Insurance for travel and trips is more essential now than ever before.
Why? It boils down to two reasons...
1.
You need to cover yourself for the "unknown" on your trip.
Such as medical emergencies, hospital stays, surgery and much more.
2.
Do you know what the biggest reason for personal bankruptcy is in the United States? Medical bills! You see, most (and I mean 98%) of all employer based medical plans will not cover overseas medical expenses.
Some health plans won't cover you when out of the coverage area (mostly HMO's).
Follow my on this logic.
If Medical bills are biggest reason for bankruptcy and your medical insurance plan doesn't cover you in your own area, then what happens if you become ill or have accident when you need to travel? The medical bills will pile in and it could spell financial ruin, nobody wants to go through a bankruptcy.
Long stay travel insurance can cover you for a full year if that is what you need.
On the other hand you can be covered for as little as 5 days also.
The plans will vary, but you should allows have medical provisions in what ever policy you choose.
My intention is not to scare but help you see that Insurance for travel is important.
There are sites out there that can help you find the right coverage for you.
If you don't know your needs there is help also.
The best thing that you can do is compare policies with the needs that you have.