Guide to Long-Term Travel Insurance

Shawn Plummer

CEO, The Annuity Expert

Travel insurance is essential for any trip, especially if you plan on staying abroad for an extended period. It provides protection and peace of mind if something goes wrong while away from home. However, with so many different types of travel insurance available, it can be overwhelming to decide which one is best for you. In this guide, we will explore the topic of long-term travel insurance and everything you need to know to make an informed decision.

Confused About Travel Insurance?

Need clarity on travel insurance? Discover the essentials in our Learning Lab. Your safe journey starts here.

What is long-term travel insurance?

Long-term travel insurance is a policy that provides coverage for travelers who plan to stay abroad for an extended period. It typically covers medical expenses, emergency medical evacuation, trip cancellation, trip interruption, and other travel-related mishaps. The duration of coverage can range from a few months to a year or more, depending on the policy and the traveler’s needs.

What Is Long-Term Travel Insurance?

Benefits of long-term travel insurance

The benefits of long-term travel insurance are numerous. One of the primary benefits is peace of mind. Travelers who purchase long-term travel insurance can confidently travel, knowing they are covered if anything unexpected happens. Additionally, long-term travel insurance can save travelers money in the long run. If a traveler were to experience medical emergencies or trip interruption, costs could be substantial without insurance coverage, which social security may not cover.

Who needs long-term travel insurance?

Long-term travel insurance is ideal for anyone planning an extended stay abroad, such as students studying abroad, digital nomads, or retirees spending several months in a foreign country. It’s also an excellent option for anyone traveling for business for an extended period.

Coverage options for long-term travel insurance

Long-term travel insurance policies typically offer a range of coverage options, including:

  • Medical expenses: This coverage includes emergency medical treatment, hospitalization, and medical evacuation if necessary.
  • Trip cancellation and interruption: This coverage protects travelers if they need to cancel or cut short their trip due to unforeseen circumstances, such as illness or a family emergency.
  • Personal liability: This coverage protects travelers if they are responsible for injuring someone or damaging someone’s property.
  • Baggage and personal effects: This coverage protects travelers’ belongings if lost, stolen, or damaged during the trip.
Extended Travel Insurance

Factors to consider when choosing long-term travel insurance

When choosing a long-term travel insurance policy, there are several factors to consider:

  • Coverage limits: Make sure the policy covers the specific needs of your trip, including medical expenses, trip cancellation, and personal liability.
  • Duration of coverage: Choose a policy that covers the entire duration of your trip, including any planned extensions.
  • Deductible: Consider the deductible amount or the amount you must pay out of pocket before the insurance coverage kicks in.
  • Exclusions: Understand the policy’s exclusions or the circumstances under which the policy will not provide coverage.
  • The insurance company’s reputation: Choose a reputable company with a track record of excellent customer service and quick claims processing.

Tips for purchasing long-term travel insurance

Here are some tips to keep in mind when purchasing long-term travel insurance:

  • Start your search early: Give yourself ample time to research policies and compare prices.
  • Read the fine print: Carefully review the policy to understand what is and isn’t covered and any restrictions or exclusions.
  • Ask questions: Don’t be afraid to ask questions and clarify any confusing language or terms.
  • Compare policies: Compare policies from multiple insurance providers to find the best coverage for your needs and budget.
  • Consider add-ons: Some policies offer additional coverage for specific needs, such as adventure sports or high-value items. Consider whether these add-ons are necessary for your trip.
  • Check your existing coverage: Check your insurance policies, such as health or homeowners insurance, to see if they provide any coverage for international travel.
  • Purchase directly from the insurance company: To avoid potential fraud, purchase your policy directly from the insurance company rather than through a third-party website or travel agency.

Next Steps

Long-term travel insurance is crucial for anyone planning an extended stay abroad. It provides protection and peace of mind in case of unexpected mishaps, including medical emergencies, trip cancellations, and personal liability. When choosing a policy, it’s essential to consider factors such as coverage options, duration of coverage, and deductibles, as well as to purchase from a reputable insurance provider. By taking the time to research and compare policies, you can find the best long-term travel insurance for your needs and travel with confidence.

Insurance For Long Term Travel

Request A Quote

Need help to find the best plan for your upcoming trip? No worries. Contact us below for a free quote.

The Annuity Expert – Travel Medical Insurance Inquiry

Frequently Asked Questions

How long can you get travel insurance for?

Generally, a policy will cover you for up to one year; yet this depends on the particular policy. The length of your visit is among the primary considerations when calculating a premium rate. Other elements considered include the overall cost of your journey and each traveler’s age.

What is usually covered by travel insurance?

When you purchase travel insurance, what is included in the plan? Generally, it offers numerous trip protections to make your journey as secure and enjoyable as possible. For example, coverages may include protection from accidental death or dismemberment, baggage delays/losses, medical emergencies/evacuation plans, and cancellation of trips due to unforeseen circumstances – among other essential safety measures.

What is long-term travel?

The definition of long-term travel is entirely subjective – some may view it as traveling for 3 or 6 months, while others consider 1-2 years to be a sufficient period.

Can you get travel insurance for a six-month trip?

Long-term travel insurance is imperative when planning a lengthy holiday spanning over three months. On the other hand, if your vacation plans involve numerous trips throughout one year, then annual travel insurance provides the ideal coverage for each trip—so long as none exceed 90 days. If you’ll be away from home longer than this period, investing in a dedicated policy to accommodate extended expeditions is essential.

*Disclosure: Some of the links in this guide may be affiliate links. I may receive a commission at no cost to you if you purchase a policy. It helps us keep the lights on!

Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

Scroll to Top