long stay travel insurance for over 75

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Best Long-Term Travel Insurance

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Table of Contents

Factors we considered in long-term travel insurance

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

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

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

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

Allianz Global Assistance.

Travel Guard.

USI Affinity Travel Insurance Services.

» Learn more: The best travel insurance companies

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

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

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

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

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

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

» Learn more: What to know before buying travel insurance

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

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

» Learn more: Does travel insurance cover award flights?

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

Allianz Global Assistance

What makes Allianz Global Assistance great:

Easy-to-use website.

Affordable coverage.

Different options for different budgets.

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

Travel Guard by AIG

What makes Travel Guard great:

Includes dental coverage.

Offers security and emergency evacuation coverage .

Missed connection coverage of up to $500.

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

USI Affinity Travel Insurance Services

What makes USI Affinity Travel Insurance Services great:

Budget-friendly option.

Includes emergency medical evaluation. 

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

What makes GeoBlue great:

Certain prescription drugs are covered.

Covers medically necessary COVID-19 testing and treatment .

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

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

What makes Heymondo great:

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

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

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

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

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

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

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

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

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

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

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

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are 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

on Chase's website

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

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

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

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

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

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

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

Allianz Travel Insurance »

Trawick International »

GeoBlue »

IMG Travel Insurance »

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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The Best Travel Insurance Options for Seniors [Ages 65, 70, and Over 80]

Christine Krzyszton

Senior Finance Contributor

306 Published Articles

Countries Visited: 98 U.S. States Visited: 45

Keri Stooksbury

Editor-in-Chief

31 Published Articles 3097 Edited Articles

Countries Visited: 45 U.S. States Visited: 28

Why Purchase Travel Insurance

The cost of travel insurance, preexisting conditions, travel insurance and medicare, covid-19 and travel insurance, world nomads — best for active seniors, allianz — best for annual multi-trip policies, best for covering covid-19 cancellations, best for preexisting conditions, best travel insurance options — age 80 and above, credit card travel insurance, 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.

Our senior years can be some of the most exciting years of our lives. If we’re fortunate, we’ll now have the time, and hopefully, the resources, to make our travel dreams come true.

As we age, however, traveling may pose some additional risks. We may be more likely to have health-related issues and therefore the need to seek medical attention during our journey. We may also have occasions where we need to cancel our plans due to health issues or the health of those around us.

Now, more than ever, we need to think seriously about purchasing travel insurance. The good news is that comprehensive travel insurance, regardless of your age, is widely available and relatively affordable. With that being said, chances are you could use a little help getting started with the process of finding and purchasing the right plan.

If you’re 65 years of age or older and thinking about purchasing travel insurance, don’t pull the trigger without reviewing the information in today’s article on travel insurance options for seniors.

Travel insurance can protect you from financial loss due to unforeseen events that can cause you to cancel your trip or disrupt your trip once it’s in progress. As we age and our health declines, we may be more likely to experience such an event.

Travel insurance can cover the following situations:

• You, a family member, or travel companion becomes seriously ill and you must cancel your trip
• You slip and fall while traveling abroad, require medical care, and are forced to stay in a foreign city until you can travel again
• You are on safari and break your ankle, requiring emergency evacuation to the nearest hospital

The types of coverage you can expect to find on travel insurance policies include the following:

• Emergency medical coverage
• Emergency evacuation
• Trip cancellation, trip interruption , and trip delay
• Baggage insurance and personal effects coverage
• Travel accident and accidental life insurance

You may also elect to add coverage such as cancel for any reason insurance (CFAR) , a waiver for preexisting conditions, or car rental insurance.

What You Need to Know About Age and Travel Insurance

It’s possible to purchase travel insurance at just about any age. If you’re healthy enough to travel, you’ll generally be able to find coverage. You’ll normally be paying more to purchase coverage as you get older, however, and most policies may have preexisting health stipulations.

As age increases, so does the cost of purchasing travel insurance . The good news, however, is that premiums tend to vary widely between companies who offer policies for older travelers, so it pays to compare.

The easiest way to compare policies is via insurance comparison sites such as SquareMouth , InsureMyTrip , or TravelInsurance.com . Travel comparison sites make it easy to compare travel insurance policy pricing and coverage options for all ages.

We’ve used these sites to find most of the comparison quotes provided in this article.

As we age, we’re more likely to have preexisting health conditions, which can be excluded from most travel insurance policies. Once again, the good news is that preexisting condition exclusions are generally limited to a specified timeframe previous to the effective date of your policy.

If you have shown symptoms or been treated within a specified time period before your trip, usually 90 to 120 days, your condition may not be covered for certain coverages such as trip interruption, cancellation, or emergency medical. Each company’s requirements may differ.

Also, on a positive note is that many insurers allow you to purchase a preexisting condition waiver when you purchase your policy.

Health insurance may or may not cover medical costs abroad. And even if there is coverage, evacuation costs may not be included. The same scenario exists with Medicare.

Medicare will not cover medical expenses incurred abroad . There are very limited situations where Medicare may grant coverage, such as if you reside in the U.S. and a foreign hospital (such as a Canadian hospital) is closer to your residence than the U.S. hospital, or you’re traveling through Canada to reach another U.S. state or territory. Also, several terms and conditions apply.

There are Medicare supplement policies you can purchase that can cover you while traveling abroad. You’ll pay a standard $250 deductible, have coverage for 80% of eligible expenses beyond that amount, and have a lifetime cap of $50,000 in coverage.

So even if you have Medicare, a Medicare supplement, or other health insurance policy, there can still be plenty of gaps in coverage when you’re traveling abroad.

For this reason, and the need for additional coverage such as trip cancellation, interruption, delay, baggage coverage, and more, it’s prudent to purchase travel insurance.

Bottom Line: Medicare will generally not cover medical expenses when you’re traveling outside of the U.S. and its territories and Medicare supplement and Advantage policies provide limited coverage. Travel insurance is a wise choice for covering medical expenses and for other travel-related events that could cause you to cancel your trip or disrupt your journey in progress. 

As we advance in age, the chance we will need to cancel a trip due to health-related issues increases. Fortunately, most travel insurance policies cover trip cancellations due to illness. However, travel insurance policies do not cover voluntary cancellations such as canceling your trip due to the fear of getting sick.

Cancel for any reason insurance (CFAR), when added to a travel insurance policy, will allow you to cancel your trip for any reason you deem necessary. It will even cover you if you simply decide not to go.

While CFAR insurance allows you to cancel your trip for any reason, including COVID-19-related issues, the coverage will not reimburse 100% of your costs. The coverage can only be purchased when you purchase your travel insurance or for a short window following the purchase. CFAR insurance can also be expensive.

Our article on COVID-19-related trip cancellations goes into a lot more detail.

Best Travel Insurance Options — Ages 65 to 69

Priorities change as we change and as a result, we may have different insurance needs at age 65 than we do at age 80. Here are some examples of travel insurance plans that might be a fit for travelers age 65-69.

If you’re under age 70, you’ll find comprehensive travel insurance coverage with World Nomads . What sets World Nomads apart from other insurance providers is that they’re experts at insuring active travelers who participate in adventurous activities.

While World Nomads does not offer CFAR insurance, COVID-19 is not excluded as an illness for trip cancellation and emergency medical coverage.

World Nomads only insures those travelers under age 70 and refers older travelers to its partner TripAssure .

For a traveler 68 years of age, traveling to the Netherlands for 8 days, with a total trip cost of $3,000, here are some sample costs.

The main differences in these plans are that the Explorer Plan covers an expanded collection of over 200 covered adventurous activities, has higher limits for trip interruption/cancellation/delay and emergency evacuation, and includes rental car insurance.

Secure your own quote from World Nomads .

Allianz simplifies purchasing travel insurance with its offerings of travel insurance package policies. You can select from single trip policies with several levels of coverage options or annual multi-trip policies that cover every trip you make during the policy period, even ones you haven’t yet planned.

If you travel frequently, or even a few times each year, purchasing an annual, multi-trip plan could be a cost-effective way to protect all your trips.

To learn more about Allianz and its policy offerings , you’ll want to check out our review for details.

Hot Tip: Be sure to compare the price of an annual multi-trip travel insurance policy to a single-trip plan, even if you are only currently planning 1 trip. You may find a better value in the annual multi-trip policy and not have to purchase additional coverage if you should decide to travel again during the policy period. 

Many policies will cover trip cancellation due to getting the virus, but none will cover cancellation due to the fear of getting the virus. To cover cancellations based on the fear of COVID-19, you’ll need a policy that allows you to add CFAR insurance .

The following are just a sampling of companies that offer this option on their policies.

• John Hancock
• Seven Corners

Please note that not every policy these companies offer allows you to add CFAR coverage.

For more information on travel insurance covering COVID-19 , we’ve put together an informative article.

Best Travel Insurance Options — Ages 70 to 79

There are a lot of reasons to embrace the wanderlust and travel in your 70s. By then, many have retired and perhaps have more money to spend on travel. There can also be a sense of urgency to travel while we’re still healthy.

As we’ve mentioned, however, as we age we are more apt to have health issues. Fortunately, this doesn’t mean we’ll be unable to purchase travel insurance. Even into our 70s, we’ll have plenty of travel insurance options, and coverage can still be affordable.

Since travel insurance is meant to protect you from unforeseen events, having a preexisting health condition may rule out any chance of coverage for that issue. However, several companies allow you to purchase a waiver so that preexisting health conditions can be covered.

Here are just a few companies that offer this waiver:

• Travel Guard
• Travel Insured

Each company has its own requirements for adding a preexisting condition waiver to your policy. You must purchase the policy within a specific time period, such as within 14 to 30 days after making your first trip deposit payment. You may also be required to insure the entire cost of your trip and your health must be medically stable when purchasing the coverage.

As a senior, it becomes more and more likely that we will actually have to use our travel insurance coverage as we age. However, even at age 80 or beyond, you’ll still find travel insurance widely available and relatively affordable. Some companies are willing to insure older travelers but charge higher premiums , so it’s wise to compare the pricing of several providers.

Above you’ll find a sampling of 4 SquareMouth quotes for single-trip travel insurance policies that include CFAR insurance for a traveler 80 years of age. The trip’s total cost was stated at $3,000 and was 8 days in length. Quotes ranged from $382 (Seven Corners) to well over $1,000 to insure the trip (not all quotes are shown). Coverage limits can also vary greatly, so it can be beneficial to compare policy limits.

If you’re looking to purchase travel insurance and you’re 80 years of age or older, it’s imperative to compare policies for the best pricing and coverage.

Hot Tip: Seniors ages 65 to 99 who are not interested in CFAR (cancel for any reason) insurance, may consider an annual multi-trip travel insurance plan. Allianz is a company that charges the same premium, regardless of age, for its annual plans for travelers ages 65 to 99 . 

There is 1 type of travel insurance that will cover you, regardless of age . U.S.-issued credit cards come with various types of travel insurance coverages that apply to all primary cardholders.

Typical travel insurance coverage found on credit cards includes the following:

• Lost, stolen, or damaged luggage insurance
• Car rental insurance
• Roadside assistance
• Travel accident insurance
• Travel assistance hotline

Premium credit cards such as The Platinum Card ® from American Express and Chase Sapphire Reserve ® card also come with valuable emergency evacuation coverage. Additionally, the Chase Sapphire Preferred ® card  is known for its comprehensive travel insurance benefits, including primary car rental insurance .

To learn more about which credit cards come with travel coverage, check out our article on the best credit cards for travel insurance benefits.

Bottom Line: The travel insurance benefits that come with U.S.-issued credit cards do not generally have age limits for coverage. However, many credit card travel benefits may be secondary to other insurance you might have. This means that you might first have to file a claim with your own insurance before the credit card insurance is valid. 

As seniors, purchasing travel insurance should be a priority for protecting your investment and preventing losses you might incur due to unexpected medical expenses during your travels.

With wide availability, regardless of age, it’s not only a prudent economic move, but it’s also a move that delivers peace of mind before and during your trip.

Finally, always make sure to compare policies as coverages and prices vary widely between travel insurance providers.

You can learn more about the best travel insurance companies for travelers  and the basics of travel insurance in our informative articles.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

Frequently Asked Questions

What is the best travel insurance for seniors over 65.

Since travel insurance is widely available, even for seniors over 65, the best policy can be found by comparing companies and policies.

Using a travel insurance comparison site such as SquareMouth, InsureMyTrip, or TravelInsurance.com can assist you in comparing coverages and costs between only highly-rated financially stable travel insurance companies.

If you travel more than once per year, consider an annual, multi-trip, policy that covers any trip you take during the policy period.

Does travel insurance cover COVID-19?

Travel insurance is meant to cover unforeseen events. Once COVID-19 was declared a pandemic, it became a known event and is not covered as a reason for canceling your trip plans.

However, there are situations where COVID-19-related claims can be covered. If you become ill with the virus before or during your trip, you may be covered for trip cancellation, trip interruption, or emergency medical.

Does travel insurance cover preexisting medical conditions?

A standard travel insurance policy does not cover ongoing preexisting health conditions. However, many companies will insure you if you have a condition that is stabilized with medicine and no recent treatment has been sought. Requirements vary by travel insurance provider.

Also, many companies allow you to purchase a waiver that will then cover you for preexisting conditions.

Does credit card travel insurance cover flight cancellations?

The trip cancellation, interruption, or delay coverage that comes with your credit card does not cover voluntary flight cancellations.

The coverage does cover some flight cancellations due to unforeseen events such as becoming ill prior to, or during your trip. Coverage varies by credit card issuer but you will find a list of specific covered events in your card’s guide to benefits.

You can also call the number on the back of your card and speak with the claim administer.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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Over 75 Travel Insurance with Medical Conditions Cover – Tailored to Your Health and Age

Over 75s travel insurance with medical conditions – hundreds of pre-existing medical conditions covered*.

Over 75s Travel Insurance with Medical Cover – Explore the world with peace of mind.

We understand it can be difficult to find Travel Insurance once you’re over 75. Many insurance providers push for high premiums or decline cover altogether. At Just Travel Cover, we know there is no age limit on wanting to explore the world, and spend time with family. That’s why we work with a range of specialist insurers to provide high-quality and affordable Travel Insurance for over 75s with or without pre-existing medical conditions.

Our Commitment to Finding Over 75s Travel Insurance

We want to make finding over 75s Travel Insurance fast, easy, and accurate. Our online medical screening only takes a few minutes to complete, and after you’ve answered a series of multiple-choice questions, we will provide you with a range of Travel Insurance quotes tailored to your health and travel requirements. You must declare your medical history, including any important information and pre-existing medical conditions. Our high-quality cover offers policies for hundreds of pre-existing medical conditions ranging from mild to severe, including terminal prognosis. We are available for any questions or advice, so feel free to get in touch with the Just Travel Cover team today.

*Pre-existing medical conditions must be declared, or your policy may be invalid.

Over 75 Travel Advice

Compare over 75 travel insurance, over 75s travel insurance with medical conditions faqs.

Frequently asked questions about Travel Insurance for people over 75 .

Can I get over 75s Travel Insurance with a heart condition?

Yes, at Just Travel Cover, we specialise in helping people of all ages, including over 75s, find Travel Insurance with pre-existing medical conditions cover – even if you’ve previously had a heart attack and/or heart bypass. You will be asked a series of multiple-choice questions during the quotation to give us the information we need to provide you with the right cover for your heart condition, making sure you’re covered should you need any treatment while on holiday. Medical costs overseas can be extremely expensive and lead to life-changing bills if you do not have Travel Insurance for over 75s with medical conditions in place.

Can I get over 75s Travel Insurance with medical conditions cover for diabetes?

Yes, you must declare diabetes during medical screening, and we will show you policies that can cover you, with up to £15m medical cover available. We know that some Travel Insurance providers may not cover your diabetes, but at Just Travel Cover, we specialise in Travel Insurance for hundreds of pre-existing medical conditions , and diabetes is one of the most common. Having the appropriate over 75s Travel Insurance with medical conditions covered in place will mean you’re likely to be covered if you need to cancel due to your diabetes or other unforeseen circumstances.

Can I get Travel Insurance if I’m over 75 and living with cancer?

Yes, if you’re over 75 and living with cancer, we can help find over 75s Travel Insurance with medical conditions to cover whether you’re in remission or not. We aim to provide cover for many types of cancer, including breast cancer, prostate cancer and skin cancer. We will compare several insurers for you to make sure you find the best Travel Insurance if you’re over 75 with cancer. You should make sure the exact type of cancer is declared on your policy, and you answer all questions appropriately – we will then show you a list of providers that can provide the Travel Insurance you need.

If I’m over 75 can I get Travel Insurance to cover mental health conditions?

Yes, we can provide over 75s Travel Insurance for those who are living with mental health conditions such as anxiety and depression. Our policies have up to £15m medical cover and will provide the peace of mind that you’ve got the right support if the unexpected happens. When answering our medical questions, you may be prompted to call us with regards to psychiatric conditions – this is so we can explain the different terms offered by each insurer and provide the chance to include or exclude these conditions. Always check individual limits and exclusions in the policy wording for your chosen insurer.

I'm planning an extended trip and have some health concerns. Do you offer over 75s Travel Insurance for longer stays?

Absolutely! We understand that every traveller has unique needs. If you’re 75, we offer cover for single trips of up to 180 days, aligning with the needs for long term travel insurance for seniors. For those aged 76 and over, the cover extends to 124 days, suitable for those seeking 120 Travel Insurance. 

Additionally, for shorter trips, single or annual Travel Insurance for over 75s may be suitable. Annual Travel Insurance covers unlimited trips, each up to 93 days if you are 75, and 45 days for ages 76+, perfect for those looking for 45 day Travel Insurance. Our long stay Travel Insurance with pre-existing medical conditions is specifically tailored for seniors like you embarking on extended journeys. To ensure the most customised protection for your holiday, please provide all relevant medical details when getting a quote.

How close to my holiday should I buy Travel Insurance for over 75s?

With single-trip policies, cancellation cover is in place as soon as you purchase your policy. In the words of Martin Lewis, you should book your Travel Insurance for over 75s ASAB, as soon as you have booked your trip. This ensures that essential cancellation cover is in place, protecting you from losing out if you need to cancel your trip due to unforeseen circumstances.

Travel Insurance for Over 75s with or without Pre-Existing Medical Conditions – All Ages, All Stages

Just Travel Cover offers five-star quality cover for hundreds of medical conditions at all levels of severity, including a terminal prognosis – with no upper age limit on single-trip policies.

Just some of the conditions we cover:

• Heart Conditions
• Cholesterol
• Joint Problems (arthritis, back pain)
• Mental Health Conditions
• Liver Conditions
• Breathing Conditions
• Circulatory Conditions
• Disabilities and many more

To ensure you are fully covered in the event of a claim, please declare all your medical conditions in full.

Fast, Easy, and Accurate Online Medical Screening

Our online medical screening will take you just a few minutes to complete. You will be asked a series of multiple-choice questions to give us the information we need to provide you with Travel insurance quotes tailored to your health and travel requirements. Please have the following to hand:

• Your medical history with important dates
• Names of all your pre-existing medical conditions

Need other Travel Insurance options? Explore related terms:

• Over 60 Travel Insurance with Medical Conditions
• Holiday Insurance for Over 50s

Instant Cancellation Cover

Our online quote and medical screening engine enables you to compare and buy travel insurance quickly and easily. Cancellation cover starts immediately from the moment of purchase for you and all the travel companions you include in the policy, so you can relax and focus on getting ready to have a wonderful holiday.

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How to Buy Travel Insurance for Long Trips

Calculate your trip costs with care.

When you’re buying insurance for your long trip, you’ll need to enter your actual trip costs in order to get trip cancellation/trip interruption protection. These are the non-refundable costs you pay ahead of time for your trip, not incidentals like meals or shopping. Trip costs may include:

• Cruise fare
• Train tickets
• Other transportation costs
• Hotel/lodging costs
• Vacation rental costs
• Tour or excursion costs
• Tickets to shows, events or attractions
• Ski lift tickets

It can be tough to remember everything when you’re planning an extended trip. When you’re getting a quote , click the little calculator icon in the Trip Cost field to get help adding everything up.

What if your trip costs increase before you leave, or while you’re traveling? Contact us if that’s the case, and we can help adjust your coverage.

Trip interruption benefits is especially important for long trips.

Trip interruption benefits can reimburse you for non-refundable, pre-paid trip costs when you have to interrupt your trip or end it early due to a covered reason. But that’s not all it covers. Trip interruption also can cover these costs following a covered interruption:

• Extra accommodation fees, such as a single supplement fee from a cruise line, if you prepaid for shared accommodations and your traveling companion has to interrupt their trip.
• Reasonable transportation expenses to continue your trip or return to your primary residence. Let’s say you’re spending months island-hopping in the Philippines when you get word that your sister is seriously ill. Your trip interruption benefits can reimburse you for the cost of your flight back to the United States.
• Additional accommodation and transportation expenses if the interruption causes you to stay at your destination (or the location of the interruption) longer than originally planned. For example: You’re walking the Camino de Santiago through Portugal when you sprain your ankle. The injury isn’t severe enough to cancel your trip, but you need three days to rest and recuperate in a hotel. Your trip interruption benefits can reimburse you for the extra cost.

Even on the longest trips, Assistance is just a phone call away.

When you have Allianz Travel Insurance, you never travel alone. Every plan includes 24-hour assistance , accessible by phone or via the Allyz ®  TravelSmart app . Our staff of multilingual problem solvers is here to help with medical emergencies and travel-related problems, wherever you happen to roam.

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

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Travel Insurance

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

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

Covered 27 million+ travellers

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With long stay travel insurance 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

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Senior long stay travel insurance

If you are planning to spend an extended period abroad perhaps during the winter months when it's so cold at home or at a home you own abroad during the summer then you will need to take out a specific travel insurance which covers you for extended periods abroad.

Our long stay travel insurance policies for Seniors provide comprehensive cover however it is very important that you choose a policy which provides you with the flexibility you need.

Getting a Quote

Comprehensive senior long stay travel insurance covers the policyholder for insurable events that may occur before or during travel, such as trip cancellation or journey interruption, medical expenses for injury or illness, theft of valuables, baggage damage and more.

What about the EHIC, Isn't that enough?

Senior long stay travel insurance cover is available for:.

Individuals, Couples of either sex who reside at the same address

Durations between 31 days and 18 months

Cover for trips in the United Kingdom, Europe, Worldwide including Australia, United States & Canada

Cover for travellers aged between 65 and 99

A wide range of sporting activities including skiing, diving, bungee jumping

Travellers with  pre-existing medical conditions  including standard cover for over 1000 conditions

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Medical coverage

Limits and Exclusions

(1) Cover limited to the Standard, Premier, Premier+, Voyager and Voyager+ single trip and annual multi trip travel insurance policies.

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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.

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

5% OFF your travel insurance

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

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

What is long-term travel insurance?

Long-stay travel insurance coverage comparison

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

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

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

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

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

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

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

Who is insurance for long-term travel for?

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

Extended stay travel insurance for long trips

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

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

Long stay travel insurance for working abroad

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

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

Travel insurance for expats

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

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

Long-stay travel insurance for students

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

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

Round-the-world trip insurance

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

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

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

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

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

Insurance for digital nomads

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

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

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

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

Long-term travel insurance price comparison

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

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

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

Best long-term travel insurance

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

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

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

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

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

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

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

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

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

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

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

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

2. World Nomads , the best gap year travel insurance

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

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

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

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

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

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

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

4. SafetyWing , the best insurance for digital nomads

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

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

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

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

What does long-term travel insurance cover?

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

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

Is long-term travel insurance worth it?

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

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

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

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

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

Ascen Aynat

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

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

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

Let me know if you have any questions, Ascen

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Let me know if you have any questions,

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

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

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Policy Summary:

3 Options available including: Cruise Cover Option, Winter Sports Cover Option, Sports Travel Insurance... see all

Why Choose Able2Travel?

• Specialists in travel insurance for people with existing medical conditions
• Full Cover available for 1,000s of conditions
• Instant cover by telephone or quick and easy online screening in a few minutes
• Great value cover also available for you and everyone travelling with you

Over 75's Travel Insurance with pre-existing medical conditions

Able2Travel Over 75's Travel Insurance

Looking for travel insurance with health conditions cover, or for travel insurance over the age of 75? You may find that some travel insurance companies don’t provide you with a quote and therefore you don’t have the same number of options as those available for younger travellers.

That is not the same for Able2Travel Travel Insurance, as we provide a safe and simple solution for those aged 75 and over with pre-existing medical conditions looking for travel insurance. With different levels of cover to choose from, you are able to tailor a policy to meet your individual requirements.

Please note: The Able2Travel Travel Insurance policy provides cover for people up to the age of 79 on an annual multi-trip basis.

There is  No Age Limit on Single Trips for areas 1-3 and up to 79 years of age for area 4. Please refer to the policy wording for more information on territorial limit areas 1-4.

Why choose Able2Travel Travel Insurance for over 75s?

Able2Travel Travel Insurance has over 15 years of experience in finding travel insurance cover for travellers over the age of 75. Additionally, we have experience in providing travel insurance for over 75 with medical conditions.

So whether you are looking for travel insurance for high blood pressure, a heart condition or for another medical condition, you can be assured of receiving a fast, sensitive and competitively priced travel insurance solution that does not get in the way of your travel plans.

What Medical Conditions Has Able2Travel Travel Insurance Covered in the Past?

Able2Travel Travel Insurance has previously provided travel insurance cover for people with a wide number of medical and health conditions, including:

• Asthma / COPD
• Breast Cancer
• Heart Attack
• High Blood Pressure
• Kidney Disease / Dialysis
• Skin Cancer
• Bowel Cancer
• Crohn's Disease
• Heart Disease (and other heart conditions)
• High Cholesterol
• Prostate Cancer
• Stroke / TIA

...and many more

If you have been diagnosed with any of these pre-existing medical conditions, it is important you declare them when taking out a travel insurance policy at Able2Travel. If you do not declare your pre-existing health condition, it can make your travel insurance policy invalid when it comes to making a claim.

To declare your medical conditions for your travel insurance policy, you can do it by completing our medical screening process online. Alternatively, you can speak with one of our specialists by the phone to complete this process.

Are You Looking for Travel Insurance While On A Waiting List?

If you’re currently on a waiting list for treatment or surgery for a diagnosed medical condition, this doesn’t necessarily mean you can’t or shouldn’t travel. Here at Able2Travel, there’s a strong possibility that we may be able to find you a Travel Insurance solution, so you can travel with peace of mind while on a waiting list.

We may even be able to find you cover just in case you have to cancel or end your holiday early, due to a change of date for your treatment or surgery, which many other insurance providers simply can’t offer.

To get a quote for Travel Insurance while on a waiting list for medical treatment, please contact Able2Travel on  +44 (0)1483 806 826  to speak with one of our specialists.

What does our Able2Travel Travel Insurance for Over 75 with pre-existing medical conditions Cover?

Our over 75 travel insurance with medical condition offers competitive protection for your trip including a wide range of policy benefits such as:

• Trip Cancellation - up to £5,000
• Emergency Medical Cover – up to £10 million
• Baggage - up to £3,000
• Travel Delay & Missed Departure - up to £1,000
• Travel Accident - up to £20,000

Other Areas of Cover Included as Standard

• Cover for 1,000s of Medical Conditions
• Cruise Cover
• Loss of Travel Documents - up to £500
• Plus so much more...

Additional Cover Available

• Optional Sports Cover
• Additional Cover for your cruise - including missed port cover

Click here to see the full Able2Travel Travel Insurance Table of Benefits.

What COVID Cover Is Available on Able2Travel Travel Insurance For Those With Medical Conditions?

All our Able2Travel Medical Condition Travel Insurance policies include Coronavirus (COVID-19) cover at no additional cost. However, our policy will ONLY provide cover for claims directly or indirectly related to a pandemic and/or epidemic, including but not limited to Coronavirus (COVID-19) within the following sections:

• Section A – Trip Cancellation
• Section B – Trip Interruption
• Section C – Travel Delay & Missed Departure
• Section F – Emergency Medical Cover/Dental Cover Abroad
• Section G - Emergency Transportation

You can find full details of what is and isn't covered in relation to Coronavirus within the policy wording .

Click the “Get a Quote” button to get specialist medical travel insurance with COVID cover to protect your holiday.

Over 75 Travel Insurance - Policy Features

Able2Travel Travel Insurance offers 3 levels of cover for both Single Trip and Annual Multi-trip policies, enabling you to pick a policy that is suited for your individual needs.

The policy features table below will help you understand the different features on Single and Annual Multi-Trip policies depending on the level of cover that you choose.

*Available to extend to 45 days or 60 days for an additional premium.

**Available to extend to 45 days for an additional premium.

If you would like to contact us either email us at: [email protected] , or call us on +44 (0)1483 806 826 .

How do I get an Over 75’s Travel Insurance Quote?

It’s quick and easy to get an Able2Travel Travel Insurance quote for people over the age of 75: just click the ‘Get a Quote’ button to get a quote online, or if you prefer to speak with someone then you can call our team direct on 01483 806 826 .

All over 75s travel insurance enquiries are dealt with on a case-by-case basis. In addition to the Able2Travel Travel Insurance policy, our specialists have access to a wide range of insurance options and will assist you in finding cover for all medical conditions. The Able2Travel Travel Insurance policy is used whenever possible and a suitable alternative travel insurance policy may be offered for more serious health problems, so you can find the cover you need with one call to Able2Travel Travel Insurance.

For an over 75s travel insurance quote please call 01483 806 826 or click the button below!

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Prefer to talk to us, additional travel insurance policy options for seniors, cruise cover option, winter sports cover option, sports travel insurance.

Add Optional Cruise Cover to your Able2Travel Travel Insurance policy to include specific cruise related cover for Missed Port, Cabin Confinement, Low/High Water, Shore Excursions, and Denied Boarding.

Winter Sports Cover will provide protection for lost, damaged or stolen ski equipment whether its owned or hired, and cover in place should you miss any prepaid activities.

Add the Sports Cover Option to your Able2Travel Travel Insurance policy if you plan on taking part in sports whilst on your trip, including Golf!

Important Information for Customers with Serious Medical Conditions

MoneyHelper has developed a directory of specialist travel insurance to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance. If we are unable to help you and you are struggling to find medical cover that suits your needs, due to a serious medical condition, you may find a company that can help you through the MoneyHelper travel insurance directory www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory  or by calling 0800 138 7777 - Monday to Friday, 8am – 6pm. 

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Long stay travel insurance for over 70s: The biggest myth in the industry?

While the UK travel insurance market continues to develop, numerous myths might stop you from travelling. One such myth surrounds long stay travel insurance for over 70s, with many thinking this is impossible to secure. Fortunately, this is not the case!

• While historically challenging to find affordable long stay travel insurance for those aged over 70 - the market has changed.
• Many insurance companies include long stay travel cover as part of single trip and multi-trip policies.
• There is a growing trend for standalone long stay travel insurance cover for those into their 70s, 80s and 90s.
• As competition continues to grow we have seen a significant tightening of premiums, benefiting consumers over 70 years of age.

Long stay travel insurance for over 70s: FAQs

Is it possible to buy long stay travel insurance if i am over 70 years of age.

Yes. As you can see from the above list, many insurance companies recognise the growing number of people over 70 years of age looking towards extended travel.

Are there age restrictions on long stay travel insurance?

While the conditions will vary from company to company, you may find there are age and/or trip duration restrictions on some policies .

Do these policies cover pre-existing medical conditions?

The vast majority of long stay insurance policies will cover pre-existing medical conditions where the insurer has been informed. However, it is important to clarify the situation prior to paying for travel cover.

What if my trip is extended over the maximum insurance term?

If you have travel insurance for 90 days , or another specified period, and your trip ends up being longer, you would not be covered unless you negotiated an extension or new policy.

When looking for travel insurance for over 70s , there appear to be several restrictions at first glance. You will notice that some of the leading travel insurance companies reduce the maximum cover for single travel and annual policies for older clients. So, where do you start if you are over 70 and looking to take an extended break? 

Thankfully, there are a growing number of insurance companies offering extended travel cover for over 70s . Let’s look at what’s available and from what providers.

While there are no age restrictions with Free Spirit, there are limitations on extended travel. On the surface, it would appear that Free Spirit does not offer extended travel insurance for those over 76. 

However, if the duration of your trip extends beyond the time or age limit restrictions, you can contact the company directly. They will be able to quote you for single trip cover for an extended duration, moulded around your particular requirements.

Whether you're looking for single-trip, multi-trip, or specialist cover, or need assurance about pre-existing medical conditions, our panel of travel insurance providers has you covered. Click on your chosen provider below to get started.

• Some restrictions based on age

While long stay travel insurance for over 70s can be challenging to find with some insurance companies, this is not the case with Globelink . This is available through the company's comprehensive annual insurance policy, offering:

• Trip durations up to 15 months, extended to 18 months with prior approval
• Long stay insurance is available up to 89 years of age

If you have any questions or queries, you can contact the company directly for more information .

Avanti offers a useful standalone long stay travel insurance policy if you're looking at extended trips. Further information is available on the website. However, the maximum length of cover reduces from 550 days if you're under 65 to 123 days if you're between 71 and 75. Consequently, it is sensible to contact Avanti directly to ensure you get the best deal for your travel plans.

Staysure offers a standalone long stay travel insurance package allowing over 70s to travel for extended periods. If you're between 71 and 75 years old, you can:

• Travel to European destinations for up to 366 days
• Travel to Bermuda, Canada, China, Hong Kong, Mexico, Singapore, Thailand, islands of the Caribbean and the USA for up to 123 days
• Travel elsewhere for up to 184 days

Over 75s can travel anywhere for up to 104 days with a standard single trip policy.

Whether travelling in the UK or overseas, a Saga single trip insurance policy covers you for up to 120 days. The Saga annual travel insurance policy traditionally covers you for trips up to a maximum of 45 days. However, there is the option to extend this to 60 days or 90 days for an additional payment.

Allianz Travel Insurance

Allianz offers both single trip insurance, up to 180 days cover, and annual travel insurance, limited to 31 days cover per excursion. However, it may be possible to request an insurance quote moulded around your requirements.

AllClear Travel Insurance

AllClear Travel Insurance offers both single trip insurance for up to 94 days at a time, and annual travel insurance, limited to 45 days per trip as standard, but with the option to extend to 55 days. AllClear Travel Insurance also offers flexible long-stay travel insurance policies that you can tailor to your needs depending on destination and planned trip duration.

Medical Travel Compared

As Medical Travel Compared allows you to compare travel insurance policies from various providers, we cannot provide a definitive outline of cover parameters. However, such is the variety of policies available that you’re sure to be able to find a long-stay travel insurance policy for your needs, along with any other type of travel cover you may require.

Insurewithease.com

While not one of the mainstream insurers, Insurewithease.com offers an excellent package for those over 75 looking at long stay travel. The policy covers single trips of up to 3 months in length without any age limit.

RAC travel insurance is very competitive for over 70s looking at extended trips. There is no upper age limit on the single trip policy, which covers up to 94 days for any one trip. It is a little different for the annual multi-trip cover, with two of the three options offering up 62 days' cover per trip. However, the RAC Black Travel Insurance package covers a maximum trip of 92 days. The upper age limit for the annual multi-trip cover is 80 years of age at the start of the policy.

Post Office

Post Office travel insurance caters for over 70s, with some restrictions. When looking at economy, standard and premium single trip policies, they cover maximum trip durations for different age groups:

• Up to 70 years of age, one trip of 365 days
• 71 to 75, maximum trip duration of 90 days
• 76 to 85, maximum trip duration of 31 days

The maximum trip duration for annual multi-trip policies is up to 60 days, but there may be an additional premium.

esure offers two packages: 

• Single trip policies for those aged up to 84 with a maximum trip limit of 90 days. 
• Cover for up to 45 days per trip for those aged up to 74 with a multi-trip policy. 

Sainsbury's

Many people prefer to deal with recognised brands, which prompted the likes of Sainsbury's to enter the travel insurance market. The single trip travel insurance policy has no upper age limit with a maximum trip duration of 94 days. The platinum annual multi-trip policy offers cover for a maximum of 92 days per trip. However, there is an upper age limit of 80 for this policy.

Keen-eyed readers will also note that Sainsbury's offers an extended stay travel insurance package. Unfortunately, while providing cover for up to 548 days, this policy has an upper age limit of 65.

Busting the myths of long stay travel insurance for over 70s

Thankfully, competition in the UK travel insurance industry has prompted the emergence of numerous companies offering long stay travel insurance for over 70s . While many people focus on overseas travel, most of these policies also cover UK trips. The only condition with UK trips is a minimum of two consecutive nights in recognised accommodation facilities.

It is essential to look at the detail for each insurance provider as some offer long stay travel cover as part of a:

• Single trip policy
• Annual multi-trip policy
• Standalone long stay insurance package

Some travel insurance companies also offer an ad hoc service where they can provide a specific quote around the duration and destination of your intended trip. However way you look at it, there is significant competition and availability for those over 70 looking at extended travel insurance.