3-Month Travel Insurance Policies UK

If you’re planning on embarking on an adventure for 3 months, a 90-day travel insurance policy is what you should be on the lookout for. Whether you’re embarking on a volunteering project abroad, a gap year, a solo backpacking adventure, or a family holiday, if you need travel insurance for a 3-month trip you’ll be able to find the right policy with us.

Many people have annual travel insurance policies with their bank or as part of their financial arrangements, but these will not usually cover a 3-month trip. The maximum individual trip duration on most annual policies is usually 31 days or 45 days, and these periods cannot be extended. For longer durations, you need to select a Long Stay Travel Insurance which is intended for an extended stay abroad, such as a 3-month trip. 

Lucky for you, here at Navigator Travel Insurance we specialise in UK Long Stay Insurance, with these policies covering trip durations extending from 2 months to 18 months. In this article, we aim to share with you all of the details you should consider before securing travel insurance for a 3-month trip. With this, you can embark on your next adventure with the peace of mind of knowing that you’re covered whether you’ll be voluntarily teaching in Africa, hiring a motorcycle in America, or visiting your family in Australia. 

What Does 90-Day Travel Insurance Cover?

Before choosing any travel insurance policy, it’s important to understand exactly what you are covered for whilst you are embarking on your travels. Like most standard travel insurance policies, travel insurance for a 3-month trip often covers you for the following: 

Damage, Loss, or Theft of Your Luggage 

If your baggage is lost, damaged, or stolen whilst you are travelling, you are normally covered for the costs associated with this. It’s not uncommon for baggage to be damaged or lost, especially if your journey involves multiple layovers, which is why your travel insurance for a 3-month trip can come in handy in offering you compensation for your losses.

Long-stay travel insurance for your 3-month trip will cover you up to a certain amount if your baggage is stolen, lost, or damaged, meaning you should get some level of compensation to cover your possessions. Make sure that you read the terms of your policy to determine the maximum amount of compensation that you can get, as you want to make sure that this will cover any, or all, of your possessions if they are to be lost, damaged, or stolen.

Emergency Medical Expenses

If you find yourself needing emergency medical attention whilst you’re on your travels, your 90-day holiday insurance policy should cover you for this. Before you embark on any adventure away from home, there’s always a chance that you will be involved in an accident or sustain an injury. Thus, you want to ensure that you are covered with a suitable travel insurance policy for any medical bills you wrack up as a result of this and that you are able to return home if you’re too ill to continue your travels. 

Holiday Cancellation or Curtailment

90-day travel insurance policies should cover you for holiday cancellation or curtailment. This means that, should an event occur in which you have to cancel or cut your trip short, any expenses that you incur as a result of this should be partially, or fully, covered by your insurance provider. 

What Does 3-Month Travel Insurance Not Cover?

Whilst it’s important to consider what your travel insurance for a 3-month trip does cover, it’s equally important to research what it does not cover too. Travel insurance for 90 days will offer you important cover, such as cancellations and baggage loss, theft, or damage as mentioned above, but there are some things that they often don’t cover you for, which we’ve detailed further below:

Injuries or Accidents Related to High-Risk Activities

There may be certain activities that are covered by your 90-day travel insurance policy but, normally, this excludes high-risk activities. This is because these activities are deemed more dangerous than other low-risk activities, meaning that there’s a higher chance that you may get involved in an accident or sustain an injury. 

These high-risk activities may include rock climbing, bungee jumping, or even winter sports. So, it’s important to chat with your insurance provider to see if you’ll need additional cover to add to your 3-month travel insurance policy if you’ll be partaking in these types of activities. 

Accidents Related to Drugs or Alcohol Misuse 

If you get involved in an accident whilst under the influence of drugs or alcohol, any claim that you make on your 90-day holiday insurance policy is likely to be rejected. It may be easy to get carried away in the excitement of your trip, but should you get involved in an incident whilst you’re under the influence this can have serious financial and legal repercussions and can place others at unnecessary risk.

Travel to Regions Against Government Advice

If you’re choosing to travel to countries or regions around the world that the Foreign, Commonwealth, & Development Office (FCDO) advises against, you should take into account that your 3-month holiday insurance policy will likely not cover this. We always advise staying up to date on the FCDO advice on which regions are safe to visit and which aren’t, as this can change at any time and at short notice. 

Pre-Existing Health Conditions

If you have a pre-existing health condition, you’ll need to discuss with your travel insurance provider whether you will be covered under their 3-month travel insurance policy.  

If you have long-term or pre-existing medical conditions such as Crohn’s disease or Diabetes, this means you may have to have more in-depth conversations with a travel insurance provider to find a suitable travel insurance policy for you. In light of this, a standard 3-month travel insurance policy may not be suitable for your personal circumstances. 

Change of Heart 

If you simply decide closer to your departure time that you don’t want to embark on your trip anymore, this will not be covered by your 90-day travel insurance policy. The only circumstances in which you may be able to claim on your travel insurance plan is if the reasons for you not departing on your trip are a result of extenuating circumstances that are out of your control, not because of a change of heart. 

How Much Does 3-Month Travel Insurance Cost?

Travel insurance pricing varies as it depends on the type of 3-month travel insurance policy you choose, and the level of cover that this offers. With each type of policy, you’ll find different inclusions and exclusions, and normally you’ll find that the more expensive the policy is the more you are covered for. 

Here at Navigator Travel, we offer 90-day travel insurance policies including our Standard Long Stay or Silver and Gold Long Stay Policies. You can chat with us about the costs associated with each of these policies, or our specific volunteering, backpacker, or gap year policies which will cover you for 3-months of travel too. 

Call us today on 0161 973 6435 or chat with us via our online contact form to find the best travel insurance for 90 days for you and the costs this will incur. 

Your Age

Depending on your age, you may not be covered on certain long-stay holiday insurance policies for your 3-month trip, or you may have to pay more because of your age. This is because, as we grow older, we may be more likely to need to access healthcare or receive treatment on our travels. 

If you’re an older individual looking to purchase a travel insurance policy with us, the maximum ages for our long-stay holiday insurance policies here at Navigator Travel are:

• 69 or 75 years for our Longstay and Backpacker Policy
• 59 years for our Gold and Silver Policies

However, if you’re over 65, we offer our over 65s travel insurance policies specifically for you, which are suitable for a range of trips, including those of 3 months in length. Cover for older adults can be offered for up to 94 days on our Travel Plus Policy, and for up to 6 months on our Adventures Policies. Get in touch with us now to find out further details. 

Your Health

If you have a pre-existing health condition, you may have to pay more for your 3-month travel insurance policy. This is because you may be more likely to need to receive specialist medical treatment whilst you’re travelling. 

It is always worth discussing with your travel insurance provider what your medical circumstances are before purchasing a policy. This may mean that additional cover needs to be added to your chosen policy, which is what incurs additional costs. But, this additional cost is always worth it to ensure that you remain happy and healthy on your travels. 

Duration of Your Trip

If you’re planning to travel for extended periods, this means that your insurance policy costs more than it would for say a 1-week trip or a 2-week getaway. This is because you will be covered for a longer period of time. Whilst travel insurance for a 3-month period may not be too expensive, it will be more expensive than travel insurance for a few days or weeks, so this is something to bear in mind before planning your trip. 

Your Destination

The destination that you’re travelling to may mean that your travel insurance policy costs more or less than it would in another destination. For example, the price for a travel insurance policy for a trip to the USA is more expensive than that of a policy for the same period of time, and with the same inclusions, for a holiday in Europe. This is down to destinations around the world being ranked based on how ‘high risk’ they are, and the USA is viewed as a higher risk destination than Europe. This is something that you should bear in mind when considering travel insurance pricing.

Your Luggage and Personal Possessions 

If you have lots of expensive items in your luggage and on your person, you’ll want to make sure that these will be covered by your insurance policy if they are lost, damaged, or stolen. But, the more expensive the items you have, the more expensive your insurance policy will be to cover these. For example, if you plan on taking multiple expensive gadgets, jewellery, or other items with you on your travels, your policy will likely cost more. You can purchase a more expensive policy or pay a higher premium on your insurance if you are planning on taking multiple expensive items with you on your travels. 

Activities You Plan To Do

Whenever you visit a new destination, it’s likely that you’ll be planning on partaking in some exciting activities that you may not be able to experience at home or that you have always had on your bucket list, which will leave you with some fantastic memories of your travels. 

But, depending on the activities you want to partake in, it’s likely that you’ll need to add additional cover to your insurance or choose a more expensive insurance policy, especially if these activities are high-risk. Activities including winter sports, high-altitude trekking, and skydiving are considered to be extreme activities and would need additional insurance to be added on top of your 90-day insurance policy, incurring extra costs.