Long stay travel insurance for extended vacations, business trips or overseas missionary assignments is needed for peace of mind and your health.

Policies an cover you anywhere from 5 days to 365 days. The "standard" extended stay policy will cover you for 90 days. Obviously there are exceptions.

This is important because flexibility can be a key factor . Length of stay can vary, but you don't want a lapse in coverage, especially for the medical portion f most travel insurance policies.

With all types of insurance becoming very competitive, there are opportunities to get affordable coverage. The basic business principle of captalism applies here. The more competition, the prices will go down. Keep this in mind when looking for long stay travel insurance.

Ok, if you are new to the whole travel insurance thing you might be asking a few questions here, like...

• What exactly is covered by a travel insurance policy?
• Where can I find the best deal?
• Do I even need travel insurance?

Ok, I am going to answer to briefly answer these questions real quick.

Starting with the last question. "Do I even need travel insurance?" Yes, when you travel you should always have coverage. You never know what will happen to you.

To answer the the second question, "Where can I find the best deal?" Online, you compare several companies (I will tell you where in a minute). Comparing and reading reviews is the best way to learn about what policy you should purchase.

Lastly, to answer the first question, "What exactly is covered by a travel insurance policy?" You can buy policy that will cover just flight and luggage or you can get a policy that is more like a deluxe package covering things like...

• Medical Illness or accidents emergency
• Pre-existing conditions
• Death / dismemberment
• Flight cancellation / delays

Article by: Francis Murray

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