Travel Protection for Longer Trips

The first thing is good news: Our travel insurance plans easily accommodate long trips up to 365 days, depending on your state of residence. If you’re taking the slow way around the world, you can still be covered by travel insurance.

Keep in mind that the longer the trip, the more travel insurance is going to cost, independent of how much the total trip costs. That’s simply because the longer you travel, the greater the odds that something may happen to you in the course of that trip.

For people dropping $40,000 on an around-the-world cruise, the added cost of insurance probably won’t trouble them much. But for the backpacker taking half a year to tack their way across Asia, it might mean more of an investment.

Also read: Why You Should Get Travel Insurance for Shorter Trips

This one goes out to the backpacker in Asia. If you believe your trip will take four months, you need to buy travel insurance for a four-month trip. If you decide while you’re on the trip that you’re having such a good time you’ll keep going for another couple of months, your coverage will run out once you hit the four-month mark.

Because of this, if you’re taking a freeform, low-expense longer trip, be generous when you estimate the trip length. Determine the maximum amount of time you might be away and enter that as the trip length. Because your trip is relatively inexpensive, it won’t cost that much more. And you’ll know the whole trip’s covered.

Also read: What You Need to Know Before Getting a Travel Insurance Quote

One of the best things about travel insurance for longer trips is something you may have never heard of: extension of coverage.

Basically, extension of coverage means that if something beyond your control happens that forces you to extend your trip, the travel insurance coverage will extend right along with it.

Consider a round-the-world cruise where a storm forces you off course and delays your arrival in your home port by a week. Or your trip to Mexico is coming to an end and your COVID-19 test to get back into the U.S. just came back positive. Now you will need to isolate for a time before you can return home.

That additional travel time is covered under your Generali insurance plan. Our plans will cover up to seven additional days of unexpected travel – and with something as complex as a round-the-world cruise, that added cushion is nice.

Things to consider for long-term travel protection

If you have extended travel plans, our travel protection plans can help cover you for up to 365 days, depending on your state of residence. When you invest in long-term coverage, there are some things you’ll need to pay special attention to when securing your plan.

Single-destination vs. multi-destination trips

When taking a longer trip, you're more likely to visit multiple destinations. You might spend a few weeks in one location before moving on to the next. It's a good way to check off multiple destinations from your travel bucket list. 

For your travel protection plans, when you get a quote select the destination where you plan to spend most of your time. If your travel plans involve splitting your time equally, choose your first destination. 

Coverage needs

Another potential issue with long-term travel is accurately determining your coverage needs. If this is your first extended travel experience, you might not fully understand how much coverage you need. You also face the possibility of unexpected issues when you're traveling long-term. Looking at the worst-case scenarios can help you choose adequate coverage. 

Exclusions and restrictions

An extended stay away from home makes it even more important to understand your coverage. When purchasing travel protection for long-term travel, review all the exclusions and restrictions to find out what's not covered. For instance, some travel protection for long-term travel excludes pre-existing conditions. Most plans don't cover reasonably foreseeable events. Knowing what is and isn't covered helps you decide if the plan is right for you. 

Trips are getting longer, and that’s great news for everyone – but it’s especially great news for the traveler seeking a long, relaxing getaway post-pandemic. Fortunately, Generali’s travel insurance plans are ready and able to help protect these longer trips, meaning you have one less thing to worry about. And isn’t that a great feeling?

Get a quote today and see how budget friendly travel insurance for longer trips can be.