The best travel insurance providers for long term travellers

Choosing a travel insurance provider can seem like a daunting task. I mean where do you start and what do you look for? Not all insurance providers offer the right type of cover for you. It’s so important you know what’s covered and what’s not. Most travel insurance providers insist the policy is taken out before you leave your home country. For long term travellers, returning home once a year to renew your travel insurance policy is tantamount to madness. In our experience, there are 2 main players and they’re best travel insurance providers for long term travellers: World Nomads and True Traveller.

When it comes to choosing your travel insurance provider, the right choice is down to what your requirements are. Some providers offer higher values and wider cover as standard for a higher premium. Others may offer lower values and more narrow cover for a lower premium but with the option to add on optional extras to suit your needs. Each has its place and what is best is unique to you and your own needs. So let’s take a look at these 2 market leaders in travel insurance for long term travellers.

What World Nomad says about their travel insurance

“Trusted reliable underwriters

World Nomads is backed by a suite of strong, secure, specialist travel insurers who provide you with great cover, 24 hour emergency assistance and the highest levels of support and claims management when you need it most.

Value for money with the cover you need

World Nomads provides cover for what’s important for travellers from 140 countries. By focusing on what you need and leaving out what you don’t, their prices are some of the most competitive online.

Flexibility when you need it most

Had a change of plans? You can extend your policy or claim online while you’re still away. You can even buy a World Nomads policy if you’re already travelling.

Cover for a range of adventure activities

From skiing & snowboarding in New Zealand to whitewater rafting in Colorado, World Nomads cover a range of adventure activities, giving you peace of mind to get the most from your travels.

World Nomads keeps you travelling safely

All World Nomads members have access to up-to-date travel safety alerts, as well as travel safety advice and tips online through the World Nomads Travel Safety Hub.

More than just great value travel insurance

All World Nomads members can learn the local lingo through a series of iPod & iPhone Language Guides and can stay in touch with family and friends with an online travel journal.

Commitment to exceptional customer service

World Nomads is well known for its commitment to great customer service. They always make sure you get the most from their travel insurance policy. Their 24 hour customer service agents are friendly, patient and efficient.”

You can use the widget below to look up a policy that is right for you:

Read next: 19 common travel insurance mistakes & how to avoid them

What True Travellers says about their travel insurance

“The True Traveller was set up in 2010 by three travellers who first met each other when they all worked for a very well-known travel company in London in the late 1980’s. All three eventually went their separate ways but came back together to set up The True Traveller which was again a travel company specialising in adventure holidays.

At the time of setting up the holiday company, they knew the importance of having really good insurance, as if you’re travelling to Mera Peak in Nepal or travelling overland through Africa, your average high street insurance may not be sufficient. So, as well as doing the adventure holidays, they also set up their own insurance scheme.

Time went on, and the demand for the travel insurance by far exceeded the demand for the holidays, so in 2012 the insurance side was split from the original website to sit on its own dedicated website. The insurance side grew and grew so the decision was made to close down the holiday side of The True Traveller in 2014.

So, essentially we’re travel people who just happen now to be insurance people, but we think of ourselves as travellers. That’s why we called the company The True Traveller, and that’s why our strapline is “Travel Insurance designed by travellers”.

With a 5 star rating on TrustPilot, available if you’re already travelling and the option to extend your policy by up to 1 year, The True Traveller is a top drawer contender for your business. But only if you’re a UK or EU citizen.

Click the image below for your free travel insurance quote from True Travellers now.

Best travel insurance providers for long term travellers

World Nomads and True Traveller – price comparison

World Nomads and True Traveller’s offerings are slightly different from each other so it’s somewhat unfair on both insurers to conclude which provider offers best value for money based on one set of requirements.

We’ve just obtained a couple of quotes to try to illustrate a few differences.

Based on a couple in their 40s who want cover of £5m for medical expenses, True Traveller quoted £720 and World Nomads quoted £840 for 12 months continuous cover. A pretty big price difference but there are a few extra benefits and higher limits offered by World Nomads’ policy not covered by True Traveller. Whether these benefits are important to you is for your to decide.

Now the same couple will turn 50 soon. The World Nomad price increases to £1096 compared to True Traveller’s new quote of £770. Still the cover differs so we’re still not comparing apples and pears.

Both World Nomads and True Traveller are renowned as the best travel insurance providers for long term travellers. Even so, our advice is to make sure you’re clear about the cover you need before you compare prices. Being over insured only costs money you could otherwise save for your trip. Being under insured could give you a nasty shock at the worst possible time. And don’t forget to read this article on all you need to know about travel insurance to help you avoid costly mistakes.

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Choosing a travel insurance company can seem like a daunting task, but we think we've found the best travel insurance provider out there.

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