Long-term coverage is best for backpackers or digital nomadic people who will be traveling abroad for a period longer than one month. The policy can last up to 18-months. Many companies also offer optional coverage for watersports and adventurous activities.
You should read all the fine print before purchasing travel insurance for a long period of time. That way, you will know what's covered and what's not. You may not get coverage if you already have a medical condition. So, make sure you disclose this when you apply.
You can also opt for cancel-for-any-reason (CFAR) coverage, which will reimburse you a percentage of your trip costs if you have to cancel your trip due to an approved reason such as an illness or death in the family. This option is available as either a standalone policy or as a rider to an existing comprehensive policy.
If you have a chronic illness or an injury, it's best to purchase a policy that offers emergency medical and evacuation coverage. The policy will cover your transportation costs if you fall ill or are injured while travelling.
Some companies also reimburse for any flight changes due to a delay on your part, for example if you missed a connecting flight or had to wait until one was delayed. This coverage is ideal for long-term travellers who constantly change their plans.
You should buy a policy that has a low deductible so you won't be responsible for any out-of pocket expenses if an emergency occurs. Some policies do have a large deductible. This is why you should shop around to get the best deal.
Choose a travel insurance provider who offers excellent customer service. This will allow you to feel confident in your decision.
For example, Allianz has been the industry leader for over 55 years and is backed by the financial strength of its parent company, Allianz SE. It's the trusted name when it comes to travel health coverage, which provides worldwide coverage for millions each year.
In order to avoid costly medical expenses, you should purchase a travel insurance policy. You also want to be covered in case of illness or accident abroad. A 24-hour hotline is often included in this coverage, so you can contact a doctor and/or lawyer if needed.
The policy may include additional benefits such as emergency treatment and coverage for return of mortal remains. You should consult a travel insurance specialist to determine the type of coverage you require. They can help you navigate the process and suggest the best policy.