annual travel insurance longer than 60 days

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For the Frequent Traveler: The 11 Best Annual Travel Insurance Policies

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Table of Contents

The 11 best annual travel insurance policies, what is annual travel insurance, is annual travel insurance worth it, how much do annual travel insurance policies cost, does credit card travel insurance apply annually, choosing an annual travel insurance policy, final thoughts.

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If you take multiple trips every year, insuring each one can be a hassle. There are forms to fill out, comparison shopping over and over again, and then remembering the policy documents for each specific trip. And then there’s the risk you might forget to take out travel insurance for one of your trips.

Plus, those costs add up. There must be a better way.

Enter annual travel insurance. Also known as multi-trip travel insurance, taking out an annual policy covers you for a whole year of travel. Not only is it simpler, it may be cheaper than taking out multiple single-trip policies. But is it right for you?

Annual travel insurance policies aren’t exactly the same as the trip insurance you’d buy for a weeklong holiday with your family. Here are the best annual travel insurance policies, what they do and don’t cover, and how to decide whether taking out a yearly policy might be right for you.

GeoBlue Trekker Choice

GeoBlue offers 2 Trekker plans for annual coverage, which are unique in several ways. These plans cover preexisting conditions, COVID-19, and all travel outside the U.S.

However, they don’t cover any trips inside the U.S. or provide any coverage for canceled, delayed, or interrupted trips. Instead, these are travel medical insurance plans . With the GeoBlue Trekker Choice plan , you’ll get higher maximum payouts in all categories and pay a lower deductible ($100). However, note that this is still secondary coverage .

You’ll get unlimited access to telemedicine and coverage for trips up to 70 days in length . Additionally, coverage is available up to age 95, which isn’t offered on most other policies.

GeoBlue Trekker Essential

The GeoBlue Trekker Essential plan offers the same pros and cons as the Choice plan. The main differences are the lower maximum payout values and the higher deductible ($200 instead of $100). You also won’t get the Choice plan’s lost baggage and personal effects coverage, which can provide up to $500 per trip. Again, this secondary medical insurance policy is only valid on trips outside the U.S.

Trawick International Safe Travels Annual Basic

Trawick International offers 2 annual plans, and the Safe Travels Annual Basic plan is more economical. You’ll have coverage for everything you expect in a trip insurance policy , such as 100% coverage for trip cancellation or interruption (up to a $2,500 annual maximum) and coverage for delays, lost luggage, delayed luggage, and even medical expenses. To make up for the lower cost of the plan, coverage limits are lower than what you’ll find elsewhere . However, if you want peace of mind while traveling, you can get it for a year and cover trips up to 30 days in length.

Trawick International Safe Travels Annual Deluxe

While Trawick International’s Safe Travels Annual Deluxe plan offers higher maximum coverage limits than the Basic plan, its maximum payouts for medical and evacuation benefits are lower than what you’ll find with competitors . Where this plan shines is in the coverage for change fees, lost deposits on tours, and coverage for lost items if an airline misplaces your luggage.

You’ll be covered for up to $300 per trip for prepaid excursions, up to 100% of your trip cost (with an annual maximum of $5,000) for trip cancellations or interruptions, and up to $150 per item and $750 per trip for personal effects. After signing up for a plan, you’ll also get a 10-day free look period.

Allianz Travel AllTrips Basic Plan

If you want an annual plan with a low price tag , this could be what you’re looking for. The Allianz Travel AllTrips Basic plan covers you for unlimited trips up to 45 days each over the course of a year. Coverage includes emergency medical, emergency medical evacuation, baggage loss and delays, travel delays, rental car theft and damage, and travel accident coverage.

However, there’s a fair list of exclusions from this plan . That includes trip cancellation, trip interruption, missed connections, and change fees. As the name implies, you’ll get basic coverage at a basic price.

Allianz Travel AllTrips Prime Plan

The Allianz Travel AllTrips Prime option covers 365 days of trips, though the maximum trip length is just 45 days. While you’ll get coverage for all the standard travel insurance benefits, including trip cancellation, trip interruption, emergency medical, delays, and baggage mishaps, there are limits you should know about with this plan.

The travel accident coverage, which applies to death or the loss of a limb, maxes out at $25,000 per trip, baggage delay maxes out at $200, and baggage loss or damage maxes out at $1,000. The maximum coverage for emergency medical is $20,000, and costs can exceed that quickly in a true emergency.

However, this is a decent option if you want a fair amount of coverage across numerous categories without a high price tag.

Allianz Travel AllTrips Executive Plan

For those worried about expensive business equipment or losing points and miles, this plan has you covered. On top of higher maximum payouts in categories such as trip cancellation, emergency medical transportation, or travel delays, you’ll also get rental car damage and theft coverage, change fee coverage, and reimbursement for renting business equipment if yours is lost, stolen, damaged, or delayed during a trip.

Moreover, you can be reimbursed up to $500 to cover fees for reinstating your points and miles if a covered trip is canceled or interrupted. The Allianz Travel AllTrips Executive plan also provides coverage for preexisting medical conditions if you meet certain criteria and buy at least 14 days before the first trip.

Allianz Travel AllTrips Premier Plan

Allianz also has a customizable AllTrips Premier plan , allowing you to choose between several payout tiers for trip cancellation and interruption. You’ll pay more when choosing higher maximums, but this allows you to choose exactly what you want in coverage and not pay for more than you need. Another positive is coverage for preexisting medical conditions if you meet certain criteria and buy your policy at least 14 days before your first trip.

You’ll also get rental car damage and theft coverage , $500,000 of emergency medical transportation coverage, $50,000 of emergency medical, and coverage for travel delay expenses after a delay of 6 hours or more. The baggage delay coverage is up to $2,000, but it requires a delay of 12 or more hours. The maximum trip length allowed is 90 days.

AIG Travel Guard Annual Travel Insurance Plan

The AIG Travel Guard Annual Travel Insurance plan isn’t available to Washington state residents. Still, it provides coverage for trip interruption, trip delay, lost baggage, delayed baggage, and missed connections, as well as both medical and security evacuation, accidental death and dismemberment, and travel medical expenses. However, the coverage limit for dental is just $500, and the maximum coverage for travel medical expenses is just $50,000. Those are lower limits than other plans. Additionally, trip cancellation isn’t included.

However, Travel Guard has some strengths. Trip delay coverage applies for up to 10 days and requires a delay of just 5 hours, and the missed connection benefit applies after just 3 hours. You get a “free look” period of up to 15 days to cancel for a refund, so long as you haven’t started your trip or filed a claim. Maximum coverage for any particular trip is 90 days.

USI Affinity Voyager Annual Travel Insurance

USI Affinity’s Voyager plan has a Silver and Gold option , and pricing is easy to determine from the chart. Simply find your age bracket and the associated cost. The key differences between the plans are in the higher maximum payouts for nearly every coverage type with the Gold plan, other than emergency dental and accidental death and dismemberment. However, the Gold plan also includes coverage types the Silver plan doesn’t: political and natural disaster evacuation, airline ticket change fees, and trip interruption. However, trip cancellation isn’t included with either plan .

The maximum trip length is 90 days, and coverage for Silver and Gold plans lasts for 364 days. An unlimited number of international and domestic trips are covered, and you’re covered for trips as little as 100 miles from home. That’s a lower requirement than most other plans (which tend to require 150 miles).

Seven Corners Travel Medical Annual Multi-Trip

This plan is ideal for those who don’t live in the U.S., as other plans on this list are only available to U.S. residents and citizens. While the plan technically lasts for 364 days, Seven Corners’ Travel Medical Annual Multi-Trip plan is customizable. It lets you choose a maximum trip length of 30, 45, or 60 days and include or exclude coverage for the U.S. Note U.S. citizens and residents cannot add coverage for inside the U.S.

Seven Corners also provides coverage for travelers aged 14 to 75 years, though maximum payouts decrease in some categories for those aged 65 and older. If you receive medical care in the U.S., Seven Corners will pay 90% of the first $5,000 of covered expenses and 100% of the cost afterward. You’re covered 100% outside the U.S. Note that coverage doesn’t apply to your home country (which includes the U.S. if you’re a citizen, even if you live in another country) and isn’t available in Antarctica, Cuba, Iran, Israel, North Korea, Russia, Syria, or Ukraine.

A Plan That Didn’t Make Our List

We considered another plan. Here’s why this annual travel insurance policy didn’t make our “best of” list.

IMG Patriot Multi-Trip International : For trips inside the U.S., you may be on the hook for 20% of your medical expenses if you visit a provider outside IMG’s PPO network. Additionally, the maximum trip length is 30 days, and coverage limits are quite low in multiple categories. These include $50,000 for emergency medical evacuation and $10,000 for political evacuation, a maximum of $50 per item and $250 overall for lost luggage, a $100 maximum for dental treatment, and $25,000 for accidental death and dismemberment 24/7 coverage.

Annual travel policy plans vary considerably. Most provide secondary medical insurance, so you may need to submit to your other coverage (home healthcare plan, credit card insurance provider, etc.) first and then submit to your travel insurance provider for any remaining expenses or deductibles. If you won’t have other coverage, you may want to look for a plan that provides primary health coverage instead. Also, understand that most plans provide reimbursement, so you would pay out of pocket for overseas hospital visits and then submit to your insurance provider for reimbursement after the fact.

Annual travel insurance covers you for many trips over the course of a year (or sometimes 364 days). Rather than needing to buy a travel insurance policy for each trip separately — which can add up — you can buy a single policy that covers all your trips for the next year. It’s important to understand the terms of these policies, though. Some may require buying coverage in advance, such as 14 days before your first trip, while that requirement normally doesn’t exist on single-trip travel insurance.

It’s also important to note which types of trips and destinations are covered by your policy — and which aren’t. Look for how far from home you must travel to be covered and whether domestic trips are included. Moreover, consider what benefits you’re looking for. These can vary from medical-only to all the bells and whistles, such as baggage delay and medical evacuation. Once you know the type of coverage you want, you can find a policy or policies that align with your needs, helping you narrow down your options to conduct a more effective comparison.

How Annual Travel Insurance Works

Annual travel insurance works as an umbrella policy, covering all your trips during the policy period. You don’t need to inform the policy provider about each trip’s start and stop dates or destinations. You simply buy a policy, and then you’re protected for every trip that meets the conditions while your policy is in effect. Some regions may be excluded from coverage, and you may be subject to a maximum trip length.

Trip length is an important element to pay attention to. Annual travel insurance doesn’t cover you for a year-long trip. It covers you for a year for many small trips within that time, typically up to 30 or 45 days per trip. If you’re looking for a plan to cover you during a year-long trip to another country, you should look for specialized plans for study abroad, mission work, or other situations that apply to you. Traveling full-time? You may need a policy geared toward digital nomads and backpackers.

When To Buy an Annual Travel Insurance Policy

You should buy your annual travel insurance policy as soon as you know you’ll have multiple trips in the next year and determine that the cost of insuring each alone would be higher than that of a single multi-trip plan. What’s the break-even point on that cost? It depends on the coverage you want.

Considering that single-trip plans can sometimes be found for $10, yet an annual trip is likely to cost $150 or more per adult, you’d need 15 trips to justify the annual policy. However, that’s not really an apples-to-apples comparison, as a $10 basic travel insurance policy won’t provide as much coverage as you’re likely to find on even the most basic of annual policies.

It’s also not just about the number of trips you take but the types of trips, the complexity of the trips, and money at risk in nonrefundable costs. The more of these you foresee in your next year of travels, the more likely an annual plan would be good for you.

What Annual Travel Insurance Policies Do and Don’t Cover

We already highlighted that annual policies don’t cover traveling nonstop for a year due to their restrictions on the maximum trip length. Annual travel insurance policies also restrict how far you must travel for coverage to kick in. Driving to the next town over may be a trip in your kids’ eyes, but it’s probably not far enough for your travel insurance to kick in.

While coverage varies by policy, you’ll typically have coverage for sickness, accidental death and dismemberment, lost or delayed luggage, trip cancellation, and possibly injuries during skiing or snowboarding. However, it’s important to read the terms of each policy because coverage maximums and inclusions vary widely. Some policies only provide medical coverage, while others offer robust coverage across the board.

Understanding Trip Length Rules

Each policy specifies a maximum trip length. How trips longer than that are treated can vary. Most policies won’t cover any expenses related to a trip longer than the maximum trip length. Suppose you take a trip of 41 days on a policy with a maximum of 40 days. In that case, claims for delayed luggage or medical expenses may be rejected when the claim evaluator asks for your trip confirmation details.

However, GeoBlue covers the first 70 days of any particular trip. If something goes wrong during that time, you’re covered. You’re on your own for anything that happens on days 71 or beyond. Still, you’re covered on those first 70 days, despite taking a longer trip.

If you foresee long trips in the future, make sure you understand these rules.

For some travelers, yes, annual travel insurance is worth it. For others, it’s not.

Annual travel insurance is worth it when it costs less than what you’d pay to insure each trip individually. It’s also worth it if you think you might forget to purchase some of those individual policies throughout the year and would prefer to be done with them for another 365 days.

However, annual travel insurance isn’t worth it if you only take a few trips a year, they’re mostly domestic, and you don’t have major nonrefundable expenses. If you’re traveling within the U.S. with your standard health insurance policy in effect and you have credit cards that provide trip insurance for delays or cancellations, that coverage may be sufficient.

Costs will vary by your home state, age, and number of people included in the policy. Here are the “starting at” costs for our best annual travel insurance policies, sorted from lowest to highest:

Yes and no. Using a credit card to pay for your trip can provide some built-in protections. However, you should be mindful of annual maximums on any policy. You may run into limitations such as a maximum of 2 claims per 12-month period or similar exclusions. If you take many trips, that could be an issue.

To better understand what is and isn’t covered, check out our complete guide to credit card insurance .

To choose the right policy, look beyond the cost alone. Rather than immediately choosing the cheapest policy, find the policy or policies that provide the coverage types you want with payout maximums that cover your travel plans for the next year — both confirmed bookings and likely plans.

Consider your coverage needs. Will you be carrying expensive items such as scuba equipment for a trip to the Galapagos or top-notch camera lenses for a bird-watching tour in Papua New Guinea? How many extreme sports will you participate in?

Conversely, how many “never heard of this airline before” flights will you take to get off the beaten path? These are flights where you may be worried about cancelations that lead to extra costs or a misplaced suitcase.

Consider the types of trips you’ll take and the up-front money at risk if something goes wrong or you get delayed, then look at which plans align with your travels. From there, choose the best plan that aligns best with your needs, which may or may not be the cheapest one.

As an annual travel policy holder myself, I promise you that having the right plan is important when you wind up in a remote hospital in Tanzania with malaria.

Annual travel insurance isn’t right for everyone. However, it makes sense for those who travel often and could save money by taking out a single policy instead of many separate policies. It also makes sense if you’d prefer to avoid filling out paperwork numerous times throughout the year for each trip.

Annual travel insurance policies aren’t great for those who tend to travel closer to home, don’t have major nonrefundable travel expenses, or need to customize coverage for each trip because their travels tend to vary. For example, you might need different coverage for a backcountry ski trip with friends versus a 2-hour drive with your family.

Look at what annual policies do and don’t cover and see if these align with your travel goals and needs. Then, consider the prices for the plans that align well with your situation. After taking an informed look, you should have a good idea of whether an annual policy is right for your situation.

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Best Long-Term Travel Insurance

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Table of Contents

Factors we considered in long-term travel insurance

An overview of the best long-term travel insurance, top long-term travel insurance for u.s. citizens, long-term travel insurance coverage recapped.

If you take multiple trips a year, you may want to consider purchasing long-term travel insurance for emergencies. This is especially true if you go abroad for extended stays, as travel insurance typically covers you even when your U.S. medical insurance may not. 

Because the considerations and coverage for long-term plans differ from shorter, single-trip policies, NerdWallet has researched the best long-term travel insurance plans for U.S. citizens.

Here's our list of the best long-term travel insurance providers:

Allianz Global Assistance.

Travel Guard.

USI Affinity Travel Insurance Services.

» Learn more: The best travel insurance companies

We made the following considerations when selecting the best long-term travel insurance companies:

Coverage . We looked at the types of coverage offered and the amount of coverage you could purchase. 

Cost . Affordability is essential, as the best coverage worldwide won't matter if the policy is too expensive. 

Ease of purchase . Being able to quickly and easily find quotes and sign up for coverage is a crucial factor in choosing the right policy.

Customization . The more options you have to tailor a plan specifically for your needs, the better.

Note: We excluded companies that require you to list the length, locations or dates of your trips to purchase a policy. We recognize that most travelers likely don't know these details for all the trips they'll take a year in advance. 

» Learn more: What to know before buying travel insurance

To compare prices and coverage levels, we looked at quotes for a one-year policy for a 35-year-old traveler based in California. If a company offered more than one tier of travel insurance, we went with their entry-level option. 

On average, the price of a policy offered by the listed companies was about $171. 

» Learn more: Does travel insurance cover award flights?

Let's take a closer look at our five recommendations for long-term travel insurance.

Allianz Global Assistance

What makes Allianz Global Assistance great:

Easy-to-use website.

Affordable coverage.

Different options for different budgets.

For our test, Allianz Global Assistance's basic coverage cost $138, about 19% lower than average.

Travel Guard by AIG

What makes Travel Guard great:

Includes dental coverage.

Offers security and emergency evacuation coverage .

Missed connection coverage of up to $500.

For our test, Travel Guard's basic coverage cost $259, about 51% above average.

USI Affinity Travel Insurance Services

What makes USI Affinity Travel Insurance Services great:

Budget-friendly option.

Includes emergency medical evaluation. 

For our test, USI Affinity Travel Insurance Services' basic coverage cost $100, almost 42% below average.

What makes GeoBlue great:

Certain prescription drugs are covered.

Covers medically necessary COVID-19 testing and treatment .

Allowed to take unlimited trips outside of the U.S. for a maximum of 70 days abroad per trip.

For our test, GeoBlue's basic coverage cost $125, about 27% below average.

What makes Heymondo great:

Offers a one-month refund policy, provided the trip has not started and no claims were made.

Easy to add coverage for electronics, cruises or adventure sports.

It has an app to file claims and chat with a doctor 24/7.

For our test, Heymondo's basic coverage cost $232, about 36% above average.

» Learn more: Does my Chase credit card have health insurance?

Most travel insurance companies offer annual plans as a cost-effective way for you to insure multiple trips in one year. Annual plans typically cover medical emergencies and basic benefits. Depending on the provider, some benefits such as baggage delay and trip cancellation are not always covered in annual plans. There are, at times, maximum trip durations per policy.

You can purchase an annual plan that covers multiple trips in one year (with restrictions on trip duration) or a specific long-term travel insurance plan if your trip is longer than three months. Annual plans are on a 12-month rolling basis. Long-term policies can last up to two years, depending on the travel insurance company.

Yes. If you're considering backpacking or taking a gap year, travel insurance companies have options for long-stay travel insurance. Policies vary by providers, but they'll typically include emergency medial treatment, legal protection and travel document replacements.

Yes, several travel insurance providers offer annual plans. Annual plans are a cost-effective way to insure more than one trip during the year. Depending on the plan, long-term trips may be excluded from coverage.

Before purchasing long-term travel insurance, you should think about the type of coverage you want, your budget and if you have any pre-existing medical conditions you wish to be covered.

Having the right plan may provide you with peace of mind and save you serious cash in the event of an emergency.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

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

No annual fee: Wells Fargo Autograph℠ 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

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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

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

When traveling abroad, get a policy from one of the  best travel insurance companies . You can get a  5% discount   on Heymondo , the only insurance that pays medical bills upfront for you, HERE!

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.

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.

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.

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.

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.

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.

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.

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)!

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.

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, and taking a gap year. It’s also a great alternative for international student insurance . 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.

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!

Don't miss a 5% discount on your HeyMondo travel insurance  

and the only one that pays all your medical bills upfront for you!

Ascen Aynat

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

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

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

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.

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.

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.

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.

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.

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?

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.

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.

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,

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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Travel Insurance

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

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

Covered 27 million+ travellers

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

What is long stay insurance and do you need it?

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

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

Long stay travel insurance is ideal for travellers who:

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

What does InsureandGo’s long stay insurance cover?

What’s covered.

All our long stay insurance policies include:

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

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

What’s not covered?

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

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

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

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

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

The best long term travel insurance for your holiday

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

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

Choose a cover level to suit your travel needs

How to book our long stay insurance.

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

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

Do this online now or give us a call:

2. Get your quote and your cover

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

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

Long stay insurance with pre-existing medical conditions cover

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

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

Some of the main medical conditions we cover include:

• Heart conditions

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

Our reviews speak for themselves

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

Frequently asked questions on long stay travel insurance

Who is long stay travel insurance suitable for.

Long stay travel insurance is suitable for anyone!

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

What is the longest you can get travel insurance for?

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

Does long stay travel insurance cover several countries?

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

Does long stay travel insurance cover multiple trips?

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

How much does long stay travel insurance cost?

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

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

Does long stay travel insurance cover me while working abroad?

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

Will I be able to extend long stay travel insurance?

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

Who can buy an InsureandGo long stay insurance policy?

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

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

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

Travel insurance guides

Frequently asked questions.

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

Travel advice

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

Travel insurance reviews

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

*Discount excludes any premium generated to cover medical conditions or optional extras & is automatically applied. This offer cannot be used in conjunction with any other offer. Discount tiers of 5% for premiums between £0-49, 10% for £50-249, & 20% for £250+ apply. Offer ends at 23:59 on 02/09/24. T&Cs apply.

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

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The Best Senior Travel Insurance for 2024

Trawick International »

Allianz Travel Insurance »

AIG Travel Guard »

Nationwide »

WorldTrips »

GeoBlue »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance for Seniors and Retirees.

Table of Contents

• Trawick International
• Allianz Travel Insurance
• AIG Travel Guard

Key takeaways

• Senior travelers can benefit from a plan that offers coverage for emergency medical expenses and emergency medical evacuation first and foremost.
• Other benefits to look for include coverage for lost or delayed baggage, trip delay protection, and coverage for trip cancellation and interruption.
• Older travelers may also want to look for travel insurance plans that cover preexisting medical conditions.
• Some plans for seniors let individuals add on cancel for any reason (CFAR) coverage that reimburses up to 80% of prepaid travel expenses when a trip is canceled for any reason at all.

While anyone planning a trip overseas can benefit from having a travel insurance plan in place, older travelers need to prioritize this coverage more than others. The fact is, senior travelers and retirees have unique worries and risks to think about any time they travel far from home. These risks increase their need for travel health insurance and emergency medical coverage, as well as coverage for emergency medical evacuation that applies anywhere in the world.

U.S. News compared more than 20 of the top travel insurance companies to find the top plan options for seniors and retirees. This list does the heavy lifting for you as you search for the best senior travel insurance, so read on to learn about the top picks.

• Trawick International: Best Overall
• Allianz Travel Insurance: Best Cancel for Any Reason
• AIG Travel Guard: Best Annual
• Nationwide: Best for Cruises
• WorldTrips: Best Budget
• GeoBlue: Best Medical

Incredibly high limits for medical expenses and emergency evacuation

Customize plan with optional CFAR coverage

Coverage is for trips up to 30 days if you're ages 80 and older

• Up to $15,000 in trip cancellation insurance
• Up to $22,500 in trip interruption coverage
• Up to $1,000 for trip delays ($200 daily limit for delays of 12-plus hours)
• Up to $1,000 for missed connections
• Up to $150,000 for emergency medical expenses
• Up to $1 million in emergency medical evacuation coverage
• Up to $750 in emergency dental coverage
• Up to $2,000 in coverage for baggage and personal effects
• Up to $400 for baggage delays of 12-plus hours

SEE FULL REVIEW »

High reimbursement for CFAR coverage

Coverage for preexisting conditions is offered

Relatively low limits for baggage delays

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Trip change protector coverage up to $500
• Emergency medical coverage up to $50,000
• Emergency medical transportation coverage up to $500,000
• Baggage loss coverage up to $1,000
• Baggage delay insurance up to $300
• Travel delay coverage up to $800 ($200 daily limit)
• $100 per day in SmartBenefits coverage per person for fixed inconvenience payments
• 24-hour hotline for assistance
• Concierge services
• Preexisting condition coverage (must be added to plan within 14 days of first trip deposit or payment)

Year-round comprehensive travel insurance coverage

Generous limits for medical and emergency medical evacuation

Does not include trip cancellation coverage

• Up to 100% of insured trip cost for trip interruptions (maximum of $2,500 per trip)
• Up to $1,500 for trip delays ($150 per day)
• Up to $500 for missed connections caused by delays of at least three hours
• Up to $2,500 for lost baggage
• Up to $1,000 for baggage delays of 12-plus hours
• Up to $50,000 for travel medical coverage ($500 dental sublimit)
• Up to $500,000 for emergency evacuation and repatriation of remains
• Up to $50,000 for accidental death and dismemberment (AD&D)
• Up to $100,000 for security evacuation coverage

Cruise-specific coverages and benefits

High limits for medical expenses and emergency evacuation

May be expensive compared to other coverage options

• Trip cancellation coverage up to 100% of prepaid trip cost
• Trip interruption coverage up to 150% of prepaid trip cost
• Trip interruption for any reason (IFAR) coverage worth $1,000 if conditions are met
• Missed connection coverage up to $2,500 for delays of three-plus hours
• Trip delay coverage up to $1,000 for delays of six-plus hours
• Itinerary change coverage worth $250 to $1,000 (depending on reason for change)
• Emergency medical coverage up to $150,000 (secondary with $750 dental sublimit)
• Emergency medical evacuation coverage up to $1 million
• Up to $25,000 for AD&D
• Up to $2,500 in coverage for lost or stolen baggage ($1,000 maximum for special items and $500 limit per article)
• Baggage delay coverage up to $1,000 for delays of six-plus hours
• Nonmedical evacuation coverage up to $25,000

Customize your deductible and premiums

Generous medical limits for travelers ages 65 to 79

Limited medical coverage for travelers older than 80

• Up to $1 million in emergency evacuation coverage
• Medical benefits like hospital room and board, chiropractic care, and more
• Coverage for repatriation of remains
• Up to $25,000 in personal liability coverage
• Up to $10,000 in trip interruption insurance
• Up to $1,000 in coverage for lost checked luggage
• Up to $100 per day in coverage for travel delays of 12-plus hours
• Up to $1,500 in coverage for bedside visits
• Up to $100,000 in coverage for emergency reunions

Get comprehensive health insurance that applies overseas

Preventive and routine care included

Age limits apply for new applicants and renewals

Medical-only coverage

• Preventive and routine care
• Professional services like surgery
• Inpatient medical care
• Ambulatory and therapeutic services
• Rehabilitation and therapy

Frequently Asked Questions

You can purchase some travel insurance plans (but not all) if you're older than 80 years old. However, your premiums may be higher and you'll typically qualify for lower coverage limits overall. Make sure you compare the best travel insurance plans for seniors to find the right fit for your needs.

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer who has covered international travel and travel insurance for more than a decade. Johnson has researched and compared all the top travel insurance options for her own family for trips to more than 50 countries around the world, and she has successfully filed claims during that time. Johnson lives in Indiana with her two children and her husband, Greg – a travel agent who has been licensed to sell travel insurance in 50 states.

You might also be interested in:

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Is Travel Insurance Worth It? Yes, in These 3 Scenarios

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Long-stay Travel Insurance

Compare 90 days cover from as little as £86.97*.

Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover for their medical conditions.

What is long-stay travel insurance?

Whether you’re heading off to warmer climes for the winter months or planning an exciting adventure for a gap year – you can count on us to help you find the perfect insurance policy for your needs.

In minutes, we help you compare policies from over 30 leading providers using our online comparison tool. Simply click the button above to get started. Alternatively, for more information, keep reading.

Specialist Medical Cover

We only work with providers who specialise in covering pre-existing conditions.

No discounts. No pressure. We’ll always show you the best prices from providers.

What does long-stay travel insurance cover?

Long-trip travel insurance covers you for the exact same things as a standard travel insurance policy - only for a longer duration of time.

This includes the basic things, such as: 

• Cancellation  
• Personal Accident
• Medical and Repatriation Expenses  
• Mobility Aids
• Baggage Loss  

Depending on the provider, you might also get a wide range of other areas covered. For example, some of the providers we’ll recommend offer cover for travel documents as standard because the risk of losing or misplacing these when away for a long time is higher.

You’ll also be able to add optional extras to your policy, as you can with our single trip cover and multi-trip policies. These extras include:

• Gadget cover
• Cruise cover
• Winter sports cover

Who can get long-stay holiday insurance?

We work with you to ensure you get the long-term travel insurance policy that suits your needs.

We understand that some people might worry about how their age affects their policy. Although some insurers do have upper age limits, we show you quotes from a range of companies to make sure there will be one that suits you. So, whether you’re 18 or 80, we’ll be able to find a quote that works.

Can I add cruise cover for a long-stay policy?

Yes, you can add cruise cover to any of our insurance policies so long as the duration of your cruise can be covered. To do this, simply add cruise cover and proceed through to our quote comparison tool as normal.

Can I get long-stay insurance if I have a pre-existing medical condition?

We specialise in helping people get medical travel insurance . When you look for a quote, you’ll be given the option to declare your own, or your travelling companion’s conditions and get a quote tailored to your situation. This way, if you have a medical emergency whilst travelling, you don’t need to worry about juggling medical bills with getting better.

As well as declaring current medical conditions, our simple medical screening will ask you about past diagnoses and prescribed medication to ensure you’re getting a quote that’ll leave you fully covered.

There is a chance that your medical condition might affect your premium, especially if you’re travelling to a country with private healthcare (such as the USA) where returning home would cost a lot.

What to consider when going away for a long trip

One of the main things to consider when going away for a long time is whether you might need to amend or upgrade your home insurance policy. If you are leaving your property empty during your trip, you’re existing policy might not cover you and so finding out is essential.

You should also strongly consider value over cost. You might find cheap quotes enticing, but it’s always sensible to favour the policy that has the best cover over the policy that costs less. 

Rated Excellent

Trusted by thousands of people like you who've reviewed us on Trustpilot.

No phone calls or paperwork. Join millions who've sorted cover online in minutes.

Frequently Asked Questions

Single Trip insurance is for one-off, individual trips and will cover your specified travel dates. This is usually up to 45 days; however, some insurance providers can cover up to 94 days. If you’re not a frequent traveller, single trip cover is a great option and will likely be cheaper than an annual multi-trip cover .

If you travel 2 or more times a year, annual trip cover may very well save you money. The maximum duration of any trip will always be specified and will vary by provider. But don't worry, when you get a quote, we'll ask you what your maximum trip length is and only show you quotes that match!

A pre-existing condition is a diagnosed medical condition that existed before taking out a policy. We'll ask a series of questions about the medical history for you and any travellers on your quote. If you answer yes to any of these, you will need to tell us about the traveller's conditions. This could be a condition that a traveller has now or has had in the past. If you are not sure what conditions you need to declare, we have online support available to help you 24/7!

* Price is based on 1 traveller aged 64, who has no medical conditions and is travelling to France for 90 days. The price is correct as of July 2024. Prices may vary according to your individual requirements.

Trusted by people just like you

Don't just take our word for it...

If we're unable to help you find cover for a pre-existing medical condition , the Money Helper Directory has listings of companies that may be able to assist you. Further details can be found on their  website.

Related Products

Annual multi-trip travel insurance.

Taking more than one or two holidays a year? Compare annual multi-trip travel insurance from over 30 specialist insurers and save money whilst having peace of mind whilst you travel.

Medical Travel Insurance

We're specialists in helping people find travel insurance cover for a wide range of pre-existing medical conditions. See how we can offer you peace of mind for when you next travel.

Winter Sports & Ski Cover

When hitting the slopes, it pays to make sure your travel insurance includes cover for winter sports like skiing or snowboarding.

Sign up to receive regular updates

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Travel Insurance 60 days and longer

Uk citizens 60 day plus insurance.

The traditional two week holiday is certainly here to stay as many working people will find it hard to take longer than time off and not leave themselves without any holiday left. However more and more are seeking longer breaks abroad, particuarly those who are maybe freelance or taking a short mini career break.

If you go anywhere out of the UK for anytime up to 60 days or of course longer then you should always consider ensure you have a good level of 60 day travel insurance in case of anything going wrong. This is particularly true of the medical health cover part and ideally you should be covered up to £10 million for comprehensive cover.

Travel Cover for Trips of 60 days and longer

Latest Travel News Headlines for Long Stay trips

CATALONIA REPORTED A DROP IN OVERNIGHT STAYS In September, overnight stays in Catalonia dropped by 5%, which represents a four months setback, while in the overall figure for Spain it fell by a 0.4%.

EUROPE DEALING WITH SHORTAGE OF TRAVEL AND HOTEL PERSONNEL Tourism is a part of everyday life as well as one of the leading industries in terms of economic development in Europe. Every year, the demand for travel is increasing, with factors such as flight and accommodation...

NICARAGUA: TOURISM REVENUE TO DROP BY 500 MILLION USD Paramilitarization in the Island of Ometepe aggravates the insecurity and crisis experienced by the tourism sector of Nicaragua.

ITALY TO FOCUS ON DIFFERENT SOURCE MARKETS China is one of the most interesting source markets for Italian tourism, and the Italian tourism board (Enit) intends to ride the positive wave, also increasing the reference targets. This is confirmed by the data...

Looking for a great deal on holiday travel insurance?

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AAA Travel Insurance Review and Pricing (2024)

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Our Thoughts on AAA Travel Insurance

AAA partners with Allianz to offer travel insurance plans to club and non-club members. Based on our rating system and travel insurance methodology , Allianz earned 4.1 out of 5 stars . During our research, we found that Allianz offers limited plan options through AAA compared to its usual — for example, only two plans are available through the AAA Auto Club Group, which services 14 U.S. states. 

However, other AAA clubs may provide different Allianz policies depending on your geographic location, making it hard to fully assess the travel insurance offerings across the company’s 32 clubs nationwide . In addition, our calculations show that the average cost of an Allianz policy is almost 23% more than the average cost of travel insurance. Based on this research, we recommend considering other providers in your search for the best travel insurance.

Pros and Cons

Offers exclusive coverage plans through Allianz Global Assistance

Provides car rental damage coverage as an add-on

Both AAA members and non-members can purchase coverage

Offers a pre-existing medical conditions waiver

Plans have low medical coverage limits, based on our research

Coverage may vary depending on your state’s AAA club

Lacks an option to add cancel for any reason (CFAR) coverage

How AAA Travel Insurance Scored in Our Methodology

Since AAA offers travel insurance through Allianz, our team analyzed Allianz for this review. Using our travel insurance methodology, we gave Allianz 4.1 out of 5 stars . It earned perfect scores in our coverage details and customer service and reviews categories but lost points for not offering CFAR coverage.

For transparency, note that our scores reflect Allianz as a general company — not the plans offered explicitly through AAA. According to our research, each AAA club’s policy offerings may differ from the plans typically provided by Allianz.

Rating is based off of MarketWatch Methodology Guidelines

Compare AAA Travel Insurance to the Competition

Compare AAA travel insurance through Allianz to other providers we’ve rated and reviewed using the table below.

AAA Travel Insurance vs. Faye

AAA travel insurance and Faye have several similarities between comparable plans. Allianz’s TripProtect Deluxe and Faye’s Travel Protection plans offer 100% trip cancellation and 150% trip interruption benefits. These plans also offer $2,000 in lost baggage coverage .

However, Allianz’s plan has the upper edge regarding emergency evacuation limits and baggage delay coverage. On the other hand, Faye offers more travel medical expense coverage and trip delay benefits. While both have similar average costs, the plans cost more than the average travel insurance policy, which we found is $221 across 20 different providers.

Learn more in our Faye Travel Insurance Review . 

AAA Travel Insurance vs. Travelex

AAA travel insurance and Travelex have few similarities when comparing Allianz’s TripProtect Deluxe plan and Travelex’s Travel Select policy. Both offer the same trip cancellation and trip interruption limits. Travelex offers higher trip delay coverage. Otherwise, Allianz’s plan provides higher coverage limits for everything else, including medical expenses, emergency evacuations , and lost or delayed baggage.  

Another difference worth noting is the average cost of these plans. Travelex is, on average, 23% more expensive than Allianz. If you don’t mind sacrificing higher coverage limits for a cheaper overall cost, Travelex’s plan may be worth considering over Allianz’s.

Learn more in our Travelex Travel Insurance Review .

What Does AAA Travel Insurance Cover?

AAA partners with Allianz to offer various travel insurance policies to club members in certain states across the country. However, plan offerings and coverage will likely vary by AAA club. We took a closer look at Allianz-backed plans available to AAA Auto Club Group members, which includes members in states such as Colorado, Florida, Georgia, Indiana, Michigan, North Carolina and more.

Based on the plans AAA provided us, an Allianz-backed plan includes coverages such as trip cancellation, trip interruption, baggage coverage, emergency medical and emergency transportation. In addition, plans cover trips lasting up to 180 days and offer a 15-day review period. Learn more about these two plans in the sections below.

AAA Travel Insurance Policy Options

AAA offers two plans in partnership with Allianz travel insurance, known as TripProtect Select and TripProtect Deluxe. Based on our experience, getting a quote through the AAA Auto Club Group was straightforward. To access quotes, you only need to provide your state of residence, total trip cost, departure and return dates, initial deposit date and age.

Our research found that TripProtect Deluxe offers the same coverage but with higher limits than the TripProtect Select plan. Coverages include trip cancellation , trip interruption, baggage delay, emergency transportation, emergency medical, trip change protector and more. Perks that come with both plans include 24-hour hotline assistance and concierge services. If you qualify, you can also apply for a pre-existing health condition waiver for both TripProtect Select and Deluxe. However, this waiver limits your total trip cancellation and interruption benefits.

During the purchasing process, AAA informed us we may be eligible for financial default coverage if we used a qualifying travel supplier, which would offer reimbursement if the supplier went out of business and impacted the trip. However, this benefit may differ depending on the AAA club for your location. Find a direct comparison between Allianz’s TripProtect Select and Deluxe in the table below.

After gathering policy quotes through AAA using seven unique traveler profiles, we found that the average cost of the TripProtect Select plan was $235 and a Deluxe plan cost $306.

AAA Travel Insurance Optional Add-on Coverage

Based on our research into Allianz plans through AAA’s Auto Club Group, only one optional add-on coverage is available to club members — Rental Car Damage Protector. Available for purchase with both the TripProtect Select and Deluxe plans, this add-on can protect domestic and overseas rental cars with up to $50,000 in coverage for collision, loss and damages.

Rental Car Damage Protector also includes 24-hour emergency hotline assistance alongside trip interruption and baggage loss benefits. Note that Allianz offers this add-on for a flat rate of $11 per day .

How Much Does AAA Travel Insurance Cost?

Our team gathered quotes through AAA Auto Club Group’s partnership with Allianz to learn more about the average cost of a policy. From this research, we found the average cost of a policy is $271 . This is almost 23% more than the average cost of travel insurance we calculated using quotes from 20 different providers.

Your exact policy costs will vary based on factors such as your age, destination, total trip cost and more. With AAA plans backed by Allianz, we found that naming your destination was optional when obtaining quotes. However, our research has found that most other providers consider your destination when calculating your quote.

See the table below for a breakdown of costs for a TripProtect Select and TripProtect Deluxe plan from Allianz through AAA. The costs are outlined for seven of our sample traveler profiles, which we used when weighing the cost rating factor in our methodology .

Based on quotes our team gathered from 20 different providers using the seven unique traveler profiles above, we found the average cost of a travel insurance plan is $221. Comparatively, an AAA travel insurance plan, administered by Allianz, costs $271.

Does AAA Offer 24/7 Travel Assistance?

According to our research, AAA offers 24/7 travel assistance services through Allianz for each travel insurance policy. However, exact offerings may vary by AAA club and the exact plan. Travel assistance staff is multilingual, according to Allianz, and can help assist you with flights, accommodations, destination information, emergency language translation, legal referrals, prescription replacement, lost baggage and more. Note that you’re responsible for costs associated with any of the services offered.

AAA also offers concierge services through its Allianz-backed plans. The concierge can help with event planning, business services, specialty services — such as flower delivery and personal care referrals — and more.

How To Buy a Policy From AAA Travel Insurance

Our research team obtained travel insurance quotes through AAA and its partner, Allianz, to better understand how the quote and purchasing process works. In our experience, it is not easy to access any portal other than the one designated for your location. Some locations, such as California, have multiple AAA clubs associated with the state. For this article, we went through AAA Auto Club Group, which serves 14 states and Puerto Rico, to gather quotes for an Allianz plan.

Starting the quote process through the Auto Club Group portal is relatively simple. To gain access to quotes, you provide your state of residence, total trip cost, departure and return dates, initial deposit date and traveler ages. You can choose to enter your destination, but our quotes were the same with or without this information.

From here, AAA will take you to a page that provides information on Allianz’s plans. We felt the information could have been more detailed to help us better understand what we’d receive with each plan. For example, some standard coverages — such as vehicle return and trip change protector — would have benefitted from an explanation of what precisely this coverage is. Browsing through plan details, which seemed to be a sort of sample contract, didn’t provide us with much clarity.

Once you choose the plan you’d like, AAA directs you to fill in additional trip and travel information. If you’re purchasing a plan through AAA Auto Club Group, the company will ask for personal information such as your address, email, phone number and more. You’ll need to provide your flight information, if applicable, so Allianz can proactively assist you if you experience a flight delay. Once you’ve entered payment information, you can finalize your purchase. While our research team wishes that AAA provided more details on each coverage, we found the purchasing process easy overall.

AAA Travel Insurance Customer Reviews

Because Allianz is the policy administrator for plans through AAA, we examined its customer ratings and reviews on third-party platforms to better understand what consumers like and dislike about the company. At the time of writing, Allianz has a 4.3 out of 5 star rating on Trustpilot and a 3.5 out of 5 star rating with the Better Business Bureau (BBB). Learn more about what we found from customer reviews below.

What Customers Like

• Easy claims filing: Several policyholders noted that filing a claim was an easy and quick process, noting that they appreciated how it was a fully online process.
• Fast claims processing: Many reviewers, such as this one , spoke of how quickly and efficiently Allianz handled their claims.
• Helpful customer service agents: Customers such as this reviewer noted how friendly Allianz’s customer representatives were and how quickly they resolved any issues.

What Customers Don’t Like

• Claim denials: A reviewer felt Allianz denied their claim despite its validity and proper documentation during the claims process.
• Drawn-out claims: We found multiple reviewers, such as this one , expressing frustration over the time it took to resolve their claim, even with full proof and receipts.
• Documentation requests: Several reviewers, such as this policyholder , were frustrated with the amount of documentation requested for their claim.

We reached out to AAA for comment on the negative customer reviews associated with Allianz but did not receive a response.

How To File a Claim with AAA Travel Insurance

Filing a claim with a AAA travel insurance policy requires going through Allianz, the plan provider and administrator. You can file a claim with Allianz through the claims portal on its website or by using its TravelSmart app, which is available through the Apple App Store and Google Play. If you’d prefer a customer representative to help walk you through the claims process, Allianz’s customer service number is easily accessible on its website.

Note that you’ll need supporting documentation for your claim. Allianz provides an online document checklist that helps you see what you need for your specific claim. Once you’ve filed your claim, you can monitor its status through the provider’s app or online.

Is AAA Travel Insurance Worth It?

Whether or not a AAA travel insurance policy through Allianz is worth it is up to you. Our research shows that the AAA Auto Club Group offers comprehensive travel insurance coverage for travel and medical emergencies abroad. We also like that you don’t need a AAA membership to purchase a plan. However, we found only two travel insurance options to choose from, and costs were higher than the average price of a general travel policy calculated by our research team. In addition, your Allianz plan options may vary based on the AAA club tied to your geographic location.

For best practice when choosing a travel insurance plan, we encourage you to get quotes from multiple providers, compare costs and coverage details, and review customer reviews from third-party aggregators. By following this process, you can more easily find the best travel insurance provider for your needs.

Frequently Asked Questions about AAA Travel Insurance

Does aaa use allianz travel insurance.

AAA partners with Allianz Global Assistance to provide travel insurance plans to club members and non-members alike. However, plan offerings may vary by your location’s club affiliation. Visit AAA’s website to learn more about the plans offered to you.

Does AAA travel insurance cover medical expenses?

AAA travel insurance policies through Allianz cover medical expenses and emergency medical transportation. However, the amount of coverage offered will vary by plan. Read coverage details for the plans available in your area to see how much medical expense coverage is offered.

Does AAA cover travel abroad?

Our research found that AAA offers travel insurance plans that can cover your international travels outside of the U.S. However, at the time of writing, AAA is not accepting sales of policies covering known travel to Israel due to conflict in the area.

How much does an AAA travel insurance policy cost?

Based on quotes gathered by our team, the average cost of an AAA travel insurance policy from Allianz is $271. Your actual costs will depend on factors such as your location, travel destination, age, total trip cost and more.

Methodology: Our System for Rating Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

MarketWatch Guides may receive compensation from companies that appear on this page.
The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.