Planning to travel continuously for 6 or 12 months? Standard single-trip travel insurance typically covers a fixed window of up to 90 days. For longer journeys — gap years, sabbaticals, digital nomad trips or extended career breaks — you need long-term travel insurance designed for continuous coverage.
Who Needs Long-Term Travel Insurance?
- Digital nomads travelling between countries without a fixed base
- Sabbatical takers and people on career breaks
- Gap-year students and post-university travellers
- Anyone relocating slowly across multiple countries before settling
- Spanish residents taking extended travel between insurance renewals
What Long-Term Travel Insurance Covers
A 6 or 12 month policy typically covers emergency medical treatment, repatriation, trip cancellation, lost or stolen luggage, personal liability, and flight delays. Exact cover varies by insurer and plan. Cover for adventure activities, pre-existing conditions or extended stays in a single country may need to be added or specifically declared.
Travel Insurance vs International Health Insurance
Long-term travel insurance is still travel insurance — it is designed for emergencies and travel-related risks, not routine healthcare. If you live abroad long-term and need regular check-ups, prescriptions or specialist treatment, you need international health insurance instead.
What to Check Before You Buy
- Maximum trip length and whether you can extend mid-trip
- Countries covered (worldwide, including or excluding USA/Canada)
- How pre-existing conditions are treated
- Adventure activities cover (skiing, hiking, scuba)
- Cancellation, baggage and personal liability limits
- How claims are handled while you are travelling
247 Expat Insurance arranges long-term travel cover for Spanish residents and people moving to Spain. Get in touch with your travel dates, destinations and any activities planned, and we will come back with suitable options.