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Travel Insurance
28 September 2025
Long-Term
Travel Insurance
Everything You Need to Know About Insurance for Extended Travel
Alexander MilkereitPRO
Introduction
Quick Answer: Long-term travel insurance provides health coverage for trips lasting more than 6-8 weeks, typically up to 1-2 years. It bridges the gap between standard travel insurance and full international health insurance. Costs: €30-150/month depending on destination and coverage.
Planning an extended trip around the world? A sabbatical in Southeast Asia? Or perhaps a year-long backpacking adventure? Standard travel insurance won't cut it – you need long-term travel insurance designed for extended journeys.
Key Facts
6-24
Months Coverage
typical policy duration
€30-150
Monthly Cost
depending on destination
24/7
Emergency Support
worldwide assistance
What is Long-Term Travel Insurance?
Long-term travel insurance is specifically designed for travelers embarking on extended journeys lasting from several weeks to several years. Unlike standard travel insurance (which typically covers 30-90 days), long-term policies provide:
- Coverage for 6 months to 2+ years
- Emergency medical treatment
- Medical evacuation and repatriation
- Trip interruption coverage
- 24/7 worldwide assistance
Who Needs Long-Term Travel Insurance?
Long-term travel insurance is ideal for:
- Backpackers on world trips
- Gap year travelers between studies or careers
- Sabbatical takers exploring the world
- Slow travelers spending months in different countries
- Seasonal workers abroad for extended periods
- Volunteers on long-term international projects
Long-Term Travel Insurance vs. IPMI
It's important to understand the difference:
| Feature | Long-Term Travel Insurance | International Health Insurance (IPMI) |
|---|---|---|
| Duration | Up to 2 years | Unlimited |
| Coverage | Emergencies + basic care | Comprehensive |
| Routine care | Limited or none | Included |
| Pre-existing conditions | Excluded | Often covered |
| Price | €30-150/month | €120-700/month |
| Best for | Travelers | Expats living abroad |
When to Choose What:
- Long-term travel insurance: You're traveling and will return home
- IPMI: You're relocating abroad with no fixed return date
What Does Long-Term Travel Insurance Cover?
Typically Covered
- Emergency medical treatment
- Hospital stays
- Emergency dental treatment
- Medical evacuation
- Repatriation of remains
- 24/7 emergency assistance
- Some outpatient treatments
Usually NOT Covered
- Routine check-ups
- Preventive care
- Pre-existing conditions
- Chronic condition treatment
- Elective procedures
- Pregnancy (unless emergency)
Costs of Long-Term Travel Insurance
Pricing depends on several factors:
- Age: Younger travelers pay less
- Destination: Including US/Canada increases costs significantly
- Duration: Longer trips may have discounted rates
- Coverage level: Higher limits cost more
- Deductible: Higher deductibles reduce premiums
Typical Price Ranges (Monthly)
| Destination | Basic | Standard | Premium |
|---|---|---|---|
| Europe only | €25-40 | €40-60 | €60-100 |
| Worldwide excl. US | €35-60 | €60-90 | €90-150 |
| Worldwide incl. US | €60-100 | €100-150 | €150-250 |
Top Providers for Long-Term Travel Insurance
- World Nomads - Popular among backpackers
- SafetyWing - Monthly subscription model
- Allianz Travel - Established insurer
- AXA - Global coverage options
- HanseMerkur - German provider with good rates
How to Choose the Right Policy
Step 1: Determine Your Needs
- How long will you travel?
- Which countries will you visit?
- What activities will you do (adventure sports)?
- Do you have pre-existing conditions?
Step 2: Compare Coverage
Look at:
- Maximum coverage limits
- Deductibles
- Exclusions
- Emergency assistance services
- Claims process
Step 3: Check Reviews
- Customer service ratings
- Claims payment speed
- Coverage disputes
Common Mistakes to Avoid
Watch Out For:
- Underestimating coverage needs - Don't go too cheap
- Not reading exclusions - Know what's not covered
- Forgetting adventure sports - Often excluded by default
- Letting coverage lapse - Gaps can be costly
- Not carrying proof - Always have your policy accessible
Conclusion
Long-term travel insurance is essential for extended journeys. It provides peace of mind without the cost of full international health insurance.
Not sure which option is right for you? If you're:
- Traveling for under 2 years → Long-term travel insurance
- Relocating abroad → International health insurance
- Need comprehensive coverage → Compare IPMI plans
Ready to Get Covered? Compare travel insurance options or get expert advice on the best coverage for your journey.
