3 Month Travel Insurance: Everything You Should Know

Careful planning is the key to a successful 3 month trip overseas - especially when it comes to protecting yourself.

Getting the right travel insurance for your trip is important, whether you're heading abroad for work, vacation, or something else.

In this guide, we're going to take a look the best 3 month travel insurance policies. We'll also talk about:

• What you need to know.
• Coverage options.
• How to choose the best plan.

Why you need 3-month travel insurance

Longer trips come with risks, and when heading overseas, travel insurance is always recommended.

If you have a medical emergency while you're abroad, not only can expenses be high, but the entire process can be confusing if you're unfamiliar with the local facilities.

Travel insurance covers emergency medical costs and helps you navigate the entire process to get you the crucial care you need exactly when you need it.

On top of that, travel insurance might even be mandatory, particularly if you are applying for a visa.

What does 3 month travel insurance cover?

What your 3 month policy covers depends entirely on the one that you choose. Different policies offer different types of coverage, but they all cover emergency medical costs to some extent.

Below are some of the coverage options you might see within your travel insurance plan. Again, keep in mind that the exact coverage depends on the exact policy.

Emergency medical

• Emergency medical costs up to a specific amount.
• Emergency hospitalization.
• Emergency surgery.
• Medical evacuation.
• Repatriation (including of mortal remains).

Covid-19 and all epidemics

• Depending on the policy, Covid-19 and all epidemics may be covered (including or excluding quarantine costs).

Lost, Stolen, or Delayed Baggage

• Some policies offer assistance for lost, stolen, or even delayed luggage.

24/7 travel assistance and support

• Access to a dedicated support line to answer any and all questions that you have during your travels.

Search and rescue costs

• Search and rescue costs for hiking, skiing, etc.

Legal support

• Your policy might cover legal assistance.
• Legal fees abroad.
• Advance of bail.

While these are some of the common guarantees, there are other types of coverage that you might see in a policy, too.

How to Choose the Best 3-Month Travel Insurance Plan

There are many different insurance providers out there on the market, and the "best" one depends on your needs as a traveler.

Do you need travel insurance as part of a visa application, for example? Are you concerned about high medical expenses?

The best option for you is the one that meets your needs.

There are several things that you should pay attention to when you're finding the best option for you.

Coverage limits and exclusions

Not all plans cover the same things. Make sure you check the terms and conditions, paying special attention to:

• Maximum medical coverage.
• Exclusions.
• The claim process.

Overall value

• Compare different policies to find the one that is the best value.
• See if flat rate options are more affordable than per-day rates.
• Ensure it includes the coverage you actually need (not just the cheapest plan).

Maximums

If there's a chance your trip could stretch beyond 3 months, choose a policy that you can extend.

How much does 3 month travel insurance cost?

The cost really depends on where you purchase your policy and which one you choose. In addition to that, the price varies depending on:

• The duration of your trip.
• The amount of coverage you want/need.
• How many people need coverage (just you, your family, etc.).

That being said, travel insurance usually costs a few dollars per day, though there are flat rate options that can be friendlier for the wallet when it comes to extended trips (such as 3 months).

Tips for buying your 3 month travel insurance

Before you hit purchase, there are a few things that you should keep in mind to make sure you're getting the best policy for you.

Compare multiple policies and use a travel insurance comparison tool (such as Insurte's).

Read the terms and conditions, even if they're long. The terms and conditions tell you everything you need to know, and you will likely find information that's not readily available on the purchasing page.

Check for exclusions. All policies have exclusions and it's important that you know exactly what those are before dedicating to a plan.

Check the trip maximums. Some policies, particularly ones for long stays, have per-trip maximums. While the policy might cover you for an extended period of time (such as 365 days), there may be per-trip maximums within that window.

Know the claim process ahead of time, as there may be specific things you have to do in order to have your claim approved.

Know the requirements. If you're applying for a visa or need travel insurance for a program or course, make sure that you understand the requirements and that the policy you choose meets them.

Understand where you're covered. Not all policies cover you everywhere you go. Make sure you check where the policy covers you.

The best 3 month travel insurance

There are several options to protect your 3 month journey. We've hand-picked some of the best options for you here.

Mutuaide

Mutuaide through Insurte is a great option for travelers, covering you worldwide (generally speaking, there are a few exclusions).

With high medical coverage (including repatriation, Covid-19, and all epidemics), search and rescue, legal assistance/fees, and more, Mutuaide offers comprehensive insurance for travelers.

Available at a per-day rate, or a flat rate depending on the policy, you can get up to 365 days of coverage with Mutuaide (though keep an eye out for per-trip maximums).

💡 If you are getting a Schengen visa, Mutuaide through Insurte is 100% visa compliant.

AXA

AXA through Insurte is another excellent choice for travelers.

Through Insurte, AXA offers coverage for the Schengen area (29 countries in Europe), as well as the UK, Ireland, Cyprus, and French overseas territories.

Coverage includes medical emergencies, repatriation, Covid-19, legal fees, search and rescue costs, and more.

AXA is available at a per-day rate or a flat rate, depending on the policy.

💡 If you are getting a Schengen visa, AXA through Insurte is 100% visa compliant.

FAQs: 3 month trips and travel insurance