90 Days Travel Insurance
Extended long-stay cover for trips lasting up to 90 days.
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Today many people are exploring career breaks, working holidays, and extended backpacking trips. However, traditional travel insurance, and even multi-trip insurance often doesn’t provide adequate coverage for these lengthy journeys.
Whether you’re planning an extended winter getaway or adventuring through multiple countries, it’s essential to have the right insurance to keep you protected personally and financially.
So what exactly is 90 day travel insurance, and who should consider it? This type of coverage, also referred to as three month travel insurance or backpacker insurance, is designed for individuals embarking on extended journeys up to 90 days.
This type of insurance can be the ideal coverage for you if you are considering these travel options:
- Long stay single trips
- Extended backpacking
- Career breaks
- Volunteering
- Studying for a term abroad
- Working holidays abroad
- Long cruise holidays
Considering the expenses you’ll already be paying out for your travel plans, it’s natural that you’ll want to find cheaper insurance. This means you won’t be spending money that you would rather use exploring new places and enjoying yourself abroad. Like with all insurance, one of the best ways to get cheaper 90-day travel insurance is to compare prices from multiple insurers.
How much does 90-day travel insurance cost?
The cost of insurance varies depending on your travel plans and your personal circumstances, so unfortunately there is no one answer to this. The fastest way to find out the cost of this insurance for you is to get a personalised quote now.
The cost of 90 day trip travel insurance will vary widely depending on these factors:
- Your age – Your age can have a big impact on your likelihood of making a claim, so often the older you are the more expensive it can be.
- Your health – This can affect your insurance costs, but don’t be tempted to withhold any information from your insurer as this can completely invalidate your policy and leave you with no cover at all.
- The duration of your trip – Naturally, longer stays often result in higher premiums.
- Your destination -The specific countries you plan to visit impact the risks you are exposed to and, consequently, your premium.
- Your luggage and personal possessions – If you have a lot of expensive and valuable personal items that need protection, these costs will be reflected in your premium.
- Planned activities – If you intend to engage in high risk activities, like water sports or excursions, you could need additional coverage.
What does 90-day travel insurance cover?
A 90 day insurance policy has a standard level of cover but the benefit of covering you for the full amount of time you are travelling. This means you don’t have to deal with multiple policies or premiums or compromise your coverage.
A 90 day policy can also provide protection for:
Travel Issues
- Cancellation – This covers any expenses that you cannot get back if the trip is cancelled for any reason listed on your policy.
- Curtailment – This covers expenses and costs you face when you have to curtail or cut your holiday short because of any reason listed on your policy.
- Delayed baggage – If your luggage is delayed for more than 12 hours you are covered for necessities like clothing and toiletries.
- Missed departure – If you miss the departure of your mode of transport, you are covered for accommodation and travel expenses when making alternative travel plans. These usually have a limit outlined in your policy
- Delayed travel – If you suffer any additional costs following a delayed departure of your booked mode of transport you can get a fixed sum for pre-set intervals after a minimum of 12 hours delay (usually 12 hour intervals).
Health Cover
- Medical expenses – This provides assistance with emergency medical treatment and is essential if you are travelling to a country with expensive medical costs. It can also provide reasonable additional accommodation and travelling expenses incurred as a result of your accident or illness.
- Repatriation – This lets you return to the UK for necessary medical attention or will ensure your body is transported home in the case of death.
- Hospital benefit – If you have to stay in the hospital this provides a daily allowance for incidental expenses.
- Personal accident – This covers you if you sustain a bodily injury which results in death, loss of limb, loss of sight or permanent total disablement.
Finances and Possessions
- Personal liability – This covers damages that you are legally liable to pay in the case of death or bodily injury to a third party.
- Lost documents – If you lose your passport or other important documents, you are covered for the expenses of any documents you need to get home.
- Baggage Loss – This protects you against lost or stolen baggage.
- Theft – Provides financial support if your belongings are stolen during your travels.
- Personal property and money – Provides cover for personal possessions that are lost, stolen or damaged. There will usually be exclusions and a single article limit and sub-limit for valuables.
Depending on your selected provider, you may also have the option to add extras to your policy, like gadget cover, cruise protection, and winter sports cover. It’s always important to check your policy limits to make sure you have sufficient protection for your health and your belongings.
Can I get 90-day travel insurance if I’m over 65?
Yes of course. Although some travel insurers have an upper age limit on their policies, your age should not be a barrier to your travel adventures. When you compare with us, we take your age into consideration and will only match you to insurers who sell insurance for over 65s.
As you’ll probably already know, age can affect your insurance costs as older people are more likely to make a claim. This makes it even more important to shop around and get the best price. And if you have pre-existing medical conditions that you need covered you can choose from a range of UK insurers who specialise in medical travel cover.
Can I get 90-day travel insurance for Europe?
Yes, when you are comparing backpacker or 90 day insurance, you will be given options for your travel destinations that include Europe. This is a great option for backpacking or interrailing. And if you are travelling Europe you might want to check out our European Pickpocketing Index to find out which European holiday destination ranked the highest for pickpocketing.
Does 90-day travel Insurance cover multiple destinations?
Yes, when you are comparing backpacker or 90 day insurance, you will be given options for your travel destinations that include Europe. This is a great option for backpacking or interrailing. And if you are travelling Europe you might want to check out our European Pickpocketing Index to find out which European holiday destination ranked the highest for pickpocketing.
Tips & Advice
Frequently Asked Question
What kind of pets will I be caring for?
It varies! Most sits involve dogs or cats, but you may also find birds, rabbits, or other small animals. Each listing includes details about the pets, their routines, and what kind of care they need.
Can I choose where I want to sit?
Absolutely. You can filter opportunities by location, dates, and type of pet. Whether you want a countryside retreat or a city break, there’s something for every lifestyle.
How does Quays make sure sits are safe and genuine?
Every homeowner and sitter goes through ID verification and profile screening. You can also read transparent reviews from past stays, so you know exactly who you’re connecting with.
What support does Quays provide during a sit?
Our friendly UK-based support team is available 24/7. Whether you have a question, need help verifying a listing, or face an emergency, we’re always just a message away.
Can I bring a partner or friend with me on a sit?
In most cases, yes, as long as the homeowner agrees. You’ll see whether extra guests are allowed on each listing, and you can discuss it before confirming the sit.
Are Quays sitters verified?
Yes. Every sitter on Quays completes an identity verification process and is encouraged to build transparent profiles with photos, references, and reviews from past stays.
How do I know my pets and home will be safe?
Safety is at the heart of Quays. All sitters are reviewed and vetted, and you can arrange a meet-and-greet or video call before confirming your booking. You’ll also have 24/7 support throughout the stay.
Do I have to pay my sitter?
No. Sitters stay in your home for free in exchange for caring for your pets. It’s a meaningful, mutual exchange, you save on expensive boarding or kennels, and they enjoy a comfortable stay.
What kind of pets can I list on Quays?
You can list any pets, from dogs and cats to smaller animals or even farm pets. Just be sure to include details about their routines, personality, and any special care needs.
Can I choose who stays in my home?
You can list any pets, from dogs and cats to smaller animals or even farm pets. Just be sure to include details about their routines, personality, and any special care needs.