IMPORTANT CORONAVIRUS INFORMATION:
IMPORTANT – If you are travelling to a country against FCDO advice, ONLY our High Risk Voyager policy is valid. This policy is primarily for working or studying abroad, though leisure trips of up to 31 days can be covered.
ALL our other policies are completely invalid if you travel to a country against FCDO advice.
See lower down on this page for full details of what is and isn’t covered on our policies for Covid 19.
Travel Insurance for Everyone
Get an instant quote and save money with Navigator Travel Insurance. Policies for backpackers, gap year travel, student travel or family holidays. We can cover most types of working abroad, including manual work, using heavy machinery, agricultural work and working with both domestic & wild animals. We have a wide range of policies for motorcycling on or off-road, and motocross. Most adventure or hazardous sports also covered – including insurance for paragliding, bungee jumping, scuba diving, whitewater rafting, martial arts, rugby, polo and skiing.
Short stay insurance offers great cover for individual holidays or business trips. The levels of cover ensure peace of mind and protection for you, and your family. These policies are designed to cover trips of up to 62 days in duration. We have a choice of several policies, some with no age limits.
These policies can also cover a broad range of sports and activities and the opportunity to upgrade to include insurance for more extreme sports and activities such as skydiving, high altitude trekking as well as rugby, polo and lacrosse, though some of these will require referral to our underwriters for consideration to determine costs and conditions.
Skiing and Snowboarding insurance is also available on short stay insurance by doubling the standard price.
Long stay travel insurance is ideal if you are planning on being outside of the country for an extended period of time (two months or longer). Navigator Travel specialises in long stay travel insurance for gap year travel, volunteering or studying overseas, career break and sabbatical travel and backpacking to individual destinations, round-the-world itineraries or working holidays.
Navigator’s GOLD and SILVER products offer cover for a range of sports and activities, however they do not cover the more extreme activities such as skydiving, high altitude trekking, rugby, polo and lacrosse. Winter sports insurance is an optional extra and can be added for cover up to 31 days.
Our BACKPACKER and STANDARD long stay insurance covers a wider range of sports and activities (in Activity Packs 1-4) and can cover longer periods of winter sports, such as skiing and snowboarding. These two policies are also great for working abroad, as they can cover a wide range of work, including manual, agricultural, working with machinery or animals.
These policies offer flexibility that allow you to extend your duration whilst abroad or upgrade the policy to include more extreme sports and activities if required.
The maximum age limits on these long stay policies are: 59 years on GOLD and SILVER, 35 years on BACKPACKER or 55 years on STANDARD LONGSTAY. We have other policies, such as Navigator Standard or Navigator Plus, that can be used up to age 65 years, for trips of up to 12 months duration.
Annual Multi Trip
If you are a frequent traveller, it would be worth investigating annual travel insurance. Multi Trip policies will cover you for a 12-month period for a set price, such as Navigator Silver or Navigator Gold, that cover you for individual trips of up to 45 days in duration (extendable to 62 days at extra cost). For longer trips, you will need Long Stay single trip policies that cover journeys of over 62 days.
Annual Multi Trip insurance cover can be purchased as an individual, as a couple of as a family. Discounted annual prices are available to couples and families and provide a level of cover to ensure peace of mind and protection when abroad.
These policies do cover a broad range of sports and activities and give you the option to upgrade and include extreme sports and activities such as paragliding, martial arts training and sports such as rugby and polo. Requests for some of these sports and activities will need to be referred to our underwriters for consideration and may incur additional costs and conditions.
NAVIGATOR SILVER or GOLD Annual Multi Trip policies will cover up to 21 days wintersports free of charge , in the 12-month period. A maximum age of 69 applies to Navigator Silver Annual policies, or 74 years for Navigator Gold.
IMPORTANT – COVID 19 cover
To minimize confusion, we have detailed the Covid 19 cover on our policies below. There are 6 main areas of potential risk associated with Covid 19 and they are not all covered on travel insurance policies:
Cancellation due to catching Covid 19 or testing positive for Covid 19 prior to departure
Navigator Silver, Gold & Diamond – Cover provided (conditions apply)
High Risk Voyager – NO cover
Travel Plus – Cover provided (conditions apply)
Adventures – NO cover
Medical Expenses and Repatriation cover if you contract Covid 19 overseas
All policies (Navigator Silver, Gold & Diamond, High Risk Voyager, Travel Plus and Adventures) – Cover provided (conditions apply)
Quarantine Hotel accommodation
None of our policies cover any quarantine hotel accommodation, either overseas or in the UK.
Journey Disruption during the trip due to Covid 19
None of our policies cover Covid 19-related Journey Disruption during the trip, though certain aspects may be covered if it is part of a Medical claim, if you become ill with Covid 19 overseas.
Travel to a Country against FCDO advice due to Covid 19
Navigator Silver, Gold & Diamond – No cover at all for travelling against FCDO advice
High Risk Voyager – Cover provided irrespective of FCDO advice (conditions apply)
Travel Plus – No cover at all for travelling against FCDO advice
Adventures – Cover provided for travelling to a country where FCDO advises against ALL BUT ESSENTIAL travel (conditions apply)
Cancellation/Curtailment due to Covid 19-related changes to FCDO advice
None of our policies provide cover if you cancel a trip due to changes to FCDO travel advice relating to Covid 19.
When you plan your holiday or travel arrangements it is important to choose your holiday insurance with care. Many policies do not give cover for adventurous or hazardous sports and it is frequent for holiday insurance not to cover working whilst traveling.
Navigator offers several online insurances that cover working and many sports and hazardous activities. Our ADVENTURES policy is aimed primarily at travellers requiring cover for hazardous sports or work, with a good selection of sports covered. The SILVER, GOLD & DIAMOND policies cover fewer types of work and sporting activities.
This important part of trip planning is all too often given insufficient consideration and many holiday makers travel each year with policies that are not suitable for the activities that they are undertaking. There is such a range of travel types that it is often difficult to identify the right policy without a lot of research. Some of the specialist policies offered here at Navigator are:
A common mistake when selecting a policy for long stay travel is to buy an Annual Multi-Trip holiday insurance. Because these are advertised as “annual holiday insurance” it is assumed that they would give cover for a long stay trip, such as a gap year holiday. In reality, whilst they will give insurance cover for many trips, there is an individual trip duration limit, often only 31 days. This type of cover can be invalidated if your trip is longer than this duration, so for holidays like this you need long stay cover. Our NAVIGATOR SILVER & GOLD policies cover long trips of up to 18 months duration.
It is also increasingly popular these days for people to seek work overseas, and it is important that you get a working travel insurance cover to ensure that work is covered. Many holiday policies will not cover claims that arise in the workplace, though Navigator offer policies like the High Risk Voyager or Adventures, covering manual work, using heavy machinery, working with animals and agricultural work. There will be additional conditions attached to manual work, and occasionally higher cost. Personal Liability claims are not covered though; these should be covered by the employer who should have insurance in place to protect against such eventualities.
Whatever your requirements, we will try to obtain a suitable quote to cover your needs, and offer a personal service to try and ensure that the policy meets your expectations. Call us now or get a quote online!
Frequently Asked Questions (March 2020):
What cover is available under my policy in relation to Coronavirus or FCDO change in advice?
Our policies provide cover for Medical Expenses relating to Covid 19, if you contract Covid overseas. There is also cover on our Navigator Silver, Gold & Diamond policies, and Travel Plus policies, for Cancellation if you test positive or are hospitalized for Covid 19 close to your intended departure.
All policies, with the exception of the High Risk Voyager policy and Adventures policy, are invalid for travel to a country which has FCDO advice in place, advising against all or all but essential travel (even if your trip is classed as essential travel). Our policies do NOT cover cancellation in the event of changes to FCDO travel advice.
Navigator Travel Insurance Services Ltd
Reg. Office address :
Cheshire WA14 2UT