Global Long-Stay Travel Insurance: Cost, Coverage & Visa Tips for Extended Stays

As more people pursue “digital nomad” lifestyles, extended travels, or multi-month relocations, long-stay travel insurance has become an essential part of planning. But how much does it cost? What coverage should it include? And importantly, how can it satisfy visa or immigration requirements? In this data-driven guide, you’ll find up-to-date pricing benchmarks, coverage strategies, and tips to ensure your insurance supports your stay legally and securely.

1. What Is “Long-Stay / Extended Trip” Travel Insurance?

Standard travel insurance typically covers short trips (days to a few weeks). Long-stay travel insurance (sometimes called extended trip or global Nomad insurance) is tailored for stays lasting several months up to a year (or more), with options for renewal. These policies emphasize medical coverage, emergency evacuation, and continuous protection across multiple countries.

2. Price Benchmarks & What Drives Cost

2.1 Typical Cost Ranges

• A multi-month long-term policy can range $540 to $1,576 depending on age, coverage limit, and region.
• For “Diplomat Long Term” policies, 3-month premiums range from USD 434 to 2,529 (depending on age and coverage).
• Shorter long-stay or “nomad / digital nomad” plans: e.g. 3 months with SafetyWing or others cost a few hundred dollars.
• Heymondo’s “Long Stay” option: ~$162 for worldwide (excluding U.S.) for 90 days, ~$296 including U.S.

2.2 Cost Factors: What Affects Premiums?

• Age and health status — older travelers pay more, and pre-existing conditions may be excluded or raise costs.
• Geographic region and destination risks — countries with high medical costs or conflict zones raise premiums.
• Coverage limits — higher medical, evacuation, dental, and repatriation limits increase cost.
• Deductibles / co-insurance — higher deductibles lower premium, but increase out-of-pocket risk.
• Duration / renewal flexibility — continuous coverage vs fixed term affects pricing.
• Add-ons and riders — “cancel for any reason,” adventure sports, or hazardous activity packs increase costs.

3. What Coverage Should You Prioritize?

For long stays, standard policies often include:

• Emergency medical (hospitalization, outpatient)
• Medical evacuation / repatriation
• Emergency assistance services (24/7 help line, hospital coordination)
• Coverage for COVID-19, pandemic, or infectious disease (where applicable)
• Dental / minor medical (in some plans) — optional extension
• Trip cancellation / interruption / lost baggage — optional but less critical for long stays depending on your mobility

9. Conclusion

For global travelers planning to stay abroad for months or longer, suitable long-stay travel insurance is not optional but essential. As you’ve seen: pricing varies widely (hundreds to over a thousand dollars), coverage must focus heavily on medical and evacuation protections, and proper alignment with visa requirements is key. Use the comparison data and tips above to choose a plan that secures your health and your legal stay.