most reliable travel insurance for claims

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9 Best Travel Insurance Companies of 2024

According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

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

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

Travel insurance can help you protect the financial investment you made in your vacation when unexpected issues arise. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.

• Travelex Insurance Services: Best Overall
• Allianz Travel Insurance: Best for Trip Interruptions
• HTH Travel Insurance: Best for Groups
• Tin Leg: Best Cost
• AIG Travel Guard: Best for Families
• Nationwide Insurance: Best for Last-Minute Travel Insurance
• Seven Corners: Best for 24/7 Support When Traveling
• Generali Global Assistance: Best for Medical Emergencies
• Berkshire Hathaway Travel Protection: Best for Specialized Coverage

Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Medical and trip cancellation maximum are not as high as some other companies

• 100% of the insured trip cost for trip cancellation; 150% for trip interruption
• Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
• $750 in missed connection coverage
• $50,000 in emergency medical and dental coverage
• Up to $500,000 in emergency medical evacuation and repatriation coverage

SEE FULL REVIEW »

Annual and multitrip policies are available

Distinguishing between the company's 10 travel insurance plans can be challenging

• Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
• $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
• Up to $1,600 for travel delays
• Emergency medical coverage of up to $75,000
• Epidemic coverage

Generous coverage at the mid- and high-tier levels, and great group discounts

Preexisting conditions coverage is only available at mid- and high-tier plans

• 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
• Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
• Up to $2,000 in coverage for trip delays; $1,000 for missed connections
• $500,000 in coverage per person for sickness and accidents

Variety of plans to choose from, including two budget-friendly policies and several more premium options

More limited coverage for baggage issues than other companies

• 100% trip cancellation protection; 150% trip interruption
• $500 per person for lost, stolen or damaged baggage and personal items
• Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
• $100,000 per person in emergency medical coverage, including issues related to COVID-19

Travel insurance policy coverage is tailored to your specific trip

Information about policy coverage inclusions is not readily available without first obtaining a quote

• Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
• Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
• Up to $1,000 in missed connection and trip delay coverage
• $100,000 in emergency medical coverage

Variety of plans to choose from and coverage available up to a day before you leave on your trip

Limited trip cancellation coverage even at the highest tier

• Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
• $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
• Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
• $150,000 for emergency medical and dental issues

Customer service available 24/7 via text, Whatsapp, email and phone

Cancel for any reason coverage costs extra

• 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost 
• Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
• Trip delay and missed connection coverage worth up to $1,500
• Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)

Generous emergency medical and emergency evacuation coverage

Coverage for those with preexisting conditions is only available on the Premium plan

• 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
• $2,000 in coverage for loss of baggage per person
• $1,000 per person in travel delay and missed connection coverage
• $250,000 in medical and dental coverage per person

In addition to single-trip plans, company offers specific road trip, adventure travel, flight and cruise insurance coverage

Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan

• Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
• $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
• Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
• Medical coverage worth up to $50,000

To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong June 2024 trip to Spain for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.

Travel Insurance Types: Which One Is Right for You?

There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:

COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .

Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.

Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .

International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.

Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .

Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.

Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.

Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.

Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.

You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .

Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.

Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.

Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .

Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express . 

Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.

Frequently Asked Questions

The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.

Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.

However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.

Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or Travelex, but you can also shop and compare policies with a travel insurance platform. Popular options include:

• TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
• InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.

Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .

When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.

Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.

Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.

If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.

Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.

Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.

The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.

You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.

Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.

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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Travel insurance

Best travel insurance companies of August 2024

Amy Fontinelle

Heidi Gollub

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

Updated 1:56 p.m. UTC Aug. 7, 2024

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

WorldTrips is the best travel insurance company of 2024 , based on our in-depth analysis of travel insurance policies. Its Atlas Journey Elevate plan gets the top score in our rating because of the extensive coverage it provides for the price. It offers best-in-class emergency medical and evacuation benefits, as well as high limits for baggage insurance.

Best travel insurance of 2024

• WorldTrips : Best travel insurance.
• Travel Insured International : Best for emergency evacuation.
• TravelSafe : Best for missed connections.
• Aegis : Cheapest travel insurance.
• PrimeCover : Best for trip interruption coverage.
• Travelex : Best for families.
• AIG : Best for add-on coverage options.
• Nationwide : Best for cruise itinerary changes.

Why trust our travel insurance experts

Our travel insurance experts evaluate hundreds of insurance products and analyze thousands of data points to help you find the best trip insurance for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,918 coverage details evaluated.
• 588 rates reviewed.
• 5 levels of fact-checking.

Best travel insurance companies

Best travel insurance.

Top travel insurance plans

Average cost, medical limit per person, why it’s the best.

If you’re looking for the best travel insurance for international travel , WorldTrips’ Atlas Journey Elevate plan gives you $250,000 in travel medical insurance with primary coverage. This plan is a good option if health insurance for international travel is a priority. It also has $1 million in emergency evacuation coverage. 

See our full WorldTrips travel insurance review .

Pros and cons

• $250,000 in primary medical coverage.
• $1 million per person in medical evacuation coverage.
• Primary damage or loss baggage coverage of $500 per item, up to $2,500.
• 5 optional upgrades, including pet care, adventure sports and rental car damage and theft.
• No non-medical evacuation coverage.

Customer reviews

WorldTrips has a rating of 4.27 stars out of 5 on Squaremouth, based on 428 reviews of policies purchased through the travel insurance comparison site since 2008. 

Heidi’s expert take:   “WorldTrips offers primary coverage for emergency medical benefits and for baggage damage or loss. This means the travel insurance company will pay your claim first and then seek recovery from any responsible third party. Plans with secondary coverage may be cheaper, but for the amount of hassle you can save when filing a claim, I recommend looking for a plan with primary coverage.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for emergency evacuation

Travel insured international.

Top travel insurance plan

If you’re traveling to a remote area, consider Travel Insured International’s Worldwide Trip Protector. It has the best travel insurance for emergency evacuation of travel insurance policies in our rating. This top travel insurance plan provides up to $1 million in emergency evacuation coverage per person and $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits.

• Only plan in our rating that offers $150,000 in non-medical evacuation coverage.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person is only available for cruises and tours.

Travel Insured International has a rating of 4.39 stars out of 5 on Squaremouth, based on 3,402 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “The Worldwide Trip Protector plan provides rare non-medical evacuation benefits of up to $150,000. If you’re traveling to an area at risk of a political, security or national disaster, this emergency evacuation coverage could help get you back to safety.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for missed connections

TravelSafe offers good travel insurance for missed connections , with $2,500 in missed connection coverage for each person on the plan.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• No “interruption for any reason” coverage option.
• Weak baggage delay coverage of $250 per person after 12 hours.

TravelSafe has a rating of 4.3 stars out of 5 on Squaremouth, based on 1,506 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “If you want missed connections coverage for any trip, I recommend buying a plan like TravelSafe Classic. It offers up to $2,500 in missed connection coverage and doesn’t restrict this benefit to cruises and tours like many policies do.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Cheapest travel insurance

Go Ready Choice by Aegis has the most affordable travel insurance of the best-rated travel insurance companies in our rating. This is based on the average cost of seven international trips of varying lengths and values for travelers of different ages.

See our full Aegis travel insurance review .

• Cheapest of our best trip insurance plans.
• Pet care benefit of $500 under travel delay benefits.
• Low emergency medical and evacuation limits.
• Low missed connection benefit of $500 per person for cruises and tours only.
• Low baggage and personal items loss benefit of $500 per person.

Aegis has a rating of 4.06 stars out of 5 on Squaremouth, based on 1,111 reviews of policies purchased on the travel insurance comparison site since 2013.

Heidi’s expert take:   “If you’re looking for a  budget travel insurance policy , Go Ready Choice may fit the bill. It has comparably low coverage limits, but if you have health insurance that will cover you on your trip, its $50,000 in secondary medical coverage may be sufficient.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best for trip interruption coverage

Why it’s the best

If you need to cut your trip short and head home early for a covered reason, PrimeCover Luxe has the best trip interruption coverage of all our top-rated plans. This top-tier travel insurance plan offers trip interruption coverage of up to 200% of your trip cost. You also have the option to add a rare “interruption for any reason” (IFAR) coverage upgrade for even more flexibility with your travel plans.

• Trip interruption coverage of up to 200% of total trip cost.
• Excellent $1 million emergency medical evacuation and $100,000 in non-medical evacuation coverage.
• Pre-existing medical condition waiver available if you buy travel insurance within 21 days of first trip deposit.
• Good primary medical coverage of $250,000.
• Luxe plan is the most expensive of our best-rated travel insurance plans.

There are no reviews online for PrimeCover yet as it is a relatively new product offering.

Heidi’s expert take: “PrimeCover Luxe is on the high end of cost in our rating, but it does offer robust coverage for the price. If you’re concerned about the money you’d lose if you had to end your trip early, it offers an “interruption for any reason” (IFAR) coverage option, which I don’t see very often. With IFAR, you can pull the plug on your trip for any reason and seek up to 60% reimbursement for any prepaid, nonrefundable travel expenses you’ll lose.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for families

Top-scoring plan

Travelex Insurance Services has the best travel insurance for families because you can add kids aged 17 and younger to your Travel Select plan at no additional charge.

See our full Travelex travel insurance review .

• Free coverage for children 17 and under on the same policy.
• Robust travel delay coverage of $2,000 per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Low emergency medical coverage of $50,000 per person.
• Non-medical evacuation is not included.
• Low baggage delay coverage of $200 requires a 12-hour delay.

Travelex has a rating of 4.43 stars out of 5 on Squaremouth, based on 2,048 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “If you’re traveling with kids, I recommend looking for a plan that will cover them for free, like Travelex. The number of children you can add to a Travelex policy is unlimited and they’ll get travel protection at no additional cost.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for add-on coverage options

Travel Guard Preferred from AIG allows you to customize your policy with a host of available upgrades, making it the best traveler insurance for add-on options . These include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings.

There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million. This is a good option if you’re looking for foreign travel health insurance.

See our full AIG travel insurance review .

• Bundle upgrades allow you to customize your travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Heidi’s expert take: “You can add riders to your AIG travel insurance policy to maximize your coverage. Choose from these bundles: adventure sports, medical, pet, quarantine, security and wedding. You may also want to add “cancel for any reason” coverage and rental vehicle damage coverage.”  Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for cruise itinerary changes

Nationwide’s Choice Cruise is good travel insurance for cruises . It has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion.

Choice Cruise also has a missed connections benefit of $1,500 per person after only a 3-hour delay when you’re taking a cruise or tour. But note that this coverage is secondary coverage to any compensation provided by a common carrier.

See our full Nationwide travel insurance review .

• Benefits for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Missed connection coverage of $1,500 per person for tours and cruises, after a 3-hour delay.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” upgrade available.

Nationwide has a rating of 4.02 stars out of 5 on Squaremouth, based on 570 reviews of policies purchased on the travel insurance comparison site since 2018.

  Heidi’s expert take: “Nationwide Choice Cruise has protections for cruisers when it comes to prepaid expenses. But its emergency medical coverage is secondary, which means you’d have to file medical claims with your health insurance first. Since your health insurance won’t help you at sea, I recommend cruisers look for cruise travel insurance with primary medical coverage instead.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Compare the best travel insurance plans

Via Compare Coverage’s website

Heidi’s expert take: “Here are my tips on how to buy travel insurance that gets you the most coverage for the lowest price: Buy early . Getting travel insurance within two weeks of making your first trip deposit may qualify you for coverage of pre-existing medical conditions, and it won’t cost you any extra.  Look for primary emergency medical coverage . If you buy a plan with secondary coverage, you’ll have to file a claim with your health insurance first, even if you know it will be denied.  Don’t overinsure . Calculate the value of only your prepaid, nonrefundable trip expenses that are not already covered by other insurance (like credit card travel insurance or health insurance, if your coverage extends to where you are traveling). Even if this value is $0, you can still buy travel insurance for the travel medical insurance benefits, and you’ll only be paying for the insurance you need.  Understand exclusions . If you are planning to go scuba diving, for instance, make sure this adventure activity is not excluded from a policy’s coverage. If so, you may need to pay for a rider or shop for another plan that offers the coverage you need.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

What is the best travel insurance?

The best travel insurance for international travel is sold by WorldTrips, according to our in-depth trip insurance comparison.

The best travel insurance plan for you will depend on the trip you are planning and the coverage areas that are most important to you.

• Best cruise travel insurance
• Best COVID travel insurance
• Best “cancel for any reason” travel insurance
• Best senior travel insurance

Best travel insurance for cruises

The best cruise travel insurance is Atlas Journey Preferred sold by WorldTrips . This plan offers solid travel insurance for cruises for a low rate.

Best travel insurance for COVID-19

The best COVID travel insurance is the Trip Protection Basic plan sold by Seven Corners . It is a relatively low cost travel insurance plan with optional “cancel for any reason” coverage that reimburses up to 75% of your prepaid, nonrefundable trip expenses.

Best travel insurance for “cancel for any reason” 

The best “cancel for any reason” (CFAR) travel insurance is Seven Corners’ Trip Protection Basic. Adding CFAR coverage to a RoundTrip Basic plan only increases the cost by about 40%, which is lower than other plans we analyzed. For the extra cost, you get coverage of 75% of your prepaid, nonrefundable trip expenses, as long as you cancel at least 48 hours before your scheduled departure.

Best travel insurance for seniors

The best senior travel insurance is the Gold plan sold by Tin Leg . It is an affordable travel insurance plan with travel medical primary coverage of $500,000 and a pre-existing conditions waiver if you insure the full amount of your trip within 14 days of your first trip deposit.

How much is travel insurance?

The average cost of travel insurance is 5% to 6% of your prepaid, nonrefundable trip costs . 

How much you pay for travel insurance will depend on:

• The cost of your trip.
• Your destination.
• The length of your trip. 
• The ages of travelers being insured.
• Your state of residence.
• The travel insurance policy you choose.
• The total coverage amounts in your policy.
• Any travel insurance add-ons you select. 

Here are average travel insurance rates for a 30-year-old female who is insuring a 14-day trip to Mexico.

Looking to save? Discover cheap travel insurance options.

How much travel insurance should I buy?

Travel insurance companies typically offer several plans with varying maximum limits. The higher the coverage limits, the more you’ll pay for travel insurance. 

Squaremouth, a travel insurance comparison site, recommends the following coverage limits for international travel: 

• Emergency medical coverage: At least $50,000. 
• Medical evacuation coverage: At least $100,000. 

If you’re going on a cruise, or to a remote location, Squaremouth recommends: 

• Emergency medical coverage: At least $100,000. 
• Medical evacuation coverage: At least $250,000.

When evaluating travel insurance plans, our team of insurance analysts considered the best medical travel insurance policies to have at least $250,000 in emergency medical coverage and at least $500,000 in medical evacuation coverage. 

When should I buy travel insurance?

The best time to buy travel insurance is within two weeks of making your first nonrefundable travel payment, whether it’s for a plane ticket, hotel stay, cruise or excursion. 

Travel insurance costs the same whether you buy it early or last minute, and buying it early has added benefits: 

• You may be able to add on “ cancel for any reason” (CFAR) coverage , an upgrade that is typically only available for a limited time after you’ve started paying for your trip. 
• You may qualify for a pre-existing medical condition exclusion waiver , meaning your pre-existing conditions will be covered by travel insurance. This waiver is generally added to your policy automatically, provided you buy the travel insurance within a certain window after your first trip deposit.
• You will be covered over a longer period of time for unforeseen events that could cause you to cancel your trip, such as medical emergencies, inclement weather and natural disasters. 

Expert tip: You can buy travel insurance up to the day before you leave on your trip, but waiting may cost you the opportunity to qualify for a pre-existing conditions exclusion waiver or to buy a “cancel for any reason” upgrade.

Where can I buy travel insurance?

You can buy a travel insurance plan:

• Online. Visit a travel insurance company’s website to buy a policy directly or use a comparison website like Squaremouth or Travelinsurance.com to see your options and compare plans. You may also be able to purchase travel insurance online through an airline, cruise, hotel, rental car company or other provider you book a ticket with.
• In person. A travel agent or insurance agent may be able to assist you in buying travel insurance.

Travel insurance trends in 2024

Americans are changing the way they travel and this includes buying travel insurance when they might have skipped it in the past. As spending on trips continues to rise, travelers have more to lose if their plans are disrupted. 

Based on travel insurance quote requests on the Squaremouth website last month, these are the main benefits travelers are looking for in a travel insurance policy.

*Source: Squaremouth.com. Travel insurance quote filter usage from June 22 to July 22, 2024.

Methodology

Our insurance experts reviewed 1,918 coverage details and 588 rates to determine the best travel insurance of 2024. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

• $3,000, 8-day trip to Mexico for two travelers age 30.
• $3,000, 8-day trip to Mexico for two travelers age 70.
• $6,000, 17-day trip to Italy for two travelers age 40.
• $6,000, 17-day trip to Italy for two travelers age 65.
• $15,000, 17-day trip to Italy for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to France for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to the U.K. for four travelers ages 40, 40, 10 and 7.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

If you’d like to dig in deeper, head over to our travel insurance ratings methodology page.

Best travel insurance FAQs

According to our analysis, WorldTrips has the best trip insurance. Two of its plans — Atlas Journey Explore and Atlas Journey Elevate — get 5 stars in our rating.

The best travel insurance policy for you will depend on what type of coverage you need. With so many different policies and carriers, the policy that was best for your friend’s trip to California might not be ideal for your trip to Japan. If you’re looking for the best travel insurance for international travel, you may be willing to pay more for higher coverage levels.

A comprehensive travel insurance plan bundles several types of travel insurance coverage, each with its own limits. To ensure you have adequate financial protection for your trip, your travel insurance policy should include the following travel insurance coverages:

• Trip cancellation . With trip cancellation insurance , you’re covered if you need to call off your trip because of a reason listed in your policy, such as unexpected illness, injury or death of you, a family member or a travel companion, severe weather, jury duty and your travel supplier going out of business. 
• Travel delay. Once your trip has started, travel delay insurance reimburses you for unexpected expenses you incur after a minimum delay, such as five hours. It can cover needs like airport meals, transportation and even overnight accommodation. 
• Trip interruption. If you need to cut your trip early for a reason listed in your policy, trip interruption insurance can reimburse you for any prepaid, nonrefundable payments you’ll lose by leaving early. It can also pay for a last-minute one-way ticket home. 
• Travel medical . Emergency medical benefits are especially important if you need international health insurance for travel outside of the country. Your domestic health insurance may provide limited coverage once you leave the U.S. The best travel medical insurance pays for ambulance service, doctor visits, hospital stays, X-rays, lab work and prescription medication you may require while traveling. 
• Emergency medical evacuation. If you’re traveling to a remote area, or planning excursions such as boating to an island, emergency medical evacuation coverage is a good idea. This coverage pays to transport you to the nearest adequate medical facility if you are injured or sick while traveling. 
• Baggage delay. After a certain waiting period, such as six or 12 hours, this coverage will reimburse you for necessities you need to buy to tide you over while you wait for your bag to arrive. Be sure to save your receipts and look at your coverage limit, as some caps are low, like $200. 
• Baggage loss. Baggage insurance can reimburse you if your bag never arrives, or if your personal belongings are stolen during your travels. Coverage limits apply here, as well as exclusions for certain items such as electronics.  

“Typically, travelers are expected to pay their expenses out of pocket, and then file a claim for reimbursement,” said James Clark, spokesperson for Squaremouth. “However, there are medical situations in which a provider may be required to pre-authorize payment to make sure the policyholder receives the treatment they need.”

According to Clark, “Providers can pre-authorize payment for medical care and emergency evacuations. With that said, every circumstance is unique, and providers will handle each situation on a case-by-case basis.”

Travel insurance covers your prepaid, nonrefundable trip costs — as well as extra money you may need to spend due to unforeseen circumstances and emergencies — both before and during your trip.

Travel insurance coverage varies by plan, but in general travel insurance covers costs associated with these problems: 

• Bankruptcy of a travel insurance company, such as your airline or tour operator. 
• Dangerous weather conditions.
• Delayed and lost luggage.
• Illness or death in your family that requires you to stay home or cut your trip short.
• Illness that needs medical attention.
• Injury requiring medical evacuation.
• Jury duty. 
• Travel delays and missed connections.
• Theft of your personal belongings while traveling.
• Unexpected job loss. 

Travel insurance policies often exclude or limit “foreseeable” losses. Typical travel insurance exclusions include:

• Accidents or injuries caused by drinking or drug use.
• Canceling your trip because you changed your mind.
• Ending your trip early because you changed your mind.
• Losses caused by intentional self harm, including suicide.
• Losses due to war, civil disorder or riots.
• Medical tourism.
• Medical treatment for pre-existing conditions.
• Mental health care.
• Natural disasters that begin before you buy travel insurance.
• Non-medical evacuation.
• Normal pregnancy. 
• Medical treatment related to high-risk activities.
• Routine medical care, such as physicals or dental care.
• Search and rescue.

Your U.S. health insurance may provide little or no coverage in foreign countries. Check with your health insurance company to see if you have any global benefits and ask how they work. If your health care does extend across the border, the benefits it provides abroad may not be the same benefits it provides domestically. 

Medicare usually won’t pay for health care outside of the United States and its territories, so older travelers planning an international trip should look into the best senior travel insurance with robust medical benefits. 

Some credit cards , such as the Chase Sapphire Preferred® Card , offer benefits such as trip cancellation and interruption insurance, baggage delay insurance and trip delay reimbursement when you use your card to pay for your trip.

Ask your credit card issuer for your card’s benefits guide to see what coverage you may have. Keep in mind that it may not cover all the risks you want to protect against, such as the cost of international health care or emergency medical evacuation .

Business travel insurance makes sense if you are self-employed and paying for your own travel expenses, or if you are traveling internationally and want medical coverage abroad.

You might also consider buying travel insurance for a business trip if your company won’t cover extra expenses if your flight is delayed or you need to head home early.

Some travel insurance plans cover rental cars as an optional upgrade, for an additional cost. The 5-star rated travel insurance companies in our rating offer these optional rental car benefits:

• Travel Insured International — Rental car damage and theft coverage of $50,000.
• WorldTrips — Rental car damage and theft coverage of $50,000 with a $250 deductible. 

Travel insurance typically only covers a single trip, although your insured trip can have multiple destinations. 

If you’re looking to insure several trips in the same year, annual travel insurance may be a good option for you.

Editor’s note: While our parent company has an interest in PrimeCover, this review was subjected to our team’s standard, rigorous editorial process, which remains independent of any influence from insurance companies, business relationships, affiliates or any other external parties.

Editor’s Note: This article contains updated information from previously published stories:

• Spirit Airlines scrubs 60% of its Wednesday flights, says cancellations will drop ‘in the days to come.’
• 'Just a parade of incompetency': Spirit Airlines passengers with 'nightmare' stories want more than apology, $50 vouchers
• ‘This is not our proudest moment’: Spirit Airlines CEO says more flight cancellations expected this weekend
• Hurricane Irma: Flight cancellations top 12,500; even more expected
• Is an annual travel insurance policy right for you?
• How 2020 and COVID-19 changed travel forever – and what that means for you
• COVID-19 or delta variant have you ready to scrap your trip? Here’s how to cancel like a pro
• Sunday: Snow is over, but flight cancellations top 12,000
• After nearly 13,000 Harvey cancellations, Irma is new threat to airline flights
• What’s the difference between travel insurance and trip ‘protection’?
• How to choose the right travel insurance for your next vacation
• Travel insurance can save the day
• Angry passengers brawl after Spirit cancels flights
• What to do when travel insurance doesn’t work
• How lockdowns, quarantines and COVID-19 testing will change summer travel in 2021
• Travelers will pay and worry more on summer vacation this year. But they won’t cancel
• How to find a hotel with COVID testing and quarantine facilities wherever you travel
• Yearning to travel in 2022? First, figure out your budget – then pick a destination
• Pro tips for surviving a long flight during a pandemic: Get the right mask, bring a pillow
• Want to steer clear of contracting COVID-19 on your next vacation? Follow these guidelines
• Post-pandemic travel: Is it OK to ask another passenger’s vaccine status or request they mask up?
• These days, forgetting these important travel items could cost you thousands of dollars
• International travel hacks: When to book flights and hotels, how to deal with COVID-19 rules
• Traveling post-coronavirus: How do you book your next trip when so much remains uncertain?
• The COVID-19 guide to holiday travel – and the case for why you shouldn’t go this year
• Should you travel during the holidays? Americans struggle with their decision
• ‘There’s still pent-up demand’: What you should know about fall travel
• Planning for life after coronavirus: When will we know it’s safe to travel again?
• ‘Busiest camping season’: Travelers choose outdoor recreation close to home amid COVID-19 pandemic
• Considering a camping trip this summer? Tips to make sure your gear is good to go
• RVing for the first time? 8 tips for newbies I wish I’d known during my first trip
• Five myths about travel agents
• Should I buy travel insurance?
• Is travel insurance stacked against you?
• Five myths about travel insurance and terrorism
• These eight things could get your travel insurance claims rejected
• There’s a good chance that your credit card already gives you some kind of travel insurance coverage
• How to avoid a hotel cancellation penalty
• Change fees and travel insurance continue to rise

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

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

Amy Fontinelle has more than 15 years of experience helping people make informed decisions about their money, whether they’re refinancing a mortgage, buying insurance or choosing a credit card. As a freelance writer trained in journalism and specializing in personal finance, Amy digs into the details to explain the products and strategies that can help (or hurt) people seeking greater financial security and wealth. Her work has been published by Forbes Advisor, Capital One, MassMutual, Investopedia and many other outlets.

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

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Best Travel Insurance Companies for August 2024

Travel insurance is an important product to consider when booking a trip, especially if it's a pricy one or you believe there's a chance it could be canceled. If you're like the 40% of people who told Nationwide Travel Insurance they plan to travel more in 2024 than in 2023, then travel insurance could be key to making those plans a reality. And if you don't have travel insurance through your credit card, then it's important to get a policy from a travel insurance company.

According to our research, Travelex is the best travel insurance company because its comprehensive coverage comes relatively cheap. We chose the best travel insurers in our list based on an analysis of 31 travel insurance companies across several areas that are most important to travelers, including options available for your coverage, claim and policy limits, what the policy does and doesn't cover, and typical policy costs. We took time to research insurance coverage limits and what the policies covered and rank companies accordingly.

• Best Overall: Travelex
• Runner-Up, Best Overall: Allianz Travel Insurance
• Best Value: InsureMyTrip
• Most Comprehensive Coverage: World Nomads
• Best for Older Adults: HTH Travel Insurance
• Best for Cruises: Nationwide
• Best for Medical Coverage: GeoBlue
• Our Top Picks

Allianz Travel Insurance

InsureMyTrip

World Nomads

HTH Travel Insurance

• See More (4)

The Best Travel Insurance Company: Travelex

• Compare Providers
• What Is Travel Insurance?

Is Travel Insurance Necessary?

What does travel insurance cover.

• How Much Does Travel Insurance Cost?
• What Happens When You Cancel a Trip?

How to Get Travel Insurance in 6 Easy Steps

Best overall : travelex.

• Number of Policy Types: 3
• Coverage Limit: Up to 100% up to $50,000 for cancellations
• Starting Price: $24

Travelex is the best overall travel insurance company because it offers coverage (up to 150% for interruptions) for you or your family members at a competitive price—and kids are included at no extra charge. A relatively low price for the high levels of coverage made it our top choice. Look for the Travel Select plan for the best coverage.

Competitive pricing for comprehensive coverage

Multiple plan options with customizable features

Children younger than 21 covered at no extra cost

Mixed pre-existing medical condition coverage depending on the policy purchase date

No annual plan available

Basic coverage plan features minimal coverage

Travelex Insurance Services is a well-known travel insurance provider based in Omaha, Nebraska. Founded in 1996, Travelex offers several insurance packages depending on the coverage you need for your trip. Policies are underwritten by Berkshire Hathaway Specialty Insurance, which earns an A++ rating from AM Best and AA+ from Standard & Poor’s, which means the company has good financial strength.  Coverage is available to customers worldwide.

There are three plans: Travel Basic (the budget-friendly option), Travel Select (good for families), Travel America (coverage for travel in the U.S.).

The Travel Select plan starts at about $36 (that is a one-time payment for your whole trip). It includes trip cancellation insurance, trip interruption, and emergency medical and evacuation, but there also are several ways to customize and upgrade coverage. It also includes protection for kids 17 and under.

Travel is covered up to $50,000 for cancellations. You can receive up to 150% of the trip cost, up to $75,000, for trip interruptions. Emergency medical limits are $50,000, and emergency evacuation coverage is good for up to $500,000.

In addition, Travel Select has a 15-day pre-existing medical condition exclusion waiver. If you purchase your policy within 15 days of paying for your trip and insure the full cost of the trip, your pre-existing injury or illness is likely covered.

Runner-Up , Best Overall : Allianz Travel Insurance

• Number of Policy Types: 10
• Coverage Limit: Varies depending on annual or single-trip plan
• Starting Price: $138

Allianz is the runner-up best overall travel insurance company because it offers coverage for frequent travelers with a low cost per trip. Get the best coverage from the AllTrips Executive Plan. Individual trip coverage is also available.

Annual- or single-trip plans are available

Many policy types fit varying needs

Cover yourself and your household all year even if you’re not traveling together

Does not cover extended travel periods

Some annual plans have per-trip limits while others have annual limits

Limit for emergency medical transportation coverage is only $250,000

Allianz Travel is a subsidiary of Allianz, which traces its history back to 1890 in Germany. Travel policies are underwritten by insurers with AM Best ratings of A to A+ and are available only to legal U.S. residents.

Travelers who want to hit the road many times per year should consider annual travel insurance rather than individual per-trip policies. Allianz Travel offers four different annual plans with varying benefit levels. We particularly like its AllTrips Executive Plan, which has the highest limits and coverage.

The AllTrips Executive Plan provides tiered limits starting at $5,000 for trip cancellation insurance or interruption coverage. It also offers $50,000 for emergency medical and $250,000 for emergency transportation per insured per trip. There is a lengthy list of exclusions, including extreme sports, so make sure to read the fine print before jumping into adventure activities.

Quotes for a single traveler, a couple, and a family of four had a price point of $500 per traveler per year. If you pay for comprehensive coverage at $120 per person per trip and are going to travel at least five times per year, you will break even with this plan. If you’re looking for lower costs, the AllTrips Basic, Premier, and Prime options are also available from Allianz.

Best Value : InsureMyTrip

• Number of Policy Types: Multiple options from over 20 providers
• Coverage Limit: Varies
• Starting Price: $25 to $100

InsureMyTrip is the best valued travel insurance company because it allows you to compare policies from more than 20 different travel insurance providers with one form so you know you’re getting a good deal for the coverage you need. You can find low-cost trip coverage or customize a plan to meet your needs so you don’t overpay for coverage you won’t use.

Search for quotes from multiple reputable insurers

Shop around with one application for multiple trip types

View multiple plans from eligible insurers for your planned trip

Many popular insurers are not included in listings

Initial listing pages don’t show policy limits

Includes some policies with low coverage limits

Founded in 2000, InsureMyTrip is a travel insurance comparison website that searches more than 20 insurers using one intake form. It offers an easy-to-use sign-up tool to compare multiple policies based on your specific needs quickly. Filters can pick policies that cover adventure sports, higher limits, increased medical coverage, and more.

A quote for a family of four taking a 14-day trip that costs $4,000 and includes plane and hotel expenses resulted in three suggested plans with costs of around $100 to around $400 for varying levels of travel protection. Basic features included luggage coverage, travel delay, and medical care. Note that rates will differ based on where customers are originating from and where they are vacationing, as well as other variables.

The insurers you'll find while using InsureMyTrip have earned a variety of industry ratings and are generally considered reputable and financially stable. Still, as with policies bought directly from insurers, it’s a good idea to read the policy details before clicking the buy button. Each underlying insurer has different claims processes, exclusions, and limits. InsureMyTrip makes it easier, however, to be an informed travel insurance buyer.

Most Comprehensive Coverage : World Nomads

• Number of Policy Types: 2
• Coverage Limit: Up to $10,000 for trip cancellation
• Starting Price: $100 to $200

World Nomads is the best comprehensive coverage travel insurance company because adventure travelers and digital nomads will get coverage of up to $100,000 for accidents for some of the most extreme adventures.

Extensive coverage with high limits for medical and emergency evacuation

Protects your bags, computers, and sports equipment when traveling

Explorer plan covers adventure sports

Only single-trip plans are available

Most pre-existing medical conditions are not covered

Not all policies cover adventure sports

World Nomads is a good insurer for those looking for adventure. The Australia-based provider was founded in 2000 and is a solid choice for worldwide travel with few excluded activities. Policies are underwritten by various insurers including the financially strong and well-known Nationwide Mutual Insurance Company, Generali Global, AIG, and Lloyd’s.

Coverage includes terrorist attacks, assault, medical repatriation, equipment and baggage, and overseas medical and dental. The high-end Explorer Plan covers activities including snow sports, water sports, aviation, motorsports, athletics, and high-adventure experiences. It names more than 200 activities, many of which other insurers specifically exclude.

For the Explorer Plan, a solo 35-year-old would pay around $200, depending on inputs like state of origin, for a month in Thailand, which is reasonable for such extensive coverage. The Standard Plan costs around $100 for the same trip, but it makes sense to choose higher coverage levels if you’re worried about something going wrong.

This U.S.-based policy is underwritten by Nationwide (rated A by AM Best) with a $100,000 limit for emergency accidents and illnesses, $500,000 for emergency evacuation, $10,000 for trip cancellation insurance (or interruption), and much more.

Though it doesn’t have the same insurance reputation as some other providers, it works with reputable companies to underwrite policies.

Best for Older Adults : HTH Travel Insurance

• Number of Policy Types: 5
• Coverage Limit: Up to $50,000 for trip cancellation
• Starting Price: Varies

HTH Travel Insurance is the best travel insurance company for older adults because its medical coverage is excellent and you get flexible options while on a budget.

High levels of medical coverage for adults up to 95 years old

Up to a $1,500 allowance for someone to visit you in the hospital

May be expensive depending on your needs

Best plan for older adults requires existing health insurance

Lowest policy has a $50,000 maximum benefit per person

Headquartered in Pennsylvania, HTH Worldwide was founded in 1997, and HTH Travel Insurance offers plans with high levels of medical coverage. That’s a big concern for older adults leaving the country , as they could end up in a doctor’s office or hospital with an expensive bill to follow. HTH Travel Insurance offers up to $1 million in total coverage for medical.

Policies for travelers with existing primary insurance enjoy 100% coverage for typical hospital charges, including surgery, tests, office visits, inpatient hospital stays, and prescription drugs outside of the U.S., among other coverage.

Medical evacuation is available up to $500,000, but trip interruption and baggage coverage are pretty light. Most people will choose this plan for medical rather than travel benefits. This policy is available to applicants who are 95 years old or younger.

Travel insurance is also available for people without existing health coverage. Most older adults in the U.S. are covered by some existing coverage, such as Medicare, but Medicare doesn’t work outside of the United States, leaving people uninsured when abroad. HTH Travel Insurance provides policies for those without existing medical coverage. The age limit is 95, but there is a 180-day pre-existing medical condition exclusion.

Best for Cruises : Nationwide

• Number of Policy Types: 8
• Coverage Limit: Up to $30,000 for trip cancellation
• Starting Price: $100

Nationwide is the best travel insurance for cruises because it offers multiple options to protect your cruise vacation with tailored coverage for common cruise trip issues. Make sure to review the benefit levels so you pick the right coverage for your needs.

Large insurer with a strong reputation

Three different cruise insurance plans to choose from

Coverage for common cruise issues like missed connections and itinerary changes

Some plans have low coverage levels for some incidents

Benefit limits are low for trip interruption for any reason

Pre-existing medical conditions may not be covered

Nationwide has been around since 1925. The Columbus, Ohio-based insurance company offers the most popular types of insurance including auto, home, and life. It also offers a few types of travel insurance coverage for individual trips, multi-trips, and cruises.

For single trip protection, Nationwide offers trip cancellation insurance of up to $10,000 with its Essentials plan and $30,000 with its Prime plan. Travelers may also get an annual travel insurance package for just $59 a year to cover delays, medical expenses, medical evacuation, lost luggage, and travel assistance.

Its custom-tailored plans for cruises, however, are what landed it in this category. The Universal Cruise plan, Choice Cruise plan, and Luxury Cruise plan make it easy to pick the right coverage for your individual needs. The cost for a couple on a 10-day cruise to Mexico, for example, was quoted at around $200 for both the Universal and Choice plans.

Cruise insurance from Nationwide covers what you worry about most with a cruise. Things like broken-down ships and itinerary changes can lead to missed excursions and flights or other costs. For the Universal Cruise plan, emergency medical expenses are covered up to $75,000 with medical evacuation benefits up to $250,000.

Additionally, all plans include coverage for the weather, an extension of school sessions, work emergencies, and terrorism. The luxury plan also covers the Centers for Disease Control and Prevention warnings in effect at your destination.

Travelers in 2024 have concerns over trip cancelations due to unprecedented events. Nationwide's survey showed that 51% are still worried about a resurgence of COVID-19, while 54% worry about weather-related delays or cancellations. Other worries include technology issues (38%), unruly fellow travelers (37%), and employee strikes (25%). Travel insurance can help alleviate some stress about a trip being canceled.

Best for Medical Coverage : GeoBlue

GeoBlue is the best travel insurance company for medical coverage because it offers multiple options to buy travel medical insurance coverage for a lower price than a full travel insurance package. It offers medical coverage on its own if you don’t want or need additional travel coverage.

Up to $1 million in medical coverage

Gives a la carte medical coverage when other trip costs are already covered

Different policies allow you to cover various needs and pre-existing medical conditions

Primarily covers medical costs

Additional primary medical coverage required

GeoBlue, headquartered in Pennsylvania, is part of Worldwide Insurance Services, and policies come with a license from Blue Cross Blue Shield Association. Policies are issued by 4 Ever Life International Limited, a company with a history of more than 60 years and an A rating (Excellent) from AM Best.

If you just need coverage for medical needs, GeoBlue is a good choice. This insurer offers only travel medical coverage. Paying for medical coverage means you aren't paying for the rest of your travel insurance, which you already may have covered. If you already have a credit card with travel insurance included, your card's terms likely protect things like lost luggage and missed flights, for example. Instead, you get covered just for medical, and the costs for that are as low as a few dollars per day.

Because you’re mostly getting travel medical coverage, you will pay a lot less than most other insurers on this list. Just make sure you completely understand what it does and doesn't cover. You will receive only minimal luggage protection and travel interruption coverage with GeoBlue's plans.

GeoBlue has two general plans for single trips, multiple trips, and long-term travel. Additionally, there are five specialty policies for niche travel medical insurance needs, like study abroad. It doesn’t cover everything related to your trip, but it makes medical coverage much more affordable.

Travelex is the best travel insurance company because it offers competitive pricing for comprehensive travel insurance. Policies from Travelex cover everything from canceled or interrupted trips to medical emergencies and evacuations. It also features a 15-day pre-existing medical conditions waiver, which means that as long as you book your trip several weeks in advance, you and your family members will likely still be covered.

There are many options to choose from when it comes to travel insurance. It can provide you with peace of mind and save you thousands of dollars if your travel plans are canceled or interrupted at the last minute. With world events like pandemics, natural disasters, and wars that could easily throw an unexpected wrench in your travel plans, travel insurance helps you to stay prepared. Overall, our top choice for travel insurance is Travelex.

Why You Can Trust Our Expert Recommendations for the Best Travel Insurance

Investopedia identified the most important factors for readers looking for a travel insurance company. Then we collected several key data points from over 30 travel insurance companies. We used this data to review and score each company for cost, coverage limits, exclusions, customer service, and other features to provide unbiased, comprehensive recommendations to ensure our readers make the right decision for their needs. Investopedia launched in 1999, and has been helping readers find the best travel insurance companies since 2020.

Compare the Best Travel Insurance Companies

Travel insurance covers common problems when traveling. From trip interruptions to full cancellations, it can help protect the money you put down for your travel experience.

Common coverage includes more than just an unexpected trip stoppage. It can also cover lost or damaged luggage and changes to your itinerary for covered reasons, among other benefits.

Medical coverage is an important factor to consider because your current health insurance may not work away from home. The best travel insurance includes coverage for medical treatment, dental emergencies, and medical transportation. If you have any pre-existing medical conditions or are at risk, it’s important to make sure your policy covers these, too.

If you're traveling locally, such as within your state or within your country, you likely do not need travel insurance. You may be covered with some sort of trip insurance through the credit card you paid for your trip with, and you may have adequate health insurance that can cover you if you need medical attention away from home.

Some credit cards , especially those premium travel rewards cards, may provide the following coverages: 

• Trip cancellation insurance
• Trip delay reimbursement
• Emergency evacuation and transportation
• Accidental death and dismemberment
• Lost or delayed luggage reimbursement
• Auto damage waivers
• Roadside emergency assistance

And if you book a refundable trip, travel insurance may not be necessary.

However, if your trip is expensive or it's in another country, travel insurance will come in handy if something unexpected were to happen. You may also need travel insurance if you're traveling to a particular country such as Antarctica, Egypt, Chile, Turkey, and more.

Travel insurance can give you peace of mind that you'll get some of your money back or that you're insured in case you need medical attention or another type of help while away from home.

Tips for Picking the Best Travel Insurance for You

When picking the best travel insurance policy, there are a few things you should consider. Here are some tips and factors to think about:

• Look for low pricing and good coverage : Pricing is one of the most significant factors when comparing travel insurance policies. Look for a provider that offers low rates and doesn’t skimp on coverage.
• Don't settle for the first policy type : Depending on where you’re traveling and how long you’re staying there, different types of travel insurance policies may work best for your situation. For instance, you may need a different policy for a weeklong trip than you would if you plan to travel abroad for several months.
• Match your coverage limits to your travel costs : Travel insurance plans have coverage limits for trip cancellation, interruption, and medical expenses. Look for a plan whose coverage limit matches the amount you’ve spent on your travel plans.
• Don't forget to look at the exclusions : Some travel insurance plans come with exclusions. If you’re worried about a particular event or accident, make sure it’s covered before you pay for a plan.
• Look for high customer satisfaction ratings : Customer satisfaction is also an important factor when purchasing a travel insurance plan. Look for a provider with high customer satisfaction ratings and a history of good customer service.

"As someone who is always purchasing travel insurance, and has been for years, the thing that matters to me the most is mainly coverage and customer service. I want to know what my policy will cover, especially if I am taking a trip that involves a lot of activities, as well as how easy it will be to contact the company should I need to do so. I have found in the past that the price is always very reasonable and you can shop around, so it has never been the biggest concern for me." -Alice Morgan, Senior Digital Art Director, Dotdash Meredith

Travel insurance may include many different benefits. Here’s a look at some common situations covered by many travel insurance plans:

• Trip cancellation
• Trip interruption
• Missed connection
• Baggage and possession loss, damage, and theft
• Delayed luggage
• Emergency medical treatment
• Emergency medical evacuation
• Accidental death and dismemberment (AD&D)

Emergency medical treatment may include things like ambulance services, x-rays, doctor bills, dental work, lab work, and more. It'll depend on the travel insurance company, so be sure to ask before paying for the insurance and/or additional benefits.

There are additional specialty coverages as well, such as customized policies for cruises. It’s a good idea to shop around and compare before making a final decision.

What Does Travel Insurance Not Cover?

Just as homeowners insurance often excludes damage from things like earthquakes and floods, travel insurance has common exclusions you need to know about. Here are some types of coverage you may not get with travel insurance:

• Weather-related cancellations and delays
• Trip cancellations or changes due to acts of terrorism
• Trip cancellations or changes due to a pandemic
• Injuries from extreme sports and high-adventure activities

Though most policies have limits and exclusions around these circumstances, not all do. Some insurers on this list have special coverage for these exact causes or include them in standard plan terms. Again, this is why it’s so important to read your policy documents before paying for and locking in your policy.

Best Cancel-for-Any-Reason Travel Insurance

The best cancel-for-any-reason (CFAR) travel insurance company is USI Affinity because it offers seven different insurance plans at the lowest premiums of all CFAR insurance companies we researched.

Travel insurance costs vary widely by coverage and insurer. You can expect to pay anywhere from a few dollars a day to more than $10 a day for short-term and single-trip coverage. The cost of your trip is another major factor in the insurance rate.

A few things impact the cost of travel insurance:

• Destination
• Length of trip
• Age of travelers

That means insurance for a single trip could cost anywhere from around $20 to hundreds of dollars. Annual policies cost around $500 per year for high levels of coverage.

There are many inexpensive travel insurance plans available, but most travelers are best protected with comprehensive coverage. It costs a bit more, but you'll be glad you have it if you need to file a claim.

Is Travel Insurance Worth the Cost?

If you pay a lot for a trip or vacation, then travel insurance should be worth the cost because you don't want to lose out on that investment. It won't always be necessary, but if travel insurance costs just a fraction of what you paid for the trip, then you'll be happy you had it if you have to cancel a trip worth hundreds or thousands of dollars. For example, if you book a European vacation worth $4,000 and your travel insurance costs just $400, it might be worth it so that if anything happens and you need to cancel, you still get $3,600 back in your pocket.

How Does Travel Insurance Work When You Cancel Your Trip?

When canceling your trip, you'll want to contact the travel insurance company right away. The policy and travel insurance company you selected will cover certain parts of your trip. It's important to review this policy and details to understand exactly what you need to do to get your money back for your trip.

Don't cancel your trip until you read your policy and know what is required for your claim.

For example, if you are ill and a doctor tells you not to travel, you may need to get a written note from the doctor and submit it with your trip cancellation claim.

Before you submit a claim and cancel your trip, consider if you can delay it and reschedule it instead. If you can't, then make sure you have all the required documents (receipts, proof of hotel booking, airline ticket confirmation, etc.). Once you submit your claim, it could take days (Allianz says up to 10 business days, sometimes) for you to receive notice that the claim was processed.

• Select a travel insurance company.
• Apply for the travel insurance plan of choice on the company's website or over the phone.
• Provide basic info about who is traveling and their travel plans, like name, age, location of trip, travel expenses, and costs like hotels or airfare.
• Wait to be approved.
• Create an online account for easy access while you travel. Some companies may also have an app.
• Enjoy your trip, and file a claim online or over the phone if needed.

Frequently Asked Questions

Which travel insurance is best.

The best travel insurance company is Travelex because it offers comprehensive coverage at a relatively low price. Travelex has multiple plan options and family members younger than 21 are covered at no extra cost. Another perk is Travelex's Travel Select plan which has a 15-day pre-existing medical condition exclusion waiver. If you purchase your policy within 15 days of paying for your trip and insure the full cost of your trip, your pre-existing injury or illness is likely covered.

In Which Countries Is Travel Insurance Required?

Travel insurance is not mandatory or required by all countries, but some do. For example, Cuba requires people traveling from the U.S. to Cuba to have non-U.S. medical insurance, which may be covered through travel insurance or an airline. Other countries that may require or strongly encourage travel insurance include Antarctica, Egypt, Chile, Turkey, and more. Check a country's specific travel requirements before booking your trip to understand if travel insurance is required.

How Many Days Before a Trip Should You Buy Travel Insurance?

You should always buy travel insurance as soon as you book your trip. If you forgot to buy travel insurance when you booked, it's OK—aim to buy it at least 15 days before traveling to ensure you're eligible for coverage.

Do I Need Travel Insurance for a Cruise?

Just as with any kind of trip, whether you need cruise insurance largely depends on the cost of the trip, and where you're going. If you're paying more than $1,000 for a cruise, travel insurance is probably worth it. For instance, you may want international medical insurance if you're traveling to other countries because some health insurance policies do not cover international travel—Medicare and Medicaid in particular.

Just be aware that if you buy cruise insurance (as opposed to a general travel insurance policy), it may not cover travel before and after the cruise, such as your flight to the port and any hotel expenses you may have pre- or post-trip.

Does State Farm Offer Travel Insurance?

State Farm does not offer travel insurance. State Farm offers car insurance, motorcycle insurance, boat insurance, motorhome insurance, off-road vehicle insurance, homeowners insurance, renters insurance, condo insurance, life insurance, liability insurance, small business insurance, and more.

Can You Buy Travel Insurance After Booking a Flight?

Yes, you can book travel insurance after booking a flight. This may be a great time to book travel insurance because you'll know what coverage you need in case something happens and your trip is canceled. Signing up for travel insurance as soon as possible will always be your best bet.

Does Travel Insurance Cover Canceled Flights?

Most travel insurance covers canceled flights, as well as delayed flights. If your flight is delayed by a certain number of hours, your travel insurance may reimburse you for the additional money you spent as a result of that delay or cancelation.

Should You Get Travel Insurance Through an Airline?

Some airlines offer trip insurance through travel insurance companies. For example, United Airlines offers a Travel Guard insurance plan that may cover unexpected trip cancellations due to illness, and reimbursement for canceled flights or lost luggage. However, you should first compare all your travel insurance options before picking a company and plan to ensure you'll pay a fair price for exactly what you need.

How We Found the Best Travel Insurance Companies

To come up with this list of the top travel insurance providers, we looked at more than 30 different travel insurance companies and plans. Major areas of focus included coverage options, claim and policy limits, what’s covered, and typical insurance policy costs.

The biggest focus was on insurance coverage limits and what each policy covers. Cost is important, but a difference of $20 for much better coverage is often negligible. The most important features examined in this review are the ones that make your policy valuable and easy to use if you ever need it.

Your Guide to Travel Insurance

• Do I Need Travel Insurance?
• How to Get the Cheapest Travel Insurance
• Best Travel Insurance Options for Older Adults
• Best Cancel for Any Reason (CFAR) Travel Insurance
• How Much Is Cancel for Any Reason Travel Insurance?
• How to Buy Cancel for Any Reason Travel Insurance

Nationwide. " Survey: U.S. Consumer Travel to Surge in 2024 ."

Travelex. " About Travelex ."

S&P Global Market Intelligence. " Insurance Ratings Actions: S&P Acts on Berkshire Hathaway’s Insurance Segment ."

AM Best. " AM Best Affirms Credit Ratings of Berkshire Hathaway Life Ins Co of Nebraska and First Berkshire Hathaway Life Ins Co ."

Travelex. " Travel Select ."

Allianz. " History of Allianz ."

AM Best " AM Best Upgrades Credit Ratings of BCS Financial Group Members ."

AM Best. " AM Best Affirms Credit Ratings of Allianz SE and Rated Subsidiaries ."

Allianz Travel. " AllTrips Executive ."

InsureMyTrip. " About ."

World Nomads. " About World Nomads ."

World Nomads. " What's Covered for Americans? "

World Nomads. " Summary of Plan Benefits: Explorer Plan ."

AM Best. " AM Best Downgrades Credit Ratings of Nationwide Mutual Insurance Company and Its Property/Casualty Subsidiaries; Affirms Credit Ratings of Life Affiliates ."

HTH Travel Insurance. " About Us ."

U.S. Centers for Medicare and Medicaid Services. " Travel Outside the U.S. "

HTH Travel Insurance. " Options for Travelers Without a Primary Plan ."

Nationwide. " About Nationwide ."

Nationwide. " Nationwide Single-Trip Insurance ."

Nationwide. " Nationwide Annual Travel Insurance ."

Nationwide. " Cruise Travel Insurance ."

4 Ever Life. " About Us ."

AM Best. " AM Best Upgrades Credit Ratings of BCS Financial Group Members ."

GeoBlue. " Travel Medical Insurance Plans ."

InsureMyTrip. " Which Countries Require Travel Insurance? "

Squaremouth Travel Insurance. " Emergency Medical ."

Allianz. " Trip Cancellation Checklist ."

U.S. Embassy in Cuba. " Medical Assistance ."

Travelex. " Frequently Asked Questions ."

State Farm. " Types of Insurance Coverage ."

Travelers. " When to Get Travel Insurance ."

Travelex. " Trip Delay Coverage ."

AIG and United. " Domestic Air Ticket Plan ."

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The following companies are our partners in Travel Insurance:  Travel Guard Insurance ,  Allianz Global Assistance ,  Travelex ,  TravelInsurance.com ,  Seven Corners ,  Generali Global Assistance ,  Trawick International ,  Squaremouth ,  Tin Leg ,  Faye , and  Faye2 .

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Best Travel Insurance Based on In-Depth Reviews

• 200+ Hours of research
• 60+ Sources used
• 15 Companies vetted
• 3 Research Criteria
• 6 Top Picks

• Look for customizable coverage
• How we analyzed the best Travel Insurance Companies
• Our Top Picks: Travel Insurance Reviews
• Travel Insurance and the Novel Coronavirus

In light of the current Covid-19 pandemic—and the accompanying social distancing and travel restriction measures implemented across the world—record numbers of flights, vacations, cruises, and other travel plans have been thrown into disarray. While the response from individual airlines  and hotel chains has been to relax their cancellation policies, travel insurance companies are a different story . The travel insurance policy types that would apply to most of those canceled plans are trip cancellation or trip interruption, both of which are usually named-peril plans. This means that they'll honor the coverage on the insurance policy, but ONLY IF the reason for cancellation is listed in the plan. And neither the fear of contracting coronavirus or the fact that there is a very real worldwide pandemic, are listed reasons. 

There is one notable, albeit more expensive option, if you purchase (or purchased) a Cancel For Any Reason (CFAR) add-on policy, then you can do exactly that: change your travel plans entirely and practice social distancing at home. To qualify, you must have purchased the CFAR within the insurer's specified timeframe after making your first payment, and you must insure the totality of your trip costs. You should also know that even a CFAR only goes so far—you won't be fully reimbursed, even though you're insuring 100 percent of your costs—most travel insurance policies give you the option of a 50 or 75 percent reimbursement.

Given the situation, before booking any travel and purchasing travel insurance, we recommend that you follow the current Center for Disease Control ( CDC) recommendations . Ask yourself:

1. Are coronavirus cases surging or spreading at your destination?

2. Do you live with someone who at high risk of infection from the coronavirus?

3. Likewise, are you yourself at high risk of becoming gravely ill from coronavirus?

4. And finally, does your destination have any travel restrictions or requirements?

This fourth question is key since it can significantly derail your plans—many state, local, and territorial governments have implemented restrictions of varying degrees, from mandatory testing or quarantines to outright travel bans. The European Union, for instance, just extended its travel ban for U.S. citizens, while Ireland and Hawaii allow travel but require a two-week, in-country quarantine. In short, we recommend you take the time to verify if this is the case in your chosen destination, either on state or local public health websites if traveling within the continental U.S., or through the U.S. Department of State's Country Information page . 

• TravelInsurance.com review

Best for Travel Insurance Options

For consumers who want comparison shopping convenience,  TravelInsurance.com is a great choice since it allows you to compare many policies at the same time. 

Screenshot ravelinsurance.com, December 2019.

Customers are asked to fill in a simple web form that asks for the dates, destination, and total cost of an upcoming trip. The website instantly generates a list of available policies (26 of them for a hypothetical trip we described), their coverages, their costs, and their issuers’ financial strength ratings. The information is laid out on a single page in an easy-to-read format. Prospective travelers can do side-by-side comparisons of a smaller number of policies. 

TravelInsurance.com is not an insurer itself, but it partners with many of the insurers we recommend. Before purchasing any one travel insurance policy, it's a good idea to research the company issuing it to gather even more information about it. 

• Generali Global Assistance review

BEST FOR TRIP CANCELLATIONS AND INTERNATIONAL SUPPORT

Generali provides great value for your buck. Generali’s 24/7, year round “Telemedicine" service connects you with a network of American doctors for non-emergency medical consultations, advice, and prescriptions. The Premium plan offers a million dollars in medevac coverage, and nice extras, like $500 for sports equipment delays and $1,000 for missed connections. This policy is perfectly suited for the well-to-do traveler with a lot of money invested in a trip.

Generali scored high with us because, as travel insurers go, they offer some of the most comprehensive coverages, highest payout maximums, and many additional policy features other providers don't. All standard trip interruption and cancelation reasons are provided for, and then some. Additionally, the company has generous provisions for baggage and trip delays. Generali really shines when it comes to its traveler assistance services. Along with all the usual customer assistance features, the company also makes provision for such things as specialty food delivery, an emergency cash advance of $500, and travel companion meet and greet services. Pound for pound, one of the most extensive offerings out there.

The company will cover up to a whopping $250,000 max for medical care, and up to $1 million for emergency medical transportation. There are three plan levels that, aside from a few items, only differ in maximum payouts for certain coverages.

Generali also stands out in the trip interruption/cancellation category. They will reimburse up to 175% the cost of the trip due to trip interruption, and also provide a generous $1,000 travel delay reimbursement. If you purchase the premium plan, the coverage kicks in after a mere 6-hour delay.

Generali boasts many more customer assistance services than standard among travel insurance providers. These include identity theft resolution services, personalized retail shopping assistance services, procurement of hard-to-find items, limousine pick up of friends and business partners, pre-trip assistance, specialty food delivery, and booking golf tee times just to name a few. Generali's 24-hour emergency hotline can be accessed from anywhere in the world and includes medical, travel, and concierge assistance services.

The company's services are accessible anywhere in the world and they maintain a BBB accreditation of A+. Generali Global Assistance operates as a subsidiary of Europe Assistance Holding S.A. and their travel insurance business evolved from CSA Travel Protection.

• World Nomads review

Best for the Young and the Restless

World Nomads offers a choice of two plans. The primary difference between the two, aprt from cost, of course, are the benefit limits associated with each. Both plans offer the same types of coverage, including trip cancellation, trip interruption, emergency medical, evacuation, repatriation, and personal property losses. We used a hypothetical $3,000 trip to France tWorld Nomads' policies to competitive plans.

World Nomad's Standard Plan has a benefit limit of $2500. It wouldn't cover the entire cost of our hypothetical trip to France, but it would certainly lessen the economic blow of cancellation or interruption. World Nomad's Explorer Plan has a benefit limit $10,000 for cancellation and interruption. It would fully reimburse the cost of our hypothetical trip. I's important to understand that you can't collect any more than your trip cost with trip cancellation or interruption coverage, no matter how high the benefit limit of your policy. Our hypothetical traveler would want to compare the premium difference between the two plans. If it were more than $500, then World Nomad's Explorer plan would probably not make good financial sense. 

Both of World Nomad's plans reimburse travelers for up to $100,000 in travel medical expenses. The Standard Plan covers up to $300,000 in medical evacuation costs while the Explorer Plan ups that figure to $500,000. The Standar plan offers up to $1000 reimbursement for baggage loss or theft, while the Explorer plan protects you for up $3000 for those losses. The more expensive of World Nomad's plans might make sense if you carry a lot of expensive gear when you travel, but again, travelers must weigh the cost of increased coverage against the benefits.  

Unlike many travel insurance providers, World Nomads covers a large number of sports in its Standard Plan (kite surfing, ice hockey, and that most dangerous of sports… air guitar ) and more extreme sports under the Explorer Plan (bull riding, cave diving up to 165 feet/ 50 meters, and mixed martial arts), making it a great choice for the adrenaline junkies. The full list of covered activities is well worth a read if only for entertainment purposes. Now that we know what ski joring is, we're raring to try it ourselves!

Screen shot of worldnomads.com, July 18, 2019.

Great Guides and Community

What truly differentiates World Nomads from a crowded field is the sense of community it cultivates with its customers. The website contains free travel guides to numerous worldwide destinations, as well as free downloadable educational material on travel writing, filmmaking and other topics.

There are also sections dedicated to fascinating true travel stories to inspire your next trip, and entertaining and bizarre testimonials from World Nomads insurance customers. We’ll warn you, some of these tales are not for the faint of heart.

In keeping with the community theme, World Nomads presents an option at checkout to donate a few dollars to one of three charities, including a program dedicated to sight-restoring surgery in Kenya. According to the website, 85% of World Nomads customers elect to donate.

World Nomad's Disclaimer

All of the information provided about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage. 

• Medjet review

Best for the Vip Traveller

Strictly speaking, Medjet doesn’t provide travel insurance in the classic sense. For instance, there are no coverage options for trip cancellation, loss or delay of baggage, or many other standard travel medical insurance features. For those, you’ll have to purchase a standard travel insurance policy from another provider.

Medjet offers industry-leading global medical evacuation services to both private and corporate clients. With a network of hundreds of air ambulances and medical escorts located around the world, if you are hospitalized, Medjet provides transport to the home-country hospital of your choice aboard aircraft outfitted with state-of-the-art emergency medical equipment. Travel insurance typically requires you be treated and recover in the “nearest acceptable facility”, Medjet allows you get to a hospital at home.

Medjet operates on a membership model, with a number of programs calibrated to fit the needs of different types of travellers. Short term memberships for trips as short as 8 days are available, as are programs for students and professors and longer-term expatriates.

While there is no medical transport cost limit as long as your membership is current, Medjet does cap evacuations to two per member per year, or one for a member family. Though if you’re in need of more than two evacuations per year, you may want to reconsider your life choices.

Screen shot of medjetassist.com, July 18, 2019

Customers up to 75 years old can be covered under any of Medjet’s policies. Beyond that is a senior-specific Diamond membership which covers customers between the ages of 75 and 84.

In addition to medical evacuation, MedjetHorizon--the premium-tier option--provides professional crisis response assistance for victims of terrorism, natural disasters, kidnapping, hijacking, political threats, blackmail, and other events. If you are at risk for such hair-raising predicaments, standard travel insurance simply won’t suffice. These options are intended for VIP travellers such as high level corporate executives or high profile individuals--think C-suite execs and movie stars— but it’s also ideal for anyone who travels alone.

• AXA Travel Insurance review

Best for the Travelers on a Larger Budget

While a quick glance at AXA’s rather generic website might suggest that there’s nothing special about the company, the true value of its policies becomes apparent when you look at what’s covered. The Platinum plan for our $3,000 trip costs a quoted $125 and includes a remarkable suite of coverages. With medical expenses capped at $250,000 and medevac and repatriation capped at a cool million, the plan truly lives up to its precious metal namesake.

Screen shot of axatravelinsurance.com, July 18, 2019.

Trip cancellation and interruption pay out at an industry-standard 100% and 150% respectively, and baggage protection is well within the normal range as well. But the Platinum plan really shines when it comes to the little touches, such as a $25 a day (max of 5 days) pet boarding benefit for trip delays, $1,000 sports equipment rental, and $500 to lost golf rounds or skiing days. That’s a lot of value for 4.17% the price of our overall trip.

Identity theft protection, concierge services, a mobile app, and a blog featuring articles about various travel and travel-adjacent topics round out an above average policy. If you want high level, comprehensive coverage that won’t break the bank, AXA Platinum is a great option.

• Faye review

Faye is a travel insurance startup founded in 2019. The company offers domestic and international whole-trip travel insurance and provides comprehensive coverage for travelers. Some of the things covered by Faye’s travel insurance packages include baggage loss, trip cancellation and medical coverage.

The company helps the insured with most of a traveler’s usual woes when visiting another country, including unexpected cancellations and delays, natural disasters and even political turmoil. In light of the coronavirus pandemic, Faye also covers non-refundable medical and trip delay expenses if you become ill with COVID-19. Coverage includes emergency medical expenses, accomodation for quarantine and extension costs. 

You can submit a claim through the company’s app or through email in an entirely digital process. Faye’s plans are underwritten by the United States Fire Insurance Company, which is rated A by the A.M. Best of 2021. The company’s non-insurance assistance is provided by Global Excel Management Inc., which deals with everything from 24/7 travel assistance to real-time flight alerts.

Pricing varies by the level of coverage, with insurance from its basic plan traveling to Europe for one customer for one week coming out to $135. Faye has a 4.6 rating on Trustpilot, with the majority of reviews rating the company “excellent”. The company is not yet rated on the Better Business Bureau’s website. 

Faye offers assistance 24/7 365 days a year, connecting you with real humans when you run into a problem in the middle of a trip. Faye can also be reached through email at [email protected]. All in all, Faye’s commitment to being there for travelers as well as its comprehensive coverage provided by an underwriter with a strong reputation make it easy to recommend. 

• Other Great Providers

Allianz Travel

Allianz is the largest insurance provider in the world, which in itself doesn’t mean that much. However, with that size comes a great deal of experience and an extremely diverse portfolio of policies including annual plans covering multiple trips, family plans, and policies that cover extended trips up to a year long. These specialized offerings are perfect for families traveling together or temporarily moving to another country.

Amex Travel

Long associated with international travel, American Express’s travel insurance wing provides four tiers of protection, from a bare-bones policy to comprehensive coverage. In addition, you can create your own policy, where you pick and choose your preferred areas of coverage. In a rare move, the website also provides a sample policy contract to read before you buy. This flexibility will appeal to travelers who know what coverage they need and don’t want to waste money on coverage they don’t.

An old standby and originally an arm of Mutual of Omaha, Travelex remains a popular choice for travel insurance. Travelex offers two levels of standard protection and a number of policy add-ons to build just the right insurance for your trip. A bit on the pricey side, the costs are more than offset by top-flight concierge services and decades of experience in the industry. With above average costumer comments, Travelex is a solid choice for anyone thinking of going on a trip.

• More insight into our methodology

We wish we could tell you that we went about researching this article by buying travel insurance ourselves and jetting off to the Maldives or Bora Bora to try it out. Unfortunately our killjoy editor quickly quashed that idea. [Note from killjoy editor: Your request for paid time off is denied. See me.] Instead we had to do this the old-fashioned way with a lot of legwork, research, and interviews. We even read an entire ten page travel insurance policy cover to cover. A page turner it was not.

When we started this article, we thought we’d spend a lot of time talking about loopholes, shady insurance providers, and tips on how to wring the money you deserve out of tight-fisted companies. Imagine our surprise to discover an industry that largely delivers on coverage promises and pays out a high percent of claims. Though the industry is not perfect, and many customer complaints are completely valid, we discovered that when the right steps are taken, travel insurance really can save your trip, your bank account, and even your life. And isn’t your peace of mind worth the average travel insurance policy price of 4-10% of the cost of your trip?

A recent survey of the British insurance industry claimed a travel insurance payout rate of 87%. Comparable, but by no means definitive rates are cited in America, where the industry is more protective of its data.

The trick, as with all insurance, is to always know what you’re buying. Sounds simple, right? Take it from a team that actually read a policy and we can assure you, it is not. But don’t panic: once you know what to look for and how to read one of these contracts, you can rest easy knowing exactly where your coverage begins and where it ends.

In order to find out how to do that, we talked to people on both sides of the travel insurance market. Megan Cruz is the Executive Director of the US Travel Insurance Association . The UStiA is a trade association whose mission is “to foster ethical and professional standards of industry conduct, cultivate effective state and federal government relations, inform and assist members, and educate consumers.” The organization serves as both the forum to create and improve standards within the industry, as well as the lobby for same.

“A lot of the complaints… …that are heard by UStiA members generally relate to people thinking something is covered that is not,” she told us.

Then we talked to Ellie von Wellsheim, the founder and CEO of The Mooncatcher Project --a non-profit that provides reusable menstrual pads to school-age girls in developing nations to help them continue their education. Part of her job entails frequent travel to the countries the organization services--countries that often have substandard medical facilities or experience a higher-than-average rate of natural disasters or political instability. Travel insurance is an essential and frequent purchase for her and the organization.

“I’m going to extremely poor places where medical hospitals are pretty bad,” she told us. “I want to know that I’m covered. Because something could happen to me. The airline offered insurance is only for your travel. It doesn’t cover you if you have to be medevaced out of the country.”

Finally, we constructed our own hypothetical trip based on one of our coworkers, and plugged his information into all the insurers we researched to see what his coverage would look like. We “sent” our imaginary 38-year-old colleague to France from Washington, D.C. on each of these sites, using the same travel dates and a projected cost of $3,000 for the trip. We tended to skip the bare bones policies in favor of more comprehensive options, since the price bump was generally less than $50. We figured that if you’re already paying for travel insurance, the small extra expense if well worth the extra peace of mind.

Though not a perfect predictor of value across demographics, destinations, or trip costs, it does provide a benchmark for coverage that we can work with.

Coverage is the undisputed king in the realm of travel insurance. The single most important thing to look at is your policy and what’s on it. As a travel insurance customer, you need to be crystal clear on how much protection you are buying, as well as what circumstances are not covered.

• Extra Benefits

Because many coverage options are fairly standard in the industry, varying mostly by dollar limits, insurers add extra benefits to plans to entice buyers. These benefits can range from concierge services in the event of a flight delay up to legal assistance in a foreign country. In the event of a crisis, you can’t put a dollar amount on the value of these vital services.

• Price & Reputation

Coming in at a distant third place is price. As typically a one-time expense, travel insurance is pretty affordably priced. However, high end, high risk policies can cost up to 10% of the price of a trip. But the savings or financial reimbursement in the event of calamity make it a bargain at twice the price.

• Introduction to Travel Insurance

Let’s be real, nobody likes insurance. Ask the next five people you talk to what they think about insurance and we guarantee you’ll get an earful. Ask five more and you’ll just hear more of the same. Go on, we’ll wait.

The reputation of insurance providers is so bad that a 2017 study on public perceptions of various industries and entities shows the insurance industry as a whole earned a net favorability rating of -32. That’s worse than such widely reviled bodies as Congress and Wall Street. To say the insurance industry has an image problem is putting it mildly.

Though there are some legitimate reasons for this widespread unpopularity, part of the issue is a fundamental misunderstanding of what insurance actually is. Many people think insurance--whether travel, health, auto, home, etc.--is like a big bucket of money you add to over time and can draw from for any reason when anything bad happens to you.

As fantastic as this “rainy day savings account” would be for the consumer, the simple fact of the matter is that such a system would collapse on itself overnight as hundreds of thousands of claimants all raided the kitty at the same time.

Insurance premiums are set based on a mathematical balance between an expected loss number and the total number of insured individuals so that the pool will be large enough to cover all claims. If it costs X amount of dollars to pay out a given type of claim, you need to set premiums based on the expected frequency of that event.

Pretty grim stuff, certainly, but the science of predicting the frequency of accidents, losses, or other calamitous events is essential to the entire process of insurance. And without insurance, there is no commerce, no economy, and no modern world. The commercial container ships that carry the food, clothing, electronics, and other consumer goods we all buy every day typically cost more than $100 million dollars, not including the cargo. Insurance makes that possible. Who among us can afford to risk that much money in the uncertain world we live in, full of storms, pirates, and mechanical failures? Insurance spreads out unmanageable risk; thinning it to a much more acceptable level.

Insurance policies are legal contracts that spell out exactly what is and what isn’t covered. We’ll talk a little about certain ambiguous words that leave room for interpretation later. For now, suffice it to say that for the most part you should be able to read a policy and know with 99% certainty what you can expect to be covered. If it isn’t expressly covered, or if it’s specifically not covered, you really shouldn’t get too bent out of shape if your claim is denied. In a sense, it’s like getting mad that the wrench you bought for a home project isn’t a very effective hammer.

• What is Travel Insurance?

We’ve discussed what insurance is generally, but have so far skirted around the main theme of this article: What exactly is travel insurance?

Travel insurance is both exactly what you’re thinking and so much more. Amazingly, while most people are pretty cautious in their regular lives, often having policies for homeowner’s or renter’s, health, auto, and sometimes life insurance, very few people-- only 7%! --regularly buy travel insurance. Considering that the average American spends 25-35 days a year travelling , and that Medicare and a lot of American health insurance policies don’t provide coverage overseas, that means there are literally millions of Americans who are entirely uninsured for a whole month out of the year.

We bring this up not to bring you down, but to illustrate how strange it is that we can be so concerned with one aspect of travel safety and take such massive risks in others.

Nor are we suggesting that travel insurance is all about bodily safety. Indeed medical coverage is but one aspect of travel insurance. In fact, the number one reason people purchase travel insurance is trip cancelation coverage. Eighty eight percent of respondents to an AAA Travel phone survey cited trip cancelation as their number one concern. Health concerns, by the way, rated 69%.

These concerns bring up a good question - what exactly does travel insurance cover?

What’s Covered?

Travel insurance, much like any other type of insurance, covers an agreed-upon set of circumstances as set forth in the insurance contract. Coverage options fall into roughly five unofficial categories, which include the previously mentioned cancellation and health coverage, auto insurance, and issues with baggage. The fifth bucket includes unusual types of coverages, such as hijacking insurance, extreme sports coverage, and other options in less common demand.

Under each of these coverage areas are a slew of options that may or may not be exactly what you need for an upcoming trip.

In addition to coverage options, it’s worth looking at extra benefits provided by travel insurance companies. UStiA Director Megan Cruz told us that these “non-insurance services can include legal assistance, they can include help with lost travel documents, 24-hour assistance to make alternate travel arrangements or even coordinate emergency medical care.”

This suite of “extras”--concierge customer service options--really make the difference between a good insurance provider and a great one.

• Your Policy

The Fine Print

People commonly think of insurers as miserly bureaucrats who get their kicks denying claims. Policies are almost thought of as “sell your soul” contracts riddled with devious loopholes and the type of fork-tongued language lawyers salivate over.

And while it’s true that these documents contain more than their fair share of legalese, there is a reason for that. An insurance policy is a contract. By definition it’s going to have the kind of “contract-y” language most of us skim-read with glazed eyes if we even bother to look at it at all. That’s the bad news. The good news is that with a little patience you can fully understand the contents of your policy to see what is and what isn’t covered.

Loopholes--as they’re commonly understood--do not exist in insurance policies. While coverage can be denied for a number of reasons (drug or excessive alcohol use, for instance), those reasons are clearly laid out in the policy contract. There is no “get out of paying all claims free” card cleverly hidden in the contract to give the insurer a universal out. Though insurance companies aren’t much trusted by consumers or even terribly well-liked, they obviously wouldn’t last very long as a business if they just swindled their clients.

Study your policy--we know, it has all the excitement you’d expect from the reading of the minutes of a school board meeting. Nonetheless, read the whole thing and make notes where you have questions or something isn’t clear. Travel insurance comes with a 10 or 15 day “free look” clause where you can cancel the policy for a full refund any time within that period. Use the time to call your insurer and ask questions specifically pertaining to your trip. If you don’t like the answers, ask for changes to be made, or cancel the policy. You can cancel at any time during the free look period for a full refund.

As far as legalese, probably the most basic thing you want to look out for is whether the language in the contract is exclusive or inclusive. What this means is that the policy will either expressly outline all covered circumstances (inclusive), or spell out everything that is not covered (exclusive). If, for instance, the contract uses exclusive language and a particular thing is not specifically named, you can expect that scenario to be covered. Conversely, unless an inclusive contract tells you something is covered, it’s not.

Exclusive contracts tend to be rarer because it’s harder to compile a comprehensive list of everything that wouldn’t be covered. This creates more risk for the insurer but is definitely more attractive to the customer. If, for instance, there ever was a real life sharknado, such an event is more likely to be covered in an exclusive contract--because who would ever think to list it among the exclusions?--than an inclusive one.

Another thing to look out for is modifiers like “reasonable.” Our killjoy editor recently bought travel insurance for a trip to South America and found the following under “Benefits” when reading over his policy:

What you deem “reasonable” might be pretty different from what we or this insurer does. While we can all agree that a common cold isn’t a valid reason to cancel a trip, what is? The flu? Losing a finger? Losing a hand?

A lot hinges on this one word. We’re not suggesting that the insurer would go so far as to determine that Ebola isn’t a reasonably disabling condition to cover. We just want you to know that if you have questions about something in your policy, you can and should call the provider to ask for clarification.

So, what can you expect to be covered by your insurance?

Let’s put together a hypothetical trip to find out. You and your younger brother saw a special on land diving in Vanuatu and decide you absolutely have to go try it. As we’re sure you’re aware, there are no direct flights to Vanuatu from any airports in America, so you buy a ticket through Fiji. On the flight over, your luggage somehow misses the connecting flight and gets delayed for two days. You guys pack light, so it normally wouldn’t be a big deal except that your brother is a diabetic and accidentally checked his insulin.

Hey, he was excited about the trip and wasn’t thinking clearly, ok? Everyone makes mistakes.

When you finally get to Vanuatu and see the 80 foot scaffold you’ll be diving from, you understandably have second thoughts. Unfortunately, the tour company you booked with does not offer refunds--turns out you’re not the first one to get cold feet.

As the younger sibling, your brother decides he has something to prove and goes ahead with the jump. Predictably, he breaks his collarbone and has to go to the hospital a couple hours away. While he’s getting patched up, you decide to have a few drinks to calm your nerves and end up twisting your ankle on the uneven bamboo floor of what turns out to be a very rustic bar in Port Vila.

Now you’re also in the hospital and you end up calling the airline to push your flight back a few hours, which means you end up missing your connecting flight in Fiji.

So what parts of this calamitous trip does your travel insurance pay for?

Well, that obviously depends on the policy you bought. Here are the things you’ll want to make sure are in the contract:

• The whole point of this trip is to go land diving, which is about as extreme an extreme sport as there is. Most policies will not cover activities like this, so you’ll have to purchase extra coverage, and that’s going to cost you. Without this option, it’s likely that your brother’s injury would not be covered by standard medical protection.
• Delayed luggage protection is pretty standard in travel insurance policies and prescription drug coverage is not uncommon. Still, double check that it’s in the contract and how much is covered. Delayed luggage protection doesn’t replace your valuables; it only pays for essentials you need in the gap between when your luggage gets delayed and when it finally reaches you.
• Even though reimbursements for non-refundable tours or activities is common in travel insurance, your claim will likely be denied because the reason you weren’t able to participate in the booked event is that you were too afraid to go through with it. We’re not judging--land diving looks terrifying!
• A Note On Alcohol Use

What about the rest of the trip? Your visit to the hospital for your twisted ankle? The missed flight in Fiji?

Unfortunately for you, you voided the rest of your coverage by being drunk. Standard in most travel insurance policies is a drug and alcohol exclusion that won’t pay out if you’re intoxicated. You were drunk when you twisted your ankle, which means that your hospital visit was not covered. And because your injury caused the delay which caused you to ultimately miss your connecting flight, that most likely wouldn’t be covered either.

This is the closest thing to that mythical “get out of paying all claims free” card as you’re likely to find in a travel insurance policy. And, to be frank, it makes sense not to cover incidents that happen while the insured is intoxicated. Of course there is some wiggle room in what constitutes intoxication. If you had a glass of wine with dinner and injured yourself somehow, your medical coverage will probably be honored. But if you sprain your throwing wrist by playing four straight hours of beer pong, you’re on your own.

For the final word on what to look for in a travel insurance policy, we asked Megan Cruz for an insider’s perspective of what she looks for when she buys travel insurance (yes, the Executive Director of the US Travel Insurance Association buys travel insurance almost every time she travels). She answered: “I’m going to look at what’s covered and I’m also going to look at the limits of the insurance offered by the carrier, and I always read the fine print. I know those coverage limits so I’m not surprised later. I think about other costs in addition to my flight.”

• Common Exclusions

Policies can vary greatly from insurer to insurer and based upon the circumstances of you, the insured. Just as there are some commonalities in coverage options, there are also a number of exclusions you’ll see popping up often.

The first of these exclusions--and one we feel comfortable stressing--is for claims for incidents that occurred when the insured was intoxicated due to drug or alcohol use. Besides common sense, there are a number of fundamental insurance principles that would be broken if such an exclusion were not made, but we’ll focus only on one. The insured event must not be under the control of the insured. And while it’s certainly true that intoxicated individuals are generally not in control of whatever situation they find themselves in, by becoming intoxicated, they have essentially made the decision to make bad decisions. For similar reasons, gambling is not covered by other types of insurance because the insurer is bringing unmanageable risk upon him or herself.

Similar to this is the exclusion for stolen baggage if you leave said baggage unattended. Flirting with disaster, or otherwise exercising poor judgment is generally not insurable. Which brings us to the next item on the list.

Extreme sports such as skydiving, bungee jumping, etc. are typically excluded from ordinary travel insurance policies. In fact, traveling to compete in ordinary sporting events, such as baseball and football is also usually excluded. Additional insurance can be purchased to cover these and many other otherwise excluded activities… at additional cost.

Cancellation due to weather can be excluded in certain cases. Most commonly this exclusion applies when traveling to a region prone to hurricanes once the storm has been given a name . This happens when the storm reaches wind speeds of 39 mph. Keep an eye on the weather where you’re traveling and plan accordingly. Unfortunately, storms are unpredictable things, so if you cancel your trip, there’s a chance that the storm will veer off course and miss your destination, or run out of steam. While this is certainly good news for those living in what would have been the path of the storm, it does mean that you’ve ultimately canceled your trip for no reason.

The broadest and probably most widespread exclusion is for pre-existing medical conditions. Pre-existing conditions don’t necessarily mean something you’ve struggled with for years. Instead, the insurer will investigate the last 60 to 180 days of your medical history in what’s called the “look back period” to see if you were “medically stable” i.e. you did not exhibit active symptoms. If there is an issue, you can purchase an exclusion waiver for pre-existing conditions. Of course, this comes with an additional cost.

Some exclusions can ultimately be covered with the purchase of additional insurance, while others cannot. When in doubt, consult your policy and call the insurer. Common sense will provide some answers as well. If the scenario you want to insure sounds ridiculous to you, it’s probably excluded.

• Medical Tourism

As healthcare costs in the US skyrocket, medical and dental tourism are becoming popular for travelers of all ages. Countries with safe, affordable, top-level medical care such as Mexico, Thailand, Costa Rica, and others are attracting visitors looking to have both elective and medically necessary procedures performed for a fraction of what they would cost back home.

Though medical care in other countries is typically very safe--particularly if you’ve done your research and chosen trusted clinics or doctors--travel insurance providers almost universally do not cover medical tourism. Remember, insurance exists to cover unforeseen events; planned events that increase risk and uncertainty are generally uninsurable.

In fact, undergoing an elective procedure while on an insured trip can cause the rest of your coverage to be terminated. If, for instance, you miss a flight or are robbed after undergoing elective surgery, it can (and will) be argued that whatever medications you are or were on contributed to the unfortunate event. In short, in your insurer's eyes, you’ve rendered yourself uninsurable.

A very few insurers do sometimes offer policies specifically tailored to medical tourists, but these seem to disappear off the market quickly. Other insurers sometimes cover the parts of your trip not immediately associated with whatever procedure you’re having done--but only sometimes.

Because medical tourism insurance is an emerging travel service and its availability is so unpredictable, we can’t in good conscience recommend a provider. But as more people opt for treatment overseas, it’s likely that the insurance market will adjust to meet the demand for this type of coverage.

• What to Do If You Need to File a Claim

Insurance is one of those things you buy in the hope of never having to use, much like a fire extinguisher or a snake bite kit. In the unfortunate event that you do have to make a claim, there are a few things you can do that will help ensure that your claim will be approved in a timely manner.

The first step, again, is to have read your policy to understand exactly what is and is not covered. If the circumstances of your injury or loss are expressly excluded from coverage in the text of your policy, the likelihood of your claim being approved is slightly less than that of being struck by lightning while winning the lottery. In other words: it ain’t gonna happen.

When filing a claim, your two best friends are speed and documentation. Time is definitely of the essence when filing a claim. The sooner you file, the better off you’ll be. Thorough, dated documentation, in the form of both receipts and--depending on the nature of your claim--a physician’s note or police report, is an absolute must. If something is stolen or you are attacked in some way, absolutely file a report--get it in writing and get a copy to give to your insurer.

If your claim is denied, don’t panic and don’t take that initial no for a final answer. Ask why, specifically, it was denied and find out the process for resubmitting the claim. Make sure to get the reason in writing. It might just mean that more documentation or evidence is necessary to validate your version of events, not that the event in question isn’t covered.

If after doing everything right and having your claim denied again, you feel that you’re entitled to restitution, you can always hire a lawyer to advocate on your behalf. There are, in fact, lawyers who specialize in advocating for clients who’ve had insurance claims denied. Yes, it’s annoying and time consuming, but it can mean the difference between getting the pay out you deserve, and walking away with nothing.

• Do You Need Travel Insurance?

Officially our answer is “absolutely you do.” If you choose not to insure your trip and something happens, don’t say we didn’t warn you.

Unofficially, it’s really up to you, except that entrance to certain countries requires travel insurance. Also, when traveling with certain groups or organizations, the administrators of the trip might require travel insurance in order to participate. Study abroad programs, for instance, often require a policy.

Travel is no different. Most of us wouldn’t insure a $130 flight from Philadelphia to Boston, for instance, because we’d consider $130 an acceptable loss in the event that something went wrong and we couldn’t go on the trip. We wouldn’t be happy about it, certainly, but it also wouldn’t be the end of the world.

If, however, you have a severe medical condition, it may make sense to insure yourself for even short weekend trips like this. People with certain medical conditions both live with a higher level of risk in their daily lives and have a lower threshold for what is an acceptable risk.

Even if you aren’t at greater risk for accident, injury, etc., you could decide you wanted to insure this hypothetical $130 trip. It’s entirely up to you how much risk you’re comfortable with.

An expensive, once-in-a-lifetime trip should definitely be insured. We looked into ticket prices for that hypothetical trip to Vanuatu and they were about $1,500 per person from Los Angeles. If you live on the east coast you’ll need to tack on another $400-800 to make the LA flight. Not many people can swallow such a loss and not feel it.

Even worse is that most American of trips: the family vacation to Disney World. With airfare, lodging, park passes and food, a family of four can expect to pay around $5,000 for a week long trip. That’s about 8% of the average annual household income in America--$62,000. That’s a lot of money to flush down the drain because you weren’t insured.

Again, we can’t tell you how much risk you should deem acceptable. If you’re comfortable rolling the dice and paying $1,000 to fly from New York to Warsaw without travel insurance, we won’t stand in your way. And if you feel like insuring that weekend trip to Boston against every possible eventuality, that’s your prerogative.

• Alternatives to Travel Insurance

It’s worth noting that there are some alternatives to travel insurance, though as ever, you’ll need to read the fine print.

What the Airline Can Do for You

Airlines will often reimburse you in part or in full if your flight is canceled or delayed if the problem is the airline’s fault. More commonly, they will book you a seat on the next outbound flight going to the same destination. If your flight was the last of the day, the airline will often provide you with lodging for the night, as well as a meal allowance. However, these policies vary depending on the airline --it’s a good idea to read up on your airline’s policies before your date of departure to see what they will and will not do for you in the event of a screwup.

Even if an airline offers little upfront assistance in the event of a cancellation or delay, you’d be surprised what you can get by simply asking for it. Airlines are, after all, in the service industry. And though they don’t have the best reputation for customer service, they are surprisingly responsive to direct complaints.

Meanwhile, if you’re bumped off of an overbooked flight, you might have just hit the jackpot. According to the US Department of Transportation, delays can earn you a nice chunk of change . If your travel plans allow for some wiggle room, it could be well worth your while, headaches aside.

Whatever happens, though, nothing says you have to accept the airline’s first offer. You can and should negotiate better reimbursement for yourself.

What Your Health Insurance Can Do for You

Your existing health insurance may provide coverage in the event of an emergency... or it may not. It’s worth a call to your insurance provider before you travel to see what kind of coverage you can expect, if any. Typically what happens, if you’re covered, is you’ll pay out of pocket at the hospital or clinic and then your insurance provider will reimburse you upon your return home. What it almost certainly won’t do is provide coverage for medical evacuation. Very few plans offer that kind of coverage.

Ellie von Wellsheim, who travels to developing countries with generally poor medical care, insists that all of her volunteers purchase travel insurance when traveling to areas The Moon Catcher Project services. “I do say that I would like them not to just have travel insurance, but to have health insurance,” she told us, noting that your domestic insurance doesn’t always work overseas. “Look into your insurance and find out if you’re covered for medical expenses, but understand that if something catastrophic happens, you need to get out of the country, and can you afford $10-$15,000 to do that?”

Further, she noted that Medicare does not work outside of the country. If you’re insured through Medicare and are traveling overseas, it would not be a good idea to forgo medical travel insurance.

What Your Credit Card Can Do for You

Certain credit cards cover some of the same territory as travel insurance. Typically these are not the fee-free cards most people have to pay for unexpected car repairs or to replace the washing machine when it dies. These are premium cards with high fees that require above average credit. But the benefits are certainly well worth the fees.

With medical, including evacuation, lost or delayed luggage, auto, trip cancellation coverage and more, some of these cards completely take the place of travel insurance. Though they are more expensive than travel insurance policies on a single trip basis, if you’re taking more than one international trip a year, they could easily end up saving you money.

• FAQs about Travel Insurance

Can I cancel the policy and get a refund if I change my mind?

Can coverage be denied due to a pre-existing medical condition, what does travel insurance cover, will my regular health insurance cover me overseas, how much does travel insurance cost, the website i buy plane tickets from lets me buy insurance when i check out. should i, does travel insurance apply to business trips, i see some insurers offer annual policies. are they better than buying insurance trip by trip.

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• What’s Covered?

15 Best Travel Insurance Companies on the Market

There’s no one-size-fits-all solution for travel insurance. Choosing the right policy depends on your age, health background, travel destination, and risk tolerance.

The word “insurance” can be intimidating. Maybe it’s because big insurance companies are notorious for bullying every penny out of you. Or maybe you just don’t want to think about worst-case scenarios in which you’d actually need insurance. On top of that, comparing all the options can be daunting.

The truth is that purchasing travel insurance (and also using it) doesn’t have to be a terrible experience.

Travel insurance is ultimately your friend. It’s arguably your most loyal travel companion. In times of turmoil, travel insurance can quite literally save you.

What is travel insurance? It’s not just travel health insurance—if you have to cancel or change trip plans, travel insurance can help financially. And if you lose your luggage, travel insurance can cover you there, too.

As a wise man once said, “If you can’t afford travel insurance, you can’t afford to travel.” I don’t know who that wise man was, but I do believe he was right.

That said, some travel insurance companies are better than others. This is especially true depending on your travel plans and specific needs. In this article, I’ll help you figure out who the best travel insurance companies really are (and which one is the best fit for you).

If you want to skip the research and get a customized comparison and quote of 104 policies from 23 travel insurance companies, just enter your trip details into the widget below.

Let’s jump right into our list of the 15 best travel insurance companies:

• Our Top Picks
• Best Travel Insurance Company Overall: Heymondo
• Best Digital Nomad Travel Insurance: SafetyWing
• Most User-Friendly Travel Insurance: Faye
• Best Travel Medical Insurance: Trawick International
• Best International Travel Insurance: Allianz
• Best Covid Travel Insurance: John Hancock
• Best Backpacker Travel Insurance: Seven Corners
• Best Travel Insurance for Cruises: Nationwide
• Best Travel Insurance for Seniors: Tin Leg
• Best Cancel For Any Reason Travel Insurance (CFAR): Travelex
• Best Travel Insurance for Europeans: Globelink
• Best Annual Travel Insurance Plans: AIG Travel Guard
• Best Family Travel Insurance: IMG
• Best Travel Insurance for Pre-Existing Conditions: Berkshire Hathaway
• Best Travel Insurance for Europe: AXA Assistance USA

Heymondo : Best Travel Insurance Company Overall

Insurance companies aren’t known for being super easy to work with. Customer service often isn’t great, and it’s difficult to find a plan that gives you what you want without having to pay for unnecessary extras.

Heymondo is a more modern travel insurance company that prioritizes flexibility and ease of use, and they really stand out from the cloud. They have a mobile app that makes it super easy to manage your policy, and their 24/7 customer service is very responsive.

Most insurance companies only offer a few standard plans, and you are stuck to fixed dates. Heymondo changes that with a wide range of plans, add-on options, and customizations. Need high-end medical insurance? Check. Want a budget option for backpacking around the world? Check. Want an annual plan for frequent business trips? Check.

With all the options to choose from, the reasonable prices, and the great service, Heymondo is an easy pick for the best travel insurer overall.

The Heymondo Long Stay Plan works differently with a flexible renewal system that makes it easy to stay on the go for a month or twelve months and go with the flow. This is probably the most flexible plan out there for long-term travel.

If you don’t need comprehensive coverage for trip cancellation or other potential trip costs, Heymondo offers a medical-only plan that offers top-level medical insurance and emergency medical evacuation coverage at an impressively low cost. This is a great way to get medical insurance while traveling without spending an arm and a leg.

Heymondo’s other plans have all the standard options like trip cancellation coverage that reimburses 100% of your trip cost if you have to cancel (for one of their approved reasons, of course). They also have options to add on coverage for electronic equipment, adventure sports, cruises, and more.

If you make frequent shorter trips, there’s also an annual plan that covers multiple trips for an entire year.

It doesn’t make sense to purchase travel insurance that doesn’t fit your needs. Heymondo gives you plenty of options to customize your plan to your specific circumstance so you can get exactly what you need without paying extra.

• Pros & Cons
• Tons of options to choose from so you can purchase coverage that fits your needs.
• Very affordable rates available.
• Flexible renewal option with the Long Stay Plan
• Skiing and snowboarding aren’t covered activities (even with the adventure sports add-on).
• No Cancel For Any Reason coverage

SafetyWing : Best Digital Nomad Travel Insurance

If you plan to be on the road for an extended period of time, and if you’re a digital nomad, then SafetyWing is one of the best travel insurance companies for your needs.

In short, other insurance companies only cover your travels up to a limited amount of time, but SafetyWing allows you to have complete coverage for as long as you like! Your plan automatically renews every four weeks until you decide to cancel, just like a subscription.

Being location-independent, digital nomads and freelancers need insurance for travel that’s just as flexible as they are.

Furthermore, SafetyWing’s policy comes with $100,000 for both emergency medical coverage and emergency evacuation coverage in over 180 countries. Up to $1,000 in emergency dental care coverage is also included.

Although trip cancellation is not included in the plan (which can be a deal-breaker for some long-term travelers), they do offer trip interruption and trip delay coverage.

If you need to return home from your trip early, you’ll be reimbursed up to $5,000. You’ll get $100 per day if your trip is delayed, and you can claim up to $3,000 for lost/damaged baggage.

Finally, there’s coverage if you have to return home at any point. This is excellent for digital nomads who like to come and go as they please.

There’s a caveat: expensive equipment like laptops, cameras, and smartphones do not have coverage under the SafetyWing policy. If you want to make sure your equipment is protected on your trip, consider a supplemental coverage plan with InsureMyEquipment .

Click here to read our full SafetyWing review , or check out our SafetyWings vs World Nomads comparison .

• Travel for as long as you like.
• Your plan automatically renews until you decide to cancel.
• Trip delay coverage and trip interruption coverage are included.
• Coverage for at home
• Just a single standard plan to purchase (no multiple policies).
• No trip cancellation coverage.
• No coverage for electronics

Faye : Most User-Friendly Travel Insurance

Insurance companies aren’t typically known for being user-friendly. Long call waits, confusing policies, and clumsy interfaces are common, even among some of the most reputable travel insurance providers.

Faye is here to change that with a more modern approach to purchasing travel insurance. They use an app-centered approach that lets you choose your policy, customize your coverage, make changes, and file claims all from one app on your phone. The whole process is super streamlined and easy to use.

Faye is pretty middle-of-the-pack when it comes to travel insurance costs, but they offer great value for that money. They pack in solid medical coverage, trip cancellation coverage, trip interruption insurance, and lost luggage protection. You get all the standard features you expect from a good insurance policy, plus some great add-on options.

Faye is also a great choice for people with pre-existing medical conditions. These are covered as long as you purchase your plan within 14 days of making your first trip payment and are able to travel at the time of purchase.

Rather than offering different levels of insurance packages like many other providers, Faye has one simple plan that you then can customize as you see fit. This is a much easier way to get what you need rather than comparing and contrasting packaged plans.

I love being able to customize my travel policy to fit my exact needs, and Faye offers a lot of customizations and add-ons. You can bump up the medical coverage or add coverage for “cancel for any reason,” car rentals, extreme sports, vacation rentals, or even pet care. I love the flexibility to pick and choose what you need and what you don’t.

Faye’s newest feature is an included Telemedicine network. No matter where you are in the world, it’s easy to get in touch with one of their thousands of medical providers directly through the app. I’d call that next-level service when it comes to travel insurance companies!

Looking for an easy-to-use 21st-century solution to travel insurance? Faye is a great option.

• Super easy app-based system.
• Included coverage for pre-existing conditions.
• Lots of add-ons to customize your policy, including Cancel For Any Reason.
• Telemedicine feature gives you access to thousands of medical providers wherever you are
• Limited lost/damaged item coverage.
• Not the cheapest option

Trawick International : Best Travel Medical Insurance

Trawick International was founded in 1998 and initially offered student insurance and insurance for study abroad programs. They built upon their success in that field to transition fully to the travel industry, and now they are one of the top travel insurance providers out there.

Ultimately, the most important part of any travel plan is the medical coverage. Having trip cancellation coverage, baggage delay coverage, and other insurance to insure the trip cost is great, but ultimately that’s all just for peace of mind. Travel medical insurance can be a lifesaver and literally save you tens or hundreds of thousands of dollars in medical costs if you are injured or become ill on your trip.

If you are looking for the absolute best comprehensive medical coverage, Trawick International offers some fantastic travel medical insurance plans with high coverage limits and waivers for pre-existing conditions.

Trawick offers medical-focused plans (no trip cancellation coverage, etc.) that are much lower than typical full-out travel insurance costs. This is a great way to get the most important insurance without spending lots of money. Plus, you still get coverage for trip interruptions, flight delays, and baggage delays/lost baggage.

Trawick also offers comprehensive travel insurance with add-on options for cancel for any reason coverage. It probably wouldn’t be my first pick if you want all the best trip insurance, though.

• Excellent medical coverage.
• Lots of options for customization.
• Cancel for any reason coverage options.
• Very affordable medical-only plan options
• Higher comprehensive travel insurance cost than some competitors

Allianz : Best International Travel Insurance

Allianz Global Assistance is one of the largest and oldest and best companies in the industry. With multiple plans, policies, and benefits to choose from, Allianz likely has a travel insurance plan that suits your needs.

For international trips, Allianz travel insurance has some basic policies that offer coverage for only trip cancellation and not travel medical, while other policies include trip interruption coverage, coverage for loss or damaged baggage (but only up to $500 per item), and baggage delay coverage. That’s all super important when you’re traveling internationally because you don’t want to be stuck with big bills while you’re far from home.

The AllTrips Executive plan from Allianz has coverage for ALL of it—including medical coverage up to $50,000, and emergency transportation up to $250,000. Allianz also has several affordable and optional add-ons, like rental car coverage from $9 per day.

One of the best features of Allianz insurance plans is their generous cancellation policy. Most insurers have very strict requirements for approved reasons you can cancel your trip and still get the reimbursement. Allianz is easier to work with and offers cancel for any reason coverage as a standard feature for many of their higher-level plans.

Want to learn more? Check out our full Allianz Travel Insurance review.

• Lots of plans to choose from.
• Travel freely for a year on an annual plan.
• Great trip cancellation coverage (including optional cancel for any reason).
• Fast and reliable service.
• Optional add-ons, like car rental coverage
• Lower medical coverage compared to other plans

John Hancock : Best Covid Travel Insurance

Whether you like it or not, Covid has changed travel forever. Most countries may have lifted Covid-related travel regulations by now, but there are still a few countries with Covid restrictions .

If you are still worried about Covid or are traveling to a country that still has restrictions in place, it makes a lot of sense to purchase travel insurance that covers any potential Covid-related delays or trip costs (like additional hotel stays or flight changes for quarantines).

Fortunately, most travel insurance companies now offer some form of coverage for Covid. Some companies just treat it like any other illness and cover it under their medical insurance, while others have specific Covid-related policies that cover quarantine and trip delay expenses.

John Hancock has some of the best insurance policies if you’re worried about Covid-19. If you catch the ‘Rona while traveling abroad, they’ll cover your medical bills as well as any testing and lodging for a quarantine period.

Beyond Covid, John Hancock just offers good value travel accident insurance overall. You get solid coverage with trip cancellation and interruption insurance (including optional cancel for any reason coverage) and all the other features you’d expect from a comprehensive plan.

• Great protection for Covid-related expenses.
• Cancel for any reason coverage available.
• Solid medical coverage
• Higher prices than many of their competitors.
• Less user-friendly than some other insurance

Seven Corners : Best Backpacker Travel Insurance

If you’re loading everything up in a backpack and heading out for an extended trip overseas, you’re likely already stretching your funds to your limit. Purchasing travel insurance for backpackers is still a very (VERY) good idea, but you’ll probably want to find a plan that’s as affordable as possible.

Fortunately, Seven Corners offers simple, affordable plans that are perfect for backpackers seeing the world on a budget. Seven corners plans offer great bang for your buck with simple, value-packed options and reliable insurance worldwide.

With Seven Corners plans, you get all the standard travel insurance coverage you would expect: emergency medical coverage and medical evacuation, trip cancellation and interruption, baggage loss, and more. Seven Corners has two travel insurance plans to choose from: Trip Protection Basic and Trip Protection Choice. The Choice plan offers higher reimbursement amounts and a waiver for existing medical conditions.

If you don’t want or need trip coverage, Seven Corners offers insurance only for medical expenses and medical evacuation for an even lower overall cost. This is a good way to keep your expenses really low while still having the most important coverage for unforeseen events.

• Customizable group plans available.
• Seven Corners has consistently positive reviews
• Must pay more for pre-existing condition coverage.
• No cancel for any reason coverage with Seven Corners

Nationwide : Best Travel Insurance for Cruises

Did you know that you could purchase specific cruise insurance? Nationwide has an insurance plan for that (actually, a few travel insurance plans). Cruises can be a significant expense, and you’ll feel a lot better knowing that your trip is protected.

Nationwide provides unique cruise insurance coverage for issues related to cruise travel, including coverage for port-of-call itinerary changes made by the cruise line before departure, coverage for mechanical breakdowns on the ship, trip delay coverage in arriving to or departing from ports of call, and coverage for shipboard service disruptions.

Nationwide currently has three types of cruising travel insurance plans available: a Universal Cruise Plan, a Choice Cruise Plan, and a Luxury Cruise Plan. Universal is the most basic insurance policy, offering up to $75,000 for travel medical coverage and $250,000 for emergency evacuation insurance. Their trip cancellation covers up to 100% of non-refundable trip costs, while their trip interruption coverage is up to 125% of non-refundable trip costs. Yes, that includes weather-related events.

Their best and most comprehensive travel insurance plan is the Luxury Cruise Plan, for the really serious cruiser. That includes higher coverage limits as well as some extra perks like Cancel For Any Reason, non-medical evacuation coverage, and an existing condition waiver.

• Purpose-built cruise insurance policies with high coverage limits.
• Great travel assistance and customer care.
• CFAR coverage available under the Luxury Cruise Plan
• Their most basic cruise insurance plan doesn’t have great medical coverage.
• Not the cheapest policy options

Tin Leg : Best Travel Insurance for Seniors

For many people, retirement age is the time when you are finally able to plan and go on those big worldwide trips you’ve always dreamed about. Unfortunately, many travel insurance companies only offer coverage for people under a certain age. That’s where Tin Leg comes in.

Tin Leg’s insurance offers coverage for you up to age 90, making it one of the best travel insurance companies for seniors over the age of 65.

Although Tin Leg is relatively new, they’re underwritten by Berkshire Hathaway, so they’re already well established. Tin Leg also has some very competitive rates for their travel insurance plans, with their most basic insurance for travelers being the Tin Leg Economy Plan with basic trip cancellation coverage and medical coverage with limits up to $20,000.

But if you’re a senior, the Tin Leg Luxury travel insurance plan is the way to go—you’ll have coverage for up to $100,000 in medical and $250,000 for medical evacuation coverage and repatriation.

Whether you’re planning an around-the-world trip for your retirement, or just taking your grandkids on a European vacation, you’ll be happy to have Tin Leg as your insurer.

• Will insure you up until you’re 90.
• Great emergency medical coverage.
• Coverage for existing medical conditions
• Can still be more expensive for seniors

Travelex : Best Cancel For Any Reason Travel Insurance (CFAR)

When insurance companies offer trip cancellation insurance, they typically place very strict requirements on how, when, and why you can cancel and still receive reimbursement. Sometimes policies will only pay out for trip cancellation if there is some catastrophic event. If you want a bit more assurance, you’ll need to opt for Cancel For Any Reason (CFAR) coverage.

With Travelex it’s easy to upgrade any plan with Cancel For Any Reason protection, which allows you to cancel your trip at least 48 hours before your scheduled departure and still receive up to 75% of the trip cost, up to $10,000. While other travel insurance plans also offer CFAR, it’s more common for them to cover around 50% of your total trip cost.

In addition, Travelex is also one of the most customizable companies in the insurance industry today (our Travelex insurance review dives deeper into this).

Besides the optional add-ons to your policy, Travelex offers two different plans available to choose from, offering different types of coverage. Travel Basic, while affordable, only covers $15,000 of travel medical emergencies and $500 of lost or damaged baggage. However, it does include $100,000 coverage for emergency medical evacuation.

Travelex also has a second plan, Travel Select, which includes $50,000 emergency medical coverage, $1,000 lost or damaged baggage coverage, and $500,000 medical evacuation coverage. Moreover, you get 150 percent of your insured trip cost reimbursed if your trip is interrupted.

Finally, Travelex has one of the shortest look-back periods for medical conditions. While other companies have a window of 180-days, Travelex’s window is just 60 days. Travelex also offers an existing medical condition exclusion waiver to cover your condition while you’re abroad.

• Multiple children under 18 are covered for free.
• Plenty of optional add-ons for your policy.
• Medical maximum policy upgrades.
• Fast and reliable service
• Costs more than other plans on the market

Globelink : Best Travel Insurance for Europeans

If you’re a traveler from the United Kingdom or the European Union, your best bet for travel insurance is with Globelink . Prices start at just £14 ($18) for single trip plans, making it one of the most affordable options on the market.

Even the basic economy insurance includes £5,000,000 of emergency medical expenses. And £2,000 of trip cancellation coverage. In addition, if you plan to take multiple trips throughout the year, Globelink also offers multi-trip plans. They include £10,000,000 of emergency medical expenses and £6,000 of trip cancellation coverage.

Depending on where you’re traveling, you can purchase three types of destination plans. This includes Europe (and Australia and New Zealand); worldwide excluding the US, Canada, Mexico, and Japan; or worldwide all-inclusive. In other words, you have options for policies to suit your needs.

• Coverage for winter sports is free up to 17 days.
• Coverage for children under 18 is free.
• Option to add extreme sports, valuables, and event coverage
• Travel to the US, Canada, Japan, and Mexico costs extra

AIG Travel Guard : Best Annual Travel Insurance Plans

For frequent travelers, it can make a lot more sense to buy an annual plan that covers all your trips for an entire year. The Travel Guard Annual Plan is one of the best out there and can save you a lot of cash if you have several trips planned. In fact, this plan isn’t that much more expensive than higher-end single-trip plans from many other providers.

This plan includes solid travel medical expense coverage (including medical evacuation. You also get all the standard trip insurance in case flights are canceled or delayed.

One area where this plan isn’t as great is for trip cancelation insurance. You have to meet some very strict requirements to receive reimbursement for cancelling a trip.

AIG is a highly respected and reliable company with good customer service, so you can count on them to have you covered on international trips.

So, if you’re traveling a lot and are looking to cut down on travel insurance costs, the AIG Travel Guard Annual Plan is a much better option than trying to purchase coverage for each trip individually.

• Flat rate for multiple trips through an entire year.
• Much more affordable for frequent travelers.
• A reliable, well-respected company with solid service
• Doesn’t have great trip cancellation coverage.
• Lower amounts for lost/damaged baggage coverage

IMG : Best Family Travel Insurance

No matter which way you spin it, traveling with a family is expensive, and the idea of adding a new insurance policy to all your other expenses can make your wallet start to hurt. Still, you absolutely need travel accident insurance to ensure your family is protected while abroad.

The good news is that IMG offers a wide range of family-friendly plans to protect you in unforeseen events. It’s simple to put in your departure date and return date, add family members, and get a comprehensive quote. You then get a range of plans to choose from based on your needs and budget.

IMG family plans range from minimal medical-only plans to high-end comprehensive policies with personal effects coverage, CFAR coverage, and even cruise insurance. The great news is that since their travel insurance plans cover a wide range of budgets and needs, you get to choose exactly how much coverage you want to pay for.

Amazingly, many of their family plans manage to be less expensive than individual plans from some other providers while still offering great overall protection. That is a major win when you’re planning a trip with a family.

• Affordable plans for families.
• Easy process to add family members to a quote.
• Either medical-only or comprehensive travel coverage options available
• Customer service is harder to get ahold of than some providers

Berkshire Hathaway : Best Travel Insurance for Pre-Existing Conditions

If you have any chronic or pre-existing medical problems, you know that finding insurance can be difficult and expensive. Most insurance companies like to keep the risk of having a claim low, so they make it harder for people with medical conditions.

Fortunately, Berkshire Hathaway does things a little differently with their travel coverage plans. While most other providers offer options to pay more to waive medical condition exclusions, Berkshire Hathaway includes a pre-existing condition waiver as a standard feature in all their plans, even the least expensive. No extra fees. No hoops to jump through. Berkshire Hathaway Travel Protection is easily one of the best options for people with existing medical conditions.

In addition to insurance for medical emergencies, you also get everything you’d expect from comprehensive travel insurance policies. You get trip delay insurance, trip cancellation coverage, personal effects coverage, and more. Plus, the highest-level plan includes CFAR coverage.

All in all, Berkshire Hathaway Travel Protection offers some solid insurance options, especially for people who may have a hard time getting insured elsewhere because of their medical history.

• Pre-existing condition waiver included with every plan.
• Very affordable plans available.
• Highly reputable company with great service
• Relatively low travel medical insurance coverage limits.
• Berkshire Hathaway Travel protection is not available in all states

AXA Assistance USA : Best Travel Insurance for Europe

Travel insurance is all about peace of mind: when you’re far from home, you want to know that you’re covered in case something happens, whether that’s a delayed flight, lost bag, or a major injury.

At the same time, insurance costs can add up quickly, and the odds are your wallet is already hurting from all the other travel expenses. When it comes to getting the best bang for your buck, AXA Assistance USA is the absolute best option I’ve found. Not only are they one of the most respected and reliable travel insurance providers, but they also manage to offer solid coverage at some pretty impressive prices.

Like any other travel insurance provider, AXA Assistance USA gives you trip cancellation coverage, medical coverage, and emergency evacuation coverage, but there’s also a lot more included in each policy.

The AXA Assistance USA Platinum Plan (which is still less expensive than lower-level plans from many other providers) offers coverage for trip interruption up to 150% of the trip cost, pet boarding fees, missed connections, sports equipment rental, and even identity theft services. It also includes a waiver for medical conditions. Plus, you can add on more options like coverage that lets you cancel for any reason.

If you want more basic coverage, the Silver Plan still covers medical expenses, trip cancellation, and the other standards, all at some of the lowest prices I’ve seen on the market.

AXA Assistance USA plans are straightforward, and their customer service is responsive and easy to work with.

• Low prices and great value for your money.
• Solid coverage for medical expenses and trip cancellation.
• Three plan levels to choose from.
• Optional cancel for any reason protection
• Fewer customizations available than some other providers

How to Choose Travel Insurance Coverage

There you have it, 15 fantastic companies to choose from, but how do you pick the right option? Not every company is going to offer the same benefits, and there is no one best solution for everyone (or even for every trip). There are several factors you need to take into account when choosing

Here are the main things travel insurance should cover, and things to watch for when choosing a policy:

Medical Expenses and Evacuation

Medical coverage is by far the most important insurance you need when traveling. When you are outside your home country, your standard health insurance probably doesn’t protect you, so you need an insurance plan that includes medical protection in case you are injured or become ill. Without this insurance, you could end up stuck with any hospital bills for emergency care.

Travel medical insurance usually includes coverage up to a fixed maximum amount. This maximum can range from $15,000 to as high as $2 million.

I typically recommend looking for a plan that has at least $100,000 in medical insurance. Hospital bills can rack up quickly, and you don’t want to end up having to pay tens of thousands of dollars if you need medical care abroad.

If you have a pre-existing medical condition, you also need to take that into account when shopping for travel insurance, because not every policy will cover you. Look for plans that include pre-existing condition waivers to make sure you can get the protection you need.

In addition to covering medical expenses, travel medical insurance also usually includes emergency medical evacuation and repatriation. Here’s the difference:

• Medical evacuation coverage will transport you to the nearest facility that will sufficiently provide the right medical services.
• Medical repatriation will transport you to your home.
• Repatriation of remains will transport your deceased remains back to your family in case of accidental death. Nobody wants to think about accidental death, but you also don’t want to leave your loved ones in a bad situation. Repatriation is a necessity.

Trip Interruption or Cancelation

Past emergency medical expenses, travel insurance protects your financial expenses if your trip is interrupted or cancelled.

For example: say you booked a trip to Australia and spent $4000 on flights and lodging. Then your house catches on fire while you’re on the plane. Naturally, you’ll want to cancel your trip, head home, and deal with the situation. In this case, good travel insurance will reimburse you the $4000 you already spent.

Some plans will even pay more than your original trip cost if your trip is interrupted. This can help pay for unplanned hotel stays or flights on the way home. Look for plans that have 150% trip interruption coverage (or any percent higher than 100).

It’s worth noting that you can’t just cancel your trip willy-nilly and get your money back. Most policies have pretty strict restrictions on acceptable reasons for cancelling your trip and how soon before your departure date you can cancel. If you make a cancellation claim, they’ll want you to prove that it was for one of the accepted reasons.

If you don’t want to bother with that stress, look for a plan that includes “cancel for any reason” coverage. Just like it sounds, you can cancel your trip for any reason at all and get refunded. Just expect to pay a bit more for these plans.

Baggage and Personal Belongings Insurance

Most travel insurance policies will offer some insurance to reimburse you if your baggage or some other personal belongings are damaged or lost on your trip.

The important thing to note here is that the coverage typically only goes up to a fixed maximum dollar amount (and sometimes a maximum amount per bag or per item). If you’re traveling with lots of expensive stuff, you want to make sure the policy has a high enough amount to cover everything.

Missed Connections and Trip Delays

The feeling of running through the airport at top speed only to arrive at the gate and find out your plane has already left is not a good one. That’s a lot of time (and money) out the window.

Fortunately, most travel insurance plans have protection for this situation too. With missed connection coverage, travel insurance companies will pay out a specified amount if you miss a flight connection. This can help with any expenses to help you get to your end destination.

On the flip side, delayed or canceled flights can also cause huge headaches. I like having travel insurance that pays for trip delays in case I need to book an unexpected hotel stay or look for a new flight.

Again, both of these services typically have specific payout maximums, so make sure the amount is enough for your trip.

Rental Car Insurance

If you’ll be renting a car, you can always choose to add on the insurance at the rental place. It’s expensive, but going without any insurance is a bit sketchy (especially if you’re out of the country and your normal car insurance doesn’t cover you at all).

The best way to get rental car insurance without paying an arm and a leg is to bundle it in with your travel insurance. Fortunately, most providers offer a rental car protection option that’s much less expensive than the plans you get from the car rental company.

As with everything, there’s typically a maximum insured amount, so double check before you rent the Bugatti.

Other Options and Considerations

We’ve covered the basics, but there may be some specific situations where you want additional coverage. Many companies offer optional add-ons (or additional standard features) that keep you insured for any situation. Here are a few options you may want to look for.

• Adventure Sports: Travel medical insurance covers emergency medical expenses if you’re injured or sick, but they may not accept your claim if you’re participating in “risky activities.” If you want to go skydiving, skiing, climbing, or participate in some other adventure or extreme activity, make sure it’s covered under your policy.
• Vacation Rental Damage Insurance: If you’re renting a place on Airbnb (or an Airbnb alternative), you may want insurance to pay for any damages to the property so you don’t have to.
• Electronics/Equipment Insurance: Whether it’s camera gear or a backcountry ski setup, traveling with expensive equipment can be stressful. Fortunately, you can get travel insurance that covers your high-value items in case they are lost or damaged.
• Pet Care: Leaving a furry friend at home? Some travel insurance policies offer coverage to pay for additional kennelling services if your trip return is delayed in any way.

Travel Insurance FAQs

Which insurance is best for travel.

AXA Assistance USA offers impressive comprehensive plans at affordable prices.

What is the best travel insurance with COVID?

John Hancock is the travel insurance company that offers the best insurance for COVID expenses.

What are the 3 things travel insurance covers?

Travel insurance insures emergency healthcare, trip expenses, and personal belongings.

Is it better to buy travel insurance early or late?

It is best to buy travel insurance as soon as possible after you book your trip.

Does travel insurance cover accidental damage?

Accidental damage is usually covered by your lost luggage protection, even if that damage was done by you.

Jeremy Scott Foster

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Our Review of the Top 10 Travel Insurance Providers for Any Destination

Reviews of the Top 10 Best Travel Insurance Companies

Mary Purcell

Mary Purcell is a freelance writer and health and finance researcher in Piedmont, Calif., with expertise in policy analysis. She is fluent in Spanish and has a master's degree in Latin American studies from Georgetown University. Her articles have appeared on LimeHealth, Narrative, Consumer Health Interactive, and other outlets.

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Updated: October 27, 2022

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Advertising & Editorial Disclosure

Whether you're planning your honeymoon, a family trip to Hawaii or a business trip to meet new clients, travel insurance can provide protection when your plans go astray. There are generally three main types of travel insurance: travel cancellation and disruption; medical assistance and evacuation; and baggage loss and delay. We researched dozens of travel insurance companies to pick the best in the industry. The right plan for you may depend on the nature of your travels, who is traveling and your budget. But whatever your needs, these 10 picks are financially stable, reliable companies with a good track record and comprehensive coverage.

Our Top 10 Travel Insurance Providers

Best : Overall, and for families with kids Travelex Insurance Services is a leading travel insurance provider based in Omaha, Neb. Its parent company, Travelex, has been a worldwide leader in foreign currency exchange for decades, and Travelex Insurance was started in 1996. The company's travel insurance policies are underwritten by Old Republic Insurance Company and Transamerica Casualty Insurance company, which has a financial rating of A+ from A.M. Best, and TransAmerica Casualty Insurance Company, which has A.M. Best ratings of A. The company has won the international luxury travel network Virtuoso's Best Travel Insurance Provider award for eleven years in a row. It is accredited by the Better Business Bureau, which gives it an A+ rating.

Coverage: Travelex offers two main coverage plans - basic and select (family-friendly) - and two flight insurance opt-ins. They offer protection for both leisure and business travelers. Like many companies here, they cover younger children (17 and under) at no additional cost. The company boasts a high claims paid rate (previously reported at 94 percent).

Website/mobile apps: The Travelex mobile website allows you to shop and purchase policies, get emergency assistance, and access trip-related documents from your phone. You can initiate a claim and check the status of your claim online.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: Basic $377, Select $333, Max $895

Best for : Frequent travelers Allianz Travel Insurance is part of the giant multinational corporation Allianz, which has over 140,000 employees on five continents. Allianz insures over 80 million customers worldwide. The company has been around for over 100 years. In fact, Allianz insured the Wright Brothers' first flight in 1903. Today Allianz is accredited with the Better Business Bureau, which gives them an A+ rating. Its financial rating from A.M. Best is A+.

Coverage: Allianz offers a handful of distinct plans including those for frequent travelers. If you travel for business, for example, it might be worth investing in an annual plan that covers both medical and lost baggage expenses for all your trips throughout the year.

Website/mobile apps: Back in 2013 Allianz won an award for its TravelSmart mobile app, which connects travelers to approved hospitals in over 120 countries. The app also allows travelers to check on flight statuses, get emergency international assistance, and access their policy while on the road.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $304.

Best for : Luxury Travel TravelGuard is a subsidiary of AIG. Its policies are underwritten by National Union Fire Insurance Company of Pittsburgh, which has an A.M. Best financial rating of A. The company is accredited with the Better Business Bureau and has a rating of A+.

Coverage: TravelGuard includes trip assistance - including dealing with lost bags, cancelled flights, or medical emergencies - via agents who are available 24 hours a day. They offer three basic plan levels - Deluxe, Preferred, Essential - as well as numerous additional upgrades and packages. Upgrades can cover things like last-minute trips where cancellation isn't a factor. TravelGuard stands out in its overage levels - it will insure a trip coverage up to $500,000, higher than the average industry coverage. All of its plans include concierge service and 24-hour emergency assistance.

Website/mobile apps: TravelGuard has an online Claims tool that allows clients to easily file a claim from a computer or mobile device. The tool speeds up the claims process while allowing users to upload photos and documents, electronically sign claims forms, and check the status of a claim from their phones.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: Silver $252/Gold $309 / Platinum $655

Best for : Traveling with pets San Diego-based Generali Global Assistance has provided travel insurance since 1991. The insurance division has previously been known as CSA Travel Protection. Generali Global is accredited by the Better Business Bureau and has an A+ rating and an A financial rating from A.M. Best.

Coverage: CSA offers three plans: Standard, Preferred and Premium. It covers telemedicine services with its plans and medical costs if a person becomes sick or injured during their trip. It also reimburses medical costs if you pay out of pocket. As with most travel insurance companies, CSA offers 24/7 emergency assistance, concierge services, identity theft resolution services and a 10-day "free look" period. If you change your mind within 30 days of purchasing the insurance and before you start your trip, the company will provide a full refund. It offers pet relocation services: If you have a medical emergency and cannot take care of your pet while on vacation, it will return your pet home. It also has a Pet Service Locator to help you find vets or other pet services on your travels. For pre-existing medical conditions, you would need to purchase the Premium plan before or at least 24 hours in advance of your final trip payment. You will also need to be medically able to travel, and your prepaid expenses are insured.

Website/mobile apps: They walk you through the claim-filing process step-by-step on their website .

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $298.52 Standard / $346.28 Preferred / $398 Premium

Best for : Budget Adventure Travel World Nomads has targeted its insurance at independent travellers and adventure-seekers. If your vacation includes activities like kite sailing, snowboarding, or bungee jumping, this might be the company for you. The company is recommended by Lonely Planet and National Geographic Adventure... But you don't have to be an adventure seeker to benefit from the very competitive rates offered by World Nomads. The company's policies are underwritten by Lloyd's, which has an A financial rating from A.M. Best.

Coverage: World Nomad offers two levels of insurance plans, which include all of the typical coverage options. In addition, it offers coverage for cameras, laptops, digital gear, and all sorts of travel activities.

Website: World Nomads has an interactive website that allows you to ask questions related to travel and receive both informative articles and blog posts from fellow travelers. It has also developed language apps for iPhones. And you can purchase policies and file claims online from anywhere in the world.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $185 to $255. World Nomad doesn't ask the cost of your trip for the online quote, or the number of travelers, but does distinguish between single, couple, and family groups. The quote tool offers an option to donate to a cause in your destination as well.

Best for : Workaholics In addition to providing travel insurance, AXA offers trip other assistance through its network of over 9,000 staff members in over 30 offices around the world. The company has a financial rating of A from A.M. Best. American Modern Home Insurance - which has an A+ financial rating from A.M. Best - underwrites AXA travel policies. AXA Assistance has an A+ rating from the Better Business Bureau.

Coverage: AXA offers three plans (gold, silver, platinum). It offers an additional "cancel for any reason" policy, which will cover up to 75 percent of your pre-paid non-refundable trip costs. This option must be purchased within 14 days of your first trip payment, but it's a good option for people whose jobs are unpredictable.

Website/mobile app: The website provides a clear chart outlining the three levels of service and their coverage, and it is fast and easy to get an online quote.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $342 Silver / $395 Platinum / $492 Gold

Best for : Study abroad/Expats HTH Travel Insurance is a leader in providing medical coverage for international students and expatriates. The company's policies are underwritten by Nationwide, which has an A+ financial rating from A.M. Best. HTH is not rated by the Better Business Bureau, but it is a member of the U.S. Travel Insurance Association (USTIA) and has signed on to its Code of Ethics.

Coverage: In addition to providing traditional comprehensive trip insurance, HTH specializes in providing medical coverage for students, faculty, and expats living abroad. The long-term overseas coverage only covers medical issues, not trip cancellation or lost baggage. The plan will pay up to $1,000,000 for a medical evacuation and contains no lifetime limit.

Website/mobile apps: The website offers a lot of information about overseas travel and living and provides straightforward quotes. The mPassport app gives you access to thousands of doctors around the world who speak English.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: Economy $389, Classic $456, Preferred $546.

Best for : Mobile app aficionados Warren Buffet's Berkshire Hathaway is not known for travel insurance, but it is rapidly gaining recognition in the market for its technological advances in the field. It launched its travel protection program in 2014 and has been winning over customers with its fast claims payments. Berkshire Hathaway has an A.M. Best financial rating of A++. It is accredited with the Better Business Bureau and has an A+ rating.

Coverage: BHTP offers six distinct plans tailored to meet your specific travel needs. Options are available for adrenaline junkies, low-budget fliers, family vacationers, business travelers, and even those looking to relax on a cruise.

Website/mobile apps: Berkshire Hathaway is a leader in providing mobile apps to facilitate rapid claims and payments. You can file a claim online or via the mobile app, which also allows you to track flights, get help finding lost luggage, rebook flights and purchase policies. Getting an online quote is also possible, but the process isn't quite as smooth.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: ExactCare Family: $249; ExactCare: $346.

Best for : International volunteers or employees The Indiana-based Seven Corners began offering international medical insurance in 1993. Today Seven Corners offers a wide range of travel insurance to U.S. residents and foreigners visiting the U.S. It also offers group plans to companies, non-profits and U.S. government agencies seeking to protect their staff and volunteers when traveling. It is the travel insurance provider for the Peace Corps and other U.S. government agencies. Different plans are underwritten by different companies. The popular RoundTrip comprehensive plans are underwritten by Nationwide, with an A+ financial rating from A.M. Best. Other plans are underwritten by Lloyds of London or U.S. Fire Insurance Company, both of which have A ratings from A.M. Best.

Plans: Seven Corners offers a wide range of plans for almost every conceivable coverage option. Its RoundTrip plans provide comprehensive trip coverage (including trip cancellation, medical treatment, and lost property). The RoundTrip Elite plan allows you to cancel for any reason (with 75% reimbursement) and covers pre-existing conditions as long as you purchase the plan within 20 days of your trip deposit and fully insure your trip.

Website/mobile app: In 2016, Seven Corners launched a new mobile website that allows consumers to purchase plans, get 24-assistance and learn about travel insurance from their smartphones.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: Economy $416, Choice $441, Elite $462.

Best for : Hassle-free claims Founded in 1988 in France, April International now operates in 33 countries. April has an A+ financial rating from A.M. Best. Its U.S. travel insurance policies are underwritten by American Modern Home Insurance, which also has an A.M. Best rating of A+. The company is accredited with the Better Business Bureau and has an A+ rating, and it's a member of the U.S. Travel Insurance Association.

Coverage: April provides traditional comprehensive travel insurance, but it also offers an annual plan designed for people who travel at least three times per year. For fairly low prices, you can get basic coverage for trip interruption or delay, medical expenses, and baggage delay or loss. These are plans designed for frequent travelers who don't want to sweat the many small complications that can add up to big expenses. April prides itself on its Stress Less Benefits, which often allows policyholders to avoid a claims process and instead just call in their issue while traveling. If a claims report is needed, the company seeks to get it paid within 30 days.

Website/mobile apps: April has an easy to use website (though some reimbursements require the old-fashioned way) as well as a fully functional "Easy Claim" app.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $482.

We reviewed dozens of travel insurance providers to come up with this list of top companies. Our criteria for inclusion included:

Financial strength

With any insurance company, you want to be sure that your provider is financially secure and able to pay out on any potential claim you may have. We only included companies with a financial rating from A.M. Best of A or better.

Solid underwriter

Most travel insurance policies are underwritten by a third party, and often it is hard to figure this out. We made sure that the company ownership and underwriting were clearly stated and that underwriters also had a solid financial footing and reputation.

Good business reputation

Because of the industry's less-than-stellar reputation, we think it's important to look at a company's track record, including membership in professional associations. Most of our picks are accredited with the Better Business Bureau and have an A+ rating. Most are also members of the U.S. Travel Insurance Industry Association and have signed on to the group's Code of Ethics. We also looked for companies that are listed with the major travel insurance brokers.

Detailed, clear website

One of the biggest complaints about travel insurance providers is that they use complicated language and small print to trick consumers into believing that certain situations are covered when they aren't. We looked for companies with clear websites that are transparent about what is and isn't covered.

Claims satisfaction

Although the travel insurance industry does not have the level of scrutiny of the automobile or home insurance fields, we looked at reviews of consumer and claims satisfaction to rule out any with large numbers of complaints.

Excellent coverage

All of our picks offer comprehensive travel insurance that includes at least:

• Trip cancellation, interruption, delay
• Medical expenses/evacuation
• Lost/delayed baggage
• 24/7 assistance

In addition, most of these companies offer several different plans allowing you to expand coverage to include things like pre-existing conditions, "cancel for any reason," adventure travel and pets. These optional extras usually cost more and have conditions attached, so be sure to read the fine print.

We looked at the price range of each company's plans and provided a sample quote for a basic package. Experts say that travel insurance typically costs between 5 and 15 percent of the trip cost. Our quotes for basic coverage were usually less, but once you add on important features (like coverage for pre-existing conditions), the rate will increase.

Experts recommend you do your homework before buying a travel insurance policy. The industry is known for excessive exclusions and confusing language in small print. The National Consumer League recommends that you:

Check to see if you're already covered through another policy. Lots of insurance policies (including home, auto, and life) and credit cards offer partial coverage for trip interruption or medical emergencies.

Read the fine print - especially regarding exclusions. Things like pre-existing conditions, pregnancy-related issues, job loss or travel in a country that has reported a high threat of terrorism may be excluded.

Remember that you can get your money back. Lots of travel insurance companies allow you to get your money back if you cancel the plan within ten days (before travel).

Don't purchase travel insurance through airlines. Airlines aggressively push these cancellation insurance plans and pay commissions of 10 to 40 percent to the travel agents who sell them.

Consumer Reports recommends that you use an online travel insurance broker to search for a good match for your travel. Sites like Squaremouth , InsureMyTrip.com , or QuoteWright.com all allow you to shop and compare quotes. Even if you use such a service, however, Consumer Reports recommends contacting the carrier directly to go over the coverage and fine print before purchasing a policy.

U.S. Travel Insurance Association (USTIA) This professional association represents travel insurance companies and promotes ethical and professional industry standards. You can search its database for member organizations.

National Association of Insurance Commissioners (NAIC) Provides information and advice for consumers regarding when and how to purchase travel insurance.

Insurance Information Institute (III) The III is dedicated to promoting a public understanding of insurance. It has a page providing travel insurance facts.

Your state Insurance Commissioner All insurance is regulated at the state level. NAIC provides an interactive map so that you can click on your state and be directed to your state's Insurance Commissioner.

Better Business Bureau (BBB) The BBB allows you to search its vast online database to check on the reputation and any complaints that have been filed against a company.

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How to Find the Best Travel Insurance

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Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards that offer varying levels of travel insurance coverage for purchases made with the card.

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance?

How much is travel insurance?

Is travel insurance worth it?

What does travel insurance cover?

Does travel insurance cover COVID?

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Insurance Benefit: Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g., plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Underwritten by AMEX Assurance Company.

Insurance Benefit: Car Rental Loss & Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

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

Bank of America® Customized Cash Rewards credit card

Earn 3% cash back when you choose online shopping plus earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

The 5 Best Travel Insurance Companies

Planning a trip can be a lot of fun: researching amazing bucket-list activities, daydreaming about picture-perfect beaches and epic hikes, booking the cheap flights that will take you to the world’s most amazing destinations. Planning gives you ownership of your trip and lets you imagine all the wonderful adventures you’ll have.

What is significantly less fun (yet equally important) is searching for the right travel insurance plan for your trip.

Reading through the fine print, searching out reviews you can trust, picking the best plan — it can be a little tedious.

It can also be a little overwhelming.

There are hundreds of companies out there, all offering seemingly similar plans. But they all have different prices too. Which one is the best? Which review is right?

To help you figure it all out, I wanted to share my thoughts on the best travel insurance companies on the market. I’ve been backpacking since 2004 and researching companies for a living since 2007. I’ve spent a lot of time reading the fine print. (Have you ever read NY’s insurance compliance laws? Well, don’t.)

To save you time, I’ve compiled a list of the best travel insurance companies. Whether you’re heading south to escape from winter or traveling abroad on a round-the-world trip , this list will help you find a company that works for you and your budget.

Table of Contents

• Best overall insurance: SafetyWing
• Best comprehensive insurance: World Nomads
• Best for medical evacuation: Medjet
• Best insurance for older travelers: InsureMyTrip
• Best insurance for expats: Insured Nomads
• Honorable Mention: Your travel credit card

OUR TOP PICK: SafetyWing

Here’s a quick overview of SafetyWing:

• Offers super affordable monthly plans
• Plans can be purchased at home before you go or abroad after you’ve departed
• Claims can be filed online
• After being abroad for 90 days, you keep your medical coverage for 30 days in your home country (15 in the U.S.)
• Up to 2 children under 10 per family (1 per adult) can be included on your plan free of charge
• Up to $5,000 USD for trip interruption (with no deductible)
• Best for digital nomads and frugal travelers

Its plans are cheap too. It’s nice that they offer a flat monthly rate (based on coverage and age), and in 2024, they removed the deductible for non-US residents (hopefully they’ll do the same for US residents soon).

Additionally, electronics such as phones, laptops, and cameras are not covered as part of their standard policy (non-US residents can buy an electronics add-on though), and in this day and age, that’s just crazy. If the items are checked luggage and are lost/stolen, you can get reimbursed up to $500 USD per item, but who checks their expensive items?

• Super affordable
• Offers some COVID-19 coverage
• Backed by a single insurance company
• Covers up to age 69
• Can buy while traveling
• Monthly subscription model so you can cancel anytime
• No deductible for standard claims
• Fast response time (average claim takes 4 days to process)
• No trip cancellation coverage (and only minor trip delay coverage)
• Payout by wire transfer only (no direct deposit)
• Limited coverage for your gear and adventure activities

SafetyWing is a good option for anyone traveling on a tight budget who just needs basic coverage. If you want some medical coverage, don’t care about your electronics or robust trip cancellation or interruption, and just want an inexpensive plan, SafetyWing is the best.

Monthly plans start at $56.28 USD per month for travelers 18-39 years old. If you will be traveling in the USA, monthly plans cost $104.44 USD per month.

If you just want basic “I just want to be covered for the big stuff” coverage, this company is it ( read more in our SafetyWing review ).

Get a policy with SafetyWing  

World Nomads

Here’s a quick overview of World Nomads:

• Emergency medical and dental coverage
• Coverage for trip cancelations, delays, and interruptions
• Baggage protection
• Emergency evacuation (for medical emergencies and non-medical emergencies such as natural disasters)
• Medical transportation
• 24/7 customer assistance
• Coverage for some COVID-19 medical costs
• Tiers for basic and premium coverage
• Delay and cancellation coverage
• Can submit a claim after your trip ends
• Covers a wide range of adventure activities
• Offers some COVID coverage
• Everything can be done via the website
• Trusted by brands like Lonely Planet, Eurail, and Intrepid Travel
• Claims paid by check
• No car rental coverage on the Standard Plan
• No “cancel for any reason” coverage
• Does not cover pre-existing conditions

Prices vary based on your age and country of residency, as well as where you’re going and for how long. Generally, a two-week policy costs around $100 for the Standard Plan, while an Explorer Plan is closer to $200 USD.

Learn More   World Nomads provides travel insurance for travelers in over 100 countries. As an affiliate, we receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is information only and not a recommendation to buy travel insurance.  

Most insurance companies just evacuate you to the nearest hospital in an emergency, but as a membership program, Medjet goes above and beyond to ensure that you’re repatriated (i.e. sent back to the country you live in). You won’t be stuck in a foreign medical facility away from your friends and family.

There are both short-term and annual plans, too, so no matter what your travel plans are, you’ll be able to find the affordable coverage that you need.

Here’s a quick overview of Medjet:

• Extensive medical transport coverage that will get you home
• Allows you to determine to which medical facility to be moved
• Does not require government-issued warnings to initiate evacuation
• Medical transfer available in the US as well as abroad
• Both short-term and annual plans
• Available for residents of the US, Canada, and Mexico
• Language translation assistance and liaises with foreign hospital staff for you
• Will get you home (not just to the nearest “acceptable” medical facility)
• Affordable annual plans
• Two tiers of coverage: basic and premium plans
• Offers global coverage for COVID-19
• Offers coverage up to age 74 (with potential extended coverage to 84)
• Only available to North American travelers (US, Canada, Mexico)
• No trip cancellation, trip delay, or baggage coverage
• Must purchase before you leave home

Medjet is the perfect company for anyone looking to avoid time spent in foreign medical facilities should an emergency or crisis occur. It’s a great supplement to more basic travel insurance plans, especially if you’re worried about being transported home. Learn more in my comprehensive Medjet review.

Annual plans for global coverage start as low as $315 USD per person.

Get a policy with Medjet  

InsureMyTrip

With InsureMyTrip, you can compare plans from over 20 different insurance providers. It’s a great resource for senior travelers since many of the providers they recommend offer coverage for those over 65. Moreover, they offer “cancel for any reason” insurance, so, if you cancel your trip for any reason, even ones not listed under regular policies, you’ll get a percentage of your trip back.

Here’s a quick overview of InsureMyTrip:

• Guaranteed low prices
• Coverage for senior travelers over 65
• “Anytime advocates” ask the insurer to give your claim a second look if you think it was unfairly denied.
• Comparisons from over 20 different companies to ensure you get the best plan
• Accommodation coverage if quarantined at your destination
• Reviews of each policy so you can see what other travelers say
• Coverage for travelers on cruises
• Tons of plans available
• Options for senior travelers
• Assistance with denied claims
• Offers “cancel for any reason” (CFAR) plans
• Since it’s a third-party service, you’re dealing with a middleman
• Can be a bit overwhelming to sort through the different plans

Since InsureMyTrip is an aggregator, prices will vary based on your trip destination, country of residency, and travel plans.

Get a policy with InsureMyTrip  

Insured Nomads

While Insured Nomads offers your standard travel insurance, where they really shine is with their long-term traveler coverage.

I think this company is the best for expats and digital nomads looking for a robust insurance plan that covers regular doctor visits, medication, and other routine care. They also offer mental health coverage and telemedicine — options virtually no one else offers.

Most travel insurance plans are emergency care plans. Insured Nomad’s International Health Insurance is there for both everyday visits and emergencies. While it’s more expensive than your regular insurance plan, it also covers a lot more, making it a great choice for people working abroad remotely.

• Both emergency and routine care is covered
• Mental health coverage
• Optional coverage for prescription drugs, maternity, vision, dental, and vaccinations
• Family and couple plans available
• Telemedicine
• Can choose your own deductible
• Up to $2,000,000 in plan coverage
• Includes a trip to your home country for up to 15 days per 90 days of coverage
• You need to get a quote to apply since prices vary
• Their comprehensive coverage is expensive without a deductible

Plan prices vary a lot based on where you’re from and where you’re going, with coverage starting at $145.60 USD per month. While expensive, this plan is designed for remote workers and digital nomads who want robust care while they work and travel the world.

Get a policy with Insured Nomads  

Honorable Mention: Credit Card Coverage

While not the most comprehensive, many travel credit cards include some degree of travel insurance. Coverage is often limited and might only apply to trips or items purchased with the card. And there may be limited dates of coverage too.

However, something is better than nothing!

That said, while it can be tempting to rely on the free travel insurance from your credit card company, their plans are usually not that comprehensive and have minimal coverage and/or limited compensation. This is especially the case with anything medical, as credit card travel insurance tends to focus on trip delays, cancellations, and interruptions. These free plans are best used as supplemental coverage in addition to a plan from one of the companies above.

But it’s always great to have options (especially free ones). Be sure to learn more about the best travel credit cards before your next trip (you’ll have to read the fine print).

Note : If you’re traveling with a lot of expensive gear and electronics and want to be sure you’re covered, consider a policy from Clements . While its coverage isn’t as convenient to purchase as the companies above (you need to order a quote via email or phone), it has higher coverage available for gear and electronics if you think you’ll need it.

Nobody plans on getting hurt when they travel. And in a perfect world, we wouldn’t. But we all know that this isn’t a perfect world.

My bags were stolen when I was traveling in South Africa .

I popped my eardrum while diving in Thailand .

And I was even stabbed while backpacking in Colombia .

Obviously, I didn’t plan for any of these things to happen.

But they did.

And I was lucky I had travel insurance to help me cover the costs. So, before you head out on your next trip, make sure that you’re covered. Invest in your own safety and peace of mind. I promise you, it’s worth the money!

Book Your Trip: Logistical Tips and Tricks

Book Your Flight Find a cheap flight by using Skyscanner . It’s my favorite search engine because it searches websites and airlines around the globe so you always know no stone is being left unturned.

Book Your Accommodation You can book your hostel with Hostelworld . If you want to stay somewhere other than a hostel, use Booking.com as it consistently returns the cheapest rates for guesthouses and hotels.

Don’t Forget Travel Insurance Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. My favorite companies that offer the best service and value are:

• SafetyWing (best for everyone)
• InsureMyTrip (for those 70 and over)
• Medjet (for additional evacuation coverage)

Want to Travel for Free? Travel credit cards allow you to earn points that can be redeemed for free flights and accommodation — all without any extra spending. Check out my guide to picking the right card and my current favorites to get started and see the latest best deals.

Need Help Finding Activities for Your Trip? Get Your Guide is a huge online marketplace where you can find cool walking tours, fun excursions, skip-the-line tickets, private guides, and more.

Disclosure: Please note that some of the links above may be affiliate links, and at no additional cost to you, I earn a commission or fee if you make a purchase or get a quote from some parties using these links. I do not represent any of the companies above and I only work with products and companies I personally use.

Got a comment on this article? Join the conversation on Facebook , Instagram , or Twitter and share your thoughts!

Disclosure: Please note that some of the links above may be affiliate links, and at no additional cost to you, I earn a commission if you make a purchase. I recommend only products and companies I use and the income goes to keeping the site community supported and ad free.

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Home » Budget Travel » best travel insurance

Are These The Best Travel Insurance Companies? UPDATED For 2024

Our big, beautiful world is truly vast and fascinating. Nothing can replace exploring and experiencing it first-hand and deciding to travel, was certainly one of the best decisions that I ever made. However, when we are preparing for a trip, it can be all too easy to get caught up in the excitement and forget about the boring, but seriously important little details such as checking that our passport is in date, and getting travel insurance.

But, not purchasing travel insurance can  sometimes, sadly prove to be one of the biggest mistakes a person can make. No one is immune from unfortunate accidents when traveling the world and the worst can and does happen out there. I have personally had to claim on mine several times over the years and I never take a trip without it.

If you are reading this, then you probably already know why you need travel insurance so in this post we are simply going to help you try and find the  best travel insurance  for you.

The Broke Backpacker is supported by you . Clicking through our links may earn us a small affiliate commission, and that's what allows us to keep producing free content 🙂 Learn more .

Quick Answers – Are These The Best Travel Insurance Providers?

• > Starts at $42 for 28 days
• > Primarily for medical expenses
• > Subscription-based payment system

World Nomads

• > 2 Plans available
• > Can cover over 140 countries
• > Easy to purchase and customize

• > 24/7 worldwide assistance
• > streamlined app for easy claims
• > plans cover people from all over the world

• > Excellen value
• > Instant payouts via e-Wallet
• > Excellent customer service

Insure My Equipment

• > From $350/500 a year
• > Travel insurance for expensive equipment
• > Works with other cheap travel insurance

RentalCover.com

• > Only $7 – $20 a day!
• > Affordable & easy to claim
• > Cover any rental vehicle

Insure My Trip

• > For travelers over 65 years of age
• > Allows you to compare quotes

Columbus Direct Insurance

• > Travel Insurance for residence of the UK
• > Offer some kickass deals

Gadget Cover

• > UK-specific travel insurance
• > Cover your pricey and precious electronics

Best Travel Insurance: Company Breakdowns

More of the best travel insurances, why do you even need travel insurance, travel insurance and covid, top tips for buying and using travel insurance, faq about the best travel insurance, final thoughts on the best travel insurance.

Choosing the  best travel insurance for yourself  is a matter of individual need. Each policy is different and will be more or less catered to different travelers. This in-depth review highlights some travel insurance companies that I personally used and will hopefully help you to make an informed choice regarding what type of insurance you need to cover your specific adventure.

Below I will break down the top travel insurance policies, what they cover, how much they cost, and everything else you need to know to be prepared for your next trip. I have organized each of the best travel insurance reviews by category to try and make finding the right cover for your unique, personal needs that little bit more easy and straightforward. For example, will you need medical evacua tion coverage or gadget insurance?

Each company will be examined and broken down by the following details:

• General Overview of the travel insurance
• What may the travel insurance cover ?
• What are the cons of travel insurance?
• How much does the travel insurance cost?

#1 SafetyWing – Excellent Medical Insurance for Travelers

SafetyWing is a budget, easy-to-use and overall good travel insurance that is meant to be used primarily for medical expenses. With affordable rates, a very convenient payment system, and some notable perks, SafetyWing is a great choice for those who need flexible medical insurance while traveling. It is cover intended for long term travelers who don’t really need much in the way of trip interruption or cancellation cover which makes it ideal for Digital Nomads , and slow travel budget backpackers.

SafetyWing uses a subscription-based payment system , wherein travelers pay for insurance on a monthly basis, as opposed to all at once in the beginning. This method of payment can be easier on a backpacker’s wallet, especially when you consider that rates can be as low $42/month.

Of special note is the fact that SafetyWing may even offer you some medical coverage in your home country ! This means you can visit home for the holidays, a breather, a family reunion, whatever, and may still receive medical support. This sort of provider coverage is unheard of in travel insurance and makes SafetyWing really stand out from the rest. I can personally vouch for how user friendly Safety Wing are, the policy can be set up within minutes, cancelled just as easily and I found their online support to both fast and thorough in their responses.

Convenient monthly subscription model.

Can cover medical expenses when overseas.

Evacuation repatriation, and trip interruption.

Limited medical coverage in home country – 15 days out of 90 for Americans and 30 days out of 90 for everyone else.

Limited travel insurance perks stuff like baggage, disaster-relief, and travel delays.

No coverage for personal electronics e.g. computers, phones, cameras, etc.

How Much Does a SafetyWing Policy Cost?

SafetyWing can cost as little as $42 for 28 days! Compared to some private medical insurance policies, which can cost hundreds of dollars, SafetyWing has definitely earned its spot as a cheap travel insurance.

SafetyWing’s monthly premium varies depending on a set of factors, most notably the age of the applicant. You will also have higher premiums if you visit the USA (probably due to the shitty American healthcare system). Each quote is made on a case-by-case basis though, so we suggest that you go and make your own at the official SafetyWing website . We’d still consider SafetyWing to be one of the best holiday insurances as well as one of the cheapest.

In some cases, you will need to make a co-payment at treatment e.g. $50 when being admitted to Urgent Care. Be sure to consult the policy packet for more details on this.

Need help deciding between Safety Wing or Hey Mondo ? Check out our helpful guide.

#2 World Nomads – The Travel Insurance for Backpackers

We’ll go ahead and save you some precious time and energy: World Nomads travel insurance  has been designed by travelers for travelers, with coverage for more than 150 activities as well as emergency medical, lost luggage, trip cancellation and more.

World Nomads provides travel insurance in over 100 countries and if you leave home without travel insurance or your policy runs out, you can easily buy or extend while on the road – and that’s a big bonus!

World Nomads Travel Insurance Plans

World Nomads keeps it pretty simple. There are two plans to choose from: the  Standard Plan  and the  Explorer Plan . Depending on your country of residence, age, and travel destination(s), the prices will vary accordingly.

For the full list of what is covered under each insurance plan  click here .

How Much does World Nomads Travel Insurance Cost?

Good news! Each World Nomads insurance policy is customizable for each person. You can choose the exact dates and countries you want coverage for, and bam, you’re insured! Easy. Price is determined by your age, intended destination(s), length of trip, and what type of plan you go with.

#3 My Global Shield – Bargain Cover

My Global Shield is a travel insurance product that focuses on the specific needs of long-duration, frequent, and special-purpose international travelers.

My Global Shield provides insurance coverage tailored for international travelers, students, immigrants, and others. They offer a range of comprehensive options including visa traveler medical insurance, visa health insurance, visitors insurance, international travel medical insurance, trip insurance, and study abroad insurance??.

Some specific coverage details include medical coverage for accidents or illnesses while outside one’s home country, travel coverage for travel delays, lost checked luggage, emergency response, natural disasters, and personal liability. The medical coverage extends to hospital room and board, intensive care unit costs up to the overall policy limit, and local ambulance services. 

Their policy prices are very reasonable but in terms of downsides, they don’t seem to offer a multi-country “backpacker” cover at this time.

Competitive prices on cover

Plans available for short or long trips

COVID-19 coverage included

Serves travelers from most countries in the world

Not offering multi-country/backpacker policies

Some high risk activities not covered

How Much does My Global Shield Insurance Cost?

Prices vary depending on where you are going and when as well as the travellers age, health and all kind of factors. However My Global Shield do offer some good, competitive rates of cover including a 4 week premium cover that starts at $23.52.

#4 Faye – The Next Generation of Travel Insurance

Faye Travel Insurance provides whole-trip travel coverage and care that brings out the best in each journey with industry-leading technology that enables smarter and smoother assistance with faster  claims resolutions. Their app based travel insurance covers your health, your trip and your gear all via an app that provides real-time proactive solutions, quick reimbursements and 24/7 customer support.

If you ever do need to make a claim, then you simply log in to the app and the claim will be assessed super quickly from anywhere in the world!

Best of all, if the claim is successful then the funds will be immediately credited to the smart wallet on your phone or device and ready for you to spend.

In summary, we have tried and tested a lot of different insurance policies and we have never found anything one like this. The only downside we have found so far is that they can only offer cover to residents of 43 US States although there are plans to go nationwide in the future.

100% Digital Travel Insurance

Get a quote in 60 seconds

24/7 customer support

Quick claims processing – potential payouts within hours

Pre-existing condition & COVID-19 coverage included

Available in the US only

Not the cheapest provider

#5 Heymondo – Effective and Efficient

Heymondo are up-to-date when it comes to combining travel insurance with technology for a quick and easy experience. What truly sets them apart is their assistance app offering a 24-hour medical chat, free emergency assistance calls and incident management. How reassuring is that?! They also have a complication-free way to make a claim straight from your phone. No deductibles are also an added bonus.

Medical expenses are covered up to $10,000,000 USD so try not to damage yourself anything over that amount… If you’d like travel insurance that operates with that little extra swiftness and ease, give these guys a go.

24/7 help-line for medical chats, free emergency assistance calls and incident management

plans available for long, short-term and annual multi-trip travel

COVID-19 coverage included in each plan

Serves travelers from any country in the world

Baggage/personal property, travel disruption are NOT covered in the medical insurance plan

You’ll have to pay extra for more “extreme” activities such as white-water rafting, deep water sports, high altitude trekking, mountain biking, horse-riding etc…

How Much does Heymondo Travel Insurance Cost?

Each Heymondo insurance policy is customizable by date, countries you want coverage for, length of trip, and what type of plan you go with.

Here’s an example price quote for a person taking a 4-week trip to Europe from the USA.

There you have it. Heymondo offers coverage up to higher amounts compared to other insurance companies, but may be a little more expensive. It may not be the best for adventure activities, as you have to pay more for those, but overall, we find Heymondo to be great value for money with the premium plan being our top pick (you get a lot more for a little extra money).

The price above INCLUDES our exclusive 5% off pricing for Broke Backpacker readers.

#6 World First – Good Cheap(ish) Travel Insurance

World First is provides excellent budget travel insurance for UK residents (and they only cover UK residents). Whether you are going on a short trip or a  multi-month odyssey, World First offers a decent policy coverage starting at just a few bucks a day.

I appreciate how many different aspects of a trip they cover. Similar to World Nomads, World First offers coverage for a medical emergency, trip delay, lost or stolen cash and gear, legal advice, and dental treatment.

As is the case with budget travel insurance, the coverage benefits are somewhat limited (and I will cover that in the cons).

If you are looking to buy cheap travel insurance to buy yourself some travel protection, or you just need to appease your mother by obtaining insurance, buying World First travel insurance is a great choice.

Sometimes the best travel insurance for you, is the cheapest travel insurance.

Can be tailored to your own needs, budget, and intended activities.

The “Platinum” policy option can cover personal belongings up to £4000.

Maximum excess charge is just £50.

Poor dental coverage.

The reimbursement in case of death is minimal.

Only available for UK residents. Sorry…

How Much Does A World First Insurance Policy Cost?

The example below is for a 2-month trip to the USA for someone 25 years of age.

For a little over £1.16 a day you can have decent travel insurance. That’s awesome! For what you get in return, World First is an excellent coverage option and certainly one of the best travel insurance providers for budget backpackers.

Once again, Travel Insurance Terms and Conditions do vary from time to time and depending on the individual. Make sure you read the policy T & C’s very carefully.

#7 Insure My Equipment – Best Travel Insurance for Covering Electronics

Insuremyequipment.com is a website providing comprehensive travel insurance for expensive equipment (like camera gear). You can get specific pieces of gear insured so you know exactly what will be covered. I have had separate cover for my MacBook for years now and was very glad that I had it when the Mother board blew back in 2018…

Ok so an Insure My Equipment  policy works well in combination with another cheap travel insurance that covers medical expenses. That way you can have the best of both worlds; Completely protect your expensive electronics as well as yourself.

Insure My Equipment policies are excellent for professionals and backpackers with more than $3000-$4000 worth of camera equipment.

Offers the option to insure equipment that is rented or owned For owned equipment, there is a $750,000 maxlimit.

Easy to set up and clear about what is covered.

Good customer feedback.

No medical or trip protection benefits.

Not ideal for the average backpacker: Insure My Equipment specialize in protecting high-end gear.

How Much Does an Insure My Equipment Policy Cost?

Each policy offered by Insure My Equipment is tailored to the items and coverage you need.

The best way to find out travel insurance prices for your gear is to build a custom quote on their website. That way, you can find out what the insurance costs are in relation to your own equipment.

For insuring several high-end cameras lenses, a laptop, and other electronic bits, you are looking at between $350/500 a year.

Remember, Travel Insurance Terms and Conditions do vary from time to time and depending on the individual. Make sure you read the policy T & C’s very carefully.

#8 RentalCover.com – Vehicle Insurance for Travelers

Ever had a small accident on the road that turned into an expensive and nightmarish holiday? So have we. We know the pain of interrupting your travels to deal with your rental company, the repair mechanics, and your bank all at once whilst staying in a dodgy motel because you’re stuck in the middle of nowhere. There goes your holiday (sigh).

That’s why if you plan on renting a vehicle , we suggest you arm yourself with car rental insurance for your travels! You’ll avoid being stuck in a very unpleasant situation and will not only save time but also heaps of money, and most importantly, frustration.

Our top pick for rental car insurance for travel is RentalCover.com . Heard of them before? They’re super affordable and easy to purchase and claim from – what you see is what you get, so you can sit back and relax knowing that they’ve got your back.

RentalCover.com is a global independent rental insurance provider that may be able to cover any rental vehicle (cars, 4x4s, motorhomes, minibuses, etc.) from any rental company, anywhere around the world. That’s not all. On top of this, RentalCover.com may be able to cover everything excluded by rental companies. This includes, but isn’t limited to:

All these benefits make RentalCover.com our top pick for car insurance for backpackers on the market.

Policies around $10 – $15 a day.

Valid claims usually paid within  3 business days .

Policies all have  zero excess . If you’re in trouble, they refund you – end of the story.

Customizable policies to cater to every traveler.

Unfortunately, some rental companies don’t yet recognize them and insist you buy THEIR cover.

Only insures the car, not you and not the rest of your trip.

How Much Does RentalCover.com Policy Cost?

RentalCover.com policies cost only $7 – $20 a day on average depending on the destination, the vehicle type, and the driver’s age. Their price is a lot cheaper than the ones we’ve seen at the rental desk, which usually charge you around $15 – $30 a day. Also, as everything’s covered, you’ll get every penny back on what you’ve spent on repairs.

Policies around $17-$22 a day for premium

You can qualify for coverage of pre-existing medical conditions if you buy the policy prior to or within 24 hours of making your final trip payment.

Interruption coverage of up to 175% of your trip costs (Premium)

High level of baggage loss coverage at $2,000 per person (Premium)

They are one of the more expensive providers on the market.

Only their premium policy offers coverage for pre-existing conditions

We’ve gone over all of the main travel insurance companies of 2022 already, but there are a few more unique ones that need to be mentioned as well. For a more specific travel insurance, choose from these ones:

#9 Insure My Trip – Travel Insurance for Older Travelers

For travelers over 65 years of age, Insure My Trip is one of the travel insurance companies on the market.  Their website allows you to compare quotes and prices from various policies so that you can easily find the one that works for you. If for some reason you are unhappy with a plan you have purchased, you may be able to get a refund.

Overall, consider a specialized senior travel insurance to enjoy your travels fully.

#10 Columbus Direct Insurance – Travel Insurance for Ozzies and Kiwis

These guys offer some kickass deals on backpacker travel insurance for residents of the UK. If you have a pre-existing medical condition, be sure to read the terms and conditions thoroughly before taking up the insurance.

#11 Gadget Cover – Electronics Travel Insurance for UK Residents

Well, that didn’t last long. We’re back with another UK-specific travel insurance specifically for protecting your gadgets and electronics.  Cover your pricey and precious electronics while on the road. Particularly suited for people who take numerous trips per year, returning to the UK often. Gadget Cover’s Total Transparency Manifesto  makes understanding their policies plain and simple.

To us travelling with a proper insurance seems like a no-brainer, but we had to learn the hard way as well. You might be thinking:

• Why do I even need travel insurance?
• Am I wasting my time thinking about travel insurance?
• Is it important anyway?
• Where did I leave my goddamn keys?

We can answer three of those questions.

Let’s be honest. None of us wants  to pay for travel insurance. That said, nobody wants to lose a ton of money in general… and that can easily happen when you are on any given backpacking adventure.

Buying travel insurance is an investment and a safety net to guard against the unplanned craziness of traveling. Maybe you won’t use it on your first trip, or your second, or third, but you will eventually need it, and you’ll want to be ready.

Whilst hunting for the best travel insurance can be a pain in the ass, don’t worry, we have done all of the hard work for you (including learning lessons the hard way).

Things that happened to The Broke Backpacker team on the road…

• My backpack was stolen with all worldly possessions inside.
• Needed stitches in the head after crashing a motorbike in Thailand.
• Strikes in Bucharest meant getting stuck in traffic for hours and missing a flight.
• Spending two weeks in a hospital in Costa Rica after nearly dying in the jungle.
• Needed to go on an IV in Pakistan after being sick for days.
• Dengue fever in Thailand and grounded for a week in a clinic; there was no hospital nearby.

We want to point out that this all happened over nearly a decade of traveling the world. Most of the time, when you travel, nothing goes wrong. But it only takes one poor decision, a misjudged bend in the road, one sneaky-bastard thief, or plain bad luck to change everything.

A question we often get asked is whether you can buy travel insurance after departure . The answer is yes!

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What Makes a Good Travel Insurance Policy?

When trying to decide what the best travel insurance company is for you, you need to first assess your own needs. Every type of trip and traveler requires a different level of travel insurance. What may be the best travel insurance for you might not be best for the next person.

You’ll need to start asking some questions about your planned destination and what you may be doing whilst your backpacking there.

• Do you have high-end electronics you need to protect?
• Are you traveling to a dangerous country with the potential for civil unrest, political strife, or armed conflict?
• Do you plan on undertaking risky activities abroad like skiing, mountaineering, or rock climbing?
• Are you traveling long-term and just need basic protection?

Once all of these questions are answered, you can start looking for the right travel insurance for your travel needs. And let us tell you, simply going for the cheapest one might not cut it for everyone…

When COVID-19 first rocked the world in 2020, most travel insurers were quick to invoke their cancellation clauses and pull all cover relating to either illness, cancellation or disruption caused by the pesky pandemic.

These days, most insurance providers are offering some form of COVID insurance coverage included within their policies, but some are more useful than others. Whilst many now cover hospitalisation caused by COVID infections, fewer are offering any kind of cover for disruption or cancellation such as being refused boarding on a flight for displaying symptoms, or having to cancel your trip because of a positive test.

Whilst the pandemic has largely subsided, COVID is still able to severely disrupt travel plans. Therefore do consider paying close attention to the finer details of any insurers COVID-19 cover.

There are some tips and tricks when purchasing a travel insurance. To make sure that you won’t have to go through all the hassle we went through, we’ve listed our insider knowledge below.

How to Make a Claim on your Travel Insurance Policy

This is the best piece of advice we can give you: if you need to make a claim, get all your documents in order as soon as possible.

If you have been robbed you will need a police report. In general, getting a police report tends to vastly speed up payment on your claim. Most insurance companies require a report.

Keeping receipts of all the valuables you take traveling is a really good idea – the insurance company will want to see that you actually bought the items in the first place before they payout.

You need to be patient when it comes to actually getting paid as even the best insurance companies sometimes drag their feet. If the first offer that the travel insurance company makes you is ridiculously low then dispute it – the second offer is usually a lot better.

Point being, the more documentation you have regarding the items you are traveling with, the better. It’s not a bad idea to have a date-marked picture of all of your stuff before setting off on a trip.

If you do have expensive electronics, register the items with the company. That way, you can easily look up the exact model you had before you broke/lost it. If registering the equipment isn’t an option, write down the serial numbers or barcodes and stash that information somewhere safe. Jotting down the serial numbers of your phone, laptop, and camera might seem tedious and a bit overkill, but you should only have to do it once. If the time comes when you actually need that information on hand, you’ll sure be happy to have it.

Declaring Pre-Existing Conditions

First off, read all of the fine print of any travel insurance policy you buy. Almost all insurance companies will not issue payment for medical treatment you receive as a result of a pre-existing condition. If you have a pre-existing medical condition, then you should seek out recommended travel insurance that will cover you with full knowledge of that condition.

If you make a claim with a travel insurance company and they uncover your medical history (which they inevitably will), they will most-likely declare your insurance void and you will be stuck with the bill.

Insurance companies will usually do anything to avoid paying you. Having a secret pre-existing medical condition that you fail to report is a sure way to get your policy nullified. Be honest. Read the fine print. Do your homework on what is covered and what is not (especially with regard to pre-existing conditions).

Do everything in your power to ensure you get paid by the insurance company when you need to be.

Still have some questions? No problem! We’ve listed and answered the most commonly asked questions below. Here’s what people usually want to know:

Do I need travel insurance?

Yes, you do. Whether it’s a short trip or a long one, it’s better to be safe than sorry. You never know what could happen.

What is the best travel insurance for long-term travellers?

Long term travellers might have a harder time finding the right insurance. Luckily, Alpha Travel Insurance offers the best coverage for being on the roads for a long time.

What is the most reliable travel insurance for backpackers?

We can only speak from experience and we’re more than happy with the services of World Nomads travel insurance.

How do you make a travel insurance claim?

If you need to make a claim, the most important thing you need to do is have all of your documents ready BEFORE you reach out to them. That means police reports, receipts, personal information, etc.

Shopping reviews for the best travel insurance is nobody’s idea of a good time. That said, it does pay to research prices and policies and find the right company that will cover all of your needs whilst not breaking the bank.

Travel insurance is just one of those things that we would never travel without. Whichever company you end up traveling with, get to know the policy intimately. Read it yourself very carefully. We can’t emphasize that enough! The more you know your insurance policy, the more you will know about how and when to use it. Make sure you read the policy T & C’s very carefully.

As I have said before, my favorite go-to travel insurance is  World Nomads . They are affordable and may be able to insure backpackers for 100+ countries. For many travelers, World Nomads is a great company to go with.

We sincerely hope that you stay safe whilst having amazing adventures over the course of your traveling career! Happy travels… see you down the road. If you’re insured.

World Nomads provides travel insurance for travelers in over 100 countries. As an affiliate, we receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is information only and not a recommendation to buy travel insurance.

Made it this far? You get 15% OFF to book a place to stay ! Offer valid exclusively for Broke Backpackers 😉

Aiden Freeborn

Share or save this post

Thank you for sharing your insights on the best travel insurance.

I was wondering if you had any recommendations for companies that also include coverage in your home country. My husband and I have quit our jobs and are planning internationally for 6-8 months; Since we are no longer covered by our employers, we are trying to figure out how to get primary health coverage at home in addition to travel coverage – any suggestions?

Sorry, but we are not familiar with personal health insurance policies in specific countries. We can only offer advice for travel insurance. cheers

I was going to register the domain insuremycrap.com

You beat us! :p

You didn’t mentioned but the First Allied has $250 Excess. From the policy:

Section C: Medical Expenses Conditions

1. From each claim shall be deducted USD 250 being the amount of the Excess under this insurance.

Yes, you are correct. Thanks for the additional info.

Three years ago I bought travel Ins for first time ever in case luggage was lost. After buying airline ticket, bought travel ins on same website. I got sick abroad. AIG paid urgent care, tests, hospitalization 4 days, medicines, upgraded my airline ticket from coach to first class, provided nurse to travel with me from abroad to Los Angeles, wheelchair at airports, car pick up at both ends of trip, faxes, calls, portion airline ticket coach I did not use,.. Took 2 months to process full claim but I got excellent service for $50 travel insurance.

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Helping you make the most out of your money

Searching Money Mentor . . .

The best travel insurance providers.

| Editor-at-large

Updated July 31, 2024

In this guide

If you’re travelling abroad this summer, you may wish to consider travel insurance. We explain what it is and some of the best policies on the market for your holiday.

Last year, UK residents made 86.2 million visits abroad. This was over 15 million trips than what was recorded in 2022 and over four times the figure in 2021, when COVID restrictions kept many people at home. 

With many popular events taking place in Europe this year, such as the Euros and the Olympics, this figure may well rise again. So, if you’re taking time outside the country have you considered  travel insurance?

In this article we explain:

• What is travel insurance

What does travel insurance cover?

The best travel insurance, what types of travel insurance can you buy.

Read more: Passport renewal costs and waiting times

What is travel insurance?

Travel insurance covers the cost of unforeseen events and mishaps that either stop you from going on holiday or affect you while you’re away.

Depending on the policy, it might cover you for:

• Medical bills if you suffer illness or have an accident while you’re away
• Cancellation of your trip for reasons outside of your control
• Lost or stolen baggage

Policies are usually relatively inexpensive and can give you the peace of mind that your costs will be covered if something bad happens while you are on holiday.

According to the Association of British Insurers (ABI), a trade body, the average claim on travel insurance in 2022 was a little over £970. So while these policies won’t stop bad things from happening, but it can prevent you from having to find the money to pay for unexpected costs even after you return from your holiday.

Read more: Ten budget travel tips

Get annual travel insurance with LV= and earn yourself a voucher too

LV= offers comprehensive travel insurance which covers:

• 24-hour helpline if you need us while you’re away

• No limit on the number of trips you can take throughout the year

• It will cover you up to 31 days at a time on its Essential policy and up to 90 days on our Premier policy

Plus, as an added incentive, new customers can earn themselves an Amazon or Love2Shop voucher. Taking out an Annual Essential policy will earn a £5 voucher and taking out an Annual Premier policy will earn a £10 voucher

Find out more

Many people opt to take out travel insurance to cover potential medical care while away.

Every week, 3,000 Brits need emergency medical treatment while abroad, according to the ABI. But it isn’t just about covering medical costs. It can protect you against a range of unplanned events:

• Cancellation or trip interruption for reasons outside your control
• Missed transport or delayed departure for reasons outside your control
• Personal injury and death, including medical evacuation
• Lost, stolen or damaged items, including baggage, passports and money – check if your home contents insurance protects you
• Accidental damage or injury caused by you

Does travel insurance cover cancelled flights?

Most travel insurers provide basic cover for cancelled flights. Aviva’s travel insurance, for example, will pay out if your flight is cancelled due to an airport shutdown.

If your airline cancels your flight then you should claim a refund directly with them, so your travel insurance could cover other costs such as hotel bookings, vehicle rentals, and other possible excursions.

What are my rights during strike action or travel disruption?

What are my rights during strike action?

If your flights are cancelled due to strike action you might be entitled to compensation from the airline. But for this to apply, customers must have been given less than 14 days’ notice.

It also depends on whether the airline was at fault or not: so if it’s the airline’s staff who are striking, you should be entitled to compensation.

If you’re worried that your flights might be delayed or cancelled, you should also check your travel insurance policy.

Some policies cover you for a cancelled or delayed flight, provided you took out the policy before the strikes were announced.

But if you haven’t yet bought your insurance, you may be out of luck. This is because most insurers won’t cover you for strikes which were already known about.

Read how travel insurance could catch you out.

Below we’ve listed some of the best travel insurance providers on the market, all of which were nominated in Times Money Mentor awards 2023.

Times Money Mentor award winning cover

Best for over-50s

Post Office

Best for those with pre-existing medical conditions

Best for those wanting substantial medical cover  

LATEST OFFER: Earn a voucher when you take out annual travel insurance with LV=

Other notable providers

Despite not winning a nomination at the Times Money Mentor awards, these providers also offer a decent policies

Switched On

Cover for you

Expert travel advice and inspiration.

Make informed decisions about your next trip with the help of our award-winning travel writers. From city breaks and beach holidays to cruises and safaris, explore the world like never before.

Visit Times Travel

The best travel insurance for cruises

If you’re thinking about taking a cruise, it’s important to take out special additional cover such as a cruise insurance to protect you.

Cruise insurance is normally offered as an add-on to travel policies, and protects you if you:

• Miss connections to reach the departure
• Fail to get back on board after planned stops
• End up being confined to your cabin

Though if you want a dedicated travel insurance policy for a cruise, here’s an option to consider:

Just Travel Cover

Best for cruise holidays

Wine bars are out, bottle shops are in! Find your trendy local one

Bottle shops are the new wine bars. Think intimate settings, boujee food, and, of course, walls full of tasty bottles to drink. Find your nearest one here .

The best winter sports cover

If you’re planning a skiing and snowboarding trip then it’s important you have insurance that will cover you if you’re involved in an accident on the slopes.

Most travel insurers will offer winter sports cover as an optional add-on to their regular cover and will protect you if you:

• Need to be airlifted off the slopes or rescued and need medical treatment
• Turn up and there’s no snow
• Can’t start skiing and snowboarding because of avalanche risk
• Find out your equipment – such as skis, snowboard and boots – has been stolen

It’s difficult to predict what the next ski season will look like. But if you’re booking now and want cover for the essentials, here’s a policy to factor into your calculations.

InsureandGo

Best for winter sports

What should a basic travel policy cover?

When shopping for travel insurance, you should ensure your policy comes with the following seven things as standard:

1. Medical expenses

This covers the costs of any emergency medical and surgical treatment while you’re away.

It usually costs more for cover in the US as medical bills can run into the tens or hundreds of thousands of dollars. Any treatment that can wait until you get home is not usually included.

Most policies offer cover of £1 million for medical costs in Europe. This is usually £2 million in the US.

2. Repatriation

This is where you might need to be evacuated from the country you’re visiting.

Repatriation usually happens when you need to get back home to the UK in the event of a medical emergency and is usually covered as standard in most travel insurance policies.

3. Cancellation/curtailment

This covers any travel and accommodation costs you have paid for and can’t use or claim back.

You need a good reason to cancel your trip, so make sure you double check the terms and conditions of your policy.

4. Missed departure

This covers your extra accommodation costs and travel expenses should you miss your departure due to situations outside your control.

It usually includes your car breaking down or being involved in an accident. Leaving home at the last minute won’t count.

This covers you for delays to your travel plans, such as severe weather conditions.

Delays known about before (such as strikes) won’t be covered.

6. Baggage cover

This should cover you if your baggage is lost, stolen, damaged or destroyed.

You might need extra cover for gadgets or valuable possessions as there are usually limits on separate items.

Losses need to be reported within a certain time frame and you must have a written report from your airline if it loses your baggage.

7. Personal liability cover

This should cover you if you are liable to pay damages due to:

• Accidental bodily injury to someone
• Or for loss or damage to someone else’s property
• Claims made by family members or employees won’t be covered

What extra cover can you buy?

To provide a peace of mind you might be able to add the following onto your policy too:

• Wedding cover – If you’re travelling abroad for a wedding, some providers might include an add-on which covers damage to your possessions. If you think you need something more comprehensive, then consider a separate wedding insurance policy
• Gadget insurance – While you’re abroad you may wish to cover your laptop, phone, or tablet from theft or damage
• Golf equipment cover – Planning to tee off abroad? Then consider cover for moving your clubs overseas. This type of add on includes cover for your equipment if it is lost, stolen, or accidentally damaged

Read more: Is credit card travel insurance any good?

What is not covered by travel insurance?

Travel insurance won’t cover you for a risk that is known about.

For example, if you have a long-standing illness that means you can’t go on holiday, your insurer might not cover you for the cancellation costs.

Insurers also won’t cover you if you have to cancel your trip for reasons within your control. For example, if you miss your flight because you woke up late, your claim is likely to be rejected.

Travel insurance is also unlikely to cover you if you have been irresponsible. For example, if you leave your valuables in your hold luggage then your policy won’t cover you if these items are damaged.

Each policy will have specific things it won’t cover, and this will vary depending on the provider. So it’s important to read the terms and conditions carefully.

There are two main options to choose from when taking out a travel insurance policy:

• Single trip — covers you for one trip of a specified length only
• Annual multi-trip — covers you for all your trips for one year (if you travel a lot this can work out cheaper than lots of single policies)

You need to make sure that your travel insurance is valid in the country you’re going to. In the UK, providers will offer cover for:

• Europe only
• Or the more expensive, worldwide policies (these either include or exclude the US)

But check first which exact countries providers include in their policies. For example, some policies include Turkey, Morocco, Tunisia and Egypt in their Europe insurance.

There is also specific travel insurance for backpackers, which offers extra cover for those who are likely to be away for an extended period of time or travelling to multiple destinations.

Also bear in mind that if you are doing any extreme sports like skiing or going on a cruise then you might need to buy an add-on.

When should I take out travel insurance?

It’s usually best to take out travel insurance as soon as you have booked your trip.

While many people think of travel insurance as something that covers problems while they are away, some policies cover you for issues, accidents and illnesses that stop you from being able to travel.

Cancellation is one of the main reasons that people claim on a travel insurance policy. If the cancellation happens before you have bought insurance then you wouldn’t be able to claim.

How much should I pay for travel insurance?

Your premium will depend on a range of factors such as your age, health, type of policy, and destination. This is why an average travel insurance premium will likely be meaningless, so make sure to do your research and get a quote from several different providers before deciding on a policy.

Do I need travel insurance?

Unlike car insurance, travel insurance isn’t a legal requirement. However, it does come with a host of benefits such as cover for medical emergencies.

We’ve already listed the benefits of having protection for unexpected medical costs above, and it remains pertinent if you’re travelling abroad and won’t have access to the NHS. According to the ABI, there is one recorded case in 2022 when a traveller in Thailand contracted a serious blood infection which needed intensive medical treatment. The bill eventually came up to £250,000 which was paid in full by their travel insurance provider.

Do I need travel insurance for Europe

If you’re a British citizen, you’ll have access to a Global Health Insurance Card. This provides free or subsidised public healthcare in the EU, but it shouldn’t be considered a replacement for travel insurance. 

Most EU countries don’t offer free medical care like the NHS, so if you’re ill while on holiday you could still be hit with a medical bill.  

If you’re not a UK citizen, consider that some visa applications require you to have a suitable travel insurance policy in place before you apply. If you’re applying for a Schengen visa to travel Europe you’ll need a policy in place which covers medical claims up to €30,000 during your trip.

Read more: Is private health insurance worth it?

FAQs: Travel insurance and medical conditions

Many people solely take out travel insurance to protect themselves from medical expenses. According to the ABI, the average medical claim on travel cover is more than £1,300. Notoriously in the US, these figures run into the tens or hundreds of thousands of pounds.

So below we’ve answered some of the most common medical related questions on travel insurance:

Q. Does travel insurance pay out for pre-existing medical conditions?

Some insurers do provide cover for pre-existing conditions. However, it is vital that you flag these conditions during the application stage. If you don’t it could invalidate your policy.  

Q. Do you need to tell your travel insurance provider if you have a new medical condition?

If there is a significant change to your personal health then you’ll need to inform your provider. This includes being diagnosed with a new long-term illness.

Failure to do so could invalidate your policy.

Q. Can you get travel insurance if you’re over 75 with medical conditions?

Yes. In fact, there are some providers on the market which tailor their policies towards an older demographic. For example, Saga has dedicated policies for over 50s and 70s.

Important information

Some of the products promoted are from our affiliate partners from whom we receive compensation. While we aim to feature some of the best products available, we cannot review every product on the market.

What is travel insurance and is it worth it?

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Am I entitled to flight delay compensation?

Hundreds of flights were cancelled or delayed at the end of the 2023 summer holidays due to a “technical issue” with UK air traffic control systems. It left hundreds of passengers stranded. Here we explain your rights when it comes to flight compensation. Air traffic control faults are classified as “extraordinary circumstances” and therefore airlines […]

Is credit card travel insurance any good?

We explain how travel insurance on credit card works and look at the pros and cons of using it. Some rewards credit cards offer travel insurance. However, your credit card is unlikely to give you all the cover you need as full medical insurance is not included. This article will cover: Related content: What are […]

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Free Spirit

Medical Travel Insurance With No Age Limits

• Search for:

What You Need to Know About Travel Insurance Claims

Travel insurance claims and the stories behind them usually appear in the media when a traveler comes into difficulty after setting out without suitable insurance.

These stories make it clear how vital it is to ensure we have suitable insurance to cover a trip.

Are you aware of the types of things that can invalidate a travel insurance claim?

To assist, we’ve provided an insight into our claims process from start to finish. We’ll cover what you need to include on your claims form and what may affect it before sending it off. We also have some insider tips to share – so if you ever need to make a claim, it will assist in avoiding unnecessary delays and communication.

Will my travel insurance claim’s history affect the price of my policy?

No. It’s not like car insurance. When you purchase a travel insurance policy from the same or a different insurance company, we don’t request information about any previous travel insurance claims.

If you take out travel insurance regularly you may notice that the price of your policy can go up, which is primarily due to the number of claims and their value that an insurer has received when compared to the premium received.

Recently, due to the consequences of the Coronavirus pandemic, the cost of overseas medical claims has increased, leading to a significant rise in premiums.

What types of claims can I make?

If you refer to our Free Spirit Travel Insurance Policy , under each section, you can see what the cover limits are and what travel insurance claims you can make if you’re insured on the policy.

When taking out a quality travel insurance policy, you should be able to claim for the following:

• Cancellation or cutting short your trip.
• Delayed flights, missed departures, or connections.
• Medical expenses.
• Loss of Baggage, Personal Money and documents.
• Claims on gadgets.

Also, before purchasing any travel insurance policy, pay particular attention to what it won’t cover by referring to the benefits, exclusions, coverage limits plus any required waiting times under trip or baggage delay.

If you require a greater range of cover or cover for an activity not included in a Free Spirit policy, contact our team who can suggest a suitable policy for your trip.

Is there a time limit on making a travel insurance claim?

Some policies require you to claim within 48 hours of returning home. Be sure to check the time limit for making a claim by reading your policy post-purchase. Also, it’s advisable to keep all receipts and reports as you might need to submit this as evidence with your claim form.

How do I claim my travel insurance?

Free spirit’s claims process.

• Visit Free Spirit’s making a claim page.
• Download and print the right claims form.
• Complete your claim form in full.
• Identify and locate the correct documents you’ll need to send to the claims handler.
• Send the correct documents and form to the relevant address.

Our Free Spirit policy has two Claims Handlers you’ll need to contact.

• Roger Rich & Company looks after most claims. These include medical, cancellation claims and more (Cover Sections A-M).
• The Bastion Davis Group manages the gadget claims.

What happens when the form reaches the Claims Handler?

• Additional information may be requested from you in support of your claim.
• A claim will either be paid in accordance with policy terms or declined.

What information do I need to provide a Claims Handler?

The information you need to provide will depend on the type of claim you wish to make. Providing as much information as possible will help to speed up the claims process.

Cancellation claims require:

• A cancellation invoice to illustrate that the trip was cancelled or cut short. This could come from your travel agent, hotel, airline, or tour operator.
• Evidence of any refund or credit, that the supplier has given you as part of your reimbursement .

Quite often, the supplier may refund a portion of your costs. However, your insurer needs to see evidence of what the supplier has (or hasn’t) refunded you.

Medical claims require:

• All receipts and/or invoices for medical expenses.
• Your medical certification.

If you need medical treatment, contact your 24-hour Medical Assistance Company as detailed in the policy immediately to ensure they’re happy to cover the treatment and you are getting treatment from the appropriate facility.

All claims require:

• Evidence that the trip took place to confirm all costs, this includes the trip booking.
• All receipts and/or invoices that relate to the claim.
• The travel insurance policy schedule (single or annual) will provide the date the trip started and finished.

What can cause a travel insurance claim to be declined?

1. non-disclosure..

Which is industry jargon for not telling us all the information we have asked for. This is especially important when it comes to providing details of any existing medical conditions.

2. Not being able to provide evidence of the loss.

For example, if you have lost your luggage during your trip and you have not logged this with the relevant authorities/airline.

3. Travelling to a destination not covered by your policy.

For instance, if you buy a policy to cover Worldwide destinations excluding the USA, Canada etc, an insurer will not pay a claim if you travel to a destination outside of this geographical area. The exception to this is if you are transiting through a country to get to your destination. Stopover rules will vary from policy to policy, so it’s important to check the rules on this.

4. Exceeding your trip limits.

An insurer won’t expect you to be completely T-total on holiday. However, a claim could be refused if an incident has occurred because you have had too much alcohol by exceeding the policy limit.

5. Not following the rules and laws of the country you are visiting.

This is an obvious one, but it’s important to check that you are aware of the laws and local customs. Refer to the Foreign, Commonwealth & Development Office (FCDO) website to review up-to-date travel advice for each country around the world.

6. Staying overseas for longer than the period of insurance covered by your policy.

7. private facilities..

Travellers should be aware that the policy might not cover treatment in private facilities if there were medically capable public facilities available. If it’s possible, you should contact the medical assistance team before undergoing any treatment as they will be able to tell you where the nearest suitable facility is located. A tour operator, your hotel, or the taxi company might try and direct you to a private facility, so be sure to check this!

8. Expensive items.

If you take an expensive item that exceeds the maximum amount you may not be able to claim on your policy. To cover this item, you might need to source a policy with increased baggage cover or check whether your home contents insurance covers this. Our F ree Spirit Super Duper Policy covers gadgets up to £1,500. Plus, £3,000 worth of cover if personal possessions are lost, stolen, or damaged. However, cover for a single article, pair, or set limit is only £500.

Why would a travel insurance claim be thrown out?

A claim could be rejected if there is evidence of fraud, dishonesty, or misrepresentation.

What are the most frequently seen travel insurance claims?

Cancellation claims.

Cancellation claims are quite common on travel insurance. Usually the closer you are to your departure date, the less chance there is of you needing to make a cancellation claim. So this might be reflected in the price of the policy.

What cancellation claims would be valid? 

• When a trip has to be cancelled due to a family bereavement.
• If you had to cancel a trip because you became unwell due to an unexpected illness.
• If you’re suddenly called for jury service.
• In the event you’re made redundant.

Medical claims

Medical claims relating to treatment that you need on holiday, whether that’s inpatient or outpatient treatment. However, pre-existing conditions must be declared and screened or they may not be covered (and a claim may be refused).

Always remember: Travel insurance covers unexpected and unforeseen risks. 

Baggage claims

This covers lost passports, lost bags, and missing items.

See the pie chart below which illustrates the percentage of claims Free Spirit received between the 1st of January 2023 to July 30th, 2024. As you can see the most frequent travel insurance claims received are cancellation claims followed by medical expense claims.

(Data sourced from Roger Rich claims log)

Travel insurance claims are paid out

Despite the media coverage, there is evidence of travel insurance claims paying out when a valid claim has been made.

Here are some figures from the Association of British Insurers (ABI) that were released in April 2023, which gives some examples of the different claims that insurers have paid:

• One traveller needed extensive medical treatment due to a serious blood infection while in Thailand. Their insurance covered the £250,000 medical bill plus, their air ambulance back to the UK.
• An insurer met medical costs of £92,000 after a traveller suffered a heart attack during a Caribbean cruise.
• To treat a kidney infection in Spain the cost was £15,000. Thankfully this was paid for by travel insurance.

Overall in 2022, travel insurers paid out £352 million .

Purchase a Free Spirit Travel Insurance Policy with confidence

After discussing the claims process with our Claims Manager and Product Manager, and referring to a few sources above, we have hopefully helped to give you a clear and thorough understanding of how the claims process works.

If you have recently returned from a trip and wish to claim on a Free Spirit policy proceed to our making a claim page .

Stay in touch

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Experts say travel insurance is crucial: Here's how it actually works

Whether illness or weather derails plans, policies can cover a range of issues.

Whether you're a frequent traveler or setting plans for an upcoming vacation, unexpected circumstances such as bad weather can cast a cloud over a trip, which is why experts suggest investing in travel insurance.

Recently, Hurricane Beryl marked an "early and violent start" to the typical storm season. NOAA Administrator Rick Spinrad confirmed in a mid-season update earlier this month that Beryl was "the earliest category-5 Atlantic hurricane on record" -- and peak storm season is right around the corner.

With increased risk of disruptions during hurricane season through November and more people opting for shoulder season getaways after avoiding summer crowds , travelers should prepare for such worse-case scenarios to avoid losing money on hotels, activities and other bookings.

Everything you need to know about travel insurance

With an array of options in the market and various individual reasons to invest in a plan that protects your purchases, "Good Morning America" tapped top industry experts to provide insights to help ensure that even if your next getaway gets rained out, your bank account won't be drained as well.

"Things can go wrong in ways that you can't begin to imagine. And if you're unlucky and unfortunate enough to be in that position, you don't want to come back from your trip with a debt to pay off as well," Daniel Green, trip insurance expert and co-founder of Faye Travel Insurance, told "GMA."

Understand the basics before you buy bespoke coverage

Katy Nastro, spokesperson for Going.com, formerly known as Scott's Cheap Flights, told "GMA" that first and foremost, folks need to "understand all the ways in which you are already protected before dishing out for things you don't need."

"When it comes to flight insurance, under federal law, you are already protected to get a full refund or rebooked on a significantly delayed flight or cancellation, regardless of the reason," she said. "With new regulations that airlines must comply with by the end of October, seeing your refund back to your payment method will get a lot faster and more seamless."

Nastro said "many travel credit cards already have built-in trip insurance that can protect you when the unexpected happens," citing perks from the Chase Sapphire Reserve card that provide "reimbursements up to $10,000 per person for pre-paid, non-refundable travel expenses when an interruption happens."

You should always buy insurance for one simple reason -- when you start thinking -- 'I hope we have insurance,' it's one minute too late

"These cards often pay sooner than the airlines do for expenses due to misplaced bags," she added.

Nastro also suggested to check on coverage across state lines with any existing medical or car insurance policies, which could help cut down on costs.

"Specifically, when it comes to medical insurance, medical care around the world is generally a fraction of the cost compared to what it is in the U.S. So, while it could be good to have if you need stitches in Vietnam, it probably won't break the bank," she said.

Because travel insurance is subjective, Nastro said "it's worth considering when you exhaust your existing coverages to see where you might have some gaps."

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How does travel insurance work and what's actually covered?

"A great example is when you have a trip with multiple components that aren't purchased together, like a flight and cruise," Nastro told "GMA." "The cruise won't wait when your flight has been rebooked for the next day, so in this scenario, it might be worth looking at insurance on the cruise portion. You can typically add insurance after the fact, but reading the fine print is critical."

"Trip or travel insurance tends to be cheaper to buy, but is restricted to what is actually covered and often has red tape in terms of getting that reimbursement. For example, if you have an illness and need to cancel your trip, policies might require a doctor's note," she continued.

She added, "Travel insurance with 'cancel for any reason' policies tends to be more expensive to purchase, but more inclusive in terms of what is considered a 'covered' reason. The biggest caveat is that they offer a partial refund -- 50% to 75% of nonrefundable expenses."

When it comes to weather, she reiterated that reading the fine print is critical, because "the coverage typically offered is for extreme weather and scenarios where the operator cannot operate for 24 hours or more, so a typical summer thunderstorm won't make the cut."

Green added that, generally, if a customer buys travel insurance from an airline provider, since the carrier "doesn't know all the details of your trip" beyond the price and date of the flight, "if you're renting a car and traveling around -- or staying in a $4,000 hotel, you might only have $1,000 worth of insurance because at the checkout screen of American or United or Delta, they just didn't know about those costs."

"That's why I think it makes a lot more sense to buy insurance directly from either a website portal or an agent that can show you the main limits, so you know all the things you spent are covered as part of the policy," he said.

As Nastro pointed out, payment for claims can become a sticky situation, which is why Green helped craft an more seamless way to alleviate issues by providing the reassurance of immediate reimbursement: "If you have Apple Pay or Google Pay, you can access that money instantly after the claim is settled," he told "GMA."

What is shoulder season? Experts tips to save on airfare, hotels in opposite seasons

Green co-founded Faye just before the COVID-19 pandemic sent the travel industry into a tailspin, but said now, "the concern on the American mind more than anything is who's gonna pay for this? Especially in these days of inflation, if you're paying significant amounts of money for travel, and something goes wrong, you'd like to at least be made whole."

3 categories to consider for travel insurance coverage

Green explained that travel insurance can generally be broken into three categories: your investment in the trip, your belongings such as luggage and passports, and your health.

For anyone booking travel on their own, without a travel agent or adviser, Green highlighted the difference between buying travel insurance directly versus clicking "yes" on an app or checkout screen.

"You're not always being offered insurance that's in your best interest if you're just hoping that whatever your credit card comes with, or whatever your airline gives you at the end of the checkout is going to provide everything you need," he said.

He noted that one important tip for any type of travel coverage purchase is "the earlier you tell your insurance company that something has gone wrong, the more likely it is that they can help you while you're on your trip -- and helping sometimes means paying for expenses so that you don't have to be out of pocket and get reimbursement."

Weather-specific products for travel inconveniences

Products like Sensible Weather offer more specific elements to cover scenarios such as rain during a beach vacation or lack of snow for a ski trip, which may derail plans.

"The idea of travel inconvenience payments, it just takes the sting out of things," Green said. "In those scenarios, you just get a fixed, agreed amount of money -- sort of no questions asked -- You just have to prove that you actually experienced the loss in question, and then you get the full amount."

"You should always buy insurance for one simple reason -- because usually at the point when you start thinking to yourself, 'Wow, I hope we have insurance,' it's one minute too late," Green said. "Hurricane season is the perfect example of that. Once a hurricane is named, you generally can't make any claims related to the hurricane if you didn't already buy a policy."

"What we're learning about the current hurricane season is the weather is becoming unpredictable all the time," Green said. "We've heard about days where the weather was so hot in Phoenix that airplanes couldn't take off from the tarmac, hurricanes coming sooner than expected, or power failures causing an airport to not be able to operate -- and because those things are so unpredictable, playing the game of wait and see before buying your insurance rarely make sense versus justbuying it around the time you buy your trip and not having to worry about that aspect again."

How much plans cost and limitations

"There is no one size fits all when it comes to travel insurance," Green noted.

However, he said "there are rules of thumb" that industry experts often follow: "You should be willing to spend up to 10% of the cost of your trip on your insurance."

"The two biggest factors that usually affect the cost of your insurance is your age at the time of purchase, not at the time of travel, and the value of your trip," he said, adding that "every company is different."

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The 5 Best Annual Travel Insurance Plans (2024)

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

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

Here’s a breakdown of how we reviewed and rated the best travel insurance companies

The 5 Best Annual Travel Insurance Plans

Based on our team’s extensive research on annual, multi-trip travel insurance plans, we’ve named the following as our top picks. 

• Seven Corners: Trip Protection Annual Multi-Trip
• Trawick International : Safe Travels Annual Basic
• International Medical Group (IMG): Patriot Multi-Trip Travel Medical
• Allianz Travel Insurance: AllTrips Premier
• AIG Travel Guard: Annual Plan

Seven Corners Travel Insurance

Why We Picked Seven Corners

Seven Corners provides annual coverage through its Trip Protection Annual Multi-Trip plan. The plan includes COVID-19 protection, trip cancellation insurance and pre-existing condition coverage as standard, and allows for unlimited trips lasting 40 days or less throughout your policy term. You can also customize your annual trip cancellation limit, with up to $10,000 in total benefits.

Pros and Cons

Trawick international.

Why We Picked Trawick

If you’re looking for basic coverage at a low cost, Trawick International offers its Safe Travels Annual Basic plan for a flat rate of $155 per person. Coverage extends up to 30 days for each trip taken more than 100 miles from home during your coverage period and can apply to both U.S.-based and international trips. While Trawick features lower coverage limits than other providers on our list, it offers 100% trip cancellation coverage at no additional cost.

International Medical Group

Why We Picked IMG

International Medical Group (IMG) provides the highest medical coverage maximum of all the providers on our list through its Patriot Multi-Trip Travel Medical plan. The policy offers protection of up to $1 million after paying a $250 deductible for medical benefits, dental, emergency medical evacuation and more. IMG also provides medical and emergency medical evacuation coverage if you have a sudden and unexpected recurrence of a pre-existing condition. Note that you can upgrade your plan to allow for 45 days of coverage per trip versus 30 days.

Allianz Global Assistance

Why We Picked Allianz

The Allianz AllTrips Premier plan provides annual travel insurance coverage for your entire household through one plan — regardless of whether you travel separately or together. The plan includes trip cancellation and interruption benefits as standard coverage, but you can customize the coverage limits at an additional cost. The AllTrips Premier plan also provides rental car coverage, which most providers in this review lack.

AIG Travel Guard

Why We Picked AIG

AIG Travel Guard (AIG) offers one annual travel protection policy, called the Annual Plan. It provides non-flight accidental death and dismemberment coverage up to $50,000, which is not typically included in other yearly policy offerings based on our review. AIG also offers up to $100,000 specifically for security evacuations. Note that there is no age limit to purchasing a policy — the only requirements include holding U.S. residency and buying the policy no later than 24 hours before departure.

What Is Annual Travel Insurance?

Annual travel insurance — also known as multi-trip travel insurance — can protect multiple trips over a year. For frequent travelers planning several vacations in a year, an annual travel insurance plan can offer a more economical option than purchasing multiple single-trip policies . With annual travel insurance, you should only pay one premium for a year’s worth of coverage.

While each annual travel insurance plan varies by provider, you may find that per-trip or yearly coverage limits apply rather than item-specific limits. In addition, some coverages found with single-trip policies are not typically included in an annual travel insurance plan, such as trip cancellation insurance, baggage loss and rental car coverage. Providers may also not offer the option to add cancel for any reason (CFAR) coverage with an annual plan. Annual travel insurance usually focuses more on medical protection versus a broader range of coverages, based on our assessment.

Compare Annual Travel Insurance Plans

You can refer to the table below for a side-by-side comparison of our team’s picks for the best annual travel insurance policies.

* Our team gathered quotes from each provider’s website for the above-listed plans based on a 30-year-old sample traveler.

How To Choose an Annual Travel Insurance Plan

There are several steps you can take to help make the process of choosing an annual travel insurance plan easier while ensuring you pick the right plan for your needs as a traveler.

First, it is best practice to research providers before choosing an annual travel insurance plan. Not all travel insurance providers offer this type of policy, and for the ones that do, we recommend you consider industry and customer reputation when making a decision. Note the coverage limits, medical benefits and any additional add-ons each company offers. While the providers listed in this article are our top picks for annual coverage, every traveler’s needs and best-suited plan will vary.

If you have your travel itinerary for the year mapped out and know what you’re looking for in terms of coverage, consider an annual plan that aligns with your needs and concerns. For example, if you have a pre-existing medical condition , you may consider a provider that provides a pre-existing condition waiver and high medical coverage limits. If you’re more concerned about cancellation coverage, you may choose a plan that offers this type of protection, which not all companies include in their annual plans.

How Does Annual Travel Insurance Work?

Annual travel insurance works by covering a traveler during multiple trips over the course of a year. There’s usually no limit to the number of trips you can take during this time. However, companies do include limits on how long each trip can last under coverage. This limit varies by provider, but a standard threshold is a maximum of 90 days based on our review.

Some annual travel insurance benefits work on a per-trip or per-year basis. For example, a yearly plan may have a baggage loss limit that resets every trip, while it sets separate limits for trip interruption benefits for an entire year of travel. Plans are typically non-renewable, so once your coverage is up, you would have to buy a new plan to cover another year of travel.

After purchasing a plan, coverage begins on the effective date, which your provider should list within your policy documents. Coverage ends on your policy’s expiration date, which your provider should also detail within your policy. How long coverage extends per trip, and the associated coverage levels, will depend on your provider.

We recommend you read your policy carefully to ensure you fully understand the applicable limits of your annual travel insurance plan.

Benefits of Annual Travel Insurance

The benefits of an annual travel insurance plan include low costs compared to purchasing individual plans, convenience and consistent coverage across all of your trips. Learn more in the sections below.

Cost-Efficiency

Annual travel insurance plans are often more cost-efficient than several single-trip policies, according to our quote collection process. If you’re taking more than one or two trips within a year and looking for coverage on a budget, you may consider an annual travel insurance policy.

Convenience

Purchasing one travel insurance policy to cover a year’s worth of multiple trips is easier than buying several single-trip policies. You only need to worry about one set of terms, conditions, policy limits and more instead of juggling multiple plans.

Consistent Coverage

An annual travel insurance policy can ensure that coverage stays consistent throughout your travels. You can take trips of varying lengths to different destinations, but your coverage and benefits should remain the same within your term limits.

Drawbacks of Annual Travel Insurance

As with most types of insurance, there are both pros and cons to annual travel plans. These drawbacks include limited benefits and a variety of exclusions, which we’ll detail below.

Variety of Exclusions

Many providers do not include trip cancellation coverage if you purchase a basic annual policy. While some providers allow you to add these benefits to annual policies for an extra cost, coverage is not typically included as standard as with a single-trip policy.

Offers Lower Limits

Annual travel insurance limits are often lower than with a single-trip policy. If you’re looking to insure a costly trip or need a plan with high medical coverage limits, you may want to consider a single-trip plan instead.

Annual Travel Insurance vs. Single Trip Travel Insurance

You will likely notice differences and similarities when comparing annual travel insurance versus single-trip travel insurance policies. For one, both yearly and single-trip policies usually bundle travel medical, emergency medical evacuation, baggage loss, baggage delay and travel delay coverage within a standard policy . Single-trip policies, however, often include trip cancellation benefits, which many annual policies only offer as an add-on.

Both annual travel insurance and single-trip policies limit the length of trips covered. For yearly plans, limits can range from 30 to 90 days for a single trip, and you’ll need to head back to your home base in between trips. For a single-trip policy, plans often limit trip length to no longer than 180 days.

Cost Differences Between Annual and Single-Trip Travel Insurance

Annual multi-trip policies can be more cost-effective than single-trip coverage for frequent travelers, based on our review. Typically, single-trip policies may benefit travelers taking one or two trips in a year. Annual travel insurance is usually more suited for those who travel often, taking upwards of three trips or more within a year’s time.

There are times when a single-trip plan may better suit your needs compared to an annual policy. For example, if you are taking high-end, luxury trips with a high overall cost, you may benefit more from single-trip policies for each trip with high cancellation and interruption limits.

Who Needs Annual Travel Insurance?

Various types of travelers could benefit from an annual coverage plan. A multi-trip travel insurance plan is worth considering if you travel frequently for business or pleasure and do not need coverages such as trip cancellation insurance. Annual insurance may also suit travelers who like to take last-minute trips or longer vacations, as having an annual travel insurance plan in place can offer more convenience.

Annual plans are also worth considering for lower-cost trips where the primary concern is covering a potential medical emergency. As mentioned, annual plans do not usually offer trip cancellation coverage as a standard inclusion. However, they typically include medical expenses and emergency medical evacuation coverages — ideal for those looking to protect their health versus trip expenses during their travels.

If you’re taking expensive or high-value international trips throughout the year, you may prefer a single-trip policy for the trip cancellation benefits that come with each plan. Or, if you’ve booked a variety of non-refundable expenses, such as hotel or tour reservations, a single-trip plan with cancellation coverage may also better suit your needs.

What Does Annual Travel Insurance Cover?

Annual travel insurance policies offer a variety of coverages to offer financial protection if  unexpected events occur. From medical emergencies to travel inconveniences, yearly plans can provide comprehensive coverage for peace of mind.

Exclusions and Limitations of Annual Travel Policies

Annual travel insurance policies usually have the same exclusions as single-trip policies. Typically, pre-existing medical conditions are not covered. Still, some providers offer a waiver to extend coverage for medical bills or claims related to your recent medical history. Standard annual policies don’t cover adventure sports, but this coverage is often available as an add-on. Moreover, “foreseeable” events, such as natural disasters or named storms that began before you purchased your policy, are also excluded from annual travel coverage.

The coverage provided through an annual travel insurance policy also has limitations. For example, travel medical expenses and emergency medical evacuations have capped monetary limits. If the medical bills incurred during your travels cost more than the coverage you’ve purchased through your policy, you will have to cover the excess out-of-pocket. In addition, trip interruption benefits will cover a percentage of your non-refundable travel expenses, with the amount depending on your plan and provider.

According to Angela Borden, Product Marketing Specialist at Seven Corners, “One of the most common reasons for a denied claim is because a traveler misunderstood the details of their plan. If you have any questions about what’s covered, contact your provider. They’ll be able to address any concerns so that you can travel more confidently.”

We recommend you read through your annual travel policy documents thoroughly to understand the exclusions and limitations associated with your coverage. 

How To Buy Annual Travel Insurance

Purchasing an annual travel insurance policy is usually a straightforward process, as most providers allow you to get a quote and buy a policy entirely online. However, there are some specifics to pay attention to when purchasing a policy. 

Coverage Start and End Dates Vary

It is best practice to pay attention to when your coverage starts and ends with your chosen policy. Most providers specify the start date as when you begin your travels. Plans will likely end a year after your start date or when your benefits are exhausted, whichever comes first. Coverage for each trip cannot exceed the specified maximum length outlined in your policy, so take note of the stipulations around coverage start and end dates.

Understand the Claims Process

It can help to understand how to file a claim with your provider before an emergency occurs during your travels. Many companies allow you to file a claim online, but you can often speak with a claims representative during specified hours if you’d prefer to talk to someone over the phone. You’ll likely have to provide documentation for your claims, so we recommend you keep all receipts and other necessary documents during your travels.

Look for Add-On Options

Some annual travel insurance providers offer optional add-on coverages for an additional cost. You may find that you can customize your coverage limits as well. For example, Allianz and Seven Corners allow you to choose your trip cancellation coverage limits, but increasing the amount can result in an additional cost. Other companies, such as IMG, provide adventure sports riders for those looking to participate in activities such as paragliding, skydiving, windsurfing and more.

Is Annual Travel Insurance Worth It?

Annual travel insurance plans can be worth it for certain travelers . If you travel frequently for business or pleasure and prefer consistent, cost-effective insurance protection, an annual multi-trip policy may be the right choice for you over a single-trip policy. However, examining your unique coverage needs can help you better gauge whether you need a yearly policy.

“When you’ve made a financial investment in your trip or need to protect your health when you travel, travel insurance is 100% worth it. Travel insurance can reimburse you for prepaid, nonrefundable trip expenses if you need to cancel or interrupt your trip for a covered reason. This means you get money back in your pocket if the unexpected happens. Travel insurance can also reimburse you if your belongings are lost, stolen, or damaged and you need to replace them during your trip.” Angela Borden, Product Marketing Specialist at Seven Corners

We encourage you to gather multiple annual travel insurance quotes from various providers, comparing the costs and coverage limits on each policy. This can help you choose the coverage that best fits your needs.

Frequently Asked Questions About Annual Travel Insurance

What is the difference between annual multi-trip and long-stay trip insurance.

Annual multi-trip travel insurance covers multiple short-term trips — usually lasting 90 days or less — over the course of a year. Comparatively, long-stay trip insurance protects extended trips to one location and can be ideal for those working or studying abroad , taking a gap year and more.

Is an annual travel insurance plan worth it?

Annual travel insurance plans can be worth it for people who travel frequently and want affordable, consistent protection throughout the year. It may not be worth it for travelers looking for protections such as CFAR coverage or general trip cancellation benefits.

How much does annual trip insurance cost?

The average cost of annual trip insurance can range from $155 to $485 , based on quotes we gathered for multiple companies. The cost of an annual trip insurance policy will depend on factors such as your chosen plan, provider, coverage limits, add-on coverages and more. The best way to learn how much an annual multi-trip plan will cost you is to obtain free quotes from multiple providers.

Methodology: Our System for Rating Travel Insurance Companies

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

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

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

MarketWatch Guides may receive compensation from companies that appear on this page.
The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.

• Best Overall Travel Insurance
• Get Travel Insurance Quotes
• Methodology

Best Travel Insurance in California: Top Plans for Your Next Trip

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

Whether you're road-tripping to Palm Springs or passing through LAX to catch a flight around the world, the best travel insurance companies for Californians 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 California. 

Best Travel Insurance Companies in California

• 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

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 .

Get Travel Insurance Quotes in California

Faqs about the best travel insurance in california.

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 best travel insurance for adventure sports is World Nomads , which covers over 300 sports in its base plan.

How We Reviewed the Best Travel Insurance Companies

To come up with our list of the best travel insurance companies, we 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 our full insurance rating methodology for even more details.

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Travelers: Costliest Claims Driven by Most Common Workplace Accidents

Analysis of 1.2 million workers’ compensation claims reveals the costliest claims are driven by the most common workplace accidents, according to Travelers 2024 Injury Impact Report.

The data also shows first-year employees are still among those most vulnerable to injury.

The largest workers compensation insurer in the U.S. examined more than 1.2 million workers’ comp claims from 2017 to 2021.

The findings revealed that the most common workplace accidents make up the majority of claim costs. The report found that the most frequent causes of injury were:

• Overexertion (29% of claims analyzed)
• Slips, trips and falls (23%)
• Being struck by an object (12%)
• Motor vehicle accidents (5%)
• Caught-in or caught-between hazards (5%)

The top five drivers of severe claims ($250,000 or more), beginning with the costliest:

• Slips, trips and falls
• Overexertion
• Being struck by an object
• Motor vehicle accidents
• Caught-in or caught-between hazards

“Factors such as inexperience, workforce shortages and maintenance issues are all contributing to these unfortunate and often avoidable accidents,” said Rich Ives, senior vice president of Business Insurance Claim at Travelers. “While the number of injuries overall has been trending downward in recent years, our analysis shows that there’s never been a better time for businesses to invest in workplace safety and injury prevention.”

The 2024 report found that employees in their first year on the job continue to be the most vulnerable to workplace injuries, accounting for 35% of all workers compensation claims.

This year’s analysis also uncovered increases in missed workdays due to injuries.

On average, injured employees missed 72 workdays, up one day from last year’s report.

The construction industry continued to have the highest average number of lost workdays per injury (103 workdays, up from 99), followed by transportation (83 workdays, up from 77).

Injured small-business employees missed an average of 82 workdays, up from 79.

“There are tangible consequences to any injury, and many include long-term, sometimes permanent, effects,” said Chris Hayes, assistant vice president of Workers Compensation and Transportation, Risk Control, at Travelers. “By understanding where the risks were in the past, businesses can better identify what to look for and tailor their risk management and employee safety strategies accordingly to help prevent injuries from happening.”

Findings were based solely on indemnity claims, where the injured employees could not immediately return to work and incurred medical costs.

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Problems with eClaimsline credit card insurance benefits

Editor's note: The TPG staff made multiple attempts to speak with eClaimsline while working on this story but did not receive a response prior to publication. However, we did receive a statement from Allianz Partners after publishing — which is included below.

Many credit cards offer benefits like trip cancellation insurance, rental car protection or other travel insurance benefits that can help your family when problems arise during a trip. However, these perks are beneficial only if you can use them as advertised.

We receive an alarming number of emails complaining about travel insurance claims, often telling a similar story: The claim has been submitted and has gotten stuck in a loop of asking for the same documents repeatedly with seemingly no way to move forward. The vast majority of these complaints are related to one company: eClaimsline. Chase announced in July 2024 that it would be switching its insurance benefits provider .

EClaimsline provides travel insurance benefits for many of our favorite travel credit cards , particularly ones issued by Visa. Unfortunately, the process of dealing with eClaimsline has left many of our readers wondering what to do.

Here's what you should know about travel insurance provided by eClaimsline and how to improve your odds for a smooth claims process — or whether you should rely on these benefits at all.

What is eClaimsline?

EClaimsline has contracts with numerous credit card issuers to provide travel insurance benefits like rental car protection and trip cancellation insurance on Visa credit cards. As this is a third-party service, you deal with eClaimsline directly to submit claims and receive reimbursement for claims — not with your bank.

As a benefit provider, eClaimsline does not issue credit cards, nor is it owned by the bank that issues your credit card.

Which credit cards use eClaimsline?

Most Visa cards issued in the U.S. use eClaimsline if they have travel insurance benefits, including these popular travel cards:

• Bank of America® Premium Rewards® Elite credit card
• Capital One Venture X Rewards Credit Card
• Chase Sapphire Reserve®
• Chase Sapphire Preferred® Card
• U.S. Bank Altitude Reserve Visa Infinite® Card

The information for the Bank of America Premium Rewards Elite and U.S. Bank Altitude Reserve cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Problems reported with eClaimsline

As some readers report, the experience of using these benefits is frustrating — and sometimes akin to not having benefits at all.

The Better Business Bureau has not accredited eClaimsline, which has a customer rating of 1 out of 5 stars on the BBB website .

And reviews on Trustpilot are overwhelmingly negative. Out of 480 recent Trustpilot reviews of eClaimsline, 58% of these are one-star reviews. Numerous reviewers report the same problem: submitting documents, being asked for those same documents again and then repeating this process multiple times.

Many of us do not rush to leave reviews on an insurance benefit that functioned as expected — meaning reviews of these products tend to skew negatively.

The process of repeatedly sending requests for the same documents (which were already submitted) is why readers ask us if eClaimsline is intentionally creating roadblocks, hoping people will abandon their claims.

Some of our readers' experiences with eClaimsline

Here are four examples of experiences that readers have shared with us just over the past month:

• Vicki called the number on the back of her credit card to confirm that rental car insurance benefits would apply to her trip to Italy. After receiving a bill for scratches on the vehicle, she submitted a claim and supporting documents. She reported a series of long hold times, being transferred to different departments repeatedly and even an agent hanging up on her. When asking for calls at prearranged times or emails with details, the promised communication never arrived. Her claim has been "pending" since September 2022.
• Jeff had a canceled flight last year. No alternate flights were available within 24 hours, so Jeff and his wife "were told to find alternative transit." Jeff submitted a claim for a hotel stay and train tickets in August 2022 and was told to submit the same documents again several times. Jeff says eClaimsline closed his claim after sending an email to the airline and not receiving a response, and Jeff is unsure how to reopen his claim or move it forward.
• James called to request information before submitting a claim. He was provided a different number to call, and that department provided yet a different number for him to call. Then, he was told to visit a website — one unrelated to his claim or benefits. He contacted us asking how to submit a claim because he felt phone representatives were making the process difficult intentionally to discourage people from submitting claims.
• Michael took a two-week bike trip to France last July. His bicycle didn't make it, so he filed a claim for extra expenses incurred during his trip. He uploaded 75 different documents and still hasn't received a response despite being asked to upload the same documents multiple times.

While eClaimsline didn't initially respond to our inquiries about these complaints, a spokesperson for Allianz Partners, which provides third-party administration of travel insurance claims for many credit card companies, provided the following statement:

We receive about 1 million phone calls and more than 100,000 claims per year, and the vast majority of our customers are very satisfied with their experience. We are sorry that a small number of customers have experienced problems with their claims.

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

How to improve your chances for a successful, smooth claim

It's possible to file a claim by mail. However, you may find it easier to submit your claims online at eclaimsline.com — especially since the cardholder benefits guides and eClaimsline website advise this method leads to processing your claims faster.

Before you submit your claim, it's important to know the claim deadline and to ensure you file before this date. You also should know what is and isn't covered under your policy or policies to avoid spending time on claims for expenses that aren't covered.

When submitting your claim, ensure you have all of the following:

• All receipts for which you want reimbursement (should be itemized)
• Facts related to the claim, including not just costs but also dates, times, places and names of relevant people, if possible
• All documents related to the claim, such as doctor's notes and letters from an airline stating the reason for a flight delay
• Translations of any documents not in English

Adding a cover letter explaining the nature of your claim, the claim amount and a brief overview of why you're submitting the claim also may help. If you choose to file your claim by mail, do not send original documents. Instead, send copies and ensure you keep all original documents in case you need to submit them again later.

After submitting your documents, you must be your own advocate. Be polite but persistent in following up to know the status of your claim and the reason for delays.

Related: What your credit card's trip protection covers — and what it doesn't

What to do if your claim isn't moving forward

Unfortunately, many of our readers have reported confusing messages from eClaimsline asking them to submit documents that were already provided. Many of them encountered this same issue more than once. This can cause your claim to get stuck, never being processed or evaluated for payment.

What should you do if you're stuck at this point?

You can call 866-390-9735 to ask for the status of your claim and the reason for delays, as well as to explain that you have submitted the requested documents previously. While the representative answering the phone likely doesn't work in the claims evaluation department, this person may be able to add notes to your claim saying the requested documents were submitted (ask them to note the date that you submitted these if you know it).

You also have the right to file a complaint with the Better Business Bureau and with consumer advocate organizations in Virginia (where eClaimsline is headquartered).

While you have the right to complain to your credit card issuer, this may not make a difference. Likely, you will be told to contact the benefits administrator — eClaimsline — for any issues related to your claim. That said, enough complaints about benefits providers may get the attention of decision-makers at the credit card-issuing bank.

In 2022 an Allianz Partners spokesperson included the following context for some of these delays as well as some optimistic notes for the future:

All travel suppliers have struggled over the past few years with customer service challenges due to staffing levels being impacted by the pandemic, challenges in staffing up rapidly when travel volumes rebounded suddenly and significant travel disruptions that have led to a tremendous volume of customers seeking assistance at the same time. While we haven't been immune to these same challenges, we have been working hard to overcome them and provide the best possible level of service to consumers. In 2023, we feel that we have turned the corner on many of the challenges being faced by companies in the travel sector and that consumers can expect a much improved customer service experience.

Should you buy additional insurance?

After reading the information above, you may wonder whether you should rely on eClaimsline-provided insurance benefits or purchase your own insurance instead.

This will be a personal decision based on how worried you are about the claims process, how much money you may need to float while waiting for reimbursement on a claim and an understanding of what is and isn't covered by your credit card's insurance.

TPG Director of Content Eric Rosen chose to buy rental car insurance from the rental agency on a recent trip. "While I've had good experiences and quick responses from eClaimsline for rental car fender benders here in the U.S.," numerous delays over several months with a rental in France led him to purchase rental car insurance in South Africa recently. He decided to pay "$7 extra a day ... because of the hassle it would save me should something go wrong." His claim in France left him waiting for several months to receive a $500 reimbursement (which he needed to pay upfront), leaving him anxious about fronting hundreds of dollars again.

I also don't rely on my credit card's travel insurance. There are several reasons why, including gaps in coverage, lack of coverage for certain activities and the fact I may not remember which part of my trip was paid for with which credit card. To me, having an annual policy that covers all of my trips is much more convenient.

Chris Wyde, senior vice president of engineering at TPG, also carries an annual policy. This is because his policy covers everyone in his household, not just the cardholder or authorized users of the credit card. He thinks it's worth paying for the policy, rather than relying on his card's insurance, due to this benefit and extra coverage for political strife or medical evaluation.

Not everyone will come to the same conclusion, but it's worth evaluating your credit card's insurance benefits — and doing so before you need them. You may decide they're sufficient or may decide you don't want to (or can't) pay for an extra policy. Make this decision based on your situation and what's best for your next trip.

Related: Here's why I buy an annual travel insurance policy, even though my credit cards offer travel protections

Why credit card issuers should pay attention to this issue

We don't know the exact number of claims that eClaimsline evaluates each year, and it's likely that many of these claims are processed and paid in an efficient manner. However, the number of complaints from our readers and written about online merit consideration before your next trip.

The credit card companies do not own or manage eClaimsline, and they will remind you of this if you contact them about your claim or problems with eClaimsline. This is despite the fact that many complaints about eClaimsline describe them as "Chase insurance" or "Capital One insurance," for example — so we believe the credit card issuers contracting eClaimsline have a vested interest in looking into these issues related to a company acting on their behalf to provide services to their customers.

Bottom line

Travel insurance provides a safety net and peace of mind on your next trip. Many travel credit cards provide these benefits, and receiving these perks from your card — rather than buying a separate policy — can be advantageous.

However, your cardmember insurance benefits are worthwhile only when they function as advertised. With eClaimsline, we receive reports weekly from frustrated readers who wonder whether these benefits are "as advertised." After understanding what's covered, what isn't and others' experiences, you can decide whether to rely on the insurance benefits from your credit card or purchase a separate policy.

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.