Long-term Trip Type
61 to 365 days · Ages up to 65 only
Available for travelers up to age 65. Travelers age 66 or older are not eligible for Long-Term coverage — see the Short-Term plan instead.
For parents and family on extended US visits. Age 65 is the hard cutoff — travelers 66 or older must use the Short-Term plan (up to 60 days, ages up to 84).
Available Coverage Tiers
Select from our 3 coverage tiers when you purchase a long-term trip type. The table below outlines the maximum limits for each tier.
Swipe to see all tiers →
| Benefit | Ultra | VIP | VIP Plus |
|---|---|---|---|
| Medical Benefits | |||
| Medical Assistance for Accident | $30,000 | $100,000 | $250,000 |
| Medical Assistance for Illness | $30,000 | $100,000 | $250,000 |
| Medical Assistance for COVID-19 (≤75 yrs) | Included | Included | Included |
| Pre-Existing Medical Condition | $500 | $2,000 | $6,000 |
| Prescription Drugs | Included | Included | Included |
| Dental Emergency | $300 | $1,500 | $1,700 |
| Repatriation or Sanitary Transfer | $30,000 | $100,000 | Included |
| Amateur Sports Coverage | $10,000 | $10,000 | $20,000 |
| Non-Medical Benefits | |||
| Repatriation of Mortal Remains | $30,000 | $60,000 | Included |
| Accidental Death (≤84 yrs) | $30,000 | $50,000 | $100,000 |
| Transportation of Family Member due to Hospitalization | Included in all tiers | ||
| Hotel Expenses for Convalescence / COVID | $800 | $2,000 | $2,200 |
| Trip Cancellation (≤74 yrs) | $2,000 | $2,000 | $2,200 |
| Expenses for Delay Luggage | $400 | $800 | $1,500 |
| Total and Definitive Loss of Baggage | $1,000 | $2,000 | $3,000 |
| Late Arrival | $300 | $500 | $550 |
| Delayed or Cancelled Flight | N/A | $150 | $350 |
| Theft or Loss of Passport During a Trip | $70 | $100 | $100 |
All plans: $0 deductible, 100% co-insurance, 24/7 assistance, direct billing available where possible. See the full benefits sheet for every covered benefit.
Important: Key exclusions apply
All medical expenses must be pre-authorized by the Assistance Center. Coverage does not include: routine check-ups, elective procedures, pre-planned surgeries, extreme sports, substance abuse treatment, hernias, or injuries without proper safety equipment. Pre-existing coverage is limited to acute emergencies only. See the Terms & Conditions for full coverage details.
Eligibility
Who is eligible?
- Travelers up to age 65
- Trips lasting 61 to 365 days
- Indian travelers
Perfect for
- International students
- Business executives on assignment
- Long-term leisure travelers
- Families on extended visits
Long-term Plan FAQs
Long-Term plans are available for travelers up to age 65 only. Travelers age 66 or older cannot purchase a Long-Term plan under any circumstances. If your traveler is 66 or older, use the Short-Term plan (5–60 days, ages up to 84).
Contact our support team for extension options.
No, you can select your initial coverage period and extend as needed.
Yes, long-term plans cover both business and leisure activities, including extended stays, business travel, or non-hazardous professional travel, subject to exclusions detailed in BMI´s terms and conditions.
Get Your Long-term Coverage Today
Protection for trips of 61 to 365 days.