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Long Term Travel Insurance
Long Term Travel Insurance: Protect Your Journey
What is Long Term Travel Insurance?
Long term travel insurance is a type of insurance policy that provides coverage for an extended period, typically up to one year (365 days). This makes it a great option for individuals embarking on gap years, working holidays, International Experience Canada, or other long-term travel adventures.
With long term travel insurance, you can enjoy continuous protection without having to worry about renewing your policy every few weeks or months. This is especially useful for those who plan to visit multiple destinations or are unsure of their exact return date. Additionally, some countries require visitors to have travel insurance for the duration of their stay, particularly for visa applications. Long term travel insurance can help you meet these requirements and ensure a smooth and worry-free trip.
Benefits of Long Term Travel Insurance
Long term travel insurance offers a wide range of benefits tailored to the needs of travelers who are away from home for extended periods. Some of the key benefits include:
- Comprehensive Coverage: Long term travel insurance typically provides extensive coverage, including overseas medical expenses, trip cancellation or interruption, baggage loss or delay, and personal liability. This comprehensive protection ensures you're prepared for various unforeseen events during your travels.
- Cost-Effectiveness: Compared to purchasing multiple single-trip policies, long term travel insurance can be a more cost-effective option, especially if you plan to travel frequently throughout the year.
- Peace of mind: Knowing you have continuous insurance coverage throughout your journey can provide invaluable peace of mind, allowing you to fully enjoy your travel experiences.
Choosing the Right Long Term Travel Insurance Plan
We offer three levels of cover for long term travel insurance: Medical Only, Essentials, and Comprehensive.
- Medical Only: This plan provides coverage for medical expenses and assistance only.
- Essentials: This plan offers a broader range of benefits, including coverage for medical expenses, luggage, and some travel disruptions.
- Comprehensive: This plan provides the most extensive coverage, including medical expenses, luggage, travel disruptions, and other unforeseen events.
Key Features of Our Annual Travel Insurance
Our long term travel insurance plans may include the following features:
- Emergency Medical Expenses: This covers medical treatment, hospitalization, and emergency medical evacuation if you become ill or injured while traveling.
- Trip Cancellation: This reimburses you for non-refundable trip expenses if you must cancel your trip due to covered reasons. (Essentials and Comprehensive plans only)
- Baggage Loss or Delay: This compensates you for lost, stolen, or delayed baggage, ensuring you have funds to replace essential items. (Essentials and Comprehensive plans only)
- Personal Liability: This protects you if you are held legally responsible for injuring someone or damaging their property while traveling. (Essentials and Comprehensive plans only)
Understanding Policy Exclusions
It's important to be aware that travel insurance policies, including long term travel insurance, have exclusions. Common exclusions may include:
- Pre-existing medical conditions (unless approved after screening)
- Travel to certain high-risk destinations
- Participation in hazardous activities
To avoid surprises, it is essential to carefully review the Product Disclosure Statement (PDS) before purchasing a policy. This will give you a clear understanding of what is and isn't covered, allowing you to make an informed decision.
Long Term Travel Insurance with COVID-19 Cover
For added peace of mind, consider adding our optional COVID-19 cover to your long term travel insurance plan. This optional benefit can provide coverage for:
- COVID-19 related trip cancellation: If you must cancel your trip due to a positive COVID-19 diagnosis, you may be reimbursed for non-refundable trip expenses.
- Medical expenses related to COVID-19: This includes coverage for medical treatment, hospitalization, and emergency medical evacuation if you contract COVID-19 while traveling.
Long Term Travel Insurance with Snow Sports Cover
Planning a winter adventure as part of your extended travels? Our long term travel insurance policies can be tailored to include cover for snow sports activities. Whether you're hitting the slopes for a few days or embarking on a dedicated skiing holiday, we can provide the protection you need.
Cover for All Plans
Snow sports cover is available for all our long term travel insurance plans: Medical Only, Essentials, and Comprehensive.
- Medical Only: This plan provides cover for medical expenses and assistance related to snow sports activities. So, if you get injured on the slopes, you'll have financial support for medical treatment and evacuation.
- Essentials: This plan offers a broader range of benefits, including coverage for medical expenses, luggage, and some travel disruptions related to snow sports.
- Comprehensive: This plan provides the most extensive coverage, including medical expenses, luggage, travel disruptions, and other unforeseen events related to snow sports.
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Tailored to Your Trip Duration
We understand that snow sports activities may only be a portion of your extended trip. That's why we offer flexible options to tailor your snow sports cover to the specific dates you'll be participating in these activities.
Important Note:
- It's essential to declare your snow sports activities when purchasing your policy to ensure you have the appropriate coverage.
- Certain high-risk snow sports activities may be excluded. Refer to the Product Disclosure Statement (PDS) for complete details.
With our long term travel insurance and snow sports cover, you can enjoy your winter wonderland adventures with peace of mind.
Choosing the Right Coverage for Your Needs
When selecting long term travel insurance, it's essential to consider your travel habits, destinations, planned activities, and any specific coverage needs. For instance, if you're planning a gap year that involves adventure sports, you'll need a policy that covers those activities. Similarly, if you're traveling to a remote region, you'll need a plan with comprehensive medical evacuation coverage.
Important Considerations
Before purchasing travel insurance, it's crucial to read the policy's terms and conditions carefully. Each policy may have different limitations, exclusions, and excesses that can affect your coverage. Always consult the current Combined Financial Services Guide and Product Disclosure Statement (PDS) for complete details.
Long Term Travel Insurance FAQs
See our comprehensive answers to frequently asked questions related to long-term travel.
What is long term travel insurance?
Long term travel insurance is designed for extended trips, typically lasting up to a year. It provides continuous coverage for individuals on gap years, working holidays, or similar adventures, so you don't have to worry about renewing your policy every few weeks or months.
What is International Experience Canada (IEC)?
International Experience Canada (IEC) is a program that allows young individuals from participating countries to work and travel in Canada for up to one year. It provides opportunities to gain international work experience and explore Canadian culture.
Does long term travel insurance include cruise cover?
Yes, our long term travel insurance policies include cruise cover. This means you're protected for medical emergencies, cabin confinement, missed ports, and prepaid shore excursion cancellations while cruising.
Is there specific travel insurance for International Experience Canada (IEC)?
Yes, our long term travel insurance policies can meet the specific requirements of the IEC program. This includes coverage for medical expenses, trip interruption, and personal liability, ensuring you meet the visa conditions and have a worry-free experience in Canada.
What is overseas travel insurance?
Overseas travel insurance is a type of insurance that provides coverage for medical expenses, trip cancellations, lost luggage, and other unexpected events that may occur while traveling outside of your home country. It is essential protection for anyone planning an international trip.
Is there specific travel insurance for Australia?
Yes, we offer Australia travel insurance, which is tailored to the specific needs of travellers within Australia. It covers domestic travel within the country, including medical emergencies, trip cancellations, and baggage issues.
What is backpackers travel insurance?
Backpackers travel insurance is designed for budget-conscious travelers who plan extended trips with multiple destinations. It offers flexible coverage options and typically includes adventure activities, making it ideal for backpacking adventures.
What is gap year travel insurance?
Gap year travel insurance is specifically designed for individuals taking a year off between life stages, such as after high school or before starting a career. It provides comprehensive coverage for extended trips, including unique benefits like adventure activities and flexible return options.
What is extended travel insurance?
Extended travel insurance offers coverage for trips that last longer than a typical vacation, usually ranging from a few months to a year. It is suitable for long-term travel, working holidays, or any extended stay abroad.
What is annual travel insurance?
Annual travel insurance, or long term travel insurance, provides coverage for an entire year. It is an option available for backpackers, extended travellers, and for Australians travelling overseas and applying for a visa.
What is multi-trip travel insurance?
Multi-trip travel insurance is similar to annual travel insurance, covering multiple trips within a year, but not continuous one-year cover. It offers flexibility and cost-effectiveness for those who travel frequently for business or leisure.
What is worldwide travel insurance?
Worldwide travel insurance provides coverage for trips to destinations across the globe. It offers comprehensive protection for medical emergencies, trip cancellations, baggage issues, and other unforeseen events, no matter where you travel.
What is comprehensive travel insurance?
Comprehensive travel insurance offers the highest level of coverage, protecting you against a wide range of travel risks. It typically includes medical expenses, trip cancellations, baggage loss or delay, personal liability, and various other benefits for a worry-free trip.
How to Purchase Long Term Travel Insurance
Ready to secure comprehensive protection for your extended travels? You can easily purchase long term travel insurance online by visiting our website or contacting our customer service team. Our friendly and knowledgeable representatives are available to answer your questions and help you find the perfect plan for your needs.
Cover is subject to the policy terms, conditions, limitations, and those exclusions set out in the current Combined Financial Services Guide and Product Disclosure Statement (PDS). Read the PDS prior to choosing an overseas travel insurance plan that includes cancellation travel insurance cover.
