
| Roller Blading | Y | |||
| Roller Hockey | Y | |||
| Rounders | Y | Y | ||
| Rowing | Y | Y | ||
| Rugby League | Y | |||
| Rugby Sevens | Y | |||
| Rugby Union | Y | |||
| Running | Y | Y | ||
| Running (marathon) | Y | |||
| Safari (organised by bona fide tour operator, no guns) | Y | Y | ||
| Safari (organised by bona fide tour operator, with guns) | Y | |||
| Sail Boarding | Y | Y | ||
| Sailing / Yachting Inshore - (no liability cover) | Y | Y | ||
| Sailing / Yachting Offshore - (no liability cover) | Y | |||
| Safari Trekking in a vehicle (must be organised tour) | Y | Y | ||
| Safari Trekking on foot (must be organised tour) | Y | Y | ||
| Sand Dune surfing / skiing | Y | |||
| Scrambling | Y | |||
| Scuba Diving (up to 30m depth if qualified or with instructor) | Y | Y | ||
| Scuba Diving (30m - 50m depth if qualifies or with instructor) | Y | |||
| Sea Kayaking | Y | |||
| Shark Diving (in cage) | Y | |||
| Shinty | Y | |||
| Shooting | Y | |||
| Skate Boarding | Y | |||
| Skiing extra cost | Y | Y | ||
| Ski Randonne "Winter Sport" extra cost | Y | |||
| Ski Touring "Winter Sport" extra cost | Y | |||
| Skiing - snow "Winter Sport" extra cost | Y | |||
| Skiing - Off-Piste "Winter Sport" extra cost | Y | |||
| Sky Diving | Y | |||
| Snorkelling | Y | Y | ||
| Snowboarding "Winter Sport" extra cost | Y | Y | ||
| Soccer | Y | |||
| Softball | Y | Y | ||
| Speed Skating "Winter Sports" extra cost | Y | |||
| Squash / Rackets | Y | |||
| Street Hockey (wearing pads & helmets) | Y | |||
| Summer Tabogganing | Y | |||
| Surfing | Y | Y | ||
| Swimming | Y | Y | ||
| Table Tennis | Y | Y | ||
| Tae Kwon Do | Y | |||
| Tennis | Y | |||
| Tabogganing "Winter Sport" extra cost | Y | |||
| Trampolining | Y | |||
| Trekking, Walking, Hiking | Y | Y | ||
| Trekking (4,000m to 6,000m) | Y | |||
| Triathlon | Y | |||
| Tug-of-War | Y | |||
| Volleyball | Y | Y | ||
| Walking, Hiking, Trekking | Y | Y | ||
| Walking - Hill (up to 3,000m) | Y | |||
| War Games | Y | |||
| Water Polo | Y | Y | ||
| Water Skiing | Y | Y | ||
| Water Skiing Jumping | Y | |||
| Weightlifting | Y | |||
| White Water Canoeing / Rafting (up to Grade 3) | Y | Y | ||
| White Water Canoeing / Rafting (Grade 4 or More) | Y | |||
| Windsurfing | Y | Y | ||
| Zorbing | Y | Y |
All Activities designated as "Winter Sport" subject to appropriate loading for Single Trip cover.