Long-Term Travel Insurance

We believe that insurance should be more than just a policy—it should be a pathway to security, confidence, and peace of mind through trust. As dedicated insurance brokers, our mission is to empower our clients to make informed insurance decisions and reap the benefits of long-term financial security.

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What is long-term travel insurance, and why do I need it?

Long-term travel insurance provides comprehensive coverage for individuals planning to travel for an extended period, typically ranging from several months to a year or more. This type of insurance is ideal for those going on gap years, long vacations, working holidays, or traveling for business over an extended duration. It ensures that you're protected throughout your entire trip, regardless of its length, covering unexpected emergencies that could arise during your travels.

If you're planning to be away for an extended period, long-term travel insurance is essential because it provides ongoing protection in case of illness, accidents, or other emergencies that could disrupt your travels. Without it, you could face significant out-of-pocket costs for medical care or other unexpected events, especially in foreign countries where healthcare systems may be costly for tourists. Having long-term insurance gives you peace of mind and financial security, so you can focus on enjoying your travels.

What does a long-term travel insurance policy usually cover?

Medical Expenses: Coverage for emergency medical treatment, hospital stays, and evacuation due to illness or injury while abroad.
Trip Cancellation/Interruption: Reimbursement for non-refundable trip costs if your travel plans are interrupted or canceled due to unforeseen events such as illness or emergencies.
Lost or Stolen Luggage: Protection for your belongings if they are lost, stolen, or damaged during your travels.
Personal Liability: Coverage in case you are held responsible for injury or damage to a third party during your trip.
Emergency Assistance Services: Access to a 24/7 helpline for medical and travel-related emergencies, offering support no matter where you are.
Repatriation: Coverage for your return to your home country in the event of severe illness, injury, or death.

What add-ons should I opt for with my long-term travel insurance policy?

Adventure Sports Coverage: If you plan on engaging in adventurous activities like hiking, scuba diving, or extreme sports, this add-on provides coverage for any related injuries or accidents.
Mental Health and Wellness Coverage: Mental health support is often overlooked in traditional travel insurance, but it’s a valuable add-on for long-term travelers. It covers therapy, counseling, and even emergency evacuation if needed due to mental health issues.
Annual Health Check-up Coverage: For long-term travelers who may spend an extended amount of time abroad, this add-on covers health check-ups or vaccinations that may be required in your destination country, ensuring you stay healthy and safe during your travels.

How can Unione Help?

Unione simplifies securing long-term travel insurance by offering expert advice and access to a broad range of policies. We understand that long-term travelers have unique needs and can help you find the right policy that covers everything you might encounter during an extended stay abroad.

Our insurance consultants will work closely with you to assess your travel plans and ensure you get a comprehensive, tailored policy. Whether it’s adding specialized coverage for adventure activities or ensuring you have sufficient medical protection, Unione makes it easier to select a plan that fits your travel style and offers maximum protection. Let us handle the complexities of travel insurance, so you can focus on your journey with confidence and peace of mind.