Long Stay Travel Insurance with Covid Cover: Does it Exist?

As we get further away from 2020's Covid-19 pandemic, worldwide travel continues to grow year after year.

While the pandemic is over, Covid-19 still exists in the world, and it is something that we should all factor into our plans - especially when we're traveling far from home for an extended period of time.

If you're planning a long term trip, it's important that you find the best travel insurance plan for you - one that covers Covid-19 so you can feel confident and secure during whatever adventures lie ahead.

Can you get long stay travel insurance with Covid coverage?

Yes, there is long stay travel insurance that offers Covid-19 coverage. In fact, since Covid-19 is so prevalent in the world now, many travel insurance policies cover it as part of their emergency medical guarantees.

When travel began to pick up again after the initial waves of the pandemic, travel insurers adapted, recognizing the need to offer protection against it.

All of that said, you should always look at the guarantees of your specific policy just to make sure, as it isn't a given. Additionally, just because a policy advertises Covid-19 coverage doesn't mean that every single scenario that involves Covid-19 is covered.

So yes, long stay travel insurance with Covid cover does exist, but always make sure you are diligent and check the fine print so you understand exactly what coverage you have.

How does Covid-19 coverage work in travel insurance?

Covid-19 is a guarantee that is included on some travel insurance policies. However, you need to pay attention to what is specifically covered when it comes to the virus, and that depends on the policy that you buy.

The terms and conditions will tell you what you need to know about Covid-19 coverage - what precisely is covered and what exclusions there are.

Different insurance companies and providers have different claim processes. How Covid-19 claims work depends on that as well.

What to look for in long stay travel insurance with Covid cover

Whether you're going to be spending time abroad for work, study, to reunite with family members, or something else, comprehensive travel insurance is always a good idea - and sometimes it's even required.

When you're looking for a long stay insurance that covers Covid-19, there are several things you should look for before hitting that purchase button.

• Length of coverage and per-trip maximums: Long stay policies cover travelers for longer periods of time, but there are still limits. Travel insurance can cover travelers for up to 1 year, but there may be specific trip maximums within that.
• Where you're covered. If you’re traveling through multiple regions, make sure your policy covers all intended destinations. Travel insurance doesn't innately cover you anywhere you travel. Different policies cover you in different countries. Make sure you are covered in the countries you plan to travel to. If you are planning to travel all over the world or aren't sure which countries you want to see, a provider like Mutuaide (which offers worldwide coverage) might be the right choice for you.
• Medical expense limits. Look for high medical coverage limits to ensure you’re protected against costly emergency hospital stays. If you're applying for a visa for your trip, there may be a minimum coverage amount you need to obtain.
• Exclusions. All insurance policies have exclusions. Make sure you read the terms and conditions so you understand the exclusions in your policy - especially ones relating to Covid-19 if that's a concern of yours.
• The claim process. Claim processes vary, so it's good to know what the process is before you even purchase your policy. Some claim processes require you to contact your provider before receiving medical care. Making sure you know how to file a claim is essential - and you should choose an insurance with a simple and clear claim process.

Best long stay insurance providers with Covid coverage

While there are many insurers out there, a few stand out for long stay travel insurance with robust Covid coverage. Through Insurte, both AXA and Mutuaide offer robust coverage, Covid-19 included.

You can use Insurte's online travel insurance comparison tool to compare and contrast policies with Covid-19 coverage. Both AXA and Mutuaide are world-known names that offer fantastic protection for you and your loved ones.

FAQs: long stay travel insurance with Covid coverage