Travel Insurance for13 months?

[DPDP]

Hi - new member, first post, be gentle!

Most of the travel insurance sites won't allow you to purchase it for longer than 12 months. I need 13 months - my family and I are going to Canada for a work exchange for a touch over a year and it seems most sites, including the Travel Insurance Direct which seems well recommended here, won't allow it.

I've even asked a rep from CoverMore who said there was no way that they could think of to do it! Surely there must be!

I've found one policy -World Nomads - but it seems a bit suspiciously cheap - benefits may not be all that good? Is anyone aware of any other places I could try? Thanks in advance...

 

[markis10]

It probably comes down to the definition of travel, I suspect most companies would view your situation as a temporary change of domestic residence rather than travel as such.

 

[NM]

Even most annual policies have limits on the duration of each individual trip (60 or 90 days is common). I expect you need to find some other means of providing medical cover etc for a 13 month stay as that is unlikely to qualify as a travel trip under travel insurance policies.

 

[DPDP]

Even most annual policies have limits on the duration of each individual trip (60 or 90 days is common). I expect you need to find some other means of providing medical cover etc for a 13 month stay as that is unlikely to qualify as a travel trip under travel insurance policies.

Thanks for the advice. We won't be travelling all the time, but a little bit on the way (Dec-Jan), and a lot in July and August. Other than that we just need cover for the trip home in Jan 2012. Maybe we just need cover for those periods as separate entities, once the Ontarian health cover kicks in (after 3 months, I think).

From memory, a month here and a month there is almost as expensive as a year...

 

[Dave Noble]

Thanks for the advice. We won't be travelling all the time, but a little bit on the way (Dec-Jan), and a lot in July and August. Other than that we just need cover for the trip home in Jan 2012. Maybe we just need cover for those periods as separate entities, once the Ontarian health cover kicks in (after 3 months, I think).

From memory, a month here and a month there is almost as expensive as a year...

If you are a resident there, I would check if there is just medical coverage you can get there as a resident and then buy travel insurance if necessary for trips away from Canada during that time.

 

[DPDP]

If you are a resident there, I would check if there is just medical coverage you can get there as a resident and then buy travel insurance if necessary for trips away from Canada during that time.

Fair enough, but if I'm silly enough to buy a 13-month policy and not need it for some of the time, is that really the company's problem? What I mean is, surely I'm less of an insurance risk than someone who is actually backpacking or whatever for a year? Should it matter if my 'travel' consists of driving to work and short weekend trips by car for the majority of the year?