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June 1, 2020

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Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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• Travel Insurance

https://money.com\/best-long-term-travel-insurance/

Best Long-Term Travel Insurance

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• “Cancel For Any Reason” (CFAR) availability 
• Includes trip cancellation, baggage delay/loss, and flight delays
• Emergency medical expenses coverage are included in the coverage
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• Same Price as Purchasing Directly from the Providers
• Trip Cancellation, Medical & Cancel for Any Reason Policies
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• Coverage for trip cancellations, delays, medical emergencies, and more
• Group travel products available 
• Top-rated cruise insurance plans, adventure travel insurance and International Student Insurance available   

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• Domestic, Road Trips & Weekend Travel Coverage 
• Coverage for International Trips
• Cruises, Family Travel, Seniors
• 24/7 Emergency Assistance

Emergency Medical Evacuation & Repatriation

• Trip Cancellation & Interruption
• Lost, Stolen, Damaged, or Delayed Baggage
• Travel Accident Insurance

Over 190 years of experience – Travel Smarter™  with Generali Group

• Enjoy quick resolutions with your own global 24/7 travel assistance team
• Coverage for all types of trips: domestic, international, cruises, vacation rentals, and more
• Covid-19 illness coverage including lodging
• Up to $250,000 in medical coverage and $1 million in evacuation  

Travel insurance offers financial protection from sudden expenses that can arise during vacations or business trips. However, most insurers offer coverage for trips of up to 30 days. If you're planning a long trip or want to live abroad as a digital nomad, you may want to look into a long-term travel insurance policy, which we define as any policy covering trips more than 90 days in length.

We reviewed dozens of options to find the best long-term travel insurance providers. Read on to find out a travel insurance plan that matches your long-term trip needs.

Our Top Picks for Best Long-Term Travel Insurance

• Allianz Travel Insurance - Best Long-Term Travel Insurance for Families
• Faye Travel Insurance - Best Long-Term International Travel Insurance
• IMG - Best Long-Term Travel Insurance for Seniors
• World Nomads Travel Insurance - Best Long-Term Travel Insurance for Adventurous Travelers
• USI Affinity Travel Insurance Services - Best Long-Term Medical Coverage for Travelers

Best Long-Term Travel Insurance Reviews

Best long-term travel insurance for families: allianz travel insurance.

• Two plans with free coverage for children under 17
• Trip interruption coverage includes family emergencies
• Can purchase coverage for up to 366 consecutive days of travel
• Cancel for any reason add-on reimburses 80% of pre-paid non-refundable cost, a higher percentage than other companies
• Other plans limit trips to 45 days; must purchase higher-tiered plans for long-term coverage
• Travel change reimbursement only available with higher-tiered plans

Why we chose it: Allianz is our choice for the best long-term travel insurance for families because of its competitively priced plans that offer free coverage for children under 17.

Allianz Travel Insurance offers two plans that may be especially helpful for families: OneTrip Prime and OneTrip Premiere. With either plan, children under 17 are covered at no extra cost so long as they’re traveling with a parent or grandparent.

Another benefit for families is Allianz Travel’s policy on trip interruptions caused by family emergencies. So, if you need to abandon your trip to tend to a family member who’s been seriously injured back home, your coverage extends up to the limit outlined in your plan. Similarly, the cost of having your family travel to your destination because you’ve been hospitalized is covered up to your plan limits.

Allianz’s SmartBenefits feature is applicable to both plans, offering the choice of fixed inconvenience payments at a rate of $100 per insured person per day, with no receipts required. Additionally, all of the company’s travel insurance plans include 24-hour customer service through Allianz Global Assistance, as well as concierge services to assist with arranging entertainment, such as booking event tickets and restaurant reservations.

Trips can last up to 180 days with OneTrip Prime. For even longer trips, OneTrip Premier is the ideal option, with coverage of up to 366 days. However, the plans differ significantly in coverage amount maximums per insured person — you can compare the two plans in the table below.

Best Long-Term International Travel Insurance: Faye

• Telemedicine available anytime at no extra charge
• Up to $250,000 for emergency medical expenses on international trips
• Travel cancellation covers up to 100% of nonrefundable trip costs; trip interruption covers up to 150%
• Pre-existing medical conditions automatically covered
• Trip length maximum is 180 days; some companies we evaluated cover longer trips
• Cancel for any reason add-on covers only 75% of trip expenditures, which is less than other companies on our list
• Telemedicine not available in Syria, North Korea, Cuba, Iraq, Iran, Afghanistan, Ukraine, Russia or Yemen

Why we chose it: Faye is our pick for best long-term international travel insurance because its international protection plan covers trips up to 180 days long and provides 24/7 access to doctors via telemedicine appointments.

Faye’s Travel Protection International plan offers plenty of attractive features for U.S. residents traveling abroad. Travel snafus are thoroughly covered, including up to $300 per day in the event of trip delay, plus an extra $200 if your flight is delayed or if you missed your trip connection.

Medical evacuation coverage is also extensive, with up to $500,000 for emergencies and $100,000 for non-emergencies. For medical expenses due to accidents or illness, Faye reimburses up to $250,000. Additionally, pre-existing medical conditions are automatically covered, so long as your plan is purchased within 14 days of your trip.

Moreover, travelers insured by Faye get telemedicine services at no extra cost. Both audio and video consultations are included in the price of your travel insurance plan. If a doctor prescribes you medicine, Faye directs you to the nearest local pharmacy and reimburses you for the expense.

Optional add-ons include vacation rental damage protection (up to $3,000) and adventure/extreme sports protection for risky activities like high-altitude mountain climbing and deep-sea scuba diving.

Best Long-Term Travel Insurance for Seniors: IMG

• No upper age limit
• Coverage maximums of $50,000 to $1,000,000
• Up to 12 months of continuous coverage for single trips
• Pre-existing condition reoccurrence coverage of up to $2,500
• Coverage maximums may be limited depending on age of insured person
• Non-emergency medical evacuation costs extra with multi-trip plan

Why we chose it: IMG’s GlobeHopper Senior plan wins best long-term travel insurance for seniors because it’s designed specifically for travelers ages 65 and up. Its medical coverage is comprehensive and has a high maximum of up to $1,000,000.

The GlobeHopper Senior plan from IMG caters specifically to people aged 65 years or older traveling outside the U.S. To qualify, you must also be eligible for or be actively enrolled in Medicare. There is no maximum age restriction on the GlobeHopper Senior plan.

Single-trip coverage lasts up to 12 months, and you can elect to extend coverage another 12 months. The multi-trip plan offers coverage for several trips of 30 days or less within a one-year period.

GlobeHopper Senior allows you to choose a deductible minimum (between $0 to $2,500) and plan maximum (from $50,000 to $1,000,000). Medical coverage includes around-the-clock access to IMG’s multilingual customer service reps for help coordinating medical services, and there are over 17,000 providers in the company’s network. Covered services include hospitalization, diagnostic procedures, emergency room visits, medical equipment and physician visits. Prescription medications are also covered up to the plan limit.

Coverage maximums for reimbursement of costs incurred due to a sudden recurrence of a pre-existing condition are $2,500 on the single-trip plan and $5,000 on the multi-trip plan. Local ambulance expenses are covered up to $5,000 by the former and 100% (with no cap) by the latter.

Additionally, coverage for medical evacuations is $250,000 for emergencies and $25,000 for non-emergencies. However, non-emergency medical evacuation is included only in the single-trip GlobeHopper plan. For coverage with a multi-trip GlobeHopper plan, you’ll need to purchase the corresponding rider.

Best Long-Term Travel Insurance for Adventurous Travelers: World Nomads

• Explorer plan covers high-risk sports and activities
• Up to 180 days of continuous coverage
• You can buy coverage while already traveling
• Emergency medical assistance available 24/7
• No customization beyond trip length
• No family plans

Why we chose it: World Nomads is our choice for best long-term travel insurance for adventurous travelers because its Explorer Plan covers more than 150 activities and sports, including rock climbing, rafting, scuba diving, surfing and bungee jumping.

World Nomads’ Explorer Plan makes long-term travel insurance possible for people who participate in high-risk activities, such as skydiving or windsurfing, while traveling abroad. The company has dedicated posts with information about many of these activities and how coverage works.

Unlike with many travel insurance options, you can purchase a plan from World Nomads even if your trip has already started. However, there is a waiting period of 24 to 48 hours before coverage takes effect.

Emergency assistance is available 24/7 through the Explorer Plan. The coverage maximum is $100,000 for emergency accidents or expenses incurred because of sickness and $750 for dental. Evacuation in case of an emergency is covered up to $500,000.

Lost baggage is covered up to $3,000 or $1,500 per article. Costs paid due to baggage delays are capped at $750 total or $150 per day.

However, there are a few drawbacks to consider. Firstly, World Nomads doesn’t offer any plans designed for families, so you must purchase an individual policy for each family member. Secondly, you can only choose from two available plans: Standard or Explorer.

Lastly, aside from choosing the plan and length of coverage, you cannot customize your travel insurance plan. This means you may end up paying for features you don’t need.

Best Long-Term Medical Coverage for Travelers: USI Affinity Travel Insurance Services

• Two customizable international medical insurance plans available
• Plan pricing starts at $1 per day
• You can purchase coverage while already traveling
• Deductible options as low as $0
• WorldMed plan is only available for travelers up to 64 years old
• Hazardous activities add-on costs an additional 20% of your premium

Why we chose it: USI Affinity Travel Insurance Services earns the title of best long-term medical coverage for international travelers because its customizable plans allow travelers to select a lower-cost medical insurance option or pay more for higher coverage maximums.

USI Affinity Travel Insurance Services offers medical insurance for people traveling abroad for any purpose, including business and education. There are two plan options: InterMedical Insurance and WorldMed Insurance. Both plans allow for trip lengths from five to 364 days.

InterMedical is USI Affinity Travel Insurance Service’s lower-cost plan, while WorldMed is slightly more expensive and offers additional features. Both plans include World Wide Assistance Services for help with translation services, medical referrals and other traveler needs. However, in terms of coverage, the plans differ greatly. See our table below to compare the two plans.

In addition to medical insurance, Travel Insure also includes standard travel insurance features. Checked baggage loss coverage is $500 at most with InterMed, and up to $1,000 with WorldMed. Reimbursement maximums for costs incurred from trip interruptions are $5,000 (InterMed) and $10,000 (WorldMed).

Note that, unlike with many travel insurance plans, USI Affinity Travel Insurance Services allows you to purchase either plan even if your trip has already started. Coverage may begin as soon as 24 hours after you enroll.

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Other long-term travel insurance companies we considered

Many of the dozens of long-term travel insurance companies we evaluated weren’t included in our top picks. Below you’ll find short reviews, including pros and cons, of companies that didn’t make the cut.

• Offers coverage for two children under 10 at no additional charge
• Lets you buy insurance while already abroad
• Offers insurance for remote teams of employees
• Costs nearly double if you include U.S. travel coverage
• Must sign up for an account to see personalized plan pricing
• No coverage for adults over 69 years old

SafetyWing’s Nomad Insurance offers international medical and travel insurance designed for digital nomads and remote teams. It has some nice features, including coverage for two children under 10 at no additional price. Plans start at $48.08 a month for up to $250,000 in medical coverage.

Why SafetyWing didn’t make the cut: You can’t choose your deductible amount; SafetyWing only offers a $250 option.

• Offers 24/7 medical support from doctors, including chat via mobile app
• Free assistance calls through mobile app
• All plans include adventure sports coverage
• Only offers single-trip insurance
• No coverage for people over 68 years old
• Limited customization options

Much of Heymondo’s appeal is in its easy-to-use mobile app, through which you can file a claim, chat with a doctor or make a free international call for assistance. Coverage maximums include $3,000 for luggage theft or damage, up to $10,000 for trip cancellation and $200,000 for medical expenses. Certain benefits many travel insurance companies offer as add-ons, such as adventure sports and electronic equipment coverage, are included in all plans.

Why Heymondo didn’t make the cut: Heymondo doesn’t offer coverage for individuals over 68 years old, and the company doesn’t offer any multi-trip plans either.

GeoBlue Travel Insurance

• 24/7 telemedicine support
• Helps with medical appointment scheduling
• Offers multi-trip and long-term plans for frequent travelers
• Doesn't cover unexpected expenses related to trip delays or cancellations
• Deductibles apply to some medical claims

GeoBlue offers strong international medical insurance with some basic coverage for travel snafus, such as baggage delays. However, it lacks coverage for unexpected expenses related to trip delays or cancellations, which means you may need to pair it with standalone travel insurance policies to feel fully secure.

Why GeoBlue didn’t make the cut: Other long-term travel insurance companies we evaluated offer more comprehensive coverage for traveling abroad.

Long-Term Travel Insurance Guide

Shopping for long-term travel insurance can be complicated given how many factors there are to consider. This guide takes a closer look at that process to help you make a more informed decision.

What is long-term travel insurance?

Long-term travel insurance is much like typical travel insurance in terms of coverage, as it includes items such as medical expenses and lost baggage. However, long-term travel coverage is designed for trips lasting more than several weeks. Some plans cover trips up to 90 days long, while others offer year-long coverage.

The specific types of coverage that you get from long-term travel insurance can vary based on the plan you choose. Some benefits may include:

• Medical expense coverage
• Emergency evacuation
• Repatriation of remains
• Prescription drug coverage
• Reimbursement of pre-paid costs, plus additional funds for trip cancellations and delays
• Reimbursement for lost baggage or expenses incurred from baggage delays

We also have a guide — What is Travel Insurance? — if you’re looking for more details about how travel insurance works in general. You can also review our explainer on what travel insurance covers to learn more.

How does long-term travel insurance work?

Long-term travel insurance works similarly to other types of insurance in that you pay a premium in advance for insurance coverage. If a covered event occurs during the dates of your scheduled trip, your provider will cover those costs per the terms of your contract.

However, there are several types of long-term travel insurance. The type of plan you choose can alter the coverage terms available to you.

For example, you can buy an annual travel insurance plan, which allows for an unlimited number of domestic and international trips throughout the year without losing coverage. Some providers restrict the number of trips you can take during your travel insurance contract. Others set limits on how long your trip can last.

Like health insurance, international medical insurance for travelers may require you to pay a deductible before coverage kicks in. Additionally, benefits and maximum coverage amounts vary across providers, so it’s important to carefully examine plan features before purchasing coverage.

How to choose a long-term travel insurance provider

When choosing a long-term travel insurance provider, reference these step-by-step instructions to ensure you don’t miss any details.

1. Assess your travel insurance coverage needs

Consider the types of coverage that you want from long-term travel insurance. There are many options available, including coverage for:

• Trip cancellations and interruptions
• Medical expenses incurred during travel
• Baggage delays and lost or stolen personal belongings
• Travel delays
• Cancellations you initiate
• Emergency assistance services, including emergency evacuation coverage
• Coverage for children traveling with you

Once you identify the types of coverage you want, decide on the scope of each coverage option. For example, you may need to decide how long you want coverage for medical expenses or the plan's benefit limits for lost baggage.

If you’re traveling with your children, look for plans that offer free coverage for children under a certain age. If other family members are with you, you may be able to save money with a travel insurance provider that offers a family plan.

2. Research multiple travel insurance companies

Be sure to review several providers to ensure you get the best travel insurance at the best possible price. If you have questions about a plan that aren’t answered through the information available on the travel insurance provider’s website, contact the company by phone, email or chat. A representative can provide the details you need.

3. Thoroughly review coverage details and exclusions

Always check the plan's fine print before enrolling. For example, you should know the maximum benefit amounts for hospital stays and emergency medical situations. You should also know if deductibles or copays are required, so you can estimate your potential out-of-pocket expenses.

Exclusions also matter. For example, if you have coverage for lost baggage, you would probably want to make sure that this includes coverage for lost electronics. Similarly, if you purchase trip cancellation insurance, find out if there are any trip cancellation reasons that would be excluded, such as work-related cancellations.

For some travelers, it will be especially important to research how potential policies treat pre-existing medical conditions. There are travel insurance plans that include coverage so long as you pay for your plan in full within 14 days of your initial trip deposit. Other companies require a pre-existing conditions waiver, which may increase the cost of your plan. Eligibility may also vary based on age and conditions.

4. Check for additional benefits and optional add-ons

Many companies offer add-on options, also known as riders. You may be able to purchase additional coverage for:

• Cancellations for reasons other than those listed in the policy
• Adventure sports
• High-value items (such as expensive cameras or jewelry)
• Missed flight connections
• Pet care while abroad
• Identity theft
• Enhanced rental car coverage

You can typically add these types of optional benefits to a base policy for an additional fee. Fees can vary by provider, which is another reason to shop around before making a final purchasing decision.

5. Choose the travel insurance provider that best suits your needs and budget

Compare quotes from multiple companies by visiting their websites or calling them directly and choose a policy that offers the coverage you need at a reasonable price.

Note that, while some companies allow you to purchase travel insurance once you’re already on your trip, it’s recommended you purchase a plan in advance. Additionally, some travel insurance benefits, such as pre-existing condition coverage, may only be available if you pay your plan in full a set number of days (typically 14) before your scheduled departure.

Read our guide on when to buy travel insurance to learn more about the optimal timeframe to purchase a travel insurance plan.

Long-Term Travel Insurance FAQ

Which travel insurance is the best for long trips, can i buy travel insurance after booking a long-term trip, what is considered long-term travel, how long does travel insurance last, can travel insurance be extended, how we chose the best long-term travel insurance.

While creating this list of the best long-term travel insurance providers, we considered each of the following factors:

• Coverage: We considered the types of travel coverage and maximum coverage amounts each company offered.
• Pricing: We looked at the cost of different long-term travel insurance plans and considered the value they offer in relation to the types of coverage included.
• Support: We evaluated the availability of support services to travelers who need help accessing their policy, filing claims and finding medical support while abroad.
• Customization: We considered the flexibility of different plan options to assess how easy it is for customers to build their ideal plan and only pay for what they need.
• Family options: We also evaluated whether each long-term insurance provider had options that could meet the needs of families under a single policy.

These factors may not be the only ones that matter to you when choosing a long-stay travel insurance plan. If you have other priorities, you may need to conduct further research to make a decision. Companies’ websites are typically a good place to start, but it may also be helpful to call companies directly if you have particular questions.

Summary of Money’s Best Long-Term Travel Insurance

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, long stay travel insurance.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

With long stay travel insurance, your holiday doesn’t have to stop at a fortnight. We can cover trips of up to a whole year, whether you’re planning to travel the world or spend a season on the slopes.

What is long stay insurance and do you need it?

Long stay travel insurance is designed to cover your longer-than-average holiday, whether an extended 3-week stay or an epic round-the-world trip. This type of insurance also covers solo and group trips.

However, long stay travel insurance isn’t the same as annual travel insurance, which covers you for multiple trips during the year, rather than one long trip.

Long stay travel insurance is ideal for travellers who:

• Want to explore multiple countries for longer : Long stay travel insurance is ideal if you’re planning to hop between destinations during your long trip. Whether it’s wandering through the historic streets of European capitals like Paris and Rome , or soaking up the culture in Vietnam and Cambodia , long stay insurance keeps you covered for longer
• Are looking for cover for a range of sports and activities : All of our long stay travel insurance policies include cover for over 100 activities . From snorkelling in tropical Caribbean waters to hiking up Machu Picchu, you’ll be able to tackle any activity knowing you’re covered.

What does InsureandGo’s long stay insurance cover?

What’s covered.

All our long stay insurance policies include:

• Medical emergency expenses.
• Cover for cancellation of your trip.
• Over 100 sports and activities covered (see your policy wording for a full list of activities).
• Personal belongings and baggage cover.
• Personal money, passports and travel documents cover.
• Accommodation cover.
• Legal expenses cover.

Find out about our optional add ons for activities like extreme sports , cruises and golf .

What’s not covered?

There are some situations that travel insurance will not cover. For example:

• Claims for events or reasons which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
• Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
• All our long stay travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go

We will consider all pre-existing medical conditions. Find out more about medical travel insurance .

The excess and amount of cover available varies depending on the level of travel insurance you buy. Check the policy wording to see the full terms and conditions.

Further items and activities can be added to your travel insurance policy , making sure you are covered for your specific needs.

The best long term travel insurance for your holiday

Whether you’re heading on an extended solo trip to a few cities in Europe or a long break with your friends and family, we have a range of travel insurance policies that can cover longer stays:

• Worldwide : This policy is ideal if you’re looking to visit several countries. Just let us know which countries you’ll be visiting and we’ll quote you a price for the whole trip
• Family : Ideal for long stay family holidays. This type of insurance provides the same level of protection for all family members and covers everything from medical expenses to lost baggage and personal liability
• Business travel : Planning on a longer business trip? This type of insurance covers you for essential equipment that is lost, stolen or damaged during your trip. We’ll also cover emergency courier costs so you can get your items quickly
• Sports and activities : We provide cover for over 100 activities as standard, from abseiling to zip lining, with the option to add cover for more extreme sports.
• Golf : Extend your golfing and be covered for all your golf equipment and green fees for your whole trip

Choose a cover level to suit your travel needs

How to book our long stay insurance.

You can book your long stay travel insurance by following just two simple steps:

1. Tell us where you’re going, who you want to cover and some details about your pre-existing medical conditions .

Do this online now or give us a call:

2. Get your quote and your cover

Receive your quote and you can decide to either purchase your insurance policy straight away or save it for later.

“Being able to stay protected during longer trips allows you to travel with flexibility and confidence. Whether you need it for a long work trip or a holiday, long stay travel insurance provides cover for a number of essential risks for up to a year. Whether it’s unforeseen medical emergencies or having to come home early, knowing you’re properly covered allows you to travel and enjoy your trip with confidence.” Lydia Crispin – Travel insurance expert

Long stay insurance with pre-existing medical conditions cover

Regardless of the duration of your trip, we’ll consider any pre-existing medical conditions. However, as with all policies, to be covered for your long stay you must declare any pre-existing condition you’re living with. Even if it’s a minor one. Failing to do so may result in your policy becoming invalid.

We might even be able to include your condition at no extra cost, although this depends on your condition and where you’re travelling to.

Some of the main medical conditions we cover include:

• Heart conditions

To learn more about what conditions are covered leading up to and during your trip, please have a look at our travel insurance for medical conditions page.

Our reviews speak for themselves

Take a look at why thousands of travellers are happy to book with InsureandGo.

Frequently asked questions on long stay travel insurance

Who is long stay travel insurance suitable for.

Long stay travel insurance is suitable for anyone!

Our single trip policies can cover trips of up to a year, and have no upper age limit . So if you’re planning to travel around Southeast Asia on your gap year , volunteering for some charity work abroad, or heading off on a long retirement getaway, you’re in the right place to get a quote.

What is the longest you can get travel insurance for?

Our long stay travel insurance covers you for trips lasting up to 12 months. This type of insurance is ideal for gap years, long cruises, extended family holidays or simply to spend more time exploring a place you love!

Does long stay travel insurance cover several countries?

Yes it can! Just let us know the countries you’ll be travelling through and we’ll quote you a price for the whole trip. To choose the right long stay travel insurance policy for you, get your quote online .

Does long stay travel insurance cover multiple trips?

No, long stay travel insurance does not cover multiple trips, it covers one long trip, and ends when you get back to the UK. If you want cover that will cover multiple trips for a whole year, you’d be better off getting our annual travel insurance instead.

How much does long stay travel insurance cost?

Can i buy long stay travel insurance after booking a trip.

Some travel operators may require you to buy your insurance at the same time as booking your trip. Others are more flexible as long as you obtain your travel insurance before you depart. We recommend buying your travel insurance as close to booking as you can, as you’ll be covered for issues like cancellation or delays straight away.

Does long stay travel insurance cover me while working abroad?

If you’re working with hand tools, then conservation or charity work is included as standard under all our policies. We can insure you for manual labour too, but you would need to add our hazardous activities cover to your policy.

Will I be able to extend long stay travel insurance?

If you decide before you travel that you’d like to stay away longer, don’t worry. You can extend your policy up to 365 days at any point before you leave the UK. If something happens abroad and you can’t return home as planned, such as an illness or injury, we’ll extend your policy for up to 30 days.

Who can buy an InsureandGo long stay insurance policy?

All our long term travel insurance policies are available to UK residents. This means:

• Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
• They must be in the UK at the time of purchase
• All trips must start and end in the UK

Get a quote online or browse our policy documents for more information.

Travel insurance guides

Frequently asked questions.

If you’ve got more questions about how our long stay travel insurance works, or more holiday cancellation insurance queries, have a read through our FAQs .

Travel advice

Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.

Travel insurance reviews

If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.

• Unlimited emergency medical expenses available on Black level policies.
• InsureandGo’s Gold achieved a Which? Best Buy.