Long Stay travel Insurance Packages

The world is becoming a global village and travel insurance for long stays is one fall out of globalization as relatives and friends travel across the world to be with their loved ones for months and even years. Before you pack your leather belts, this article guides you through:

• Test your knowledge on long term and short term travel insurance
• What comes under the coverage of long term and short term travel insurance?
• Who can go for long term travel insurance?

Many companies outline various cover under various insurance packages. Some of them are:

Single Trip

Single trip cover is for an individual or a family or even a group. It is for trips from 3 days up to 365 days. The premium mainly depends on the cost of travel like the tickets and other bookings. Other factors that influence the premium is the number of days. If booking for insurance is done early then discounts, pre-existing medical condition waiver, additional sports cover, winter sports cover, golf cover or business cover is offered at the same premium.

Annual Multi Trip

The need for extra trips makes you take the annual policy since this allows you unlimited trips which can be a maximum of ninety days. These trips allow you the options of winter sport, golf or business cover. But the hitch to it is that you should travel back within that 90 days or you would not be covered by insurance.

Ski/ Snowboarding

Many from the countries, near the North Pole travel south to escape the severe winter. And many times they choose to go on a holiday during this time. Europe with its mountainous regions provided good holiday trips. These trips are offered for long stays, even up to a year, offering a variety of winter sport activities. Read the policy guidelines to check for sport you are covered and for other necessary clauses. Additional cover includes business cover as well.

Backpacker

Backpacker's trips can extend from a year up to three years. There are age limits on the traveler. The maximum age is that stipulated by the insurance company. Long stay travel insurance offer adventure sports as additional cover which is limited by a standard list of sport and risk level. If you are outside the purview of this list contact the insurance provide for a tailor made policy.

Over 50/65 travel insurance

Travel insurance for the over 50s or senior citizens involve parents wanting to see their children who are working abroad. These trips may be anywhere from 3 months to years. Also in most cases parents go abroad to avail medical treatment. In these cases please check with the government for the rules and other insurance necessities.

Gap Year travel Insurance

For students out on a semester or even a year and are not going back packing then this is one policy made to suit your needs. But make sure to read backpackers policy as well and look at inclusions and exclusions and your needs.

Long stay or short stay the essence of travel is enjoyment and caution is also a necessity for proper enjoyment. Look at policies and choose wisely a long stay travel insurance policy to include cover that is essential to you.