Longstay and Backpacker

RMCI have teamed up with P J Hayman & Company Limited to bring you Longstay and Backpacker. An essential policy for those taking extended trips such as a gap year or round the world trip.


Travellers taking extended trips abroad of up to 18 months.


Three levels of cover to choose from –

‘Backpacker’ provides cover for cancellation/ curtailment, personal possessions, emergency medical expenses, personal liability and accidental death & disability benefit.

‘Longstay’ provides higher limits and additional cover for gadgets, departure delay, missed departure, possessions delayed in transit, personal money & travel documents and legal advice & expenses.

‘Longstay Plus’ provides the same benefits as Longstay with enhanced cover limits.

Return home at no extra charge! – for those wishing to break their trip midway, the insured can return home, say, at Christmas or Easter. The policy provides cover for up to two trips home (maximum 21 days per trip) during the policy period.

Automatic ‘Stop-Over’ cover – cover is automatically provided for ‘stop-overs’ of up to 7 days maximum in a higher rated area e.g. travelling to New Zealand via the USA.

Gadget Cover (Longstay & Longstay Plus policies only) – cover is provided for theft; accidental damage (including liquid damage); loss; breakdown and unauthorised call/data use for your gadgets including: handheld consumer electronic devices such as mobile phones, tablets, I-pads, Kindles, satnavs, cameras, lenses, camcorders, smart watches, smart glasses, head mounted displays, hand held games consoles, portable DVD players, headphones, wireless speakers, MP3 players and I-pods – but not laptop computers, purchased as new or in the case of refurbished items purchased directly from the manufacturer by you in the UK or the Channel Islands; that is no more than 48 months old at the start date of your trip.

Free sports & activities cover – a wide range of activities are included free of charge under Backpacker, Longstay and Longstay Plus with Activity Pack 1. Other activities may be covered under Activity Packs 2, 3 or 4 on payment of an additional premium. Please refer to the Activities Guide for further details.

Excess waiver option – for a single additional premium the standard claims excess can be deleted. Note: the excess would still apply for Gadget cover and where any additional excess has been imposed following a call to Travel Administration Facilities to declare a medical condition.

24 hour medical emergency assistance – a 24 hours a day, 7 days a week, 365 days a year helpline is provided for assistance in the event of a medical emergency abroad.


Available to residents of the UK, the Channel Islands or for British Forces Posted Overseas (BFPO) who have not spent more than 6 months abroad in the last 12 months.


Longstay & Longstay Plus – From age 16* or up to age 75 if travelling to European, Australian and New Zealand destinations. Up to age 69 if travelling to Worldwide destinations.

Backpacker – From age 16* or up to age 39.*when travelling independently from an insured adult.Note: ages are on the date you purchase your policy.


Periods from 1 month up to a maximum trip duration of 18 months.


This policy may not provide cover for re-occurring or existing medical conditions; however some cover may be available by contacting Travel Administration Facilities. See page 2 of the Insurance Policy for further details.


Gadget cover – arranged by Bastion Insurance Services Ltd and underwritten by UK General Insurance Limited on behalf of Great Lakes Insurance SE.
All other sections of cover are insured by Union Reiseversicherung AG, UK and administered by Travel Insurance Facilities plc.

Why use RMCI

  • London Market insurance broking
  • Specialist A&H Affinity broker
  • Project Manager
  • Production innovation
  • Product launch and delivery
> Read More


Longstay and Backpacker