The Benefits of Long Stay Travel Insurance

Traveling always comes with risks, and that's especially true for long term trips abroad.

When you're on the go for weeks or months on end, having a safety net is important, particularly when you're in a country that you are less familiar with.

Long stay travel insurance gives you the security that you need while so far from home.

In this article, we're going to take a look at the benefits (including the actual policy's benefits) of long stay travel insurance.

What are the benefits of long stay travel insurance?

There are so many benefits to long stay travel insurance. First, we will talk about some of the positives, or "pros," of taking out a long stay travel insurance policy.

Then, we will look at some of the actual benefits (or guarantees) you might see on your travel insurance.

1. You have an expert on your side.

One thing that many people don't know about travel insurance is that it comes with 24/7 travel assistance and support. What is that exactly? It's access to expert advice about anything relating to your journey. From questions about the weather to transportation, safety, and more, your travel insurance is just a phone call away, any time you need it.

This can be a big relief when you're far away from home, spending a long time in another country.

Just make sure the policy you choose offers "24/7 assistance".

2. You won't be left with debilitating bills.

Should you have an unforeseeable medical emergency overseas, long stay travel insurance ensures that you won't be left with a hefty bill after you get the crucial care that you need.

When you're in another country for an extended period, having a medical emergency abroad can be overwhelming, confusing, and expensive.

Travel insurance helps to mitigate these concerns. At the heart of long stay travel insurance is coverage for medical emergency expenses. Additionally, your travel insurance provider will be able to tell you exactly where to go to reliable care in live time, giving you the much-needed next steps.

3. You can have more peace of mind.

It can be a bit anxiety-inducing traveling abroad, especially if you're going to be in another country for months on end!

Accidents always seem to happen at both the worst time and the most unpredictable time. What if something happens during your trip? What do you do? Where do you go? And how much of a dent is this going to make in your pocketbook?

Long stay travel insurance will help you in the moment of an emergency and will cover the associated expenses.

This is a huge relief when traveling, giving you the peace of mind you need to really allow yourself to be immersed in such an amazing experience.

4. You are one step closer to your visa.

While not applicable to all travelers, if you're applying for a long stay visa for your trip abroad, there will be a series of requirements you have to meet during the application process.

One of those common requirements is long stay travel insurance.

If long stay travel insurance is a requirement for your visa application, it is mandatory. Without it, your visa application may be rejected.

Why you should get long stay travel insurance

There are a lot of reasons why you should consider long stay travel insurance, like:

• It may be required for your long stay visa application.
• Many countries highly advise travelers to get travel insurance, especially when heading to specific locations. You can look on the Embassy website in your country of residence to see what the government recommends.
• You'll have immediate assistance and support during a medical emergency.
• Medical emergency expenses will be covered up to a specific amount (determined by your policy).
• You'll have 24/7 travel assistance, meaning there's an expert lifeline whenever you have a question or concern.
• Different policies have different guarantees, some of which might be wise to have for your specific situation.
• If you're a self-proclaimed worry wart, getting long stay travel insurance is worth the expense for the peace of mind it gives you alone.

As you can see, there are so many reasons why getting a policy is a good idea.

What benefits does long stay travel insurance come with?

The benefits that come with your long stay travel insurance policy depend on the specific policy that you choose.

However, regardless of which you choose, there will be coverage for medical emergency expenses to some extent or another. How much is covered? Well, that depends on the policy.

In addition to that, common guarantees include:

• 24/7 travel support and assistance in case you need a little help here and there along the way. This lifeline is available to you at any time.
• Medical evacuation. If you need to be transported to somewhere with specific facilities or the nearest hospital is hard to access, long stay travel insurance can cover you.
• On a similar note, long stay travel insurance offers repatriation - including in the tragic event of a death overseas.
• Depending on the policy, you may also be covered for Covid-19, and possibly all other pandemics/epidemics as well.
• Many policies offer "Sports" coverage. This includes search and rescue abroad, which can give you a lot of peace of mind if you plan to ski, hike, or explore nature in another country.
• Another great guarantee to make sure your policy has is legal protection. Depending on the policy, you can have varying degrees of legal protection, such as legal assistance, legal fees abroad, or even advance of bail.
• Lost/stolen passports.
• Lost, stolen, or delayed luggage.

Your long stay travel insurance can have other guarantees as well, it just depends on the policy that you choose.

Make sure you read the terms and conditions before you make your final decision so you understand exactly what is covered, what's excluded, and how to file a claim in a moment of need.