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Long term travel insurance

Long stay travel insurance can cover you for 12 months or longer, covering you for medical expenses, cancellations and more.

What you need to know

  • Long term travel insurance can cover you for at least 12 months, and sometimes up to 2 years.
  • Long term travel insurance covers medical expenses, cancellations, luggage and more.
  • Most brands will allow you to extend your policy while you are away.

What travel insurance brands provide long stay policies?

BrandMaximum Trip Length*Conditions of ExtensionEnquire
Medibank Travel Insurance12 monthsIf You are travelling and wish to be insured for longer than the original period shown on Your original Certificate of Insurance, You need to purchase a new policy. Restrictions on the duration of the new policy may apply. For example, the maximum overall period for Worldwide cover is 12 months in total.
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Zoom logo12 monthsYou can purchase the new cover subject to approval and duration of cover cannot exceed the total of 12 months.
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Fast Cover Logo24 monthsThe period of insurance on your original Certificate of Insurance and your new Certificate of Insurance cannot exceed a maximum combined period of 24 months.
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Insure4Less Travel Insurance Logo12 monthsYou can normally extend your policy whilst you are overseas up to a maximum period of 12 months in total from the date cover first started.
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Travel Insuranz Travel Insurance Logo12 monthsYou can normally extend your policy whilst you are overseas up to a maximum period of 12 months in total from the date cover first started.
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insureandgo18 monthsPolicies can be extended only once and only up to the maximum trip length of the travel plan you select One trip, Cruise and Domestic:
  • 365 days if you are aged 64 or under
  • 90 days if you are aged 65 or over (unless you are aged 80 or over, and select a Worldwide Including travel plan)
  • 35 days if you are aged 80 or over, and select a Worldwide Including travel plan
  • Backpackers: 18 months
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Tick Logo12 monthsPolicies can be extended only once and only up to the maximum trip length of the travel plan you select One trip, Cruise and Domestic:
  • 365 days if you are aged 64 or under
  • 90 days if you are aged 65 or over (unless you are aged 80 or over, and select a Worldwide Including travel plan)
  • 35 days if you are aged 80 or over, and select a Worldwide Including travel plan
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World2Cover Logo
12 monthsThe Period of Insurance on Your new Certificate of Insurance, when added to the period of Your original Certificate of Insurance, cannot exceed a combined maximum period of 12 months.
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Covermore logo12 monthsIf You are travelling and wish to be insured for longer than the original period shown on Your original Certificate of Insurance, You need to purchase a new policy. The maximum overall period for Worldwide cover is 12 months in total.
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southern cross travel insurance12 monthsYour length of cover (including the extension) shouldn't be more than 12 months.
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Travel with Kit Logo12 monthsTravel with Kit will not grant an extension to a policy where the total Trip duration will exceed 12 months.More info
Travel with Jane Logo12 monthsTravel with Jane will not grant an extension to a policy where the total Trip duration will exceed 12 months.More info
Travel Insurance Saver12 monthsYou can only extend a policy up to a maximum of 12 months from the original departure date shown on your Certificate of Insurance.
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Easy Travel Insurance12 monthsIf You are travelling and wish to be insured for longer than the original period shown on Your original Certificate of Insurance, You need to purchase a new policy. The maximum overall period for Worldwide cover is 12 months in total.
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Australia Post12 monthsYou can purchase the new cover subject to approval and duration of cover cannot exceed the total of 12 months.
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1Cover Logo
15 monthsYour period of Overseas travel does not exceed 15 consecutive months in total from the date You originally departed Australia.More info
Worldcare24 monthsIf You are travelling and would like to be insured for longer than the original period of cover, you will need to apply for cover prior to the expiry of your original policy. The period of cover on your new Certificate of Insurance cannot exceed 12 months from the start date shown on your new Certificate of Insurance.More info

Note: This information was last updated August 2023

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What does long term travel insurance cover?

Annual travel insurance covers all the same things as a single-trip policy. This includes:

Long term travel insurance is ideal if you're living overseas for a while or if you're backpacking. Healthcare is extrememly expensive for foreigners in lots of countries. Plus, airlines have been less reliable since COVID, so it's good to have a safeguard in place.

What are the benefits of this cover?

  • 24-hour emergency support
  • Cover additional high-risk activities such as mountain biking, paragliding, rock climbing and skydiving
  • Cover for trip curtailment due to an emergency
  • Cover for valuables like cameras, camping gear, e-readers, laptops, phones and tablets
  • Standard sports and activities covered including bungee jumping, hiking, kayaking, rafting, scuba diving and tubing
  • Unlimited overseas medical expenses

What are some common general exclusions?

Though no two long term insurance policies are the same, you will generally not have your claim paid if:

  • Your claim results from a pre-existing medical condition for which you are not covered
  • Your claim relates to any elective medical, dental, cosmetic or surgical procedure
  • You fail to take reasonable care to minimise your loss or injury
  • Your claim relates to you committing an unlawful act
  • Your claim relates to psychiatric, nervous, mental or behavioural disorders
  • Your claim relates to physical, mental or emotional exhaustion
  • Your claim is a result of an intentional self-inflicted injury
  • Your claim is a result of the use of alcohol or drugs, except drugs prescribed by a medical practitioner
  • Your claim relates to a sexually transmitted disease
  • Your claim arises as a result of pregnancy or childbirth
  • Your claim relates to riding a motorcycle (certain exceptions may apply depending on your policy)
  • You participate in professional sport or adventure activities
  • You participate in paid work that is not for your usual employer and was not arranged beforehand
  • Your claim relates to an act of war.

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