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Find the Best Travel Insurance & Avoid Costly Surprises

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Explore Travel Insurance Types and Quotes

Standard single trip policies.

Our top plan type that covers cancellations, medical emergencies, delays, and luggage, protecting you from purchase to return.

Annual / Multi Trip Policies

A cost-effective choice for frequent travelers, these plans include medical, delay, and luggage benefits, with optional add-ons for trip cancellation or interruption.

Cruise Insurance Policies

Offers comprehensive protection for land and sea trips, with high medical coverage and weather safeguards.

Adventure & Sports Policies

Adrenaline-seeker? No problem. These plans cover lost or delayed sports equipment, cancellations, and medical emergencies.

Quote, Compare, and Go

Finding the best coverage for your trip is easy. Get personalized quotes from top providers in minutes.

Tell us some basic details about your trip to start your quote and we’ll handle the rest.

See how plans from the best travel insurance companies compete side-by-side.

Choose the perfect policy at the lowest price and travel with peace of mind.

Join More Than 3 Million Protected Travelers

Let’s face it, traveling these days can be expensive. That’s why we make it quick and easy to compare affordable travel insurance policies from the nation’s most trusted providers. Since your trip deserves the best coverage, we make sure that every plan on our site is carefully vetted and backed by real customer reviews.

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What Travel Insurance Benefits Do I Need?

Check out the comprehensive benefits our providers offer and find the perfect policy to meet your travel needs.

What Coverage is the Most Important?

Squaremouth customer reviews.

More than 99% of customers would recommend Squaremouth to others. Read what a few of them had to say about their recent experience buying travel insurance.

Great price

"I looked for alternative travel insurance besides Allianz. I'm glad I searched because I got just what I needed and a very good price!"

Kent from MA 06/20/2024

Easy to Use

"Squaremouth makes shopping for travel insurance easy by allowing a side-by-side comparison of policies and offering endlessly customizable filters."

Stephanie from MI 06/12/2024

10 star customer service

"Beyond best in class service levels. The expertise and information shared was amazing."

Susan from GA 06/03/2024

Great selection, Easy choosing

"It's always good to see all choices when decisions about insurance are concerned. I always go to Squaremouth when I need travel insurance."

Spencer from NV 06/03/2024

"Website was easy to navigate. Numerous options for insurance. Excellent filter opportunities."

Featured Articles

Our topic experts keep a constant pulse on the travel industry so we can provide the most current information and recommendations based on today's traveler needs.

Most Popular Types of Travel Insurance

When it comes to travel insurance, there’s no such thing as a “one-size-fits-all" policy. Discover the different types of travel insurance coverage you should consider for your upcoming trip.

10 Ways to Get Great Coverage For Less

When it comes to travel insurance, more expensive does not necessarily mean better. We uncover 10 proven tactics you can use during your search to lower premiums without sacrificing protection.

Our Travel Insurance Experts are Available

Have questions? We have answers.

What Does Travel Insurance Cover?

Travel insurance is designed to cover out-of-pocket expenses relating to an unforeseen disruption to your trip. The majority of policies sold through Squaremouth are comprehensive and offer coverage for trip cancellations, medical emergencies, significant delays, and mishandled or lost luggage.

How Much Does Travel Insurance Cost?

Comprehensive travel insurance usually costs between 5% to 10% of your insured trip expenses. Factors like your trip cost, age, trip length, and coverage needs can impact pricing . You can lower your premium by comparing plans and choosing policies that don’t include cancellation coverage.

What Should I Look for When Comparing Travel Insurance?

There’s no one-size-fits-all policy when it comes to travel insurance. When comparing plans, you should consider the following:

• Benefits: The situations and expenses that are covered by a travel insurance policy.
• Coverage Limits: The maximum dollar amount that will be reimbursed within each benefit.
• Exclusions: Specific activities, expenses, and scenarios that are not covered in the event of a claim.
• Premium: The cost of the policy for your specific trip.
• Provider Reputation: Based on past customer reviews regarding interactions with assistance services and the claims experience.

Will My Policy Cover Trip Cancellations?

Yes, many comprehensive travel insurance plans cover cancellations for reasons like sudden illness, injury, death of a family member, natural disasters, or unexpected work obligations. Policies with Trip Cancellation benefits usually offer 100% reimbursement for prepaid, non-refundable trip costs.

Where Can I Buy Travel Insurance?

Travelers can purchase travel insurance directly from providers, through a comparison site like Squaremouth, or directly through a travel supplier when booking. Credit cards and travel agents are other sources to consider. Choosing the right travel insurance company can take time. We recommend comparing plans from at least 3-5 providers before buying.

Is Travel Insurance Mandatory for International Travel?

Travel insurance is not typically required when traveling overseas. The majority of travel insurance customers purchase their plans voluntarily for peace of mind and financial protection. With that said, some destinations or organized tours may require proof of international health insurance that lasts for the duration of your trip.

Does Travel Insurance Cover Canceled Flights?

Yes, the majority of travel insurance plans provide reimbursement if your flight is canceled and your travel plans are significantly delayed. You may be eligible for coverage through your policy’s Travel Delay or Trip Cancellation benefit depending on how soon you’re able to be rebooked.

Is Travel Insurance Necessary for International Travel?

Travel insurance acts as a financial safety net as you explore the world. Since most U.S. healthcare plans don’t extend coverage overseas, travel insurance can act as an international health insurance plan that protects you from unexpected medical expenses you may face during a trip. While rare, certain destinations or tour operators may require proof of travel insurance that lasts for the duration of your trip.

Are Pre-Existing Conditions Covered by Travel Insurance?

It depends. Many travel insurance plans exclude coverage for pre-existing conditions, but some offer wavers, if you purchase within 14-21 days of your initial trip deposit. Check your policy details carefully to understand the specifics.

What’s the Difference Between Single-Trip and Annual Travel Insurance?

Single-trip travel insurance covers you for one specific trip and is the most popular choice. Annual Travel Insurance on the other hand, covers multiple trips within a year. If you travel frequently, an annual plan can be more cost-effective and convenient than buying individual policies for each trip.

How Do I File A Travel Insurance Claim?

Each provider will have their own unique claims process. However, most will include the following steps:

• Contact your insurer: Notify them as soon as possible about the incident.
• Gather documentation: Collect relevant documents, such as police reports, medical records, or receipts for expenses incurred.
• Complete the claim form: Fill out the insurer's claim form with accurate details.
• Follow up: Stay in touch with the insurer for updates on your claim status.

View our Claims Center for more information on filing a travel insurance claim.

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

8 Cheapest Travel Insurance Companies Worth the Cost

Trawick International »

World Nomads Travel Insurance »

AXA Assistance USA »

Generali Global Assistance »

Seven Corners »

Allianz Travel Insurance »

IMG Travel Insurance »

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 Cheapest Travel Insurance Companies.

Table of Contents

• Trawick International
• World Nomads Travel Insurance
• AXA Assistance USA

There are plenty of smart ways to save money on your travel plans, but refusing to buy travel insurance isn't necessarily one of them. Not having travel insurance can mean being on the hook for exorbitant medical bills or costs for emergency transportation if you become sick or injured during your trip. You could also face significant financial losses if your trip is delayed or your bags are lost or stolen, and without travel insurance you won't have a third party to rely on for assistance.

Buying affordable travel insurance makes more sense than skipping this coverage altogether, so read on to find out which companies offer the cheapest plans and all the protections you can get for a low cost.

How We Chose the Cheapest Travel Insurance Companies

To determine the cheapest travel insurance companies, U.S. News created sample traveler profiles for three separate eight-day trips to different destinations (the Cayman Islands, Spain and California) at a range of price points ($6,500, $10,500 and $8,500, respectively). We used that information to get quotes for the cheapest option for 100% trip cancellation coverage for each trip. We then calculated the average cost of the trips.

The travel insurance companies that made our ranking have a high credit rating and offer the lowest average cost, outlined below. (Note: The sample average costs are not price quotes from U.S. News. To find a travel insurance price quote, use the "View plans" link to enter your trip details and find more information.)

• Generali Global Assistance
• Seven Corners
• Allianz Travel Insurance
• IMG Travel Insurance
• Trip cancellation coverage (up to $30,000) for 100% of the insured vacation
• Trip interruption coverage (up to $30,000) for 100% of the insured vacation
• Trip delay coverage worth up to $1,000 ($150 per day for delays of 12 hours or more)
• $750 in coverage for lost and damaged luggage; $200 for baggage delays
• Up to $500 in coverage for missed connections of three hours or more
• Up to $50,000 in emergency medical coverage ($750 sublimit for emergency dental)
• Up to $200,000 in coverage for emergency medical evacuation

SEE FULL REVIEW »

• Up to $2,500 of trip protection for cancellation or interruption
• Up to $1,000 in coverage of lost, stolen or damaged baggage; up to $750 for baggage delays on your outward journey
• Up to $100,000 in emergency medical insurance; $750 dental sublimit
• Up to $300,000 in coverage for emergency medical evacuation
• 24-hour travel assistance services
• Up to 100% coverage for trip cancellation and interruption
• Up to $500 in coverage for trip delays ($100 per day)
• Up to $500 in coverage for missed connections
• Up to $25,000 in coverage for emergency medical expenses
• Up to $100,000 in coverage for emergency medical evacuation
• Up to $750 in coverage for baggage and personal effects; $200 for baggage delays
• Up to $10,000 in coverage for accidental death and dismemberment (AD&D)
• Up to $25,000 in coverage for common carrier AD&D
• Coverage up to 100% of the insured vacation for trip cancellation
• Up to 125% of the insured vacation cost for trip interruption
• Travel delay coverage worth up to $1,000 per person ($150 per person daily limit)
• Up to $1,000 per person for lost, damaged or stolen bags; $200 per person for baggage delays
• Up to $500 per person for missed connections
• Up to $50,000 in emergency medical and dental coverage
• Up to $250,000 in coverage for emergency assistance and transportation
• AD&D coverage for air travel worth up to $50,000 per person ($100,000 per plan)
• Trip cancellation coverage up to $30,000
• Trip interruption coverage up to 100% of the cost of the trip
• Trip delay coverage worth up to $600 (for six-hour delays; $200 limit per person per day)
• Lost, stolen or damaged baggage coverage up to $500
• Baggage delay coverage worth up to $500 (for six-hour delays; $100 per day)
• Missed cruise or tour coverage worth up to $500 ($250 per day)
• Emergency accident and sickness medical coverage worth up to $100,000 (secondary coverage)
• Up to $750 in emergency dental coverage
• Up to $250,000 in protection for emergency medical evacuation and repatriation of remains
• Trip cancellation coverage worth up to $10,000 per traveler
• Trip interruption coverage worth up to $10,000 per traveler
• Travel delay coverage worth up to $300 ($150 per day)
• Luggage loss and damage protection up to $500 per traveler
• Baggage delay coverage worth up to $200 per day
• Emergency medical and dental coverage up to $10,000 ($500 for dental expenses)
• Emergency medical transportation coverage worth up to $50,000
• 24-hour hotline assistance
• Up to 100% in coverage for trip cancellation
• Trip interruption benefit worth up to 125% of the trip cost
• Up to $500 for travel delays per person ($125 daily maximum per person)
• Up to $750 for lost, damaged or stolen bags ($250 maximum per item)
• Up to $150 in luggage delay coverage
• Up to $100,000 in emergency medical coverage
• Up to $500,000 in coverage for emergency medical evacuation and repatriation of remains
• Trip cancellation coverage worth up to 100% of trip cost (up to $10,000)
• Trip interruption coverage up to 100% of trip cost
• Up to $500 in coverage for travel delays (five-hour delay required; $100 daily limit)
• Coverage worth up to $1,000 for lost, damaged or stolen baggage ($250 per item)
• Coverage worth up to $200 for baggage delays of 12 hours or more
• Up to $250 in coverage for airline reissue or cancellation fees
• Up to $250 in coverage for reinstatement of frequent traveler awards
• Emergency medical and illness coverage worth up to $10,000
• Up to $500 in coverage for emergency dental expenses
• Up to $250,000 in coverage for emergency medical evacuation and repatriation of remains
• AD&D coverage worth up to $10,000
• Travel assistance services

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.

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International travel insurance is a must-have for every trip abroad, and for more reasons than one.

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Condé Nast Traveler has partnered with CardRatings for our coverage of credit card products. Condé Nast Traveler and CardRatings may receive a commission from card issuers. We don't review or include all companies, or all available products. Moreover, the editorial content on this page was not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are entirely those of Condé Nast Traveler's editorial team.

You’ve purchased your flights and booked your hotel. Now, what about travel insurance? These days, it’s easy to add coverage to your trip, but what's the best travel insurance policy to buy? And is the extra cost always necessary?

When planning a trip, nobody loves imagining worst-case scenarios and everyone has a different risk tolerance. For a weekend road trip , you may be willing to cross your fingers and suck up your losses should something go awry. But what if you’re shelling out for a longer, more complex and more expensive trip? You’ll likely want peace of mind when your risk and financial investment are greater.

When do you need travel insurance?

There’s nothing like bad luck to turn you into an insurance evangelist. For travel writer Katherine Fan, the epiphany came after a thunderstorm disrupted her flight in Chicago . “My bags didn't make it to Italy for more than five days, and my travel insurance covered all the costs for replacement items as well as the alternative transportation I had to rebook because of the delay,” she says. “I'll never live without it now.”

In general, the older you are and the more remote your destination, the more crucial it is to buy travel insurance. Lou Desiderio, a communications executive from Long Island, New York, recalls the time his octogenarian father became ill during a European cruise , and doctors recommended that his parents return home immediately. His parents’ travel insurance covered the lion’s share of the $9,500 they subsequently racked up in medical costs, ground transportation, flights, hotel, and meals. “You always wonder if the cost of insurance is worth it,” says Desiderio. “In this instance, it was absolutely worth it.”

“Not all domestic health and medical insurance plans will follow you outside your home country,” says Justin Tysdal, CEO of Seven Corners , a travel insurance provider. “Something as simple as twisting your ankle in a foreign country may not be covered and could result in expensive medical bills.”

Simply having travel insurance can have side benefits, too. “One of the best hidden perks is the 24/7 global travel assistance provided by the plan,” says Stan Sandberg, CEO of TravelInsurance.com . The hotline can be helpful in dealing with a multitude of unexpected issues, from currency conversion or cash transfers to replacing passports or IDs to finding a local physician.

Where can you find a good policy?

Travel agencies, airlines, cruise lines, and tour operators often offer an optional insurance add-on, but these plans tend to have been run through the company’s legal team and contain more exclusions. Travel rewards credit cards also offer some built-in insurance benefits to their cardholders, like trip cancellation coverage, delayed baggage coverage, and trip interruption and delay coverage. But you’ll often be better served by a plan from a third-party insurer, which tend to offer more holistic plans.

The good news is that it has never been easier to buy exactly the type of travel insurance you need at a reasonable price. Most people buy comprehensive insurance for a single trip, but annual travel insurance plans that cover multiple trips in a one-year period are becoming more popular.

You can find some of the best travel insurance policies by visiting an insurance comparison site like TravelInsurance.com, InsureMyTrip.com or SquareMouth.com . Plug in your trip details and you’ll get instant quotes for multiple insurance plans that you can compare on price, coverage limitations, and other parameters. Be sure to read the policy details, as inclusions can vary from plan to plan but will end up making all the difference to your particular needs.

What’s it going to cost?

The cost of travel insurance depends on a variety of factors, including the price and length of the trip, your age, destination, and any optional add-ons. For your average domestic or international trip with flights and hotels , expect to pay anywhere from 3 to 7 percent of your trip’s cost, depending on inclusions.

So for a $2,000 trip, you might expect a typical comprehensive plan with trip cancellation, interruption, and delay, along with baggage loss and delay, and emergency medical coverage and evacuation to cost in the $100 ballpark. Some upgrades, like a “cancel for any reason” provision, will cost more.

When should you buy travel insurance?

Don’t procrastinate. “Some benefits and coverages are available only if you’ve purchased your policy within a short window, typically seven to 21 days from when you make the first payment towards your trip,” says Sandberg. Buy early and you may qualify for a pre-existing condition waiver or a ‘cancel for any reason’ upgrade.

It’s especially important not to delay buying travel insurance if you’re traveling to, say, the Caribbean during hurricane season. Once a major storm has been named, the window of opportunity slams shut, and you can no longer buy insurance for that hurricane. “If you purchase a policy after a storm is named, trip cancellation and trip interruption are excluded from coverage,” says Sandberg.

What’s not covered?

“Some people believe that a travel insurance plan is designed to give you the flexibility to cancel your trip for any reason whatsoever,” says Sandberg. “But the standard plan is not going to provide cancellation coverage for a change of heart or a relationship break-up or an outbreak of Zika in your destination.” If you need that flexibility, opt for the ‘cancel for any reason’ upgrade.

“As far as medical coverage, people often believe a travel insurance plan will cover preventative services such as immunizations and annual check-ups,” says Tysdal. “But travel insurance is intended to cover illnesses and injuries that originate during a trip, and that’s why it’s relatively inexpensive.” Be careful about overindulging, too. “If you injure yourself as a result of being intoxicated beyond a legal limit, your travel insurance policy will not likely cover you,” says Sandberg. Ditto for drug use.

How easy is it to file a claim?

“Documentation is key,” says Meghan Walch, product manager for InsureMyTrip. If luggage is lost or items are stolen, file a report with the airline or police. You may need to provide original receipts for the stolen items in order to receive reimbursement up to the policy limits.“ Also, be aware that baggage coverage only offers coverage up to a set amount,” says Walch. “So, if you are carrying, say, a fancy $3,000 Nikon or Canon camera , you’ll likely need to buy additional insurance elsewhere or cover it under a homeowner's policy.” Note, also, that many plans specifically exclude computers and electronics.

What about car rental insurance?

It’s often possible to add car rental insurance, also known as the Collision Damage Waiver (CDW), to a comprehensive travel insurance plan, which can save you from a serious headache should you get into an accident while driving. “But the biggest mistake people make when renting a car is to waste money on duplicate coverage,” says Jonathan Weinberg, CEO of AutoSlash , the car rental deal-finding site. “The reality is that if you own your own vehicle and have car insurance, you are likely already covered when renting in the U.S.”

And if you don’t own a car? “Your credit card may also cover you when renting,” says Weinberg. “It's always important to check to be sure, but why pay again for coverage you already have?” Indeed, paying for your rental with the right travel rewards credit card might cover your collision insurance, with some policies covering damage up to the value of the car. Travel outside the U.S. and Canada , though, and it’s a different story. “Most personal auto insurance policies will not cover a claim for damage to a rental outside the U.S. or Canada,” says Weinberg. “Likewise, different credit cards have different exclusions when it comes to covering damage to a rental car in a foreign country.”

Types of travel insurance

Most travelers opt for a comprehensive plan, but you should know what each type of coverage does, so you’ll know if a package truly fits your needs. Here’s a brief rundown of the main types of coverage.

Trip protection

Often known simply as “travel insurance,” this type of comprehensive package is the most common purchase.

Commonly covers: Reimbursement for money spent on your trip due to cancellations, interruptions, and delays; medical expenses if you become sick or injured and, if necessary, emergency medical evacuation and repatriation; and coverage for your belongings if lost, stolen, damaged, or delayed.

How to get it: Compare plans at Square Mouth , Seven Corners , InsureMyTrip.com , and TravelInsurance.com

Trip cancellation

This benefit can reimburse 100 percent of your trip cost—flights, hotels, cruises, and pre-paid activities—if you need to cancel for a covered reason.

Commonly covers: Unforeseen illness or injury; the death of you, a family member, or a traveling companion; terrorism; inclement weather; natural disasters.

Fine print: Some policies also include other covered reasons, such as jury duty or an employment layoff.

Trip interruption

You’ll be reimbursed for your costs if your trip is interrupted for a covered reason. The payout may exceed the total trip cost if you need to incur additional expenses to return home, but some policies limit coverage to a return flight home.

How to get it: Signing up for travel rewards cards like the Chase Sapphire Reserve can automatically give you this coverage for all trips booked on the card.

Learn more about signing up for the Chase Sapphire Reserve here .

Cancel for any reason

This upgrade provides reimbursement for 50 to 75 percent of prepaid and non-refundable trip payments if you cancel a trip for any reason not otherwise covered by your policy.

Watch out: You’ll be required to insure your trip’s entire cost, which will typically increase your premium by roughly 40 percent.

Fine print: Typically available for purchase up to seven to 21 days from the date you make your initial trip deposit. You must cancel the entire trip at least two to three days before your departure date.

Travel delay

If your trip is unexpectedly delayed by a designated amount of time (typically three to 12 hours, depending on the policy), this benefit provides a per-diem dollar amount (typically $150 to $200) that can be used for meals, hotels, and other necessary expenses during the delay.

Commonly covers: Inclement weather and mechanical breakdowns of “common carriers,” meaning public transportation such as planes, trains, or buses.

How to get it: Signing up for travel rewards cards like the Chase Sapphire Reserve can automatically give you this coverage for all trips booked on the card that meet the requirements.

Missed connection

You’ll be reimbursed for additional costs for you to catch up to your trip if you miss your departure due to a common carrier delay of a specified amount of time. It's usually an added feature of larger insurance packages.

Commonly covers: Inclement weather and mechanical breakdowns of common carriers.

Watch out: Some policies only reimburse if you need to catch up to a cruise or tour. Since the wording typically specifies public transportation delays, you would be out of luck if you’re driving and miss your connection because you got caught in traffic.

Baggage and personal items loss

You’ll be covered for lost, stolen, or damaged luggage. Expect limits in both overall coverage and per-item coverage. It's included with many travel rewards credit card benefits.

Watch out: While most policies cover your personal belongings throughout the entire trip, some will only cover luggage while it is checked with an airline or transportation carrier.

Baggage delay

If your luggage is delayed for a specified period of time—typically 12 or 24 hours—this coverage will reimburse you for any clothing, toiletries, and other essential items you need to purchase. Expect a maximum coverage amount per person, as well as a daily limit. It's also included as a cardholder benefit with many travel credit cards.

Emergency medical coverage

This covers the costs to treat a medical emergency, including treatment, hospitalization, and medication. This type of coverage is highly recommended for international trips and cruises.

Watch out: You would pay for medical care out-of-pocket, and then file a claim for reimbursement when you return home. In certain situations, an insurer might pre-authorize payment of medical bills, but it is not guaranteed.

How to get it: Browse medical coverage plans at Seven Corners .

Emergency evacuation coverage

This coverage is for transportation to the nearest medical facility in the event of a medical emergency during your trip. It's usually an add-on to larger medical coverage.

Commonly covers: If the treating physician recommends that you should return home for further medical attention, this benefit can also cover those transportation expenses. In the case of a death, repatriation can transport a traveler’s remains back home. It's usually an add-on to a larger travel insurance policy.

Pre-existing medical conditions waiver

Most policies have built-in exclusions for pre-existing conditions. So if you’ve been seriously ill in the past or need ongoing treatment, consider looking for a plan that offers a pre-existing condition exclusion waiver.

Fine print: You’ll need to purchase the plan within a few weeks from the date you make your initial trip payment.

Hazardous/adventure sports coverage

Are you an adrenaline junkie? Adventure activities such as heli-skiing, off-trail snowboarding, bungee jumping, wakeboarding, Jet Skiing, spelunking, rock climbing, and scuba diving are almost always excluded from coverage in most travel insurance plans.

Fine print: You can buy coverage as an optional upgrade, which is an especially smart bet if you’re planning an adventure trip outside the United States.

Condé Nast Traveler has partnered with CardRatings for our coverage of credit card products. Condé Nast Traveler and CardRatings may receive a commission from card issuers.

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Best Overall Travel Insurance

Best travel insurance runner-up, best travel insurance for cruises, best travel insurance for reputation, best travel insurance for pre-existing conditions, best travel insurance for digital nomads, best travel insurance for affordability, best travel insurance for road trips, best for adventure traveling, get travel insurance quotes, how we reviewed the best travel insurance companies, ultimate guide to choosing the best travel insurance.

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Traveling is an adventure, a leap into the unknown, a story waiting to unfold. But every story needs a safety net, and that's where travel insurance comes in. In this guide to the best travel insurance, we'll embark on a journey to help you better understand travel insurance and uncover the benefits that make it an indispensable companion for any traveler.

Best Travel Insurance Companies of 2024

• Best Overall: Nationwide Travel Insurance
• Runner-Up: AXA Assistance USA
• Best for Cruises: Travel Guard
• Best Reputation:  C&F Travel Insured
• Best for Pre-existing Conditions:   Tin Leg Travel Insurance
• Best for Digital Nomads:   WorldTrips Travel Insurance
• Best Low-Cost Option:   Trawick International Travel Insurance
• Best for Road Trips: Travelex Travel Insurance
• Best for Adventure Sports :  World Nomads Travel Insurance

Best Travel Insurance Companies

The best travel insurance companies offer comprehensive coverage options for a wide range of people and needs. For this guide, we looked at coverage options, customizability, and the best companies for specific situations, such as pre-existing conditions.

Here are Business Insider's picks for the best travel insurance companies in 2024. 

Nationwide Travel Insurance

Nationwide is of the largest players in the travel insurance space, offering nearly endless options for any customer on the travel spectrum, including annual travel insurance plans which can offer frequent travelers the flexibility to "set it and forget it" on their travel insurance coverage.

Nationwide Essential also offers some of the most affordable policies in the market compared to similar plans from competitors, which makes it a great pick for just about anyone. Buyers can discuss bundling options as Nationwide also sells homeowners, auto, pet, and other insurance products. Its travel insurance quoting is just as easy as it has been with other Nationwide insurance products.

Read our Nationwide travel insurance review .

AXA Assistance USA

AXA offers consumers a great option for no-stress travel insurance: low-priced plans, generous coverage limits on key categories including primary insurance on lost luggage, and up to 150% reimbursement for qualifying trip cancellations.

While add-ons are limited and rental car coverage is not included by default on cheaper plans, AXA is a perfect fit for travelers who don't plan to drive (or who already hold a travel credit card with rental car coverage), and don't need any additional bells and whistles.

Read our AXA Assistance USA travel insurance review .

Travel Guard

AIG is well-known insurance provider, and a great fit for travelers who want to ensure that they can get their money back in the event of canceled or interrupted travel plans.

While the company's policies can be pricey compared to its competitors, the high medical and evacuation limits make AIG a solid choice for older travelers who value peace of mind and simplicity over highly customizable plans that may be bolstered with medical upgrades.

Read our AIG Travel Guard travel insurance review .

C&F Travel Insured

While every travel insurance company has negative reviews about its claims process, C&F Travel Insured 's claims process has a consistent stream of positive reviews. One customer wrote that C&F processed a claim within 48 hours. Additionally, C&F regularly responds to customer reviews within one business week, making reviews a consistent way to reach the company.

Additionally, in C&F's fine print, it mentions that any claims that take more than 30 days to pay out will begin to accrue interest at 9% APY.

C&F's reputation isn't the only thing to speak highly of. It offers an array of add-ons uncommon in the travel insurance industry, such as Interruption for Any Reason insurance and CFAR coverage for annual plans. C&F also offers discounts for children on its Protector Edge plan and free coverage on its Protector plan.  

Read our C&F Travel Insured review . 

Tin Leg Travel Insurance

Tin Leg is a great fit for travelers with medical issues in particular. Seven of Tin Leg's eight travel plans include coverage for pre-existing conditions as long as you purchase your policy within 15 days of your initial trip payment.

Thanks to coverage for pre-existing medical conditions as well as for potential COVID-19 infection while traveling, this company offers some of the best financial investment options for travelers who are or will be exposed to higher health risks and issues.

Read our Tin Leg travel insurance review .

WorldTrips Travel Insurance

WorldTrips has affordable premiums, highly customizable add-ons, and generous coverage for core categories of travel insurance. All this makes it a great option for digital nomads, students studying abroad and backpackers.

However, travelers should keep in mind that plans are not particularly flexible, and coverage amounts are limited unless you plan ahead to pay for the areas and amounts that you need.

Read our WorldTrips travel insurance review .

Trawick International Travel Insurance

Trawick offers low premiums across its five plans, most of which offer coverage for pre-existing conditions. You'll find robust medical travel insurance that can help higher-risk and anxious travelers find peace of mind while on the road. This company also offers high medical evacuation coverage limits, up to $1,000,000.

Read our Trawick travel insurance review .

Travelex Travel Insurance

Travelex offers three plans:

• Travel Basic
• Travel Select
• Travel America

The Travelex America plan is meant for trips limited to the U.S., but it has the highest coverage limits in many areas compared to its other programs. If you're flying somewhere, the lost baggage limits are higher. Its natural strengths shine for road trippers, though. Travelex America adds coverage for roadside service and rental car coverage for unexpected accidents. It also covers pets should you be involved in an accident while on the road.

While your standard auto insurance does extend to car rentals within the U.S. for a limited time, any accident would affect future rates. Travelex would eliminate the risk of reporting to your auto insurance provider for minor incidents within its purview.

Read our Travelex Travel Insurance review .

World Nomads Travel Insurance

World Nomads distinguishes itself from others by covering over 300 sports and activities, from skydiving to golf. Additionally, its one of the few travel insurance companies that allow you to purchase after departing for your destination. However, you'll have a 72-hour waiting period before coverage kicks in.

That said, World Nomads doesn't have the highest coverage limits compared to its competitors on this list, travel medical insurance capping out at $100,000. It also isn't the most flexible provider, only providing two plans to choose from with no options for pre-existing condition coverage. Yet, World Nomads still stands out for its sports coverage and post-departure coverage.

Read our World Nomads travel insurance review .

Introduction to Travel Insurance

Why travel insurance is a must-have.

The unpredictable nature of traveling – from flight cancellations to medical emergencies – can turn your dream vacation into a nightmare. Travel insurance acts as a personal safeguard, ensuring that unexpected events don't drain your wallet or ruin your trip.

Understanding Different Types of Travel Insurance

Not all travel insurance policies are created equal. From single-trip travel insurance policies to annual travel insurance plans , from minimal coverage to comprehensive protection, understanding the spectrum of options is your first step in finding the right fit for your journey.

Key Features to Look for in Travel Insurance Coverage

Travel insurance for medical emergencies.

Imagine falling ill in a foreign country; daunting, right? A robust travel insurance plan ensures you don't have to worry about how much emergency medical care while traveling will cost, even in the most remote corners of the globe. This coverage will often come in tandem with emergency medical evacuation coverage.

Trip Cancellation and Interruption Benefits

Life is full of surprises, some less pleasant than others. Trip cancellation and interruption coverage ensures that you're not left out of pocket if unforeseen circumstances force you to cancel or cut your trip short. You may also look for cancel for any reason and interruption for any reason options, which will reimburse you for a percentage of your nonrefundable fees, but expands the covered reasons you can cancel a trip. You can find our guide on the best CFAR travel insurance companies here.

Coverage for Personal Belongings and Baggage Loss

Losing your belongings is more than an inconvenience; it's losing a piece of your world. Insurance that covers personal belongings and baggage loss ensures that you're compensated for your loss, helping you to rebound and continue your adventure.

Support and Assistance Services

In times of trouble, having a lifeline can make all the difference. Look for insurance that offers 24/7 support and assistance services, giving you peace of mind that help is just a phone call away. Also, check websites that field customer reviews like Trustpilot, the Better Business Bureau, and InsureMyTrip , to see how well a company responds to customer requests.

Choosing the Best Travel Insurance

Reputation and reliability of the travel insurance provider.

A provider's reputation is not just about being well-known; it's about reliability, customer satisfaction, and the ability to deliver on promises. Researching and choosing a reputable provider is a cornerstone in ensuring your safety and satisfaction.

Understanding the Policy's Fine Print

The devil is in the details, and understanding the fine print of what your travel insurance policy covers is crucial. Be aware of coverage limits, exclusions, and the process for filing a claim to avoid any unpleasant surprises.

For example, to get coverage for a canceled trip due to work, many travel insurance companies require that you've been with that company for at least a year. 

Customer Reviews and Feedback

In the age of information, customer reviews and feedback are goldmines of insight. Learn from the experiences of others to gauge the reliability and customer service of the insurance provider you're considering. While the ratings are important, you should also look at whether or not a company responds to customer complaints.

How to Get the Most Out of Your Travel Insurance

Knowing your policy inside out.

Familiarize yourself with every aspect of your policy — what it covers, what it doesn't, how to file a claim, and who to contact in an emergency. Being informed means being prepared. At the very least, you should have the terms readily available while you're on your trip.

Steps to Take When a Problem Arises

If you face an issue during your travels, knowing the immediate steps to take can make all the difference. Your insurance company may even have a 24/7 assistance hotline that can walk you through an emergency during your trip, even issues that don't involve claims. 

When a problem arises. you'll want to document as much as possible, in case you need proof when filing a claim. Ask for receipts and invoices when possible.

How to Pick the Best Travel Insurance Company for You

There isn't a one-size-fits-all policy that works perfectly for every traveler. Young, healthy solo travelers can opt for much cheaper plans that offer bare-bones coverage, while families juggling complex itineraries will do best by investing in a robust policy that can help defray any costs associated with lost baggage, delayed transportation or other trip-impeding obstacles.

That being said, you can't go wrong with a travel insurance provider that boasts a reputable history and offers a wide range of customizable plans. In some cases, you may be comparing plans that are only a few dollars' apart from each other. In such situations, you should generally opt for the insurance company that offers the strongest customer service. It's also worth considering whether or not the travel insurance provider has been reviewed by other travelers with similar itineraries to your own. 

An insurance aggregator like InsureMyTrip or Squaremouth is one of the best tools for searching travel insurance policies. Once you input the specifics of your travel itinerary, you'll be able to see hundreds of search results to compare the ones that catch your eye. If the options are too overwhelming, use the filters to the left of your search page to eliminate as many irrelevant plans as possible.

To come up with our list of the best travel insurance companies, Business Insider evaluated each insurer based on the following factors:

Guide Methodology: What We Considered

Policy Types

Travel insurance is essential, but often underused partly because people aren't getting what they want. Business Insider's 2023 travel study showed 10.65% of travelers surveyed bought cancel for any reason insurance. Cost may be a factor, but in many cases, the coverage is more affordable than you might think. Regardless, companies must offer a diverse range of coverage options. We award five stars to companies offering all standard coverages and additional options like pet and sports equipment protection.

Our 2023 travel study indicated the majority of purchases were made through the travel provider (ex: flight protection insurance when you're purchasing your airline tickets). While these may be sufficient for some customers, we look for companies offering a more comprehensive range of services.

According to the U.S. Travel Insurance Association, the average cost of travel insurance will be between 4% and 8% of total travel expenses. Anything beyond that price point should include additional benefits beyond the standard inclusions, such as CFAR protection or upgraded medical coverage. Anything below that 4% threshold may leave you lacking important or sufficient coverage in an emergency.

Convenience and Flexibility

Whether you're an infrequent traveler or a suitcase warrior, a good travel insurance company should have you covered. In many cases, you might not even have to talk to a person in order to purchase your policy.

Many people think of travel insurance in context with specific trips, but most of these top contenders sell both single-trip and multi-trip policies, also known as annual travel insurance. Some companies also offer plans specifically designed for cruisers, students abroad, and business travelers. (Read our guide to the best cruise travel insurance companies for more details.) Finally, all of these providers offer multiple options for getting the specific areas and amounts of coverage that you want.

Claims Handling

Most travelers never have a large claim. Premiums are low, and it provides peace of mind for the just in case situations. So they leave reviews based on their reduced stress levels. But what happens if you lose your luggage or have to stay a few extra days due to an unexpected accident? Will your insurance carrier cover your claim without all the hassle? We check real customer reviews to sort this out for you.

Ease of Use and Support

When purchasing, during your trip, and throughout the claims process, you may need extra support. Does the company have a 24/7 help line? Does it have an online or mobile system allowing you to self-manage? Essentially, what are the options when you need help? We look at the big picture to evaluate the average customer experience with each company.

You can read more about how Business Insider rates travel insurance for even more details. And see our guide to the best travel insurance in California if you're traveling to that state, specifically.

Best Travel Insurance FAQs

There isn't one best travel insurance company; there are many great providers on the travel insurance market today. Our overall winner was Nationwide for its breadth of coverage options. AIG Travel Guard, AXA, Berkshire Hathaway, Tin Leg, WorldTrips and Trawick also made the cut. The best pick for you will depend on what features you value the most, like a low premium or high coverage limits.

While coverage varies by policy, common exclusions often include pre-existing medical conditions (unless you have purchased a waiver), accidents caused by high-risk activities if not specifically covered (e.g., skydiving, scuba diving), travel for medical procedures, and events known before purchasing the policy (e.g., traveling during a pandemic). Always read your policy carefully to understand the exclusions.

The average cost of travel insurance is 4% to 8% of your total trip cost, so it could vary widely depending on where you're traveling and the length of your trip. Your age, the number of people in your group, and other factors can also influence how much you'll pay.

Yes, travel insurance typically offers some coverage of canceled flights, but if this benefit is important to you, make sure you read the fine print of your policy to make sure it offers adequate reimbursement. If you think you may need to cancel your travel plans, you should consider purchasing cancel for any reason (CFAR) travel insurance .

The right amount of travel insurance depends on your trip, but $100,000 should be sufficient for most travel plans. You may want more coverage for travel medical insurance and emergency medical evacuation coverage.

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The best travel insurance policies and providers

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

• You purchase the plan within 15 days of your initial trip payment.
• The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
• You must be medically able to travel when you purchase your plan.

Standout features

• The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
• You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
• Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

• You purchased the policy within 14 days of the date of the first trip payment or deposit.
• You were a U.S. resident when you purchased the policy.
• You were medically able to travel when you purchased the policy.
• On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
• Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
• Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
• For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

• You must be medically able to travel at the time you pay the policy premium.
• You pay the policy premium within 14 days of making the first covered trip deposit.
• Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
• Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
• American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

• GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
• GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

• Some annual multi-trip plans are modestly priced.
• iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

• You purchase the plan within 15 days of the initial trip payment.
• The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
• All insured individuals are medically able to travel when they pay the plan cost.
• The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
• Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
• Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
• For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

• You buy this plan within 20 days of making your initial trip payment or deposit.
• You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
• You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
• Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
• You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
• Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

• World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
• World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

• Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
• Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
• Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
• Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
• Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
• Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
• Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
• Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

Ukraine; Belarus; Moldova; North Korea; Russia; Israel

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Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

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At Allianz, we continue to show our commitment to sports through our sponsorship with the International Olympic Committee and the International Paralympic Committee. Read More >>

Entry Requirements & COVID-19 Travel Resources 

Confused about entry requirements for your destination? Our  interactive map shows current travel rules and restrictions for each destination, including info on COVID-19 testing, necessary travel documents and quarantine periods.

Find out how our  Epidemic Coverage Endorsement can protect your next trip from certain losses related to COVID-19.

Why do I need travel insurance?

Because sometimes..., you have to cancel a trip last-minute..

Travel insurance can reimburse you for your prepaid, non-refundable trip costs — including vacation rentals, car rentals, hotels and flights — if you have to cancel for a covered reason.

Travel delays leave you stranded.

Travel insurance can reimburse you for eligible meals, accommodation and transportation expenses during a covered delay.

You get sick or hurt when you're far from home.

Travel insurance can reimburse you for care following a covered medical emergency while traveling. We can even arrange and pay for a medical evacuation if needed.

Fender-benders are unavoidable.

Renting a car means taking on a big financial risk; even a tiny scrape can cost you hundreds. Low-priced rental car insurance lets you drive worry-free.

You need help in a hurry.

Whether you're planning a week-long road trip or a weekend getaway, you never know what might happen. Travel insurance gives you access to our 24-Hour Assistance hotline for expert, personalized support in a crisis.

Why go with Allianz Travel Insurance?

As a world leader in travel protection, we help more than 70 million people answer the call of adventure with confidence every year.

We're Protecting You

From protection for trip cancellation to medical bills abroad, our benefits are designed to help you explore reassured.

We're There For You

We've got your back with award-winning 24/7 assistance and a worldwide network of prescreened hospitals to help you get the right care.

We're Built For You

From our Allyz ® TravelSmart app to proactive SmartBenefits, we innovate for the way you travel today - and tomorrow.

TRAVEL RESOURCES

How Travel Insurance Works

How the Cancel Anytime Upgrade Works

What Does Rental Car Insurance Cover?

Is It Too Late to Buy Travel Insurance?

The Comprehensive Guide to Annual Travel Insurance

The Top Travel Apps That You Need This Summer

Travel Insurance with Emergency Medical Benefits

Destination Guide: Croatia

Travel Insurance & COVID-19: The Epidemic Coverage Endorsement Explained

More Travel Resources »

LATEST COVERAGE ALERTS

The events listed below are considered "known and foreseeable" for travel insurance purposes on the date listed next to the event. Please consult your policy for more information.

More Coverage Alerts »

Take your adventures further with the Allyz® TravelSmart app, and get features like real-time safety alerts, trip organizer, hospital finder, and more.

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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1300 327 984

• Travel Insurance
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• Annual Multi Trip
• Existing Medical Conditions
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• Existing Policies

INTERNATIONAL

Looking for cover for costs related to covid-19 we now offer limited travel cover for australia, new zealand and other international destinations travel insurance coronavirus, we’re working on making travel insurance simpler. we’re upgrading our website to make your experience with us better. in the meantime you can get in touch with our customer service team by email - live chat - call 1300 327 984.

ANNUAL MULTI-TRIP

Why Easy Travel Insurance ?

Medical experts just a call away 24/7

Experienced doctors, nurses and case manager available 24/7 to help you, including medical evacuations to first world care where required+

Speak with an Australian based GP

We can connect you with our Travel GP^ phone service for clear, calm advice, guidance with medicine or a medical referral if this is the best way to help.

Cover for accompanying kids*

Under 21 years of age.

21 days cooling-off period**

If you have not made a claim or departed on your journey.

Quick online claims

Don’t wait until you’re home. Our hassle-free process means you can make your claim right away and might even receive your money before you get home+

Hospital bill paid direct

In some cases, we will pay hospitals directly for your medical expenses, so you are not out of pocket.+

Terms and conditions: ^Travel GP services do not form part of your travel insurance policy. It is offered to customers at Cover-More’s cost and at our sole discretion. Your circumstances including age, location, medical condition or issue, proximity to appropriate medical care and medical history will be considered. +Subject to approval by Cover-More at Cover-More’s sole discretion. *Accompanied children includes your children or grandchildren, identified on the certificate of insurance and travelling with you, provided they are not in full time employment, they are financially dependent on you and are under 21 years of age. **Money back guarantee applies if you cancel your policy within 21 days, have not made a claim or departed on your journey. Cover is subject to conditions, exclusions, limits and sub-limits of the policy. Read the Combined FSG/PDS available to ensure you understand the conditions, exclusions, limits and sub-limits that apply and check that the insurance meets your specific needs and financial situation before deciding to buy. Any advice provided is general advice only. Insurance administered by Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 and issued by the insurer, Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507.

Travel Blog

Important advice for Easy Travel Insurance policyholders.

Get Active In NZ

10 Sporting activities that should be on your New Zealand bucket list, all covered automatically with your Easy Travel Insurance travel cover.

Social Media Travel Safety

Social Media Travel Safety | Tips to keep you and your family and friends online presence, devices and homes secure while travelling.

NZ Travel Destination

New Zealand has been Australia's favourite destination for so long it's hard to remember a time we haven't embraced our favourite neighbours.

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Limits, sub-limits, conditions and exclusions apply. Easy Travel Insurance is administered by eReliance Pty Ltd (ABN 48 147 939 277), an Authorised Representative (AR 1267985), of Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) on behalf of the product issuer, Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Any advice is general advice only. Please consider your financial situation, needs and objectives and read the Combined Financial Services Guide, Product Disclosure Statement and the Target Market Determination before deciding to buy this insurance. For more information on the Target Market and Target Market Determination for these products, contact Cover-More on 1300 72 88 22

Travel Insurance

Travel insurance, schengen visa travel insurance, europe and worldwide single trip and multi-trip insurance policies..

We know we’ve succeeded when our customers consistently choose us. This highlights their confidence in our abilities to meet, or exceed, their expectations on price, service, and claims settlement.

Our products are specially made to respond to the individual needs of our clients. Meanwhile, our services are highly personalized, friendly, and above all reliable. Lastly, we aim to always be close at hand for all our customers.

 What is Travel Insurance?

Travel  insurance is  a  type  of insurance that covers the costs and  losses  associated with traveling. It is a plan you purchase that protects you from certain financial risks that can occur while traveling, such as a delayed suitcase, a trip cancellation, or a medical emergency overseas. Helps travelers deal with various contingencies that can occur during their trips.

The Significance of Travel Insurance

This insurance is significant because it offers travelers peace of mind and financial protection. It ensures that they are not burdened with exorbitant costs in case of unexpected incidents such as medical emergencies, trip cancellations, lost luggage, or other unforeseen events during their travels.

Benefits of Comprehensive Coverage

Comprehensive coverage is more than just protection; it’s your ticket to peace of mind. It goes beyond addressing health risks and travel disruptions; it empowers you to immerse yourself in the Honduran experience fully.

Continents:

The European continent is located completely in the northern hemisphere and mainly in the eastern hemisphere. Europe borders onto the Arctic Ocean in the North, the Atlantic Ocean in the west and the Mediterranean Sea in the South. There are 50 countries in Europe with a total of more than 748 million people living on the continent in 2021.

There are 49 countries in Asia according to the UN. The 10 biggest countries are listed in the right column of this page. Two of the Asian countries, Russia and Turkey, also share part of their territory on the European continent. Additionally there are two countries that only have limited international recognition: State of Palestine and Republic of China/Taiwan and some dependencies. Asia is the most populous continent with more than 4.7 billion people living there. (2022)

There are 54 countries in Africa – and 9 dependent territories. More than 1.3 billion people live on the African continent. This means about 15% of the world’s total population live in Africa! Even though Nigeria is only a third of the size of Algeria, it is the most populous country in Africa, with more than 219 million people.

NORTH AMERICA

Oceania is in a continental group consisting of 14 countries and includes Pacific islands and Australia. Often Australia is named as a continent, but this means that the many islands and countries except Australia would then be not included. Oceania in fact is mostly ocean and spans a vast area as you can see below.

Our travel blog

Top Destinations Requiring Travel Insurance

by SoEasy Travel | Aug 30, 2024 | Travel Insurance

Traveling is one of the most rewarding experiences, but it also comes with uncertainties that can disrupt your plans. This is why travel insurance has become an essential aspect of any trip, especially for certain destinations. In this article, we explore why travel...

The Importance of Comprehensive Travel Insurance for Adventurers

by SoEasy Travel | Aug 15, 2024 | Travel Insurance

For adventurers and thrill-seekers, travel isn’t just about relaxation—it's about diving into new experiences, pushing boundaries, and embracing the unknown. Whether you’re hiking in remote mountains, diving in exotic oceans, or trekking through dense jungles,...

Top Vacation Tips for an Unforgettable Getaway

by soeastrv | Jul 30, 2024 | Travel Insurance

Planning a vacation is always exciting, but ensuring it’s truly unforgettable requires some careful preparation. From selecting the perfect destination to packing efficiently, each step plays a vital role in creating a seamless and enjoyable experience. Here are the...

MULTI-TRIP TRAVEL INSURANCE

Annual multi-trip travel insurance could cover you for an entire year. However, there is a limit to the number of days you could travel consecutively, which is usually 15 to 92 days.

GROUP TRAVEL INSURANCE

Obtain travel quotes for groups. We can search the market-place for the quotes that match your firm’s needs.

By definition, travel insurance offers cover for accidents or mishaps when you’re abroad, usually for a short period of time. Most travel insurances, include medical cover. Additionally, some offer cover for lost baggage or flight cancellations.

We offer travel insurance to citizens around the world. You can get instant online travel insurance quotes and receive your travel health insurance policy confirmation via email.

Whether it’s a beach holiday with the family, a business trip, or a training trip away, at SoEasy international travel Insurance, you can buy the best single trip travel medical insurance and multi-trip travel medical insurance online.

ALL COUNTRIES

1. countries of europe, 2. countries of asia, 3. countries of africa, 4. countries of north america, 5. countries of south america, 6. countries of australia and oceania.

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Best Long-Term Travel Insurance

Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.

Table of Contents

Factors we considered in long-term travel insurance

An overview of the best long-term travel insurance, top long-term travel insurance for u.s. citizens, long-term travel insurance coverage recapped.

If you take multiple trips a year, you may want to consider purchasing long-term travel insurance for emergencies. This is especially true if you go abroad for extended stays, as travel insurance typically covers you even when your U.S. medical insurance may not. 

Because the considerations and coverage for long-term plans differ from shorter, single-trip policies, NerdWallet has researched the best long-term travel insurance plans for U.S. citizens.

Here's our list of the best long-term travel insurance providers:

Allianz Global Assistance.

Travel Guard.

USI Affinity Travel Insurance Services.

» Learn more: The best travel insurance companies

We made the following considerations when selecting the best long-term travel insurance companies:

Coverage . We looked at the types of coverage offered and the amount of coverage you could purchase. 

Cost . Affordability is essential, as the best coverage worldwide won't matter if the policy is too expensive. 

Ease of purchase . Being able to quickly and easily find quotes and sign up for coverage is a crucial factor in choosing the right policy.

Customization . The more options you have to tailor a plan specifically for your needs, the better.

Note: We excluded companies that require you to list the length, locations or dates of your trips to purchase a policy. We recognize that most travelers likely don't know these details for all the trips they'll take a year in advance. 

» Learn more: What to know before buying travel insurance

To compare prices and coverage levels, we looked at quotes for a one-year policy for a 35-year-old traveler based in California. If a company offered more than one tier of travel insurance, we went with their entry-level option. 

On average, the price of a policy offered by the listed companies was about $171. 

» Learn more: Does travel insurance cover award flights?

Let's take a closer look at our five recommendations for long-term travel insurance.

Allianz Global Assistance

What makes Allianz Global Assistance great:

Easy-to-use website.

Affordable coverage.

Different options for different budgets.

For our test, Allianz Global Assistance's basic coverage cost $138, about 19% lower than average.

Travel Guard by AIG

What makes Travel Guard great:

Includes dental coverage.

Offers security and emergency evacuation coverage .

Missed connection coverage of up to $500.

For our test, Travel Guard's basic coverage cost $259, about 51% above average.

USI Affinity Travel Insurance Services

What makes USI Affinity Travel Insurance Services great:

Budget-friendly option.

Includes emergency medical evaluation. 

For our test, USI Affinity Travel Insurance Services' basic coverage cost $100, almost 42% below average.

What makes GeoBlue great:

Certain prescription drugs are covered.

Covers medically necessary COVID-19 testing and treatment .

Allowed to take unlimited trips outside of the U.S. for a maximum of 70 days abroad per trip.

For our test, GeoBlue's basic coverage cost $125, about 27% below average.

What makes Heymondo great:

Offers a one-month refund policy, provided the trip has not started and no claims were made.

Easy to add coverage for electronics, cruises or adventure sports.

It has an app to file claims and chat with a doctor 24/7.

For our test, Heymondo's basic coverage cost $232, about 36% above average.

» Learn more: Does my Chase credit card have health insurance?

Most travel insurance companies offer annual plans as a cost-effective way for you to insure multiple trips in one year. Annual plans typically cover medical emergencies and basic benefits. Depending on the provider, some benefits such as baggage delay and trip cancellation are not always covered in annual plans. There are, at times, maximum trip durations per policy.

You can purchase an annual plan that covers multiple trips in one year (with restrictions on trip duration) or a specific long-term travel insurance plan if your trip is longer than three months. Annual plans are on a 12-month rolling basis. Long-term policies can last up to two years, depending on the travel insurance company.

Yes. If you're considering backpacking or taking a gap year, travel insurance companies have options for long-stay travel insurance. Policies vary by providers, but they'll typically include emergency medial treatment, legal protection and travel document replacements.

Yes, several travel insurance providers offer annual plans. Annual plans are a cost-effective way to insure more than one trip during the year. Depending on the plan, long-term trips may be excluded from coverage.

Before purchasing long-term travel insurance, you should think about the type of coverage you want, your budget and if you have any pre-existing medical conditions you wish to be covered.

Having the right plan may provide you with peace of mind and save you serious cash in the event of an emergency.

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: Wells Fargo Autograph℠ 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℠.