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Long term travel can be a dream come true for many people. Whether it’s a gap year after university, a sabbatical from work, or a retirement adventure, extended travel allows you to explore new cultures, see the world, and gain valuable experiences. However, it’s important to consider the potential risks involved, including the need for medical coverage.
What is Long Term Travel Medical Insurance?
Long term travel medical insurance is a type of travel insurance that provides coverage for medical expenses and emergencies while traveling for an extended period of time. This type of insurance is important because regular travel insurance typically only covers trips up to a certain length of time, usually 30-90 days. Long term travel insurance can range from a few months to a year or more, depending on your needs.
Benefits of Long Term Travel Medical Insurance
The benefits of long term travel medical insurance include:
| Benefit | Description |
|---|---|
| Medical coverage | Covers medical expenses and emergencies while traveling, including hospitalization, doctor visits, and prescription medication. |
| Evacuation coverage | Covers the cost of emergency evacuation to a hospital or medical facility in case of a serious illness or injury. |
| Trip interruption/cancellation coverage | Covers the cost of canceling or interrupting your trip due to unforeseen circumstances, such as a medical emergency or natural disaster. |
| 24/7 assistance | Provides access to a 24/7 assistance hotline for medical or travel-related emergencies. |
Considerations When Choosing Long Term Travel Medical Insurance
When choosing long term travel medical insurance, there are several important considerations to keep in mind:
- Length of coverage needed
- Destination(s) of travel
- Pre-existing medical conditions
- Age of traveler(s)
- Coverage limits and deductibles
- Exclusions and limitations
- Cost of coverage
Conclusion
Long term travel can be an incredibly enriching experience, but it’s important to be prepared for any potential risks or emergencies. Long term travel medical insurance provides the necessary coverage and peace of mind to fully enjoy your adventure. When choosing coverage, be sure to consider your specific needs and travel plans, and compare policies to find the best fit for you.
Frequently Asked Questions
Why do I need long term travel medical insurance?
Long term travel medical insurance provides coverage for medical expenses and emergencies while traveling for an extended period of time. Regular travel insurance typically only covers short trips up to a certain length of time, usually 30-90 days.
What does long term travel medical insurance cover?
Long term travel medical insurance typically covers medical expenses, emergency evacuation, trip interruption/cancellation, and access to a 24/7 assistance hotline for medical or travel-related emergencies.
What should I consider when choosing long term travel medical insurance?
When choosing long term travel medical insurance, consider the length of coverage needed, destination(s) of travel, pre-existing medical conditions, age of traveler(s), coverage limits and deductibles, exclusions and limitations, and cost of coverage.
How long can long term travel medical insurance coverage last?
Long term travel medical insurance coverage can range from a few months to a year or more, depending on your needs.
Is long term travel medical insurance expensive?
Long term travel medical insurance can be more expensive than regular travel insurance due to the longer coverage period, but the cost varies depending on the specific policy and coverage options.