The average vacation an American takes is around 11 days. But in some situations, that just isn’t enough. Maybe you’re planning a backpacking trip through the Alps, or you want to visit half a dozen national parks. Whatever the case, you need specific travel insurance to cover you.
Many travel insurance plans can only cover a max trip length of 30 days. While this is fine for typical vacations, it isn’t sufficient for longer journeys, and you don’t want to risk going without coverage. 90 day travel insurance is the answer.
What is 90 Day Travel Insurance?
90 day travel insurance is a travel insurance plan with a maximum coverage length of 90 days or beyond. These travel insurance plans are ideally suited for longer trips either domestically or internationally.
What Does 90 Day Travel Insurance Cover?
A 90 day travel insurance plan can typically offer the same coverage as any other travel insurance plan, just over a longer period. Though the coverage will vary by policy, most 90 day travel insurance plans can offer:
- Trip cancellation coverage
- Emergency medical coverage
- Travel delay coverage
- Lost or delayed baggage coverage
- Trip interruption coverage
Each 90 day travel insurance may offer additional benefits as well, so be sure to do your research, and contact us if you have any questions.
What Does 90 Day Travel Insurance Not Cover?
Depending on the plan you choose, not every 90 day travel insurance policy will necessarily offer cancel for any reason coverage or hazardous sports coverage. You will need to read the policy documents carefully to determine if the travel insurance meets your needs.
In addition, the vast majority of travel insurance plans (with some exceptions) will not cover trips lasting longer than 180 days. If you need longer coverage than that, consider travel medical insurance.
How is 90 Day Coverage Different than Multi-Trip Insurance?
90 day travel insurance typically provides coverage for a single trip lasting up to the maximum coverage duration (90 days, 180 days, etc.) On the other hand, a multi-trip travel insurance policy allows you to take as many trips as you want throughout the year, provided that each trip does not exceed the single trip maximum length as described by the specific policy. Multi-trip insurance can also offer benefits such as PPO network coverage for trips to or within the USA, which 90 day travel insurance typically does not offer.
If you’re a business traveler or you take many trips throughout the year, a multi-trip travel insurance plan may make the most sense for you. However, if you’re only planning one long trip, 90 day travel insurance is likely going to be the better option.
What Else Should I Consider Before Your Trip?
When preparing for a long trip, especially one that spans 90 days or more, there are several important factors to consider to ensure a safe and hassle-free journey. First, verify the specific benefits and limits of your 90-day travel insurance plan. Coverage for emergency medical care, trip cancellations, or interruptions can vary significantly between policies, so understanding your plan is essential. If you have any pre-existing health conditions, check whether your insurance covers them. Many plans include this coverage if purchased within a specified time after booking.
Additionally, research your destination for potential risks, such as extreme weather, health advisories, or political instability, and ensure your plan provides sufficient medical evacuation and trip interruption coverage for these scenarios. Be sure to have all necessary documentation ready, including policy details, emergency contact numbers, and medical records if applicable, so you can quickly file a claim or receive medical care if needed. Finally, since delays are more likely on longer trips, choose a plan that includes coverage for delayed flights, lost baggage, and accommodations during travel disruptions. By addressing these considerations, you can handle unexpected situations confidently and enjoy a stress-free journey.
How to Get 90 Day Travel Insurance
Getting the best 90 day travel insurance is simple. Just visit the quote form, enter your trip and traveler details, and get instant quotes for multiple plans. You can easily compare plans side by side and purchase online in minutes.
Frequently Asked Questions About 90 Day Travel Insurance
What is the maximum number of days covered by travel insurance?
The maximum number of days covered by travel insurance varies depending on the plan. Some plans cover up to 30 days, others to 90 or 180 days, and some can cover up to 364 days. Visit the travel insurance quote form to see what choices are available for your trip.
What is the best 90 day travel insurance?
The best 90 day travel insurance for your needs depends on the specific details of your trip and your personal preferences. See below for a few excellent 90 day travel insurance plans.
How much does 90 day travel insurance cost?
Looking for cheap 90 day travel insurance? To view 90 day travel insurance prices, visit the quote form or click the plan you’re interested in below. Once you’ve entered your trip information you’ll be able to get instant quotes for the exact price of the 90 day travel insurance plans you’re interested in.
Can you buy temporary travel insurance?
Yes, you can buy temporary travel insurance. These policies are designed for short-term coverage and can last from a few days to several months, depending on your needs. Temporary travel insurance is ideal for single trips, providing protection for trip cancellations, medical emergencies, and other travel-related risks during your journey.
How long before traveling should you get insurance?
It’s best to purchase travel insurance as soon as you book your trip. Many benefits, such as trip cancellation coverage, apply only if you buy the policy before any issues arise. Additionally, buying early ensures access to options like pre-existing condition waivers or Cancel For Any Reason (CFAR) coverage, which have strict time limits after your initial trip deposit.
90 Day Travel Insurance Plans
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