Long Stay Travel Insurance: Which Countries are Covered?

One thing that people don't always realize about travel insurance is that it doesn't always cover you when you're traveling.

Travel insurance only covers you in specific places, and the locations depend on the policy you have purchased. From Australia and New Zealand to the UK, Ireland, and beyond. You have options!

In this guide, we're going to talk about where long stay travel insurance covers you and some things to look out for when deciding on which provider is the best one for you.

Which countries does long stay travel insurance cover?

There isn't a universal answer to this question. Different policies cover travelers in different places. So, it depends on the policy.

There are many different options on the market, so you just have to find the one that aligns with your needs. Before you begin your search, you should know:

• Which countries you plan to visit during your long trip abroad.
• How much flexibility you want to have.

Some policies cover specific countries, others cover specific countries and regions (geographical or otherwise), and some even offer worldwide coverage (though there are always exclusions).

What if I don't know which countries I will be visiting?

This is a common question, especially for long term travelers who like to fly by the seat of their pants or hop on last-minute travel deals.

It's possible to get travel insurance that gives you worldwide coverage, meaning you're protected virtually anywhere you go.

That said, even worldwide policies have exclusions, such as war zones for example. That's why it's important to read the terms and conditions and pay close attention to the exclusions.

Mutuaide through Insurte offers worldwide coverage (again, with some exclusions). These unique policies are designed for travelers looking to be covered around the world, whether you're going to the US and Canada, or anywhere else - and it works great for the more spontaneous inclined.

How do I know where my long stay travel insurance covers me?

The terms and conditions of your long stay travel insurance policy will detail where your insurance covers you.

If you are having trouble finding the exact information that you need, or anything is unclear, you can always reach out to the customer support department where you purchased your policy.

Traveling to countries you aren't covered in

If you'd like to visit a country that isn't listed in your travel insurance policy, it's important to understand that you won't be covered there.

This can be particularly frustrating, especially if you have already booked your trip and purchased your policy.

To avoid unpleasant situations like this, it's necessary to know where you plan to go and where your policy covers you before hitting the purchase button.

When all else fails and when you don't know exactly where you will be going, a policy with worldwide coverage is likely your best bet.

Long stay visas and travel insurance

If you're applying for a long stay visa for your extended trip abroad, pay close attention to the visa requirements.

Many long stay visas require applicants or holders to take out a travel insurance policy that meets specific criteria, such as coverage across a specific region versus just a specific country.

When you choose your travel insurance policy, it's helpful to pull out your visa requirements and compare the policy to it line by line to make sure you haven't missed any details.

If the policy you have chosen doesn't meet all of the requirements listed for your visa application, your visa could be rejected.

Is worldwide travel insurance actually worldwide?

Travel insurance policies always have exclusions, and this is the case when it comes to the term worldwide too.

You should always look to the terms and conditions of your travel insurance policy to see exactly where it covers you and what the specific exclusions are around the worldwide guarantee.

That said, some of the exclusions often include:

• Countries in a state of civil or foreign war.
• Countries with known political instability.
• Countries undergoing popular movements.
• Countries undergoing riots, acts of terrorism, reprisals, and restriction of the free movement of people or goods.
• Etc.

Again, you should check the exclusions for your policy.

Can long stay travel insurance cover all of Europe?

Generally speaking, it can, but it isn't an easy question to answer with a simple yes or a no.

While yes, travel insurance can cover you for all of Europe, you have to keep exclusions in mind (such as countries in war). You also have to make sure that the policy you're purchasing covers all of them.

Some policies offer a wide net of coverage across Europe, but whether or not they cover every single country in Europe depends on the policy.

FAQs: long stay travel insurance countries