If you’re planning and extended vacation, then long stay travel insurance may be what you need to have to get the kind of continuous coverage you want. Most standard travel insurance policies are designed for the 2 – 3 week vacation. Most insurance companies put a limit on the length of stay. That length of stay varies by plan but is usually 90 – 365 days (with a annual multi-trip policy). This is usually more than adequate for most vacation travel.
But not everybody’s travel plans will fit into this window. You may want to enjoy and extended period abroad or students may want to take a year or more and travel the world. What are they to do? That’s where long stay travel insurance can fill a need. These plans offer all the typical coverages that standard travel insurance covers. They include all the needed coverages for trip cancellation and interruption, medical expenses and hospitalization and lost or stolen belongings.
Sometimes these long stay policies will even include coverages that are additional costs with a standard travel plan. I’ve seen some policies that will include adventurous activities like scuba diving or even bungee jumping at no extra cost.
Don’t Confuse This with Annual Travel Insurance
Long stay travel plans will cover you beyond the one year limit. You might get this confused with the annual travel insurance policy, but they are different and serve different purposes. The annual travel insurance plan, sometimes referred to as a multi-trip plan was designed for people who know they will be making more than one trip during the year. It lets you make several trips with the same coverages and not have to repeatedly purchase separate policies each time you travel. Some carriers refer to their annual plans as long stay plans but they only cover you up to one year. Be careful about terminology when comparing policies.
There are some instances where if you over stay your policy time limits the insurance company will let you add a few extra days until you get home. But this will cost you extra of course. If something unexpectedly comes up to delay your return home this option will help you out. But this is certainly not the way to go if you know you’re going to be gone for an extended period.
It Can Save You Money
If you are planning any kind of extended travel it may be worth your while to check out an extended stay travel insurance plan. It will save you money in the long run. It is easy to do. You can get comparative quotes for all kinds of travel insurance right online. You just supply some information about your travel plans – dates, planned length of stay, number and age of travelers and where you plan on going and you can get quotes from leading insurers that have plans that meet your requirements.
Take a little time and do the research. You will find affordable insurance that lets you enjoy your travels knowing you have the right protection for your entire trip. It is certainly worth the peace of mind that it brings.
Compare Quotes for the Best Value in Long Stay Travel Insurance
The easiest and best way to make sure you get the most value for your travel insurance dollar is to compare quotes for annual travel plans from the leading travel insurance carriers. It’s easy, quick and can save you money. Try it here.