2025’s Best Travel Insurance for 6 Month Trips

A 6 month trip abroad is so exciting. You'll have the opportunity to really get a feel for the countries/cities that you're traveling to, and have ample time to create memories that will stick with you for the rest of your life.

While making all of these lifelong memories, it's important to make sure that you are protected for whatever life throws your way.

Whether you're heading abroad for work, to study, or just for fun, travel insurance is an important part of the journey. In fact, sometimes, it's even required.

In this guide, we're going to take a look at some of the best travel insurance options for a 6 month trip.

What questions need answering before your research begins

Before you start looking at travel insurance providers and policies, it's important to really have a feel for what you need. A little bit of thought work can help you pick the best option for you.

By answering the following questions, you will be able to pick an insurance policy that's aligned with your needs and will also be valid during your entire trip.

What countries are you going to?

First and foremost, you need to know which countries you plan to go to. If you aren't sure yet, don't fret.

The reason this is important to know is that travel insurance policies don't necessarily cover you anywhere you go.

This is a common misconception: Travel insurance covers you while you're traveling. This isn't the case, though. Travel insurance policies cover you where they are valid and for the duration that you choose.

When you're comparing and contrasting policies, you will need to choose one that provides coverage in your destination(s).

If you plan to go wherever your heart takes you, there are insurance policies that offer worldwide coverage (with a few exclusions). Mutuaide through Insurte, for example, is one of them.

What coverage is most important to you?

Long stay travel insurance offers a spectrum of guarantees. You should make sure that the policy you're looking at aligns with what's important to you.

For example, some policies have higher emergency medical cost limits than others. If you want a policy with the highest coverage amounts, you should keep an eye out for it when you're looking through plans.

Are there any requirements you need to meet?

Many countries require visas for long stays. A common visa requirement is comprehensive travel insurance.

If you're applying for a visa, check to see if there are any travel insurance requirements that you need to meet.

On a similar note, there may be travel insurance requirements if you're heading abroad with an organization or program.

If there are requirements you need to meet, the insurance policy itself may also be subject to specific criteria. For example, there may be a minimum emergency cost cover that the policy must meet in order to be in compliance.

When you apply for a visa or are going through the process with an organization or program, they should be able to tell you whether or not travel insurance is mandatory - and what criteria it needs to meet.

What should you look for in a good travel insurance policy (6 months)?

A "good" 6 month travel insurance policy is one that fits your needs. When you're looking at a policy for long trips abroad, you should always make sure you've considered the following:

• The policy meets any requirements you have. This bullet point may not apply to you, but if it does, it's very important. Make sure your policy meets any and all visa/program requirements. Pay special attention to duration, guarantees (especially medical ones), countries you're covered in, and the emergency expense limits.
• The policy covers you where you are going.
• The policy can cover you for the entire duration of your stay. Some long stay travel insurance policies offer long term coverage but have per-trip maximums. This means you could technically have coverage for 365 days, but it's for multiple trips within that year, not one long trip.
• The claim process. It's a best practice when purchasing any type of insurance to get familiar with the claim process before you buy. You want to choose an insurance policy with a simple and transparent claim process.

The best travel insurance for a 6-month trip

For your 6 month trip, there is one insurance provider that comes out on top.

The winner: Mutuaide

Mutuaide through Insurte is a respected, reliable travel insurance provider that offers comprehensive coverage.

Purchasing 100% online through an easy-to-use and secure website, you can get your proof of insurance (or insurance certificate) sent to your email in just a couple of minutes.

Why is Mutuaide the best travel insurance for a 6 month trip?

Through Insurte, Mutuaide covers travelers for up to 365 days (depending on the policy you choose, there may be trip maximums, so check the details before you buy).

The coverage that you receive is comprehensive and top of the line. With Mutuaide, your trip will be covered for:

• Emergency medical expenses abroad (up to €100,000).
• Repatriation and medical evacuation.
• 24/7 travel assistance and support.
• Covid-19 and all epidemics.
• Search and rescue costs.
• Legal fees abroad.
• Legal assistance abroad.
• Advance of bail abroad.
• Lost/stolen passports and papers.
• Qualifying psychological assistance

Additionally, Mutuaide offers worldwide coverage meaning you are covered no matter where you go (though, keep in mind that the term "worldwide" is used generally. There are some exclusions, such as war zones. The specific exclusions can be found in your policy's terms and conditions).

What do I need to know about Mutuaide before purchasing?

Before clicking purchase, double check:

• Destination exclusions (in the terms and conditions).
• That your policy meets any requirements you have.
• Per-trip maximums.

And, remember to always review the terms and conditions before making your final choice.

How to buy Mutuaide long-term travel insurance

You can purchase Mutuaide through Insurte's easy-to-use website. Fast, secure, and intuitive, you will have your travel insurance certificate in a matter of minutes.

FAQs: the best travel insurance for a 6 month trip