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Complete guide to getting travel insurance for long term travelers

Most people take a few weeks or a few months off for their holidays. However, some people are avid travelers and plan long-term vacations, visits, or trips. In this case, they need to buy an international travel insurance policy that covers them throughout the journey and allows them to be flexible during their trip. For this reason, a long-stay travel insurance policy is ideal for long-term travelers.

What Is Long Stay Travel Insurance? 

Long stay travel insurance is a policy designed to cover you if you will be traveling long-term— usually up to one or two years. Buying a single trip or multiple trip travel insurance policy is not suitable for trips over 30 days if you want the same insurance policy to cover you. So, It’s important to have valid long-stay travel insurance when you are traveling for a longer time. 

When it comes to long stay travel insurance, age is an important factor. For example, some insurance companies tend to sell shorter policies the older you are: 

  • 366 days if you’re under 65 years of age
  • 90 days if you’re between 65 and 79
  • 31 days if you’re over 80

However, age restrictions for long-stay travel insurance depend on the provider— some insurance companies may have no limits. If you are older than 80, then instead of long stay travel insurance, which is cut short for you, you might consider buying specific travel insurance tailored to seniors over 80. 

To compare plans and find out which long stay travel insurance policy suits your needs, you can get a free quote at Insubuy.

Do I Need Long Stay Travel Insurance?

You need long-stay travel insurance if you will be traveling for longer than 30 days. For example, if you will be going on the following trips that tend to take up 12 or 18 months:  

  • Going backpacking. 
  • Going traveling during your gap year. 
  • Going on a long cruise holiday. 
  • Taking an extended vacation to one destination with family or friends. 

Long Stay Travel Insurance Coverage

Long stay travel insurance usually includes the following benefits: 

  • Cover for personal items. Most travel insurance offer coverage for lost, stolen, or damaged items during your trip. You can choose to have your policy cover only your luggage or add your gadgets to the policy.
  • Medical coverage. Medical coverage is very important when it comes to travel insurance. You have to make sure that your long-stay travel policy offers coverage for medical costs. Most policies have a basic medical coverage plan, but you can customize your policy as long as your insurance provider allows you. 
  • Trip delay or cancellation. Trips can be delayed or canceled for various reasons, and you might end up losing the money you put down for your trip if it’s non-refundable. So, to make your trip worry-free, most long-lasting travel insurance offers coverage for trip delays and/or cancellations. However, remember that you don’t need this benefit included in your insurance plan if your trip is refundable.  
  • Personal liability. If you might face legal issues during your trip, your travel insurance covers legal fees and other costs. Usually, you can exclude this benefit from your insurance policy and lower your premium price if you think this is not necessary. 

Depending on the nature of your trip and what activities you plan on doing, you can purchase add-ons to your insurance plan that include the following: 

  • Coverage for accidents during winter sports. 
  • Golf equipment cover. 
  • Cruise cover. 

Your long stay travel insurance usually does not cover the following: 

  • Dental care (except for emergencies in some cases). 
  • Pregnancy. 
  • Pre-existing conditions. 

Long Stay Travel Insurance Cost 

The average price for a long stay insurance policy goes around $40 to $300. The amount you pay for your policy is dependent on which insurance provider you buy from, what benefits you want to be included, and the amount of medical, cancellation, and luggage coverage you want. 

The Difference Between Long Stay and Multi-Trip Travel Insurance

Even though multi-trip and long stay travel insurance policies are very similar, there are notable differences between the two: 

Long stay travel insuranceMulti-trip travel insurance
Covers you for one single trip long-term, i.e., between 12 to 24 months.Covers you short-term only, for up to 30 days.
Covers you for one single trip to different destinations.Covers different trips within the year to several destinations. 
Long-stay insurance is still valid if you return to your home country in the middle of your trip (for a specified period).Multi-trip travel insurance expires after 30 days per trip. 

Can I Get Long Stay Travel Insurance With Pre-existing Condition?

You can still get long-stay travel insurance if you have a pre-existing condition. However, it’s important to keep a few things in mind if you are traveling abroad with medical conditions. 

  • Firstly, make sure your long-stay travel insurance covers pre-existing conditions. But, finding long-stay travel insurance covering your pre-existing conditions can be difficult. So, make sure that your insurance at the least offers a pre-existing condition waiver or cover for acute onset of pre-existing conditions. If you have either of these, your long-stay insurance will cover you for any medical situations that may come up during your trip due to your previous condition or injury. 
  • Secondly, declare your previous medical conditions before purchasing your long-stay travel insurance. Hiding your pre-existing conditions will make it more difficult to get coverage if you seek out medical services due to your prior health state.
  • Finally, try to buy a policy that covers between $2 and $5 million in medical costs. This way, you can enjoy your trip without worrying about your pre-existing conditions. 

Things To Keep in Mind When Planning a Long-Stay Trip 

If you are going to be away from home long-term for your travels, keep in mind the following: 

  • Check with your home insurance. Some home insurance policies have clauses that don’t allow you to leave your home for extended periods. So, check your home insurance policy and call your insurance provider to tell them that you will be going on your trip. 
  • Get your EHIC card. If you are an EU citizen and traveling around Europe, make sure you have a valid EHIC card. This card will allow you to get treatment in any EU country for your medical issues. Don’t forget— your EHIC is not a replacement for travel insurance. 
  • Don’t overinsure. When buying your long-lasting travel insurance, don’t buy a high premium that covers everything— including benefits you don’t need. For example, if your trip is refundable, then don’t buy a cancellation cover. 
  • Plan ahead. Before you leave for your trip map out your travel route, destinations, and duration for each visit. Make sure you provide your friends and family members with a copy of your itinerary and how they can contact you in case of emergencies.  
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