Long-term Trip Type
60 to 365 days of coverage
Designed for people up to 65 years of age who wish to travel for more than 60 days. Ideal for international students, executives assigned to work abroad, or long-term leisure travel.
Extended coverage for parents or family on longer US visits — 60 to 365 days of protection with no deductibles.
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.
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| Benefit | Ultra | VIP | VIP Plus |
|---|---|---|---|
| Medical Benefits | |||
| Medical Accident | $30,000 | $100,000 | $250,000 |
| Medical Illness | $30,000 | $100,000 | $250,000 |
| COVID-19 (≤75 yrs) | Included | Included | Included |
| Pre-existing Conditions | $500 | $2,000 | $6,000 |
| Medications | Included | Included | Included |
| Dental Emergency | $300 | $1,500 | $1,700 |
| Emergency Medical Evacuation | $30,000 | $100,000 | Included |
| Amateur Sports | $10,000 | $10,000 | $20,000 |
| Non-Medical Benefits | |||
| Safe Journey Home / Funeral Assistance | $30,000 | $60,000 | Included |
| Accidental Death (≤84 yrs) | $30,000 | $50,000 | $100,000 |
| Family Transfer for Hospitalization | Included in all tiers | ||
| Hotel Convalescence / COVID | $800 | $2,000 | $2,200 |
| Trip Cancellation (≤74 yrs) | $2,000 | $2,000 | $2,200 |
| Baggage Delay | $400 | $800 | $1,500 |
| Baggage Loss | $1,000 | $2,000 | $3,000 |
| Missed Flight | $300 | $500 | $550 |
| Flight Delay / Cancellation | N/A | $150 | $350 |
| Passport Theft / Loss | $70 | $100 | $100 |
All plans: $0 deductible, 100% co-insurance, 24/7 assistance, direct billing available where possible.
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 60 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 65 years of age.
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 60 to 365 days.