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Longstay Travel Insurance
When travelling on an
extended stay in a foreign country, its crucial to be sure you are
covered for unforeseen illness or accidents. Most countries do not
provide free health care and an emergency visit to the hospital is
enough to cripple your finances. If you plan to take a lengthy
holiday or will be working short term abroad, you must take care to
get yourself fully insured.
Though there are no guarantees with a sudden accident, there are
some precautionary measures you can take to keep yourself healthy on
an extended stay abroad. Be sure to check with the nation's webpage
for health and safety tips and predetermine if the drinking water is
potable. In countries where tap water is not deemed safe, you will
need to drink only bottled water and remember to use it also for
brushing the teeth. In addition, its important not to consume food
items that rinsed under tap water such as pasta and raw vegetables.
Such contaminated water brings with it intestinal upset that may
lead to dysentery, dehydration and even death.
If you are a frequent traveller and plan to take more than one
holiday per year, try an annual/multi trip insurance policy that
will cover the entire family as long as each holiday is less than
forty-five days per trip. Competitive annual policies will even
cover skiing and snowboarding for free.
Shop and compare prices for full coverage to include your lifestyle
and planned activities. Some annual insurance premiums are geared
for high-risk activities, backpacking holidays, study abroad
programs with policies to cover every age starting at a variety of
minimum age requirements. Study abroad insurance policies fully
cover the student for medical and emergency transport back home and
may be purchased at a minimum age in the early twenties. However,
academic documentation is required and must be faxed to the
For the active traveller, you may wish to pursue a comprehensive
insurance premium that covers an array of hazardous endeavours such
as bungee jumping, river rafting , SCUBA diving, etc. Be sure to
check your policy's rules and regulations carefully to ensure that
they will cover the specific activities you wish to engage in, as
the premiums are selective in what you are allowed to participate
You may also purchase a basic plan for long stay travel insurance
that provides satisfactory coverage but may limit your access to
certain foreign countries, so be sure you are approved for your
destination. Top premiums may impose a penalty for emergency return
to the UK, allowing only one usage per year. Cheaper policies may be
found, but all long stay travel is deemed high risk and therefore
subject to tight restrictions even on lower cost policies.
The best way to ensure that you find the long stay travel insurance
that meets your activity level and budget is to plan ahead and leave
yourself plenty of time to shop and compare. Not all policies are
created equal and you need to read the fine print before making a