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Insurance type

Travel insurance, and where it stops working

Short trips (under 3 months), vacations, weekend trips, gig travel. What travel insurance actually covers, what it doesn't, and the countries we've mapped local costs and rules for. A trip policy and a health plan are not the same shelf.

What travel insurance covers

What you get

  • Emergency medical and dental
  • Trip cancellation and interruption
  • Lost or delayed baggage
  • Travel-document theft
  • Adventure-sport add-ons (some plans)

What it won't do

  • Routine care, chronic-condition management
  • Maternity, mental-health
  • Trips longer than the policy's max (often 90 days)
Get matched

Who travel insurance is for

The right cover follows the way you travel, not the other way round. Travel insurance fits some situations and quietly falls short in others.

A good fit if

  • Short trips under three months: holidays, visa runs, a few weeks of work from somewhere new.
  • People who mainly need emergency medical plus their trip protected if it falls through.
  • Travelers who want cover in place fast without medical underwriting.

Look elsewhere if

  • Anyone staying past the policy's day limit, which is often 90. Long-stay or nomad cover picks up there.
  • People who need routine or ongoing treatment rather than one-off emergencies.

How travel insurance compares

The types overlap enough to be confusing and differ enough to matter. Here is where travel insurance sits next to the rest.

  • Typical stay

    Travel
    Up to ~90 days
    Nomad
    Long, multi-country
    Expat
    Years, one base

  • Medical depth

    Travel
    Emergencies only
    Nomad
    Emergencies + outpatient on better plans
    Expat
    Full inpatient + outpatient

  • Gear cover

    Travel
    Baggage; gear on some plans
    Nomad
    Add-on
    Expat
    No

  • Chronic / ongoing care

    Travel
    No
    Nomad
    Limited
    Expat
    Yes

What travel insurance costs

There is no single price, and any figure quoted without your details is a guess. What sets your premium is a short list, and knowing it is how you tell a fair quote from a padded one.

  • Trip length and where you are going.
  • Your age.
  • The medical limit and the excess you accept.
  • Add-ons like adventure sports or expensive gear.

Want a real number instead of a range? Answer a few honest questions and see the options that actually fit, priced on your age, plan and destination.

Travel insurance by country

Local costs, mandatory-cover rules and the policy gotchas change by country. Pick yours for the travel detail.

Travel insurance: common questions

Most single-trip policies cap at 90 days. Past that the cover simply ends, so a longer stay needs long-stay or nomad insurance rather than a stretched travel policy.

No. It pays for emergencies and unexpected illness on the trip, not check-ups, prescriptions you already take, or ongoing treatment. That gap is the reason longer stays outgrow it.

Usually yes, and it is the main thing that separates travel insurance from pure medical cover. Read what counts as a covered reason before you rely on it, because the list is narrower than most people expect.

Some insurers let you extend before the policy expires; many will not once you are already abroad. If there is any chance the trip grows, check the extension rule before you go.

Other insurance types

This page explains the product type. It does not state a premium and does not name an insurer. How we measure cost.

In 3 steps

  1. 01

    Fill out

    The form only asks what changes the plan.

  2. 02

    We find your match

    We compare the panel against your route, stay and visa.

  3. 03

    Become a member

    If the offer fits, you take it out directly.

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