Long-stay travel insurance should include cover for: Emergency medical treatment Repatriation Cancellation and curtailment Baggage claims Cash Legal protection You might be able to add on cover for adventurous activities, watersports, a cruise or a business trip. There’ll be exclusions on your policy. For example, you might not be able to get cover for destinations the Foreign and Commonwealth Office (FCO) has advised against and claims might be rejected if your claim’s the result of taking illegal drugs or being drunk.