Unique Features - Long Stay Travel Insurance

Up to 30 DAYS travel allowed outside the AREA OF PURCHASE to anywhere in the world at any time during the period of insurance, but for a MINIMUM period of 12 MONTHS (366 DAYS) purchased. This applies to the areas of EUROPE and AUSTRALASIA only.
Under our ORBIT EXCEL and ORBIT BASIC scheme you are allowed ONE return journey back to UK for up to 28 days. If you have purchased our STUDY ABROAD scheme, you are allowed up to FOUR return journeys back to the UK/EU for up to 28 days each.
DISCOUNT for studying abroad is available as part of a degree course etc., where official confirmation must be produced and is required by Underwriters. Copy documentation can be scanned/emailed to us.
ACTIVITIES, including bungee jumping, white water rafting, scuba diving, are covered as standard as per the listing on the Underwriter’s Policy Wording.
Cover for travellers who have already left the UK, subject to completion of the Underwriter’s DEPARTED document, which can be emailed to you.
Facility to EXTEND your existing Long Stay cover while still travelling overseas, subject to completion of the Underwriter’s EXTENSION document, and having returned back to the UK.
Facility to RENEW your cover ONGOING, provided you intend returning back to the UK before new travel insurance cover is purchased.

Cancellation or Curtailment Charges Up to £2,000 Loss of Deposit: Up to £2,000	Excess: £100 Excess: £100
Medical and Other Expenses Costs due to injury or illness including up to £5,000,000 for medical and emergency dental treatment plus additional transport and accommodation expenses.	Excess: China £200 Worldwide £100
Hospital Confinement Benefit Hospital In-Patient Benefit: Up to £1,000	Excess: Nil
Personal Possessions Loss or damage of luggage/personal effects up to £750, including Suitcases, trunks and containers of a similar nature, plus articles worn or carried subject to the following limits: Up to £150 any single article Up to £150 in total for valuables	Excess: £100

Cancellation or Curtailment Charges Up to £5,000 Loss of Deposit: Up to £5,000	Excess: £50 Excess: £50
Medical and Other Expenses Costs due to injury or illness including up to £10,000,000 for medical and emergency dental treatment plus additional transport and accommodation expenses.	Excess: China £200 Worldwide £50
Hospital Confinement Benefit Hospital In-Patient Benefit: Up to £1,000	Excess: Nil
Personal Possessions Loss or damage of luggage/personal effects up to £2,000, including Suitcases, trunks and containers of a similar nature, plus articles worn or carried subject to the following limits: Up to £300 any single article Up to £300 in total for valuables	Excess: £50
Personal Accident Death benefit: Up to £5,000. For persons aged under 16, the death benefit is limited to£1,000. Injury compensation: Up to £25,000, for loss of limbs, eyes, or permanent total disablement from engaging in or attending to any kind of profession or occupation.	Excess: Nil
Missed Departure Up to £500	Excess: £50
Personal Money Lost or Stolen: Up to £500 Cash Limit: Up to £100	Excess: £50
Loss of Passport, Tickets, Documents Up to £500	Excess: £50
Personal Liability Up to £2,000,000	Excess: £250
Legal Expenses Up to £10,000	Excess: Nil
Course Fees Up to £5,000	Excess: £50