How to find Cheap Long Stay Travel Insurance in 2025

Whether it's a requirement for your trip or a personal decision, long stay travel insurance needs to be trustworthy and reliable. If you fall prey to an emergency during your trip, it's your lifeline, after all.

In today's world, it's possible to find affordable travel insurance that is also dependable, you just have to know how and where to look.

Here are a few of our tips for finding cheap travel insurance to cover you the next time you head overseas.

Where to find cheap long-stay travel insurance

Finding affordable travel insurance can be done entirely online with tools like Insurte's travel insurance comparison tool.

Travelers can quickly add just a couple of details about themselves and their trip and then see the best options for them, all at fair prices.

Unlike some other travel insurance tools, Insurte's doesn't have upper age limits and doesn't require a plethora of information in order to compare policies.

Using a tool like this will allow you to look at policy options that specifically suit your needs and work with your trip, so you're looking at the most relevant pricing.

Which cheap long stay travel insurance is the best?

The best cheap long stay travel insurance depends on your needs as a traveler. What is best for someone else might not be the best for you, for example.

With that said, a couple of insurers come to the top, and those are AXA Platinum and Mutuaide.

AXA Platinum is an excellent, affordable choice for travelers heading overseas for extended periods of time. Not only does it offer impressive medical emergency cost coverage (€100,000), but it also includes repatriation (including mortal remains), medical evacuation, and Covid-19.

On top of its vast medical backing, AXA Platinum offers coverage for legal fees abroad and advance of bail, search and rescue costs (for hikers or skiers, for example), assistance for lost/stolen passports, terrorism, and more. It's truly a robust plan.

AXA Platinum is designed for long stay travelers to the Schengen area (plus the UK and Ireland) whose trips are shorter than 120 days in duration.

For travelers looking for worldwide coverage or coverage for a longer period than 120 days, Mutuaide is a great option that doesn't break the bank.

Mutuaide offers worldwide coverage, meaning you can go anywhere and know that you are protected (keep in mind that there are some exclusions, such as countries with active war zones).

Like AXA Platinum, Mutuaide's policies have high emergency medical cost limits. Unlike AXA Platinum, Mutuaide also offers coverage for all epidemics, not just Covid-19.

With search and rescue coverage, legal fees/bail and assistance, and coverage for lost or stolen passports as well, Mutuaide offers a few different policies to suit the different needs of travelers.

While AXA Platinum has a 120-day limit, Mutuaide doesn't. Mutuaide offers 365 days of coverage.

💡 Pro tip: Make sure that you pay attention to trip maximums. While a policy can have 365 days of coverage, there may be a maximum per trip that you can go on within that 365 days.

Starting at just a few dollars a day, you can travel with complete peace of mind, knowing you have comprehensive coverage without being nickeled and dimed.

What to look for in a cheap long stay travel insurance policy

The core purpose of long stay travel insurance is to ensure you're protected during your trip(s). To get the most out of your insurance, it's important not to skimp on coverage, even when looking for the cheapest options.

When you're looking for the perfect, affordable policy for your needs, pay attention to the following.

Cost. First on the list because if you're reading this, price is front of mind for you - and that's totally normal! When you're comparing and contrasting policies, price is absolutely something that you should keep in mind. On top of that, you should consider how the policy is paid.
Travel insurance is typically charged per diem, starting at just a few dollars a day. However, for long-term trips, prices may be offered at a flat rate instead. For long trips abroad, it's worth it to get out your calculator and compare the per diem total cost with the flat rate offering(s).
While the flat rate option might look more expensive out the gate, oftentimes, it will end up being more affordable than the per diem option(s) if your trip is quite long.

Compliancy. Are you getting a long stay travel insurance policy to meet the requirements of a visa application? If so, it's absolutely essential that the policy fulfills your application needs.
Carefully review the requirements given to you by the visa application center or consulate/embassy to make sure that the travel insurance you choose is going to meet the minimums required for your visa application. If it doesn't, your visa application could be rejected.

Coverage. If you find the cheapest travel insurance on the planet, that isn't very helpful if it doesn't offer the coverage you need. Make sure that the policy you choose can cover you for the entire duration of your trip(s).
As mentioned above, some policies have per-trip maximums and/or overall maximums. The best cheap travel insurance should cover you for your entire duration abroad.

Ease of purchase. How quick and easy is the purchasing process? Nowadays, more and more travel insurance companies are coming up with digital solutions that give travelers instant information, quotes in real time, and authentic certificates in minutes.
Insurte is one of them, offering a robust comparison tool, great coverage at low prices, and a travel insurance certificate through an entirely online process.

The terms and conditions. Whether you're looking for the cheapest option or not, you should always read the terms and conditions of a policy before purchasing it.

Key takeaways

• Use online travel insurance comparison tools, like Insurte's, to quickly compare and contrast long stay travel insurance policies.
• The best cheap long stay travel insurance depends on your needs as a traveler. The answer might be different for everyone.
• AXA Platinum and Mutuaide are excellent choices for affordable, reliable coverage during your long term trip overseas, depending on your needs.
• Make sure you pay attention to trip maximums. Policies may offer over 365 days of coverage but have maximums per trip.
• Always consider the cost, compliance, coverage, ease of purchase, and terms and conditions when deciding which policy to purchase.