Can You Extend Long Stay Travel Insurance in 2025?

Short answer: yes, though it's not possible not in every single case.

If you're planning a long term trip overseas, it's important to know whether or not you can extend your travel insurance. This way, you are covered if you end up staying longer than you had planned.

Having to extend travels can happen for so many reasons, so it's essential that you know whether or not you can renew your policy before you travel, just in case you find yourself in that scenario (even if you aren't planning on it).

Luckily, in many cases, you can extend your travel insurance policy - but not always. This is especially true for long term trips where you will be spending a lot of time traveling.

However, there are options for you!

In this guide, we're going to take a look at when you can extend your long stay travel insurance, when you can't, and what to do should you encounter a situation that could potentially leave you without coverage.

Can you extend long stay travel insurance?

It depends on the policy that you have, but it's generally possible.

Travel insurance policies have coverage maximums. This means that you can only be covered for a specific number of days. Some long stay policies can cover travelers for 90 days, 120 days, or even 365 days. Once that threshold is hit, it isn't possible to extend.

If you haven't met the maximum duration, though, you can typically extend your long stay travel insurance. With that being said, you can only extend it up to the maximum duration of the policy. You can check what the maximum is by looking on the website where you purchased your policy or in the terms and conditions.

It's also helpful to understand that there may be rules about how you need to extend your policy and when it needs to be done. This is important so you don't have any gaps in coverage, leaving you unprotected while overseas.

To know whether or not you're able to extend your specific policy, look for:

• Maximum policy durations. Check to see if you've already met the maximum duration of the policy.
• How you should extend your policy, like through contacting customer service for example.
• When you need to extend your policy.

How to extend your long stay travel insurance

How you extend your long stay travel insurance depends on where you purchased your policy. Different providers may have different methods.

If you purchased it through Insurte, you can reach out to their customer support and ask for an extension. If it's possible to extend your travel insurance, their support will help you through the process. Keep in mind you will need to pay for additional days added.

If it isn't possible to extend the policy (because you've already exceeded the maximum), you will be told that this is the case. In this event, make sure to talk to support about what your options are so you can remain covered throughout the remainder of your journey.

In any case, you must extend your travel insurance before it expires.

I've met the maximum - now what?

If you have already met the maximum duration of your long stay travel insurance policy, you should contact customer support if you need more coverage.

They will be able to work with you to figure out the best solution for your unique situation. In the worst case, you can likely purchase an alternative option (a new policy). Their expert support staff will be able to help you find the best option for you.

Even if you know that your trip will meet the maximum duration, you should still contact your insurer before the policy expires to avoid gaps in coverage.

What happens when my long stay travel insurance expires?

When your long stay travel insurance expires, you will no longer be covered by your policy.

This means that even if something your policy covers occurs (such as a medical emergency), you will not be able to make a claim or rely on your travel insurance, as its expiration date has passed. This means that you are no longer covered.

If you're still traveling, that can be a problem, as a lapse in coverage leaves you unprotected.

This is why it's important to see what your options are for extending your policy before your current policy's end date and to either extend it or find additional coverage.

FAQs: Extending your long stay travel insurance