cheapest covid 19 travel insurance

• Credit Cards
• All Credit Cards
• Find the Credit Card for You
• Best Credit Cards
• Best Rewards Credit Cards
• Best Travel Credit Cards
• Best 0% APR Credit Cards
• Best Balance Transfer Credit Cards
• Best Cash Back Credit Cards
• Best Credit Card Sign-Up Bonuses
• Best Credit Cards to Build Credit
• Best Credit Cards for Online Shopping
• Find the Best Personal Loan for You
• Best Personal Loans
• Best Debt Consolidation Loans
• Best Loans to Refinance Credit Card Debt
• Best Loans with Fast Funding
• Best Small Personal Loans
• Best Large Personal Loans
• Best Personal Loans to Apply Online
• Best Student Loan Refinance
• Best Car Loans
• All Banking
• Find the Savings Account for You
• Best High Yield Savings Accounts
• Best Big Bank Savings Accounts
• Best Big Bank Checking Accounts
• Best No Fee Checking Accounts
• No Overdraft Fee Checking Accounts
• Best Checking Account Bonuses
• Best Money Market Accounts
• Best Credit Unions
• All Mortgages
• Best Mortgages
• Best Mortgages for Small Down Payment
• Best Mortgages for No Down Payment
• Best Mortgages for Average Credit Score
• Best Mortgages No Origination Fee
• Adjustable Rate Mortgages
• Affording a Mortgage
• All Insurance
• Best Life Insurance
• Best Life Insurance for Seniors
• Best Homeowners Insurance
• Best Renters Insurance
• Best Car Insurance
• Best Pet Insurance
• Best Boat Insurance
• Best Motorcycle Insurance
• Best Travel Insurance
• Event Ticket Insurance
• Small Business
• All Small Business
• Best Small Business Savings Accounts
• Best Small Business Checking Accounts
• Best Credit Cards for Small Business
• Best Small Business Loans
• Best Tax Software for Small Business
• Personal Finance
• All Personal Finance
• Best Budgeting Apps
• Best Expense Tracker Apps
• Best Money Transfer Apps
• Best Resale Apps and Sites
• Buy Now Pay Later (BNPL) Apps
• Best Debt Relief
• Credit Monitoring
• All Credit Monitoring
• Best Credit Monitoring Services
• Best Identity Theft Protection
• How to Boost Your Credit Score
• Best Credit Repair Companies
• Filing For Free
• Best Tax Software
• Best Tax Software for Small Businesses
• Tax Refunds
• Tax Brackets
• Taxes By State
• Tax Payment Plans
• Help for Low Credit Scores
• All Help for Low Credit Scores
• Best Credit Cards for Bad Credit
• Best Personal Loans for Bad Credit
• Best Debt Consolidation Loans for Bad Credit
• Personal Loans if You Don't Have Credit
• Best Credit Cards for Building Credit
• Personal Loans for 580 Credit Score Lower
• Personal Loans for 670 Credit Score or Lower
• Best Mortgages for Bad Credit
• Best Hardship Loans
• All Investing
• Best IRA Accounts
• Best Roth IRA Accounts
• Best Investing Apps
• Best Free Stock Trading Platforms
• Best Robo-Advisors
• Index Funds
• Mutual Funds
• Home & Kitchen
• Gift Guides
• Deals & Sales
• Amazon Prime Day
• Sign up for the CNBC Select Newsletter
• Subscribe to CNBC PRO
• Privacy Policy
• Your Privacy Choices
• Terms Of Service
• CNBC Sitemap

Follow Select

Our top picks of timely offers from our partners

The best Covid-19 travel insurance companies to protect yourself against the uptick in cases

Travel insurance can help if you have to cancel or cut a trip short due to covid..

Though the height of the pandemic may have passed, Covid-19 continues to be a consideration in everyday life. And that's especially true for those who are traveling or booking a trip.  

Getting sick on the road or having to cancel your vacation because of illness is a common concern. However, travel insurance can help you ensure you're covered. Many travel insurance policies consider Covid like they would any other illness, but not all. So, you'll still want to carefully read any travel insurance policy you're considering to make sure Covid isn't excluded. For the most comprehensive coverage, you'll want to opt for a plan with cancel for any reason (CFAR) coverage.

To find the travel insurance policies best suited to handle Covid-related issues, CNBC Select looked at Covid coverage and limits for medical coverage and evacuation, among other factors. We found four standouts for the best Covid travel insurance policies. (See our methodology to learn more about how we created this list.)

Best Covid-19 travel insurance   

• Best for high coverage limits : AXA Travel Insurance  
• Best for cruises: Nationwide Travel Insurance
• Best for luxury travel : Berkshire Hathaway Travel Protection  
• Best for cancel for any reason coverage : Allianz Travel Insurance  

Best for high coverage limits  

Axa assistance usa travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

AXA Assistance USA offers several travel insurance policies that include travel interruption, trip cancellation, and the option of cancel for any reason (CFAR) coverage.

24/7 assistance available

• Three tiers of plans available
• Highly rated for financial strength
• Cancel for any reason only available on highest-tier coverage

Who's this for?  AXA Travel Insurance is ideal for those seeking high coverage limits for emergency accident and sickness medical expenses, as well as emergency evacuations.

Standout benefits:  AXA's silver plan offers up to $25,000 of medical emergency accident and illness coverage and $100,000 of emergency evacuation coverage, higher than many of the base travel plans we compared. The company's gold and platinum plans offer higher limits, up to $250,000 of medical emergency coverage and $1 million of evacuation coverage. When comparing AXA policies, make sure you have the "Epidemic Coverage Endorsement" included.

[ Jump to more details ]  

Best for cruises

Nationwide travel insurance.

Nationwide's wide coverage for travel insurance allows many different types of travelers to find coverage that fits their needs. Three levels of cruise insurance coverage gives extra options to cruise passengers.

• 10-day review period on cruise insurance policies to make sure the plan meets your needs (not available in NY or WA)
• Most basic cruise plan doesn't offer CFAR coverage

Who's this for?  Nationwide's travel insurance offers higher limits than many other base plans we reviewed, with limits of $75,000 for medical coverage and $250,000 of emergency evacuation coverage in its essential plan.  

Standout benefits:  Nationwide offers several plans tailored to different needs, including a cruise-specific travel insurance plan and an annual plan for frequent travelers.  

Best for luxury travel 

Berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

• Wide variety of policies available
• Strong financial strength rating by AM Best
• Cancel for any reason only provides reimbursement for up to 50% of non-refundable trip payments

Who's this for? Those considering expensive travel can find sufficient coverage with Berkshire Hathaway Travel Protection that meets a variety of needs, including coverage for Covid if needed. 

Standout benefits:  Berkshire Hathaway's top-tier LuxuryCare Travel Insurance includes coverage for up to 150% of the trip cost for trip interruption coverage and $100,000 of medical expense coverage.  

Best for cancel for any reason coverage 

Allianz travel insurance.

10 travel insurance plans make it possible to customize your coverage. For families, Allianz's OneTrip Prime package covers children age 17 and younger when traveling with a parent or grandparent.

• Trip cancellation benefits can reimburse your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. 
• Limited coverage for risky sports

Who's this for?  For those wanting the option to cancel for any reason (CFAR), Allianz Travel Insurance plans offer lots of different options, including CFAR add-ons.  

Standout benefits:  Allianz's Cancel Anytime upgrade can reimburse up to 80% of non-refundable trip costs for almost any unforeseeable reason not already covered by the policy. That's higher than most other CFAR coverage, which generally covers 70% to 75% of non-refundable trip costs. It's only available on the brand's OneTrip Prime and OneTrip Premier policies.  

More on our top Covid travel insurance companies 

Axa travel insurance  .

AXA offers three travel insurance plans starting at $16. Its silver plan, the lowest tier of coverage, offers high limits for emergency medical expenses at $25,000 and up to 100% of trip costs for trip interruption coverage. Many policies now include epidemic-related covered reasons.

CFAR coverage available?    

Yes, up to 75% of prepaid, nonrefundable trip costs 

24/7 assistance?   

[ Return to summary ]

Nationwide Travel Insurance 

Nationwide offers travel insurance plans for single trips, multi-trips and cruise-specific plans. The company has an A+ rating for financial strength from rating agency AM Best, and its most basic single trip and cruise plans offer a high limit of $75,000 of medical coverage.  

Berkshire Hathaway Travel Protection  

Berkshire Hathaway's travel coverage can be tailored towards the specific needs of cruise and luxury travelers, with options for higher coverage limits for medical coverage and trip interruption benefits.  

Yes, up to 50% of prepaid, nonrefundable trip costs 

Allianz Travel Insurance 

Allianz Travel Insurance stands out for those who want cancel for any reason coverage, as the percentage reimbursed is higher than other travel insurance providers we reviewed. For traveling families, the company's OneTrip Prime plan also offers free coverage for children ages 17 and younger with a parent's coverage.  

Yes, up to 80% of prepaid, nonrefundable trip costs through the optional Cancel Anytime upgrade 

Does travel insurance cover Covid?  

Travel insurance generally covers Covid-19 as it would any other illness. While fear of catching an illness isn't a cause for cancellation under most policies without a cancel for any reason (CFAR) add-on, being diagnosed with Covid-19 right before or during your trip could qualify you for cancellation, interruption or travel delay coverage.

As with any insurance coverage you're considering, read your travel insurance policy carefully to understand what it does and doesn't cover.  

What does travel insurance cover?  

Travel insurance can cover your trip expenses if you're unable to go due to an unforeseen, covered reason or face an illness or injury during your trip. It can also help in the event that you lose your bags or face delays in your itinerary. 

Bottom line  

If you find yourself coming down with Covid before or during a trip, travel insurance could help you recoup funds from a lost trip or cover medical bills while you're abroad. Look for a travel insurance plan with strong medical coverage and flexible cancellation options. 

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Why trust CNBC Select? 

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance   review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance   products .  To research the best travel insurance companies, we compiled over 100 data points on more than a dozen travel insurance companies. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See  our methodology  for more information on how we choose the best travel insurance.

Our methodology  

To determine the best Covid-19 travel insurance companies, CNBC Select analyzed dozens of travel insurance companies and compared them based on their Covid policies, and medical and evacuation coverage limits. 

While narrowing down the best travel insurance companies, we focused on Covid-19 coverage, availability of cancel for any reason coverage, and the limits of emergency medical coverage and emergency medical evacuation coverage. We also considered factors like whether 24-hour assistance was available, Better Business Bureau ratings, and financial strength ratings from AM Best .

Note that the premiums and policy structures advertised for travel insurance companies are subject to fluctuate in accordance with the company's policies.  

Catch up on CNBC Select's in-depth coverage of credit cards , banking and money , and follow us on TikTok , Facebook , Instagram and Twitter to stay up to date.  

• These are the best student loans for international students studying in the U.S. Elizabeth Gravier
• 5 cheapest payroll services of 2024 Jasmin Suknanan
• These Chase travel credit cards can unlock huge travel savings Jason Stauffer

• Best overall
• Best for trip cancellation
• Best for medical-only coverage
• Best for families
• Best for value
• Best for reputation
• Why you should trust us

Best Cheap Travel Insurance of 2024: Protecting Your Journey on a Budget

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

In an ever-evolving world, emergency medical and evacuation travel insurance coverage is essential, especially if you're traveling internationally. However, sports equipment coverage, pet protection, and cancel for any reason coverage are among the increasingly popular coverage options that are changing the way we travel. We've gathered the best cheap travel insurance plans to help you protect your trip while on a budget.

Best Cheap Travel Insurance Plans of 2024 Summary

• Best overall: HTH Worldwide Travel Insurance
• Best for trip cancellation:  Aegis General Travel Insurance
• Best for medical-only coverage:  GeoBlue Travel Insurance
• Best for families:  C&F Travel Insured
• Best value: Nationwide Travel Insurance
• Best for reputation: Trawick International Travel Insurance

Top Cheap Travel Insurance Company Comparison

The best travel insurance meets your needs at a price you're willing to pay. Sometimes, you're just not willing to pay that much. The following companies offer decent coverage for low prices. To determine which companies made this list, we compared quotes across the travel insurance industry for the same trip, making a note of which companies offered particularly good coverage in certain areas and which companies were well reviewed.

Here are the best affordable travel insurance companies picked by Business Insider editors in 2024.

Best Affordable Travel Insurance Overall

Hth worldwide travel insurance.

The HTH Worldwide Travel Insurance Economy plan offers the most comprehensive coverage across major categories of all the providers in this guide.

You'll have some peace of mind with up to $75,000 of financial protection for eligible medical emergencies, and up to $500,000 per person for medical evacuation costs. For more everyday expenses, you can also relax with baggage loss and delay, trip interruption, cancellation and delay coverage that will help you recoup many, if not all, of your costs.

However, this plan falls short on missed connection benefits and accidental death coverage, both of which are not available under most circumstances (missed connection coverage only applies to cruises, and will only cover up to $500 per person after a three-hour delay).

Read our HTH Worldwide Travel Insurance review .

Best Affordable Travel Insurance for Trip Cancellation

Aegis general travel insurance.

The Aegis Trip Cancellation Plan is exactly that: a cost-effective plan that offers protection in the event that your trip is canceled for a covered reason. The plan we priced out for our hypothetical trip cost just 1.16% of our total travel expenses — a very small amount of money to pay for the guarantee of our money back in the right circumstances.

The benefit is that this plan can supplement other coverage you already have, or give you a little bit of protection for a trip where you might not otherwise have opted for insurance altogether. On the downside, you won't get any protection for medical emergencies, trip interruption or delays or lost bags from this plan.

Read our Aegis Travel Insurance review .

Best Affordable Travel Insurance for Medical Coverage

Geoblue travel insurance.

GeoBlue is a travel insurance provider that specializes in travel medical insurance. Because it doesn't offer much trip protection or travel inconvenience coverage, it can charge cheaper premiums. A 30-year-old from California would pay as low as $20.55 for a policy that covers a two-week trip.  GeoBlue plans can cover medical expenses up to $1 million with several multi-trip annual plans available. It offers coinsurance plans for trips within the U.S. and 100% coverage for international trips. It also has a network of clinics in 180 countries, streamlining the claims process. It's worth noting that coverage for pre-existing conditions comes with additional costs. Read our GeoBlue travel insurance review .

Best Affordable Travel Insurance for Families

C&f travel insured.

There's a lot to like about C&F Travel Insured. For one, it is one of the only travel insurance companies that offers CFAR coverage for annual travel insurance plans . Additionally, C&F is widely praised for its customer service, offering quick reimbursements for claims. Claims that don't reimburse within 30 days begin to accrue interest at 9% APY.

When it comes to affordability, C&F remains on the lower end of travel insurance costs. Policies for younger solo travelers are generally around 4% of total trip costs, which isn't bad considering average costs for travel insurance is around 4-8% of total trip costs. However, C&F excels at insuring families as children are heavily discounted with the Edge plan and completely free with the Protector plan. 

Read our C&F Travel Insured review .

Best Affordable Travel Insurance for Value

Nationwide travel insurance.

Nationwide is a well-rounded alternative to HTH Worldwide Trip Protector Economy. This plan offers solid protection for both travel-related snafus as well as situations that might call for emergency medical and evacuation, making it a good choice for trips where you have cause to worry about potential interruptions or delays. However, it does not offer protection for missed connections or accidental death.

Read our Nationwide Travel Insurance review .

Best Affordable Travel Insurance for Reputation

Trawick international travel insurance.

The Trawick Safe Travels Explorer plan has been purchased by more than 36,000 travelers since 2020, and it has great reviews to boot. And no wonder: Trawick offers generous trip delay coverage of up to $2,000 per person, although hopefully you won't need to reach that reimbursement amount because the daily limit is $150.

You'll also be able to rely on a $200 reimbursement per person for lost baggage - one of the higher amounts amongst these affordable plans, although this amount pales in comparison to the baggage loss coverage offered through the best travel credit cards .

Read our Trawick Travel Insurance review .

Types of Affordable Travel Insurance

Comprehensive coverage.

This type of insurance offers extensive protection, covering everything from medical issues to trip cancellations. While it's more expensive up front, it can save you a lot in the long run.

Medical-Only Coverage

As the name suggests, this policy focuses solely on medical emergencies, dropping trip cancellation coverage and travel inconvenience coverage. It's a cost-effective option for travelers who are primarily concerned about health-related expenses.

Evacuation and Repatriation

In extreme cases where you need to be evacuated due to a medical emergency or a natural disaster, this coverage ensures that you can return home safely without incurring huge costs.

Benefits of Opting for Cheap Travel Insurance

Cost savings.

Cheap travel insurance can significantly reduce your travel expenses, ensuring that you're not overpaying for coverage you might not need.

Adequate Coverage for Less

Just because it's cheap doesn't mean it's lacking. Many affordable policies offer substantial coverage, giving you peace of mind without breaking the bank.

How to Pick The Best Cheap Travel Insurance Plan for You

No single travel insurance plan will meet the needs of every single traveler. By nature, we are diverse and evolving meaning travel insurance should be equally so. Travel insurance for a week-long trip to a big city shouldn't be the same as the coverage for a backpacking expedition in the mountains. A splurge to purchase comprehensive insurance coverage may also be worth it for international ventures or other large expenditures.

In most cases, the cost difference between a basic and comprehensive travel insurance plan isn't as significant as you might think. Regardless, it's generally a good idea to choose a trusted travel insurance provider known for exceptional customer service and coverage. (For this roundup, we looked at traveler reviews shared through the travel insurance aggregator SquareMouth .)

• Assessing Your Travel Needs: Consider the nature of your trip, the destination, and your own personal needs when choosing a policy. This ensures that you're not over-insured or underinsured.
• Comparing Different Policies: Don't settle for the first policy you find. Compare different options, looking at their coverage and prices, to find the best fit for your budget and needs.
• Reading the Fine Print: Always read the terms and conditions carefully to understand what's covered, what's not, and the process for making a claim.

Why You Should Trust Us: How We Reviewed Cheap Travel Insurance

To determine the best insurance plan for travelers on a budget, we evaluated dozens of products using a hypothetical trip to Australia for a single traveler, age 26, with a total cost of $2,500 for flight, hotel and other incidentals. We then compiled the plans that covered the essentials at the lowest costs.

Of note: All of these plans include COVID-related medical coverage and 24-hour assistance, and pay at least 100% of your trip cost for eligible trip cancellations. None include rental car coverage.

The four winning plans cost between $29 to $74 — significantly below the average cost of comprehensive travel insurance , which can range between 4-8% of total travel expenses, according to the US Travel Insurance Association. But these affordable plans also come with comparably low ceilings for various aspects of coverage such as emergency medical, trip cancellation, or delay — and do not include rental car or " cancel for any reason" (CFAR) protection . So if you think you might need these benefits, it may well be worth upgrading to a comprehensive travel insurance plan for a few more dollars, just for the peace of mind.

Convenience and Flexibility

Each of the plans in this list include 24-hour assistance worldwide from reputable insurance providers. And despite being on the lower end of insurance plans, each of these options includes refunds for up to 100% of your total trip cost for eligible reasons. Each of these plans also includes medical coverage for COVID-related issues that may arise during your travels, which may come in handy as the pandemic continues to evolve worldwide.

Sufficient Coverage in Essential Categories

The cheapest travel insurance plan will rarely cover every scenario that could go awry on your trip. However, each of these plans can at least help you get your money back in the event that your travel is canceled for an eligible reason, and most of them include travel medical insurance if you incur emergency medical bills while traveling. We also factor in what travelers are most concerned about now. 

You can read more about how Business Insider rates insurance here.

Best Cheap Travel Insurance FAQs

You can reduce the cost of travel insurance by opting for simpler coverage with lower coverage limits. You may also consider companies that offer medical-only travel insurance policies. You can also consider annual travel insurance , which will save you money in the long run if you take multiple trips over one year.

Yes, many affordable policies offer comprehensive coverage suitable for international travel. It's crucial to compare policies and understand your needs. You can find our guide on the best international travel insurance here.

Travel insurance is relatively cheap because it only covers you for a set period of time and the level of coverage you get may not be particularly high. Your premiums will rise with higher coverage limits and add-ons like cancel for any reason coverage . Travel insurance for older travelers can also be quite expensive.

If you just want trip cancellation protection, go with the Aegis Trip Cancellation Plan. For more robust coverage that won't break the bank, consider HTH Worldwide's TripProtector Economy, Trawick's Safe Travels Explorer, or Nationwide's Essentials plan. Families should consider a C&F Travel Insured policy.

Unfortunately, many travel insurance companies that cover pre-existing conditions reserve coverage for its more expensive plans. That said, you'll find some providers that cover pre-existing conditions with their value plan, such as C&F Travel Insured and Berkshire Hathaway .

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

• Main content

• Mexico Travel News
• Seaweed Updates
• Hidden Travel Gems

6 Best Travel Insurance For USA with Covid-19 Coverage

The U.S. finally reopened for international visitors after nearly two years of strict travel bans. Considering a trip there? Even though you might be vaccinated, which is now one of the key requirements to enter the U.S. for foreign nationals, you are still at risk of contracting and spreading the virus.

Additional expenses might come with COVID-19 hospitalization and treatment. And as we are committed to supporting the health and well-being of our fellow travelers, we have chosen the 5 best insurance plans to have your back even if you travel to the U.S. during the coronavirus crisis.

So read on. These are the 5 best COVID-19 insurance plans for traveling, working, living, or studying in the U.S.

Best Covid Travel Insurance For the U.S.

• SafetyWing Travel Insurance – Best Rated
• Explore North America® Plus
• CoverAmerica – Gold Insurance – The Best Benefits
• Staysure Travel Insurance – Best for U.K. Travelers
• Allianz Travel Insurance – Most Trusted
• Travel Insurance Select® – Best for couples and Families

1. SafetyWing Travel Insurance – BEST RATED

This travel medical insurance is the best option for travelers to U.S. It is also a great choice for both short and long-term tourists or remote workers.

• Safety Wing covers COVID-19 the same way as any other illness as long as it was not contracted before your coverage start date.
• It covers you in your home country as well, as long as your visit there is incidental.
• Since April 15, 2021, it covers quarantine outside your home country of $50/day for up to 10 days. Note that the quarantine can be covered only once a year and if mandated by a physician or governmental authority.
• SafetyWing Nomad Insurance is also pretty affordable . Depending on your age, the prices are as follows for a 4-week period: 10-39 years old: USD 76.72, 40-49 years old: USD 126.56. For other age groups, you can find the prices here.
• Testing for COVID-19 is covered only if deemed necessary by a physician. That is rather inconvenient, as most countries require testing before entry.
• It does not cover citizens from Iran, Syria, North Korea, or Cuba.

If you are new to SafetyWing, the COVID-19 coverage will be added automatically to your plan. On the other hand, if you are already part of SafetyWing, we recommend you reach out to their customer service team, and they will upgrade your plan. 

SafetyWing also offers Remote Health insurance which is suitable for long-term nomads. It is more pricey but covers pre-existing conditions, cancer treatment, and you can use it in your home country as well.

What else does this insurance cover?

On top of everything, SafetyWing covers more than 94 recreational activities, including surfing, biking, hiking, and snowboarding.

2. Explore North America® Plus — Coronavirus Travel Insurance

Explore North America Plus travel insurance is a comprehensive medical coverage administered by Seven Corners that offers extensive coverage for Covid19 and other diseases.

This insurance plan also covers Non-U.S. residents and Non-U.S. citizens who are traveling outside their home country to the United States, Mexico, Canada, or all Caribbean countries except Cuba.

Special COVID-19 coverage:

We have chosen Explore North America Plus because of its special benefits when it comes to coronavirus medical expenses. 

Most travel insurances that claim to cover COVID-19 medical treatments include a “convenient” fine print that says they won’t cover you if the country you are visiting has a government no-travel alert, which most countries have.

That does not happen with Explore North America® Plus. If you contract COVID-19 on your trip, you’re covered, as simple as that.

• The plan covers medically Usual, Reasonable and Customary (URC) treatment for COVID-19 up to $100,000 or whichever is less.
• Emergency Room Services – (URC) up to medical maximum – $100 copay
• Urgent Care Visit – (URC) up to medical maximum – $20 copay

Other benefits:

• It also covers some onset of pre-existing conditions
• Hospital Indemnity – Only applies to Canada, Mexico and the unrestricted Caribbean countries* – Up to $150 per day, 30-day limit
• Incidental trips on your home country – Up to $10,000
• Dental – Relief of pain – Up to $200
• Dental – Accident – Up to $5,000
• Evacuation and Repatriation – Up to $500,000 (separate from the medical maximum)
• It only covers trips of up to one year
• It does not cover people older than 74 
• *The plan does not cover trips to Cuba.

Interested? – Get your quote here !

3. CoverAmerica – Gold Insurance – The Best Benefits

CoverAmerica is perfect for travelers and tourists visiting the U.S. who are not citizens or residents of the country.

• CoverAmerica covers COVID-19 as any other medical condition. However, note that it has to be purchased for at least 30 days to be eligible for the benefit.
• Unlike other travel plans, it has comprehensive coverage for COVID-19 . That means you can get reimbursement for delays, quarantine days, or missed flight connections if you get infected with the coronavirus.
• The coverage limit is up to USD 1,000,000 (conditions may apply).

• NOT available for U.S. citizens and residents.
• Citizens from Iran, Syria, the Virgin Islands, Ghana, Nigeria, and Sierra Leone cannot contract this insurance. 
• This travel insurance covers emergency treatment of pre-existing conditions, acute dental treatment, and eye exams.

To learn more about CoverAmerica and its plans, click here .

4. Staysure Travel Insurance – BEST FOR U.K. TRAVELERS

Staysure Travel Insurance is the best choice for visitors traveling from the U.K., Spain, France, or Portugal.

• Staysure covers trip cancellations , emergency medical treatment, as well as repatriation expenses if you get affected by COVID-19 (conditions may apply).
• It also offers daily benefits if you have to self-isolate, additional accommodation, and transport, but only if mandated by a health official.
• If your close relative or a member of your household is hospitalized or dies of COVID-19, you can cancel or cut your trip short and claim reimbursement.
• Moreover, it is reasonably priced. To get a quote, visit the website here .
• ONLY for travelers traveling from the U.K., Spain, France, or Portugal.
• You won’t be covered if you have refused any dose of the COVID-19 vaccine.
• Does not cover COVID-19 testing, which is often needed to be able to travel.

What’s covered?

Note that Staysure doesn’t cover you if you travel during government or regional lockdown.

5. Allianz Travel Insurance – Most Trusted

Allianz Travel Insurance is suitable for all types of travelers traveling from Ireland. From digital nomads and remote workers to students and backpackers, they offer a variety of plans in three different levels – bronze, silver, and gold.

Pros: 

• This travel insurance covers general COVID-19 medical treatment, as well as additional accommodation , transport , or cancellation of your trip if you contract the virus.
• They offer several insurance plans, such as Single Trip Insurance, Backpacker Travel Insurance, or Annual Multi-Trip Travel Insurance.
• You can cancel or cut your trip short if your close relative or travel companion gets seriously ill from the disease.
• If the DFA (Department of Foreign Affairs) advises against all non-essential travel, you can make your claim only if you provide documentation that you travel for a specific reason, not leisure.
• It is ONLY for citizens and residents of the Republic of Ireland.
• Allianz Travel Insurance offers an extensive Winter Sports and Ski add-on.

Interested in this insurance travel plan? Get your quote .

6. Travel Insurance Select®

This plan is a great fit for American couples, families, and friends traveling together around the country or overseas. Tours, business trips, and those traveling with social groups can also be covered by Travel Insurance Select®

Benefits and non-insurance:

• Trip cancellation coverage – it refunded you up to 100% of the money you invested in your trip.
• Coverage for trip interruption – you can get up to 150% of your trip expenditures back (depending on the coverage you choose).
• Travel Delay – If your trip is delayed for 12 hours or more due to covered circumstances such as carrier-caused delays, lost passports, strikes, or bad weather, you may be eligible for reimbursement for certain extra charges, up to the maximum for the option you chose.
• Missed Connection – Depending on your plan, you may be eligible for reimbursement of up to $1,500.
• Covid Quarantine Benefit: “Travel Insurance Select Elite plan offers coverage for accommodations due to a covered Trip Delay $2,000/$250 per person per day (12 hours) is included in the basic coverage.”
• Emergency support services are available 24/7, so you may get aid whenever you need it.

Example – Quote for a couple in their late 30’s traveling for two weeks from California to Washington :

Medical Expense

All plans include emergency medical evacuation, medical repatriation and return of remains.

It can pay reasonable expenses for an emergency medical evacuation ordered by a physician for a covered injury or sickness to the next acceptable medical facility or home, if medically necessary, up to the limit for your preferred option.

Waiver of Pre-Existing Medical Conditions available for the Plus and Elite plans.

Special COVID-19 coverage

COVID-19 is treated as any other illness.  Trip Cancellation benefits may be available if you are treated by a legally certified physician.

A person who gets ill while traveling in an affected nation may be eligible for Emergency Medical Expense or Emergency Medical Evacuation benefits.

A person who is required to enter quarantine in their destination due to a positive Covid-19 test can be eligible for Trip Interruption, Travel Delay, or Cancel For Any Reason (CFAR) – this option must be purchased as an upgrade within 21 days of your initial trip deposit/payment.

The basic plan does not cover Cancel for Any Reason.

So, what do you think? Have you chosen your favorite? We hope our comparison has helped you at least a bit, and you will have peace of mind even while traveling during unpredictable times such as the pandemic. Enjoy, stay safe, and see you in the U.S.!

Disclaimer: Most travel insurance companies are still adapting to the “new normal” way to travel the world. We strongly advise you to check with your insurance company before committing to any insurance plan. 

• Best Extended Auto Warranty
• Best Used Car Warranty
• Best Car Warranty Companies
• CarShield Reviews
• Best Auto Loan Rates
• Average Auto Loan Interest Rates
• Best Auto Refinance Rates
• Bad Credit Auto Loans
• Best Auto Shipping Companies
• How To Ship a Car
• Car Shipping Cost Calculator
• Montway Auto Transport Review
• Best Car Buying Apps
• Best Sites To Sell a Car
• CarMax Review
• Carvana Review (July 2024)
• Best LLC Service
• Best Registered Agent Service
• Best Trademark Service
• Best Online Legal Services
• Best Accounting Software
• Best Receipt Scanner Apps
• Best Free Accounting Software
• Best Online Bookkeeping Services
• Best Mileage Tracker Apps
• Best Business Expense Tracker Apps
• Best CRMs for Small Business
• Best CRM Software
• Best CRM for Real Estate
• Best Marketing CRM
• Best CRM for Sales
• Best SEO Services
• Best Mass Texting Services
• Best Email Marketing Software
• Best SEO Software
• Best Free Time Tracking Apps
• Best HR Software
• Best Payroll Services
• Best HR Outsourcing Services
• Best HRIS Software
• Best Project Management Software
• Best Construction Project Management Software
• Best Task Management Software
• Free Project Management Software
• Best Personal Loans
• Best Fast Personal Loans
• Best Debt Consolidation Loans
• Best Personal Loans for Fair Credit
• HOME EQUITY
• Best Home Equity Loan Rates
• Best Home Equity Loans
• Best Checking Accounts
• Best Online Checking Accounts
• Best Online Banks
• Bank Account Bonuses
• Best High-Yield Savings Accounts
• Best Savings Accounts
• Average Savings Account Interest Rate
• Money Market Accounts
• Best CD Rates
• Best 3-Month CD Rates
• Best 6-Month CD Rates
• Best 1-Year CD Rates
• Best 5-Year CD Rates
• Best Hearing Aids
• Best OTC Hearing Aids
• Most Affordable Hearing Aids
• Eargo Hearing Aids Review
• Best Medical Alert Systems
• Best Medical Alert Watches
• Best Medical Alert Necklaces
• Are Medical Alert Systems Covered by Insurance?
• Best Online Therapy
• Best Online Therapy Platforms That Take Insurance
• Best Online Psychiatrist Platforms
• BetterHelp Review
• Best Mattress
• Best Mattress for Side Sleepers
• Best Mattress for Back Pain
• Best Adjustable Beds
• Best Home Warranty Companies
• Best Home Appliance Insurance
• American Home Shield Review
• Liberty Home Guard Review
• Best Moving Companies
• Best Interstate Moving Companies
• Best Long-Distance Moving Companies
• Cheap Moving Companies
• Best Window Brands
• Best Window Replacement Companies
• Cheap Window Replacement
• Best Gutter Guards
• Gutter Installation Costs
• Best Solar Companies
• Best Solar Panels
• How Much Do Solar Panels Cost?
• Solar Calculator
• Best Car Insurance Companies
• Cheapest Car Insurance Companies
• Best Car Insurance for New Drivers
• Cheap Same Day Car Insurance
• Best Pet Insurance
• Cheapest Pet Insurance
• Pet Insurance Cost
• Pet Insurance in Texas
• Pet Wellness Plans
• Best Life Insurance
• Best Term Life Insurance
• Best Whole Life Insurance
• Term vs. Whole Life Insurance
• Best Travel Insurance Companies
• Best Homeowners Insurance Companies
• Best Renters Insurance Companies
• Best Motorcycle Insurance
• Cheapest Homeowners Insurance
• Cheapest Renters Insurance

Partner content:  This content was created by a business partner of Dow Jones, independent of the MarketWatch newsroom. Links in this article may result in us earning a commission.  Learn More

Best COVID-19 Travel Insurance Companies (2024)

COVID-19 is often included in travel insurance coverage

from our partner, travelinsurance.com

Sarah Horvath is a finance writer and researcher based in New York City. She specializes in writing about home warranties, insurance and home financial protection.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

According to our research, the best travel insurance companies offering COVID-19 coverage are Faye and Travelex. While some travel insurance policies now classify COVID-19 as a standard inclusion under medical expense and evacuation coverage, others include varying terms.

As the world continues to navigate the COVID-19 pandemic, hotels, airlines and other hospitality-related businesses have seen a surge in travelers . However, the concern of a new variant is consistent —  experts have identified new strains of COVID-19 as recently as Dec. 2023, which could cause some travelers to consider purchasing travel insurance.

Compare Top Travel Insurance Companies with COVID-19 Coverage

Use the table below to compare COVID-19 coverage inclusions and details of travel insurance companies:

9 Best COVID-19 Travel Insurance Companies

• Faye: Our top pick
• Seven Corners: Our pick for international travelers
• Tin Leg: Our pick for customizable coverage
• Allianz Travel Insurance: Our pick for concierge services
• TravelSafe: Our pick for equipment coverage
• Generali: Our pick for emergency assistance
• John Hancock Travel Insurance: Our pick for delay coverage
• Trawick: Our pick for well-rounded coverage
• HTH Travel Insurance: Our pick for group travel

We pulled price quotes for four vacations outlined in our methodology at the bottom of this page. The costs in this article reflect the premium for each of those four trips for each provider averaged together.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Why We Picked It

Faye is our top choice for COVID-19 travel insurance because it includes a robust set of protection to support policyholders both before and after diagnosis. The company classifies COVID-19 as a standard illness under its medical insurance policies, which means you can use any medical and evacuation coverages deemed necessary by local health professionals.

Since Faye classifies its travel medical insurance as primary coverage, it goes into effect before your domestic health coverage. This is especially beneficial for COVID-19, which could lead to hospitalization in some cases and include higher diagnosis, evacuation and treatment costs.

Pros and Cons

Coverage and cost.

Add-On Options

Faye currently offers the following add-ons for international excursions:

• Cancel for any reason (CFAR) coverage
• Adventure and extreme sports protections
• Rental car coverage
• Vacation rental damage protection
• Pet care protection

Based on quotes we obtained using the seven trip profiles outlined in our methodology, Faye’s average trip cost is $298.

Another top option for COVID-related travel concerns, Seven Corners offers a wide range of medical policies, all of which include coverage for coronavirus as a standard illness. Seven Corners policies indicate that both trip interruption and cancellation coverage extends to COVID-19-related reasons, including quarantines. Missed connection coverage may even extend to your travel plans if COVID causes you to miss a portion of your trip, specifically while on a cruise . Overall, Seven Corners offers COVID-friendly policies and includes generous cancellation and interruption benefits to give you peace of mind while traveling.

Below are add-on options you may be able to include in your Seven Corners policy:

• Cancel for any reason coverage
• Trip interruption for any reason coverage
• Rental car damage coverage
• Sports and gold equipment coverage

Based on quotes we obtained using the seven trip profiles outlined in our methodology, Seven Corners’s average trip cost is $206.25.

Tin Leg’s Silver and Gold policies include COVID-19 hospitalization and diagnosis as a standard inclusion under trip cancellation and interruption benefits. Like competitors, Tin Leg’s policies include stipulations that allow you to use travel delay benefits for ordered quarantine periods, offering between $500 and $2,000 depending on your chosen coverage level. However, you will need to receive a documented diagnosis from a licensed medical professional to use your trip benefits — a home rapid test is not sufficient proof.

Below are add-on options for Tin Leg travel insurance:

• Rental car damage

Based on quotes we obtained using the seven trip profiles outlined in our methodology, Tin Leg’s average trip cost is $166.50.

Both of TravelSafe’s insurance policies for international travel include comprehensive coverages and protections for COVID-19 , with identical medical coverage and evacuation limits no matter the condition. Trip delay benefits — available up to $2,000 on the TravelSafe Classic policy — include coverage for mandatory quarantines if required by a licensed medical professional. Policyholders can also apply mandatory quarantine benefits to missed connections coverage, which adds another layer of protection if you have multi-leg trips planned.

Below are add-on options you may include to your TravelSafe policy:

• Accidental death and dismemberment (air only)
• Extended personal property coverage

Based on quotes we obtained using the seven trip profiles outlined in our methodology, TravelSafe’s average trip cost is $241.

Allianz Global Assistance

Allianz Global Assistance offers a policy endorsement to cover concerns related to COVID-19. Referred to as the “ Epidemic Coverage Endorsement ,” this benefit extends medical expense, emergency evacuation and trip delay coverage to include COVID-related situations. Like most other competitors, you will need a documented diagnosis of COVID-19 and a written order from a local government figure or medical authority requiring you to quarantine before you can use benefits.

When we requested a quote, all three available policies included the Epidemic Coverage Endorsement free-of-charge with standard pricing. However, it’s important to note that coverage for COVID-19 is not specifically written into the terms of Allianz’s policies in the same way as other illnesses, which is the standard verbiage in the industry. Be sure your policy includes this endorsement to maintain COVID-related coverage.

Below are add-ons to consider for your Allianz Travel Insurance policy:

• Rental car protection
• Required to work coverage

Based on quotes we obtained using the seven trip profiles outlined in our methodology, Allianz’s average trip cost is $265

In addition to including COVID as a standard coverage under medical, cancellation and interruption benefits, Generali Global Assistance includes the added peace of mind that comes with around-the-clock assistance. All policies include 24/7 emergency travel assistance with a multi-lingual support team, which can help policyholders communicate with medical staff. This is especially useful if you’re visiting an area where you do not speak the primary language.

However, as of Jan. 2020, newly issued policies include an exclusion that prevents you from using trip delay benefits to cover a quarantine period unless officially diagnosed with COVID-19. This exclusion does not apply if you are sick and quarantined with the virus, in which you can access your benefits to cover the cost of related expenses. This exclusion remains in effect even if a local government mandates your quarantine due to exposure — so we recommend researching the quarantine procedures for the country you’re visiting beforehand if you choose Generali.

Below are coverages you may be able to add to your Generali policy:

Based on quotes we obtained using the seven trip profiles outlined in our methodology, Generali’s average trip cost is $255. 

Under most travel insurance verbiage, COVID-19 is now considered a known threat, and the announcement of a new variant is considered a risk you accept when booking. This means that travel insurance may not allow reimbursement for trip cancellation due to concerns about the emergence of a new variant.

Cancel for any reason (CFAR) coverage extends your cancellation benefits to include fear of traveling due to COVID-19 or a new variant. In addition to classifying COVID-19 as a standard medical condition, John Hancock allows you to add CFAR coverage to a wider selection of policy choices, including its lower-cost Bronze package. Comparatively, most travel insurance providers limit your ability to add CFAR coverage to the most expensive plan.

Add-on options for John Hancock travel insurance:

• Rental car collision coverage

Based on quotes we obtained using the seven trip profiles outlined in our methodology, John Hancock’s average trip cost is $225.

Trawick International offers one policy with coverage for COVID-19: Safe Travels International . This plan includes up to $1 million in medical coverage, up to $2,000 in trip delay benefits for potential quarantines and up to $2 million in medical evacuation coverage. This general range of coverage combined with CFAR add-on availability can make Trawick a customizable choice for travelers looking to add protections that cover COVID-19 without reviewing multiple plans.

Below are Trawick International add-on options:

• 24-hour accidental death and dismemberment
• Additional accident and sickness medical coverage
• Interruption for any reason coverage
• Upgradable trip delay coverage

Based on quotes we obtained using the seven trip profiles outlined in our methodology, Trawick’s average trip cost is $212.

While HTH’s policy details do not outline special benefits specifically for COVID-19 , its plans include standard medical interruption language allowing the use of benefits if you’re hospitalized. HTH’s policies include generous medical coverage and evacuation limits of $500,000 and $1 million respectively. The company also offers higher-than-average trip interruption benefits with a maximum benefit of 200% in reimbursements.

Below are additional options that may be available through HTH Travel Insurance:

Based on quotes we obtained using the seven trip profiles outlined in our methodology, HTH’s average trip cost is $221.

HTH also offers discounted pricing for group travel insurance policies.

What To Look for in Pandemic Travel Insurance

Once you understand how travel insurance can benefit you in the event of a COVID-19 diagnosis or emergency, you can get into the details of each coverage option. We’ve compiled a few essential features to consider when shopping for travel insurance with a focus on COVID-19 coverage.

Medical Expense Coverage

If you’re traveling to an area where you think you might be at risk of catching COVID-19, consider choosing a travel insurance policy with higher medical coverage limits. Travel medical insurance can help cover the cost of medical treatments you receive outside the U.S. if you become sick or injured. Most travel insurance policy providers now classify COVID-19 as a standard illness, meaning you can qualify for reimbursement if hospitalized with coronavirus abroad. 

Trip Delay Coverage

If you contract COVID abroad, depending on the country’s requirements, you may have to undergo a mandatory quarantine period before you can leave or enter another country. In these circumstances, your trip delay benefits could help cover the cost of expenses like meals, additional hotel stays and any toiletries you might need. To qualify to use trip delay benefits, most policies state a licensed medical professional must order a quarantine for 24 hours a day, seven days a week, until expiration. 

Trip Interruption Coverage

If you’re leaving dependents or older loved ones at home and concerned about the effect COVID-19 could have on their care, consider a policy with higher trip interruption coverages. Trip interruption insurance compensates you for things like the cost of an early return flight home and unused trip expenses if you must leave your trip ahead of schedule due to a covered reason. Some travel insurance providers like Seven Corners and Travelex include the illness of a family member and hospitalization with COVID-19 as a valid reason to use interruption benefits. Other providers only consider the health status of the insured traveler.  

CFAR Coverage

CFAR coverage is an optional add-on that allows you to receive a partial trip reimbursement if you cancel your trip for a reason not covered by insurance. For all providers on our list, this includes fear of a new variant of COVID-19 emerging at home or your destination. If this is a concern for you, consider a provider like John Hancock, which offers more options for policyholders to buy CFAR-level benefits. 

Does Travel Insurance Cover COVID-19 Directly?

Most travel insurance policies now classify COVID-19 as a standard inclusion under medical expense and evacuation coverage. This means coronavirus is usually treated the same way as any other illness or injury you might sustain abroad or before your trip. While this offers protection for your travel plans if you’re hospitalized due to COVID-19, fear of new variants and minor illnesses will usually not qualify you for a reimbursement . 

Let’s take a look at sample situations when you might need to use COVID-19 coverage as a part of your travel insurance. First, say you fall sick before traveling and are diagnosed with a serious case of COVID-19. Your physician determines you require hospitalization a day before you’re supposed to travel. If you purchased travel insurance, you could file a claim to reimburse nonrefundable trip costs, such as airfare and lodging, because you’re medically unable to travel. 

Now, let’s imagine you have a trip planned to Germany. A few days before your travel, information on a new Covid variant becomes available and officials advise the public to avoid travel if possible. While you may be hesitant to travel due to the new strain, you would not be entitled to reimbursement with travel insurance unless specifically outlined in your policy. However, if you opted for CFAR coverage during enrollment, you could cancel your trip and get a refund for nonrefundable expenses regardless. 

Does Travel Insurance Cover Quarantine?

Your travel insurance policy might cover the COVID-19 quarantines if ordered by a medical professional, which includes expenses related to additional lodging. If you’re diagnosed with a new variant of the virus before your trip and forced to quarantine at home, you will usually qualify for trip cancellation benefits under your policy’s illness cancellation clause. However, travel insurance will not compensate you for additional domestic quarantine-related expenses like food and rent. 

If you’re advised to quarantine abroad after being diagnosed with COVID-19, you could also qualify for coverage under your insurance’s travel delay benefits. While travel delay benefits are designed to help cover hotel rooms and alternate airfare if you’re forced to miss a connection, you can also use coverage for mandatory quarantine orders. To qualify, you will usually need to provide documentation of both your illness and a quarantine recommendation from a local medical professional. 

If you’re concerned about the cost and possibility of an international quarantine, it’s important to look at the travel delay benefits included with your insurance coverage. Policies with higher total travel delay benefits will cover more quarantine-related expenses, which can make these policies more valuable. Be sure to note both overall and daily limits on trip delay benefits, which can also influence policy value.

How Much Does COVID-19 Travel Insurance Cost?

In our comprehensive review of travel insurance policies, we found the average cost of a plan with COVID-19 coverage is about $220 per trip. However, the price of your premium will vary depending on the level of benefits included with your policy. Browse the table below to compare how some of our top travel insurance providers compare in terms of average price and included benefits. 

Factors That Impact Cost

Factors that affect the cost of your travel insurance include your age, where you’re traveling to, the cost of your trip and the length of your trip. Adding various custom riders, like protection for a rental car or cancellation for any reason coverage, will also increase the cost.

Is Pandemic Travel Insurance Worth It?

While almost all COVID-19 restrictions are lifted in the U.S., the virus is still a global health threat. Even if travel insurance isn’t required for a trip, purchasing insurance that includes COVID-19 protections can help you avoid a financial burden if you contract the virus before or during the trip.

You might not need the pandemic travel coverage if you’re taking a low-cost trip and not crossing international borders. Your health insurance may cover medical costs within the country, and the money you lose from canceling an affordable trip could be too low to justify shopping for and buying coverage. It’s different if you pay a lot of money upfront for a long, expensive vacation.

Another option is looking at the travel protections that your credit card company provides. Some cards offer trip protection for emergencies that could include coverage if you call off a trip or end a trip early after contracting COVID-19. But travel costs usually have to be paid for with the card for them to qualify.

Frequently Asked Questions About Travel Insurance

What are the cheapest ways to get travel insurance for a pandemic.

The best way to find cheap travel insurance with pandemic coverage is by shopping around with different providers. Many offer free quotes online, and it takes minutes to check rates.

What are the advantages of purchasing pandemic travel insurance?

The advantage of pandemic travel insurance is that it reimburses prepaid travel costs if you cancel or cut short a trip because of getting COVID-19 before or during the trip. And if a family member contracts COVID-19 while you’re away, pandemic travel insurance may reimburse you for expenses related to returning home early to care for a loved one.

Can you cancel your flight if you have COVID?

Many travel insurance policies now include coverage for trip cancellations due to COVID-19. However, coverage is usually included under standard medical inclusions, which means you must be medically unable to travel at the time of your scheduled departure to claim a reimbursement. Review your specific travel insurance coverage to learn more about flight cancellation benefits.

What does travel insurance not cover?

Travel insurance usually does not cover cancellations due to fear of travel, government restrictions or pre-existing medical conditions. You generally cannot cancel your trip and claim any reimbursements unless it’s for a covered reason such as the illness or death of a family member or natural disasters. Carefully read your policy to understand the exclusions and limitations unique to your coverage.

Methodology: Our System for Rating the Best Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

More Travel Insurance Guides

• Best cruise insurance plans
• Best travel insurance companies
• Cheapest travel insurance
• Best group travel insurance companies
• Health insurance for visitors to USA
• Best senior travel insurance
• Best travel insurance for families
• Best student travel insurance plans
• Travel insurance for parents visiting USA
• Best travel medical insurance plans
• How much does travel insurance cost?

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

More Travel Insurance Resources

• Travel Insurance
• Car Insurance
• Corporate Employee Insurance
• Critical Illness Protect360
• Early Protect360 Plus
• Cyber Insurance
• Fire Insurance
• Home Protect360
• Home ProtectLite
• Hospital Income Insurance
• Maid Insurance
• Mobile Phone Insurance
• Accident Protect360
• Family Protect360
• Singapore Travel Pass
• Business Packages
• Casualty Insurance
• Corporate Travel360
• Engineering Insurance
• Property Insurance
• Agent Recruitment
• Intermediary Login
• Our Corporate Profile
• Ethics Policy
• News and Media Releases
• HLAH Background and Regional Subsidiaries
• Check Claim Status
• Claim Forms
• Guide To Claims Process
• REGIONAL SERVICES

SAFE TRAVELS START WITH SINGAPORE'S BEST COVID-19 TRAVEL INSURANCE

Protect Yourself with Singapore’s Best COVID-19 Travel Insurance

Important Notice

The Ministry of Foreign Affairs has put up travel advisories against non-essential travel to Israel and Palestinian Territories. Please click here if you intend to or have purchased a travel plan to these areas.

current promotion

Purchase your travel insurance policy with HL Assurance and you’ll have the chance to win a flight ticket of your choice to your dream destination. The more you purchase, the more points you earn and the more chances of winning! Terms apply.

How to participate.

Get your dream holiday!

Protect you and your family with our COVIDSafe Travel Protect360.

Stand a chance to WIN a flight ticket of your choice

Single Trip

Travel insurance promotion 45% discount, ncd th customer + 1 buddy + ncd-->.

Be protected from COVID-19 with the new travel insurance offer in Singapore – COVIDSafe0 Travel Protect360! Not only will you be covered for Overseas Medical Expenses and Trip Cancellation due to COVID-19 under our travel protection plan, but we are also now rewarding you with No Claim Discount. *Terms apply.

Please refer to below Single Trip Travel Insurance Promotion Terms and Conditions for more redemption details.

Annual Unlimited

Annual travel insurance promotion 50% discount, ncd.

Travelling more than twice in a year? Get our annual multi-trip insurance policy and additional travel perks at just $0.52 / day. This travel insurance annual promotion in Singapore could be better value than buying single trip insurance for each holiday! Take advantage of our best annual travel insurance promotion and discounts today!

Please refer to below Annual Multi Trip Travel Insurance Promotion Terms and Conditions for details.

COVIDSafe Travel Protect360.

Packed with all-inclusive enhanced benefits to give you peace of mind, COVIDSafe Travel Protect360 is the best travel insurance with COVID-19 coverage in Singapore. Choose from a variety of recommended plans that secure protection and peace of mind today: single trip, annual, long term, family, seniors and more. Buy your travel insurance online to ensure a hassle-free trip for you and your loved ones.

Enhanced Benefits with COVID-19 Cover

*NEW FEATURE* Making your vacation safe even during a pandemic

Get a peace of mind when you are travelling during the pandemic with our new COVID-19 benefits for Travel Protect360! Even if you require medical assistance or trip cancellation due to COVID-19, you can be assured that you are well covered!

Travel No Claims Discount

Get Rewarded for Safe Travels

We want to celebrate your safe travels with you! If you do not make any claims from your travel insurance, you get additional up to 10% off your next travel insurance purchase on top of our promotions.

Travel Inconvenience Protection

Be protected with comprehensive Travel Inconvenience cover

No traveller will wish for travel cancellations and travel interruptions and we are here to protect you from these inconveniences! No matter if it is the loss of baggage or insolvency of travel agencies, be assured that you are well protected!

Why You Should Choose Our COVID-19 Travel Insurance in Singapore?

Packed with all-inclusive enhanced benefits to give you peace of mind, COVIDSafe Travel Protect360 is the best travel insurance with COVID-19 coverage in Singapore. Choose from a variety of recommended plans that offer secure protection and peace of mind today: single trip, annual, long term, family, seniors and more. Buy your travel insurance online to ensure a hassle-free trip for you and your loved ones.

24/7 COVID-19 Travel Concierge

With regional alarm centres available 24/7, you can travel with peace of mind, knowing support is #OneClickAway. Connect with Global Teleconsultation via your communication method of choice. Click here to find out more.

Best COVID-19 Travel Insurance Coverage

Travelling during a pandemic can be stressful, not knowing if your insurance plans provide proper coverage. With our enhanced COVIDSafe Travel Protect360 Insurance, you can travel knowing that you are covered up to $200,000 in overseas medical expenses incurred due to COVID-19.

COVID-19 Quarantine Allowance

Be reimbursed with up to $1,500 even when you are quarantined overseas as part of our many COVID-19 travel insurance coverage benefits.

Enjoy No Claim Discount

If you do not make any claims from your travel insurance, you get up to 10% off your next travel insurance purchase with HL Assurance.

Greater Flexible Coverage

If you have to make changes to your trip due to the COVID-19 pandemic, COVIDSafe Travel Protect360 allows you to make adjustments to your policies. When your family is protected by COVIDSafe Travel Protect360 insurance, we are happy to make adjustments even when the trip needs to be cancelled because of one person in the family.

Stay Protected From Travel Inconvenience

Be it loss of baggage or insolvency of travel agencies, our comprehensive COVID-19 travel insurance cover ensures that you are well protected from travel cancellations, travel interruptions and other inconveniences! Buy your travel insurance online today.

Enhanced Benefits of our Travel Insurance

With our enhanced travel insurance, you can now be ready for all your adventures and travel with peace of mind. COVIDSafe Travel Protect360 insurance provides the comprehensive travel insurance coverage you need for your holiday.

COVID-19 Cover

Overseas Medical Expenses

Extensive Travel Inconvenience Benefits

What Our Customers Have To Say About Us

  preferred travel insurance in singapore.

Customer Review by Lee Meng Tong

Thank you so much for your efforts in processing and finalising my travel claims. My wife and I are very appreciative of the care and excellent service provided by you and your staff. Rest assured that HL Assurance would be our preferred insurance for all our travels.

  Hassle-Free Claims

Customer Review by Jack Wong

For my annual travel insurance, I always go with HLAS, their price is most reasonable with good enough coverage and the claim process is hassle-free. I always recommend my friends and colleagues to them.

  Prompt And Excellent Service

Customer Review by H L

What professionalism! Prompt and excellent service for travel insurance as well as car insurance. I had immediate attention and was certainly impressed! 😀👌🏻

 Seamlessly Easy And Convenient

Customer Review by Rasidah Maya

We get our travel insurance regularly from HL Assurance. Seamlessly easy and convenient online purchase. Thank you Jerry He for assisting me with the changes I needed and the advice given for my queries.

 Good Choice For Travel Insurance

Customer Review by Choon Xiang

I am really inspired with HLAS travel NCD. You get rewarded for Safe Travels which everyone wishes. No doubt is your good choice for travel insurance.

No Claim Travel Insurance Discount Programme Terms and Conditions

Promotion terms and conditions.

• The promotion is held from now until 30 September 2024, customers who purchase any Travel Insurance policy (COVIDSafe Travel Protect360 Single Trip or Travel Protect360 Annual Trip) will automatically be enrolled into COVIDSafe Travel Protect360 No Claim Discount programme.
• For COVIDSafe Travel Protect360 Single Trip Policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be eligible for a 5% discount promotion code.
• For subsequent travel purchases with the utilising the 5% discount promotion code, where the policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be eligible for an additional 10% discount promotion code.
• Thereafter for subsequent travel purchases utilising the 10% discount promotion code, where the policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be capped at 10% discount promotion code.
• For COVIDSafe Travel Protect360 Annual Plan Policyholder(s) who has completed the policy period of one (1) year and has no claims during the policy period and within stipulated timeframe of 30 days from the policy end date, will be eligible for a 10% discount promotion code refund upon the next Travel Protect360 Annual Plan renewal.
• Promotional codes provided for the Single Trip can only be utilised for the next Single Trip purchase and can only be used once.
• The promotional codes are not transferable.
• Should there be any claims incurred, the No-claims discount promotion code will no longer be applicable.
• Each policy is only eligible for one promotion code.

Note:  Swipe left or right to view the full table on your mobile screen.

• HL Assurance, at any time, at its sole discretion and without prior notice, can vary, modify, delete or add to these terms and conditions. Please refer to the policy wording for full details.
• In the event of any dispute, HL Assurance management’s decision is final.
• HL Assurance’s full disclaimers, terms, and conditions apply to individual products. © 2024 HL Assurance is a registered service mark of Hong Leong Group. HL Assurance Private Limited Co. Reg. No. 201229558W.
• “HL Assurance” means HL Assurance Private Limited.
• HL Assurance’s Travel Insurance is underwritten by HL Assurance Pte. Ltd. Co. Reg. No. 201229558W. This policy is protected under the Policy Owner’s Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic, and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact HL Assurance Pte. Ltd. or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg). This is not a contract of insurance. Accordingly, the information should be read and construed in the light of, and subject to, all terms and conditions contained in the Policy. Full details are stated in the Policy.

Terms and Conditions for COVIDSafe Travel Protect360 Insurance Promotion (Single Trip)

• The promotion is held from now until 31 July 2024.
• Eligible customers who successfully purchase any COVIDSafe Travel Protect360 Single Trip policies during the Promotion Period will be entitled to 45% discount.
• This promotion is only applicable for new purchases made via HL Assurance website at www.hlas.com.sg/personalinsurance/travelinsurance.
• New purchases refer to purchases via HL Assurance website (as per stated above), and are not applicable to any purchase from HL Assurance’s agency partner.
• This promotion is not valid with any ongoing travel discounts, schemes or privileges.
• HL Assurance’s full disclaimers, terms, and conditions apply to individual products. © 2021 HL Assurance is a registered service mark of Hong Leong Group. HL Assurance Private Limited Co. Reg. No. 201229558W.

Terms and Conditions for COVIDSafe Travel Protect360 Insurance Promotion (Annual Trip)

• The promotion is held from now until 30 September 2024.
• Eligible customers who successfully purchase any COVIDSafe Travel Protect360 Annual Trip policies during the Promotion Period will be entitled to a 50% discount, provided that the policy is not subsequently cancelled.
• New purchases refer to purchases via HL Assurance website (as per stated above), and is not applicable to any purchase from HL Assurance’s agency partner.

Terms and Conditions for COVIDSafe Travel Protect360 Get eSIM (Single/Annual Trip)

Please click the link for terms and conditions: COVIDSafe Travel Protect360 Get eSIM Terms and Conditions

Terms and Conditions for COVIDSafe Travel Protect360 Insurance Mid-Year Deal Promotion (Single Trip)

• The Mid-Year Deal Promotion is held from now until 29 May 2024.
• Eligible customers who successfully use the promo code ‘MIDYEAR5’ to purchase any COVIDSafe Travel Protect360 Single Trip policies during this Promotion Period will be entitled to an additional 5% off the base discount.
• This promotion is only applicable for new purchases made via HL Assurance website at www.hlas.com.sg/personal-insurance/travelinsurance .
• HL Assurance’s full disclaimers, terms, and conditions apply to individual products. © 2024 HL Assurance is a registered service mark of Hong Leong Group. HL Assurance Private Limited Co. Reg. No. 201229558W.
• HL Assurance’s Travel Insurance is underwritten by HL Assurance Pte. Ltd. Co. Reg. No. 201229558W. This policy is protected under the Policy Owner’s Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic, and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact HL Assurance Pte. Ltd. or visit the GIA or SDIC websites ( www.gia.org.sg or www.sdic.org.sg ). This is not a contract of insurance. Accordingly, the information should be read and construed in the light of, and subject to, all terms and conditions contained in the Policy. Full details are stated in the Policy.

What our Travel Insurance in Singapore Covers

Read the full terms and conditions

Policy Owners’ Protection Scheme

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact HL Assurance Pte. Ltd. or visit the GIA or SDIC websites (  www.gia.org.sg  or  www.sdic.org.sg ).

Frequently Asked Questions for COVIDSafe Travel Protect360 Insurance

Q: can i continue my medical treatment for injury or sickness sustained overseas when i return to singapore.

A: Yes. We pay for the medical expenses, up to the Sub-limit, reasonably incurred by you in Singapore within 30 days after your return from the trip.

Q: If I was injured or sick overseas but did not seek medical treatment, can I do so upon my return to Singapore?

A: Yes. The Company will indemnify you up to the Benefits Payable under the Policy for the treatment sought within three (3) days after your return from the Journey where initial treatment for Bodily Injury or Sickness was not sought overseas, up to a maximum of thirty (30) days from the date of first treatment in Singapore.

Q: What is the time frame for submitting a travel claim when I return to Singapore?

A: You will need to submit a claim within thirty (30) days upon returning to Singapore.

Q: What should I do if I lose my money or travel documents during my trip?

A: If your loss arises out of robbery, burglary or theft, you should report the loss to the local police within 24 hours after the loss / incident and obtain a written statement from the police to substantiate your travel insurance claim.

Q: What should I do if I need assistance while overseas?

A: One of the benefits of our travel insurance is the 24 hours Travel, Emergency Medical and Evacuation Assistance which provides for loss of travel documents and baggage, air ticket arrangements, emergency medical evacuation, referral services for interpreters / translators, legal, embassy, hospital admission and other medical facilities etc. These services are available 24/7 by calling our Hotline at (65) 6922 6009.

Q: I am currently under medication for some medical conditions. Can I claim for medical expenses related to these medical conditions during the trip?

A: No. Our Travel Insurance Policy excludes all pre-existing medical conditions prior to the trip.

Q: If I am pregnant, am I covered for any medical treatment incurred overseas?

A: No. Our travel insurance policy does not cover any pregnancy-related issues.

Q: Is dental treatment covered while I am overseas?

A: Yes, dental treatment is covered (as a result of Bodily Injury only).

Q: Will I be covered if I am going overseas to receive medical treatment?

A: No. The travel insurance plan does not cover you if you are travelling contrary to the advice of any Qualified Medical Practitioner or for the purpose of obtaining medical treatment.

Q: Are adventure activities and indoor / outdoor sports covered by COVIDSafe Travel Protect360 insurance?

A: No. Our travel insurance does not cover adventure activities. You can find the list of exclusions in our policy wordings .

Q: Is there a waiting period for COVIDSafe Travel Protect360 Insurance coverage to take effect?

A: A 3-day waiting period applies only to trip cancellation, postponement, and curtailment due to COVID-19 in Enhanced Travel Inconvenience (for COVID-19).

Q: How to buy travel insurance from HL Assurance?

A: Buying your travel insurance from HL Assurance is a straightforward process. You can purchase your desired policy online. Simply visit our travel insurance section, select the plan that suits your needs, and follow the steps for a hassle-free purchase experience.

Q: Can I extend my travel insurance coverage if my trip is extended?

A: Yes. This is subject to our underwriter’s approval. You can call or email us before the policy expires. If you’re wondering where to buy travel insurance for extended trips, you can easily do so through our website or contact our customer support at 6702 0202 for assistance.

Q: Can I buy travel insurance after departure?

A: Generally, travel insurance should be purchased before your trip commences.

Q: Can I cancel my travel insurance policy if my plans change?

A: You may cancel the Policy before the start of your trip with administrative charges applicable.

Q: Annual Trip Insurance vs Single Trip Insurance - Which is better?

A: Single Trip Travel Insurance provides coverage for the destination you’ve indicated. Meanwhile, an Annual Trip Travel Insurance gives better value should you have already planned to go on more than two trips in the year.

Q: Does COVIDSafe Travel Protect360 Insurance cover me if I travel to multiple countries?

A: Please indicate the countries you will be travelling to when you buy your travel insurance online. If you’re wondering where to buy travel insurance online, simply visit our website’s travel insurance section for a seamless online purchase experience.

Q: What are the Terms and Conditions for COVIDSafe Travel Protect360 Insurance?

A: You can find out more about our Terms and Conditions for COVIDSafe Travel Protect360 here .

Q: What does COVIDSafe Travel Protect360 Insurance cover?

A: We provide comprehensive travel insurance coverage of four (4) levels with diverse limits: Basic, Enhanced, Superior and Premier. Though the limits vary, the coverage is broad and has everything you’re looking for in a travel insurance plan.

All plans cover the following travel benefits:

• Overseas Medical Expenses (Child, Adult, Senior / Elderly)
• Medical Expenses in Singapore
• Personal Accident: Accidental Death & Permanent Disablement
• Travel Inconvenience
• Travel Postponement
• Travel Misconnections
• Insolvency of Travel Agency (Excluding Basic Plan)
• Trip Disruption
• Flight Inconvenience and Diversion
• Hijack of Common Carrier
• Kidnap & Hostage (Excluding Basic Plan)
• Personal Liability
• Loss of Home Contents
• Credit Card Protections (Excluding Basic Plan)
• Rental Car Excess
• Enhanced Medical Benefits due to COVID-19 (Excluding Basic Plan)
• Enhanced Travel Inconvenience, Cancellation, Postponement or Curtailment due to COVID-19 (Excluding Basic Plan)

Chat with us if you have any questions via WhatsApp and we will be happy to answer your queries!

For 24-Hour Emergency Travel Assistance Service, please contact 6922 6009 .

File a travel insurance claim, claims procedure and documentation.

Please submit your claim to us with the original Claim form and supporting documents within 30 days upon returning from your trip.

Common documents required for all Travel Insurance Claims:

• Copy of flight itinerary
• Proof of travel, i.e. original boarding pass, air tickets, copy of passport, etc.

Supporting documents needed when making a claim for:

• Medical Report and Medical Certificate
• Original Medical bills / receipts
• Death Certificate, autopsy report, coroner’s findings, if applicable (for death claim)
• Documentary proof of relationship between deceased and claimant (for death claim)
• Motor accident report / police report (for injury / death resulting from a traffic accident)
• Baggage loss or damage report / Property irregularity report from the carrier / airline
• Baggage tag(s) issued from the carrier / airline during check-in
• Written confirmation of carrier / airline’s settlement / rejection of claim for damage / loss of property
• Photographs of damaged items
• Original purchase receipts of damaged/lost items
• Copy of police report lodged at place of loss within 24 hours
• Receipts for replacement of passport / visa
• Transportation and / or hotel bills / receipts incurred for replacement of document
• Baggage delay report
• Written confirmation from carrier / airline on reason and duration of delay
• Acknowledgement receipt of baggage received
• Medical Report and other medical documents / Death Certificate
• Proof of relationship (if due to sickness, injury or death of related person)
• Written advice or medical certificate from a Registered Medical Practitioner to cancel / curtail trip
• Original tour booking invoice / receipt
• Travel agent and / or airline’s confirmation of the refund amount
• Original invoice / receipt for charges incurred in amending or purchasing additional air ticket (for trip curtailment)
• Written confirmation from carrier / airline on reason and duration of delay, overbooked flight, travel misconnection, and / or diversion
• Air ticket and Boarding pass
• Copy of police report lodged within 24 hours upon discovery
• Invoice of damaged items / quotations
• Original photographs of damaged items
• Do not admit any liability or make any offer, promise or payment without our prior consent
• Forward all correspondence / documents from third parties concerning the accident to us immediately
• Copy of police report lodged (if applicable)

We will contact you for any additional documents that may be required.

You may submit your claims online . Kindly note that it may take longer to process a claim if we require additional information or documents from you. For any claims enquiry, amendment of details or submission of supporting or original documents, please email our friendly claims officers at [email protected] with our acknowledgement reference number – MTC/YYYY/000000.

We will keep you updated on your claim(s) by email. You can also call our Hotline at 6922 6003 to check on your claim(s).

Thank you for insuring with us.

Discover more about Travel Insurance in Singapore

Travel Essentials: Must-See Cities and Insurance Insights for Japan

Japan is an archipelago stretching along the eastern coast of Asia, made up of four main islands: Honshu, Hokkaido, Kyushu, and Shikoku. This geographic diversity brings a range of climates and landscapes, from the snowy mountains of Hokkaido to the tropical beaches of Okinawa. Whether you’re a first-time traveller or a yearly visitor, Japan continually…

Travel to Bali: Essential Insurance Tips for a Tropical Escape

Bali, Indonesia’s famed island paradise, beckons travellers with its enchanting blend of lush landscapes, friendly people, and serene beaches. Known for its majestic temples, vibrant arts scene, and world-renowned surf spots, Bali offers a myriad of experiences for every type of holiday-goer. As you plan to bask in the island’s natural beauty and dive into…

Travel Smart in Taiwan: Key Insurance Insights and Tips for Your Journey

Taiwan is a land of stunning contrasts, delightful food and friendly people. The island boasts a landscape as diverse as its cultural heritage, from the soaring peaks of the Central Mountain Range to the serene beaches of Kenting. Prefer food to scenery? Taiwanese cuisine, a delightful blend of local flavours and foreign influences, offers foodies…

Allianz Travel Insurance »

Seven Corners »

GeoBlue »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Medical Insurance Plans.

Table of Contents

• Allianz Travel Insurance
• Seven Corners

Buying travel insurance is a smart move for any type of trip, but you may not need a policy that covers everything under the sun. If you don't need coverage for trip cancellations or delays because you're relying on your travel credit card to offer these protections, for example, you may find you only need emergency medical coverage that works away from home.

Still, travel medical coverage varies widely based on included benefits, policy limits and more. If you're comparing travel insurance plans and hoping to find the best option for unexpected medical expenses, read on to learn which policies we recommend.

Frequently Asked Questions

The term travel insurance usually describes a comprehensive travel insurance policy that includes coverage for medical expenses as well as trip cancellations and interruptions, trip delays, lost baggage, and more. Meanwhile, travel medical insurance is coverage that focuses on paying for emergency medical expenses and other related care.

Travelers need international health insurance if they're visiting a place where their own health coverage will not apply. This typically includes all international trips away from home since U.S. health plans limit coverage to care required in the United States.

Note that if you don't have travel health insurance and you become sick or injured abroad, you'll be responsible for paying back any health care costs you incur.

Many travel insurance policies cover emergency medical expenses you incur during a covered trip. However, the included benefits of each policy can vary widely, and so can the policy limits that apply.

If you're looking for a travel insurance policy that offers sufficient protection for unexpected medical expenses, you'll typically want to choose a plan with at least $100,000 in coverage for emergency medical care and at least that much in protection for emergency medical evacuation and transportation.

However, higher limits can provide even more protection from overseas medical bills, which can become pricey depending on the type of care you need. As just one example, Allianz says the average cost of emergency medical evacuation can easily reach up to $200,000 or more depending on where you’re traveling.

Your U.S. health insurance policy almost never covers medical expenses incurred abroad. The same is true for most people on Medicare and especially Medicaid. If you want to ensure you have travel medical coverage that applies overseas, you should purchase a travel insurance plan with adequate limits for every trip. Read the U.S. News article on this topic for more information.

The cost of travel medical insurance can vary depending on the age of the travelers, the type of coverage purchased, the length of the trip and other factors. You can use a comparison site like TravelInsurance.com to explore different travel medical insurance plans and their cost.

• Allianz Travel Insurance: Best Overall
• Seven Corners: Best for Families
• GeoBlue: Best for Expats
• WorldTrips: Best Cost

Coverage for preexisting conditions is available as an add-on

Easy to purchase as needed for individual trips

Relatively low limits for medical expenses

No coverage for trip cancellations or trip interruption

• Up to $50,000 in emergency medical coverage
• Up to $250,000 in emergency medical evacuation coverage
• Up to $2,000 in coverage for baggage loss and damage
• Up to $600 in baggage delay insurance
• Up to $1,000 for travel delays
• Up to $10,000 in travel accident insurance
• 24-hour hotline assistance
• Concierge services

SEE FULL REVIEW »

Purchase comprehensive medical coverage worth up to $5 million

Coverage for families with up to 10 people

Low coverage amounts for trip interruption

Medical coverage options vary by age

• Up to $5 million in comprehensive medical coverage
• Up to $500,000 in emergency evacuation coverage
• Up to $10,000 in coverage for incidental trips to home country
• Up to $25,000 in coverage for terrorist activity
• Up to $500 in accidental dental emergency coverage
• Up to $100 per occurrence in coverage for emergency eye exams
• $50,000 in coverage for local burial or cremation
• 24/7 travel assistance
• Up to $25,000 in coverage for accidental death and dismemberment per traveler
• Up to $500 for loss of checked baggage
• Up to $5,000 for trip interruptions
• Up to $100 per day for trip delays
• Up to $50,000 for personal liability

Qualify for international health insurance with no annual or lifetime caps

Use coverage within the U.S. with select providers

Deductible from $500 to $10,000 can apply

Doesn't come with any nonmedical travel insurance benefits

• Up to $250,000 in coverage for emergency medical evacuation
• Up to $25,000 for repatriation of mortal remains
• $50,000 in coverage for accidental death and dismemberment

High limits for medical insurance and emergency medical evacuation

Covers multiple trips over a period of up to 364 days

Deductible of $250 required for each covered trip

Copays required for medical care received in the U.S.

• Up to $1,000,000 of maximum coverage
• Up to $1,000,000 for emergency medical evacuation
• Up to $10,000 for trip interruptions
• Up to $1,000 for lost checked luggage
• Up to $100 per day for travel delays
• Up to $25,000 in personal liability coverage
• Medical coverage for eligible expenses related to COVID-19
• Ability to add coverage for your spouse and/or child(ren)
• Repatriation of remains coverage up to overall limit
• Up to $5,000 for local burial or cremation 
• $10,000 to $50,000 for common carrier accidental death

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

You might also be interested in:

9 Best Travel Insurance Companies of 2024

Holly Johnson

Find the best travel insurance for you with these U.S. News ratings, which factor in expert and consumer recommendations.

8 Cheapest Travel Insurance Companies Worth the Cost

U.S. News rates the cheapest travel insurance options, considering pricing data, expert recommendations and consumer reviews.

How to Get Airport Wheelchair Assistance (+ What to Tip)

Suzanne Mason and Rachael Hood

From planning to arrival, get helpful tips to make the journey easier.

Is Travel Insurance Worth It? Yes, in These 3 Scenarios

These are the scenarios when travel insurance makes most sense.

1. Best travel insurance with COVID-19 coverage

With the sheer number of travel insurance providers out there, it can be overwhelming to compare everything against everything else. We know that pain, because that’s exactly what we’ve just done.  Wipe away those tears of exasperation— we’ve done the legwork for you and picked out the top 6 travel insurance plans in Singapore:

Why are these the top 6? We’ve compared them based on affordability, COVID-19 cover inclusion, emergency medical coverage, and trip cancellation coverage. (If you’re an adventure seeker, that’s more niche—refer to this article for all the best travel insurance for extreme sports and outdoor adventure instead.)

Ready to dive into the deets? We compared the coverage and prices of most popular  travel insurance plans with COVID-19 coverage in Singapore. So if you’re looking for a specific type of coverage for your travel needs, e.g. high trip cancellation coverage, this is a better summary table for you to work with:

Note: All travel insurance options above are before promotional discounts are applied. Unless otherwise stated, all include COVID-19 coverage.

Back to top

2. Bubblegum Travel Insurance

Bubblegum travel insurance  is a great option if you’re looking for fuss-free, essential coverage at affordable rates. Bubblegum’s travel insurance model is simple, offering just 1 travel insurance plan. Here are its pricing and coverage benefits:

If fuss-free, essential travel insurance is your top priority, we think Bubblegum is a good option for you. Their travel insurance is all-inclusive with coverage for travel inconveniences like cancellations and delays, and also gives you coverage for COVID-19 related expenses at no additional cost.

If you’re a thrill-seeker looking at adventurous activities, Bubblegum Travel Insurance will also cover you for hot air ballooning, scuba diving and skiing, with no restriction on height or depth.

Bubblegum travel insurance promotion

Total Premium

10% Off Total Premium S$52.05

MoneySmart Exclusive

Most fuss-free plan

Med. Coverage (Overseas)

Trip Cancellation

Loss/Damage of Personal Baggage

Total Premium Total Premium S$52.05 10% Off

MoneySmart Exclusive:

[Receive your cash as fast as 30 days*]    • Enjoy 10% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$25  via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.

Valid until 31 May 2024

Apply Now Apply directly on MoneySmart

More Details

Key Features

Bubblegum offers just 1 affordable plan to suit all your travel needs to maximise your savings

Overseas medical expenses up to $150,000 SGD (Covid-19 sub-limit of $65,000 included)

24-Hour global Emergency Assistance services including Emergency Medical Evacuation and Repatriation

Covid-19 trip related cancellation/curtailment up to $600 SGD included

Adventurous activities like scuba diving and hot air ballooning are covered with no limit on depth or height.

See all plan details 

Bubblegum is currently offering a 10% discount on all their travel insurance plans. That means you can cover a 7-day trip to ASEAN with just $38—about $5+ a day !

Truth is, the discount is even greater when you consider the fact that Bubblegum will also give you an eSIM and iShopChangi vouchers when you purchase Bubblegum travel insurance:

Eskimo Global 1GB eSIM with every policy purchased.

Up to S$25 via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent.

Promotion valid till 31 May 2024.

3. FWD Travel Insurance 

FWD travel insurance offers some of the cheapest travel insurance plans in Singapore, so this is a budget-friendly option which still offers you great value for every dollar. I like that coverage for emergency medical evacuation is unlimited for all tiers, and overseas medical expenses go up to a generous $1,000,000.

Here’s a quick run-through of the price and benefits offered by FWD travel insurance plans:

When you’re purchasing FWD travel insurance, the COVID-19 benefits are an add-on. The price of the COVID-19 add-on costs between $11 to $22  depending on the part of the world you’re travelling to. If you choose to add it on, it’ll give you comprehensive coverage of the following:

Trip disruption

Trip cancellation

Overseas hospital cash

Hospital cash while in Singapore

Medical expenses

Emergency medical evacuation and repatriation

The plan reimburses your travel-related expenses if you are diagnosed with COVID-19 no more than 30 days before your scheduled departure date, or if you have to change your itinerary because of a COVID-19 diagnosis while overseas. You also get to claim medical expenses and a hospital cash benefit if you get hospitalised overseas or for up to 14 days in Singapore upon your return.

On top of that, there’s also an automatic policy extension of up to 21 days should you be prevented from travel as per foreign government regulations due to:

You contracting COVID-19; or

You or your travel companion needing to be self-isolated due to being in close contact with someone diagnosed with COVID-19

Read the full T&Cs of FWD’s COVID-19 coverage .

FWD travel insurance promotion

25% Off Total Premium S$63.07

ROLEX GRAND DRAW | Trip Cancellation Add-on

Loss/Damage of Baggage

Total Premium Total Premium S$63.07 25% Off

[ Win a Rolex, Samsonite Luggage & More!   | MoneySmart Exclusive]        • Enjoy 25% off your policy premium • Get S$20 iShopChangi e-voucher   and Eskimo Global 1GB eSIM with every policy purchased. T&Cs apply.        BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly        Increase your chances of winning when you refer friends  today. T&Cs apply

Enjoy cashless medical outpatient treatment in Singapore, access to emergency assistance and your travel policy documents through the FWD SG app!

Add on coverage for COVID-19 available for both Single & Annual Trips for travel period of 90 days or less.

Optional add on coverage available when your trip is cancelled for any reason for Single Trips. (To be purchased within 7 days of your initial trip deposit for your trip).

Optional add on coverage available for pre-existing Medical Conditions for Single Trips plans (up to 30 days) with S$150,000 coverage for medical expenses incurred overseas and 50% co-payment for trip cancellation, postponement and more!

Plan Highlights

Covid-19 protection, leisure activities.

Currently, you can take 25% off the prices for all FWD travel insurance tiers. That brings the rate for a 7-day ASEAN trip down to $25 to $43, or just $3+ to $6 a day !

Plus, receive  S$20 iShopChangi e-voucher and an Eskimo Global 1GB eSIM with every policy purchased.

We haven’t gotten to the really good part yet. Purchase FWD Premium , FWD Business , or FWD First travel insurance and stand a chance to win over $11,000 worth of prizes in our Grand Draw ! Prizes include:

1x Rolex Oyster Perpetual – 124200 34mm Silver (worth S$9,000)

1x Samsonite Robez 68/25 EXP (worth S$550) weekly

Increase your chances of winning by referring your friends.

Valid till 31 May 2024.

4. Starr Travel Insurance

Starr’s travel insurance   Starr TraveLead Comprehensive is a leader in terms of how customisable their insurance is. When signing up, medical coverage (including COVID-19 coverage) is automatically included in all plans, but you can choose whether or not you want to add trip coverage (e.g. document loss, travel delay) and baggage coverage (e.g. baggage delay). Then, you can also easily add riders for Golf Protection, Cruise Vacation, Scuba Diving, and Snow Sports.

Starr TraveLead Comprehensive comes in 3 tiers: Gold , Silver and Bronze . While all are pretty comprehensive (as the name suggests), we advise you go for at least Silver . This affords you $500,000 overseas medical coverage, as well as $30,000 medical coverage for COVID-19 and $250 coverage for COVID-19 related trip curtailments and cancellations. You won’t get the COVID-19 trip curtailment/cancellation coverage in the Bronze plan, which only offers $15,000 for COVID-19 medical coverage. Better be safe and  go for Silver or Gold.

Here are the prices and coverage amounts for each tier. Prices are given with trip coverage included in the plan.

Note: Starr also has a travel insurance called Starr TraveLead Essential, which also comes in Bronze , Silver and Gold tiers. They look very attractive because of their low prices—for example, Starr TraveLead Essential Bronze costs just $20 for a 7-day trip to an ASEAN destination.

However, unless you’re on a really tight budget, I wouldn’t recommend these plans because of their more limited coverage. For example, while the Starr TraveLead Essential Bronze plan does cover you for $200,000 worth of overseas medical expenses (which is already the bare minimum), it doesn’t cover you at all for trip cancellation and loss/damage of baggage. Neither do the Silver or Gold tier plans.

Starr Travel Insurance promotion

50% Off Total Premium S$73.32

ROLEX GRAND DRAW | Best Value Plan

Starr TraveLead Comprehensive Silver

Med. Coverage (Overseas) Follow-up Medical Treatment Follow-up Medical Treatment is applicable when the first treatment was sought outside Singapore by a doctor as defined under the policy

Total Premium Total Premium S$73.32 50% Off

[ Win a Rolex, Samsonite Luggage & More!   | FLASH DEAL]   • Enjoy 50% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$50 via PayNow OR 1 x Apple AirTag (worth S$45.40) and up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.    BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly    Increase your chances of winning when you refer friends  today. T&Cs apply

For Cruise to nowhere insurance: Find out more here

Flexible coverage allows you to create a travel insurance plan with different types of coverage and add-ons that can adapt to your needs

Overseas Covid-19 related medical expenses of up to $30,000 SGD included (Excluding China).

Covid 19 Trip related cancellation/curtailment up to $250 SGD included (Excluding China).

Covers Travel Expenses for return of Child(ren) during the hospitalisation of the insured person.

No sublimit or restriction on outpatient expenses and number of visits

24 hours Global Emergency Assistance Services help you when you need it most, connecting you with medical treatment and transportation

Seamless and Cashless claims via PayNow

Please note that travelling to Russia and Ukraine is not covered in Starr’s insurance with immediate effect.

With the ongoing 50% discount promotion on Starr travel insurance, prices are very affordable. Coverage for a week-long ASEAN trip is just $27 (under $4 a day), while a trip of the same duration to countries like USA costs $33 (under $5 a day).

Plus, you’ll receive attractive gifts when you buy Starr travel insurance on MoneySmart:

Get  an Eskimo Global 1GB eSIM  with every policy purchased.

Additionally, receive  up to S$50  via PayNow  OR   1 x Apple AirTag  (worth S$45.40) and  up to S$20 iShopChangi e-voucher  with eligible premiums spent.

The best part? Purchase Starr TraveLead travel insurance of any tier and stand a chance to win over $11,000 worth of prizes in our Grand Draw ! Prizes include:

5. MSIG Travel Insurance

MSIG travel insurance is categorised into 3 plans— Standard , Elite , and Premier . The cheapest, basic plan still offers pretty adequate coverage in medical emergencies and trip cancellations or delays.

Here’s a quick run-down of the plan’s key benefits:

One more unusual area of coverage that MSIG includes is emergency dental expenses. You get $5,000 to $15,000 in coverage, depending on the travel insurance tier you select.

MSIG’s Areas A and B refer, roughly speaking, to ASEAN and Asia respectively. Here’s a more comprehensive list of the countries in each category:

Area A : Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam

Area B : Australia, China (excluding Inner Mongolia and Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan and including countries in Area A

Area C : Worldwide

MSIG Travel Insurance’s COVID-19 coverage is an automatic inclusion to its travel insurance plans and offers the following coverage:

Trip cancellation, postponement, shortening, disruption

Replacement of traveller

Overseas medical expenses

Emergency medical evacuation

Overseas quarantine daily cash allowance

This is quite a decent list of benefits, but do note that daily hospital cash allowance is missing from the list.

MSIG travel insurance promotion

55% Off Total Premium S$68

ROLEX GRAND DRAW | Most Comprehensive

MSIG TravelEasy Standard

Total Premium Total Premium S$68 55% Off

[ Win a Rolex, Samsonite Luggage & More!   | MoneySmart Exclusive]      • For a limited time only, enjoy up to 55% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) and  up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.      BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly      Increase your chances of winning when you refer friends  today. T&Cs apply

COVID-19 coverage of up to $150,000 medical cover and up to $1,500 travel inconvenience benefit for your trip protection.

Packaged tour coverage for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies).

Get covered across all TravelEasy Plan types with a high limit of S$1,000,000 for emergency medical evacuation & repatriation

MSIG provides cover for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies)

Currently, you can take 40% off all MSIG travel insurance plans with their ongoing promotion. That means your 7-day ASEAN trip now costs just $37 to $70 to cover compared to $62 to $116.

On top of the 40% discount, you’ll receive these goodies with your MSIG travel insurance purchase:

Get an Eskimo Global 1GB eSIM with every policy purchased.

Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) and up to S$20 iShopChangi e-voucher with eligible premiums spent.

You’ll also stand a chance to win big in our Grand Draw , which has over $11,000 worth  of prizes up for grabs. These include:

6. Singlife Travel Insurance

Singlife travel insurance comes in 3 tiers— Lite , Plus , and Prestige . The price you pay and the coverage you’ll get increase with each plan.

Here are Singlife travel insurance’s key prices and benefits:

On top of the coverage above, Singlife also covers you for chiropractor and/or Chinese physician treatment : $250 ($50 per visit) for Lite, $500 ($75 per visit) for Plus, and $1000 ($100 per visit) for Prestige.

As far as COVID-19 coverage goes, here’s a quick run-down:

Emergency medical evacuation, repatriation

Overseas quarantine allowance

Trip cancellation, postponement, interruption

While Singlife travel insurance’s coverage for non-COVID medical expenses, travel delay and trip cancellation is comprehensive, we have to dock some points for the lack of overseas hospital cash allowance and pretty low COVID-19 trip cancellation coverage.

Also, do note that the lowest tier, Lite, doesn’t come with certain coverage, such as trip cancellation or postponement for any reason and COVID-19 overseas quarantine allowance.

Singlife travel insurance promotion

25% Off Total Premium S$66.68

Free Trip Cancellation

Singlife Travel Plus

Total Premium Total Premium S$66.68 25% Off

[Receive your cash as fast as 30 days*]     • Enjoy 25% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$30  via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.

Covers trip cancellation and trip curtailment for any reason, T&Cs apply.

Covers trip interruptions or cancellations due to COVID-19 and cover your medical treatment should you contract COVID-19 whilst overseas and in Singapore.

Coverage for loss of frequent flyers points, hotel points & credit card points.

Payout of S$100** should your trip be affected by excessive rainfall.

**For single trips (minimum 3 days) where more than 50% of trip duration is affected by rainfall levels of >6.4mm in a 24-hour period.

Seamless claims experience with PayNow

It’s a win-win situation—get 25% off your Singlife travel insurance premiums with these goodies thrown in:

Additionally, receive  up to S$30  via PayNow and  up to S$20 iShopChangi e-voucher  with eligible premiums spent.

7. Etiqa Travel Insurance

Do you hate making travel insurance claims? I do. That’s why when a friend of mine told me that you don’t need to make any claim on Etiqa to receive compensation for your flight delay, I was very intrigued.

I’ve been fortunate—all my recent flights have left on time. But from what I’ve heard from friends who weren’t as lucky on their recent travels, it’s true that Etiqa has the most seamless claim process for flight delays . All you need to do is enter your flight details when purchasing your insurance. Etiqa will monitor your flight and know if your flight is delayed (to count as a delay, it needs to be pushed back at least 3 consecutive hours). If that happens, they’ll transfer money into your Etiqa TiqConnect eWallet—even if you don’t submit a claim! You can then encash that sum via PayNow.

On top of this travel delay claim benefit, Etiqa also provides flight check-in reminders and baggage belt collection details via SMS when you land. I experienced this myself when I bought Etiqa’s travel insurance for my trip to the UK this year. Now that’s what I call service.

Etiqa’s travel insurance is called Tiq Travel Insurance  and comes in 3 tiers: Tiq Entry , Tiq Savvy , and Tiq Luxury . Here are their costs and coverage components:

Tiq Entry is sufficient to give you essential coverage for travel disruptions. But if you’ve just a little more to spend, go for Tiq Savvy . This will more than double your coverage limit for overseas medical expenses from $200,000 to $500,000 for just an additional $5 a week—that’s less than $1 a day.

45% Off Total Premium S$62

Most efficient claims for flight delay

Travel Cancelation

Total Premium Total Premium S$62 45% Off

[MoneySmart Exclusive | FLASH SALE]      • Enjoy 45% off your Single Trip policy premium and 80% off Covid-19 add-on for Annual Plans. T&Cs apply • Get S$10 iShopChangi e-voucher with every policy purchased.  T&Cs apply.   New to Tiq? Get FREE Travel Insurance  (worth S$30) from Tiq. T&Cs apply.     [Etiqa's 10th Year 2024 Grand Draw]

Stand a chance to win S$10,000 cash or a Singapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth S$173) with eligible Etiqa/Tiq by Etiqa plans purchased. T&Cs apply.

Comprehensive COVID-19 add-on, protecting you before, during and after your trip

Covers Cruise to Nowhere

Get paid upon a 3-hour flight delay, even without submitting a claim

Instant claims encashment via PayNow

24-hour worldwide emergency travel support

The only disadvantage to Tiq travel insurance is that COVID-19 coverage is not included in the base price and you’ll have to pay for their optional  COVID-19 Add-On to be covered. Some people might say this is an advantage—it gives you a greater degree of flexibility to decide if you want to have COVID-19 coverage or not, especially as COVID-19 becomes less and less prevalent. However, the fact remains that you need to pay extra for it compared to travel insurance plans where COVID-19 coverage is already included.

Here’s how much the COVID-19 Add-On will cost for a 7-day trip:

Costs are based on quotes generated on Etiqa at time of publishing.

To be covered for travel disruptions and medical expenses related to COVID-19, you’ll need to add the costs above to the base Tiq travel insurance prices.

Etiqa travel insurance promotion

45% Off Total Premium S$42

Total Premium Total Premium S$42 45% Off

Comprehensive Covid-19 add-on, protecting you before, during and after your trip

Enjoy  40% off Tiq Single Trip Travel Insurance plans —that means your week-long ASEAN trip now costs just $23 instead of $39 under Tiq Entry.

Getting annual travel insurance instead? Get  60% off the COVID-19 add-on for Annual Plans!

From now till 15 Aug 2024, purchase Tiq travel insurance to enter  Etiqa’s 10th Year 2024 Grand Draw . 5 lucky winners will walk away with  $10,000 cash , and 150 will receive a S ingapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth $173)!

8. Cheapest travel insurance in Singapore

When I buy travel insurance, I don’t really care whether the insurer has 900 years of experience or if the plan comes with extra coverage for Chanel bags. Just give me the cheapest travel insurance plan can  l iao !

If that sounds like you too, you’ll be glad to know we’ve done the legwork for you. After assessing the most popular travel insurers in Singapore, the honour of cheapest travel insurance in Singapore goes to… FWD travel insurance .

25% Off Total Premium S$35.35

FWD Premium

Total Premium Total Premium S$35.35 25% Off

Optional add on coverage available for pre-existing Medical Conditions for Single Trips plans (up to 30 days) with S$50,000 coverage for medical expenses incurred overseas and 50% co-payment for trip cancellation, postponement and more!

But as the old saying goes, you get what you pay for. Will you regret being a cheapskate and lose out on important coverage if the only number you look at is the price?

In a way, yes. Because FWD travel insurance is only the cheapest option with 2 caveats.

Firstly, travel insurers have limited-time discounts all the time. This is no secret. It does, however, make it difficult to compare prices when an expensive plan is on 40% off but a cheaper one is on 10% off. That’s why for the table above, we compared base prices without discounts .

But when you take into account promotional prices, which plan is the cheapest? There’s no need to open a million tabs to compare every travel insurance plan out there. Just use our travel insurance comparison tool  with the “Lowest Price” filter on. You’re welcome!

The second caveat is this: FWD came out the cheapest when we looked at its price  without its COVID-19 add-on. If you’re looking for a travel insurance plan that includes coverage for disruptions due to COVID-19 (which you should!), the real winners are  Amex travel insurance and  Singlife travel insurance .

25% Off Total Premium S$43.90

Singlife Travel Lite

Total Premium Total Premium S$43.90 25% Off

Covers trip interruptions or cancellations due to COVID-19 and cover your medical treatment should you contract COVID-19 whilst overseas.

Covers rental vehicle excess up to S$500.

Payout of S$50** should your trip be affected by excessive rainfall.

At the end of the day, ask yourself what specific travel insurance coverage you want to have, and assess the travel insurance options to find one that suits your needs.

Need some help? Read our travel insurance guide to understand all you need to know about choosing the best travel insurance. Don’t forget to use our travel insurance comparison tool to seamlessly compare plans across different providers in Singapore. We also have a comparison tool for travel insurance in Hong Kong !

9. Does travel insurance cover COVID-19?

When the COVID-19 pandemic started, most insurers did not extend their coverage to COVID-19-related mishaps. (Read more here .) The pandemic was quickly considered a “known event”, which insurers usually do not offer compensation for. So, if your flight got cancelled because of COVID-19, you’d be out of luck trying to get your insurance claims approved.

Now that practically all travel restrictions are lifted, insurance companies are rushing for a slice of the pie. Since the virus looks like it’s here to stay, most insurers are offering coverage that includes specific benefits for COVID-19. Where COVID-19 benefits aren’t already included in the policy, insurers offer an optional COVID-19 rider you can pay for to add on to the existing regular coverage.

Read your policy documents carefully to see if COVID-19 is covered, and add it on if you need to.

10. How do I choose the best travel insurance with COVID-19 coverage?

COVID-19 coverage  can vary quite a bit from insurer to insurer . When you’re shopping for the best insurance policy,  there are 4 things you want to look out for when it comes to choosing the best travel insurance with COVID-19 coverage:

Medical expenses coverage

Do note that the plans still exclude travelling against a travel advisory put in place by the Singapore government or by the local authority at your trip destination. Meaning, if your destination country goes on red alert for COVID-19, visitors are highly likely to come into contact with the virus and your insurance is highly likely to reject any COVID-19 claims. So be sure to check announcements on both ends before you depart.

Another common exclusion is failing to take precautions against COVID-19. This is worded kinda vaguely in those lengthy insurance policies, but could include not following any COVID-19 regulations at your destination or on the plane. So make sure you wear your mask whenever it’s required (or even when it’s not, if you want to play extra safe) and don’t attend any illegal raves.

11. What do I do if I get COVID-19 during or after my travels?

First of all, when booking your trip, you should retain all receipts, tickets and itineraries in case your trip has to be cancelled or altered.

At the first sign of a COVID-19 infection or related travel disruption, you should call your insurer and ask for guidance. Many insurers maintain a 24-hour hotline for travel claims. Save that number before you depart Singapore so that you aren’t stuck somewhere without wi-fi or 4G to Google the hotline.

To make a claim , you will usually have to submit your insurer’s form with supporting documents by the deadline mentioned in your contract (usually 30 days). Don’t wait until you’re back in Singapore to check which documents you need.

If you catch COVID-19 while you’re in Singapore , you will likely have to submit the results of a PCR Swab Test or Antigen Rapid Test conducted at a clinic or hospital.

It gets a bit more complicated if you’re overseas . The insurer will likely require documentation from the hospital as well as a doctor’s letter stating that you are unfit to travel and/or recommending treatment.

If you need to be quarantined overseas , you should make sure you have a quarantine order from the government, otherwise you may not be able to claim for quarantine allowance. Remember to ask for this as not all countries automatically issue such documentation.

ALSO READ: COVID-19 Travel Insurance Claim Guide

Planning to get travel insurance for your next trip? Learn how to claim for COVID-19 here!

About the author

Vanessa Nah  is a personal finance content writer who pens articles on the ins and outs of travel insurance, the T&Cs of credit cards, and the ups and downs of alternative investments. She’s a researcher at heart and leaves no stone unturned when it comes to breaking down complex finance concepts and making them easy to understand for the everyday Singaporean. When Vanessa’s not debunking finance myths, you’ll find her attending dance classes, fingerpicking a guitar, or (most im paw tently) fulfilling her life mission to make her one-eyed cat the most spoiled and loved kitty in the world.

The post 6 Best Travel Insurance with COVID-19 Coverage in Singapore (May 2024) appeared first on the MoneySmart blog .

MoneySmart.sg helps you maximize your money. Like us on Facebook to keep up to date with our latest news and articles.

Compare and shop for the best deals on Loans , Insurance and Credit Cards on our site now!

The post 6 Best Travel Insurance with COVID-19 Coverage in Singapore (May 2024) appeared first on MoneySmart Blog .

Original article: 6 Best Travel Insurance with COVID-19 Coverage in Singapore (May 2024) .

© 2009-2018 Catapult Ventures Pte Ltd. All rights reserved.

Latest stories

These flight routes suffer the world’s worst turbulence.

A series of incidents that left scores of airline passengers needing medical attention has shone a spotlight on the problem of severe in-flight turbulence.

I went inside a hidden room where flight attendants sleep on long-haul flights. I was amazed by its small size and comfy beds.

Business Insider's reporter toured a secret room above economy where Air New Zealand flight attendants sleep on long-haul Boeing 777-300ER flights.

23 best buffets in Singapore: Ultimate all-you-can-eat guide for all occasions

The post 23 best buffets in Singapore: Ultimate all-you-can-eat guide for all occasions appeared first on SETHLUI.com.

Thailand considers end to 52-year-old afternoon booze ban to woo tourists

Thai Prime Minister Srettha Thavisin may end a 52-year-old ban on afternoon alcohol sales after appeals from the tourism industry, which is struggling with rising costs and weak consumer spending.

I've visited over 50 cities in Europe. London and Paris were great, but these 5 lesser-known locations are worth a visit.

After traveling to 50 cities in Europe, I've discovered some beautiful hidden gems. From Bath to Bruges, these are the cities worth visiting.

My family went to Rome during the peak summer season. Our trip would've been better if we'd known these 5 things before we left.

Rome is crowded, hot, and expensive during its summer high season. If you're going anyway, follow these travel tips about insurance and tour times.

I booked the cheapest accommodation on an overnight train in Europe. I'll never do it again.

Business Insider's reporter took an overnight train in Europe from Berlin to Vienna in a seat in a shared cabin with five other people.

Man Helped Down From Overhead Compartment After Flight Experiences 'Strong Turbulence'

Dozens of passengers were injured after a flight from Spain to Uruguay experienced severe turbulence on Monday, July 1, reports said.Spanish airline Air Europa said on Monday that the flight, which flew from Madrid and was bound for Montevideo, was diverted to an airport in northeastern Brazil due to “strong turbulence,” adding that minor injuries were reported.Footage filmed by passenger Natalia Gimeno shows the damaged aircraft, injured people being treated in the plane’s aisle, and a man being helped down from an overhead compartment.Passengers who didn’t require medical attention were transferred to a separate aircraft and continued their journey to Montevideo on Tuesday, Air Europa wrote.“We are sorry for what happened and the inconvenience caused and hope for a speedy recovery of the passengers,” the airline wrote. Credit: Natalia Gimeno via Storyful

Watch: Passenger Stuck in Overhead Bin Following Severe Turbulence

Turbulence led to dozens of injuries, including several taken to intensive care, after an Air Europa aircraft flying from Spain to Uruguay with 325 passengers was forced to make an emergency landing in Brazil.

Amsterdam has long wanted to keep ‘nuisance’ tourists away. First, it banned new hotels and now, it plans to ban cruises

Amsterdam has seen visitor numbers soar in recent years—and it's not a fan. But cracking down on the trend could hurt its tourism industry.

Want to escape the heat? These are the 7 coolest European places you can reach by train this summer

Is extreme heat dampening your holiday spirit? Here are the coldest places in Europe you can get a train to right now.

These are some of Dubai’s most expensive luxury hotel rooms

For the best of Dubai’s luxury living, you can’t do better than these extravagant hotel suites and exclusive villas — some of the city’s, and the world’s, most extravagant and expensive hotel rooms.

I visited Disney World's high-end campsite. Each one-bedroom cabin sleeps up to 6 adults, and golf carts are everywhere.

The Cabins at Disney's Fort Wilderness Resort offers a luxurious twist on camping. Each 500-square-foot space has one bedroom and sleeps six people.

Flight to New Hampshire diverted after man exposes himself and pees in the aisle, officials say

The 25-year-old man from Oregon was arrested and charged with indecent exposure

Walking trails, trains and outdoor activities: A guide to exploring Italy sustainably

Italy has invested millions in sustainable tourism, from walking trails to trains.

A flight attendant shares the 10 items she always packs for a trip, starting at $8

Yahoo tapped a travel pro for her clever picks, from backpacks to beauty products.

This ivy-clad Rome neighbourhood is where the locals come to eat

In search of the best traditional food in the Italian capital, Suzy Pope ventures across the Tiber to the ancient working-class district of Trastevere, where she finds hidden osterias and bustling trattorias

Mystery deepens as passengers challenge Stanley Johnson claims over flight diversion to Heathrow

Exclusive: Could British Airways face £200,000 payout for compensation claims?

Family devastated after dog dies from overheating on an Alaska Airlines flight

The owners claim staff would not allow the French bulldog to be let out of his carrier

Fantasy, frills and a pink fox: Playing dress up at Hong Kong Disneyland

There are a lot of princesses at Hong Kong Disneyland, but not the ones you think. Instead of your Cinderellas, Elsas and Annas in their royal best, it’s a fuzzy pink fox that’s inspiring the princess-esque outfits of Disney-goers in their teens and 20s.

• Auto Insurance Best Car Insurance Cheapest Car Insurance Compare Car Insurance Quotes Best Car Insurance For Young Drivers Best Auto & Home Bundles Cheapest Cars To Insure
• Home Insurance Best Home Insurance Best Renters Insurance Cheapest Homeowners Insurance Types Of Homeowners Insurance
• Life Insurance Best Life Insurance Best Term Life Insurance Best Senior Life Insurance Best Whole Life Insurance Best No Exam Life Insurance
• Pet Insurance Best Pet Insurance Cheap Pet Insurance Pet Insurance Costs Compare Pet Insurance Quotes
• Travel Insurance Best Travel Insurance Cancel For Any Reason Travel Insurance Best Cruise Travel Insurance Best Senior Travel Insurance
• Health Insurance Best Health Insurance Plans Best Affordable Health Insurance Best Dental Insurance Best Vision Insurance Best Disability Insurance
• Credit Cards Best Credit Cards 2024 Best Balance Transfer Credit Cards Best Rewards Credit Cards Best Cash Back Credit Cards Best Travel Rewards Credit Cards Best 0% APR Credit Cards Best Business Credit Cards Best Credit Cards for Startups Best Credit Cards For Bad Credit Best Cards for Students without Credit
• Credit Card Reviews Chase Sapphire Preferred Wells Fargo Active Cash® Chase Sapphire Reserve Discover It® Cash Back Discover It® Student Chrome Discover It® Student Cash Back Chase Ink Business Unlimited American Express Blue Business Plus
• Credit Card by Issuer Best Chase Cards Best Discover Cards Best American Express Cards Best Visa Credit Cards Best Bank of America Credit Cards
• Credit Score Best Credit Monitoring Services Best Identity Theft Protection
• CDs Best CD Rates Best No Penalty CDs Best Jumbo CD Rates Best 3 Month CD Rates Best 6 Month CD Rates Best 9 Month CD Rates Best 1 Year CD Rates Best 2 Year CD Rates Best 5 Year CD Rates
• Checking Best High-Yield Checking Accounts Best Checking Accounts Best No Fee Checking Accounts Best Teen Checking Accounts Best Student Checking Accounts Best Joint Checking Accounts Best Business Checking Accounts Best Free Checking Accounts
• Savings Best High-Yield Savings Accounts Best Free No-Fee Savings Accounts Simple Savings Calculator Monthly Budget Calculator: 50/30/20
• Mortgages Best Mortgage Lenders Best Online Mortgage Lenders Current Mortgage Rates Best HELOC Rates Best Mortgage Refinance Lenders Best Home Equity Loan Lenders Best VA Mortgage Lenders Mortgage Refinance Rates Mortgage Interest Rate Forecast
• Personal Loans Best Personal Loans Best Debt Consolidation Loans Best Emergency Loans Best Home Improvement Loans Best Bad Credit Loans Best Installment Loans For Bad Credit Best Personal Loans For Fair Credit Best Low Interest Personal Loans
• Student Loans Best Student Loans Best Student Loan Refinance Best Student Loans for Bad or No Credit Best Low-Interest Student Loans
• Business Loans Best Business Loans Best Business Lines of Credit Apply For A Business Loan Business Loan vs. Business Line Of Credit What Is An SBA Loan?
• Investing Best Online Brokers Top 10 Cryptocurrencies Best Low-Risk Investments Best Cheap Stocks To Buy Now Best S&P 500 Index Funds Best Stocks For Beginners How To Make Money From Investing In Stocks
• Retirement Best Roth IRAs Best Gold IRAs Best Investments for a Roth IRA Best Bitcoin IRAs Protecting Your 401(k) In a Recession Types of IRAs Roth vs Traditional IRA How To Open A Roth IRA
• Business Formation Best LLC Services Best Registered Agent Services How To Start An LLC How To Start A Business
• Web Design & Hosting Best Website Builders Best E-commerce Platforms Best Domain Registrar
• HR & Payroll Best Payroll Software Best HR Software Best HRIS Systems Best Recruiting Software Best Applicant Tracking Systems
• Payment Processing Best Credit Card Processing Companies Best POS Systems Best Merchant Services Best Credit Card Readers How To Accept Credit Cards
• More Business Solutions Best VPNs Best VoIP Services Best Project Management Software Best CRM Software Best Accounting Software
• Debt relief Best debt management Best debt settlement Do you need a debt management plan? What is debt settlement? Debt consolidation vs. debt settlement Should you settle your debt or pay in full? How to negotiate a debt settlement on your own
• Debt collection Can a debt collector garnish my bank account or my wages? Can credit card companies garnish your wages? What is the Fair Debt Collection Practices Act?
• Bankruptcy How much does it cost to file for bankruptcy? What is Chapter 7 bankruptcy? What is Chapter 13 bankruptcy? Can medical bankruptcy help with medical bills?
• More payoff strategies Tips to get rid of your debt in a year Don't make these mistakes when climbing out of debt How credit counseling can help you get out of debt What is the debt avalanche method? What is the debt snowball method?
• Manage Topics
• Investigations
• Visual Explainers
• Newsletters
• Abortion news
• Climate Change
• Corrections Policy
• Sports Betting
• Coach Salaries
• College Basketball (M)
• College Basketball (W)
• College Football
• Concacaf Champions Cup
• For The Win
• High School Sports
• H.S. Sports Awards
• Scores + Odds
• Sports Pulse
• Sports Seriously
• Women's Sports
• Youth Sports
• Celebrities
• Entertainment This!
• Celebrity Deaths
• Policing the USA
• Women of the Century
• Problem Solved
• Personal Finance
• Consumer Recalls
• Video Games
• Product Reviews
• Home Internet
• Destinations
• Airline News
• Experience America
• Great American Vacation
• Ingrid Jacques
• Nicole Russell
• Meet the Opinion team
• How to Submit
• Obituaries Obituaries
• Contributor Content Contributor Content

Personal Loans

Best personal loans

Auto Insurance

Best car insurance

Best high-yield savings

CREDIT CARDS

Best credit cards

Advertiser Disclosure

Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Travel insurance

Tricky travel insurance questions answered by experts

Erica Lamberg

Alyce Meserve

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Heidi Gollub

Published 6:00 a.m. UTC July 2, 2024

• path]:fill-[#49619B]" alt="Facebook" width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg">
• path]:fill-[#202020]" alt="Email" width="19" height="14" viewBox="0 0 19 14" fill="none" xmlns="http://www.w3.org/2000/svg">

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

Powerofforever, Getty Images

• Travel insurance is subject to the terms and conditions of your policy, so it’s vital to read your policy documents to understand the scope of coverage, policy limits and exclusions of your plan. 
• Although your credit card may offer some valuable travel insurance benefits, make sure the coverage limits are a fit with your travel plans and circumstances.
• You can buy travel insurance to cover a portion of trip expenses, or to cover a trip with no prepaid, nonrefundable costs. 

Travel insurance can be a sound investment that protects your trip costs, health and the value of your belongings while you’re on a trip. Most comprehensive travel insurance plans provide coverage for the following issues: trip cancellation, trip delay, trip interruption, medical expense, emergency medical evacuation and baggage loss protection.

Your plan documents will provide an overview of the scope of coverage, including what your travel insurance covers , the limitations and what is excluded from your coverage.

It’s important to read your policy thoroughly and carefully so you can get the most value from your travel insurance plan.

Even when a policy is comprehensive, you may still have questions and concerns about the scope of what your plan will cover, how the policy works regarding reimbursement and more. We’ve asked travel insurance experts to explain the fine print and address some pressing travel insurance questions to help you be a more informed traveler and be best protected on your trip.

Do I need to buy travel insurance if my credit card covers it?

You may hold a credit card with travel insurance benefits that are provided when you use that credit card to pay for your trip. But its coverage might not be sufficient for an expensive or international trip. 

“Many credit card providers include no additional charge travel insurance coverage as part of a customer’s selection of a particular card,” said Scott Adamski, spokesperson with AIG Travel . “Based on the card type and level, benefits vary significantly, so it’s incumbent on the cardholder to review the terms and conditions in order to understand what coverages, if any, are included in the card.”

He cautions that cardholders should review limits of coverage to determine whether they are adequate for their needs. “In one review of credit card trip cancellation coverage, a particular card offers a $1,500 maximum trip cancellation benefit. If the customer were taking a trip with, for example, a $5,000 trip cost, there may be a limitation as to getting reimbursement above the benefit level through the coverage under the credit card,” said Adamski.

Another important consideration is that select credit cards may provide limited or no medical expense coverage . As most domestic health insurance isn’t accepted in foreign countries, make certain you are prepared with health coverage when traveling outside the U.S.

Travel insurance policies that you buy from a third party let you customize your coverage so you can get the benefits you need for a particular trip. These standalone policies offer a larger list of covered cancellation and interruption reasons, missed connection benefits, optional upgrades like adventure bundles, rental car coverage or increased limits on baggage, trip delay and medical and emergency evacuation protection . Plus, the only way to get “ cancel for any reason ” and “interruption for any reason” coverage is through a third-party policy. 

Although many credit cards provide baggage and trip delay insurance, getting a claim paid can take an extended period. Because airlines sometimes provide compensation for delayed flights and baggage, the credit card company may require you to prove what the airline reimbursed you before it will consider your claim.

“It is important to understand all parameters of the coverage, and you should review the details of any coverage you have through your credit cards,” Adamski said. He added, that due to the limitations described above, a third-party travel insurance program may be a great complement to the coverage offered through a credit card.

Can I insure only part of my trip?

Daniel Durazo, spokesperson for Allianz Partners US, said indeed you could purchase travel insurance to cover only part of your prepaid travel expenses. 

If, for instance, your flights are refundable and your car rental is cancellable, you may only want to buy travel insurance for the value of your prepaid accommodations. 

Travel insurance costs an average of 5% to 6% of the prepaid, nonrefundable trip expenses you want to insure. Insuring a lower amount will bring down the cost of your travel insurance policy.

Can I insure a trip with a value of $0?

Adamski with AIG said, yes, you can insure a trip with a zero value. “In fact, purchasing a travel insurance plan where there are no prepaid nonrefundable costs is not uncommon, and a common scenario includes the use of airline or similar mileage to pay for travel,” he said.

So when someone is using rewards miles to purchase air tickets or other components of a travel experience, there may not be any non-refundable amount. “An insured can still purchase an AIG Travel plan at $0 trip cost and benefit from the comprehensive coverages offered in the plan, i.e., medical expense, baggage and medical evacuation,” said Adamski.

Is it worth buying an annual policy or are the limits much lower? 

Opting to buy an annual travel insurance plan may be a sound purchase for frequent travelers. “Typically, an annual plan may offer lower benefits and limited coverage for scenarios such as trip cancellation, trip interruption or travel delays but will, conversely, have robust coverage for medical expense and medical evacuation benefits,” explained Adamski.

Therefore, someone who’s taking a number of low-cost trips using domestic air travel may elect to buy an annual plan specifically for more catastrophic events, such as a medical evacuation, particularly if they’re not as concerned about protecting the low-cost airfares, he said.

As an example, parents who have children located throughout the U.S. and are paying for lower costs, such as domestic air tickets to travel and then staying with their children, have relatively low out-of-pocket costs. “An annual plan may be a good fit. However, if those parents decide to take a vacation and book a $25,000 cruise, an individual travel insurance plan would be a good option,” clarified Adamski.

Annual policies can vary widely in terms of how or whether they cover pre-existing conditions. Some policies may cover pre-existing conditions if you buy the plan shortly after paying the initial deposit, while others cover them only if you experience an acute flare-up. However, some don’t offer any extra protection and restrict coverage to a medical history look-back period.

To ascertain if a plan is correct for your travel circumstances, be sure to thoroughly review the terms and conditions, benefits, coverages and limits of your travel insurance policy.

When will travel insurance arrange payment for a medical emergency?

According to Durazo with Allianz, depending on your personal situation, you may need to pay up front for medical care or be able to rely on your travel insurance to handle payment.

“If you experience a minor injury, such as needing to get stitches for a cut or getting a splint for a sprained ankle, there’s a possibility you will need to pay out of pocket and get reimbursed later,” said Durazo. 

However, he said, should you experience a more serious injury that leaves you in the hospital for more than 24 hours, that’s typically when an insurance company can guarantee advance payment for medical care, up to the limit of your specific policy. 

“Experiencing a medical emergency when you’re far from home can be incredibly stressful,” said Durazo. “That’s why it’s essential to purchase emergency medical coverage from a credible travel insurance company, who you know will be there for you when you have a problem.”

Expert tip: A travel insurance company with a medical assistance team can help direct you to the local, pre-screened medical providers, provide translation services when speaking with medical professionals outside of your own country, guarantee payments to hospitals and help transfer you to a more appropriate medical facility for top care.

Is it worth buying travel insurance if my health insurance covers me?

Relying solely on your health insurance provider in a foreign country can leave you in a vulnerable situation. Even if your domestic health insurance reimburses for medical expenses incurred outside of the country — and many don’t — it may require you to get pre-authorization, find an in-network provider and submit reimbursement claims. This could put you in a tough spot if you need to pay for medical care before you can leave the country. 

Travel medical insurance , which is included in comprehensive travel insurance plans, can provide additional guidance and advance payments to ensure your safe return home.

According to Durazo, if your health insurance is accepted abroad, it’s important to speak with your health insurance provider to determine if your policy also includes coverage for potentially expensive emergency medical evacuation and transportation. 

“Emergency medical transportation, especially by air ambulance, can cost tens of thousands of dollars and be very difficult to arrange on your own,” said Durazo. “Your travel insurance policy can arrange and pay for costly emergency medical transportation.”

Can I get reimbursed if I’m too anxious to travel?

Travel insurance recognizes numerous “covered perils,” that would allow you to cancel your trip — even last-minute — and still be covered, subject to the terms of the insurance policy, said Adamski with AIG. “However, fear of travel is not a covered reason, nor is — as a more specific example — a concern that a developing tropical cyclone could become a hurricane and hit a certain destination when a traveler is scheduled to be there,” he said.

However, many travel insurance plans offer an optional “cancel for any reason” (CFAR) upgrade that would provide coverage for circumstances like these. The decision to pay extra for CFAR coverage is closely connected to the traveler’s risk tolerance, the value of the trip and circumstances that may arise that may not be covered under the terms and conditions of the base travel insurance plan, said Adamski.

“The key benefit put plainly is that this optional coverage could provide reimbursement for prepaid, nonrefundable trip costs in circumstances where no other coverage may apply. It is of great importance that travelers carefully review the terms of any policies that offer a CFAR option to get specifics on coverage amounts, limits or exclusions,” said Adamski.

For example, if a traveler has purchased the optional CFAR coverage and needs to cancel for a non-covered reason under their AIG travel insurance plan, Adamski said they may be reimbursed up to 50% of their prepaid, nonrefundable trip cost. “Please note that, under the terms of CFAR, the traveler must cancel the trip more than 48 hours prior to their planned trip departure,” he emphasized. 

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Erica Lamberg is a regular contributor to Fox News, Fox Business, Real Simple, Forbes Advisor, AAA and USA TODAY. She writes about business, travel, personal finance, health, travel insurance and work/life balance. She is based in suburban Philadelphia.

Alyce Meserve is an experienced insurance, personal finance and travel writer. Alyce is a licensed insurance professional in life, health and property and casualty, and holds an Executive Certificate in Financial Planning from Duke University.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

Travel insurance for vacations to Italy

Travel insurance Timothy Moore

10 worst US airports for flight cancellations this week

Travel insurance Heidi Gollub

10 worst US airports for flight cancellations last week

Survey: 20% of Americans have had a life-changing experience while traveling

Our travel insurance ratings methodology

AXA Assistance USA travel insurance review 2024

Travel insurance Jennifer Simonson

Cheapest travel insurance of July 2024

Travel insurance Mandy Sleight

Average flight costs: Travel, airfare and flight statistics 2024

John Hancock travel insurance review 2024

HTH Worldwide travel insurance review 2024

Airfare at major airports is up 29% since 2021

USI Affinity travel insurance review 2024

Trawick International travel insurance review 2024

Travel insurance for Canada

Travelex travel insurance review 2024

• COVID-19 travel advice

Considering travel during the pandemic? Take precautions to protect yourself from COVID-19.

A coronavirus disease 2019 (COVID-19) vaccine can prevent you from getting COVID-19 or from becoming seriously ill due to COVID-19 . But even if you're vaccinated, it's still a good idea to take precautions to protect yourself and others while traveling during the COVID-19 pandemic.

If you've had all recommended COVID-19 vaccine doses, including boosters, you're less likely to become seriously ill or spread COVID-19 . You can then travel more safely within the U.S. and internationally. But international travel can still increase your risk of getting new COVID-19 variants.

The Centers for Disease Control and Prevention (CDC) recommends that you should avoid travel until you've had all recommended COVID-19 vaccine and booster doses.

Before you travel

As you think about making travel plans, consider these questions:

• Have you been vaccinated against COVID-19 ? If you haven't, get vaccinated. If the vaccine requires two doses, wait two weeks after getting your second vaccine dose to travel. If the vaccine requires one dose, wait two weeks after getting the vaccine to travel. It takes time for your body to build protection after any vaccination.
• Have you had any booster doses? Having all recommended COVID-19 vaccine doses, including boosters, increases your protection from serious illness.
• Are you at increased risk for severe illness? Anyone can get COVID-19 . But older adults and people of any age with certain medical conditions are at increased risk for severe illness from COVID-19 .
• Do you live with someone who's at increased risk for severe illness? If you get infected while traveling, you can spread the COVID-19 virus to the people you live with when you return, even if you don't have symptoms.
• Does your home or destination have requirements or restrictions for travelers? Even if you've had all recommended vaccine doses, you must follow local, state and federal testing and travel rules.

Check local requirements, restrictions and situations

Some state, local and territorial governments have requirements, such as requiring people to wear masks, get tested, be vaccinated or stay isolated for a period of time after arrival. Before you go, check for requirements at your destination and anywhere you might stop along the way.

Keep in mind these can change often and quickly depending on local conditions. It's also important to understand that the COVID-19 situation, such as the level of spread and presence of variants, varies in each country. Check back for updates as your trip gets closer.

Travel and testing

For vaccinated people.

If you have been fully vaccinated, the CDC states that you don't need to get tested before or after your trip within the U.S. or stay home (quarantine) after you return.

If you're planning to travel internationally outside the U.S., the CDC states you don't need to get tested before your trip unless it's required at your destination. Before arriving to the U.S., you need a negative test within the last day before your arrival or a record of recovery from COVID-19 in the last three months.

After you arrive in the U.S., the CDC recommends getting tested with a viral test 3 to 5 days after your trip. If you're traveling to the U.S. and you aren't a citizen, you need to be fully vaccinated and have proof of vaccination.

You don't need to quarantine when you arrive in the U.S. But check for any symptoms. Stay at home if you develop symptoms.

For unvaccinated people

Testing before and after travel can lower the risk of spreading the virus that causes COVID-19 . If you haven't been vaccinated, the CDC recommends getting a viral test within three days before your trip. Delay travel if you're waiting for test results. Keep a copy of your results with you when you travel.

Repeat the test 3 to 5 days after your trip. Stay home for five days after travel.

If at any point you test positive for the virus that causes COVID-19 , stay home. Stay at home and away from others if you develop symptoms. Follow public health recommendations.

Stay safe when you travel

In the U.S., you must wear a face mask on planes, buses, trains and other forms of public transportation. The mask must fit snugly and cover both your mouth and nose.

Follow these steps to protect yourself and others when you travel:

• Get vaccinated.
• Keep distance between yourself and others (within about 6 feet, or 2 meters) when you're in indoor public spaces if you're not fully vaccinated. This is especially important if you have a higher risk of serious illness.
• Avoid contact with anyone who is sick or has symptoms.
• Avoid crowds and indoor places that have poor air flow (ventilation).
• Don't touch frequently touched surfaces, such as handrails, elevator buttons and kiosks. If you must touch these surfaces, use hand sanitizer or wash your hands afterward.
• Wear a face mask in indoor public spaces. The CDC recommends wearing the most protective mask possible that you'll wear regularly and that fits. If you are in an area with a high number of new COVID-19 cases, wear a mask in indoor public places and outdoors in crowded areas or when you're in close contact with people who aren't vaccinated.
• Avoid touching your eyes, nose and mouth.
• Cover coughs and sneezes.
• Wash your hands often with soap and water for at least 20 seconds.
• If soap and water aren't available, use a hand sanitizer that contains at least 60% alcohol. Cover all surfaces of your hands and rub your hands together until they feel dry.
• Don't eat or drink on public transportation. That way you can keep your mask on the whole time.

Because of the high air flow and air filter efficiency on airplanes, most viruses such as the COVID-19 virus don't spread easily on flights. Wearing masks on planes has likely helped lower the risk of getting the COVID-19 virus on flights too.

However, air travel involves spending time in security lines and airport terminals, which can bring you in close contact with other people. Getting vaccinated and wearing a mask when traveling can help protect you from COVID-19 while traveling.

The Transportation Security Administration (TSA) has increased cleaning and disinfecting of surfaces and equipment, including bins, at screening checkpoints. TSA has also made changes to the screening process:

• Travelers must wear masks during screening. However, TSA employees may ask travelers to adjust masks for identification purposes.
• Travelers should keep a distance of 6 feet apart from other travelers when possible.
• Instead of handing boarding passes to TSA officers, travelers should place passes (paper or electronic) directly on the scanner and then hold them up for inspection.
• Each traveler may have one container of hand sanitizer up to 12 ounces (about 350 milliliters) in a carry-on bag. These containers will need to be taken out for screening.
• Personal items such as keys, wallets and phones should be placed in carry-on bags instead of bins. This reduces the handling of these items during screening.
• Food items should be carried in a plastic bag and placed in a bin for screening. Separating food from carry-on bags lessens the likelihood that screeners will need to open bags for inspection.

Be sure to wash your hands with soap and water for at least 20 seconds directly before and after going through screening.

Public transportation

If you travel by bus or train and you aren't vaccinated, be aware that sitting or standing within 6 feet (2 meters) of others for a long period can put you at higher risk of getting or spreading COVID-19 . Follow the precautions described above for protecting yourself during travel.

Even if you fly, you may need transportation once you arrive at your destination. You can search car rental options and their cleaning policies on the internet. If you plan to stay at a hotel, check into shuttle service availability.

If you'll be using public transportation and you aren't vaccinated, continue physical distancing and wearing a mask after reaching your destination.

Hotels and other lodging

The hotel industry knows that travelers are concerned about COVID-19 and safety. Check any major hotel's website for information about how it's protecting guests and staff. Some best practices include:

• Enhanced cleaning procedures
• Physical distancing recommendations indoors for people who aren't vaccinated
• Mask-wearing and regular hand-washing by staff
• Mask-wearing indoors for guests in public places in areas that have high cases of COVID-19
• Vaccine recommendations for staff
• Isolation and testing guidelines for staff who've been exposed to COVID-19
• Contactless payment
• Set of rules in case a guest becomes ill, such as closing the room for cleaning and disinfecting
• Indoor air quality measures, such as regular system and air filter maintenance, and suggestions to add air cleaners that can filter viruses and bacteria from the air

Vacation rentals, too, are enhancing their cleaning procedures. They're committed to following public health guidelines, such as using masks and gloves when cleaning, and building in a waiting period between guests.

Make a packing list

When it's time to pack for your trip, grab any medications you may need on your trip and these essential safe-travel supplies:

• Alcohol-based hand sanitizer (at least 60% alcohol)
• Disinfectant wipes (at least 70% alcohol)
• Thermometer

Considerations for people at increased risk

Anyone can get very ill from the virus that causes COVID-19 . But older adults and people of any age with certain medical conditions are at increased risk for severe illness. This may include people with cancer, serious heart problems and a weakened immune system. Getting the recommended COVID-19 vaccine and booster doses can help lower your risk of being severely ill from COVID-19 .

Travel increases your chance of getting and spreading COVID-19 . If you're unvaccinated, staying home is the best way to protect yourself and others from COVID-19 . If you must travel and aren't vaccinated, talk with your health care provider and ask about any additional precautions you may need to take.

Remember safety first

Even the most detailed and organized plans may need to be set aside when someone gets ill. Stay home if you or any of your travel companions:

• Have signs or symptoms, are sick or think you have COVID-19
• Are waiting for results of a COVID-19 test
• Have been diagnosed with COVID-19
• Have had close contact with someone with COVID-19 in the past five days and you're not up to date with your COVID-19 vaccines

If you've had close contact with someone with COVID-19 , get tested after at least five days. Wait to travel until you have a negative test. Wear a mask if you travel up to 10 days after you've had close contact with someone with COVID-19 .

• How to protect yourself and others. Centers for Disease Control and Prevention. https://www.cdc.gov/coronavirus/2019-ncov/prevent-getting-sick/prevention.html. Accessed Feb. 4, 2022.
• Domestic travel during COVID-19. Centers for Disease Control and Prevention. https://www.cdc.gov/coronavirus/2019-ncov/travelers/travel-during-covid19.html. Accessed Feb. 4, 2022.
• Requirement for face masks on public transportation conveyances and at transportation hubs. Centers for Disease Control and Prevention. https://www.cdc.gov/coronavirus/2019-ncov/travelers/face-masks-public-transportation.html. Accessed Feb. 4, 2022.
• International travel. Centers for Disease Control and Prevention. https://www.cdc.gov/coronavirus/2019-ncov/travelers/international-travel/index.html. Accessed Feb. 4, 2022.
• U.S citizens, U.S. nationals, U.S. lawful permanent residents, and immigrants: Travel to and from the United States. Centers for Disease Control and Prevention. https://www.cdc.gov/coronavirus/2019-ncov/travelers/international-travel-during-covid19.html. Accessed Feb. 4, 2022.
• Non-US. citizen, non-U.S. immigrants: Air travel to the United States. Centers for Disease Control and Prevention. https://www.cdc.gov/coronavirus/2019-ncov/travelers/noncitizens-US-air-travel.html. Accessed Feb. 4, 2022.
• People with certain medical conditions. Centers for Disease Control and Prevention. https://www.cdc.gov/coronavirus/2019-ncov/need-extra-precautions/people-with-medical-conditions.html. Accessed Feb. 4, 2022.
• Stay up to date with your vaccines. Centers for Disease Control and Prevention. https://www.cdc.gov/coronavirus/2019-ncov/vaccines/stay-up-to-date.html. Accessed Feb. 4, 2022.
• Pack smart. Centers for Disease Control and Prevention. https://wwwnc.cdc.gov/travel/page/pack-smart. Accessed Feb. 4, 2022.
• Travel: Frequently asked questions. Centers for Disease Control and Prevention. https://www.cdc.gov/coronavirus/2019-ncov/travelers/faqs.html. Accessed Feb. 7, 2022.
• Coronavirus (COVID-19) information. Transportation Security Administration. https://www.tsa.gov/coronavirus. Accessed Feb. 7, 2022.
• WHO advice for international traffic in relation to the SARS-CoV-2 Omicron variant (B.1.1.529). World Health Organization. https://www.who.int/news-room/articles-detail/who-advice-for-international-traffic-in-relation-to-the-sars-cov-2-omicron-variant. Accessed Feb. 7, 2022.
• VRHP/VRMA Cleaning guidelines for COVID-19. Vacation Rental Management Association. https://www.vrma.org/page/vrhp/vrma-cleaning-guidelines-for-covid-19. Accessed Feb. 7, 2022.
• Safe stay. American Hotel & Lodging Association. https://www.ahla.com/safestay. Accessed Feb. 7, 2022.
• Khatib AN, et al. COVID-19 transmission and the safety of air travel during the pandemic: A scoping review. Current Opinion in Infectious Diseases. 2021; doi:10.1097/QCO.0000000000000771.

Products and Services

• A Book: Endemic - A Post-Pandemic Playbook
• Begin Exploring Women's Health Solutions at Mayo Clinic Store
• A Book: Future Care
• Antibiotics: Are you misusing them?
• COVID-19 and vitamin D
• Convalescent plasma therapy
• Coronavirus disease 2019 (COVID-19)
• COVID-19: How can I protect myself?
• Herd immunity and respiratory illness
• COVID-19 and pets
• COVID-19 and your mental health
• COVID-19 antibody testing
• COVID-19, cold, allergies and the flu
• Long-term effects of COVID-19
• COVID-19 tests
• COVID-19 drugs: Are there any that work?
• COVID-19 in babies and children
• Coronavirus infection by race
• COVID-19 vaccine: Should I reschedule my mammogram?
• COVID-19 vaccines for kids: What you need to know
• COVID-19 vaccines
• COVID-19 variant
• COVID-19 vs. flu: Similarities and differences
• COVID-19: Who's at higher risk of serious symptoms?
• Debunking coronavirus myths
• Different COVID-19 vaccines
• Extracorporeal membrane oxygenation (ECMO)
• Fever: First aid
• Fever treatment: Quick guide to treating a fever
• Fight coronavirus (COVID-19) transmission at home
• Honey: An effective cough remedy?
• How do COVID-19 antibody tests differ from diagnostic tests?
• How to measure your respiratory rate
• How to take your pulse
• How to take your temperature
• How well do face masks protect against COVID-19?
• Is hydroxychloroquine a treatment for COVID-19?
• Loss of smell
• Mayo Clinic Minute: You're washing your hands all wrong
• Mayo Clinic Minute: How dirty are common surfaces?
• Multisystem inflammatory syndrome in children (MIS-C)
• Nausea and vomiting
• Pregnancy and COVID-19
• Safe outdoor activities during the COVID-19 pandemic
• Safety tips for attending school during COVID-19
• Sex and COVID-19
• Shortness of breath
• Thermometers: Understand the options
• Treating COVID-19 at home
• Unusual symptoms of coronavirus
• Vaccine guidance from Mayo Clinic
• Watery eyes

Related Information

• Coronavirus: What is it and how can I protect myself?
• COVID-19 vaccines: Get the facts
• COVID-19 , cold, allergies and the flu: What are the differences?

Your gift holds great power – donate today!

Make your tax-deductible gift and be part of the cutting-edge research and care that's changing medicine.

Top 10 Digital Nomad Travel Insurance Plans (2024)

A re you a digital nomad looking for the best travel insurance at the best price? You’re in the right place. I’ve been a digital nomad for over a year. I know how important travel insurance is.

I also know that, while this isn’t something to skimp on, you also don’t want to overpay. It’s a tricky balance.

I’m a huge over-planner and I’ve thoroughly researched travel insurance. Every year when my policy expires, I re-check the options to make sure I’ve got the best plan.

Don’t have time to read all this and just want the bottom line? My number one favorite travel insurance is SafetyWing . They have comprehensive coverage and consistently high ratings.

I’ve had to use my travel insurance more than once. The last time was when my dad was very sick in the hospital and I had to fly to California, losing out on a lot of pre-paid, nonrefundable flights and accommodations.

I’d like to say that story had a happy ending. While it did have a good ending for my dad (he’s recovered and doing great!), I had the wrong type of plan and lost $3,000. My insurance was essentially worthless for what I needed.

I don’t want anyone to have that same experience. I’ve rounded up the 10 best plans so you can choose the one that’s right for you. Learn from my mistakes so you don’t throw your money away.

Pro tip: Bookmark this site for next year. I update it yearly so it always contains the most up-to-date info.

My Top 3 Picks: Digital Nomad Travel Insurance

#1 TOP PICK

No permanent residency required

Comprehensive coverage

Visitors Coverage 98% satisfaction rating

Wide range of coverage options

AIG Travel Guard Variety of plans

Annual plan options

What is Digital Nomad Travel Insurance?

Digital nomad travel insurance is tailored to meet the unique challenges and risks that come with the nomadic lifestyle.

Unlike regular travel insurance, these specialized plans often offer comprehensive medical coverage. This includes not just emergency care but also routine check-ups, dental services, and even mental health support.

But it’s not just about health. These plans also consider the flexibility digital nomads need. Many offer the option to extend your coverage if you decide to stay longer in a destination or even to buy coverage while you’re already abroad.

Some even cover adventurous activities, from scuba diving to mountain climbing, because let’s face it, a digital nomad’s life is never just 9 to 5.

So, while it might not be as thrilling as booking your next one-way ticket, securing the right travel insurance is a must for any digital nomad. It’s not just another item on your to-do list; it’s peace of mind, and that’s priceless.

What Should I Look For in Digital Nomad Insurance?

Okay, you know digital nomad insurance is a must-have. But with so many options out there, how do you pick the right one?

Here’s a breakdown of what you should be looking for in a digital nomad insurance plan:

Worldwide Coverage

You’re a global citizen, and your insurance should be too. Make sure the plan you choose offers worldwide coverage, so you’re protected no matter where your travels take you.

Pre-Existing Conditions

Got a chronic condition or a recurring medical issue? You’ll want a plan that covers pre-existing conditions, so you’re not left in a lurch when you need medical care.

Emergency Assistance

Look for a plan that offers 24/7 emergency assistance. Whether it’s a medical emergency or legal trouble, you want to know there’s a lifeline you can call anytime, anywhere.

Emergency Medical Insurance

Accidents happen, and when they do, you’ll want robust emergency medical coverage. This should include hospital stays, surgeries, and even medical evacuation if needed.

Emergency Evacuation

Speaking of evacuation, make sure your plan covers the cost of getting you to the nearest medical facility in case of an emergency. Trust me, you don’t want to foot that bill yourself.

Trip Cancellations and Delays

Flights get canceled. Plans change. Look for a policy that will reimburse you for any pre-paid, non-refundable travel expenses if you have to cancel or delay your trip for a covered reason.

Baggage Loss

Losing your luggage is a bummer. Choose a plan that offers coverage for lost, stolen, or damaged baggage to save yourself a headache later.

Equipment Protection

As a digital nomad, your laptop and other gadgets are your lifeline. Some plans offer specialized coverage for electronic equipment, so check if that’s an option.

Reasonable Prices

Budget is a big deal when you’re living the nomad life. Compare prices and make sure you’re getting the most bang for your buck. But remember, the cheapest option isn’t always the best.

Quick Insurance Claim Process

Last but not least, check out reviews to see how quickly and easily you can file a claim. The last thing you want during a crisis is a complicated, drawn-out claims process.

Top 10 Digital Nomad Travel Insurance Plans

Let’s jump into the best travel plans for digital nomads. One of these will surely meet all your needs. Many of them also include health insurance for nomads .

1. SafetyWing Nomad Insurance

Overview of safetywing.

SafetyWing is a remote working company that specializes in providing primary health insurance plans for digital nomads and long-term travelers.

If you’ve ditched your health insurance back home to live the nomad life, this is a company you’ll want to know about.

They’re not just a startup; they’re a subsidiary of Tokio Marine, a global insurance giant. So, you’re in safe hands. Their offerings go beyond just medical coverage, extending to non-medical evacuation, trip interruption, and even baggage claims.

SafetyWing aims to build a country-independent social safety net for freelancers and digital nomads. They’ve even expanded their product line to include a complete worldwide primary health insurance called Remote Health.

Safety Wing Pros & Cons

• No Permanent Residency Required : You can get SafetyWing insurance without being a permanent resident of any country.
• Affordable for Younger Travelers : If you’re under 39, the plans are particularly cost-effective.
• Comprehensive Coverage : Apart from medical benefits, you get coverage for trip interruption, lost luggage, and even the return of minor children and pets.
• Flexible Payment : You have the option to pay monthly, making it easier on your wallet.
• Home Country Coverage : Visiting your home country for up to 30 days? You’re still covered, except if you’re a U.S. citizen.
• Private Healthcare : You can choose private doctors and hospitals, giving you quality options.
• Family-Friendly : One child per adult and two children under 10 per family can also be included free of charge.
• Global Reach : Coverage in over 175 countries, so your wanderlust has almost no limits.
• High-Risk Destinations : Some plans even cover high-risk destinations and activities.
• Activity Limitations : Certain activities like mountain climbing, scuba diving, and ice hockey aren’t covered.
• Coverage Cap : The total coverage maxes out at $250,000.
• License Requirements : You need an international scooter license for coverage in case of scooter or motorbike accidents.
• Exclusions : Pre-existing conditions and mental health disorders are not covered.
• Claims Processing : The time it takes to process claims can be long, sometimes stretching into weeks or months.
• U.S. Limitations : While there is some U.S. coverage, it doesn’t meet the Affordable Care Act requirements.

2. Visitors Coverage

Overview of visitors coverage.

Visitors Coverage is a global travel insurance company with its fingers in many pies. Operating in 176 countries, this company is all about giving you options.

Whether you’re a short-term visitor to the U.S., an international traveler, or even a new immigrant, they’ve got a plan for you. They even offer specialized plans like Europe/Schengen Insurance and Immigrant/Green Card Insurance.

Their website is a breeze to navigate, and getting a quote is as simple as clicking a button and answering a few questions. Plus, they’re big on sustainability, partnering with One Tree Planted to contribute to global reforestation.

Visitors Coverage Pros & Cons

• User-Friendly Website : Navigating through their website is a walk in the park. They’ve got separate tabs for insurance plans, travel resources, and contact details.
• Wide Range of Products : From group insurance to trip cancellation and expat health coverage, they’ve got a smorgasbord of options.
• High Customer Satisfaction : With a 98% satisfaction rating and over a million satisfied customers, they’re doing something right.
• COVID-19 Coverage : Having COVID-19 coverage is always a big plus.
• Excellent Customer Service : If you’ve got questions, their customer service staff has the answers. They’re both helpful and knowledgeable.
• Unclear Claim Processing Time : The website doesn’t provide information on how long it takes to process claims, which could be a concern for some travelers.

If you’re looking for an insurance company that offers a wide range of products and has a solid reputation, Visitors Coverage could be a great fit.

I have personally used Visitors Coverage and found their plans to be great and affordable. I haven’t had to file a claim with them so I can’t speak to their processing, but I’d use them again.

3. AIG Travel Guard

Overview of aig travel guard.

AIG Travel Guard is a global insurance company catering to a diverse clientele, including digital nomads and remote workers.

They offer a range of plans, such as the Pack N’ Go plan for last-minute travelers and an annual travel plan for frequent flyers. They also have three comprehensive packages: Deluxe, Preferred, and Essential.

These plans cover everything from trip interruption and baggage protection to emergency evacuation and repatriation of remains.

AIG Travel Guard Pros & Cons

• Variety of Plans : Whether you’re a digital nomad, a business traveler, or someone who loves spontaneous trips, Travel Guard has a plan tailored for you.
• User-Friendly Website : Navigating through their offerings is a breeze, thanks to their well-designed website.
• Easy Subscription : Getting yourself insured is straightforward and hassle-free.
• COVID-19 Coverage : They’ve adapted to the times by including COVID-19 coverage in their plans.
• Annual Plan Option : For those who travel multiple times a year, the annual plan offers essential coverage for each trip, capped at 90 days per trip.
• Limited Global Availability : Despite being a global insurance company, not all their plans are available worldwide.
• 90-Day Cap on Annual Plan : The annual plan is not ideal for long-term travelers as each trip is limited to 90 days.
• Exclusions : The plans come with a list of exclusions, including acts of war and being under the influence of drugs or alcohol.

Travel Guard clearly focuses on providing a variety of plans to suit different travel needs. They also emphasize customer service and have received high ratings from their user base.

So, if you’re a digital nomad or someone who travels frequently for work or leisure, Travel Guard is worth considering. Just make sure to read the fine print and understand the limitations of each plan.

4. Travelex Insurance Services

Overview of travelex.

Travelex Insurance is a travel insurance provider that caters to a wide range of travelers, including digital nomads and remote workers . They offer various plans to suit different travel needs.

The Basic plan covers essential travel protections, while the Travel Select plan is more comprehensive and customizable. They even have a Flight Insurance plan for those who are primarily concerned with flight-related issues.

Travelex Pros & Cons

• COVID-19 Coverage : Travelex offers coverage for COVID-19-related trip cancellations, interruptions, and emergency medical situations.
• Comprehensive Coverage : From trip cancellations and interruptions to emergency medical and evacuation, Travelex has got you covered.
• 24/7 Assistance : Their travel concierge service is available around the clock to assist you with anything from finding hidden gems to dealing with legal issues.
• High Claim Approval : With a 98% claim approval rate, filing an insurance claim with Travelex is not only easy but also quicker than the industry average.
• Long-Term Coverage : The Travel Select plan covers trips up to 364 days and even offers coverage for pre-existing conditions in certain cases.
• Limited COVID-19 Coverage : While they do offer COVID-19 coverage, it may not be as extensive as some travelers would like.
• Additional Costs : Basic services come with an extra charge unless included in your chosen plan.
• High Cost for Comprehensive Plans : The Travel Select plan, while comprehensive, can be pricey due to its extensive coverage and add-ons.

It’s clear Travelex focuses on providing comprehensive insurance options for all types of travelers. They offer a variety of plans and add-ons, making it a flexible choice for those looking for specific types of coverage.

However, the cost can add up quickly if you opt for their more comprehensive plans with additional features. So, if you’re a digital nomad or frequent traveler, Travelex is worth considering, but make sure to weigh the costs and benefits carefully.

5. IMG Global

Overview of img global.

IMG Global is a one-stop shop for all your travel insurance needs, especially if you’re a digital nomad.

IMG Global offers a range of travel insurance packages designed to meet the diverse needs of digital nomads, expats, and adventurous travelers.

Their packages include Global Medical Insurance, which is a medical-only plan, and iTravelInsured Travel Insurance, tailored for those who are active and adventurous.

They also offer specialized plans like the Global Employer Option and International Marine Medical Insurance.

IMG Global Pros & Cons

• Affordable Renewals : Extending your policy with IMG is generally cheaper compared to other insurers.
• Adventure-Friendly : If you’re into extreme sports or adventurous activities, IMG has you covered, even providing a $10,000 search and rescue team if you get lost.
• High Medical Coverage : With up to $500,000 in emergency medical coverage and $1 million for medical evacuation, you’re in good hands.
• No Extra Fee for Cancellation : Their plans include “cancel for any reason” or “interruption for any reason” coverage without additional costs.
• Excellent Customer Service : Customer service is a strong suit for IMG, making your experience smoother.
• Waiting Period : There’s a waiting time before you can submit a claim for lost baggage or trip cancellation, which can be inconvenient.
• Not Primary Coverage : Their health coverage is secondary, requiring you to have primary coverage in your home country .
• Limited Home Country Return : U.S. citizens can’t return home while the policy is active, and other nationals are restricted to a 14-day visit.
• Out-of-Pocket Medical Expenses : They generally don’t directly bill medical providers, so you’ll have to pay upfront and wait for reimbursement.
• Coverage Based on Trip Cost : The extent of your coverage is determined by your planned trip expenditure.

IMG Global offers a variety of plans that can be tailored to your specific needs, but it’s essential to read the fine print and understand the limitations.

Whether you’re a thrill-seeker or a cautious traveler, IMG has something for everyone, but make sure to weigh the pros and cons carefully.

6. Allianz Global Assistance

Overview of allianz.

Allianz Travel Insurance is a well-established player in the travel insurance game. With a variety of plans tailored to different types of travelers, they’ve got something for everyone.

Whether you’re a digital nomad or a frequent business traveler, Allianz offers packages that can be a good fit for your needs.

However, it’s essential to note that their plans are more suited for those who take multiple short trips rather than extended overseas stays.

Allianz Pros & Cons

• Emergency Evacuation Coverage : The Allianz Travel Easy – Oversea Annual plan offers up to $1 million in emergency evacuation, giving you peace of mind when you’re far from home.
• Baggage and Travel Delay : With up to $5,000 for baggage loss or damage and $2,000 for travel delays, you’re well covered for those unexpected hiccups.
• Pre-Existing Medical Condition Coverage : Unlike some other providers, Allianz offers coverage for pre-existing medical conditions, which can be a lifesaver for many travelers.
• Multi-Trip Policy : If you’re someone who takes multiple trips a year, Allianz’s annual or multi-trip plans can be more cost-effective than buying separate policies for each journey.
• Limited Flexibility : Allianz’s packages are fixed, meaning you can’t customize them to fit your unique needs.
• Pricey Plans : While they offer a range of services, their plans are on the higher end of the price spectrum. This is especially true for older travelers .
• Pre-Trip Purchase Required : You have to buy the insurance before you embark on your trip, which might not be convenient for everyone.
• No COVID-19 Coverage : In the current global situation, the lack of medical emergency coverage related to COVID-19 can be a significant drawback.

Allianz offers robust coverage options but comes with its own set of limitations. Make sure to weigh these pros and cons carefully to decide if Allianz is the right travel insurance provider for you.

7. World Nomads Travel Insurance

Overview of world nomads insurance.

World Nomads is a travel insurance provider that’s been in the game since 2002, specializing in coverage for the adventurous and the daring.

With over two decades of experience, they offer policies tailored to individuals who aren’t just tourists but explorers at heart.

Whether you’re a U.S. citizen or hail from another corner of the globe, World Nomads has got you covered.

World Nomads Pros & Cons

• 24/7 Emergency Support : If you find yourself in a pinch, their multi-lingual team is available around the clock to connect you with the medical services and transportation you need.
• Adventure Activity Coverage : World Nomads doesn’t shy away from the extreme. They offer coverage for over 200 adventure activities, making them a go-to choice for thrill-seekers.
• Flexibility On-The-Go : Plans change, and World Nomads gets that. You can purchase additional coverage or even make a claim online during your trip.
• Community Contributions : When you buy a policy, you also have the option to donate to community development projects. It’s a small way to make a big impact in needy destinations.
• Travel Safety Guidance : They don’t just insure you; they inform you. World Nomads offers up-to-date travel safety tips and destination guides to help you navigate your adventures.
• Country-Specific Policies : The coverage can vary depending on your country of residence, so you’ll need to be extra careful when reviewing your policy.
• No Mention of COVID-19 Coverage : In today’s travel landscape, not having specific COVID-19 coverage could be a deal-breaker for some.
• Adventure Activity Limitations : While they do cover a wide range of activities, make sure your particular brand of adventure is on their list.

World Nomads offers a robust set of features for the modern, adventurous traveler. However, it’s crucial to read the fine print and ensure that their coverage aligns with your specific needs and travel plans.

8. Insured Nomads  

Overview of insured nomads.

Insured Nomads is a travel insurance company that’s by nomads, for nomads. With founders who have lived on five continents, this company gets the unique needs of digital nomads, remote workers, and expats.

They offer a range of plans, including both travel insurance and comprehensive health insurance for those living abroad for extended periods. Whether you’re on a short-term trip or planning to live overseas, Insured Nomads has got you covered.

Insured Nomads Pros & Cons

• Global Network : With access to over a million healthcare providers and 8,000 clinics and hospitals worldwide, you’re never far from quality care.
• Telemedicine Services : Need a quick consult? Their telemedicine services have you covered, offering a modern approach to healthcare.
• Instant Reimbursement : Cash flow is king, especially when you’re abroad. Insured Nomads offers instant reimbursement, so you’re not left hanging.
• 24/7 Crisis Response : Real-time alerts and emergency assistance are available around the clock, making sure you’re always in the know and in good hands.
• Adventure Sport Option : For the adrenaline junkies, there’s an add-on for adventure sports coverage.
• Comprehensive Coverage : Their “Preferred Plus” option offers coverage up to a whopping USD 5,672,125.00.
• COVID-19 Coverage : Having COVID-19 coverage is a big plus.
• Pre-Existing Conditions : If you have any, you might face some coverage restrictions, so read the fine print carefully.
• Minimum Length : The minimum insurance length is one year, which might not suit everyone’s travel plans.
• Price Tag : While they offer comprehensive coverage, their plans are on the pricier side compared to some competitors.
• Extreme Sports Limitation : If you’re into extreme sports, you might find the coverage lacking unless you opt for the adventure sports add-on.

Insured Nomads offers a robust set of features tailored for the modern traveler but comes with a few caveats. Make sure to weigh these pros and cons to see if they’re the right fit for your globetrotting lifestyle

9. AARDY Travel Insurance

Overview of aardy travel insurance.

AARDY Travel Insurance is not your typical insurance provider; it’s a comparison platform that brings multiple insurance options to your fingertips.

It’s designed to save you time, money, and the headache of sifting through countless options. With a 5-star rating on Trustpilot and a host of reputable insurance partners, AARDY aims to make your travel insurance shopping easier.

Pros and Cons of AARDY

• User-Friendly Interface : The platform is designed to be intuitive, making it easy for even first-time users to navigate.
• Wide Range of Options : Whether you need travel medical insurance, trip cancellation coverage, or health insurance, AARDY has got you covered.
• Quality Partners : AARDY collaborates with well-known insurance companies, ensuring that you get reliable and comprehensive plans.
• Tailored Plans : The platform curates plans based on your specific needs, so you’re not paying for coverage you don’t need.
• Time-Saver : No need to scour the internet for options. AARDY brings them all to one place, saving you valuable time.
• Educational Resources : The platform offers informative articles and resources to help you make an informed decision.
• Multiple Contact Options : Unlike some platforms that offer only email support, AARDY provides a direct contact number and live chat, making customer service more accessible.
• Limited Company Choices : While AARDY does offer over 30 plans, these come from a select group of 5 or 6 leading insurance companies, which may limit your options.
• Customer Service Delays : The platform does offer a contact number, but some users have reported delays in getting through to a representative.
• Browser Compatibility Issues : Some users have noted that the website doesn’t function optimally on all internet browsers, particularly Google Chrome.

In summary, AARDY Travel Insurance offers a convenient and efficient way to compare and purchase travel insurance plans. However, be mindful of the limited range of insurance companies and potential customer service delays.

10. Integra Global

Overview of integra global.

Integra Global is a go-to for digital nomads seeking long-term, comprehensive international health insurance.

Unlike typical travel insurance that covers lost luggage or trip cancellations, Integra Global focuses solely on medical coverage. And we’re not just talking about emergency care; they also cover routine health exams, dental services, mental health, and even chronic conditions.

If you’re a digital nomad looking for something more than just emergency medical coverage, Integra Global might be your match.

Integra Global Pros & Cons

• COVID-19 Coverage : They offer coverage for COVID-19, although conditions do apply. So, make sure to read the fine print.
• Flexible Deductibles : Once you’ve paid your yearly deductible, you’re covered 100%. You can choose your deductible, ranging from around $1,000 to as high as $5,000, to fit your budget.
• Freedom to Choose Providers : Integra Global doesn’t tie you down to specific hospitals or doctors. You can get treated by any licensed medical provider.
• Pre-existing Conditions : For an additional cost, you can get coverage for pre-existing conditions. That’s a rarity in the insurance world.
• Comprehensive Medical Coverage : They offer a much higher amount of medical expenses per year compared to standard travel insurance plans.
• No Travel Benefits : If you’re looking for lost luggage or trip cancellation coverage, you’ll need to purchase separate travel insurance.
• Long-Term Commitment : Policies are available only for a year or more, so it’s not ideal for short-term travelers.
• No Direct Billing : You’ll have to pay medical providers upfront and wait for a reimbursement, which can take up to 10 days.
• Cost Considerations : While the coverage is comprehensive, remember that the pricing is for medical insurance only. It’s more like a health plan you’d have at home, including wellness visits and routine check-ups.

So, if you’re a digital nomad planning to be on the road for an extended period and want comprehensive healthcare coverage, Integra Global is worth considering.

Frequently Asked Questions: Digital Nomad Travel Insurance

Do digital nomads need travel insurance.

Yes, it’s highly recommended for digital nomads to have travel insurance. The lifestyle of a digital nomad involves various risks, from health emergencies to trip cancellations and equipment loss. Having specialized insurance ensures you’re covered for these unexpected events.

Do digital nomads need health insurance?

Yes, digital nomads should have health insurance for comprehensive medical coverage while abroad. Regular travel insurance often lacks extensive health benefits, so specialized digital nomad health insurance is advisable for long-term stays .

What Does Digital Nomad Travel Insurance Cover?

Digital Nomad Travel Insurance typically covers emergency medical expenses, trip cancellations, and baggage loss. Some plans also offer coverage for pre-existing conditions, emergency evacuation, and equipment protection.

Will airlines compensate me for lost or delayed luggage?

Airlines may offer compensation for lost or delayed luggage, but the amount and conditions vary by carrier and are often limited.

Is travel insurance worth it for international travel ?

Travel insurance is crucial for international travel. It covers unexpected medical emergencies, trip cancellations, and baggage loss, saving you from hefty out-of-pocket expenses.

What does worldwide coverage mean?

Worldwide coverage means that your insurance policy will cover you no matter where you are in the world .

Does travel insurance cover pre-existing conditions?

This varies by policy. Some digital nomad travel insurance plans do cover pre-existing conditions, but there may be limitations or waiting periods. Always read the fine print and ask questions before purchasing.

What is emergency assistance?

Emergency assistance is a service provided by the insurance company that offers 24/7 support for emergencies. This could be anything from medical emergencies to legal troubles.

How does emergency medical insurance differ from regular health insurance?

Emergency medical insurance specifically covers unforeseen medical emergencies during your travels, such as accidents or sudden illnesses. Regular health insurance may not cover you outside your home country or for travel-related incidents.

What is emergency medical evacuation coverage?

This covers the cost of transporting you to the nearest medical facility in case of a medical emergency.

Final Thoughts: Digital Nomad Travel Insurance

Now that we’ve taken a deep dive into the world of digital nomad travel insurance it’s clear there are a lot of options out there.

After trying a few different travel insurance providers, my top pick is SafetyWing Insurance. They’ve consistently received high ratings and offer a variety of plans that cater to the unique needs of digital nomads like us.

From personal experience, I can tell you that having the right travel insurance is a game-changer. But here’s the kicker—you’ve got to read the fine print. I learned this the hard way.

When I first dipped my toes into the digital nomad lifestyle, I bought an annual policy thinking I was all set. What I didn’t realize was that it only covered trips up to 30 days. So, when I had to file a claim because my dad got sick, it was denied.

Why? Because I was away from home for four months. My one “trip” exceeded the 30-day limit, making my policy pretty much useless for my digital nomad lifestyle.

Yep, this was all in the policy information. It was entirely my own fault.

So, take it from someone who’s been there—make sure you know exactly what you’re getting into before you hit that “purchase” button. Trust me, it’ll save you a lot of headaches down the road.

Related Posts

• How to Find Affordable Digital Nomad Health Insurance
• Countries With Good and Affordable Healthcare
• Pros and Cons of Being a Digital Nomad
• The  Best Cities for Digital Nomads
• Best Digital Nomad Books
• Older Digital Nomads
• Working for a US Company While Living Abroad
• Digital Nomad Equipment & Gear
• Navigating the World of Digital Nomad Housing

The post Top 10 Digital Nomad Travel Insurance Plans (2024) appeared first on Digital Nomad and a Dog .

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

HTH Travel Insurance Review: Is It Worth the Cost?

After spending seven years in the U.S. Air Force as an Arabic linguist, Carissa is now a freelance writer using points and miles to fund a four-year (and counting!) adventure. She previously worked as a reporter for The Points Guy. Her writing has since been featured in numerous publications, including Forbes, Business Insider, and The Balance. When she's not flying, you'll usually find her in a Priority Pass lounge somewhere, sipping tea and cursing slow Wi-Fi.

Megan Lee joined the travel rewards team at NerdWallet with over 12 years of SEO, writing and content development experience, primarily in international education and nonprofit work. She has been published in U.S. News & World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for websites like GoAbroad and Go Overseas. When not traveling, Megan adventures around her Midwest home base where she likes to attend theme parties, ride her bike and cook Asian food.

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What is HTH travel insurance?

What does hth cover, hth policy overview, what’s not covered by an hth plan, how hth compares to its competitors, how much is hth travel insurance, how to buy an hth policy, which hth travel insurance plan is best for me, does hth offer 24/7 travel assistance, how to file a claim with hth travel insurance, is hth travel insurance worth it, hth travel insurance recapped, star rating methodology.

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH travel insurance provides plans for all types of travelers, including those going on a single trip, those looking for an annual policy, ship crew members, missionaries and students.

Combined with the ability to have your health care providers paid directly by your policy, this makes HTH travel insurance a good choice for many.

Why trust NerdWallet?

Our Nerdy editorial team aims to be a starting point in your travel insurance research. We default toward transparency and follow a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers and advertising relationships do not influence our ratings. Learn more about our strict editorial guidelines .

Founded in 1997, HTH travel insurance provides coverage to more than 700,000 customers a year. HTH has policies offering wide range of coverage to many types of travelers, so odds are you’ll find a plan that suits your needs.

HTH’s travel insurance policies are underwritten by Nationwide Mutual Insurance Company. Nationwide Mutual Insurance Company scores a Financial Strength Rating (FSR) of A (excellent) from credit rating firm AM Best.

Many specialized HTH travel insurance medical coverage plans exist, though HTH travel’s insurance coverage still provides limited trip protections.

Generally speaking, here’s what you can expect when you purchase an HTH travel insurance plan:

HTH health insurance coverage : Covers doctor visits, inpatient visits, surgery and more, whether routine or an emergency. 

Medical evacuation : Reimburses costs for when your medical care requires evacuation to another location. 

Trip interruption : Covers costs for nonrefundable expenses as a result of your trip being interrupted. 

Trip delay : Pays for costs incurred as a result of your travel being delayed. 

Lost luggage : Reimburses you for loss, theft or damage to personal effects during a covered trip.

HTH’s policies have a broad array of inclusions. It offers five single-trip plans that fall into two main categories, medical and travel.

It also offers two annual travel insurance plans for specific kinds of travelers.

Some plans focus on medical care, whether or not you have a primary health insurance plan in the U.S. These provide high limits for medical care but limited and fixed benefits for trip protections.

Single Trip Option for Travelers with Primary Health Insurance.

Single Trip Option for Travelers Without Primary Health Insurance.

TripProtector plans, meanwhile, have a lower maximum on health costs and they cover only accidents or illnesses while you’re traveling, not routine care. At the same time, they provide more trip protections, which can be better for those on expensive vacations.

TripProtector Economy.

TripProtector Classic.

TripProtector Preferred.

Here's an overview of HTH's single-trip plan options and what is included.

Long-term travel insurance

HTH also offers long-term travel medical options for those who travel often or who are away for longer than six months.

HTH offers two types of annual plans:

Plans for standard or corporate travelers, called the Xplorer plan.

Plans for maritime crew members, missionaries and students, called the Navigator plan.

Both plans provide only medical coverage and don’t offer other trip protection benefits.

» Learn more: How does annual travel insurance work?

Add-on options

HTH doesn’t provide many options when it comes to add-ons. However, it's most expensive TripProtector Preferred plan allows you to purchase Cancel For Any Reason (CFAR) insurance, which will reimburse you for up to 75% of expenses if you cancel your trip.

Don’t want to shell out for travel insurance? A variety of travel credit cards offer complimentary trip insurance assuming you pay for the trip with your card.

» Learn more: The best travel credit cards right now

The coverage you’ll receive with an HTH plan will depend on which plan you’re purchasing. For example, TripProtector Preferred comes with rental car insurance , though none of the other available options do.

HTH’s medical-focused plans are also missing trip cancellation insurance , which is included on each of the TripProtector policies.

Whether you have pre-existing conditions included on your HTH plan is also going to depend on which plan you choose. TripProtector Economy and a Single Trip plan for those without health insurance do not have this option.

Beyond this, most travel insurance plans have specific exclusions to their coverage, including:

Activities when you’re under the influence of drugs or alcohol.

Extreme sports.

Named storms. 

Participation in athletic events. 

» Learn more: How to find the best travel insurance

On a 5-star scale, NerdWallet rated HTH 4.5 stars. Jump to see our methodology.

A sample trip for a 36-year-old traveler from Indiana to Canada for five days found that the cheapest HTH plan cost $146. If you were to spring for the premium plan, which increases your coverage limits, expect to pay $233.

When looking across multiple providers, the basic plan for the same sample trip ranges in cost from $10-$202. Note that price isn't the only differentiating factor. Coverage is not identical across plans; each company offers various levels of scope, limits and exclusions.

How much does HTH travel insurance cost? To find out the cost of various HTH travel insurance policies, we generated a sample quote for a 28-year-old from Nevada on a three-week vacation to Ireland, with a total trip cost of $4,700.

As you can see, HTH travel insurance costs much more when you add in greater trip protection benefits.

Purchasing an HTH travel insurance policy can be done online. To do so, you’ll first want to generate a quote on HTH’s website .

Before getting a quote, you’ll want to decide if you want more medical benefits or trip protections. Based on this, you can select Single Trip Medical or Trip Cancellation from the drop-down menu on the homepage.

Once you’ve put in all your travel information, HTH will generate quotes for each plan level. You can then select the one that suits your needs and check out with your new policy.

Consider comparison shopping

If you're not 100% sold on purchasing a plan from HTH, you can use a travel insurance aggregator to compare policies across multiple companies at once.

The HTH plan that best suits you will vary based on your needs. For example, if you anticipate having health needs while traveling abroad, you may want to opt for medical-focused plans.

But if you’re planning a more extended trip with many moving parts and want to be reimbursed for things like delayed luggage or missed connections, a TripProtector plan may be more appropriate.

Not everyone has the same needs when traveling, so not everyone should choose the same insurance policy. Here are some things to consider before purchasing a plan.

Look at coverage details

Scour your plan benefits to see what’s covered. If you won't need trip interruption insurance, don’t buy it. Similarly, depending on your health status, you may feel comfortable purchasing a less expensive plan with fewer medical benefits.

Think long term

How often do you travel? If you’re frequently out of the country, you’ll want to weigh the cost of purchasing multiple single-trip plans versus one annual plan. Do the math and see where you’d come out ahead.

Use existing coverage

Many travel credit cards offer travel insurance, though coverage levels will vary. To qualify for this complimentary insurance, you’ll need to pay for your trip using your eligible card. Common card benefits include trip interruption insurance, baggage delay reimbursement and emergency medical insurance.

HTH offers 24/7 travel assistance on its TripProtector plans. The issues with which HTH can help you range from prescription replacements and passport replacements to lost luggage retrieval.

You can contact HTH at 877-865-5979, 610-254-8771 or via email at [email protected] .

One of the best features of HTH travel insurance is its Direct Pay option. This allows your HTH policy to pay your medical costs directly to the provider, eliminating the need for a refund.

If you can't use a provider within HTH’s network and the one you choose won’t accept Direct Pay, it’s possible to submit a claim.

To do so, you’ll need to log in to your HTH account.

From there, you can fill out and submit the paperwork for your claim. This is also true of any trip protection claims you have, such as lost luggage or a trip delay.

Is HTH travel insurance good? You'll rarely find health care plans for travel abroad unless they’re just covering accidents and illnesses.

That’s what makes HTH’s medical policies stand out. The fact that HTH provides long-term policies for expats is another bonus, as many countries require that you provide independent medical coverage.

But its TripProtector plans are somewhat limited in scope compared with those from other insurance companies, plus they lack customization opportunities.

Overall, HTH may be a good option for you if you need to seek health care while traveling and don’t mind missing out on many trip protection benefits. Otherwise, you may want to look elsewhere .

HTH’s trip interruption and trip delay benefits can help reimburse the costs incurred by a flight cancellation.

If you use Direct Pay, you won’t need to file a claim since HTH will pay for your health care visit automatically. Otherwise, the time it takes to receive a refund can depend on a variety of factors, including what you’re claiming and the documentation you submit.

HTH travel insurance is secondary, which means it will pay out after other available insurance benefits.

Yes, HTH plans will cover COVID-19 costs.

HTH offers a few travel insurance plans depending on your needs, including options for single- and multi-trip policies. Before you buy a plan, be sure you’ve understood its coverage and costs, especially compared with other policies.

Travel insurance

NerdWallet's ratings for travel insurance companies take into account the following details about each insurer:

Scope of coverage.

Customizability.

Consumer experience and complaints.

The best travel insurers excel in all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and allow customers to customize plans to meet their coverage preferences. They're also able to keep their customers happy throughout the relationship.

Data collection and review process

NerdWallet collects over a dozen data points for each insurer we analyze from their public-facing websites and third-party analyses. These data points are then compared against one another and against NerdWallet's standards for good travel insurance companies to determine a star rating.

Data is collected on a regular basis and reviewed by our editorial team for consistency and accuracy. Final star ratings are presented on a scale of one to five stars, where a one-star score represents "poor" and a five-star score represents "excellent."

The reviews team

The writers and editors behind NerdWallet's travel insurance reviews are insurance specialists who have had their work featured by or appear in The Associated Press, The Washington Post, The New York Times, the Chicago-Sun Times, U.S. News & World Report and the Society for Advancing Business Editing and Writing. Each writer and editor follows NerdWallet’s strict guidelines for editorial independence .

In addition to travel insurance, the team covers travel rewards programs, airlines and hotels.

Rating specifics

Our star ratings are weighted based on our editorial and professional opinions. We use the following weightings when rating travel insurers:

Scope of coverage (25%).

Customizability (25%).

Consumer experience and complaints (25%).

Cost (25%).

Scope of coverage ratings are based on assessments of a company’s standard protections, including:

Travel medical insurance.

Trip cancellation.

Trip interruption.

Trip delay.

Baggage and personal belongings, lost luggage.

Emergency medical assistance.

Emergency medical evacuation.

Emergency medical repatriation.

Accidental death and dismemberment insurance.

Rental car coverage.

Customizability ratings factor in whether coverage limits are fixed prices or a percentage of the trip cost (the percentage is generally better), whether a policy has customizations available, and the number of bonus features.

24-hour assistance.

Pre-existing medical conditions coverage.

Extreme sport coverage.

CFAR add on availability.

Travel health insurance.

Interruption for Any Reason.

Travel Inconvenience.

Cancel for Work Reasons.

Electronics coverage.

Consumer experience ratings are based on provider reviews on Squaremouth.com. If the company is not in the Squaremouth database, we default to Google reviews.

Affordability ratings are based on the percentage of total trip cost a plan costs a policyholder. Less than 4% is considered excellent, whereas over 9% is considered poor.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.