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

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

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

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

best long-term travel insurance

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

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

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

What is long-term travel insurance?

Long-stay travel insurance coverage comparison

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

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

Italy, insurance for long-term travel

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

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

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

Bali, extended-trip travel insurance

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

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

Who is insurance for long-term travel for?

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

Extended stay travel insurance for long trips

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

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

Long stay travel insurance for working abroad

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

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

Travel insurance for expats

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

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

Long-stay travel insurance for students

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

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

Round-the-world trip insurance

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

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

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

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

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

Insurance for digital nomads

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

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

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

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

Long-term travel insurance price comparison

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

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

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

Best long-term travel insurance

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

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

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

Prambanan, long-term travel insurance

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

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

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

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

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

Heymondo, insurance for long-term travel

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

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

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

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

2. World Nomads , the best gap year travel insurance

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

World Nomads, extended-stay travel insurance

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

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

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

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

Travelex, long-term travel insurance

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

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

4. SafetyWing , the best insurance for digital nomads

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

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

Safetywing, long-stay travel insurance

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

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

What does long-term travel insurance cover?

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

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

Is long-term travel insurance worth it?

Ultimately, yes, long-term travel insurance is worth it for extended trips, working abroad temporarily, 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.

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

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

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

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

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

travel insurance for over 100 days

Ascen Aynat

Comparativa de los mejores seguros de viaje 2024 Covid-19 - Cuándo contratar un seguro de viaje - Seguro de viaje para estudiantes - Seguro de viaje Erasmus

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

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

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

Let me know if you have any questions, Ascen

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Let me know if you have any questions,

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

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

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travel insurance for over 100 days

The best travel insurance policies and providers

Katie Genter

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

travel insurance for over 100 days

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

  • You purchase the plan within 15 days of your initial trip payment.
  • The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
  • You must be medically able to travel when you purchase your plan.

Standout features

  • The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
  • You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
  • Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

travel insurance for over 100 days

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

travel insurance for over 100 days

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

  • You purchased the policy within 14 days of the date of the first trip payment or deposit.
  • You were a U.S. resident when you purchased the policy.
  • You were medically able to travel when you purchased the policy.
  • On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
  • Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
  • Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
  • For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

travel insurance for over 100 days

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

travel insurance for over 100 days

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

  • You must be medically able to travel at the time you pay the policy premium.
  • You pay the policy premium within 14 days of making the first covered trip deposit.
  • Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
  • Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
  • American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

travel insurance for over 100 days

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

travel insurance for over 100 days

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

travel insurance for over 100 days

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

  • GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
  • GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

travel insurance for over 100 days

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

travel insurance for over 100 days

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

  • Some annual multi-trip plans are modestly priced.
  • iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

travel insurance for over 100 days

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

  • You purchase the plan within 15 days of the initial trip payment.
  • The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
  • All insured individuals are medically able to travel when they pay the plan cost.
  • The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
  • Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
  • Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
  • For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

travel insurance for over 100 days

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

travel insurance for over 100 days

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

  • You buy this plan within 20 days of making your initial trip payment or deposit.
  • You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
  • You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
  • Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
  • You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
  • Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

travel insurance for over 100 days

World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

  • World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
  • World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

travel insurance for over 100 days

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

travel insurance for over 100 days

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

travel insurance for over 100 days

Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

  • Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
  • Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
  • Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
  • Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
  • Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
  • Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
  • Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
  • Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

travel insurance for over 100 days

If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

travel insurance for over 100 days

For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .


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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

travel insurance for over 100 days

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

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

What is long stay travel insurance?

Long stay travel insurance can cover your longer-than-average holiday, whether an extended 3 week stay or an epic round the world trip. If you’re going away for three or four weeks instead of the traditional one to two, then you’ll be pleased to know our standard   single trip policies will still cover you. In fact, they’ll cover a trip of up to 365 days!

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

What does long stay travel insurance cover?

All of our long stay travel insurance policies include:

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

The excess and cover limits will vary depending on the level of cover purchased. Find out more in our   policy wording . Further items and activities can be added to your travel insurance policy, making sure you are covered for any specific needs.

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 limits . So if you’re planning to travel around Southeast Asia on your   gap year   or volunteering for some charity work abroad, you’re in the right place to get a quote.

Does long stay travel insurance cover several countries?

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 a quote online .

Does long stay travel insurance cover multiple trips?

No, 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, check out our annual travel insurance instead.

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.

Long stay travel insurance with medical conditions

We cover a wide range of medical conditions on our Silver, Gold and Black level policies, however long you’re travelling for, and we will never refuse to cover a   pre-existing medical condition   without prior consideration. We can usually cover any medical conditions with an additional premium, and medical cover on your long stay holiday is no exception.

You can check through our insurance   policy documents  for further details on long stay travel insurance with medical conditions we cover, or  get in touch  today for more information.

Does a 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.

  • Unlimited emergency medical expenses available on Black level policies.
  • Based on 2,050 responses, correct as of 22/01/2024

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

Travel Insurance for Seniors & Retirees: 5 Top Picks

travel insurance for over 100 days

Allianz Travel Insurance »

travel insurance for over 100 days

Trawick International »

travel insurance for over 100 days

GeoBlue »

travel insurance for over 100 days

IMG Travel Insurance »

travel insurance for over 100 days

WorldTrips »

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

  • Rating Details
  • Allianz Travel Insurance
  • Trawick International

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.

Which travel insurance options work best for seniors? There are many travel insurance plans that were created with retirees in mind, although you'll want to compare them side by side. For example, you may want to look at coverage limits for medical expenses and coverage for preexisting conditions above all else.

U.S. News editors compared more than 20 of the top travel insurance companies to find the best plans for seniors. This list does the heavy lifting for you as you search for the best senior travel insurance of 2023, so read on to learn about the top picks.

  • Allianz Travel Insurance: Best Annual Coverage
  • Trawick International: Best Premium Travel Insurance for Seniors
  • GeoBlue: Best Travel Medical Coverage for Expats
  • IMG Travel Insurance: Best for Short-Term Travel Medical Coverage
  • WorldTrips: Best for Flexibility

Best Travel Insurance for Seniors and Retirees in Detail

Available to senior travelers of all ages

Coverage for preexisting conditions is offered

Relatively low limits for emergency medical expenses

  • Coverage for COVID-19
  • Trip cancellation coverage up to $3,000
  • Trip interruption coverage up to $3,000
  • Emergency medical coverage up to $20,000
  • Emergency medical evacuation coverage up to $100,000
  • Baggage loss coverage up to $1,000
  • Baggage delay insurance up to $200
  • Travel delay coverage up to $600 ($200 daily limit)
  • Rental car damage and theft coverage up to $45,000
  • Travel accident coverage up to $25,000
  • 24-hour hotline for assistance
  • Concierge service
  • Preexisting condition coverage (must be added to plan within 14 days of first trip deposit or payment)

Customize plan with optional CFAR coverage

Incredibly high limits for medical expenses and emergency evacuation

Coverage is for trips up to 30 days if you're age 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
  • $750 in emergency dental coverage
  • $2,000 in coverage for baggage and personal effects
  • $400 in baggage delay coverage
  • 24/7 noninsurance assistance services

Get comprehensive health insurance that applies overseas

Preventive and routine care included

Age limits apply for new applicants and renewals

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

Get overseas medical coverage for single trips or multiple trips

Plans were created with seniors and retirees in mind

Lower maximum coverage limits for travelers ages 80 and older

Limited nonmedical travel insurance benefits

  • Inpatient and outpatient medical coverage such as for physician visits, hospitalization and surgery
  • Emergency and nonemergency medical evacuation coverage
  • Coverage for emergency reunions
  • Return of mortal remains
  • Trip interruption coverage worth up to $5,000
  • Lost luggage coverage worth up to $250 (up to $50 per item)
  • Coverage for terrorism worth up to $50,000
  • Accidental death and dismemberment coverage worth 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

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.

Since seniors and retirees are more likely to face a medical emergency during a trip, most travel insurance plans for seniors include coverage for emergency medical expenses and emergency medical evacuation. Coverages vary among plans, as do limits, so make sure to compare options before you book a trip overseas.

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.

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travel insurance for over 100 days

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travel insurance for over 100 days

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

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

GeoBlue Trekker Choice

Geoblue trekker essential, trawick international safe travels annual basic, trawick international safe travels annual deluxe, allianz travel alltrips basic plan, allianz travel alltrips prime plan, allianz travel alltrips executive plan, allianz travel alltrips premier plan, aig travel guard annual travel insurance plan, usi affinity voyager annual travel insurance, seven corners travel medical annual multi-trip, a plan that didn’t make our list, how annual travel insurance works, when to buy an annual travel insurance policy, what annual travel insurance policies do and don’t cover, understanding trip length rules, 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.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

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.

The 11 Best Annual Travel Insurance Policies

GeoBlue Travel Insurance annual plan comparison chart

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.

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 page banner

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.

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.

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 AllTrips annual plan options

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.

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 AllTrips Premier start quote page

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.

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.

ASI Affinity Voyager annual plan

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).

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.

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.

What Is Annual Travel Insurance?

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.

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.

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.

Couple reviewing financial documents

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.

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.

Family playing at the beach with snorkel

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.

Woman Sick in Bed Sneezing

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.

Frequently Asked Questions

Is yearly travel insurance worth it.

For some, yes. For others, no. Annual travel insurance is worth it when the cost is less than what you’d pay to insure each trip separately or you would prefer to just sign up once then be done for a year. However, annual travel insurance isn’t worth it if you only take a few, mostly domestic, trips a year where your healthcare coverage works, and you don’t have major nonrefundable expenses.

How much does annual trip insurance cost?

Costs vary greatly depending on the type of coverage you want. Annual travel insurance plan costs range from $140 to $500 for a single person. If you take a lot of trips, the cost can be worth it over the course of a year, but each person’s situation is different.

When should I take out annual travel insurance?

You should buy your annual travel insurance policy as soon as you know you’ll have multiple trips in the next year and that the cost of insuring each alone would be higher than the cost of a single multi-trip plan. What’s the break-even point on that cost? It depends on the coverage you want. Look at the different types of coverage and your expected costs for insuring each trip separately, then see if it makes sense for you.

Does annual travel insurance automatically renew?

It varies by policy provider, but some companies have an auto-renew feature to ensure you don’t have gaps in coverage.

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About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and now plans to let his wife choose their destinations. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.


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4 Month Travel Insurance Policies

If you need 4 months travel insurance for an extended trip overseas, you might find that your usual travel insurer can only offer cover up to 45 days or 3 months. In order to get travel insurance for 4 months or even longer, you need an insurer like Navigator Travel Insurance. We specialise in long term insurance for durations of anything from 2 months to 18 months.

We can offer four levels of cover for 4 months travel insurance, our Backpacker , Standard Longstay or Silver and Gold Long Stay policies. These policies are used by a wide variety of different travellers. You may be studying or working overseas, or embarking on a gap year or volunteering abroad .

We take a flexible approach to long stay travel. If you buy a 4 month travel insurance policy, for instance, and your plans change, you can extend the duration by adding extra months.

Click on one of the Quote buttons on this website, select “Long Stay” and get a price for 4 months insurance on either our Backpacker, Standard Longstay, Silver or Gold policy, depending on the level of cover that you require.

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Best Annual Travel Insurance in 2024

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If you’re a frequent traveler, annual travel insurance may be something you’ve been considering. Unlike single-trip insurance, annual travel insurance plans can cover you for an entire year, no matter how often you’re on the road.

Let’s look at the best yearly travel insurance companies, why we choose them and the coverage you can expect.

Factors we considered when picking travel insurance companies

We used the following criteria when choosing which companies we thought were best:

Cost . Annual plans can be expensive — depending on the type of coverage you choose — so we wanted ensure that they stayed affordable. 

Types of coverage . Travel insurance for annual travelers can be limited in its coverage. We picked the ones with the broadest range of coverage for possible travel disruptions.

Coverage amounts . Annual trip insurance isn’t worth much if your limits are too low. Instead, we wanted plans with reasonable coverage amounts. 

Customizability . If your travels take you to different places, you’ll want the ability to customize your plan. The best annual travel insurance plans can provide this. 

» Learn more: What does travel insurance cover?

An overview of the best annual travel insurance

We gathered quotes from various travel insurance companies to determine the best annual travel insurance policies. In these examples, we used a year-long trip by a 22-year-old from Alabama. We indicated the main countries of travel as France and Malaysia, and when asked, put the total trip costs at $6,000.

The average cost for an annual travel insurance plan came out to $220. The plans ranged from $138-$386.

Let’s take a closer look at our top recommendations for annual travel insurance.

travel insurance for over 100 days

1. Allianz Travel

What makes Allianz travel insurance great:

Lower than average cost.

Provides health care and travel insurance benefits.

Includes rental car insurance up to $45,000. 

Here’s a snippet from our Allianz Travel insurance review :

“AllTrips Basic (annual plan) is suitable for those who would like emergency medical coverage while abroad but don't need trip cancellation and interruption benefits. The AllTrips Prime, Executive and Premier plans provide an entire year of comprehensive travel insurance benefits.

The Executive and Premier plans offer various levels of trip cancellation and interruption benefits. The Executive plan is specifically designed for business travelers since it offers protection for business equipment.”

travel insurance for over 100 days

2. Seven Corners

What makes Seven Corners great:

Offers up to $20,000 for acute coverage of pre-existing conditions. 

Includes up to $1 million for emergency medical evacuation. 

Optional add-on for adventure sport activities.

$0 deductible available. 

Here’s a snippet from our Seven Corners review :

“Seven Corners offers one annual policy called Travel Medical Annual Multi-Trip. The policy can be customized depending on how long you plan to be away from home for any one trip. You can travel as much as you like during the 364 days, so long as any one trip doesn’t exceed the option selected — 30, 45 or 60 days.”

travel insurance for over 100 days

What makes IMG great:

Good customizability with medical evacuations and sports coverage. 

Low $250 deductible.

Includes coverage for semi-private hospital rooms. 

Here’s a snippet from our IMG review:

“Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important to you if you travel to a remote location or engage in physical activity such as trekking.

More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.”

travel insurance for over 100 days

4. Trawick International

What makes Trawick International great:

100% coverage for trip cancellation and trip interruption. 

Emergency medical evacuation included. 

Trip delay reimbursement coverage. 

Here’s a snippet from our Trawick International review :

“Trawick International is a comprehensive travel insurance provider that offers trip delay and cancellation insurance, baggage delay coverage, medical coverage and medical evacuation, rental car damage protection, and even COVID-19 coverage among its various policies.

Trawick covers trips for worldwide destinations, including for foreign nationals coming to the U.S.”

What does travel insurance cover?

You’ll find a wide variety of coverage types offered by travel insurance policies. This is true whether you're purchasing a single-trip or annual travel insurance plan. Here are some common types you can expect to find:

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip interruption insurance .

How to choose the best annual travel insurance policy

While we’ve highlighted some of the best annual travel insurance companies, the truth is that the best plan for you isn’t going to be the best plan for someone else. If you’re interested in buying annual travel insurance, you’ll want to collect a variety of quotes to see which policy best fits your needs.

This may mean opting for a plan that covers pre-existing conditions or one that specifically includes high-risk activities. Or, if you’re in a country where health care is notoriously expensive, you may want to choose a policy with higher maximums.

Many credit cards come with complimentary travel insurance .

Whatever the case, do your research first and review all the plan details before making your purchase.

» Learn more: How to find the best travel insurance

If you want to buy annual travel insurance

Annual travel insurance can be a great option if you’re often out of town. With such a wide range of policies available, selecting a plan that fits your needs is easy. We’ve done some of the work for you by choosing the best annual travel insurance companies, all of which made the top of the list for their cost, customizability, types of coverage and plan maximums.

Like any travel insurance policy, the cost of your plan is going to vary. Factors that may affect the cost of your annual travel insurance include your age, where you’re going, how long you’ll be traveling, your policy maximums and whether preexisting conditions are included.

Although not all travel insurance providers offer annual travel insurance, many of them do. We’ve gathered together the five best, including Allianz Travel, World Nomads, Seven Corners, IMG and Trawick International.

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

Chase Sapphire Preferred Credit Card

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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

Chase Southwest Rapid Rewards® Plus Credit Card

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.

travel insurance for over 100 days

Introduction to AXA Travel Insurance

  • Coverage Options Offered by AXA
  • AXA Assistance USA Cost

AXA Customer Service Reviews

Compare axa travel insurance.

  • Why You Should Trust Us

AXA Assistance USA Travel Insurance Review 2024

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Travel insurance is important because it can help cover the cost of unexpected medical expenses while you're traveling. It can also reimburse you for lost or stolen baggage, canceled flights, and other unforeseeable problems that may occur while you're away from home.

Simply put, there's a lot to consider.

But not all policies are created equal, and you must understand what you're covered for before you purchase a policy. This article will look in-depth at AXA Assistance USA travel insurance. We'll discuss the costs, coverage limits, exclusions, and more to help you make an informed decision about whether or not this particular travel insurance provider is right for you.

AXA AXA Assistance USA

  • Trip cancellation coverage of up to 100% of the trip cost
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
  • con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
  • con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

  • Silver, Gold, and Platinum plans available
  • Trip interruption coverage of up to 150% of the trip cost
  • Emergency medical coverage of up to $250,000

AXA Assistance USA is among the best travel insurance companies . It covers the fundamentals of travel insurance, with coverage for trip cancellations, medical expenses, and emergency medical/non-medical evacuation. With three plans, AXA also offers coverage for travelers with various budgets.

It's worth noting that many important add-ons aren't available for AXA's cheapest Silver plan, such as pre-existing condition coverage, rental car add-ons, and Schengen travel insurance. Cancel for any reason coverage is also only available for AXA's most expensive Platinum plan. 

Coverage Options Offered by AXA 

AXA Assistance USA offers three levels of coverage: Silver, Gold, and Platinum. Each plan comes with different protections and varying coverage limits, with the Silver being the most basic option and Platinum offering the most premium coverage.

Some policies might even include added coverage free of charge, such as a waiver for pre-existing conditions , which is free for Gold and Platinum plans as long as you purchase your plan within 14 days of your trip deposit.

Specialized Coverage Options

The plan you purchase will determine which add-ons are available. For example, those with a Platinum plan can add CFAR (cancel for any reason) coverage , allowing you to receive a full refund if you cancel your trip within 14 days of making the initial deposit.

Or, if you want extra protection for your rental car, depending on your AXA plan, you might be able to add a collision damage waiver (CDW). Policyholders with Gold plans can add $35,000 CDW, and those with Platinum plans can include $50,000 CDW.

If you're traveling within the Schengen Territory, which is made up of 27 European countries, you may eligible for Schengen Travel Insurance, which covers you in all 27 countries. This option is only available for Gold and Platinum travelers and coverage lasts up to 90 days.

AXA Assistance USA Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The average cost of travel insurance is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for the plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate AXA's coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  AXA travel insurance quotes:

  • AXA Silver: $83
  • AXA Gold: $107
  • AXA Platinum: $127

Premiums for AXA plans are between 2.7% and 4.2% of the trip's cost, well below the average cost of travel insurance. It's also relatively cheap compared to many of its competitors

AXA provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

  • AXA Silver: $109
  • AXA Gold: $128
  • AXA Platinum: $153

Once again, premiums forAXA plans are between 3.6% and 3.8%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following AXA quotes:

  • AXA Silver: $392
  • AXA Gold: $462
  • AXA Platinum: $550

Premiums for AXA plans are between 6.5% and 9.2%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to Purchase and Manage Your AXA Policy

The process of purchasing an AXA policy is simple. After obtaining your quote, you'll need to decide which of AXA's three plans you want to buy. When you pay for your plan, be prepared to provide additional personal information, like your birthday, phone number, and address. 

Once you finalize your purchase, you'll have a 10-day free look period, in which you can cancel your policy and get your money back. 

How to File a Claim with AXA Travel Insurance

To file a claim with AXA Assistance USA, head to the claims forms online to find the appropriate form. Once you've filled out your form and gathered the required documentation, you can email them to [email protected] or send them by mail to:

AXA Assistance USA

On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies

P.O. Box 26222

Tampa, FL 33623

If you need assistance when filing claims, AXA's claims office can be reached at 1-888-957-5015 (within the U.S.) and 1-727-450-8794 (outside the U.S.). Office hours are 9:30 a.m.-5 p.m. ET on Thursdays and 8:30 a.m.-5 p.m. ET on all other weekdays. 

AXA's U.S. branch has few reviews on Trustpilot and the Better Business Bureau — just over 20 between the two sites. Its UK branch has over 1,100 reviews, most of which are overwhelmingly negative. However, the quality of AXA Travel Insurance UK isn't necessarily indicative of its U.S. coverage. 

In fact, on SquareMouth, where the majority of AXA U.S.'s reviews, reviews are generally positive. It received an average of 4.22 stars out of five across over 900 reviews. Customers reported that adjusting an AXA policy was easy and the customer service team was responsive. However, reviews on the claims process was more mixed, with spotty communication and long wait times. 

See how AXA travel insurance compares to top travel insurance providers.

AXA Assistance USA vs. AIG Travel Guard

When comparing AXA to Travel Guard , we'll look at the coverage levels from their mid-tier plans, the Silver plan and Travel Guard Preferred plan, respectively.

With Travel Guard Preferred plan, you'll get:

  • Trip cancellation coverage up to $150,000
  • Trip interruption coverage up to $225,000
  • Emergency medical coverage of $50,000
  • Coverage for baggage loss, theft, or damage up to $1,000
  • Travel delay coverage of up to $800

Comparing those Travel Guard coverages with AXA's Silver plan, you'll see that AXA's coverage limits are a bit higher. With AXA's Silver plan you'll get $100,000 in emergency medical coverage, for example. And the baggage loss coverage limit is up to $1,500.

If you're looking for greater coverage limits, AXA makes the most sense in this scenario. But premiums will also vary based on factors like the traveler's age, trip destination, and trip cost. So you'll have to run your own numbers to make a final decision.

Read our AIG Travel Insurance review here.

AXA Assistance USA vs. Allianz Travel Insurance

Allianz Travel Insurance provides single-trip and multi-trip insurance for travelers who want to go abroad for an extended period of time. And, like with all insurance, the various plans have varying degrees of coverage.

Allianz Travel Insurance's most popular single-trip option is the OneTrip Prime plan, which offers:

  • Trip cancellation coverage up to $100,000
  • Trip interruption coverage up to $150,000
  • Emergency medical coverage for $50,000
  • Coverage for baggage loss, theft or damage up to $1,000
  • Travel delay coverage up to $800

Looking at AXA's mid-tier Silver plan, you'll see that, again, AXA offers more coverage for emergency medical and baggage loss, theft, or damage than Allianz Travel Insurance. That said, if cost is an essential factor for you, you'll have to get quotes using your personal trip information to make an informed decision.

Read our Allianz Travel Insurance review here.

AXA Assistance USA vs. Credit Card Travel Insurance

Already have a great travel credit card, like the Chase Sapphire Reserve or American Express Platinum? Some of the standard coverages, such as rental car insurance, may be included in the card you already have. It's a good idea to research the terms of your credit card's travel protection before purchasing a separate travel insurance policy.

If you're driving to your destination and don't have any non-refundable trip expenses, the coverage from your credit card may be enough. Another time it might work is if you have health insurance covering you while abroad and you're in good health without worrying about possible medical costs.

It's essential to remember that credit card coverage is usually secondary. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Why You Should Trust Us: How We Reviewed AXA Assistance USA

We researched AXA by evaluating its travel insurance plans compared to other plans from the top travel insurance companies. The aspects we looked at included, but were not limited to, different coverage options, claims limits, what is covered, available add-ons, and extra services for policy holders.

What's important when choosing a policy isn't just the price — it's making sure you're getting adequate coverage that meets your needs without breaking the bank. Filing a claim should also be easy and stress-free if you ever have to use your policy.

Read more about how Business Insider rates insurance products here.

AXA Assistance USA FAQs

If you're diagnosed with COVID-19 before a trip and need to cancel, AXA may cover your expenses. Additionally, a COVID-19 diagnosis during a trip may be covered under AXA's medical expense, trip interruption, and trip delay benefits. Be sure to review your policy to ensure coverage details. 

While you may extend your coverage in certain circumstances, such as extended hospitalization, and update your travel dates prior to your departure, you can't extend AXA travel insurance plans while you're traveling. 

AXA's Gold and Platinum plan cover pre-existing medical conditions as long as you purchase your policy within 14 days of your initial trip deposit. AXA's Silver plan does not cover pre-existing conditions and has a 60-day look-back period. 

You can download AXA claims forms on its website and email them to [email protected].

AXA isn't the most flexible travel insurance company and isn't great at specializing, but it offers comprehensive general coverage. Its prices aren't significantly more expensive or cheaper than its competitors.

travel insurance for over 100 days

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Money latest: These are the most in-demand holiday destinations this year

Welcome back to our Money blog, where we bring you all the latest consumer and personal finance news and tips. This week we're kicking off by talking about holidays (seeing as the sun has finally come out), and we're answering a reader's Money Problem on an undeclared management fee.

Monday 6 May 2024 18:30, UK

  • Bank of England 'not yet ready to cut interest rates'
  • GoFundMe and loan sharks: How Britain's poorest are burying their loved ones in 2024
  • The most in-demand holiday destinations this year

Essential reads

  • Money Problem: My daughter discovered undeclared £600 management fee after buying her flat - can we complain?
  • Cinema first is back - so should movie lovers unsubscribe? 
  • 10 biggest mistakes people make in job interviews I Tell us your job interview mistakes/stories/tips in the comments box
  • Train strikes in May - everything you need to know

Ask a question or make a comment

Qantas is being forced to pay a £53m penalty along with £20m in compensation to passengers following a legal battle over tickets it sold for cancelled flights. 

The Australian Competition and Consumer Commission (ACCC) sued Qantas last summer, alleging the airline had broken consumer law when it sold tickets for more than 8,000 flights without disclosing they had been cancelled. 

One case saw the airline selling tickets for a Sydney to San Francisco flight some 40 days after it had been cancelled, the ACCC said. 

More than 86,000 customers will share the compensation pot, and will be contacted over the next two months.

Gina Cass-Gottlieb, chair of the ACCC, said the airline's behaviour was "egregious and unacceptable".

"Many consumers will have made holiday, business and travel plans after booking on a phantom flight that had been cancelled," she said.

"We expect that this penalty, if accepted by the court, will send a strong deterrence message to other companies."

Qantas's chief executive Vanessa Hudsons said the agreement was a "step forward" to "restoring confidence" in the airline. 

She said the administrative failings were caused by COVID, and that the airline was "sincerely sorry". 

If you'll be affected by the M25 closure this weekend, it's worth noting that an alternative diversion route could slap you with an unexpected ULEZ charge. 

The M25 will be closed in both directions between Junctions 9 and 10 in Surrey from 9pm on Friday until 6am on Monday. 

Official diversion routes will take drivers on A roads crossing from Surrey into London's ULEZ area, but there will be no enforcement action for anyone taking the official route who does not meet the ULEZ requirements.

However, National Highways has warned anyone ignoring diversion signs in an attempt to find shorter alternative routes will be liable for the £12.50 daily ULEZ fee.

Of course, this does not apply to cars that meet the low emission standards.

The ULEZ was expanded to cover every borough of London last year. 

The UK economy would be better off if there were fewer buy-to-let landlords, the country's biggest investment company has said.

Legal and General Investment Management (LGIM) told The Telegraph that "unscrupulous" landlords were "taking people's deposits and giving them a bad experience". 

Bill Hughes, global head of real assets at L&G, said the rental sector needs an overhaul as too many buy-to-let landlords have been "suboptimal and substandard". 

L&G has built a portfolio of 10,000 build-to-rent homes in the last eight years, and predicts traditional landlords will gradually be replaced by purpose-built rental properties managed by institutions.

Single-sex toilets will be legally required in all new restaurants, bars, offices and shopping centres, the government has announced. 

It is set to change building regulations later this year to make it compulsory for premises to provide separate facilities for men and women. 

The move follows an increase in the use of gender-neutral toilets. 

The UK has installed a record number of public electric car chargers this year, figures show. 

Nearly 6,000 new chargers were installed in the first three months of the year, according to Zapmap analysis of government data. 

Some 1,500 of these were rapid chargers. 

A common concern among those hesitant to switch to electric vehicles is range anxiety or the fear of not being able to find a charger. 

By Emily Mee , Money team

Scroll through GoFundMe and it won't be long before you see them.

There's a widow left with her husband's financial struggles. Three young siblings trying to raise funds for their mum's send-off after her sudden death. A 25-year-old domestic violence victim whose family want to give her the send-off she deserves. 

There are scores of pages like this as an apparently increasing number of Britons struggle with funeral costs.

These costs have risen 126% in the last two decades, according to a recent report from SunLife. 

Where families would once have paid £1,835 for a basic funeral, they are now looking at costs of £4,141 on average. 

"People can't afford to bury their dead," says Pastor Mick Fleming, who runs the charity Church On The Street. 

He frequently spends his time helping families pay for funerals and providing his services as a minister for free, although he says there is simply too much demand for his small charity to help everyone. 

Government or local authority grants are available to help families with funeral costs, but Pastor Mick says these can come too late as undertakers will often require a partial payment upfront. 

There's an even darker side to this, too. 

"What we're now seeing is people who are poor can't walk into the bank and get a bank loan - the economy's tough at the minute," Pastor Mick says. 

"They can't get legitimate access to money so they can't borrow it and pay a decent standard rate back, so they have to go to loan sharks."

Many then find it impossible to pay the loan back and face threats from the criminals who lent them the money, says Pastor Mick.

He recalls: "There was a middle-aged lady, she had to borrow the money to bury her son. 

"She couldn't pay the money back so then she started to get threatened and intimidated. People turning up at the house. 

"It was pretty horrendous. She was getting suicidal. She was heartbroken already and she just couldn't get the money together."

The pastor says he was able to negotiate on her behalf - something he is now having to do as part of his charity work - but "you can't do that for everybody". 

A funeral without a service

The number of funeral-related fundraisers increased by 22% on GoFundMe last year, figures shared with Sky News reveal. 

Individual donations to these fundraisers increased by almost 400,000.

Many of these are trying to avoid their loved one being given a public health funeral, which is what happens if families are unwilling or unable to pay. 

Local authorities are legally obliged to carry out funerals in this case, but they are given little guidance from the government on what this should entail - meaning each council will have its own policy on what is or isn't included. 

In some cases, a service will not be offered and a person will be cremated or buried without the presence of family members. 

Other times, the family may be allowed to attend but they might not be able to get involved in the service. 

Generally, people will be cremated, unless they have asked not to be for religious or cultural reasons. 

Those who are buried will often have a grave with no marker, or they may be placed in a communal grave. 

"For someone that's lost a child or a husband or a wife or any loved one where you just haven't been able to provide closure, there's a sense of guilt that goes with it," Pastor Mick says.

As long as funeral costs remain eye-wateringly high, families across the country will be dealing with that guilt. 

This week will see the Bank of England announce its latest interest rates decision - and experts believe borrowers will have to wait longer to see rates come down. 

Policymakers appear set to hold out for stronger signs the cost-of-living crisis has abated, with economists widely expecting the Monetary Policy Committee (MPC) to keep rates at the current level of 5.25%. 

Rates have been held at this level since August last year. 

At the last meeting in March, just one member of the MPC voted for rates to be cut by 0.25 percentage points, but the remaining eight members voted for no change.

Philip Shaw, chief economist at Investec, said: "This broad direction illustrates that collectively the committee is moving gradually towards a rate cut.

"It seems unlikely though to be ready to bite the bullet just yet and the Bank rate looks set to remain on hold at 5.25% for the sixth consecutive meeting."

Andrew Goodwin, chief UK economist for Oxford Economics, said data on services inflation and private sector regular pay growth has "likely extinguished any remaining hopes of a move in May".

As for whether rates could be cut in June or August, he said it is likely to be a "close call". 

Economists at HSBC are also expecting the first rate cut to come in June.

Interest rates are used as a tool to help bring down UK inflation. 

The brewing giant has announced it will invest £39m in revamping 600 of its pubs across the UK - a move that will create more than 1,000 new jobs. 

The investment plan will also see pubs in its retail arm, Star Pubs & Bars, revitalised to appeal to those working from home. 

Sixty-two pubs will be reopened this year and 94 sites are set for full refurbishments. 

The remaining pubs will receive varying upgrades. 

Heineken said it wanted to "broaden each pub's use and appeal" in response to an increase in people working from home, giving customers more reason to visit throughout the day.

The refurbished pubs will have dividing screens to create separate areas for different types of customers. 

Lawson Mountstevens, chief executive at Star Pubs & Bars, said: "Fundamentally, the changes in people's working habits means that in a lot of these suburban locations, you've got more people who are around those areas a lot more.

"It's not rocket science. Those people are looking for pubs of a certain standard."

Aldi remained the cheapest supermarket last month, new analysis shows. 

The retailer has won the crown of cheapest supermarket every month so far this year, according to research by Which?. 

An average basket of 67 popular groceries cost £112.90 - more than £30 cheaper than the most expensive supermarket, Waitrose. 

A basket of comparable items in Waitrose would cost £144.13 on average. 

Here is the breakdown for each supermarket... 

  • Aldi - £112.90
  • Lidl - £115.23 
  • Asda - £126.98
  • Tesco - £128.17 
  • Sainsbury's - £131.02 
  • Morrisons - £134.87 
  • Ocado - £136.86 
  • Waitrose - £144.13. 

Food price inflation has slowed to 4.5%, its lowest level since February 2022. 

Despite being the most expensive, Waitrose and Ocado were the only grocers to win new shoppers in the first three months of the year, according to research by Kantar. 

Every Monday we get an expert to answer your money problems or consumer disputes. Find out how to submit yours at the bottom of this post. Today's question is...

"My daughter recently bought a flat and has since learnt there is an extra £600 a year management fee that was not declared by the vendor during the sales process. We have been told that the vendor was heavily involved in negotiating the management contract. Can we complain?" J Mills

Serena Amani, managing director at Monarch Solicitors , has this advice...

The general principle when buying a property is "buyer beware", which means the onus is on the buyer to perform their due diligence before contracting to purchase.

The buyer's conveyancing solicitor interrogates the contractual documentation and raises relevant enquiries to ensure the full facts and obligations are available to the buyer to make an informed decision.

In this situation, it appears the seller has failed to disclose the management fee - we assume relating to the services provided to the estate.

We can't give specific advice as we don't have access to the contractual documentation. However, we would suggest:

  • To check if the obligation to pay a management fee is set out in the lease if it is a leasehold property, or the transfer deed if it is a freehold property. These documents should contain what services are provided and what the related charges are. The most common scenario is that of a leasehold flat. In this situation the services shall be set out under the service charges section. Generally, there is a provision that allows a management company to charge a management fee as a percentage of the overall service charge bill which is shared among all the leaseholders based on the size of their apartment.
  • If the obligation to pay the management fee is in the contract and your conveyancer failed to notify you of this obligation, there is a potential negligence claim against the conveyancer which can be pursued through their complaints process and escalated to the legal ombudsman.
  • In the rare instance that the management fee is not stipulated in the contract, then you may wish to contact the management company to obtain certified accounts for the services provided and ask them on what contractual basis they are charging a management fee. Management companies are obliged by statute to provide this information.
  • If there is no contractual basis or the fees are unreasonable then you may consider bringing a claim before the property tribunal. The tribunal has the power to make a ruling on the reasonability of the management fees. It should be noted that it can be a long and arduous process and legal fees are not always recoverable even if successful.
  • Where a seller has supplied misleading information about a property that materially influenced the decision to purchase the property, this could give rise to a claim for misrepresentation. Likewise, intentional concealment of this information during the sales process could constitute a breach of contract or misrepresentation. 

For more specific advice, you may wish to contact a property lawyer experienced in the conveyancing process and service charge disputes.

This feature is not intended as financial advice - the aim is to give an overview of the things you should think about.  Submit your dilemma or consumer dispute via - and please leave your contact details as we cannot follow up consumer disputes without them.

  • The form above - make sure you leave a phone number or email address
  • Email [email protected] with the subject line "Money blog"
  • WhatsApp us  here .

The long-awaited arrival of the sun in the last few days may have got you thinking ahead to the summer... which for many means holidays.

New analysis sent to the Money team has revealed the holiday resorts that Britons have been searching for over the last few months - although it's not a particularly sun-soaked destination that has come out on top.

Amsterdam is the most in-demand holiday destination for the UK, according to a study by Desert Safari Dubai Tours. 

The company looked at Google search data over the past 12 months to find which holiday destinations were most popular in the UK, using terms such as "holidays to", "flights to" and "trips to". 

Some 57,507 searches were carried out each month for trips to Amsterdam. 

The second most in-demand was Dubai , with an average of 52,544 monthly searches. 

Here is the rest of the list...

  • New York - 51,169 
  • Paris - 43,326 
  • Tenerife - 43,305
  • Barcelona - 41,664
  • Dublin - 38,801
  • Gran Canaria - 33,907
  • Milan - 28,549
  • Istanbul - 28,097

Meanwhile, data from holiday booking site Expedia suggests Britons are chasing the sun over the summer. 

Its trending destination data shows a 50% increase in searches for mainland Greece - while its islands of Santorini and Corfu remain popular. 

Interest is also surging in Mediterranean gem Malta (up 25%), seen as a more affordable destination. 

Searches are also up 50% for Albania , which has seen a surge in interest due to social media. 

The short-haul hotspot of Tunis has seen searches rocket by 130%. 

We're back for another week of consumer news, personal finance tips and all the latest on the economy.

This is how the week in the Money blog is shaping up...

Today : Every week we ask industry experts to answer your Money Problems . Today, a Money blog reader believes they may have been misled when buying their flat - but what can they do?

Tuesday : This week's  Basically...  explains everything you need to know about the Bank of England, ahead of Thursday's base rate decision. 

Wednesday : We speak to the chef at Tom Kerridge's two-starred pub The Hand And Flowers in Buckinghamshire for his Cheap Eats.

Thursday : It's decision day for the Bank of England, and while interest rates are expected to be held at 5.25%, we may learn more about when a cut will come.  Savings Champion  founder Anna Bowes will be back with her weekly insight into the savings market.

Friday : We will be getting the latest GDP figures on this day - which could signal the UK is no longer in recession. Plus, we'll have everything you need to know about the mortgage market this week with the guys from Moneyfacts.

Running every weekday, Money features a morning markets round-up from the  Sky News business team  and regular updates and analysis from our business, City and economic correspondents, editors and presenters -  Ed Conway ,  Mark Kleinman ,  Ian King ,  Paul Kelso  and  Adele Robinson .

You'll also be able to stream  Business Live with Ian King  weekdays at 11.30am and 4.30pm.

Bookmark  news.sky.com/money  and check back from 8am, and through the day, each weekday.

The Money team is Emily Mee, Bhvishya Patel, Jess Sharp, Katie Williams, Brad Young and Ollie Cooper, with sub-editing by Isobel Souster. The blog is edited by Jimmy Rice.

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travel insurance for over 100 days


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    For a single trip, multiple trips or long term. Covered by most policies. $15/25. IMG. Single trip or multiple trips (travel insurance and travel medical insurance options are available). Waived under set conditions for travel insurance; covered but capped for single-trip travel medical insurance. $17/$94.

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    Annual trip. Annual or multi-trip insurance will cover you for two or more trips within a 365-day period. Each individual trip can't be longer than 31 days. Your policy start date must be within 30 days of the day you compared travel insurance - but your trip can start later. This cover is only for multiple, short trips.

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    This list does the heavy lifting for you as you search for the best senior travel insurance of 2023, so read on to learn about the top picks. Allianz Travel Insurance: Best Annual Coverage ...

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    In order to get travel insurance for 4 months or even longer, you need an insurer like Navigator Travel Insurance. We specialise in long term insurance for durations of anything from 2 months to 18 months. We can offer four levels of cover for 4 months travel insurance, our Backpacker, Standard Longstay or Silver and Gold Long Stay policies.

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