How to Use the Long-Term Travel Insurance Calculator
Enter your region and length of stay to see the total cost of daily-rate travel insurance versus a flat monthly local health insurance plan side by side. This makes it easy to spot the point at which local insurance becomes the cheaper option as your stay gets longer.
Choosing by Length of Stay
For a short 1-2 month stay, travel insurance is usually cheaper. For stays of 3 months or more, a local health insurance plan's flat monthly cost often beats the accumulated daily rate. Rates vary widely by region, so always run the numbers for your specific destination.
Healthcare Cost Differences by Region
North America and Europe have healthcare costs 2-3x higher than Southeast Asia, so both travel insurance and local insurance rates run higher there. Checking your destination's medical infrastructure and average treatment costs helps with the decision.
Frequently Asked Questions
Travel insurance for short stays, local insurance for stays over 3 months in most cases. The exact break-even varies by region.
North America and Europe have much higher healthcare costs than Southeast Asia.
Some visas require it. Confirm pre-existing condition coverage and medical evacuation options.