Traveling the world is exciting. But unexpected things can happen like getting sick, losing your bags, or needing to go home early. That is where long-term travel insurance comes in. If you are a digital nomad, remote worker, or slow traveler, good insurance is a must. It provides you with peace of mind and protection.
This guide covers long-term travel insurance. We will help you find the best plan for your needs and highlight top options for 2025.
Why Do You Need Long-Term Travel Insurance?
More individuals are living and working overseas than ever before. From backpackers to expats, long-term travel is now a way of life. But living overseas also means more risks.
The Digital Nomad Lifestyle
Working from anywhere is fun, but it means leaving your home healthcare system behind. You may need to see a doctor or go to the hospital in a country where healthcare costs can be high.
What Can Go Wrong Without Insurance?
- You get food poisoning in Thailand.
- You break a bone while hiking in Peru.
- A family emergency calls you back home.
You could have to pay hundreds of dollars out of pocket if you don’t have insurance. With the right coverage, these issues become manageable.
Short-Term vs Long-Term Insurance
Short-term travel insurance is for vacations or business trips. For those who plan to travel overseas for several months or even years, long-term travel insurance is designed. It usually includes better medical coverage and more flexible terms.
What to Look for in the Best Long-Term Travel Insurance
Not all plans are the same. Here are some important things to check before you choose a policy:
Must-Have Features
- Emergency medical treatment
- Hospital stays and outpatient care
- Medical evacuation (getting you home if you are seriously ill)
- Trip delays or interruptions
- Lost luggage protection
Nice-to-Have Add-Ons
- Dental and mental health coverage
- Maternity care
- Adventure sports (like scuba diving or skiing)
- Coverage for laptops and cameras
- Support for pre-existing conditions
Think about what kind of traveler you are. Do you work from your laptop? Do you love extreme sports? Choose a plan that fits your life.
Top 7 Best Long-Term Travel Insurance Providers in 2025
We have looked at reviews, coverage options, and prices. Here are the best options this year:
SafetyWing: Best for Digital Nomads
SafetyWing was created with remote workers and digital nomads in mind. You can start a flexible monthly subscription anytime, even after leaving your home country. The plan includes COVID-19 coverage and short-term home country visits. It is affordable and perfect for travelers without a fixed return date.
Genki: Best for European Travelers
Genki is a great option for long-term travelers staying in Europe. It provides both basic and comprehensive health insurance tailored for EU residents and visitors. The claims process is simple, and their customer support is highly rated. Genki is a good option for worry-free travel because of its transparent terms.
IMG Global: Flexible Health Plans
IMG provides a large selection of international insurance policies that are appropriate for individuals, families, and expats. Its extensive global network and adaptable plan alternatives make it stand out. Some policies include coverage for pre-existing conditions, which is rare. IMG is ideal for those needing long-term, health-focused insurance abroad.
World Nomads: Best for Adventure Seekers
World Nomads is popular among backpackers and thrill-seekers who enjoy high-adventure activities. It covers a long list of extreme sports and is available for both short and extended travel. Their coverage includes medical emergencies, evacuation, and trip protection. For those who prefer to venture off the usual route, it is ideal.
Allianz Global Assistance: Trusted Worldwide
Allianz is a well-known and trusted name in the travel insurance world. Their plans are popular. They also offer great customer service and have a global reach. The TravelSmart app makes it easy to manage claims and access emergency help. Allianz is great for travelers who want a reputable, all-in-one provider.
Faye Travel Insurance: Best Digital Experience
Faye is a modern travel insurance company. It works entirely online, so claims and reimbursements are quick and easy. Their mobile app keeps all your travel insurance information in one place. With real-time updates and fast support, Faye is ideal for tech-savvy travelers. It offers a smooth, digital-first experience.
Insured Nomads: Full Coverage for Remote Workers
Insured Nomads focuses on the needs of remote workers, slow travelers, and expats. Their plans include wellness support, mental health care, and worldwide coverage. It is tailored for people living abroad long-term, not just tourists. The company also offers tools and support for a connected, secure travel lifestyle.
How to Choose the Right Insurance for You
Think about your travel plans:
- Short trips: Go with cheaper, basic plans
- Living abroad long-term: Get full health coverage
- Doing risky activities: Make sure your plan includes adventure sports
Also, check the countries you are visiting. Some places (like the Schengen area in Europe) require proof of insurance for entry.
Credit Card Travel Insurance vs Full Insurance Plans
Some credit cards offer basic travel insurance. It might cover things like delayed flights or lost bags.
However, it frequently does not cover emergencies or medical care abroad. For long-term travel, you need a full insurance plan that protects your health and your trip.
How to Save Money on Travel Insurance?
- Choose monthly plans if you are unsure how long you’ll travel
- Compare different providers before buying
- Use a comparison site like Squaremouth or InsureMyTrip
- Avoid paying for coverage you don’t need (like cruise insurance if you are not taking a cruise)
Common Questions About Long-Term Travel Insurance
Is long-term travel insurance the same as international health insurance?
Not exactly. Travel insurance covers trip issues and emergency care. International health insurance is more like regular health insurance for people living abroad.
Can I buy travel insurance after I’ve already started my trip?
Yes! Many providers like SafetyWing allow you to start coverage while traveling.
What if I have a pre-existing condition?
Some plans cover it, some don’t. Look for companies like IMG or Genki that offer this option.
Final Thoughts
The best long-term travel insurance offers peace of mind. This way, you can explore the world without worry. No matter if you are backpacking in Asia, working on a beach in Portugal, or road-tripping in South America, a good plan keeps you healthy and saves you money.
Think about what you need. Compare your options. Then, pick a plan that suits your lifestyle. Safe travels!
