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Traveling the world is an exciting adventure, but it’s important to have the right insurance coverage in case of unexpected events. Long term travel insurance is designed for travelers who plan to be away for an extended period of time, typically six months or longer. With so many options on the market, it can be overwhelming to choose the best policy for your needs. In this article, we will explore the top long term travel insurance options to help you make an informed decision.
What is Long Term Travel Insurance?
Long term travel insurance is a type of insurance that provides coverage for travelers who plan to be away from their home country for an extended period of time. This type of insurance typically includes medical coverage, emergency evacuation, trip interruption, and other benefits that are specific to long term travel.
Top Long Term Travel Insurance Options
Here are the top long term travel insurance options:
1. World Nomads
World Nomads is a popular choice for long term travelers. Their insurance policies are designed for adventurous travelers and include coverage for emergency medical expenses, trip cancellation, and personal liability. They also offer 24/7 emergency assistance and are available in over 150 countries.
2. SafetyWing
SafetyWing offers comprehensive medical coverage for long term travelers. Their policies include coverage for COVID-19 and other illnesses or injuries that may occur while traveling. They also offer trip interruption coverage and are available in over 180 countries.
3. Allianz Global Assistance
Allianz Global Assistance offers a variety of travel insurance options, including long term coverage. Their policies include coverage for medical expenses, emergency evacuation, trip interruption, and more. They also offer 24/7 assistance and are available in over 200 countries.
4. IMG Global
IMG Global is a popular choice for long term travelers. Their policies include medical coverage, emergency evacuation, and trip interruption coverage. They also offer 24/7 assistance and are available in over 170 countries.
Factors to Consider When Choosing Long Term Travel Insurance
When choosing a long term travel insurance policy, there are several factors to consider. These include:
Coverage
Make sure the policy covers medical expenses, emergency evacuation, trip interruption, and other benefits that are specific to long term travel.
Cost
Compare the cost of the policy to the coverage offered. Look for discounts or promotions that may be available.
Destination
Make sure the policy is available in the countries you plan to visit.
Length of Trip
Choose a policy that covers the entire length of your trip.
FAQs
| Q: Can I purchase long term travel insurance if I am already traveling? | A: Yes, you can purchase long term travel insurance while you are already traveling. However, some policies may have restrictions on coverage if you have already started your trip. |
| Q: Does long term travel insurance cover COVID-19? | A: Some policies do cover COVID-19, but it is important to check the policy details before purchasing. |
| Q: How much does long term travel insurance cost? | A: The cost of long term travel insurance varies depending on the coverage and length of the trip. |
Conclusion
Long term travel insurance is an essential investment for any traveler planning to be away from home for an extended period of time. The top options for long term travel insurance include World Nomads, SafetyWing, Allianz Global Assistance, and IMG Global. When choosing a policy, consider factors such as coverage, cost, destination, and length of trip. With the right insurance coverage, you can travel with peace of mind knowing that you are protected in case of unexpected events.