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"Cover to write home about"
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Longstay & Backpacker
Save 15% Online
Postcard Travel Insurance offers outstanding customer service and generous levels of cover at a price you can afford. If you buy online you can save 15% against our call centre prices
  • Cover for trips up to 18 months
  • Gadget insurance included
  • Return home option included
  • Working abroad covered as standard
Get a Quote
Get a Quote
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Policy Information
Experience the Postcard DifferenceFind Out More

Longstay & Backpacker

Our Longstay & Backpacker Travel Insurance policies are for those planning extended periods of overseas travel. This includes students and backpackers, those of any age taking a ‘gap year’ or a well-earned sabbatical, as well as those looking to do voluntary or charity work abroad.

Cover is available from one month to a maximum of 18 months – depending on your age, and destination. Cover is available for travellers up to 69 years of age.

All Postcard Longstay & Backpacker Policies include:

  • Trips for up to 18 months
  • Working abroad covered as standard (Excluding anything involving the lifting or carrying of heavy items in excess of 25kg, or any activity at a higher level than two storeys.)
  • Automatic cover for a range of adventure sports
  • Two return trips home allowed, without invalidating the policy
  • Cancellation, personal possessions, personal liability and legal expenses cover as standard
  • Up to £10m emergency medical expenses covered as standard
  • Discounts for families and couples
  • 24/7 Emergency Assistance helpline - managed by a team of specialist doctors
  • Cover for medical conditions that you have told us about and we have accepted
Gadgets Covered As Standard
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We're Not On Comparison Sites
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No Policy Excesses!
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Get a Quote
Get a Quote

Eligibility Criteria

  • You must have your main home in the United Kingdom or the Channel Islands and have not spent more than six months abroad in the year before buying this policy
  • You must not have already started your trip
  • You must be able to prove your intention to return home when the policy expires
  • You must be 69 years of age or younger
  • When using the return home extension all cover is suspended on clearance of customs in your home country and restarts after the baggage check in at your international departure point for your return flight, international train or ferry to your overseas destination. This extension will not cover the costs of your return home
  • Cover is not provided for:
    • One way trips
    • Claims due to a medical condition or illness that was known about at the time of taking out your policy or booking your trip whichever is later, unless already declared to us and accepted in writing
    • Travel to areas where the foreign and commonwealth office have advised against all but essential travel

Cover Levels
Experience the Postcard DifferenceFind Out More

Cover Levels

 

The table below, shows the level of cover we offer for Longstay & Backpacker travel insurance including the level of excesses.

What's Included
Classic
 
Policy excess
£0
If you are unable to go on your trip
Your chosen amount
If your end supplier fails before you leave home
£3,000
If your arrival at your trip destination is delayed
£300
If you miss your departure
£1,000
If you miss your connection
£1,000
If you decide to abandon your travel plans
Your chosen amount
If you need emergency medical treatment abroad
£10,000,000
If you incur additional emergency expenses abroad
£2,500
If you need to be brought home
£500,000
If you are buried or cremated abroad
£5,000
If you need to replace your prescribed medication
£500
If you are in a public hospital or confined to your trip accommodation
£1,000
If you need family support
£2,000
If there is a family emergency whilst you are away
£500
If you have to cut your trip short
Your chosen amount
If your checked-in baggage is delayed
£250
If your valuables are lost or stolen
£1,000
If your electrical items & accessories are lost, stolen or accidentally damaged
£1,000
If your gadgets are lost or stolen
£1,000
If your gadgets are accidentally damaged
£1,000
If your accessories are accidentally lost or stolen at the same time as your gadget
£250
If your e-wallet is used fraudulently
£250
If your other possessions are lost, stolen or accidentally damaged
£3,000
If your cash is lost or stolen
£250
If you need emergency travel documents
£250
If you are held legally liable for injury or damage
£1,000,000
If you are killed, injured or disabled following an accident
£15,000
If you are the victim of a criminal assault during your trip
£2,500
If you need legal advice
£25,000
If a force majeure event occurs while you are away
£2,000
If you incur additional costs because your return to your home country is delayed
£1,000
If your end supplier fails whilst you are on your trip
£2,000
Activity Packs

Longstay & Backpacker

Below you can find an extensive list of the activities we provide cover for free of charge (listed under Standard Activities), plus the activities which will require payment of an additional premium (Options 2- 8). Please note, we also offer a winter sports extension and a sports equipment extension which offer additional cover for sports trips.

Unfortunately, we will not be able to provide cover for any activity if:

  • you do not hold the appropriate license or certificate
  • it involves manual labour
  • it is a professional event

Please Note: Whilst we can cover most activities, you will not be covered under the ‘If you are held legally liable for injury or damage’ section of the policy wording for any activity:

  • where you are in control of a motorised vehicle;
  • involving the use of a weapon;
  • involving a contact sport.

Policy Wordings

Policy Wordings

If you would like to view our policy wordings, you are able to find them here. Simply choose the correct policy type and match this up to the date that you bought your policy.

If you have any questions about the cover offered, simply contact us and we will be happy to help.

Experience the Postcard DifferenceFind Out More

Longstay & Backpacker

Our Longstay & Backpacker Travel Insurance policies are for those planning extended periods of overseas travel. This includes students and backpackers, those of any age taking a ‘gap year’ or a well-earned sabbatical, as well as those looking to do voluntary or charity work abroad.

Cover is available from one month to a maximum of 18 months – depending on your age, and destination. Cover is available for travellers up to 69 years of age.

All Postcard Longstay & Backpacker Policies include:

Gadgets Covered As Standard
test
We're Not On Comparison Sites
test
No Policy Excesses!
test
  • Trips for up to 18 months
  • Working abroad covered as standard (Excluding anything involving the lifting or carrying of heavy items in excess of 25kg, or any activity at a higher level than two storeys.)
  • Automatic cover for a range of adventure sports
  • Two return trips home allowed, without invalidating the policy
  • Cancellation, personal possessions, personal liability and legal expenses cover as standard
  • Up to £10m emergency medical expenses covered as standard
  • Discounts for families and couples
  • 24/7 Emergency Assistance helpline - managed by a team of specialist doctors
  • Cover for medical conditions that you have told us about and we have accepted
Get a Quote
Get a Quote
Postcard Customer Promise
  • Our policies are open and fair
  • Our policies will be easy to understand
  • If you have to make a claim, we aim to delight rather than disappoint
  • We will continue to listen to our customers and improve our Postcard Promise
  • All Claims settled within 48 (working) hours
Find Out More
Find Out More
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"Quality Products and
Service at Affordable Prices"
Postcard Customer Promise
Key Benefits as Standard
No policy excesses!
No policy excesses!
Cancellation Cover for anything beyond your control
Cancellation Cover for anything beyond your control
Over 100+ Sports / Activities covered as standard
Over 100+ Sports / Activities covered as standard
No deduction for wear & tear for personal possessions
No deduction for wear & tear for personal possessions
Experience the Postcard Difference
Find Out More
Find Out More
Buying with Postcard
15% Online Discount
15% Online Discount
14 Day Cooling Off Period
14 Day Cooling Off Period
Cover for Medical Conditions
Cover for Medical Conditions
24/7 Emergency Medical Assistance
24/7 Emergency Medical Assistance
UK Based Customer Service
UK Based Customer Service

Eligibility Criteria

  • You must have your main home in the United Kingdom or the Channel Islands and have not spent more than six months abroad in the year before buying this policy
  • You must not have already started your trip
  • You must be able to prove your intention to return home when the policy expires
  • You must be 69 years of age or younger
  • When using the return home extension all cover is suspended on clearance of customs in your home country and restarts after the baggage check in at your international departure point for your return flight, international train or ferry to your overseas destination. This extension will not cover the costs of your return home
  • Cover is not provided for:
    • One way trips
    • Claims due to a medical condition or illness that was known about at the time of taking out your policy or booking your trip whichever is later, unless already declared to us and accepted in writing
    • Travel to areas where the foreign and commonwealth office have advised against all but essential travel

Cover Levels

Experience the Postcard DifferenceFind Out More

 

The table below, shows the level of cover we offer for Longstay & Backpacker travel insurance including the level of excesses.

What's Included
Classic
Policy excess
£0
If you are unable to go on your trip
Your chosen amount
If your end supplier fails before you leave home
£3,000
If your arrival at your trip destination is delayed
£300
If you miss your departure
£1,000
If you miss your connection
£1,000
If you decide to abandon your travel plans
Your chosen amount
If you need emergency medical treatment abroad
£10,000,000
If you incur additional emergency expenses abroad
£2,500
If you need to be brought home
£500,000
If you are buried or cremated abroad
£5,000
If you need to replace your prescribed medication
£500
If you are in a public hospital or confined to your trip accommodation
£1,000
If you need family support
£2,000
If there is a family emergency whilst you are away
£500
If you have to cut your trip short
Your chosen amount
If your checked-in baggage is delayed
£250
If your valuables are lost or stolen
£1,000
If your electrical items & accessories are lost, stolen or accidentally damaged
£1,000
If your gadgets are lost or stolen
£1,000
If your gadgets are accidentally damaged
£1,000
If your accessories are accidentally lost or stolen at the same time as your gadget
£250
If your e-wallet is used fraudulently
£250
If your other possessions are lost, stolen or accidentally damaged
£3,000
If your cash is lost or stolen
£250
If you need emergency travel documents
£250
If you are held legally liable for injury or damage
£1,000,000
If you are killed, injured or disabled following an accident
£15,000
If you are the victim of a criminal assault during your trip
£2,500
If you need legal advice
£25,000
If a force majeure event occurs while you are away
£2,000
If you incur additional costs because your return to your home country is delayed
£1,000
If your end supplier fails whilst you are on your trip
£2,000

Activity Packs

Below you can find an extensive list of the activities we provide cover for free of charge (listed under Standard Activities), plus the activities which will require payment of an additional premium (Options 2- 8). Please note, we also offer a winter sports extension and a sports equipment extension which offer additional cover for sports trips.

Unfortunately, we will not be able to provide cover for any activity if:

  • you do not hold the appropriate license or certificate
  • it involves manual labour
  • it is a professional event

Please Note: Whilst we can cover most activities, you will not be covered under the ‘If you are held legally liable for injury or damage’ section of the policy wording for any activity:

  • where you are in control of a motorised vehicle;
  • involving the use of a weapon;
  • involving a contact sport.

Policy Wordings

If you would like to view our policy wordings, you are able to find them here. Simply choose the correct policy type and match this up to the date that you bought your policy.

If you have any questions about the cover offered, simply contact us and we will be happy to help.


*15% online discount is applied to all online purchases compared to our Customer Service Centre pricing.
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Postcard is a trading name of Travel Insurance Facilities Plc, which is authorised and regulated by the Financial Conduct Authority FRN306537. tifgroup is trading name of Travel Insurance Facilities Plc registered in England No. 3220410 ©. tifgroup ; all rights reserved. Registered Office: 1 Tower View, Kings Hill, West Malling, ME19 4UY.