Whether you’re spending a few weeks relaxing on a foreign beach or exploring Europe on a month-long vacation, long-term trips are an excellent way to enjoy the world. If you're heading off on a long vacation, it's a good idea to consider protecting yourself and your trip with travel insurance. No matter how well-planned your trip is, unexpected mishaps can still occur, and if they do, you'll want to have a backup plan in place. Travel insurance for long-term trips can provide comprehensive coverage for trip cancellations, interruptions, missed connections, lost or stolen baggage, and more.
Benefits for long-term travelers
Medical protection
24/7 travel assistance
Global coverage
What is considered to be a long-term trip?
A long-term trip is defined as a getaway or vacation that lasts more than a few days. This can include a two-week vacation to Europe or an entire summer spent on a tropical island.
It’s also important to note long-term trips don’t have to take place outside of the U.S. For example, you can receive long-term coverage if you’re traveling for work and have to spend a month at your company’s headquarters out of state. Or, if you plan to take a long vacation while visiting your family in the U.S. over the winter holidays, long-term travel insurance can provide the protection you want for the duration you need.
Why do I need travel insurance for a long-term trip?
Travel insurance is particularly important on longer trips as your chances of encountering an incident while traveling are typically higher.
If you are injured on your trip, have a valuable item stolen, or need to rebook a missed flight, you could end up paying expensive bills on top of your trip’s original cost. Thankfully, travel insurance for long-term trips can help provide financial coverage in these situations. That way an unexpected mishap doesn’t have to ruin your trip or your finances.
What are the benefits of long-term travel insurance?
Long-term travel insurance is beneficial for a number of different reasons:
Medical expenses coverage
Travel insurance can provide coverage for emergency medical and dental expenses. Coverage that provides reimbursement for emergency medical costs is particularly important as it can help you pay for medical bills in the event you sustain an injury or fall ill while traveling. Your individual health insurance doesn’t always guarantee coverage abroad, so travel insurance can help prevent financial loss with unexpected medical bills that can add up.
Lost or stolen luggage protection
Long-term travel insurance can also provide protection if your luggage is lost or stolen. Even when you're extremely careful, there's still a risk of your valuable items getting lost or stolen while you're on the move. Thankfully, travel insurance can cover the cost of replacing your belongings should anything happen while you’re traveling.
Reimbursement for trip delays, cancellations, and interruptions
Travel insurance offers coverage for canceled flights, travel delays, and interruptions. If you have to cancel or cut short a long-term trip because of inclement weather, a serious injury, work-related reasons or more, your travel insurance can help cover the costs. Complications that might cause travel delays - such as severe weather - can also be protected by travel insurance. Yes, with travel insurance, you can receive reimbursement for flight change fees, additional hotel reservations, or other expenses you may incur.
Which Travelex plan is best for long-term travel?
The Travel Select plan is a great option for long-term vacations as it provides comprehensive travel coverage and has the option to include several optional upgrades. The Travel Select plan also offers coverage for trips up to 364 days in length - perfect for a trip that lasts a year or less!
With Travel Select, you can receive coverage up to $50,000 for emergency medical expenses and up to $500 for emergency dental expenses.
The Travel Select plan also offers a maximum of $50,000 in coverage for trip cancellations and up to $2,000 for trip delays. If you’re worried your trip might be interrupted, you can receive reimbursement for prepaid, non-refundable trip costs of up to 150% of your insured trip cost (up to a maximum of $75,000).
Additionally, you have 24/7 access to expert travel assistance that provides medical assistance, prescription assistance, legal assistance, concierge services, and more.
Can I upgrade my long-term travel insurance plan?
Yes! The Travel Select plan offers five unique upgrades that are perfect for long-term travel. For instance, if you plan to take a month-long Italian road trip, you can include the car rental collision upgrade with your Travel Select plan.
The adventure sports upgrade could also prove beneficial on a long-term trip that includes thrill-seeking activities. For example, a two-week-long stay in Patagonia where you plan to climb glaciers would be covered by the adventure sports upgrade. For families that are planning a long-term trip, the additional medical coverage upgrade is another great addition to the Travel Select plan.
If your upcoming trip is a week-long cruise with your grandparents, having extra medical coverage can provide increased financial protection in the event of a medical emergency or evacuation.
Buy a Travelex travel insurance plan today
If you’re planning a long-term vacation, travel insurance can provide the coverage you want to protect yourself and your finances. Get a free online quote for long-term travel insurance today!