12 Months or 1 year Travel Insurance

If you’re a globetrotter who is planning to be out of the country for a year, you will require specialist insurance for long-term travel. Here at Navigator Travel, we specialise in long-stay, 12-month or one year travel insurance and can ensure that you will find an appropriate annual travel insurance policy for you. 

Whether you’re planning on studying, volunteering, or working abroad, or you’ll be embarking on a worldwide itinerary or gap year, you can have peace of mind knowing that we have a great selection of annual travel insurance policies to suit all circumstances. 

What is Year Long Travel Insurance and Why is it Important?

12 month travel insurance offers you protective cover whilst you are travelling abroad to one destination, or multiple destinations, in the space of a year. 

Purchasing annual travel insurance is important to ensure that you are adequately covered whilst you’re on your adventures. For example, if there was an instance in which you were involved in an accident, you sustained an injury, or you are faced with other unforeseen circumstances whilst travelling, you can rest assured that your year long travel insurance policy will likely cover you. 

Depending on the nature of your travel, and if one or more destinations are incorporated into your itinerary, this will impact the type of one year travel insurance policy you will need. Therefore, it is crucial that you choose the correct type of annual travel insurance for your plans. 

Discover Which Annual Travel Insurance You Need: Annual Multi-Trip or Single Trip Long Stay? 

Given we specialise in 12 month travel insurance here at Navigator Travel, we can advise you that there are two types of 1 year travel insurance policies that you can choose from. These are as follows: 

1. Annual Multi-Trip Policies: Annual multi-trip insurance policies allow for a traveller to take unlimited short trips (usually spanning from 31 days to 45 days per trip, though some can be up to 62 days per trip) abroad during a 12 month period.
2.  Long Stay Single Trip Policies: These long-term policies are designed for travellers to take one long trip to a single destination overseas. These long stay single trip policies can be purchased for any duration from 1 month to 18 months, or even up to 2 years in some circumstances. 

It’s worth noting that a 12 month long stay single-trip policy is more expensive than an annual multi-trip policy. Additionally, if you are unsure of the duration of time you will be spending on your next getaway, you can simply take a shorter trip, purchase your necessary travel insurance policy, and extend this up to 12 months at a later date, if necessary. 

You can purchase one of our one year travel insurance policies today or contact a member of our team to discuss which policy may be best for you and your individual circumstances.

What Do Our 1 Year Travel Insurance Policies Cover?

Any adventures and travel itineraries planned within a 12 month period may be covered by our policies here at Navigator Travel. For instance, we cover gap year travel, extended backpacking trips, or round the world holidays for those looking to discover new destinations and cultures across the globe. 

We also offer cover for educational and work-related travel such as volunteering abroad, studying overseas, or working in a foreign country due to occupational postings.

And, finally, our insurance policies can are suitable for those looking to have long-term visits to see friends and family so that they have the opportunity to connect with their loved ones whilst having adequate travel insurance cover.

Does a Yearly Travel Insurance Policy Cover Sports? 

Our range of yearly travel insurance policies can cover a wide variety of extreme sports.

These include the following: 

• Playing Polo
• Motorcycling
• Mountain Biking
• Skydiving
• Altitude Trekking
• Scuba Diving (up to 40m)
• Horseriding
• Kitesurfing
• Surfing

It is worth noting that some of the above-listed sports fall into our ‘Action’ and ‘Action Plus’ categories,  which are not covered by our Silver or Gold Long Stay policies. If you require cover for these types of, more hazardous, sports and activities, we may be able to cover you on our AIG Backpacker & Longstay, Adventures, or TravelPlus policies. Call 0161 973 6435 or email sales@navigatortravel.co.uk to gain a quote for your specific trip. 

There are, however, additional sports which are not listed above that are covered by our 12 month travel insurance policies. You can get in touch with us to find out if a specific type of sport you’re looking to partake in on your trip would be covered by our policies.