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Long term travel insurance

Long stay travel insurance can cover you for 12 months or longer, covering you for medical expenses, cancellations and more..

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What travel insurance brands provide long stay policies?

Compare long term travel insurance policies, what does long term travel insurance cover, what are the benefits of this cover, what are some common general exclusions, frequently asked questions.

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What you need to know

  • Long term travel insurance can cover you for at least 12 months, and sometimes up to 2 years.
  • Long term travel insurance covers medical expenses, cancellations, luggage and more.
  • Most brands will allow you to extend your policy while you are away.

Note: This information was last updated August 2023

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Annual travel insurance covers all the same things as a single-trip policy. This includes:

  • Medical expenses including evacuation
  • Family emergencies
  • Cancellation fees and lost deposits.
  • Luggage and personal belongings, including luggage delays
  • Travel delay.
  • Rental vehicle excess insurance
  • Cruise and ski cover
  • Personal liability ( legal fees and penalties )

Long term travel insurance is ideal if you're living overseas for a while or if you're backpacking. Healthcare is extrememly expensive for foreigners in lots of countries. Plus, airlines have been less reliable since COVID, so it's good to have a safeguard in place.

Gary Ross Hunter

Gary Ross Hunter Finder's insurance and innovations editor

  • 24-hour emergency support
  • Cover additional high-risk activities such as mountain biking, paragliding, rock climbing and skydiving
  • Cover for trip curtailment due to an emergency
  • Cover for valuables like cameras, camping gear, e-readers, laptops, phones and tablets
  • Standard sports and activities covered including bungee jumping, hiking, kayaking, rafting, scuba diving and tubing
  • Unlimited overseas medical expenses

Though no two long term insurance policies are the same, you will generally not have your claim paid if:

  • Your claim results from a pre-existing medical condition for which you are not covered
  • Your claim relates to any elective medical, dental, cosmetic or surgical procedure
  • You fail to take reasonable care to minimise your loss or injury
  • Your claim relates to you committing an unlawful act
  • Your claim relates to psychiatric, nervous, mental or behavioural disorders
  • Your claim relates to physical, mental or emotional exhaustion
  • Your claim is a result of an intentional self-inflicted injury
  • Your claim is a result of the use of alcohol or drugs, except drugs prescribed by a medical practitioner
  • Your claim relates to a sexually transmitted disease
  • Your claim arises as a result of pregnancy or childbirth
  • Your claim relates to riding a motorcycle (certain exceptions may apply depending on your policy)
  • You participate in professional sport or adventure activities
  • You participate in paid work that is not for your usual employer and was not arranged beforehand
  • Your claim relates to an act of war.

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Can i renew my policy overseas.

Yes. Many companies will allow you to renew your insurance cover while you’re overseas. As many backpacker holidays are unplanned — you often don’t know how long you’ll stay in one town, let alone how long you’ll be away for altogether. Luckily, travel insurers have made it easy to extend your trip.

Who can benefit from long term travel insurance?

Anyone who is planning an extended trip (typically anything longer than three months) may be able to benefit from this type of cover. This includes backpackers and also business travellers.

How much will cover cost?

Exactly how much your cover will cost will depend on a range of factors, including your age, where you're travelling, how long you're travelling for and the activities you plan on participating in on your trip.

Can I take out cover if I've already left home?

Yes, it's entirely possible to take out coverage if you've already started your journey. Just make sure to read all the relevant policy documents closely before you sign on the dotted line.

  • ABS: Overseas Arrivals and Departures
  • Travel insurance methodology
  • Travel insurance 2023 Finder Awards

best long term travel insurance australia

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).

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Traveller ready with luggage for the Mozo Experts Choice Travel Insurance Awards (logo).

Whether in 2024 you’re planning a resort holiday in Fiji, voyaging on a cruise , or hopping on a plane to Europe , it’s important to consider packing travel insurance .

But how could you go about finding the best policy? What features and perks could your holiday need, and which providers stand out for amazing coverage? 

That’s where the Mozo Experts Choice Travel Insurance Awards come in. 

Every year, Mozo’s expert judges compare dozens of travel insurance providers to see which ones fly above and beyond in terms of quality and value. Providers offering the best coverage take home a Mozo Experts Choice Travel Insurance^ win. 

“Finding a policy may be a bit daunting, especially when policy features and costs can change depending on where you’re going and what you’re doing,” says Mozo Experts Choice Awards, Judge Peter Marshall. 

“We wanted to examine everything across a range of holidays, head-to-head, to help Australians find the best value cover, and award those providers offering the best travel insurance.”

So without further ado, here are the winners crowned in 2024, along with some of the latest deals for this month highlighted by our editor's – and some expert tips on how you could find the best policy for your trip.

Expert recommendations: Mozo Experts Choice Award-winning best travel insurance policies

Vacation flamingo with Mozo Experts Choice Travel Insurance Awards logo.

Each year, the Mozo Experts Choice Awards recognise travel insurance providers for having the most outstanding performance to suit the needs of different types of travellers. 

Categories include Exceptional Value and Exceptional Quality for various policy types, from comprehensive, multi-trip, cruise, ski, and basic coverage. 

Policies ranked highly for their quality are those that boast the most generous coverage (i.e. comprehensive travel insurance). Policies with great value offer a minimum level of coverage for the lowest price. 

Our expert judges look at many factors when evaluating a travel insurance policy for an award, especially:

  • Price , including any excesses and limits, and how premiums vary based on the holiday.
  • Coverage , including benefits and exclusions.

The insurance company with the most standout wins for both quality and value will receive the prestigious Travel Insurance Company of the Year ^ award.

Judges also compare how well a policy travels for different popular destinations and kinds of trips so we can nail down the best picks for as many types of holidays as possible.

Check out the Mozo Experts Choice Travel Awards^ methodology report for 2024 to see how judges made their choices.

As always, every travel insurance policy will have its terms and conditions laid out in the product disclosure statement (PDS). Be sure to read the PDS properly and thoroughly before signing up!

  • Freely - International Travel Insurance
  • Customisable, flexible coverage through the Freely app
  • 10% off with a Mozo exclusive discount

Why it won:  For those looking for sheer convenience, it’s hard to beat Freely’s all-in-one travel app. Customise this flexible policy by adding or taking away extras and coverage as you need it to suit your holiday. Friends suddenly invite you whitewater rafting? Add adventure sports cover (with conditions). Optional extras include gadgets, snow sports, cruise, motorcycle cover, and more. For a limited time, you could also nab 10% off your policy with the Promo Code “MOZO10” (T&Cs). Freely's travel insurance policies won two Mozo Experts Choice Travel Insurance Awards^ in 2024.

  • Zoom Comprehensive Travel Insurance
  • Unlimited 24/7 emergency assistance
  • Optional extras for car rental or sports activities (T&Cs)

Why it won:  Zoom’s Comprehensive Travel Insurance provides 24/7 emergency assistance to help protect you from unexpected events on your holiday. It also covers you for medical emergencies, trip cancellation, lost luggage, family emergencies and even more. Zoom picked up an award for Exceptional Value Essential Travel Insurance making it a a great choice for travellers looking for a great value package.  Add optional cover for extras such as Rental Vehicle Excess if you are hiring a car or a Sports Activities Pack if you’re feeling adventurous.

  • Travel Insurance Company of the Year - World2Cover
  • Multiple Mozo Experts Choice Awards^ winner in 2024
  • Unlimited emergency, cancellation, and medical cover (T&Cs)

Why it won: World2Cover’s comprehensive Top policy picked up wins for both Exceptional Value and Exceptional Quality Travel Insurance for the second year in a row, making it the obvious candidate for this prestigious crown. With unlimited emergency, cancellation, and medical cover (with conditions), World2Cover makes an extremely competitive choice for travellers hunting the most inclusions for the best value. 

Standout perks include coverage for 38 pre-existing conditions (including migraines and sleep apnea), rental car excesses, and up to $2,000 for overseas dental treatment (all with T&Cs). Plus, many amateur and outdoor sports, like bungee jumping, can be covered at no extra cost (T&Cs).

  • Southern Cross Travel Insurance - International Comprehensive Family
  • Unlimited medical and evacuation cover (T&Cs)
  • Optional extras for snow sports and motorcycle cover (T&Cs)

Why it won:  Whether travelling alone or with your family, this single-trip comprehensive insurance policy aims to please with some great standard features. Unlimited medical and evacuation cover headline the policy, and you have the option to increase cancellation to unlimited (though this will add to your premium). Travelling solo overseas for less than two days? Southern Cross claims your premium could cost less than a meal. Unfortunately, pre-existing conditions aren’t automatically included, but you can apply to have them added with a medical assessment for an additional premium (with conditions). Southern Cross Travel Insurance also won two Mozo Experts Choice Travel Insurance Awards^ in 2024.

  • Travel Insurance Saver - Bare Essentials
  • Unlimited overseas medical coverage (T&Cs)
  • Up to $2,500 emergency cancellation and $2,000 lost luggage and effects coverage (T&Cs)

Why it won: Underwritten by NIB, this impressive essentials policy performed well in terms of Exceptional Value ^.

While limits apply, eligible expenses you could claim under this policy include emergency cancellation, lost luggage , and replacement passport and travel documents coverage (T&Cs).

  • Cover-More - International Comprehensive+
  • Multiple Mozo Experts Choice Award^ winner in 2024
  • On- and pre-trip cover if you’re diagnosed with COVID-19 (T&Cs)

Why it won: This ultra-comprehensive policy impressed judges enough to nab the same two wins in 2023 and 2024 – one for Exceptional Quality and another for Exceptional Quality Annual Multi-Trip. 

With generous coverage for a range of misadventures, including pre and on-trip COVID cover, up to $25,000 for lost or stolen luggage, unlimited overseas medical expenses, and special business trip benefits, Cover-More packs a punch for the holidays (T&Cs). You can also tailor your policy with optional extras like the Cancellations Extensions add-on to extend your coverage.

Editor’s Picks: Top travel insurance policies for March 2024

Jump to our top picks, fast cover - comprehensive policy, australia post comprehensive travel insurance, australia post - comprehensive travel insurance, flight centre - international plus single trip, racv - comprehensive travel insurance.

  • Generous and flexible optional extras
  • 43 pre-existing conditions automatically included (T&Cs)

Editor’s Pick: Looking for a solid all-rounder with amazing medical and COVID-19 benefits? Fast Cover’s comprehensive travel insurance policy makes a compelling option. Customers can select their cover based on region, activities, trip duration, and a host of optional extras like cruise, motorcycle, adventure, and rental vehicle excess insurance to tailor their plans for their holiday needs. Got any pre-existing medical conditions? Fast Cover offers cover for many pre-existing medical conditions, you just need complete a simple medical screening during the application process.

The comprehensive policy includes unlimited medical and cancellation cover, with unlimited medical cover if you’re diagnosed with COVID-19 and a 5,000 limit for cancellation fees if you contract the virus and need to pull out of a leg of your journey. Keep in mind sub-limits, exclusions, and conditions apply, so make sure to read the PDS before signing up.

  • 24/7 emergency support
  • Get a quote in minutes

Editor’s Pick:  If you’re looking for cover from a name you can trust, Australia Post International Comprehensive Travel Insurance covers overseas medical expenses, cancellation costs and more (T&Cs apply). You can also get optional extras like cover for existing medical conditions and winter sports to tailor cover to your needs. Plus, you can also reduce your premium with your choice of excess.

Customer favourites: Best travel insurance from Mozo People’s Choice Awards

Collage of a yellow suitcase against a green and brown beach.

Expert recommendations are amazing, but what do real travellers think is the best insurance? Thankfully, the 2023 Mozo People’s Choice Awards have landed.

Mozo asked 836 of your fellow Australians which travel insurance providers they rate highly across a range of categories, from customer satisfaction and service to trustworthiness, sign-up and claims experiences, and whether they’d recommend them to a friend.

Winners were then given a Mozo People’s Choice Award, making them some of the best providers around (and in the air).

Compare winners from the latest awards below.

  • Five Mozo People’s Choice Awards for 2023
  • Flexible excess

Why it won: Sending yourself overseas? Australia Post has developed a first-class comprehensive international travel insurance policy that took home five Mozo People’s Choice wins in 2023. Aussies rated this provider highly for customer satisfaction and service, as well as easy sign-up experience and Most Recommended. And no wonder: Australia Post reckons you can get a quote in minutes. Tailor your policy by choosing your excess and level of coverage; the comprehensive plan comes with unlimited overseas medical and additional emergency expenses coverage, as well as benefits like money to resume your trip if cancelled for eligible reasons (T&Cs apply).

  • Two Mozo People’s Choice Awards for 2023
  • Automatically included adventure activities (T&Cs)

Why it won: Flight Centre has long been in the plane ticket game, but did you know you can also take out comprehensive international travel insurance through it? With two 2023 Mozo People’s Choice Awards for Sign-up Experience and Most Recommended, there’s plenty to check out before checking your luggage with Flight Centre. The International Plus Single-Trip policy includes unlimited overseas medical and emergency expenses coverage and handy benefits like automatic adventure activities coverage for certain activities and the ability to increase sub-limits for certain belongings and rental car excess (with conditions).

  • Domestic pet cover (T&Cs)

Why it won: Voted both Highly Trusted and Most Recommended at the 2023 Mozo People’s Choice Awards , RACV flies high with this excellent option for comprehensive coverage. Benefits include unlimited overseas medical, emergency expenses, and cancellation covers, plus line items for luggage, travel documents, and even domestic pet cover (conditions and limits apply).

More best travel insurance winners

Rainbow of thongs ready for the Mozo Experts Choice Travel Insurance Award winners.

Here’s the full list of winners for the Mozo Experts Choice Travel Insurance Awards^ for 2024, broken down by category. 

BEST VALUE TRAVEL INSURANCE

If your travel budget is tight, weighing up the value you’re getting in a policy is crucial. This year, Mozo’s expert judges wanted to highlight great value plans to make the comparison process easier.

From medical-only and essentials cover to more comprehensive and annual multi-trip policies, these providers offered a required set of inclusions at the best prices. 

  • Exceptional Medical Only coverage winners simply needed to have unlimited emergency overseas medical cover, including unlimited COVID-19 medical cover. 
  • Essential coverage winners needed to have at least $2,000 coverage per traveller for personal items and $2,500 cancellation coverage, plus unlimited medical coverage. 
  • Comprehensive, ski, cruise, and annual multi-trip coverage winners needed at least $7,500 of luggage cover per person, plus $15,000 cancellation cover per adult. Policies must also have unlimited COVID-19 coverage and at least $2,500 each for additional expenses and cancellations. Multi-trip policies were also assessed for a single traveller jet-setting for 30-day trips in a 12-month period.

Mozo’s expert judges also assessed some providers based on the value they offer vacation activities like snow sports or cruise travel . 

Check out the winners below.

Exceptional Value Medical Only Travel Insurance

These policies were the best value medical-only travel policies, based on the judges’ criteria.

  • Australia Post – Basic policy
  • Southern Cross Travel Insurance – International Medical Only policy

Exceptional Value Essential Travel Insurance

Want a little more coverage, such as lost luggage, on top of medical cover? Our expert judges thought these policies were winners.

  • Freely – International Travel Insurance policy
  • Tick Travel Insurance – Standard policy
  • Travel Insurance Saver – Bare Essentials policy
  • Travel Protect – Explorer policy
  • WAS Insurance – Discovery Ultimate policy
  • Zoom – Standard policy

Exceptional Value Comprehensive Travel Insurance

If you’re after the most coverage for the best value, these comprehensive policies are worth a look!

  • Chubb Australia – Prestige Single Trip policy
  • InsuranceandGo – Gold policy
  • Tick Travel Insurance – Top policy
  • World2Cover – Top policy

Exceptional Value Annual Multi-Trip Travel Insurance

Heading to a few destinations in 2024? These multi-trip policies nabbed best value crowns.

  • ahm – Annual Multi-Trip policy
  • Medibank – Annual Multi-Trip policy
  • NRMA – Comprehensive Annual Multi-Trip policy
  • Qantas – Annual Multi-Trip policy
  • Southern Cross Travel Insurance – Multi-Trip policy

Exceptional Value Cruise Travel Insurance

Cruisin’ should be breezy! Mozo’s expert judges thought these winners earned their best value cruise wins. 

  • AllClear – Gold Plus
  • Chubb Australia – Prestige Single Trip
  • Qantas – International Comprehensive policy
  • World Nomads – Explorer Plan

Exceptional Value Ski Travel Insurance

Hittin’ the slopes? Mozo's expert judges say these policies shouldn’t hit the wallet. 

  • Medibank – Single Trip policy

BEST QUALITY TRAVEL INSURANCE

Some travellers want the best possible insurance, no matter the cost. That’s why Mozo’s expert judges analysed policies with the broadest and most generous cover for the Exceptional Quality travel insurance awards for comprehensive and multi-trip policies.

Exceptional Quality Travel Insurance

  • Cover-More – International Comprehensive+ policy
  • Flight Centre – YourCover Plus policy
  • Kogan – International Plus policy
  • NRMA – Comprehensive Plan policy
  • RAA – Premium policy policy
  • RAC – Comprehensive policy
  • RACQ – Premium policy
  • RACT – Comprehensive policy
  • RACV – Comprehensive policy
  • Webjet – Top policy

Exceptional Quality Annual Multi-Trip Travel Insurance

  • Cover-More – Multi-Trip International Comprehensive+ policy
  • Webjet – Travel Safe Plus policy

What travel insurance do I need?

Collage of a blue suitcase surrounded by pink question marks.

When finding the best travel insurance policy for yourself, it’s important to compare as many different policies as possible. But what if you’re not sure where to start? Let’s break down the tiers and types of travel insurance on offer. 

Travel insurance policies vary based on where you’re going and for how long. For example:

  • Domestic travel insurance can be great if you’re just exploring Australia.
  • International travel insurance can be great for a once-off trip abroad.
  • Multi-trip travel insurance can be great if you’re making more than one trip, locally or abroad (usually within the same year).

Once you’ve picked the kind of travel insurance you’re after, providers will usually offer multiple tiers (or levels) of coverage, such as medical only, essentials, or comprehensive insurance.

You may also be able to get complimentary credit card travel insurance , which comes as a perk of your credit card.

Travel insurance policies can also include optional extras that tailor your coverage for specific holidays, like backpacker travel insurance or senior travel insurance .

Many clues can point to a travel insurance policy ranking among the best – exceptional price, excellent coverage, and a thumbs-up from fellow Aussie travellers . But the best indicator that a policy rocks? It’s the best for you. 

When comparing travel insurance policies, assess them like you’re giving out your own award: the win of your business! Read through the PDS, send for quotes, and ask yourself questions like:

  • Does this policy cover my holiday needs?
  • Is this within a price range I’m happy with? ( Cheap travel insurance has trade-offs). 
  • Would I feel comfortable working with this provider when the worst happens?

If the answer is ‘yes’, you could be on to a winner.

Other considerations are important, too, however, especially the nitty-gritty details. For example:

  • Do you have to meet any terms and conditions before they settle your travel claim ? 
  • Is there an excess to pay? 
  • Are there any other perks, too, like frequent flyer points? 
  • Do you have pre-existing conditions that could impact your coverage? 

Because every situation is different, not every travel insurance policy is the best for everyone. Some people want an affordable price, while others want the most coverage, no matter the price. 

Comparing what’s on offer can help you determine which travel insurances offer you the best value and quality for your holiday.

FAQs about travel insurance

While not mandatory in Australia, travel insurance can be a useful financial tool to have in your back pocket. The right level of coverage could help your finances weather all kinds of unexpected emergencies, from medical treatment to flight cancellations.

Some overseas destinations have made basic travel insurance mandatory for entry at the border (usually to cover the costs associated with treating COVID-19). 

The best travel insurance coverage for you will depend on your needs and holiday. For instance, if you’re a relatively low-risk traveller who can pay for unexpected costs like flight cancellations or lost luggage out-of-pocket, a basic or essentials-only travel insurance policy could suit you. 

However, if you’re looking for the most protection possible, or you’re doing adventurous travel activities like skiing, comprehensive travel insurance might be a better option. Comparing multiple policies can give you an idea of the coverage and value available to your situation.

Travel insurance prices depend on the policy, provider, excess, level of coverage, and destination you choose. Your price may also vary if you’ve included optional extras or expanded your limits for personal items like an expensive smartphone or to cover a pre-existing medical condition. 

Mozo found the average cost for different travel insurance policies ranges from roughly $90 to well over $1,000, depending on the needs of the trip. Most settled between $200 - $400.

Forgetting to buy travel insurance before leaving  can be inconvenient, but there are options. Some policies may not cover trips already in progress: read the product disclosure statement (PDS) and get quotes to see what benefits, costs, and exclusions you could get. 

If you have a credit card, it’s also worthwhile investigating to see if you can get free travel insurance through your credit card company. Many will have activation requirements, like proving you’ve paid a certain amount of travel costs with your card.

Compare international travel insurance policies below.

Compare international travel insurance - last updated 5 March 2024

Freely logo

Mozo experts choice awards won:

  • Exceptional Value Ski Travel Insurance - 2024
  • Exceptional Value Essential Travel Insurance - 2024
  • Exceptional Value Comprehensive Travel Insurance - 2024

International Travel Insurance

Covid medical cover, covid cancellation cover, overseas hospital, cancellation cover.

Get protection in a few simple steps with Freely travel insurance all in the palm of your hand. Freely Travel offers 24/7 emergency and medical support, 24/7 customer service. Plus, you can tailor your policy so you only pay for what you need, and adapt your cover in near real time. Add-ons such as car rental excess, snow sports or other activities also available. Receive 10% off your travel insurance policy with promo code: MOZO10. T&Cs apply, go to site for full detail.

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

To see the Pre-existing Conditions and Activities covered by this policy please visit our detailed page about this product.

Zoom logo

Comprehensive

Enjoy unlimited medical cover and 24/7 emergency assistance services when you travel. Get unlimited cover for cancellation fees and prepaid travel expenses. Cover for luggage and travel documents. $5,000,000 personal liability cover.

Travel Insurance Saver logo

Backed by the NIB, one of Australia’s largest travel insurance providers, Travel Insurance Saver brings you peace of mind on your travels. Compare three tiers of insurance cover, featuring benefits like 24 hour emergency assistance, emergency medical cover, luggage cover, cancellation cover and more.

Southern Cross Travel Insurance logo

  • Exceptional Value Annual Multi-Trip Travel Insurance - 2024

International Comprehensive Single

Enjoy the security of single trip cover on your next holiday with Southern Cross Travel Insurance. Get 24 hour emergency assistance, cover for cancelling or changing your journey before you leave, protection for lost, stolen or damaged goods as well as cover to replace lost or stolen cash, banks or travel documents. Be in to win 1 of 5 $1,000 cash prizes! T&Cs Apply. Offer ends 30 September 2023.

World2Cover logo

  • Exceptional Quality Travel Insurance - 2024
  • Travel Insurance Company of the Year - 2024

Be covered for international overseas and medical expenses. Emergency medical assistance 24 hours/365 days a year. Cover for cancellation fees and lost deposits. Cover for luggage and personal money. Dependents covered free of charge (conditions apply). Limited COVID cover available. Cancellation cover for COVID claims limited to $3,500.

^See information about the Mozo Experts Choice Travel Insurance Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.

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best long term travel insurance australia

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Important information on terms, conditions and sub-limits

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

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Long-Term Travel Insurance

Make the most of your extended trip abroad with long-term travel insurance from Travel Protect.

Travel Protect’s Long-Term Travel Insurance

Are you planning to take an extended trip abroad? Whether you're studying abroad, embarking on a working holiday, or simply taking an extended break to explore the world, it's important to have the right travel insurance in place. At Travel Protect, we offer comprehensive long-term travel insurance policies that can give you peace of mind and can protect you from unexpected events while you're away.

Other trip types

Long-term travel insurance coverage.

Our long-term travel insurance policies can be customised for travellers who will be away for an extended period of time. With coverage options that include emergency medical expenses, trip interruption and cancellation, and lost or stolen luggage, you can rest assured that you can be covered in the event of unforeseen circumstances.

At Travel Protect, we understand that every traveller is unique, and that's why we offer a range of policy options to suit your individual needs. Whether you're travelling solo or with family, for work or pleasure, we can help you find the right long-term travel insurance policy for your trip.

Benefits of Long-Term Travel Insurance

There are many benefits to purchasing long-term travel insurance. In addition to providing coverage for unexpected events, such as illness or injury while you're abroad, our policies also offer 24/7 emergency assistance and support, so you can rest assured that help is always just a phone call away.

With our long-term travel insurance policies, you'll also have access to a range of travel-related benefits, such as trip interruption and cancellation coverage, lost or stolen luggage coverage, and emergency medical evacuation coverage. These benefits can help you to save money and avoid stress in the event of unforeseen circumstances while you're travelling.

Why Choose Travel Protect for Long-Term Travel Insurance?

At Travel Protect, we're dedicated to providing our customers with the best possible travel insurance experience. We offer comprehensive coverage options, competitive pricing, and exceptional customer service to ensure that you can have the protection you need whenever you need it.

With Travel Protect, you can customise your long-term travel insurance policy to suit your individual needs, whether you're travelling alone or with family, for work or pleasure. We also offer a range of convenient online tools, such as our online quote system, to make it easy for you to get the coverage you need.

Get a Quote for Long-Term Travel Insurance Today

Don't leave your extended trip abroad to chance - get comprehensive long-term travel insurance from Travel Protect today. With our range of coverage options, competitive pricing, and exceptional customer service, you can travel with confidence, knowing that you're protected from unexpected events while you're away. Get an online quote today and start planning your next adventure with peace of mind.

  • Explore a Diverse Array of Travel Insurance Plans - Tailor Cover to Fit Your Needs on Our Website Today!
  • Stay Protected with Top-Notch Emergency Assistance Services - Discover How We've Got You Covered on Our Dedicated Emergency Assistance Page .
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  • Unveiling the Fine Print - Explore Our Policy Wording to Unravel the Intricacies of Coverage Terms and Conditions, Ensuring You Make the Most of Your Baggage and Personal Effects Insurance.

*Note that not all benefits apply and will depend on whether you have selected them (and are reflected on your Certificate of Insurance). Terms, conditions, exclusions, limits and sub-limits apply. Please read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for further details.

Reach out today to find a policy that meets your unique travel needs

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Long-Term Travel Insurance

Compare your long-term travel insurance options with Savvy.

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Whether you’re heading overseas for the expansive holiday you’ve been saving up for or moving around Australia for a temporary position, there are many reasons why you might wish to take out a long-term travel insurance policy. You can compare a variety of offers for your months-long trip right here with Savvy.

We’re partnered with trusted Australian insurers who can deliver you the cover you need for an extended period away from home. Finding the right deal for your needs is as simple as comparing your options with Savvy and you can commence the process of getting a quote as soon as today.

What are my long-term travel insurance options?

When it comes to taking out a travel insurance policy to cover a long-term holiday, whether international or domestic, you can access cover for up to or beyond 12 months in some cases. However, it’s important to consider the nature of your travel to ensure you take out the right type of cover. The main options for long-term travel insurance are:

Single-trip travel insurance

A single-trip policy covers you for a single round trip which starts and ends in Australia. This is the most common type of travel insurance taken out and is suitable for those who are only planning one extended trip within a given year. These can cover you for up to 12 months from your start date but must finish in Australia within that period to ensure you’re covered the whole time you’re away.

However, some insurers will enable you to extend your policy by six to 12 months while you’re overseas. This is helpful if you decide to stay longer than your original return date, but this may only apply if you’re travelling within a particular set of countries, such as the US, the UK and Canada with some providers.

One-way travel insurance

As the name suggests, a one-way policy is a type of long-term international travel insurance for those who are leaving the country without a set end date or return flight booked. This is useful for those relocating overseas indefinitely or simply who want to travel without the constraints of bookings which are set in stone, such as insurance for backpackers .

Like single-trip insurance, one-way travel insurance can cover you for up to 12 months with the scope to extend by an additional 12 months. You can also take out a new policy to cover your return to Australia, provided your flights are at least 48 to 72 hours after you purchase the policy.

Annual travel insurance

An annual travel insurance policy isn’t designed to cover a single long-term trip, but rather offers you protection for multiple trips over a 12-month period. Depending on the level of cover and the insurer you go with, your total travelling cover across 365 days can range from as little as 15 days up to as many as 90. If you’re a frequent flyer, it’ll generally be the best and most affordable option for your travel insurance needs.

What will my long-term travel insurance policy cover?

After you’ve determined whether to be covered by single-trip, annual or one-way travel insurance, it’s crucial to decide whether to take out comprehensive or basic cover. While comprehensive is the more expensive option, it offers more in the way of covered events, which may be especially important whilst you’re away from home on a long trip. The key areas which travel insurance covers are:

  • Medical expenses: if you require emergency or general treatment while overseas, your policy can offer unlimited cover. This also extends to ambulance and airlifting costs and medical evacuation and repatriation.
  • Cancellation costs: should you have to cancel part or all of your trip due to a covered event, you can claim any fees on your insurance. This also includes delays and resumption of your holiday (in some cases).
  • Personal items: you’re protected against your items being damaged, lost or stolen, with policies generally allowing you to claim up to around $15,000 or more depending on the nature of the belongings insured.
  • Rental car excess: if your hire car is damaged whilst you’re away from home, you can claim the excess paid to the rental company.
  • Personal liability: should you be found liable for an injury to someone or damage to their property, your comprehensive travel insurance policy can offer financial cover up to $5 million in some cases.

In contrast, basic insurance generally only covers medical costs and personal liability (with cover for your belongings able to be added with some insurers). Many insurers these days will also offer cover for medical and cancellation costs associated with COVID-19, so you can be covered for certain costs should you test positive or become a close contact.

On top of these, you can also add cover for adventure activities such as scuba diving, rock climbing, snowboarding and skiing cover . This will, in most cases, cost you an added premium, but will enable you to make a claim should you suffer an injury on the water or in the snow.

How should I compare long-term travel insurance policies?

When comparing your options with Savvy , there are many factors to bear in mind to help you lock in the best long-term travel insurance policy for your needs. Some of the key areas to consider when comparing travel insurance include:

  • Cost of premiums: while cost isn’t the most important factor to think about, it’s important to not overpay for your policy. Getting insured is about striking the right balance between cost and cover, which is especially important when you’re taking out a long-term policy (which naturally costs more).
  • Inclusions and exclusions: when comparing policies, always make sure that they offer the cover you need for your holiday. Find out if there are any exclusions (such as particular pre-existing conditions) which may affect you before committing to your purchase.
  • Maximum coverage: for any long-term travel, it’s important to ensure you’re covered for the period required. While some policies will max out at 12 months, others will enable you to maintain the same policy for 18 to 24 overall.
  • Countries covered: not all countries will be covered by all insurers, so make sure each stop along your journey qualifies for coverage. It’s also important to bear in mind which countries are eligible for a policy extension, as there may only be a select few available for you to do so if you wish to keep the door open for a longer trip.
  • Optional extras: if you’re planning on travelling to Japan for some skiing or scuba diving along the Great Barrier Reef, it’s worth checking each insurer’s optional extras to see what you’ll be covered for.

Types of travel insurance

International.

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

Reputable insurance partners, fast and convenient online process.

You can complete the quote, comparison and purchase process online through Savvy quickly and easily.

Competitive quote costs

Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.

Frequently asked long-term travel insurance questions

The maximum length a policy can be is 24 months, so if your original policy is 12 months long, you won’t be able to arrange an extension longer than 12 months. If you need to access cover for longer than that period, you’d be required to take out a new policy.

Yes – in most cases, cruise cover can be added as part of your policy, meaning you can take out long-term insurance to afford you protection while you’re out at sea either on an international or domestic cruise. You can compare different policies to learn more about how much cruise travel you can be covered for.

You can – there are specialised family travel insurance policies available which cover two parents and their dependent children. If your children are under 21 and aren’t working full-time, they can usually be included in the policy free of charge. If you’re a single parent or the only one travelling with your kids, you can also add eligible dependents to a single-person policy for free.

Yes – however, some insurers will cap the maximum travel cover for those over 65 at a much lower level, such as only allowing for up to three months compared to 12. If you’re a senior traveller, it’s always worth checking with your insurer to see what the maximum period of cover is.

The Product Disclosure Agreement tells you everything you need to know about your travel insurance policy, most notably what it covers and the conditions attached to them. By familiarising yourself with the PDS, you’ll maximise your chances of avoiding any unwanted surprises if you go to make a claim while travelling in India and find out you aren’t covered.

Yes – however, the cover provided to pregnancy-related events will be capped prior to the birth of your child. In most cases, this will range between 23 and 30 weeks, but some insurers can offer cover up to 36 weeks into gestation. You won’t be able to make any claims relating to your pregnancy after that point, such as expenses stemming from childbirth or childcare.

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Disclaimer: We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

Long Term Two Year Travel Insurance

Are you going overseas to do a two-year working holiday visa? Perhaps you’ve decided to study abroad, or you’re taking a gap year to backpack the world, but 12 months just doesn’t seem long enough. If you’re searching for longer-term travel insurance you're probably finding it tricky! Most standard single trip policies in Australia only provide cover for a maximum of 12 months in duration. But we're here to help you find cover for longer  :)

What Are Your Long Stay Travel Insurance Options?

If you do some research, you’ll find some policies will cover for longer - up to 18 months to two years in duration. There are also a handful of providers that will let you extend for a second year if your first annual policy has not expired. Our table explains where you can find longer stay travel insurance without having to do all the legwork.

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Longer Trips Mean Higher Risks

What long term travel insurance covers, what it doesn't, get quotes for your long trip.

Whether you're heading on a working-travel 2-year break, or just after an adventure and can't wait to escape, it's vital to have insurance to protect you when you travel.  Especially so if it's for a long period of time. No matter if you buy a two-year policy straight up, or decide to extend once you're already overseas, make sure you do thorough research to ensure you  pick the perfect policy  for your upcoming holiday. 

longer cover

Long-Term Travel Insurance FAQs

What are the benefits of having long-term travel insurance for my trip.

Having travel insurance for your trip doesn't just help you get your visa. A comprehensive travel insurance policy offers emergency medical coverage, luggage cover, and benefits if your trip is cancelled or delayed due to reasons like illness, injury, family emergencies and natural disasters .

What travel insurance should I get for my two-year Canada visa?

Generally speaking, you're looking for single trip policies, as opposed to annual policies. Annual policies cover you for a year, but typically for only 15-60 days at a time. So unless you're coming back to Australia every few weeks, single trip policies may work better. As to which brand - this will depend on you and your circumstances. If you're coming back to Australia for Christmas and have your flights booked, you may want to look for two single trip policies, or if you're staying overseas for two full years, the Canada two year visa  may require you to have insurance for the full two years.

What activities are covered by travel insurance?

Planning to go scuba diving, rock climbing, or other adventurous activity on your long-stay holiday? Each policy covers different activities, and some allow you to add on selected activities for an additional premium. For more information, see our adventure activities travel insurance  page.

Can I extend my existing travel insurance?

Most travel insurance policies let you extend your policy either online or over the phone, up to a maximum duration of 12 months from the original start date. However, brands like InsureandGo , Cover-More, iTrek and FastCover  offer some policies which last up to 18 months to 2 years, depending on your destination. 

Contributor Carolina

Carolina Tran

Carolina has been working exclusively in the travel insurance industry for over two years. With a customer consultancy background and currently studying law, she is a fine-print wizard who loves helping travellers find a policy that actually works for them. Speaking two languages and having travelled all over the world, Carolina discovered that she is not cut out for working holidays after a stint on her grandparents’ southern Vietnam farm, and is definitely a lounge-by-the-pool kind of lady.

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Comparetravelinsurance.com.au is Australia’s leading comparison site solely focused on travel insurance.

Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

CoverDirect Pty Ltd owns and operates this website under AFS Licence 383590.  Located at Level 12, 338 Pitt Street, Sydney, NSW 2000 Australia.

For further information view our FSG and Terms of Use . Contact us by calling 1300 659 411.

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Long term travel insurance cover

If you’re preparing for a prolonged travel experience abroad, consider some of the best long-term travel insurance options with WAS.

Travel insurance for long-term holidays

Typically, Australians go on holiday for a couple of weeks at a time. However, some travellers choose to take extended trips that last for months, perhaps backpacking through a continent or finally going for that once-in-a-lifetime adventure. If you’re considering a long-term holiday, bear in mind you may need a special long-term plan for travel insurance to ensure you’re covered for the full trip duration.

Other trip types

Why might i need long-term travel insurance.

Long-term travel insurance is a type of insurance that covers you for an extended period of time, typically for trips that are more than a few weeks or months in length. It is designed to provide financial protection in the event that you need to cancel your trip, encounter unexpected medical expenses, or experience other unforeseen problems while you are travelling.

Logically, the longer you are away from your home country, there is an increased likelihood of something going wrong. That’s why you’d need to let us know if you are planning to be abroad for an extended period of time so we can ensure you’re totally covered for the full duration of your journey around the world.

Opting for a long-term travel insurance policy gives you peace of mind as you embark on your adventure.

What should I consider when needing long-term travel insurance?

We offer a range of plans to suit your unique needs and budgetary requirements. Our long-term travel policies offer extra security when planning your travel experience for up to a year, knowing you’ll be covered if things go wrong. However, there are a few extra things to consider:

  • Plan your itinerary, including destinations and activities, to ensure you get the coverage you need (you’ll need to let us know if you’re planning activities like skiing, for example)
  • Ensure you understand the full conditions of your policy, including any exclusions. At WAS, we want to be as transparent as possible, so you know exactly what’s covered and what isn’t.
  • Bear in mind that an unexpected circumstance can quickly burn through holiday savings, opting for long-term cover can protect you and ensure your travels don’t end abruptly.

What is included in a longer-term travel insurance options?

At WAS, we can cover you for up to one year of travel, offering financial protection against the various mishaps and incidents that can occur while travelling, as well as offering travel assistance for the duration of your trip.

Essentially, it’s the same range of coverage, just for a longer period. Our plans for the duration of your selected coverage can include:

  • Cover for emergency medical and dental costs
  • Cover for winter sports or adventure sports activities
  • Cover for lost, stolen, or damaged luggage
  • Cover for personal liability
  • Cover for trip cancellations or delays

*Note that not all benefits apply and will depend on whether you have selected them (and are reflected on your Certificate of Insurance). Terms, conditions, exclusions, limits and sub-limits apply. Please read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for further details.

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Medical condition, already overseas, annual multi trip, child/children, coronavirus travel costs, covid-19 medical.

An existing medical condition is any medical condition which:

  • chronic; or, 
  • displaying symptoms; or, 
  • under investigation; or, 
  • pending follow-up, consultation, treatment or surgery; or where these are recommended or planned; 
  • or metastatic; 
  • or terminal; or
  • treatment by a medical practitioner; or 
  • medication prescribed; or 

Please refer to  existing medical conditions  that meet the criteria for automatic cover. 

Do you want to complete a medical screening? 

After entering your trip details (Age, Destination, Dates) to get a quote first. Please click on the "Continue" button to be redirected to nib to complete a medical screening. You will need to enter in details such as name & email, the medical screening will be on the following page. 

If you are participating in Snow sports on your trip you need to add this option to be provided cover for snow sports related events. Snow Sports cover is only available on the International Comprehensive, Annual Multi trip and Australian Travel plans.

By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you do not wish to purchase this additional cover.

Snow sports are defined as Snow skiing and snowboarding on and off piste, back country skiing and snowboarding, snowmobiling, tobogganing, cross-country skiing, telemark skiing.

By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you don't want to reduce your excess. Different excess options are available when you "Get a Quote".

Variable excess option. An excess is the amount that is deducted from your claim payout. A standard excess of $250 applies to most claims. By selecting this option, you can reduce your policy excess amount to $0 on some plans. An additional excess may apply to specific medical conditions. This excess cannot be removed.

Cruising is covered as standard. If the cruise only stops in one country, just select that country. If the cruise stops at multiple destinations, add each destination. 

  • If you are travelling to 'New Caledonia', please also add in 'South Pacific Cruise' so cruise is displayed on your Certificate of Insurance. 
  • If the cruise only visits stops within Australia, make sure you select ‘Australian Waters’ option and NOT just Australia.

If you get sick aboard a cruise while traveling under one of our international policies, we can offer overseas medical cover on board, including if you contract Coronavirus during the trip. Make sure you’re following all relevant government and official advice. All policy terms, conditions, limits and exclusions apply, and you should be aware there are things we don’t cover, such as your cruise being cancelled by the provider due to an epidemic or pandemic.

  • Start and end at your home in Australia, and 
  • Be to a destination of at least 200km from your home in Australia, and 
  • Include travel by either pre-paid scheduled public transport or hire car, or include at least one night of pre-booked publicly available accommodation
  • under 25 years of age, and
  • working less than 30 hours per week.

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Long term IEC travel insurance

You may be able to extend your policy up to  12-months travel insurance  from the departure date on the Bare Essentials, Essentials and Comprehensive travel plans as long as the policy hasn't expired.

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IMPORTANT: If you wish to extend your policy, you must extend before the travel insurance policy has expired. Helpful Hint - make a calendar entry a few days before the policy is expiring so the policy does not lapse – Time is based on Australian Eastern Standard time. If your policy lapses/expires you will NOT be able to extend your policy. 

Cover is subject to the policy terms, conditions, limitations, and exclusions set out in the current Combined Financial Services Guide and Product Disclosure Statement (PDS). Make sure you’ve read and understood the (PDS) prior to choosing a travel insurance policy. 

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Insurance Saver Pty Ltd, ABN 18 624 919 366, AR 001263726 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and act as nib's agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.

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4 Best Long-Term Travel Insurance in 2024 (w/ Prices)

Home | Travel | 4 Best Long-Term Travel Insurance in 2024 (w/ Prices)

Planning on taking an extended trip soon? Long-term travel insurance is the perfect choice for travelers who are embarking on a long-term trip and need medical- and travel-related coverage.

Of course, insurance for long-term travel isn’t necessary for every traveler, particularly if you don’t take trips that are longer than three months. However, long-stay travel insurance is useful for anyone who is studying abroad, working abroad temporarily, taking a gap year, or simply traveling for a long period of time.

best long-term travel insurance

When I first moved to the US, I wasn’t sure if I would stay permanently, so I purchased a long-term travel insurance policy from Heymondo , knowing that it would save me money and give me coverage if I experienced any medical emergencies. It was exactly what I needed at the time.

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5% OFF your travel insurance

As soon as I decided to live in the US permanently, I switched to insurance with more medical coverage beyond emergency situations since extended-trip travel insurance is not suitable for expats who want routine medical care.

If extended-stay travel insurance is what you need, keep reading, because we have compared the best long-term travel insurance plans (Heymondo, World Nomads, Travelex, and SafetyWing) and can help you choose which of these is best for your trip.

What is long-term travel insurance?

Long-stay travel insurance coverage comparison

  • Long-stay travel insurance price comparison
  • Best long-term travel insurance companies

Long-term travel insurance is insurance for anyone taking a long-term trip who needs medical expenses and trip-related coverage. Any trip that lasts a minimum of 90 days and a maximum of one or two years (depending on the long stay travel insurance company) is considered a long-term trip.

Italy, insurance for long-term travel

Like other travel insurance, insurance for long-term travel provides medical- and travel-related coverage for incidents like emergency medical care, trip delays, baggage loss, and repatriation. It is not suitable, however, for anyone who is permanently living abroad, especially because it only covers emergency medical expenses and not routine medical care.

Long-term travel insurance vs. annual, multi-trip travel insurance

So, is long-trip travel insurance the same thing as annual, multi-trip travel insurance ? They might sound similar, but actually, insurance for long-term travel and annual travel insurance is completely different.

Bali, extended-trip travel insurance

Long-term travel insurance is insurance for long trips that last three months or more, while annual travel insurance covers multiple shorter trips that happen within one year. With annual travel insurance, trips are restricted to 30-90 days, so it’s not a useful option if your trip will last any longer than that. Annual travel insurance is also only helpful if you’ll be taking at least four or more trips a year.

If you are going on a single, long-term trip or are taking multiple trips within a year that will last longer than 90 days, long-stay travel insurance is the best choice for you.

Who is insurance for long-term travel for?

There are several reasons you might need insurance for long-term travel . You might be taking an extended trip, working abroad, embarking on a gap year, or more. Below are the most common and useful reasons for buying travel insurance for long-term travel :

Extended stay travel insurance for long trips

If you’re about to take a long trip that will last at least three months, you will definitely want to have travel insurance coverage, particularly for emergency medical expenses.

Long-term travel insurance will work out to be the most affordable option for your trip, especially if you don’t plan on returning to your home country before 90 days have elapsed. If you plan on going back home before 90 days have passed, then annual, multi-trip travel insurance might be more helpful for you.

Long stay travel insurance for working abroad

Are you about to be working from another country for an extended but temporary period? Having travel insurance for working overseas is a must, as it’s very possible that you’ll need emergency medical care at some point during your time abroad.

Remember to put your country of residence as your home country, not the country you will be working in temporarily. Otherwise, you will not be covered since long-term travel insurance usually does not provide coverage in your designated country of residence.

Travel insurance for expats

Although it may seem like a great idea to use long-term travel insurance as travel insurance when moving abroad , long-stay travel insurance is not intended for expats. Long-stay travel insurance only covers emergency medical expenses, so it’s not suitable for someone who lives abroad permanently and will need routine medical care and check-ups.

On top of that, whatever country you move to will now be your country of residence. Insurance for long-term travel does not generally provide coverage in your designated country of residence, so you may not be eligible for coverage anyway.

Long-stay travel insurance for students

It’s incredibly exciting to study abroad, but accidents and mishaps can and do happen, so avoid paying for emergency medical expenses and replacing stolen valuables with your own money by getting extended-stay travel insurance .

Having long-term travel insurance coverage will be especially useful if you plan on taking weekend trips to other countries that are close to the country where you are studying abroad; you can still receive the same coverage for those smaller trips (just make sure to select worldwide coverage or, if you’ll just be traveling in Europe, Europe/EU coverage).

Round-the-world trip insurance

Taking a long-term trip around the world is many people’s dream. If you are lucky enough to get to live out that dream, it’s easy to make sure your extended-stay travel insurance worldwide will cover you everywhere you want to visit.

Just make sure you select “worldwide” or “around the world” coverage when you purchase your extended-trip travel insurance . That way, you won’t have to buy individual long-term travel insurance policies for each country you visit. Best of all, you’ll be covered for any spontaneous stops you make while traveling the world.

One-way travel insurance, the best gap year travel insurance

If you’re planning on spending a full year traveling the world, travel insurance for long trips abroad is exactly what you need. You’ll benefit from worldwide emergency medical coverage, so you can receive treatment if you get injured or fall ill, as well as travel-related coverage for baggage loss and trip delays.

I recommend purchasing a one-way travel insurance plan from Heymondo or SafetyWing since both companies allow you to renew your plan from month to month. That way, if you end up coming home unexpectedly early, you won’t lose out on any money.

Insurance for digital nomads

ith so many jobs transitioning to working from home right now, it’s easier than ever to work remotely from anywhere in the world. If you have the opportunity to travel the world while working, take it, but make sure you purchase digital nomad travel insurance before you leave.

You’ll want your insurance coverage to include electronics (laptop, tablet, etc.) so that you can easily replace these crucial pieces of technology for working remotely if they get lost or stolen. Additionally, if you’ll be trying to check a lot of places off your travel bucket list, choose worldwide coverage so that you’ll have the freedom and insurance coverage to go wherever you want.

There can be many considerations to keep in mind when purchasing long-term travel insurance , but coverage is certainly the most important aspect to consider when selecting the long-stay travel insurance you want to buy.

Below, you’ll find a long-stay travel insurance comparison that shows you the differences in coverage among the Heymondo, World Nomads, Travelex, and SafetyWing plans.

Long-term travel insurance price comparison

If you want a better idea of how much long-term travel insurance costs based on the length of your trip and/or the specific coverage you choose, below is a chart comparing the prices of 1-month, 3-month, 6-month, 8-month, and 1-year long-term travel insurance as well as the prices of long-stay travel insurance, annual multi-trip travel insurance, and cancellation insurance.

The price of long-term travel insurance will be impacted by several different factors, including your age, nationality, and state of residence (if you live in the US).

To give you an idea of how much insurance for long-term travel costs, I’ve used the example of a 30-year-old American citizen who lives in Pennsylvania and needs worldwide coverage to generate quotes for this long-stay travel insurance price comparison .

Best long-term travel insurance

As you can see from the charts above, each of the four long-term travel insurance plans I compared has its merits.

Heymondo offers the highest emergency medical expense coverage, plus it’s the only insurance for long-term travel that pays your medical expenses upfront, so you don’t need to file a claim after your trip to get reimbursed. I will say, however, that it’s not the cheapest long-haul travel insurance and it does have a deductible of $100 for emergency medical expenses. Still, I do think it is the best long-term travel medical insurance if you want ease and convenience.

SafetyWing ’s Nomad Insurance also provides very good coverage, but their deductible for emergency medical expenses is $250. In spite of this slight drawback, SafetyWing stands out as the best insurance for digital nomads since you can sign up for a plan and it will automatically be renewed every four weeks.

Prambanan, long-term travel insurance

Travelex , on the other hand, has the cheapest travel insurance for long-term travel (for trips of six months or more). For shorter trips, there are other, cheaper options. Travelex’s plan has no deductible, but its emergency medical coverage is also very limited, so I would think twice before going on a long-term trip with such a small amount of coverage.

Last but not least, World Nomads offers the best gap year travel insurance. The emergency medical expense coverage is perhaps a little low, but it is at least higher than Travelex’s medical coverage. There is no deductible for medical expenses, but you will need to pay out of pocket and then file a claim to get reimbursed if you receive emergency medical treatment.

As you can see, the best long-stay travel insurance for you will depend on your needs and type of trip, so keep reading to learn more about each plan.

1. Heymondo , the best long-term travel medical insurance

Personally, I consider Heymondo the best long-term travel medical insurance since its Top plan provides the highest amount of emergency medical expenses and evacuation and repatriation coverage. It’s also one of the only types of travel insurance with COVID coverage that covers COVID testing required by a doctor. Moreover, you can easily extend your plan by anything from two weeks to eight months whenever you want to.

Heymondo, insurance for long-term travel

Best of all, you won’t have to worry about waiting to get reimbursed for medical expenses since Heymondo pays your medical expenses directly and upfront for you, removing the hassle of the claim-filing process. Heymondo also makes it easy to tailor your insurance for long-term travel to fit your needs since you can add optional electronic and/or adventure sports coverage to your plan.

Heymondo’s Top plan does have its limitations, though. There is a $100 deductible for medical expenses, which means you’ll have to pay $100 towards any medical bills before Heymondo pays the rest for you. This long-stay travel insurance also lacks trip cancellation coverage; you will need to buy that coverage independently here.

If you want cheap long-term travel insurance , Heymondo is ideal; its plans already provide very good value for the money, plus you can save an extra 5% on their insurance with the discount link below.

Heymondo is also the best travel insurance company for single trips. We currently have their travel insurance and have used their assistance app more than once. Heymondo has always been there to help us when things go wrong during our trips.

2. World Nomads , the best gap year travel insurance

If you’re taking a gap year, you’re probably interested in breaking out of your comfort zone and having a real adventure. In that case, World Nomads is the perfect travel insurance for living abroad for a year and trying new things.

World Nomads, extended-stay travel insurance

Its Standard plan includes adventure sports and activities coverage, so you can try everything from trekking and ice fishing to hockey and horseback riding and still be covered for accidents and injuries. Moreover, you’ll benefit from solid overall coverage for emergency medical expenses, evacuation and repatriation, trip cancellation, trip delay, and baggage loss.

Even better, there’s a $0 deductible for medical expenses, so you won’t have to pay a cent out of pocket toward your medical bills. However, World Nomads’ long-term travel insurance is the most expensive out of all the ones I compared, so if you want to save a lot of money and get similar or better coverage, Heymondo may work better for you.

3. Travelex , the best travel insurance for long-term travel

Travelex ’s Travel Select long-trip travel insurance has a lower amount of emergency medical coverage than the other insurance plans I have compared, and I personally wouldn’t feel protected traveling with such a low amount of medical coverage on a long-stay trip. However, Travelex is a viable option if you’re traveling on a budget for more than six months because it’s really cheap (and has a $0 deductible for medical expenses)!

Travelex, long-term travel insurance

Travel-related coverage is another story since Travelex has the highest amount of trip cancellation and trip delay coverage of all the plans I compared. It’s the best plan to choose if you anticipate experiencing any travel mishaps. You’ll also enjoy great baggage loss and evacuation and repatriation coverage.

If you would rather benefit from more medical coverage for a similar price, Heymondo is the best choice for you.

4. SafetyWing , the best insurance for digital nomads

SafetyWing ’s Nomad Insurance lives up to its name by being the best insurance for digital nomads . Not only is Nomad Insurance a cheap long-stay travel insurance , but it also provides a high amount of medical-related and baggage loss coverage.

On top of that, you can choose to have your insurance renew itself automatically every 28 days. Automatic renewal will save you time and money; ensure you don’t forget to renew so you’re always covered; and provide you with more flexibility if you haven’t decided when to end your trip yet. Just select a start date (but not an end date) when you buy Nomad Insurance and keep renewing until you want to go home, at which time you can select an end date.

Safetywing, long-stay travel insurance

Nothing’s perfect, however, and unfortunately, SafetyWing’s Nomad Insurance is no exception. There’s a $250 deductible for medical expenses, which means you’ll have to pay $250 out of pocket for medical treatment before SafetyWing will cover medical expenses for you.

SafetyWing also lacks trip cancellation coverage, which can be very useful if you have to cancel a trip due to weather, illness, injury, or many other reasons. If you want a lower deductible, go with Heymondo instead, and if trip cancellation coverage is important to you, choose World Nomads or Travelex .

What does long-term travel insurance cover?

The best travel insurance for long-term travel will usually include the following types of coverage:

  • Emergency medical expenses : This is probably the most important type of coverage as well as the coverage you are most likely to need while traveling. Accidents, injuries, and illnesses can happen at any time, so having emergency medical expense coverage will ensure that you don’t have to pay out of pocket for hospitalization or medical transportation.
  • Evacuation and repatriation : Hopefully, you’ll never have to use evacuation and repatriation coverage, but it is useful to have. Insurance for long-term travel with evacuation and repatriation coverage will pay for the transportation costs of taking you from a remote area to the nearest hospital or sending you back to your home country if you fall seriously ill or have an accident.
  • Trip delay : Unfortunately, travel does not always go smoothly; your flight could be delayed due to inclement weather or an airline issue. If that does happen, long-stay travel insurance ’s trip delay coverage will cover expenses, such as meals and accommodation, that are incurred because of a several-hour delay.
  • Baggage loss : Even when you take precautions to keep your belongings safe, there’s still a chance an airline could lose or damage your bags, or a pickpocket could take your purse. In any case, long-term travel insurance with baggage loss coverage will reimburse you for any valuables that are lost or damaged, so you won’t have to replace them with your own money.

Is long-term travel insurance worth it?

Ultimately, yes, long-term travel insurance is worth it for extended trips, working abroad temporarily, studying abroad, and taking a gap year. In all of these situations, insurance for long-term travel will ensure that you get the medical- and travel-related coverage you need without having to break the bank.

Zion, long-term travel insurance as travel insurance when moving abroad

As you’ve seen in the long-term travel insurance comparison chart above, Heymondo is the best long-stay travel insurance in terms of medical coverage. It offers the highest amount of emergency medical expense and evacuation and repatriation coverage.

Heymondo’s extended-stay travel insurance also provides the convenient flexibility of being able to renew your policy for periods from two weeks to eight months, which is perfect if you haven’t yet decided when you’ll end your trip. To top it all off, you can even get 5% off their insurance just for being a Capture the Atlas reader.

If you’ll be traveling for more than six months and you’re looking for the cheapest long-stay travel insurance, then Travelex may be better for you. Just be aware of their plan’s lower amount of medical coverage.

If you have any questions about long-term travel insurance, feel free to comment below and I will happily help you out!

best long term travel insurance australia

Ascen Aynat

Comparativa de los mejores seguros de viaje 2020 Covid-19 - Cuándo contratar un seguro de viaje - Seguro de viaje para estudiantes - Seguro de viaje Erasmus

22 replies on “ 4 Best Long-Term Travel Insurance in 2024 (w/ Prices) ”

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Hi Ascen, we are US citizens and plan to spend about 6 months of the year in California and 6 months abroad. We have lived in California and in the past had insurance with our jobs which will now be no more. So the question is when we are are in California what is our insurance option so we can visit doctors, dentists etc. Thank you

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Hi Sonu, you need standard health insurance for California and travel insurance for traveling out of the States. Travel insurance won’t cover routinary medical appointments.

Let me know if you have any questions, Ascen

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Good day. Could I get overlapping coverages to address different issues? Does any of these cover rental car collision insurance during any portion of the stay? If not, what do you recommend for that?

Yes, you can hire different travel insurance to get different coverages. That is no problem.

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Hi my husband was diagnosed with mestatic melonma in 2021, Weve been traveling back and forth to Moffitt overvs year now. Weve paid out over $7000 just in lodging. Do you have a plan for this??

I’m sorry about that but there is no insurance that can cover that. That is not an unforeseen issue that occurred during a trip that is mostly what travel insurance cover.

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Hi There is an age limit on Heymondo 49+ not included. I am 60. Can you recommend any long stay travel insurance for this age group? Thanks Karan

Hi Karan, I recommend checking our article on senior travel insurance for the best options for you.

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Hi! Do you know if you need basic medical coverage from your home country before purchasing any of these insurance plans presented above? My situation is a bit complex. I am a Canadian citizen currently living abroad (non-resident of Canada), therefore I have no basic Canadian health coverage. I am currently covered by the country I reside in (Qatar), however, once I leave, I will no longer have a residency permit and therefore no coverage here either. So when I leave, I won’t have coverage anywhere. I am planning on leaving to travel for a year, so I need long-term travel and medical coverage.

Hi Marisas, please take into account that these long-term travel insurance are travel insurance. That means that they don’t cover routine health checks or chronic diseases. They only cover you under unforeseen problems. For example, if you hire one of these long-term travel insurance and have a car accident during a trip and need surgery, the travel insurance will cover but it won’t cover cancer treatment, for example.

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Hi can you recommend a travel insurance for a 7 month European trip for wife and self age 59 CA residents- many thanks

Please check the coverage for the insurance recommended in this article and choose the one that is best for you.

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Hi Were planning to travel continuously for one year to Europe, Asia & med cruise. Is there a travel insurance that can cover this? Most insurances will require you to go back to your home country (US) after 60 to 90 days. Thanks

Hi Nate, I don’t believe you need to get back to the US with the Heymondo Long-Term Travel Insurance. Have you checked it out?

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Hi Ascen We are a male 57years and female 58 years and we are travelling to south Africa to include Botswana Namibia Mozambique,Angola Zambia and Lesotho, we are shipping our car from Australia into south africa and will be travelling for two years we both hold Australian and UK passports Could you please recommend a medical insurance for this trip , we are not to bothered about trip cancellation baggage etc any help would be appreciated We have used world nomads previously but would consider others as well Thank you ag and rg

Hi Antony, that trip sounds amazing! If you’re doing a long-term trip like that one, I recommend Heymondo since they pay all medical expenses in advance. Just be aware of the 100$ deductible per claim.

Said that their price is very competitive and they have very high coverage.

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Looking for long term insurance for cancel for any reason plus Covid coverage.

I recommend purchasing separately a long term travel insurance with Covid Coverage (I recommend this one ), and a cancel for any reason policy.

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Interesting that this features Travelex and then notes: “Can get similar or better coverage for a more affordable price” From whom?

As you can see in the different comparison charts (coverage comparison chart and price comparison chart), Travelex is the one with the lower coverage, by far, and it’s only worth checking for 6-month insurance or more.

Let me know if you have any questions,

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Hi! Do you know if you need basic medical coverage from your home country before purchasing any of these insurance plans presented above? My situation is a bit complex. I am a Canadian citizen currently living abroad (non-resident of Canada), therefore I have no basic Canadian health coverage. I am currently covered by the country I reside in (Qatar), however, once I leave, I will no longer have a residency permit and therefore no coverage here either. So when I leave, I won’t have coverage anywhere. I am planning on leaving to travel for a year, so I need long-term travel and medical coverage. Thanks!

Hi Melanie, no you don’t need it. You will need just long-term travel insurance and you will be covered wherever you go. Also in your home country as long that you’re traveling there and use the insurance just for emergencies (not regular checks, ongoing problems, chronic diseases, and things like that). In your situation, I think the long-term travel insurance of MONDO is your best bet.

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11 Best Travel Insurance Companies in March 2024

Sean Cudahy

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Italy in April 2024. The traveler was a 35-year-old woman from Illinois who spent $2,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $76.64. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

1. Log into your Rapid Rewards account

2. find your preferred flight, 1. set up a payment plan, 3. compare flight options for your chosen date.

  • Best travel insurance companies

Get a secured credit card

2. apply for a medical credit card, 3. consider other credit options, 4. select, confirm and book your flight of choice, get a credit-builder product or a secured loan, 4. hire a medical bill advocate, 5. see if you qualify for an income-driven hardship plan, use a co-signer, 6. try negotiating costs on your own, become an authorized user, get credit for the bills you pay, summary of medical debt payoff options, things to consider, practice good credit habits, check your credit scores and reports, types of travel insurance, what does travel insurance cover.

  • What's not covered?

How much does it cost?

Do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers.

  • Frequently asked questions

Best travel insurance overall: Berkshire Hathaway Travel Protection

insurance-product-card-logo

Berkshire Hathaway Travel Protection

  • ExactCare Value (basic) plan is among the least expensive we surveyed.
  • Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
  • Company may reimburse claimants faster than average, including possible same-day compensation.
  • Multiple "Trip Delay" coverage types might make claims confusing.
  • Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $56 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers a low-cost option for coverage.

Even cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at no extra cost.

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

insurance-product-card-logo

Annual or single-trip policies are available.

  • Multiple types of insurance available.
  • All plans include access to a 24/7 assistance hotline.
  • More expensive than average.
  • CFAR upgrades are not available.
  • Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $91, about $15 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

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Travel Guard by AIG

  • Offers last-minute coverage.
  • Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
  • Plan available for business travelers.
  • Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
  • Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $75 for our sample trip, the Essential plan was about average.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

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Travel Insured International

  • Higher-level plan include optional add-ons for event tickets and for electronic equipment
  • Rental car protection add-on for just $8 per day, even on lower-level plan.
  • Many of the customizations are only available on the higher-tier plan.
  • Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, pet owners might want to add on kennel coverage, which covers boarding costs if your trip is delayed. Traveling with expensive gear or attending an expensive concert/sporting event? Consider adding on coverage for electronic equipment and ticketed events.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

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World Nomads

  • Travelers can extend coverage mid-trip.
  • The standard plan covers up to $300,000 in emergency evacuation costs.
  • Plans automatically cover 200+ adventurous activities.
  • No Cancel For Any Reason upgrades are available.
  • No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($81 for our sample trip) provides less coverage than the higher-priced Explorer but can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

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Travelex Insurance Services

  • Top-tier plan doesn’t break the bank and provides more customization opportunities.
  • Offers a plan specifically for domestic travel.
  • Sells a post-departure medical coverage plan.
  • Fewer customization opportunities on the Basic plan.
  • Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $63, nearly 17% below average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

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Seven Corners

  • Annual, medical-only and backpacker plans are available.
  • Cancel For Any Reason upgrade is available for the cheapest plan.
  • Cheapest plan also features a much less costly Interruption for Any Reason add-on.
  • Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

The basic coverage plan for our trip to Italy costs $75 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

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  • Coverage available for adventure travelers.
  • Special medical insurance for ship captains and crew members, international students and missionaries.
  • Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

IMG is also a good option for the budget-minded: the iTravelInsured Lite plan comes to just $59 for our trip to Italy — more than 20% below average.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

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  • In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
  • Adventure sports-specific coverage is available.
  • Plans have overlap that can be hard to distinguish.
  • Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $64 for our sample trip, knocking about $10 off the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

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  • Covers up to $300 redepositing points and miles on eligible canceled award flights.
  • Optional add-on protection for business equipment or sports rentals.
  • Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $89, the Basic plan was among the more expensive for our trip to Italy.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

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HTH Travel Insurance

  • Covers travelers up to 95 years old.
  • Includes direct pay option so members can avoid having to pay up front for services.
  • A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
  • No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $73, the TripProtector Economy policy is just below the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverage are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

What’s not covered?

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Methodology

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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Secure Your Journey: Exploring the Best Long-Term Travel Insurance Options

Have you ever considered long term travel insurance? There are various kinds of travel insurance for you to choose from. So, when travelling far away from home, what is the best long term travel insurance ? How do you know whether it is the right one for you?

Travelling around the world is an exciting experience. However, it can be tiring and stressful at times. And to deal with all these challenges, one needs to prepare well in advance.

Travelling for a month or a year requires different kinds of preparations. For instance, long-term travellers need to make sure that they have taken care of their passport, visas and other documents and secured them in a safe place. Moreover, they should be prepared to handle any medical emergencies that may arise while travelling.

Thus, getting the best travel insurance becomes very important before you set off on your travels. And this is where Best Long Term Travel Insurance comes into the picture! The following guide will help you understand what long term travel insurance is and why it is needed by travellers travelling abroad.

WHAT IS COVERED IN THIS ARTICLE?

What is the best long term travel Insurance?

best long term travel Insurance

Long term travel insurance is a particular type of travel insurance designed to meet the needs of individuals planning to be away from home for an extended period.

Purchasing a long term travel insurance policy can be an essential step in preparing for an extended trip. It can provide peace of mind, knowing that you are covered while travelling abroad, and it will assist you in the event of an emergency or illness while on your trip.

When purchasing long term travel insurance, it is essential to understand what is included in the policy and what coverage options are available. Many long term plans can be customized to fit your needs by adding additional coverage to suit your requirements.

Why is long term travelling different?

Why is long term travelling different?

Travelling for an extended period is completely different from travelling for a few days or weeks. You are in a foreign country, and you have to be so much more careful. You have to buy travel insurance as an organized traveller. Living abroad can be very dangerous, especially if you haven’t planned.

The best thing you can do is get yourself the best long term travel insurance you can find. If you aren’t sure what to look for, continue reading for more information.

Why do I need travel insurance?

Top 10 reasons why travel insurance is important

There are many reasons you need to obtain travel insurance before you leave. Travelling without first getting travel insurance can be a dangerous thing to do. If something untoward happens during your vacation, you need to know that there is a safety net for you to fall back on.

The money you have saved up for your holiday doesn’t cover the cost of medical care abroad or the flight home. Your travel insurance should be able to cover any expenses that arise, such as repatriation, medical treatment and emergency assistance.

Who should get long term travel insurance?

Who should get long term travel insurance?

Long-term travel insurance is ideal for people travelling internationally for at least 9 months or those who plan to do a lot of travelling within a given time frame. If you’re taking a 3-4 month trip worldwide, don’t buy long term travel insurance. It doesn’t make sense to pay for it.

If you are planning on travelling abroad for less than three months and your primary reason for buying travel insurance is coverage while you’re there, you will most likely be better off avoiding long-term plans.

Long term travel insurance plans can also be purchased by a person who travels extensively to various countries in one year. Yes – it’s possible to get a single policy that works across these regions.

If you love to travel and plan to do a lot of it in the upcoming year, then long term travel insurance is a wise choice. Rates may vary based on where you’re going, but in general, they’ll be much lower than annual policies because they only have to cover you for up to nine months.

What kind of insurance do you need as a long term traveller?

What kind of insurance do you need as a long term traveller?

In general, there are 5 different types of policies that cover your needs as a long term traveller: 1) Trip Cancellation Insurance – Covers if you need to cancel your trip due to unforeseen circumstances. 2) Trip Interruption Insurance – Cores if you need to cut your trip short due to unforeseen circumstances. 3) Medical Insurance – Covers medical expenses and medical evacuation if necessary. 4) Emergency Evacuation – If something wrong happens on your trip requiring an emergency evacuation, this policy will help you get home safely. 5) Accidental Death & Dismemberment – If something wrong happens on your trip resulting in severe injury or death, this policy will help you financially.

Travel insurance vs Health insurance

Travel insurance vs Health insurance

Travel insurance is generally much more comprehensive than health insurance. It covers a wide range of risks, such as cancellation due to sickness or injury, lost or delayed baggage, inadequate seating on an aircraft, loss of passport and even death.

Travellers are also covered for medical expenses and emergency repatriation. Some policies will cover your costs for dental care and dentures during the trip.

Another critical area is legal protection. This can cover you for anything from personal liability to accidents while abroad.

On the other hand, health insurance only covers you for specific ailments and procedures related to your pre-existing conditions – it doesn’t protect against accidents. There are several exclusions – any pre-existing condition you have before buying a policy could be excluded from the cover plan, even if it was diagnosed after you bought it.

So if you’re travelling with a pre-existing condition and decide to get travel insurance instead of health insurance, make sure you check your policy carefully first.

Review travel insurance options based on your budget

For many travellers, deciding on the best travel insurance policy is essential before booking their trip. Travel insurance companies often offer a variety of plans that vary in terms of coverage and cost. Comparing plans will help you choose the right plan for your trip based on your budget and needs.

The policies differ vastly from one company to another, so consumers should carefully review their options to find policies with the best combination of coverage, price, and benefits.

Travellers on a budget will want to pick an affordable travel insurance plan that covers their needs. Find out your options, know what to look for and which features you should prioritize when picking the best travel insurance policy for your trip.

Here is Top 10 Long Term Travel Insurance Companies where you can compare their packages.

1. safetywing.

This company provide a range of options for all types of travellers, including gap year students, backpackers and long stay travellers. They are reputable and offer great value policies at reasonable prices. They have an online quotation system to check exactly what is covered and get an instant quote.

2. World Nomads

This is an extremely popular option with travellers because they offer a wide variety of policies at very competitive prices. They have been around for many years and have great customer service.

3. Travelex Insurance Services

Travelex Insurance Services specializes in providing extensive travel insurance for your journey. They have a wide range of travel insurance plans that can meet your trip’s needs and budget. They provide coverage for medical emergencies, lost luggage, trip cancellations, trip interruption, and much more. Check out their website today to get a quote!

4. Allianz Global Assistance

Allianz Global Assistance offers some of the most flexible policies on the market, and its support staff is available 24 hours a day via phone and email. The company also has offices worldwide, so you can seek help from a local agent if necessary. As you’d expect from a company with such a global reach, Allianz offers policies that cover travellers all over the world.

5. IMG WorldWide

IMG provides its clients with multiple coverage options, including trip interruption/cancellation, emergency evacuation and more. This company is a great option for international travellers exploring the world while staying safe and secure.

6. AIG Travel

AIG Travel Guard is the best long term travel insurance company. It covers everything from medical emergencies to stolen baggage and even cancellation. This travel insurance company offers coverage for up to a maximum of 12 months at a time, and you can renew your plan when it runs out without requiring you to reapply. The protection that the AIG Travel Guard provides is truly global, as it covers all your trips around the world. It also provides a 24-hour assistance hotline for any claims that you may have during your time of need.

7. AXA Assist

AXA Assist offers policies for single, multiple, and annual multi-trip policies. The medical coverage includes emergency medical evacuation and repatriation and healthcare expenses, including treatment at private clinics. In addition, there is cancellation cover, lost or damaged baggage, personal liability and legal expenses cover, journey interruption, baggage delay or loss and even some legal assistance if you have an accident or get taken ill while abroad.

There is also a range of optional extras for those who need it, such as mobile phone insurance, family travel cover, winter sports cover, and specialized plans such as backpacking, gap year travel, and safari. Most customers who have reviewed the company say that it is great value for money and that claims are easily processed. They also say that the staff are friendly and helpful.

8. HTH Travel Insurance

HTH Worldwide provides comprehensive travel insurance plans to travellers around the world. With HTH, you can rest assured that you are protected against any possible circumstances that may arise while travelling.

Travelling has never been safer, but it is prudent to be prepared for anything that could go wrong. HTH is a leading provider of travel insurance in the U.S. and offers a variety of plans to best fit your needs.

9. Seven Corners

Seven Corners Travel Insurance is a specialist travel insurance for backpackers and adventure travellers. They provide personal and group travel insurance for your backpacking trip, gap year, working holiday and overseas work assignment.

10. Generali Global Assistance USA

Generali Global Assistance USA offers a flexible policy that gives you the coverage you need at a price you can afford. They have some of the best rates and benefits and 24/7 customer service available in many languages.

Trip cancellation coverage and emergency medical assistance are included for free! Other benefits include 100% coverage for lost or damaged luggage, trip interruption, baggage delay, rental car collision and delays, and more.

Explore what is covered and what isn’t

Most travel insurance policies will not cover your trip if you have pre-existing medical conditions that require care and medication while travelling. For example, if you have a heart condition and take daily medication, your policy will not pay medical bills associated with hospitalization or accident treatment if it’s related to this condition.

Get travel insurance before your trip

One of the most important things you can do before travelling abroad is to find a good travel insurance plan. Long term travel insurance gives you peace of mind knowing that if you injure yourself while on your trip, you’ll be able to get medical attention without having to pay out of pocket.

Travelling overseas without long term travel insurance is a risky business because it’s likely that something terrible will happen during your trip. You could fall ill and need medical attention, get into an accident, or experience a robbery.

Where to buy a long term travel insurance

Where to buy a long term travel insurance

If you want peace of mind when travelling abroad, make sure that you are fully covered with comprehensive travel insurance from SafetyWing . They offer comprehensive travel insurance policies designed to protect you from accidents, illness and injury without putting a strain on your budget.

There are many factors to be considered when purchasing a long term travel insurance policy, including: Deductible: A higher deductible will lower your premium. However, if you have an accident or illness and have a claim, you will pay more out of your pocket. Necessary Coverage: This is usually where the best companies differ from the rest! They will cover what you need and give you back some control of your expenses. Country Restrictions: Some countries don’t allow coverage from any company. Read the fine print closely in your policy. Your Medical History: If you have a medical condition that could cause complications with your trip, it’s essential to find a plan that will cover your specific needs without charging an arm and a leg for it!

You should research each of these areas and make sure the plan you choose is right for you .

Like everything else in life, travel insurance is not to be taken lightly. It’s not something that you switch without rhyme or reason. You need to take the time and find out everything you can about your travel insurance before making your final decision.

What’s more, you must know what to look for in a policy, along with all of the features included in each plan. Once you know what type of travel insurance is best for your situation, you’ll be glad that you took the time to take the necessary precautions.

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Money.com

9 Best Travel Insurance Companies of March 2024

O ur team vetted 15 companies and narrowed our top picks to nine insurers, including Seven Corners, Generali Global Assistance and World Nomads. To do so, we read the fine print on travel insurance plans and compared coverage options and prices. That helped us determine which company stood out by offering services that may appeal to particular groups.

Money’s Main Takeaways

  • Travel insurance can reimburse you for lost luggage, missed flights, trip cancellations or interruptions, and emergency medical expenses.
  • Purchase travel insurance right after booking the trip to ensure the best coverage.
  • You can compare multiple policies in one place through a marketplace such as TravelInsured.com.

Why Trust Us?

Our editors and writers evaluate insurance companies independently, ensuring our content is precise and guided by editorial integrity. Read the full methodology to learn more.

  • Based on 15+ data points
  • Reviewed 13 insurers
  • 1,000+ hours of research

Travel insurance is an essential investment for any traveler, especially when traveling abroad. Whether you’re going on a trip you’ve planned for years or an impromptu adventure to one of the best places to travel , comprehensive travel insurance can give you peace of mind.

Here are the nine best travel insurance companies of 2024 so you can protect yourself, your finances and your belongings while abroad.

Our Top Picks for the Best Travel Insurance

  • Seven Corners – Best for Large Groups
  • Generali Global Assistance – Best for Emergency Support Services
  • World Nomads – Best for Adventure Sports Coverage
  • Nationwide – Best Cruise Travel Insurance
  • Travelex – Best for Families with Children
  • Allianz Travel – Best for Business Travel
  • AIG Travel Guard – Best for Add-Ons
  • HTH Travel Insurance – Best for Long-Term Insurance for International Travel
  • TravelInsurance.com – Best for Comparing Travel Insurance Quotes

Best Travel Insurance Reviews

  • Coverage from five up to 364 days
  • Allows coverage extensions
  • Website includes sample scenarios to illustrate how the coverage works
  • Hazardous activities not included in coverage (add-on only)
  • Different plan options for WA, NY, PA, and MO residents

Why we chose it : We chose Seven Corners as the best travel insurance for large groups because it insures parties of 10 or more travelers through comprehensive policies that cover medical expenses and evacuations.

Seven Corners’ simple and budget-friendly Trip Protection Choice plan covers trip cancellation, interruption or delays for specific reasons, including COVID-19 for groups of 10 or more. Its emergency medical protection goes up to $500,000 and offers up to $1,000,000 for medical evacuation and repatriation of remains.

In addition to its group trip travel insurance plans, Seven Corners has three travel medical plan tiers with comprehensive medical coverage for emergency room visits, hospital room and board, and onset of pre-existing medical conditions, among others.

These plans include 24/7 multilingual customer service to help with emergency travel arrangements, medical evacuations and locating the nearest embassy or consulate.

Read Seven Corners Travel Insurance Review

See rates on Seven Corners’s Secure Website >>

  • Offers 24-hour emergency assistance services
  • Up to $1K upfront payment for acute medical treatment
  • Car rental damage add-on available
  • Pre-existing condition coverage only available in the Premium plan
  • High premium costs
  • "Cancel for any reason" only available for Premium plan

Why we chose it : Generali Global Assistance is our choice for the best travel insurance for emergency support services because its policies include telemedicine, concierge services and identity theft resolution assistance.

All of Generali’s policies include 24-hour Travel Support, which can provide immediate assistance for problems that might arise during a trip:

  • Medical emergencies
  • Identity theft resolution
  • Emergency cash transfer
  • Replacing lost or stolen medication
  • Locating lost or stolen items

Travelers can choose between three plans — Standard, Preferred and Premium — that cover trip cancellation, trip interruption, travel delay, and baggage damage, loss or theft. Each plan also covers medical and dental emergencies up to specific payout limits:

  • Standard: up to $50,000 per person
  • Preferred: up to $150,000 per person
  • Premium: up to $250,000 per person

Both its Preferred and Premium plans include trip cancellation benefits or trip interruption in the event that a travel supplier — say, a cruise company, hotel or rental car company — becomes insolvent and can no longer offer its services.

Another highlight of Generali Insurance is its online claims process, which lets you file a claim and monitor its status while it’s being resolved.

Read Generali Global Assistance Travel Insurance Review

See rates on Generali Global Assistance’s Secure Website

  • Emergency medical $100,000 (accident and sickness)
  • Buy more while traveling
  • 24/7 emergency support (Generali Global Assistance)
  • Does not cover pre-existing conditions
  • No CFAR option offered
  • Trip Cancellation/Interruption coverage low compared to other providers ($2.5K-$10K)

Why we chose it : World Nomads is our top pick as the best travel insurance for travelers who enjoy adventure sports because, unlike most other insurance companies, its policies include coverage for over 150+ sports and adventure activities.

While most travel insurance companies shy away from covering adventure sports and other off-the-beaten-path activities, WorldNomads offers policies specifically tailored to more adventurous travelers.

Its Standard and Explorer plans cover scuba diving, skiing, surfing and 150+ other sports and activities. Both plans include $100,000 in coverage for accidents and illnesses and 24/7 emergency support to help you find local physicians or medical facilities.

  • Standard: Covers accidents and illnesses, emergency evacuation, trip cancellation, trip interruption, trip delay, accidental death and lost luggage or theft
  • Explorer: Increases the coverage limits of each benefit and adds $35K in rental car damage coverage

Most travel insurance companies don’t let you purchase or extend coverage during the trip, but World Nomads offers a rare alternative; individuals who didn’t purchase coverage before their trip can enroll in the company’s “Buy While Traveling” plan. Those who already purchased a policy can also extend their coverage to keep exploring.

Read World Nomads Travel Insurance Review

See rates on World Nomads’s Secure Website

  • Offers a pre-existing condition waiver
  • 24-hour assistance
  • Multi-trip plans
  • Must wait 12 hours before bag delay coverage
  • Cancel for any reason is only available in premium plan
  • Few options for additional coverage.

Why we chose it : We picked Nationwide as the best travel insurance for cruises because it offers travel insurance plans geared explicitly toward cruise travel.

Nationwide has three cruise insurance tiers (Universal, Choice and Luxury) that fit any budget and insurance needs.

Nationwide’s emergency medical coverage starts at $75,000, and all three of its plan tiers include “cancel for work reasons” coverage, $500 for return-home-early benefit, $200 for shipboard service disruption, and $25,000 for non-medical evacuations.

Covered reasons for cancellation and interruption include inclement weather, natural disasters and work-related emergencies.

Nationwide also has two single-trip plans: Essential and Prime. In addition to industry-standard trip protection basics, these plans offer above-average medical coverage starting at $75,000 and a “cancel for any reason” add-on that reimburses 75% of non-refundable trip costs.

Travelers can add a pre-existing conditions waiver and coverage in the case of a travel supplier’s financial default (as an upgrade to Essential and included in Prime).

Read Nationwide Travel Insurance Review

See rates on Nationwide’s Secure Website

  • Flight insurance plans available
  • Pre-existing conditions waiver
  • Several upgrades available
  • Upgrades not available for the Basic plan
  • Customer service has limited operating hours

Why we chose it : Travelex is our choice as the best travel insurance for families with children because it offers two plans that cover family members under 17 at no additional cost.

Travelex Insurance Service features two main plans for international trips, Travel Basic and Travel Select — plus a Travel America plan for trips in the USA. Both plans include children 17 and under at no additional cost.

The Travel Basic is an affordable plan perfect for students, backpackers, small groups or those on a budget. These plans cover trip cancellation and interruption at 100% of the trip cost and offer up to $2,000 for trip delays or missed connections.

Read Travelex Insurance Services Review

See rates on Travelex’s Secure Website

  • Epidemic coverage endorsement
  • Allianz TravelSmart App
  • Annual plan geared to business travelers
  • 24-hour multilingual assistance hotline
  • Low medical coverage
  • No "cancel for any reason" benefit

Why we chose it : Allianz Travel is our choice for the best travel insurance for business trips because its comprehensive annual plan is ideal for frequent flyers, whether they are traveling for business or pleasure. It also covers business equipment against theft, loss, damage and delay.

Allianz sells 10 distinct travel insurance plans offering a wide range of options, from basic cancellation benefits to multi-trip protection. These plans include a 24-hour multilingual assistance hotline and the TravelSmart App, which gives quick access to travel advisories, local medical facilities, mobile claims filing and much more.

Allianz’s AllTrips Executive plan is tailored for frequent travelers, aiming to streamline business trips and enhance convenience. This comprehensive plan covers:

  • Trip cancellation
  • Trip interruption
  • Emergency medical and transportation
  • Rental car damage and theft
  • Business equipment coverage (for lost, stolen, damaged or delayed equipment)

Another one of Allianz’s highlights is its lack of age restrictions (most other insurers limit coverage by age). Some of its plans also cover kids 17 and under traveling with a parent or grandparent.

Read Allianz Travel Insurance Review

See rates on Allianz Travel’s Secure Website

  • Lodging expense benefit
  • Trip saver and exchange specialized coverage included
  • A child 17 and under is covered per insured
  • Covers trips to Cuba if the traveler provides additional documentation
  • High cost of premiums
  • Most add-ons are not available for the basic plan

Why we chose it : We chose AIG Travel Guard as the best travel insurance for add-ons because it offers travelers a wide variety of coverage options with which to customize their plans.

AIG Travel Guard has over 30 years of experience providing comprehensive travel insurance to millions of travelers. These customers have had access to unique services such as MedEvac and Bag Trak®.

AIG Travel Guard’s most popular plan, the Preferred offers:

  • Up to $500,000 for emergency evacuation and repatriation of remains
  • Trip cancellation and interruption
  • Reimbursement of up to 50% of your trip cost if you were to change your trip dates

Travelers can also add unique options such as a pet bundle, a wedding bundle (for canceled weddings) and an inconvenience bundle in the event any attractions you absolutely had to see are closed.

Another of AIG’s specialized insurance products is lodging expense coverage. This benefit is for travelers who test positive for COVID-19 and must remain abroad until they present a negative test result.

For last-minute trips, AIG Travel Guard has the Pack N’ GO Plan that includes post-departure coverage and an exclusive 24-hour emergency travel assistance service.

Read AIG Travel Insurance Review

See rates on AIG Travel Guard’s Secure Website

  • Travel medical insurance for groups of 5 or more
  • International expatriate comprehensive coverage
  • App mPassport to find doctors, pharmacies, and translations of drug names
  • Pet medical expense coverage
  • 12-hour wait for bag delay coverage (24 hours under the economy plan)
  • "Cancel for any reason" option only offered in the Preferred plan
  • Participants must be enrolled in a primary health insurance plan to be eligible for the multi-trip plan

Why we chose it : HTH Travel Insurance stands out as the best travel insurance for long-term international travel because it offers specialty coverage for expats and students.

HTH Travel Insurance’s Xplorer Plan offers comprehensive medical insurance for individuals and families traveling outside their home country for at least three months out of the year. This plan features:

  • No deductible for office visits
  • No waiting periods for preventive care services
  • No pre-existing condition waiting period, provided the insured has proof of prior creditable coverage

HTH Travel Insurance also offers international health insurance for students with flexible trip duration options. This plan has unlimited annual and lifetime medical care maximums and includes contraceptive services, supplies and prescriptions. In addition to unlimited telemedicine services, the plan covers medically necessary COVID-19 testing and treatment.

Other global health and safety services available through HTH Travel Insurance include 24/7 call assistance, access to elite international doctors and hospitals, and translated medical terms.

Read HTH Worldwide Travel Insurance Review

See rates on HTH Travel Insurance’s Secure Website

  • Shows results from the top-rated insurers
  • Offers helpful tips and articles
  • Site only shows all add-ons available at checkout
  • You may prefer a company that isn't on the marketplace

Why we chose it : We picked TravelInsurance.com as the best travel insurance for comparing quotes because it allows users to quickly and easily view plan details and prices from some of the top travel insurance providers in the industry.

TravelInsurance.com is a travel insurance comparison platform that simplifies the process of choosing an insurance provider by connecting users with top-rated carriers and breaking down coverage options in an easy-to-understand way.

This marketplace makes it simple for travelers to enter their trip information and receive quotes tailored to the trip cost, duration, and age of travelers. The results page presents the basic information on the coverage, reviews, ratings and a link to each provider’s COVID-19 policy FAQs.

TravelInsurance.com also allows users to compare the policies in a streamlined table.

Read TravelInsurance.com Review

See rates on TravelInsurance.com’s Secure Website

Other travel insurance companies we considered

In this section, we feature popular travel insurance companies that didn’t make our top picks. While some provide limited add-on benefits, others offer lower medical expense coverage than their competitors.

The table below highlights the highest coverage available for each type of benefit. Check out the full reviews to learn more about each provider:

  • Tin Leg Travel Insurance Review
  • TravelSafe Insurance Review
  • AXA Travel Insurance Review
  • Faye Travel Insurance Review
  • Trawick International insurance review
  • John Hancock travel insurance review
  • Berkshire Hathaway Travel Protection

Travel Insurance Guide

Travel insurance reimburses you if you need to cancel or interrupt your trip early. It can also pay for stolen or lost baggage and medical expenses if you get sick or have an accident during the trip. You can purchase a single policy for a short trip, or purchase long-term travel insurance for frequent trips or long stays abroad.

Read on for more information on coverage benefits, how to get travel insurance and tips on how to select the right type of coverage.

What does travel insurance cover?

What does travel insurance not cover, how much is travel insurance, how to get travel insurance, how much travel insurance do i need, credit card travel insurance, are there location restrictions when it comes to travel insurance.

  • Travel insurance companies that cover COVID-19

Comprehensive travel insurance covers many common travel issues and mishaps, from accidents to baggage delays.

The following are standard travel insurance coverage options and add-ons.

  • Trip cancellation insurance: Refunds up to 100% of prepaid, non-refundable travel costs if you cancel an upcoming trip for eligible reasons.
  • Trip interruption: Reimburses you for the unused portion of the trip as well as expenses you may incur to get back home. Insurers typically cap reimbursement at 150% of the cost of the interrupted trip.
  • Travel delays: Reimburses you (up to your policy limits) if you must incur extra expenses such as meals or lodgings during a flight delay. Insurers may also cover airport delays and any flight change fees necessary to catch up on your travel plans.
  • Emergency medical coverage: Travel medical insurance reimburses you for medical expenses incurred during your trip, under certain circumstances. Benefits for medical expenses can range from $15,000 to $50,000. Coverage may apply even if you’re pregnant while traveling .
  • Emergency medical evacuation: Reimburses you if you need to be evacuated to the nearest medical facility or to a facility in your country of origin. Maximum benefits usually range between $100,000 to $500,000 but can be as high as $1 million.
  • Baggage and personal effects: Refunds you the cost of replacement items if your luggage is lost or delayed during your trip, typically up to $2,500. You must wait a predetermined number of hours before filing a claim and submit purchase receipts or a list of items in your luggage. Coverage may be subject to a deductible.
  • Worldwide assistance: Most providers offer 24/7 customer service should you need assistance while traveling. This includes 24/7 multilingual medical hotlines that can provide medical advice and refer you to local healthcare services, if necessary.

Popular travel insurance add-ons

Here we explain a variety of add-ons or riders that allow you to increase benefit limits and cover activities that may be excluded from standard policies.

  • Cancel for any reason (CFAR) coverage: CFAR riders allow you to cancel your travel plans for any reason (you must cancel with the carrier at least 2-3 days before your trip), and get reimbursed for 50% to 75% of pre-paid, non-refundable travel costs. This option must be purchased within 14 to 21 days after booking the trip and may increase the cost of your trip insurance policy by about 50%.
  • Pre-existing medical condition waiver : To qualify for this waiver, travelers must purchase coverage within a certain number of days after making their initial trip deposit. The company may also evaluate the travelers’ medical records to ensure their condition hasn’t changed or worsened in the last 60 to 180 days.
  • Rental car insurance : This optional policy covers theft of or damages to a rental car due to causes beyond your control (think collisions, vandalism and weather events). Coverage limits vary by state, and the coverage itself may not be available in every international location. You must also verify whether the rental car company accepts this coverage.
  • Adventure sports coverage: This rider covers injuries or losses caused by participating in adventure sports such as skydiving or bungee jumping. Claims that arise from these activities are typically excluded from standard policies. An exception is World Nomads, the best travel insurance for adventure sports .
  • Identity theft protection: This optional coverage assists you in notifying creditors, canceling your cards, and getting a replacement for your lost passport, credit card or other important documents.

The most common travel insurance exclusions are:

  • Pre-existing medical conditions
  • Injuries caused by extreme sports
  • Theft/loss of personal items such as electronic devices and jewelry
  • Pregnancy-related conditions
  • Injuries that happen while you’re intoxicated with drugs or alcohol, even if the intoxicating substance is legal to use at the destination
  • Missed flights, where the traveler is at fault

What is a pre-existing condition for travel insurance?

Pre-existing conditions are illnesses or injuries diagnosed by a medical professional 60 to 180 days before you purchased the policy.

Travel insurance providers may define pre-existing conditions differently, so ask your insurer about this, even if you qualify for a pre-existing condition waiver . Misunderstanding the terms and conditions of your policy could lead to your claim being denied.

The cost of travel insurance can range from 4% to 12% of the total cost of your trip and depend on:

  • Your travel destination
  • The length of your trip
  • The types of travel insurance benefits and policy limits you select

We used an online marketplace to get travel insurance quotes for a family of four taking a trip from New York City to London. Let’s say that the family spent $2,200 on four tickets. Insuring all four travelers could cost between $90 to over $300.

To illustrate the potential cost of trip insurance, we calculated 6% of the cost of various trips.

You can buy travel insurance after booking a flight . However, it’s advisable not to delay obtaining a policy. The longer you wait between your initial trip payment and purchasing trip insurance, the greater the chance you’ll miss out on valuable travel insurance add-ons like coverage for pre-existing conditions and CFAR upgrades.

The best time to purchase travel insurance is right after you’ve booked your trip’s costliest non-refundable expense, i.e., flight tickets and lodging.

The best time to purchase a comprehensive travel insurance plan is right after you’ve booked your trip’s costliest non-refundable expense, i.e., flight tickets and lodging.

1. Define your travel insurance needs

Consider your reasons for traveling and how long you’ll be away, taking into account who is traveling with you as well as your planned activities.

Business travel insurance is suitable for those who travel frequently for work and need coverage for items like work laptops and phones. Vacationers who booked a cruise may need a specialized policy such as Nationwide’s cruise insurance plans , while students in overseas programs should look into a plan like Trawick International Insurance for students .

2. Review the policy limits

Each travel insurance benefit has a specific payout limit, which may or may not be enough for your particular situation. For example, individuals traveling with expensive personal belongings such as cameras or jewelry may want a higher payout limit for personal effects or riders for high-value items.

3. Check the policy’s fine print

Make sure the trip insurance policy you’re interested in covers the activities you have planned, especially if there are recreational sports involved.

Travelers with pre-existing medical conditions should also confirm whether those are covered under their policy. If not, they may need supplemental medical coverage or a different provider.

Take a moment to check if emergency assistance services are available 24/7 and what kind of assistance you can expect should you have a medical emergency or your belongings be stolen.

4. Compare travel insurance quotes

We recommend you get travel insurance quotes through comparison sites and marketplaces such as InsureMyTrip.com or SquareMouth Travel Insurance . If you’re traveling on a tight budget, you can still find cheap travel insurance that will cover the essentials, such as medical expenses and personal effects.

Consider the following when comparing quotes:

  • Affordability
  • Maximum payout limits for baggage loss or theft
  • Available add-ons such as “Cancel for Any Reason”
  • Policy terms regarding pre-existing medical conditions
  • Minimum wait time before you can file a claim for baggage loss and trip delays
  • Maximum payout limits for medical expenses and emergency evacuation

Before buying travel insurance , take stock of what losses you would incur if unforeseen events forced you to cancel the trip, or if you suffered an unexpected medical emergency.

  • Non-refundable travel expenses: This includes flight tickets, lodging reservations, pet care accommodations, travel activities like guided tours and transportation expenses booked in advance.
  • Potential medical emergencies: Travelers may need medical care abroad due to food poisoning, cardiovascular emergencies, endemic illnesses and injuries sustained in a motor vehicle crash. Some travel insurers recommend you get a minimum of $50,000 in emergency medical coverage for international trips and $100,000 for cruises and trips to remote locations.
  • Additional coverage needs: Travelers who engage in adventure sports may need a rider to ensure medical coverage if they get injured. These sports are usually excluded from most trip insurance policies.

Many credit cards offer flight insurance and travel protection for lodging and luggage if you use the card to pay for these trip expenses. That being said, if you compare credit card travel coverage with travel insurance , you’ll see that most credit cards lack benefits such as medical expenses and emergency evacuation coverage.

Read our guide to the best travel credit cards for more information on how your credit card can help you travel smarter.

Most U.S. insurance providers will not issue international travel insurance for destinations that are currently under a State Department travel advisory or where there is political unrest. Among the countries usually excluded by providers are Russia, Ukraine, Belarus, Iran, Syria, North Korea, Myanmar and Cuba.

The U.S. State Department created the Smart Traveler Enrollment Program (STEP) so travelers can stay apprised of relevant security updates from the nearest U.S. Consulate. The program is free to use and travelers can register each upcoming trip as needed. STEP is a useful tool for all travelers, no matter their destination, as it facilitates contact between them and the U.S. Embassy in case of natural disaster, civil unrest or a family emergency.

Travel insurance that covers COVID-19

All of the insurers on our list cover COVID-19 if you become sick and need medical attention abroad. Trip protection is also available if you need to cancel the trip due to a COVID-19 infection.

Does insurance cover COVID-19 testing for travel?

Travel insurance policies don’t cover the cost of COVID-19 tests prior to your trip. Insurance may cover COVID-19 tests during your trip if you get sick and a doctor requires a COVID-19 test to diagnose you.

Alternatively, low or no-cost COVID testing may be available at a health center near you if you need to get tested before departing.

What you can do to protect yourself

Travel insurance will cover COVID-19 and other respiratory illnesses should you fall ill. Fortunately, there are steps you can take to protect yourself from getting sick in the first place.

  • Wear a well-fitting respirator such as a N95, KF94 or KN95. Gather in open and well-ventilated spaces.
  • Stay up-to-date with the latest COVID-19 booster shots.
  • Monitor community transmission using the CDC’s COVID-19 wastewater surveillance map.

Latest News on Travel Insurance

  • Southwest now offers a rare (and valuable) welcome bonus if you sign up for the airline’s credit card: a free second ticket (minus taxes and fees) for one travel companion once you purchase a Southwest ticket. To unlock this bonus, you must spend $4,000 within the first three months after you open a Southwest credit card account.
  • Travel search engine Kayak unveiled a calculator that can help you budget for vacations . The Vacay Valuator is a free tool that tallies how much you’d save if you cut certain expenses for a specific length of time and matches you with flights within that price range.

Now that the holiday season has passed, it’s time to start planning this year’s adventures. Check out the following travel guides to plan your next trip in 2024:

  • Best Places to Travel in Spring
  • Best Places to Travel in the Summer
  • Best Places to Travel in Fall
  • Best Places to Travel in Winter

Travel Insurance FAQs

Do i need travel insurance.

Travel insurance can be worth it , especially if you're traveling internationally and have covered non-refundable expenses upfront. It serves as a financial safety net, covering unforeseen events before or during your trip. It includes flight insurance and covers medical expenses and/or reservation costs if you get sick or need to cancel or interrupt your trip.

Having said that, this coverage isn't necessary if you can already get reimbursed for a canceled trip. This can happen, for example, if you reserve your trip with a credit card that offers travel insurance as a perk.

How does travel insurance work?

Travel insurance reimburses you for expenses or losses incurred before or during your trip, provided they are covered under your policy. Travel insurance is more commonly associated with medical emergencies, but it also covers prepaid expenses like airfare, accommodations, tours and more.

If you suffer a covered loss, you'll need to file a claim and provide evidence of the loss. The insurance provider will then analyze your claim and reimburse you if it's covered under the policy. If the claim is denied, you can always appeal the decision.

Which travel insurance is best?

Can i cancel a flight and get a refund.

You can cancel a flight and get a full refund if you cancel within 24 hours of purchasing the tickets, according to the Department of Transportation. (This applies to airline tickets purchased at least seven days before departure.)

Once 24 hours have passed, all airlines allow you to cancel a flight and many offer a refund, credit or voucher. What you get will depend on the airline's policies and what type of flight you purchased.

To ensure you obtain a refund for your flight you should buy travel insurance that includes a cancel for any reason rider.

How much is trailer travel insurance?

How we chose the best travel insurance companies.

As part of our methodology, we gathered travel insurance quotes from online comparison site Travelinsurance.com using the following profile:

  • Family of four traveling from New York City to London
  • $2,200 on flight tickets for all four travelers

We then reviewed the available plans and looked at following factors to evaluate and compare each company:

  • Plans and coverage: We looked for insurers with a variety of plans and the ability to customize the policy with upgrades. We focused on companies offering unique add-ons, such as coverage for extreme sports and lost gear or equipment.
  • Ease of use: We considered how easily you could get a quote and understand the policy information. Most of these companies either offer just a few plans to keep things simple or provide a comparison page where you can quickly spot the differences in each plan.
  • Customer service and support: Factors like a 24/7 hotline and an established network of global resources to help in an emergency indicate a company is well-prepared to respond to customer needs. We gave extra points to companies with mobile apps, multiple ways of accessing customer support and added perks like concierge and translation services.
  • Reputation : To gauge each company’s reputation, we evaluated factors such as customer feedback and ratings, years in business and financial stability as evidenced by AM Best financial strength ratings.

Summary of Money’s 9 Best Travel Insurance Companies of March 2024

Best Travel Insurance Companies

© Copyright 2024 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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  11. Travel Insurance: USA To Australia Trip

    Many travel insurance plans have a waiting period of three to 12 hours before your benefits for trip delay coverage begins. When traveling abroad, look for a policy with a short waiting period ...

  12. Travel insurance for Aussies

    Simple and flexible travel insurance I Buy and compare plans online! ... Have access to long term medical care through a national health insurance scheme and/or private health insurance (not including reciprocal health agreements) ... NSW, 2000, Australia is an Authorised Representative of nib Travel Services (Australia) Pty Ltd (ABN 81 115 932 ...

  13. Best Long-Term Travel Insurance in Australia

    Travel insurance for long-term holidays. Typically, Australians go on holiday for a couple of weeks at a time. However, some travellers choose to take extended trips that last for months, perhaps backpacking through a continent or finally going for that once-in-a-lifetime adventure.

  14. Best Long-Term Travel Insurance

    Trips longer than 45 days are excluded from coverage with this plan. Travel Guard. $259. Travelers going to destinations where safety may be a concern, as security evacuation is included in the ...

  15. Long Term Travel Insurance

    Travelling from Australia overseas for up to 365 days or more and looking for long term travel insurance ? You may be able to extend your policy up to 12-months travel insurance from the departure date on the Bare Essentials, Essentials and Comprehensive travel plans as long as the policy hasn't expired. IMPORTANT: If you wish to extend your ...

  16. Long Stay Travel Insurance for Australia

    Age limits on long stay insurance. Long term travel insurance is available up to the age of 79, including cover for a range of pre-existing medical conditions. We can cover year long single trips to Europe and Worldwide. If you're looking for annual cover, trip durations are available for 31, 45 or 60 days per trip with an upper age limit of 74.

  17. 4 Best Long-Term Travel Insurance in 2024 (w/ Prices)

    GET A QUOTE. 3. Travelex, the best travel insurance for long-term travel. Travelex 's Travel Select long-trip travel insurance has a lower amount of emergency medical coverage than the other insurance plans I have compared, and I personally wouldn't feel protected traveling with such a low amount of medical coverage on a long-stay trip.

  18. 11 Best Travel Insurance Companies in March 2024

    Best travel insurance category. Company winner. Best overall. Berkshire Hathaway Travel Protection. Best for emergency medical coverage. Allianz Global Assistance. Best for travelers with pre ...

  19. Long Term Travel Insurance

    What does long term travel insurance cover? ... They came to where i am staying and decided it was best to take me to the emergency room. I was taken to Kasih Ibu Hospital in Denpasar. ... Governor Macquarie Tower, Level 18, 1 Farrer Place, Sydney, NSW, 2000, Australia is an Authorised Representative of nib Travel Services (Australia) Pty Ltd ...

  20. Travel Insurance to Australia ⚠️ 15% Discount in [2024]

    Families travelling long-term. Travel insurance becomes even more crucial when travelling long-term, and you'll travel with ease knowing that you and your loved ones are covered while in Australia. Get a 15% Discount on Chapka Adventure for a family of 3 persons or more (valid until 06/02/2024). This is a great option for long-term family trips.

  21. Best Long-Term Travel Insurance

    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 ...

  22. Long Term Travel Insurance

    Often the best adventures have no end date… that's why World Nomads has designed flexible travel insurance policies for all types of travellers. ... What can long-term travel insurance cover? ... Governor Macquarie Tower, Level 18, 1 Farrer Place, Sydney, NSW, 2000, Australia is an Authorised Representative of nib Travel Services (Australia ...

  23. What is the best long term travel Insurance?

    AIG Travel Guard is the best long term travel insurance company. It covers everything from medical emergencies to stolen baggage and even cancellation. This travel insurance company offers coverage for up to a maximum of 12 months at a time, and you can renew your plan when it runs out without requiring you to reapply.

  24. 9 Best Travel Insurance Companies of March 2024

    O ur team vetted 15 companies and narrowed our top picks to nine insurers, including Seven Corners, Generali Global Assistance and World Nomads. To do so, we read the fine print on travel ...