Worldwide Long Stay Travel Insurance: A 2025 Guide

Long term travel + worldwide locations... can the dream get any better than that?

If you're planning a long trip that involves multiple countries, or you're just a frequent flyer who needs to keep their options open, you have choices when it comes to your coverage.

Whether you're a digital nomad, a retiree, backpacker, or something else, it's really important that you find the right policy for you. This means a policy that:

• Covers you everywhere you plan to go, whether that's Australia, the USA, or somewhere else.
• Can cover you for the entire duration of your trip(s).
• Covers you for what you want or need to be covered for.

In this article, we're going to look at worldwide long stay travel insurance - what it is and how to choose the right policy for you.

This information will help you understand long stay travel insurance, including what’s covered, where to buy it, and how much it costs.

What to know about worldwide coverage

You may see the term "worldwide" on a policy, but the phrase alone doesn't guarantee you're covered everywhere you travel.

Where you have coverage depends on the policy you choose and its details. While some policies do advertise "worldwide coverage," there are still exceptions.

For example, most travel insurance providers exclude coverage in countries with war zones or extreme political instability. This is one of the many reasons you should always check the fine print before you purchase. Specific exclusions will be found there.

Additionally, travel insurance only covers you while you are traveling, even if "worldwide" is in the title.

Do I need worldwide coverage?

Whether or not you need worldwide coverage depends on your travel plans. Here are some factors to consider:

• How much flexibility you want. If you're not sure about your itinerary but know you want to visit a lot of foreign destinations, a worldwide policy ensures you remain covered wherever you go.
• How many countries you want to explore. Some policies cover specific regions (for example Europe, Asia, etc.), while others offer broader global coverage. If you want to explore a lot of countries and regions, a worldwide long stay travel insurance might be a better choice for you.
• Insurance requirements. In some cases, travel insurance may be mandatory, especially if you're applying for a long stay visa or permit for your travels. Make sure you look closely at the entry requirements for your destination(s) to make sure you have the coverage you need, whether that's New Zealand, the UK, Canada, or elsewhere.

How much does worldwide long stay travel insurance cost?

The cost of long stay travel insurance for worldwide destinations varies depending on a few different factors. With that said, prices typically start at a few dollars a day. There are also flat rate options. A flat rate is often more cost-effective for long stay trips, so definitely consider that when you're making your final decision.

Costs can vary depending on:

• Coverage. Comprehensive coverage is often a higher premium than more simple policies with fewer guarantees.
• Duration. Longer trips tend to cost more due to more days of coverage required.
• Travelers. If you're the only one who needs coverage, the policy will likely be much less expensive than if you, a partner, and children need coverage, for instance.

For an affordable and comprehensive worldwide travel insurance option, Mutuaide through Insurte offers worldwide policies starting at just a few euros per day.

Where to buy long stay worldwide travel insurance

One of the best places to get a travel insurance is policy is through Insurte, a modern service that is 100% online.

Mutuaide through Insurte provides long term travelers with comprehensive, global coverage (keep exclusions in mind).

Through their online platform, you can enjoy:

• 100% online experience. There is no need for lengthy paperwork or in-person visits.
• A quick and easy process. You can get reliable coverage in just a few minutes.
• A dedicated internal support team. Their customer support is internal and 100% dedicated to you.
• A secure online platform.
• Worldwide coverage in minutes.

Before purchasing, compare Mutuaide policies carefully to ensure they meet your specific travel needs. Some policies may have trip maximums and coverage limits, so always read the terms and conditions before you settle on one.

What is the best worldwide long stay travel insurance?

Mutuaide through Insurte is the best worldwide long stay travel insurance.

Through Insurte, Mutuaide provides travelers with comprehensive coverage around the globe (again, exclusions apply, such as countries with war zones).

Coverage includes:

• Coverage up to 365 days (keep an eye out for per-trip maximums. Specific policies have them, others don't.)
• €100,000 in emergency medical expenses (including hospitalization and surgery).
• Medical evacuation and repatriation.
• 24/7 travel assistance.
• Covid-19.
• All epidemics, including associated quarantine costs.
• Search and rescue costs.
• Legal protection including legal assistance, legal fees abroad, and advance of bail.
• Lost/stolen passports.
• More.

At a few dollars a day, or a flat rate depending on the policy you choose, Mutuaide through Insurte is a reliable, trustworthy choice for long term travelers.

When you purchase Mutuaide through Insurte, you enjoy:

• A 100% online experience.
• A fast, secure, and easy-to-use website.
• Their free online travel insurance comparison tool.
• Easy-to-understand language and policy details.
• World class insurers.
• Unique policy terms you can't find elsewhere.
• A dedicated, multi-lingual in-house support team.

The world is truly your oyster, whether you're traveling to Ireland, Eastern Asia, France, or Tahiti, Mutuaide through Insurte has you covered.

FAQs: Worldwide long stay travel insurance