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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?

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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

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

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

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

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

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

FOR INDIVIDUAL

• Priority Banking
• Islamic Banking
• NRI Banking

FOR BUSINESS

• Corporate & Institutional
• Digital Banking
• Brunei Darussalam
• Cote d'Ivoire
• Falkland Islands
• Philippines
• Sierra Leone
• South Africa
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• United Arab Emirates
• United Kingdom
• United States

• Credit Cards

World Elite Mastercard Credit Card

Standard Chartered World Elite Mastercard Credit Card is the gateway to a world of unique experience and services

• Apply Now Apply Now

to 1200 global airport lounges

reward points for vouchers, merchandise, convert to airline loyalty partners or use to offset your next purchase

up to 20% discount on food & beverages including Gulf Hotel, Sofitel Thalassa Sea & Spa

Travel should always feel like a privilege. And, with the World Elite™ Mastercard® Lounge Program it does. World Elite Mastercard cardholders can download the Mastercard Travel Pass mobile app and get access to:

• Unlimited, complimentary access for you and one accompanying guest (per visit) to over 1,200 airport lounges in more than 450 cities in over 135 countries, as part of the Dragon Pass airport lounges network
• Access to business facilities: email, internet, phones, fax machines and conference space in some lounges

Each cardholder, primary and supplementary, should show their individual QR code to avoid guest charges.

Lounge access is powered by Dragon Pass.

Earn reward points on local and international retail transactions on your World Elite Mastercard®, you’ll earn rewards points.

*Reward Points are valid for a period of three (3) years from the date received. Unused reward points will expire at the end of validity period.

Going on a holiday or booking that business trip? Book your ticket on Cleartrip using your World Elite ™ MasterCard® and enjoy:

• 12% discount on any International round trip fare
• Caps apply, please see the detailed terms & conditions . To avail the Discount, the Cardholder must enter the correct promo code before payment during the booking process.
• Cleartripwallet amount cannot be used for this offer.
• The Cardholder Discount is not valid on one-way flights, even if international, or any domestic itineraries.
• The Cardholder Discount is not applicable with hotels on “pay at hotel” policy or Accor hotels.

Simply go to  here , select your flights, enter promo code MCWORLDELITE, and pay with a World Elite ™ MasterCard®. To know more or download the Priceless Specials mobile app from the App Store or Google Play Store and register with the first 8 digits of your Mastercard to start saving.

Enjoy personal assistance anytime, anywhere. From last-minute restaurant reservations to planning a special occasion, your 24/7 concierge is more than happy to help you save valuable time and make your life easier.

Some of the services available include:

• Flight reservations
• Restaurant reservations
• Personal Shopper services
• Event ticket purchases
• Trip planning and more

Click here to know more or call 80006700 within Bahrain and +13124799277 Internationally Simply download the Priceless Specials mobile app from the App Store or Google Play Store and register with the first 8 digits of your Mastercard to start saving.

As a Mastercard cardholder, you now also have access to WhatsApp concierge channel. You will be able to chat to our Lifestyle Managers any time of day and night via WhatsApp Live Chat!

Simply add the provided phone numbers to your contact list and start & connect one of our concierge professionals:

For Arabic: +44 7418 368707

For English: +44 7418 368708

As a World Elite™ Mastercard® cardholder, you can make your next hotel stay even better with Titanium membership offered in the Global Hotel Alliance DISCOVERY loyalty program.

• Guaranteed room availability for bookings made up to 48 hours prior arrival
• Double room upgrades
• Early check in at 11am
• Late check out until 4pm
• Save 10% or more when booking direct
• Easy-to-earn Discovery Dollar rewards currency
• 7% discount on room bookings in Discovery Dollar

Call the World Elite Concierge to get Black Membership. Click  here  to know more or download the “Mastercard for You” app from  Apple App Store  or  Google Play Store

How to use:

• Simply call the World Elite™ Mastercard® Concierge to enroll and get upgraded to Titanium status.
• View your GHA DISCOVERY membership by creating an account on the website or by downloading the mobile app

Whether you’re departing, arriving, or just connecting flights, Mastercard Airport Concierge™ gives you access to a personalized meet & greet service, facilitating your airport experience.

Enjoy a special saving of 15% on this VIP service at over 470 airports, globally. This service can include:

• Curb side meet & greet agent
• Escort to the check in desk, aircraft gate, expedited security/immigration processes
• Assistance with any visas or other documentation

How to use: Simply call the World Elite™ Mastercard® Concierge to book your service

Travel Features

Preferred discounts at Onefinestay:

Onefinestay – Enjoy a quality stay that includes a 10% discount, complimentary Wi Fi, and the use of an iPhone for data and local calls at over 2,500 properties across London, Paris, Rome, New York, Los Angeles, and more.

How to use: Simply call the World Elite™ Mastercard Concierge to make your apartment booking

Fulfill is a fully digital solution that allows customers in the UAE, KSA, Bahrain, Oman, Kuwait, Kenya, Nigeria to apply and book appointments for their travel visa needs.

With Fulfill visa assistance World Elite™ Mastercard cardholders will be able to apply and book appointments for a flat fee of USD 15

• Drastically reduce your time spent applying for Travel Visa
• Avoid filling complicated forms, we will do that for you
• Receive document checklist for your Travel Visa submission (when you are required to personally submit the Travel Visa application)

How to use: Simply call the World Elite™ Mastercard® Concierge or visit  here  to access the Fulfill website and apply for your travel visa

Exclusive to Mastercard cardholders, Priceless Cities provides access to unforgettable experiences in over 40 cities, where you live and travel. With priority access to worldwide events, Priceless Cities offers thousands of exclusive entertainment, arts and culture, sports and culinary experiences tailored to our cardholders’ home and abroad.

From dining to travel and entertainment, enjoy exclusive access and benefits that will make your trip abroad or stay at home even more rewarding

How to use: Simply visit www.priceless.com and register, then choose your city of interest to discover the available offers.

Booking.com seamlessly connects millions of travelers to memorable experiences, a variety of transportation options, and incredible places to stay from homes to hotels, and much more.

Booking.com is available in 43 languages and offers over 6.2 million homes, apartments, and other unique places to stay. Now when you pay for your next vacation with your World Elite™ Mastercard, you can enjoy:

Up to 10% cashback into your card when making a booking

How to use: Simply register on  here and make a booking Enter an eligible Mastercard card details upon checkout

Please note that the cashback will be credited to your card. The cashback time may vary as per the Terms and Conditions.

Rentalcars.com is the world’s leading online car rental service and arranges car rental in 60,000 locations, across 160 countries, in over 40 languages.

Enjoy an exclusive 10% discount when you book your preferred ride with Rentalcars.com using your Mastercard.

Simply go to  here  to make a booking and enter your World Mastercard details upon checkout.

Enjoy the stunning views of the Indian Ocean from the Maldivian paradise in Soneva Fushi and Soneva Jani, just one hour’s flight from Bangkok by private plane.

Now when you book your stay with your eligible Mastercard, you can enjoy:

• Stay a minimum of 4 nights and receive $ 500 resort credit per night per villa
• Stay a minimum of 7 nights and receive $ 1,000 resort credit per night per villa

Simply call the World Elite Concierge™ to book your next trip

As a World Elite™ Mastercard® cardholder you are automatically eligible for Hertz Gold Plus Rewards® President’s Circle membership, which is otherwise only obtainable through 20 qualifying Hertz Gold Plus Rewards® in a 12-month period.

With Hertz Gold Plus Rewards® President’s Circle, you will get preferred benefits, such as:

• Bypassing the rental queue at many of the world’s busiest airports
• Guaranteed one car class upgrade at participating locations
• Faster returns with Hertz Instant Return®
• Discounted rates

Simply go to  here  to enroll and get upgraded to President’s Circle status. If you are already a Gold Plus Rewards member, login to your profile and enter CDP 1795034 to upgrade to President’s Circle.

Whether you are traveling with your family or on a business trip, enjoy exclusive benefits with Avis. With your World Elite™ Mastercard , you can now enjoy access to:

• Up to 35% off your next car rental
• Complimentary Avis President’s Club membership
• A complimentary upgrade with every rental
• 10% off Premium Chauffeur Drive services

Simply call the World Elite™ Mastercard Concierge or visit here and use your World Elite Mastercard card to reserve your vehicle today.

Budget Car Rental is one of the world’s best-known car rental brands with approximately 3,350 locations in more than 120 countries. Budget is an industry leader in providing vehicle rental services to value-conscious travellers and also operates the second-largest truck rental business in the United States, through a network of approximately 1,650 locations.

Get access to affordable car rental offers with Budget. With your Mastercard®, you can enjoy access to:

• Up to 10% off your next car or truck rental

Simply visit www.budgetinternational.com/mastercard and use your Mastercard® to reserve your vehicle.

Book your airport ride with Careem and have your own personal driver take you to the airport.

Choose the car type that suits your taste, book on the spot or schedule for a later pickup and enjoy the comfort of your ride.

Travel across countries in the Middle East & enjoy.

World Elite Mastercard: 6 complimentary airport rides/year

• Download Careem app from the App Store or Google Play Store .
• Put your eligible Mastercard card for the payment.
• Select your ride “to” or “from” the airport.
• Simply enter the MABAH6 promo code when booking to enable your complimentary airport ride.
• Refer to detailed terms & conditions for country specific promo codes

Careem terms & conditions apply.

Travelling soon? Stay connected with your loved ones with Flexiroam and eliminate the hassle of buying and changing SIMs at every country or carrying Wi Fi dongles around.

With your eligible Mastercard card, you can now enjoy your complimentary global data roaming package:

• World Elite Mastercard: 1 GB x 3 times per year (each 1 GB valid for 5 days from the start date of your choice)
• 15% discount on all subsequent Flexiroam data roaming plans (evergreen)
• Higher seasonal discounts available from time to time
• Download Flexiroam App from the App Store or Google Play Store
• Click Sign up, Add name & other details and Verify account
• Click on Mastercard banner and Enter 16 digit Mastercard card number to check data plan eligibility
• Click on ‘Redeem Starter Plan’ and follow steps to ‘Activate eSIM’
• ‘Confirm Redemption’ to redeem free data plan
• ‘Unlock phone’, ‘Confirm Order’ and click ‘Install eSIM’ to finish e SIM installation
• Go to Mobile Settings > Cellular/Mobile Data > Cellular / Mobile Data > Select Flexiroam
• From Mobile Settings > Cellular/Mobile Data > Data Roaming > Switch On Data Roaming
• Switch on Data Plan (1 GB valid for 5 days)
• Purchase additional plan at 15% discount

Terms and Conditions apply

Click here for Terms and Conditions

Airport Fast Track enables cardholders to enjoy a smoother path through airport security World Elite ™Mastercard® cardholders bypass the regular queues and step into the priority lane instead, allowing more time for cardholders to relax in the departure lounge or enjoy the shopping and dining areas before flying

3 complimentary fast track services / year for World Elite cardholders

• Download Mastercard Travel Pass App from the App Store or Google Play Store or click on the website
• Register your Mastercard card securely
• Simply choose an airport and a desired time slot
• Receive your Fast Track pass in app or via email
• Go to the Fast Track zone in your terminal
• Present your Fast Track pass to enter the priority lane

Terms and Conditons

• Offer only works in the destination country.
• Booking lead times vary by terminal. Check the fast track service in your terminal via Travel Pass App 72 hours in advance to meet lead times.
• Dragon Pass terms and conditions apply.

Travel Pass terms & conditions apply

Lifestyle Features

The Bicester Village Shopping Collection is where world-leading brands offer savings of up to 60%, and sometimes more, on the recommended retail price, in their own luxuriously appointed boutiques, all year round.

World Elite Mastercard cardholders can get access to:

• VIP invitation (to be exchanged for a VIP card with additional 10% discount on purchases in participating boutiques)
• 15% discount on shopping packages
• 15% discount on chauffeur drive experience at participating villages
• 15% discount on Shopping Express
• Access to VIP lounges (subject to availability)

How to use : Call World Elite™ Mastercard Concierge to learn more or visit  here  to avail these offers

Explore all grocery or food delivery options via the Talabat app and receive:

Up to 20% off grocery or food orders two times per month when placing the order on the Talabat app and paying with your eligible Mastercard

• Add your Mastercard card on the Talabat app or Download Talabat app from the App Store or Google Play Store
• Simply enter promo MASTERCARD at checkout to enable up to 20% discount, on two orders on grocery or food delivery.

With over 3,000 different luxury fashion brands, Farfetch offers an unrivalled range of incredible products from the world’s best designers and boutiques.

You can now enjoy: 10% off selected items

How to use : World Elite™ Mastercard cardholders can simply use the code MCMEAFF10  upon checkout. This discount is eligible off full priced items only.

Shop at over 100,000 U.S. retailers, including Apple, Amazon and Ralph Lauren and get fast, reliable, affordable international shipping with My US, #1 in the industry with over 10 million packages shipped since 1997.

As a Mastercard cardholder, you will receive:

• A My US address to use at checkout with your favourite online stores
• Free Premium Membership for 2 years (a $120 value)
• Free account setup (a $20 value)
• 30% off shipping for first month following registration
• 20% off shipping for remainder of 2 year membership

How to use : Simply visit https://www.myus.com/welcome/mastercardpremium/ to register and use your TIER Mastercard® on the payment page.

Priceless Specials provides thousands of offers throughout Middle East and Africa across fine dining, premium spas and activities.

You can now explore 2 for 1 offers and discounts to discover new restaurants and treat the family to a vacation for less with the enhanced Priceless Specials mobile app.

Use it across the UAE, KSA, Bahrain, Oman, Kuwait, Jordan, Lebanon and South Africa to access your offers now.

How to use : For new users, simply download the Priceless Specials mobile app from the App Store or Google Play Store and register with the first 8 digits of your World Elite™ Mastercard to start saving

For existing users, your Mastercard Buy 1 Get 1 app will be updated to Priceless Specials app

Global Blue is a leading tourism tax free shopping company, which brings you additional savings on purchases at over 300,000 stores across the world’s best shopping districts.

Global Blue aims at enhancing the international shopping experience with added- value services for travelers, such as:

Now when you use your eligible Mastercard, you can

• Complimentary access to Global Blue City VIP Lounges to receive VAT right back
• Complimentary access to the Global Blue fast track services at the Airport VIP Fast Lanes available at the refund points and operated directly by Global Blue
• Register for Shop Tax Free Card and enjoy an automatic completion of the Tax Free Forms when shopping at a participating Global Blue merchant

Complimentary Access  – Simply present an eligible Mastercard at Global Blue City VIP Lounges or Global Blue Airport VIP Fast Lanes

Shop Tax Free Card  – Simply visit  here  to register for Shop Tax Free Card and set your eligible Mastercard as the preferred non-cash refund target

Lingokids is the playlearning™ app that helps kids learn the big stuff, the fun way! Children will practice over 3000 new words and can learn about 60 different topics. They will practice the alphabet, listen to audiobooks, and sing along with songs.

The program is ad-free and kidSAFE certified, content is from Oxford University Press, all activities are teacher approved, and the kid-friendly navigation lets children play by themselves.

Use your eligible Mastercard to subscribe through the dedicated page, and enjoy:

• 2 months of Lingokids for free for new users
• 30% off monthly subscriptions for new and existing users

How to use :

• Visit  https://lingokids.com/mastercardmea
• Log in or create a new account
• Enter Promo Code at checkout: MASTERCARDMEA
• Pay with your eligible Mastercard

Click  here  for terms and conditions

Mastercard Golf Program by Thriwe provides World Elite cardholders an end-to-end online golf booking solution at over 800 participating golf clubs worldwide.

Now take some time off to relax and indulge in your favourite sport. Enroll into Mastercard Golf Program and book your next tee time in top golf courses around the globe. Pay with your eligible Mastercard to get 30% discount on unlimited golf rounds.

• Login to Mastercard Golf Program
• Set up your profile using your eligible Mastercard (First 6 Digits of card number)
• Login using your email address & password
• Book your golf session
• Get your discount when you pay with your eligible Mastercard

Get your Mastercard Gamer Pass to participate in one of the biggest online gaming community consisting of online coaching sessions and online tournaments of your favourite games & win prizes:

• 50 % off on Go Gamers Premium Membership to unlock access to world renown tournaments like FIFA, League of Legends
• Access to Mastercard Championship Series – Play in weekly, monthly and quarterly tournaments and win big prizes (vouchers for in gaming currency, gaming accessories)
• Get coaching sessions from experts on Mastercard Championship Series when paying with your eligible Mastercard
• Sign up or log in to Go Gamers Gaming Community on www.gogamers.tech
• Use your Mastercard to purchase “Mastercard Premium Membership”
• Register and enjoy in coaching sessions and tournaments

Get up to 10% discount for treatments with the best medical experts, hospitals & clinics

Connect with the best medical experts and hospitals & clinics to identify the right healthcare options for you and get up to 10% discount using your eligible Mastercard.

• 10% discount on service fees for treatments in Turkey & India
• 5% discount on service fees for treatments in the United Arab Emirates
• Go to www.vaidam.com/mastercard-offers
• Fill up the enquiry form – Name, Email, Contact Number, Country, A brief about the medical issue.
• Within 24 hours of receiving the enquiry, Vaidam assigns a case manager for the patient for assistance.
• Once the patient completes the treatment, at the time of discharge from the hospital, the discount is applied when paying with the eligible Mastercard card

Enjoy exclusive benefits and rewards to elevate your shopping experience with your World Elite Mastercard:

• One-time 15% discount on shopping with a dedicated personal shopper to assist you
• Complimentary delivery services to any destination
• Preview service or offers priority access for sales
• Invitations to private bi-annual sales
• Personal appointment services with assistance and advice on personal styling
• Exclusive invitations to designer launches, exclusive capsules and the ability to pre-order designer fashion items including with the partners seasonal EIP ‘Lookbook’
• Access to certain exclusive entertainment globally, including trunk shows
• Simply call the World Elite Concierge to enroll into EIP loyalty program.
• Net-A-Porter & Mr Porter will assign a personal shopper who will contact you and assist for EIP program enrollment.

Achieve your fitness goals wherever you are, whenever you want with Fiit

Enjoy 25 % discount on your first Fiit subscription payment with your Mastercard and get:

• Get fit with 800 + workouts with world class trainers
• Never get bored with multiple disciplines: Barre, HIIT, strength, yoga & more
• Enjoy training plans for every level
• Track your progress with smartwatches

After a 14 day free trial, you will enjoy 25 % off on the first payment for your Fiit subscription when using your Mastercard, whether you choose a monthly or yearly plan.

• Subscribe from the dedicated Fiit and Mastercard page: https://getfiit.tv/mastercard
• Pay with your Mastercard

Insurance Features

f you encounter an obstacle during travel, you shouldn’t have to face the inconvenience alone. Whether your luggage goes amissor flight delays interrupt your plans, Inconvenience Insurance covers you for the hassleslife throws your way.

Inconvenience is sometimes a part of travel, but you shouldn’t have to deal with it alone. When your luggage goes amiss or flight delays interrupt your plans, Mastercard® can compensate you for:

• Loss of baggage -up to USD 3,000 with no deductible
• Delay of baggage -up to USD 300
• Trip cancellation -up to USD 7,500
• Trip curtailment -up to USD 7,500
• Trip delays –World: USD 300
• Missed connection World USD 300
• Coverage for visiting parents.  Parents who live abroad visiting the cardholder in their country of residence are eligible when the trip is paid through the eligible Mastercard® card. The standard age limit for parents is 80 years old.
• Coverage for visiting children.  Children who live abroad visiting their parent(s) in their country of residence are eligible when the trip is paid through the eligible Mastercard® card.

Claims procedure:

For Claims procedure, please visit  Mastercard® Peace of Mind

Automatic insurance for medical conditions and unexpected incidents. Rest assured by being insured with world leading insurance companies.

You and your loved ones deserve peace of mind every time you travel. Rest assured that you will receive compensation for medical care or emergency help if you need it. For the greatest peace of mind, enhanced protection options are available to ensure that while you’re traveling, your health and safety needs are met promptly and efficiently.

As a Mastercard® cardholder, you as well as your family and your helper* get:

• Personal accident insurance -up to USD 500,000
• Emergency medical evacuation and repatriation -up to USD 500 ,000
• Medical emergency expenses -up to USD 500,000
• Daily in-hospital cash benefit -USD 100 per day
• Coverage for visiting parents.  Parents who live abroad visiting the cardholder in their country of residence are eligible when the trip is paid through the eligible Mastercard® card. The standard age limit for parents is 80 years old.

Please visit  Mastercard® Peace of Mind

Sometimes accidents happen, whether or not they are your fault. With Rental Collision & Loss Damage Waiver, cardholders who have used their World Elite™ Mastercard® to reserve and pay for the entire auto rental are covered for:

• Physical damage of theft to the rental car –up to USD 50,000
• Towing of the vehicle –up to USD 100
• Vehicle drop off charges –up to USD 100

How to claim:

For Claims procedure, please visit  Mastercard® Peace of Mind  or download the “Mastercard for You” app from  Apple App Store  or  Google Play Store

Obtaining a travel insurance confirmation letter has never been easier. As a Mastercard® cardholder you can generate a letter online seamlessly and immediately for your Schengen or other visa requirements.

• Coverage for visiting parents. Parents who live abroad visiting the cardholder in their country of residence are eligible when the trip is paid through the eligible Mastercard® card. The standard age limit for parents is 80 years old.
• Coverage for visiting children. Children who live abroad visiting their parent(s) in their country of residence are eligible when the trip is paid through the eligible Mastercard® card.

Please visit Mastercard® Peace of Mind

Eligibility & Documents

Nationality.

• Bahraini residents
• Salaried and Self-Employed
• Primary: 21 years and above
• Supplementary: 15 years and above
• Salary Transfer Letter or Bank Statement/Salary Certificate
• Smart card copy and details
• CR copy (for self-employed)
• Passport copy (for Expats)
• Resident permit copy (for Expats)

Key Charges

Interest rate 30% (Annual Interest Rate) onwards (monthly rate of 2.50%) For more details on all other applicable fees and charges, please click here . Fees and charges are subject to change. All fees and charges listed are inclusive of 10% Value Added Tax (VAT), where applicable.

Terms & Conditions

Related links.

World Mastercard Credit Card

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Falconflyer Visa Gold Credit Card

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This is to inform that by clicking on the hyperlink, you will be leaving www.sc.com/bh and entering a website operated by other parties:

Such links are only provided on our website for the convenience of the Client and Standard Chartered Bank does not control or endorse such websites, and is not responsible for their contents.

The use of such website is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail.

Thank you for visiting www.sc.com/bh

Contact Now +216 296 772 76

Whatsapp Support Contact +216 296 772 76 +248 2660201

Sacos Insurance

Address: Victoria Mahe, Seychelles

Contact: +248 4 295 000 +248 4 295 000

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Safe Journeys, Peaceful Travels

Covered adventures, best selections.

Discover unparalleled peace of mind. Choose our Best Selections for Travel Insurance and let your journeys be defined by exploration , excitement and tranqulity

Reasonable Price

Our Reasonable Price offerings combine comprehensive coverage with cost-effectiveness, ensuring you receive unmatched value for your investment.

Secure Payments

Experience the reassurance of Secure Payments as you plan your travels. Because your journey's security begins from the moment you decide to embark.

24/7 Support

Experience peace of mind with our round-the-clock support, ready to help you promptly with any travel insurance inquiries or emergencies via call, email or live chat

Cover Your Adventures

Most popular destinations.

Traveling to Australia? Explore worry-free with our comprehensive coverage. Enjoy your adventure with peace of mind

Planning a trip to New Zealand? Explore with confidence and peace of mind by securing your coverage today. Enjoy every moment of your adventure in this stunning destination.

Embarking on a journey to Egypt? Discover this ancient land with confidence and peace of mind by securing your coverage today. Dive into the rich history and breathtaking landscapes of Egypt.

Explore the beauty and diversity of Africa with the assurance of our comprehensive coverage. we provide coverage for all African countries. Travel with confidence across this magnificent continent.

Experience the wonders of Europe with the security of our extensive coverage. Our coverage spans across all European countries. Travel confidently through this diverse continent.

Embark on an unforgettable journey through Asia with the reassurance of our comprehensive coverage. Our coverage extends to all Asian countries.

We Provide Best Deals

Discover the pinnacle of travel protection with our unbeatable deals! At Sacos, we specialize in offering you the best travel insurance packages that cater to all your journey's needs. Our commitment to your safety and satisfaction drives us to craft comprehensive coverage at the most competitive prices.

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Travel Insurance

Best travel insurance companies of April 2024

Amy Fontinelle

Heidi Gollub

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

Updated 8:41 a.m. UTC April 12, 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 Preferred and Atlas Journey Premier plans get 5 stars in our rating because of the extensive coverage they provide for the price. Both plans come with high limits for important benefits such as emergency medical and evacuation, travel delay and missed connections. WorldTrips travel insurance also offers a pre-existing medical condition exclusion waiver if you buy a plan within 21 days of making your first trip deposit.

Best travel insurance of 2024

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.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Travel insurance quotes comparison

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 has two top-rated travel insurance plans in our rating:

• Atlas Journey Preferred provides $100,000 per person in emergency medical benefits as secondary coverage, with the option to upgrade to primary coverage. Primary coverage means you don’t have to first file a medical claim with your health insurance company. Atlas Journey Preferred is also the best travel insurance for cruises with $1 million in coverage for emergency evacuation.
• Atlas Journey Premier costs more but gives you $150,000 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.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier has $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan includes travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding 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 411 reviews of policies purchased through the travel insurance comparison site since 2008.

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.

Best travel insurance for missed connections

If you’re looking for good travel insurance for missed connections , it’s worth considering TravelSafe. Its Classic plan includes $2,500 in missed connection coverage for each person on the plan. Some travel insurance companies only provide missed connection coverage for cruises and tours, but TravelSafe doesn’t impose that restriction.

• 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.
• Most expensive of our best-rated travel insurance plans.
• 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.

Best trip insurance for traveling with a pet

Go Ready Choice by Aegis has the most affordable travel insurance of the best-rated travel insurance companies in our rating. It’s also the best trip insurance for pet parents , with an optional Pet Bundle add-on that includes pet medical, pet kennel and pet return benefits.

• Cheapest of our best trip insurance plans.
• Optional pet bundle adds pet medical expense and pet return 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.

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.

• 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.

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.

Best travel insurance for cruise itinerary changes

Nationwide’s Cruise Choice plan 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.

Cruise Choice 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.

• 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.

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.

Via TravelInsurance.com’s website

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 conditions 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 searches from Jan. 1 to April 1, 2024, here are the main benefits travelers are looking for. 

Source: Squaremouth.com

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 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.

Best travel insurance FAQs

According to our analysis, WorldTrips has the best trip insurance. Two of its plans — Atlas Journey Preferred and Atlas Journey Premier — 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. 

The best time to buy travel insurance is immediately after booking your trip and making a nonrefundable payment — in other words, as soon as you’re at risk of losing money. This way, you’ll know the total cost that you need to insure and you’ll have the longest window to take advantage of your policy’s benefits if something goes wrong.

You can’t wait until something goes wrong and then buy travel insurance to get reimbursed for your loss. Travel insurance only covers unexpected losses.

Travel insurance companies can decline to cover travel to certain countries. For example, you may find that some trip insurance companies don’t offer coverage to countries with a Level 4: Do Not Travel advisory from the U.S. State Department. 

Travel insurance policies also frequently exclude certain risks that you’re more likely to encounter in Level 4 or Level 3 countries. For example, your policy may not cover losses related to declared or undeclared wars or acts of war or losses related to known or foreseeable conditions or events. 

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.

Cruise travel insurance can help protect you financially if you need emergency medical care in a remote location, or if a delayed flight causes you to miss embarkation and you need to pay extra to catch up to your cruise.

Experts caution that travel insurance you buy through a cruise line may not be as comprehensive as plans you can buy directly from travel insurance companies.

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.

Travel insurance may be required, depending on the country you plan to visit. But it’s smart to consider buying a travel insurance policy for international travel, even when it is not required. A good travel insurance policy can protect you financially if you need emergency medical assistance when traveling, or if you need to cut your trip short and buy a last-minute plane ticket home because an immediate family member is ill. 

Wondering if travel insurance is worth it? What travel insurance covers

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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What the New Overtime Rule Means for Workers

One of the basic principles of the American workplace is that a hard day’s work deserves a fair day’s pay. Simply put, every worker’s time has value. A cornerstone of that promise is the  Fair Labor Standards Act ’s (FLSA) requirement that when most workers work more than 40 hours in a week, they get paid more. The  Department of Labor ’s new overtime regulation is restoring and extending this promise for millions more lower-paid salaried workers in the U.S.

Overtime protections have been a critical part of the FLSA since 1938 and were established to protect workers from exploitation and to benefit workers, their families and our communities. Strong overtime protections help build America’s middle class and ensure that workers are not overworked and underpaid.

Some workers are specifically exempt from the FLSA’s minimum wage and overtime protections, including bona fide executive, administrative or professional employees. This exemption, typically referred to as the “EAP” exemption, applies when: 

1. An employee is paid a salary,  

2. The salary is not less than a minimum salary threshold amount, and 

3. The employee primarily performs executive, administrative or professional duties.

While the department increased the minimum salary required for the EAP exemption from overtime pay every 5 to 9 years between 1938 and 1975, long periods between increases to the salary requirement after 1975 have caused an erosion of the real value of the salary threshold, lessening its effectiveness in helping to identify exempt EAP employees.

The department’s new overtime rule was developed based on almost 30 listening sessions across the country and the final rule was issued after reviewing over 33,000 written comments. We heard from a wide variety of members of the public who shared valuable insights to help us develop this Administration’s overtime rule, including from workers who told us: “I would love the opportunity to...be compensated for time worked beyond 40 hours, or alternately be given a raise,” and “I make around $40,000 a year and most week[s] work well over 40 hours (likely in the 45-50 range). This rule change would benefit me greatly and ensure that my time is paid for!” and “Please, I would love to be paid for the extra hours I work!”

The department’s final rule, which will go into effect on July 1, 2024, will increase the standard salary level that helps define and delimit which salaried workers are entitled to overtime pay protections under the FLSA. 

Starting July 1, most salaried workers who earn less than $844 per week will become eligible for overtime pay under the final rule. And on Jan. 1, 2025, most salaried workers who make less than $1,128 per week will become eligible for overtime pay. As these changes occur, job duties will continue to determine overtime exemption status for most salaried employees.

The rule will also increase the total annual compensation requirement for highly compensated employees (who are not entitled to overtime pay under the FLSA if certain requirements are met) from $107,432 per year to $132,964 per year on July 1, 2024, and then set it equal to $151,164 per year on Jan. 1, 2025.

Starting July 1, 2027, these earnings thresholds will be updated every three years so they keep pace with changes in worker salaries, ensuring that employers can adapt more easily because they’ll know when salary updates will happen and how they’ll be calculated.

The final rule will restore and extend the right to overtime pay to many salaried workers, including workers who historically were entitled to overtime pay under the FLSA because of their lower pay or the type of work they performed. 

We urge workers and employers to visit  our website to learn more about the final rule.

Jessica Looman is the administrator for the U.S. Department of Labor’s Wage and Hour Division. Follow the Wage and Hour Division on Twitter at  @WHD_DOL  and  LinkedIn .  Editor's note: This blog was edited to correct a typo (changing "administrator" to "administrative.")

• Wage and Hour Division (WHD)
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CFIF announces the establishment of the Collateral Infrastructure and Market Practices Advisory Group

Since the Global Financial Crisis, collateral management has shifted from primarily a credit risk mitigation process of managing assets pledged by one party to another to focusing on capital optimization. Recognizing the potential impact of this evolution on the efficiency of Canada's fixed income market, the Canadian Fixed-Income Forum ( CFIF ) today announced the establishment of the Collateral Infrastructure and Market Practices Advisory Group (CIMPA). CIMPA will promote the well-functioning of the Canadian securities and financing markets through improved operational efficiency, reduced market fragmentation, and industry coordination on related issues and initiatives. The goals are to:

• improve interconnectedness, standardization, and automation of securities flows;
• support market functioning through promotion of best practices for clearing, settlement, margining and risk management;
• facilitate broad adoption of the recently introduced Canadian Collateral Management Service (CCMS), Canada’s first tri-party service launched by TMX and Clearstream;
• provide an information hub on Canadian collateral developments;
• build consensus on relevant issues.

CIMPA is comprised of senior representatives from buy- and sell-side firms, custodians, prime brokers, and infrastructure providers and is co-chaired by Nicholas Chan (Managing Director and Head of Financial Resource Management, BMO Capital Markets) and Harri Vikstedt (Senior Policy Director, Market Committees and Initiatives, Bank of Canada).

Information on CIMPA’s activities, including its objectives and organization, membership, meeting dates, agendas, and minutes, is available on the newly established CIMPA webpage .

For further information, please contact:

Media Relations Bank of Canada

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