LONG STAY: For trips up to 18 months duration. GET A FREE QUOTE



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.


Holiday Makers

Families, couples or individuals

Families, couples or individuals on holiday or business trips for shorter durations.



gap years, Backpackers and Career break

Usually couples or individuals requiring cover for longer term overseas trips of 2 months or more.


Sports & Adventures

skiing, snowboarding, climbing and more

We offer four policies for people travelling overseas, requiring cover for specific sports and activities.

High-Risk Destination Travel InsuranceFIND OUT MORE

High-Risk Destination Insurance

Covers War Zones and Disaster Relief Zones.

Cover designed for travelling professionals needing to travel to high-risk regions like Iraq & Syria.

DestinationsFIND OUT MORE

Motorcycle Travel Insurance

On-road & off-road cover for motorcycles

Get covered for your next motorcycle holiday with Navigator Travel Insurance.

Global Voyager International Travel InsuranceFIND OUT MORE

Global Voyager Travel Insurance

Travel from anywhere, to anywhere

Available to most nationalities on an "anywhere to anywhere" basis whilst travelling outside home country.


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:

Backpacker Insurance
Working Travel Insurance
Volunteering Abroad Insurance
After Departure Insurance
Extreme Sports Insurance

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.