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How to get travel insurance when you don’t know your exact travel return date

February 6, 2012 By Damian Tysdal

Backpacker Travel InsuranceWe recently read this question on another forum: “I’m going backpacking for about three months in Europe. I don’t know exactly when I’ll return, can I still get travel insurance? It seems that all the plans want a hard return date.”

You absolutely can get travel insurance in this case.

What you want is a travel medical policy for at least 90 days that may also be renewed, or a plan that allows for a period of coverage that is longer than you plan to be gone.

In this plan, it’s likely that you’ll want these coverage options at a minimum:

  1. Medical care
  2. Trip interruption
  3. Emergency Evacuation

See the following two travel medical insurance plans as examples.

Liaison International from Seven Corners

This plan has coverage for 5 days all the way up to 180 days. You choose the coverage limits and deductible. And, it’s available to U.S. and non U.S. citizens.

Summary of coverage:

  • Medical: $50,000 – $1,000,000
  • Deductible: $0 – $2,500
  • Emergency dental: $500
  • Evacuation: $300,000
  • AD&D: $25,000

See the complete Liaison International plan details.

TravelGap Voyager from HTH Worldwide

HTH WorldwideThis plan covers trips up to 6 months and covers pre-existing conditions for medical care and evacuation. Your choice of medical limits and deductibles helps you keep costs down.

Summary of coverage:

  • Medical: $50,000 – $1,000,000
  • Deductible: $0 – $500
  • Emergency dental: $200
  • Evacuation: $500,000
  • AD&D: $25,000

See the complete TravelGap Voyager plan details.

It’s important to note that these are only two examples of travel insurance plans to fit this particular need. Use our travel insurance comparison tool, type in a few trip details, and get a number of quotes from a number of travel insurance providers.

Filed Under: Learning

About Damian Tysdal

Damian Tysdal is the founder of TravelInsuranceReview, and he believes travel insurance should be easier to understand. See more from Damian on Google+.

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About this website

My name is Damian, and I started this website in 2006 to help travelers understand travel insurance.

The site features company reviews, guides, articles, and many blog posts to help you better understand travel insurance and pick the right plan for your trip (assuming you actually need travel insurance).

I am also a licensed travel insurance agent, and you can get a quote and purchase through this site as well.

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