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Cheap 90 Day Travel Insurance

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90 Day Travel Insurance

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.

Compare 30 experienced UK travel insurance providers in minutes with Quotezone.co.uk.

What our experts say:

“There’s a reason three quarters of British travellers take out a travel insurance policy before they set off. While the risk of an accident, illness or other issue while you’re abroad isn’t likely to be the first thing that comes to mind when you’re planning your trip, the truth is that things can go wrong no matter where you are.” – Greg Wilson, Founder of Quotezone.co.uk.


90 day Travel Insurance UK

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

Cheap 90 day Travel Insurance 

Considering the expenses you’ll already be paying out for your travel plans, it’s natural that you’ll want to find cheap 90 day travel 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. 

At quotezone.co.uk, you can get fast quotes from trusted UK insurance providers with just one simple form. 

How much does 90 day travel insurance cost?

The cost of 90 day travel 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:

  1. 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. 
  2. 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.
  3. The duration of your trip – Naturally, longer stays often result in higher premiums.
  4. Your destination -The specific countries you plan to visit impact the risks you are exposed to and, consequently, your premium.
  5. 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. 
  6. Planned activities – If you intend to engage in high risk activities, like water sports or excursions, you could need additional coverage.

What is covered under 90 day travel insurance?

A 90 day travel insurance policy has all the coverage of other travel insurance 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. 

90 day travel insurance UK can provide protection for:

Travel Issues

  1. Cancellation – This covers any expenses that you cannot get back if the trip is cancelled for any reason listed on your policy. 
  2. 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.  
  3. Delayed baggage – If your luggage is delayed for more than 12 hours you are covered for necessities like clothing and toiletries.
  4. 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
  5. 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

  1. 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.
  2. 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. 
  3. Hospital benefit – If you have to stay in the hospital this provides a daily allowance for incidental expenses.
  4. 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

  1. Personal liability – This covers damages that you are legally liable to pay in the case of death or bodily injury to a third party.
  2. 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.
  3. Baggage Loss – This protects you against lost or stolen baggage.
  4. Theft – Provides financial support if your belongings are stolen during your travels.
  5. 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 for over 65s?

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 90 day travel insurance for over 65s. 

As you’ll probably already know, age can affect your travel insurance costs as older people are more likely to make claims on their travel insurance. 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.

Can I travel to multiple destinations with 90 day travel insurance cover?

Yes if your extended journey involves visiting multiple countries, you can still get cover for all of these under a 90 days travel insurance UK policy. 

Destination options include:

  • United Kingdom
  • Europe
  • Worldwide
  • Worldwide, excluding USA, Caribbean and Mexico
  • Australia or New Zealand

These options offer a lot of flexibility to travel through multiple countries and even continents on one policy.

It’s important to take out travel insurance at the time you are organising your trip, no matter how far in advance so you can be covered straight away and enjoy every part of your travels with complete peace of mind.