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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, travel insurance with no excess.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

What is travel insurance excess?

Most insurance policies include an excess, whether it’s insurance for your holiday, your car or your dog. This is an amount that you’d have to pay when you make a claim. For example, if you had a crash in your car and the cost of repairs was £1,000, and you had an excess of £100, you’d pay £100 and your insurance would pay the other £900.

Our travel insurance policies include an excess as standard, but we give you the option to remove it* when you buy your policy. Removing the excess increases the price of your policy a little (usually only by a few pounds) but it means you won’t have to pay us anything if you make a claim. So the £1,000 repairs we spoke about earlier, would be completely covered by the insurance and you wouldn’t pay a penny. Easy, really!

* Make sure you check the policy  terms and conditions , as there are some cases where an excess would still apply

*Discount excludes any premium generated to cover medical conditions or optional extras & is automatically applied. This offer cannot be used in conjunction with any other offer. Discount tiers of 5% for premiums between £0-49, 10% for £50-249, & 20% for £250+ apply. Offer ends at 23:59 on 30/09/24. T&Cs apply.

• Unlimited emergency medical expenses available on Black level policies.
• InsureandGo’s Gold achieved a Which? Best Buy.

Insurance for nomads

Travel medical insurance. We cover people from all over the world, while outside their home country.

Buy while abroad

Sign up for Nomad Insurance before you depart or at any point during your journey abroad.

Global coverage

Travel with continuous coverage across 180+ countries. US coverage is extra.

Simple claims process

Tell us what happened and submit supporting documents to get your money back.

24/7 human support

Our friendly customer care specialists respond in less than a minute via live chat.

Pricing calculator

Customize your policy to see how much Nomad Insurance will cost you.

US coverage

Adventure sports

Electronics theft

Paid every 4 weeks, cancel anytime

We've got you covered

Read the full policy to see what we cover as well as what we do not cover. If you have any questions, you can always reach out to our friendly customer care team.

If you get sick or injured while abroad

• hospital stays
• nursing care
• ambulance for hospitalization
• diagnostics like MRIs
• extended care after hospital
• prescriptions
• emergency dental (up to $1000)
• and more...

Evacuation to a better equipped hospital when you need it

Lost checked luggage

Injuries from leisure sports & activities

Motor accidents

Flights home if something bad happens

Meals & accommodations if you have a travel delay over 12 hours

Continued coverage for visits back home

Transporting your body home or a local burial if you die

Policy maximum limit

We do not cover

Our exclusions include high-risk or professional sport activity, pre-existing conditions, cancer treatment, lost or stolen personal belongings, trips that were cancelled before you left

Wesley Dekadt

Frequently asked questions

Where can i travel with nomad insurance, can i buy nomad insurance, what are the benefits of auto-extending my policy every 28 days, how do i cancel my plan, how do i file a claim, ready for your nomad adventure.

Cheap Travel insurance that's as unique as you are.

enjoy the world knowing you're covered from only £6.79*

Key policy benefits

Up to £15 million for medical treatment, cover for trip cancellation and returning home, protection for lost, stolen or damaged belongings, single trip and annual policies available.

We are an online specialist and we pass on our efficiencies to you, which allows us to offer some of the cheapest travel insurance policies on the web.

There's no need to sacrifice cover for price as we add more as standard, including 100 sports and activities & £15 million in overseas medical expenses. All direct policies include zero excess. So, how do we compare with other travel insurers? We've put together a list of travel insurance policies so you can compare us against our competitors. At CoverForYou, the only thing we believe in more than transparency is attempting to offer the best value travel insurance in the UK - you can see our comparison page here . You can also see a quick snapshot of how we compare below;

Why choose us

Over 10 million

Working hard to earn your trust

We go above and beyond to provide great quality services:

Working with Feefo allows our customers a voice to tell us how we're doing - all genuine CoverForYou customers who have insured with us are offered the chance to review.

The Foreign, Commonwealth and Development Office (FCDO) website provides important information on travel advisories so you can stay safe whilst abroad.

Get started today!

Understand our cover, view our products.

Important Notice: Your policy is sold and administered by Worldwide Internet Insurance Services Limited (trading as CoverForYou) an insurance intermediary licensed in Gibraltar by the Financial Services Commission under Permission Number 5570 (click here to confirm) . This insurance is underwritten by Inter Partner Assistance S.A which is authorised and regulated by the National Bank of Belgium, with a registered head office at Boulevard du Régent 7, 1000 Brussels, Belgium. Authorised by the Prudential Regulation Authority (firm reference number 202664). Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Inter Partner Assistance S.A. UK branch office address is 106-118 Station Road, Redhill, RH1 1PR, Inter Partner Assistance S.A. is part of the AXA Group.

Use of our website is subject to our Terms & Conditions , this includes our Privacy Policy , Cookie Policy , and if you purchase a policy our Transactional E-Mail and SMS Communications Policy .

© Copyright 2024 CoverForYou

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

Best Cheap Travel Insurance of October 2024

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.

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

Best Cheap Travel Insurance Plans of 2024 Summary

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

Top Cheap Travel Insurance Company Comparison

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

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

Best Cheap Travel Insurance Overall

Hth worldwide travel insurance.

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

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

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

Read our HTH Worldwide travel insurance review .

Best Cheap Travel Insurance for Trip Cancellation

Aegis general travel insurance.

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

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

Read our Aegis travel insurance review .

Best Affordable Travel Insurance for Medical Coverage

Geoblue travel insurance.

GeoBlue is a travel insurance provider that specializes in travel medical insurance. Because it doesn't offer much trip protection or travel inconvenience coverage, it can charge cheaper premiums. A 30-year-old from California would pay as low as $20.55 for a policy that covers a two-week trip.

GeoBlue plans can cover medical expenses up to $1 million with several multi-trip annual plans available. It offers coinsurance plans for trips within the U.S. and 100% coverage for international trips. It also has a network of clinics in 180 countries, streamlining the claims process. It's worth noting that coverage for pre-existing conditions comes with additional costs.

Read our GeoBlue travel insurance review .

Best Cheap Travel Insurance for Families

C&f travel insured.

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

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

Read our C&F Travel Insured review .

Best Cheap Travel Insurance for Value

Nationwide travel insurance.

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

Read our Nationwide travel insurance review .

Best Cheap Annual Travel Insurance

Trawick international travel insurance.

Trawick offers three ties of coverage for annual multi-trip travel insurance: Basic, Deluxe, and Executive. Its Basic plan offers coverage for multiple trips under 30 days with $2,500 of travel cancellation coverage over the policy term and $10,000 in emergency medical coverage. It costs a flat $163 per person. The flat fee is great for older travelers who may have to pay more for coverage elsewhere.

Read our Trawick travel insurance review .

Types of Affordable Travel Insurance

Comprehensive travel insurance coverage.

This type of travel insurance offers both travel medical insurance and trip cancellation coverage. Depending on your policy, you may also get benefits like lost baggage, trip delay, and emergency evacuation coverage. 

Premiums for comprehensive coverage will be higher than if you bought trip cancellation on its own. However, you can still get cheap comprehensive coverage. You'll just need to choose a lower coverage level. While this may not be ideal for more expensive trips, lower coverage should be sufficient for budget travel.

Medical-Only Coverage

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

Evacuation and Repatriation

In extreme cases where you need to be evacuated due to a medical emergency or a natural disaster, this coverage ensures that you can return home safely without incurring huge costs. It's a particularly important benefit for cruise insurance , where sea-to-air evacuations can be costly.

Similar to medical-only coverage, doing away with trip cancellation and inconvenience coverage can save you money.

Benefits of Opting for Cheap Travel Insurance

Cost savings.

Just because a travel insurance policy is cheap doesn't mean it's lacking. Many affordable policies offer substantial coverage, giving you peace of mind without breaking the bank. It'll also leave you with more money to spend during your trip

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

Adequate Coverage for Less

Not every trip needs the most comprehensive insurance policy. If you're taking a short, cheaper trip, you simply might not need that much coverage. That's where a cheaper travel insurance company may be able to offer you the coverage you need. 

How to Pick The Best Cheap Travel Insurance Plan for You

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

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

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

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

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

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

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

Convenience and Flexibility

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

Sufficient Coverage in Essential Categories

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

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

Best Cheap Travel Insurance FAQ

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

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

When shopping for travel insurance, consider the type of trip you're planning. If you're planning leisurely excursions in a big city, you may not need as much emergency medical coverage as you would if you're planning a serious hiking expedition in the mountains. A good plan should include trip cancellation, some emergency medical protection, and 24-hour assistance at a minimum.

The average cost of travel insurance is 4%-8% of your trip's cost. This usually translates into a premium between $89 to $399. That said, many companies offer premiums far below average costs.

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

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How to Find the Best Travel Insurance

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What 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

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

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

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

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

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

• Get covered in 2 minutes
• 1,000's of medical conditions considered
• £10m medical cover
• 14 Day Cooling Off Period

Excess Waiver Travel Insurance

Cover for trips up to 94 days!

Save 15%Ɨ online

Zero excess travel insurance is a common option for lots of traveller. Opting for the excess waiver will result in a slightly higher initial premium, however, travelling with a zero excess travel insurance policy could save you hundreds in the event that you need to make a claim.

If you would like to travel with one of Get   Going’s zero excess policies, you can opt for the excess waiver, on the options page, during your quote journey. 

The benefits of excess waiver travel insurance

Having the option of an excess waiver extension hands you the reigns and enables you to tailor the perfect policy.

•       Travel insurance with no excess is accessible on all cover levels: Basic, Standard and Premier.
•       Excess waivers can be selected alongside multiple other extensions including: Winter sports, gadget, cruise and force majeure extensions.
•       All policy types can be adapted to be no excess travel insurance, including: Single Trip , Multi Trip , Longstay and Backpacker .
•       Please note, the excess waiver extension will not apply to any additional medical excess which may be applied to your policy following a medical screening.
•       Get Going policies excesses are applied per person in the event of a claim, for example if there are two people insured on the policy, claiming for cancellation the excess will be applied to both travellers, but with the purchase of the excess waiver extension, zero excess will apply to any claims that are submitted.

Zero excess travel insurance provides an enormous sense of security and is perfect for all trips, especially the bigger ones!

Get A Quote

Travel Insurance with excess waiver

Deciding on the appropriate cover level should be a careful process, you need to make sure that if you do need to claim you won’t end up out of pocket. Once you’ve considered and selected the appropriate cover levels you might notice that your travel insurance excess is higher than you’d like.

If this is the case, excess waiver travel insurance is a great option. Select your chosen cover level and then when prompted opt for the excess waiver. This means paying a small, one-off fee, to waive all excess that the policy would have been subject to, leaving you with a zero excess policy and the cover levels you’re looking for. The perfect combination.

Why Choose Get Going?

Over 1000 medical conditions considered

24/7 emergency medical assistance team, £10m cover for emergency medical expenses, 93% of customers have rated us 4 or 5 stars $.

SAVE 15%Ɨ  BUYING ONLINE!

Travel Insurance with no excess

Opting for a travel insurance policy with no excess will typically mean purchasing at a slightly higher premium, however, travel insurance with no excess can result in a saving of hundreds in the event of a claim.

Do I need no excess travel insurance?

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Frequently Asked Questions

The definition of travel insurance excess is the amount payable by you, in the event of a claim and is sometimes called ‘deductible’ rather than excess. Travel insurance excess is typically applicable per person, even when travelling on the same policy. In the event of a successful claim, the total excess is deducted from the total claim amount and the final difference is what you are owed.

ƗPlease note, Get Going ‘s online prices automatically include a 15% discount against our Customer Service Centre prices. This is discounted from our core policy price before you add any additional cost of optional extensions or additional medical premium.

$Get Going has been rated 4.7 out of 5 (Excellent) based on over 7000 customer reviews on Trustpilot. Based on Trustpilot data 2024

Your Travel Life ......

What is a no excess travel insurance policy .

What does a no excess travel insurance policy mean?

A no excess travel insurance policy is simply a policy that does not contain any type of excess or deductible as part of its terms and conditions. This can apply to a single trip insurance policy, an annual or multi-trip insurance policy or any type of specialist travel insurance policy.

What is an excess?

An excess is a fixed cash figure which applies to any claim amount that is paid under the policy to the policyholder. The amount is deducted under the final claim settlement and retained by the insured themselves.

As an example, if a travel insurance policy has an excess of £100, and a claim under the policy is agreed for £1000, the insurance company would pay £900, and the policyholder would retain the other £100, being the amount of the excess.

An excess is also sometimes referred to as a deductible. It is the same thing. The term deductible is widely used in health insurance, and many insurance companies keep the term in order to keep continuity in terms of the language they use.

What are the benefits of a policy excess

An excess in travel insurance policies, as opposed to deductibles in health insurance and other types of insurance, is normally relatively small in cash terms.

Its main benefit is to insurance companies, as it prevents claims that are small in cash terms, which would be un-economical for them to process, as well as being time-consuming for all parties involved.

The excess on a travel insurance policy, apart from being relatively small and financial terms, is normally a standard fixture of the policy’s terms and conditions.

The excess may apply to any one section of the policy, there may be different exercises for different sections, which may differ in cash terms.

What is the maximum excess on travel insurance?

The maximum excess is simply the largest amount that the excess can be, either for a particular section of the policy or for the policy as a whole.

That can sometimes be complications as to whether a claim should be considered one or more events, but this is unlikely to occur with a standard travel insurance policy.

People may choose to increase the excess on their policy, either for the policy as a whole or for any one particular section of it, in return for a reduced premium for the policy as a whole.

What is a no excess travel insurance policy?

A no excess travel insurance policy, also sometimes referred to as a travel insurance excess waiver, is a policy where any excess has been specifically deleted from the policy’s terms and conditions, by way of a special endorsement.

This means that if any claim is agreed upon under the policy, then the amount will be paid in full with no deduction to be retained by the policyholder.

Insurance companies will normally charge more as a premium for the policy if this excess waiver is included in it.

Some companies make a point of having special plans that don’t include an excess, but again they will be more costly than the standard travel insurance policy.

Other types of travel insurance policy excesses

Most types of excess in policies are financial, but they can be time-based as well. This means that there is a waiting period of a certain number of days before specific benefits of the policy can be paid, once the policy has been taken out.

The other type of excess used in insurance policies is what is known as a franchise. This is rare in travel insurance policies but can be found in certain types of specialist areas.

A franchise is a fixed cash amount where the limit has to be reached for any claim can be paid, but once the limit has been reached any amount is paid in full.

As an example, if a policy has a franchise or £500, then any claim beneath that amount will not be paid at all, but any claim over £500 will be paid in full with no deduction as would happen with a normal excess.

• insurance excess
• no-excess travel insurance
• Travel Insurance

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Travel insurance excess

A travel insurance excess is something you need to pay when you make a claim and is typically charged by all providers in australia..

In this guide

How does a travel insurance excess work?

Compare policies by their default excess, compare your travel insurance quotes, types of travel insurance excess, when do you have to pay your excess, travel insurance faqs.

Destinations

Key takeaways

• A travel insurance excess is the amount you agree to pay an insurer if you make a claim.
• Many brands let you choose an excess anywhere between $0 to $200 (this is the 'standard' excess for most policies).
• The higher the excess, the lower your your premium tends to be (e.g. cost of your policy).

A travel insurance excess is the amount you agree to pay an insurer if you end up claiming on your policy. Take for example, a travel insurance policy for a week in Bali. The same policy could cost you $60 with a $200 excess, $72 with a $100 excess or $108 with a $0 excess. As you can see, choosing a higher excess can save quite a bit.

That's the good news. The bad news is that you'd have to pay that amount before you could claim anything. Say you lose your phone that's worth $500 and you have a $200 excess. Once your insurer approves your claim, you'll have to pay the excess amount, which means you'd only get $300 back. Another potential shortfall of this option is for lower value claims, where the claim amount would end up being comparable to that of the payable excess.

Choosing the higher excess option is slightly riskier if you end up needing to claim but if you're just looking to save some coin in the short term, it's not a bad way to go.

When calculating your travel insurance quote , Finder uses the travel insurers default excess option, which means you can sort your results from lowest to highest excess option.

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Note: This information was last updated August 2023

Standard excess

A standard excess is the set amount stipulated by the insurer that you must pay if you make a successful claim.

Voluntary excess

Many insurers will give you an option to select the excess amount on your policy. The price of your premium (policy) will change depending on which excess amount you select. As mentioned earlier, the higher your excess, the cheaper your premium.

Additional excess

This isn't as common but can apply to certain benefits – for example, ski-related claims.

How and when you pay an excess will depend on the policy and the insurer. Some insurers require you to pay the excess upfront before they will pay the claim, while others will simply deduct the amount of the excess and pay out the remainder of the benefit.

Does multiple claims mean multiple excess charges?

Claiming on multiple sections of the policy does not generally mean you will pay multiple excesses. Most of the time you're charged one excess for an event even if you are claiming on multiple benefits.

The same goes if you're claiming on a family policy, even if that event impacts multiple travellers such as both parents and children; you'll only pay the excess once.

Get a free travel insurance quote

What is the excess on a travel policy?

The excess is the amount that you need to pay towards a claim. For example, if you make a claim of $1,000 and the excess is $200, you will receive $800.

Should you get excess on travel insurance?

It's very uncommon for travel insurers to offer a no-excess travel insurance policy, so you will need to pay one in the majority of cases. However, you are often able to lower your excess to $50 or $100. This will increase your premiums but mean you are less out of pocket if you do need to claim.

What should my excess be for travel insurance?

The most common excess charge is around $200. However, some insurers allow you to lower it to around $50 or raise it as high as $500.

How do I reduce my excess?

Our quoting tool automatically applies the default excess given by the insurer. After you've chosen your policy and clicked 'Go to site', you can adjust your excess directly with the travel insurer. If you choose to lower or remove your excess, you'll probably pay more for your premium.

Gary Ross Hunter

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

• Health, home, life, car, pet and travel insurance
• Managing the cost of living

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4 Responses

Hotel in Menorca lost 2 adults 2 children’s passports, insurance company are paying for replacement passports etc but have said our excess is £100 per person. The certificate from travel agents only says excess £100, no policy booklet was given as Thomson’s didn’t have any in stock. I believe it has been mis-sold as I was unaware of excess being per person.

Thanks for reaching out.

I’m sorry to hear about this mishap. I’m afraid we cannot check this information for you as we do not have the insurance details. You may want to contact the insurance company and ask for the policy booklet so you can ascertain the excess charging.

It’s a good idea to always check the features and details of the policy, as well as the relevant Product Disclosure Statement and if necessary, reach out to the insurance company before buying an insurance.

Kind regards, Liezl

I asked Google, “why do we have to pay an excess on our Travel Insurance”. I got this page as an result ( https://www.finder.com.au/travel-insurance/travel-insurance-excess ). It explains how an excess works. Any Dip-Stick knows how it works, Derrr. I asked why do we have to pay it. If you insure something. It should replace the total value of what is insured. I accept depreciation. But why do we have to pay an excess. It Google that led me here. Not finder.com.au. So shows you how bright google is. Not very. So why do we have to pay an excess. Seems a SCAM to me. That everyone accepts.

Thanks for your question.

When you buy travel insurance with an excess option, you are assuming a part of the risk on behalf of the insurer in return for a lower premium. There are travel insurance brands out there that offer zero excess options but this means you are paying more upfront. If you wish to check your options, here’s a list of insurers offering excess reduction travel insurance .

I hope this was helpful, Richard

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