Long-Stay Travel Insurance

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Long-Stay Travel Insurance

Studying, working, or retiring abroad for more than 90 days? Standard short-stay travel insurance won't cover you for the whole journey. Xerter compares long-stay plans from multiple trusted insurers, built for extended trips, study terms, remote work, and national long-stay visas — so you're covered for as long as you're away.

Stays Over 90 Days

Built For

Up to €200,000

Typical Medical Coverage

Renewable Monthly

Policy Length

Regional or Worldwide

Coverage Scope

What Is Long-Stay Travel Insurance?

Long-stay travel insurance is designed for trips that go beyond the typical 90-day limit of short-stay or Schengen policies — gap years, study terms, remote work stints, sabbaticals, and retirement abroad. It provides the same core protection as short-stay cover, usually with higher medical limits, because a longer trip carries more time for something to go wrong.

It's also the type of policy most national long-stay (type D) visas ask for, since a short-stay Schengen policy simply isn't valid once your visa or residence permit extends past 90 days.

Who Needs It?

Long-stay travel insurance suits anyone abroad for an extended, defined period without yet being enrolled in their destination's public healthcare system. That typically includes:

Students studying abroad for a semester, year, or full degree

Remote workers and digital nomads based abroad for months at a time

Retirees spending an extended season — or longer — in another country

Applicants for a national long-stay (type D) visa or long-term residence permit

Gap year and sabbatical travelers on a single extended trip

What Long-Stay Visas Typically Ask For

Long-stay and national visa requirements vary by destination country, but most insurers and immigration offices look for the same core elements:

Medical coverage well above the Schengen short-stay minimum — often €100,000 to €200,000 or more

A policy valid for your entire visa or residence permit period, with the option to renew or extend from abroad

Emergency repatriation and mortal remains coverage, the same as short-stay policies

No arbitrary cap on individual trip length — cover for one continuous stay, not several separate short trips

Issued by an insurer your destination's consulate or immigration office actually accepts

Choose Your Coverage Region

Long-stay plans are typically priced and structured by region — pick the scope that matches where your stay is based.

Schengen / Europe

For extended stays anywhere within Europe's Schengen Area and neighboring countries.

United Kingdom

Tailored to the UK's own long-stay visa and healthcare surcharge rules.

Worldwide

Full global coverage for remote work, study, or retirement anywhere outside your home country.

What's Typically Covered

Higher Medical Expense Limits

Coverage for illness or injury built for the extra risk of a longer trip, often well beyond short-stay limits.

Hospitalization

In-patient care and treatment if you're admitted to hospital while abroad.

Emergency Repatriation

Medical transport home when your condition requires it, wherever your stay is based.

Baggage & Personal Belongings

Protection for lost, stolen, or damaged belongings over an extended trip.

Personal Liability Abroad

Cover if you're accidentally responsible for injury or damage while living abroad.

24/7 Multilingual Assistance

A helpline to coordinate care and paperwork for however long you're away.

Depending on the plan and provider, you can often add optional protection too — epidemic/COVID-19 coverage, legal assistance, coverage for adventure sports, or psychological support after a traumatic event. Compare plans on Xerter to see exactly what each insurer includes.

How to Choose the Right Long-Stay Plan

Match the policy length exactly to your visa or planned stay — many insurers offer monthly renewable long-stay plans if your return date isn't fixed yet

Check whether pre-existing conditions are covered, excluded, or available for an extra premium

Confirm the insurer is accepted by your destination's consulate or immigration office before you apply

Compare deductible options — a slightly higher premium with a lower deductible often costs less overall on a long trip

Frequently Asked Questions

What counts as a "long stay"?

Most insurers and Schengen rules define long-stay as anything beyond 90 days in a 180-day period — the point at which a short-stay Schengen (type C) policy is no longer valid and a long-stay or national (type D) policy is needed instead.

Do I need a different policy for a national (type D) visa than for a Schengen (type C) visa?

Usually, yes. A Schengen short-stay policy is capped at 90 days and won't satisfy a national long-stay visa application — you'll need a long-stay policy sized and dated to match your actual visa period.

Can I extend or renew a long-stay policy while I'm already abroad?

Many long-stay plans are structured as renewable monthly policies specifically so you can extend coverage from abroad if your stay runs longer than planned — worth confirming before you buy if your return date isn't fixed.

Does long-stay insurance cover pre-existing medical conditions?

It depends on the plan — some exclude pre-existing conditions entirely, others cover them for an additional premium. Compare plans on Xerter to see each insurer's policy before you choose.

Is baggage or personal liability coverage included?

Many long-stay plans include baggage and personal liability protection as standard, alongside the core medical coverage — but limits vary by insurer, so it's worth checking the details of each plan.

Relocating to Germany Long-Term?

If your long stay is actually a move to Germany through the Opportunity Card (Chancenkarte) program, chancenkarten.com has dedicated guides on eligibility, certificate recognition, blocked accounts, and the health insurance that program specifically requires.

Ready to Get Covered for the Long Haul?

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