Travel Insurance For Long-term Trips – Katie Genter is a location-independent digital nomad who has been traveling full-time since June 2017. Her focus at TPG is points, miles, loyalty and credit cards.
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Travel Insurance For Long-term Trips
Many travelers have strong opinions about whether you should buy travel insurance. However, the purpose of this post is not to determine whether it is worth investing. Instead, compare some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.
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Of course, as the coronavirus remains an ongoing concern, it’s important to understand whether travel insurance covers pandemics. Some policies will cover you if you are diagnosed with COVID-19 and have proof of illness from a doctor. Others will take the coverage a step further, covering additional types of expenses and cancellations related to the pandemic.
However, be aware that each policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for canceling or discontinuing coverage, while specific stipulations may apply to heightened travel warnings from the Centers for Disease Control and Prevention.
Therefore, before purchasing a specific policy, you should understand the full terms and any special notices the insurer has regarding COVID-19. You may even want to purchase the optional cancellation for any reason add-on that is available for some comprehensive policies. While you’ll pay more for that protection, it allows you to cancel your trip for any reason and still recoup some of your costs. Please note that this benefit is time-dependent and has other eligibility requirements, so not all travelers will be eligible.
In this guide, we’ll review several policies from the top travel insurance providers so you can better understand your options before choosing the policy and provider that best suits your wants and needs.
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To compile this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of policy details and the online claims process, positive online ratings and the ability to purchase policies on most of the United States. states You can also look for options from these (and other) providers through an insurance comparison site like InsureMyTrip.
When comparing insurance providers, I priced a single travel policy from each provider for a $2,000 week-long vacation to Istanbul. I used my real age and state of residence to get quotes. As a result, you may see a different price, or even additional policies because travel insurance regulations vary from state to state when getting a quote.
AIG Travel Guard receives many positive reviews from TPG Lounge readers who have submitted claims to the company. AIG offers three plans online, which you can compare side-by-side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.
AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for a Florida resident.
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In addition, AIG Travel Guard offers other policies, including a single trip policy without trip cancellation protection. See AIG Travel Guard’s COVID-19 Notification and COVID-19 Notice for current details on your COVID-19 coverage.
Normally, AIG Travel Guard would not cover you for any loss or expense due to a pre-existing medical condition that existed within 180 days of the effective date of coverage. However, AIG Travel Guard may waive the pre-existing medical condition exclusion on some plans if you meet the following conditions:
Allianz is one of TPG Lounge’s most popular providers and many readers found the claims process to be reasonable. Allianz offers many plans including the following single trip plans for my sample trip to Turkey.
If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all maximum coverage amounts in the table below are per trip (except trip cancellation and interruption amounts, which are an aggregate limit per policy). Trips should not normally last more than 45 days, although some plans may cover trips of up to 90 days.
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Most Allianz travel insurance plans can cover pre-existing medical conditions if you meet particular requirements. For OneTrip Premier, Prime and Basic plans, the requirements are as follows:
American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You do not need to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample one week trip to Turkey. Unlike other providers, Amex won’t ask for your travel destination in the initial quote (but will when you buy the plan).
Amex’s build-your-own coverage plan is unique because you can buy only the coverage you need. For most types of protection, you can even select the amount of coverage that works best for you.
Package and build-your-own plan prices do not increase for longer trips, as long as the cost of the trip remains constant. However, the emergency medical and dental benefit is only available for the first 60 days of travel.
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Normally, Amex will not cover any loss you incur because of a pre-existing medical condition that existed within 90 days of the coverage’s effective date. However, Amex may waive your pre-existing condition exclusion if you meet the following two requirements:
GeoBlue is different from most of the other providers described in this piece because it only offers medical coverage while traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the US. USA (although not required to be provided by Blue Cross Blue Shield), but all only provide coverage while traveling outside the US.
There are two single-trip plans available if you’re traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a pre-existing condition) for travel outside the US.
The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a pre-existing condition) for travel outside the United States to travelers age 95 and younger, regardless of whether they have primary health insurance.
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In addition to these options, two multi-trip plans cover trips of up to 70 days each for a year. Both policies offer coverage (including medical services and medical evacuation for pre-existing conditions) to travelers with primary medical insurance.
IMG offers various travel medical insurance policies for travelers as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five types of policy available for holiday or vacation travelers. Although you must enter your gender, men and women received the same quote for my week-long search.
You can purchase an annual multi-trip medical insurance plan. Some only cover trips up to 30 or 45 days, but others offer cover for longer trips.
Most plans can cover pre-existing conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above can cover pre-existing conditions if you purchase insurance within 24 hours of final payment for your trip.
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For the travel medical insurance plans shown above, pre-existing conditions are covered for travelers under the age of 70. However, coverage is limited based on your age and whether you have a primary health insurance policy.
Travelex offers three single trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable to my trip to Turkey.
Travelex will not normally cover losses caused by a pre-existing medical condition that existed within 60 days of the effective date of coverage. However, the Travel Select plan may offer a pre-existing condition exclusion waiver. To qualify for this exemption, the insured traveler must meet all of the following conditions:
Sete Corners offers a wide variety of policies. These are the policies that are most applicable to travelers on a single international trip.
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Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.
Seven Corners will not normally cover losses caused by a pre-existing medical condition. However, the RoundTrip Choice plan does offer a pre-existing condition exclusion waiver. To qualify for this exemption, you must meet all of the following conditions:
World Nomads is popular with younger, more active travelers because of its flexibility and coverage of adventure activities on the Explorer plan. Unlike many policies offered by other providers, there is no need to estimate upfront costs when purchasing insurance to access trip interruption and cancellation insurance.
World Nomads has a page dedicated to coronavirus coverage, so be sure to check it out before purchasing a policy.
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World Nomads will not cover losses caused by a pre-existing medical condition (except for emergency evacuation and repatriation of
