Does a one-year travel insurance policy cover an entire long stay in Vietnam?

On October 10, 2026, participants disagreed about coverage under a policy valid for 365 days. One described the terms as covering a single trip for its full duration, up to a year, with a 90-day limit for repeated trips. A reply distinguished policy validity from coverage duration and disputed coverage for a six-month stay; the final message instead referred to relying on 90 days of coverage.