How Long Does Travel Insurance Last?

How Long Does Travel Insurance Last?

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Most travel insurance policies are designed to cover travelers from door-to-door, starting when they leave home and ending when they return home. However, there are different types of policies that provide coverage for different periods of time.

Most Single Trip Policies Last the Length of Your Trip

Single trip travel insurance policies with Trip Cancellation provide comprehensive coverage for the entire length of your trip. Typically, these policies can last up one year, however it varies by policy.

The length of your trip is one of the primary factors in determining a policy’s premium. Other factors include your total trip cost and the age of each traveler.

Trip Cancellation protects your trip expenses if you cannot take your trip for a reason covered by the policy. These policies are available up until the day before you leave for your trip, and also include Trip Interruption coverage to cover for the portions of your trip you miss if you have to return home early.

Some Single Trip Policies May Be Extended

Certain policies without Trip Cancellation are “International Medical” policies, which cover you while you are outside of your home country. These policies also last up to one year, however some can be renewed for up to 36 months if you extend your trip. In this case, your coverage will end when the renewal period expires.

When you search for travel insurance on, you will need to enter a defined departure and return date. For all single trip policies, whether it’s a standard policy with Trip Cancellation or an International Medical policy, this defines how long your coverage lasts. However, if you choose a renewable International Medical policy, it will be defined in the policy’s certificate.

Annual Travel Insurance Policies

Annual travel insurance is designed to provide Emergency Medical and Medical Evacuation coverage for multiple trips throughout one year. These policies last one year from the start date, which should be the departure date of your first trip.