allianz travel insurance yearly plan

June 1, 2020

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

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Single Trip Insurance vs. Annual Travel Insurance Plans

Are you a jet-setter, always flying here and there? Or a snowbird who makes just one or two trips a year?

Are you a spontaneous traveler who leaps at last-minute deals? Or a careful planner who books vacations a year in advance?

Allianz Global Assistance offers insurance plans for all types of travelers: both single-trip plans that cover just one trip and annual travel plans, which can protect multiple trips in a 365-day span. Which plan is right for you: multi-trip or single-trip? That depends on your travel style and your vacation plans.

Planning lots of little trips? Consider multi-trip travel insurance.

A cousin’s wedding in Jersey. A 40 th -birthday beach trip. A late-summer escape to the mountains. Another cousin’s wedding in Boston. If the year ahead is speckled with short getaways, annual travel insurance is a wise purchase. One plan can cover all your trips, whether near or far, short or long, domestic or international. Annual plans can also offer significant savings when you compare their cost to buying several single-trip plans. Best of all, you don’t have to think about it! Buying a plan once and having benefits all year makes life easy.

Taking one dream vacation? Consider single-trip travel insurance.

One possible drawback to multi-trip travel insurance is the annual maximum on trip cancellation benefits . For the AllTrips Prime plan , this annual limit is $2,000. For the AllTrips Executive plan , three levels of trip cancellation are available, from $5,000 to $10,000.

If you’re only taking one big trip this year, single-trip travel insurance is probably the best choice. But it’s smart to get a quote for both options! Let’s say you’re 45 years old and you’re planning a luxury safari to the Serengeti . With airfare, lodging and guide services, your trip costs will hit that $10,000 mark. Your quote for the AllTrips Executive Plan with a $10,000 maximum for trip cancellation: $784. Your quote for the OneTrip Premier Plan is $546, and includes up to $50,000 in emergency medical benefits and up to $1 million in emergency transportation benefits.

Business travel? Consider multi-trip travel insurance.

If you travel frequently for work, an annual travel insurance plan can make life a lot easier. While

you’re probably not paying for business trips out of your own pocket, travel insurance can help when you experience common travel problems, such as lost or delayed baggage or trip delays. The AllTrips Executive plan also includes a collision damage waiver in most states to protect your rental car as well as protection for business equipment rental and/or replacement, if it’s lost, stolen, damaged or delayed by your travel supplier.

If your business travel takes you out of the country, you also need travel insurance for medical emergencies. U.S.-based companies have no legal “duty of care” for employees — in other words, there’s no law that requires companies to protect employees while they’re traveling. i  That’s why it’s wise to protect yourself with an annual plan that includes emergency medical and dental and emergency transportation benefits .

Traveling with children? Consider single-trip travel insurance.

The OneTrip Prime and OneTrip Premier plans include an extraordinary benefit for families: kids 17 and under are covered free when traveling with a parent or grandparent (not available on policies issued to Pennsylvania residents). For that reason alone, one of these single-trip plans may be the best choice for family vacations. Keep in mind, however, that older children, spouses and other family members who are traveling with you should buy their own individual travel insurance policies.

Spontaneous traveler? Consider multi-trip travel insurance. 

Maybe you’ve only booked one big trip in the year to come. But, before you select a single-trip plan, consider the trips you haven’t yet penciled in! If you often take unexpected escapes and last-minute vacations, an annual travel insurance plan can be the best option. Your pre-paid travel costs can be covered automatically, up to the limits stated in your plan. Road trips can be covered too, as long as your destination is 100 miles or more from your home. 

Renting a car? Buy multi-trip travel insurance.

Rental car insurance is an often-overlooked benefit of annual insurance plans from Allianz Travel. Included in your plan is the Rental Car Damage Protector (available to residents of most states), which covers costs if a car you're renting is stolen or is damaged in an accident or while it's left unattended. Rental car companies typically charge $10 to $30/day for similar coverage for economy vehicles, or 25 to 40 percent of the base rental price, according to WalletHub. ii

Just remember: No matter which type of travel insurance you choose, you’re still a savvy traveler because you’re protecting your trip!

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Home » Budget Travel » HONEST Allianz Travel Insurance Review – [Updated 2024]

HONEST Allianz Travel Insurance Review – [Updated 2024]

Planning and preparing for a trip can be fun and exciting. Personally I love flicking through Lonely Planets seeking out those “Must See” places and I even enjoy scouring through forums for insider advice. I relish the challenge of arranging sophisticated logistics and revel in finding bargain flights from London to the ends of the earth.

Indeed, the feeling I get during the days before I start a trip is both exciting and invigorating. In fact, sometimes I wonder whether I’m equally as addicted to this “state of leaving”  as I am to travel itself – they do say that often anticipation is even better than the event itself.

What is far less exciting though, is comparing Travel Insurance policies. There are far too many policies and providers out there with far too many fine print details to scrutinise. Yep finding the best travel insurance is confusing, and finding cheap backpacker insurance can seem impossible. But, to make finding and buying Travel Insurance that bit easier for you, we have tried, tested and reviewed all of the major providers out there.

Allianz Travel Insurance Review

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Today we are going to review Allianz Travel Insurance. I have spent hours going through their policies and breaking them down for you. By the end of this post, you should know whether Allianz is the right travel insurance for you.

It’s important that you take time to look at other good travel insurance providers too. Different providers suit different kinds of travellers. So you may be better suited elsewhere.

Before we begin the Allianz Travel Insurance review, do note that the terms and conditions of insurance policies are subject to changes and are always ultimately based on your individual circumstances. Therefore, it is very important that you read any policy terms and conditions yourself.

Hey you there! Before you delve any further or waste any more valuable time on this Allianz Travel Insurance Review, let me just tell you straight up front that we at The Broke Backpacker no longer use Allianz for our travel insurance needs.

We have nothing against them, we just found other providers more suited to the needs of travellers and backpackers whilst offering VERY competitive quotes.

If you are taking a single trip or going backpacking, we recommend World Nomads Insurance .

Alternatively, if you are a digital nomad working and travelling remotely from all over the world, then SafetyWing Insurance offer some very interesting travel insurance plans.

Ahem – Please note that insurance companies change their policies and product terms fairly regularly. We do our best to keep this review up to date but cannot guarantee that all of the information is 100% correct. Therefore, only use this review as a guide and check all policies yourself. Also note that some of the links in this post are affiliate links.

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Do you need travel insurance? Does anybody really need travel insurance ?

After shelling out for flights, visas, and a new backpack, having to find a few more bucks for travel insurance may feel a bit depressing. I mean, all you get is a “policy certificate” AKA a boring 100-page booklet to read. Aren’t there more sexy and fun things to be spending that money on?

After all, most trips, vacations, and odysseys end happily and safely without any ill occurrence. There is no definitive answer to this.

Our team at the Broke Backpacker , we have (collectively) spent more than a century backpacking the globe and we have visited over 100 countries. Most of those trips ended without incident. However, we have also clocked up a fair few mishaps along the way: inflected legs, tropical diseases, broken backs, and even gunpoint robberies.

These incidents were all bad enough in themselves, leaving physical and mental scars. Thankfully though, we were all insured at the time. This meant that we were spared the further trauma of paying out thousands in medical bills or replacing technologies.

Basically, insurance is one of those things that most people never actually need. But the ones who do are very lucky to have it.

So now, you get the picture: travel insurance is essential when it comes to staying safe on the road . But is Allianz travel insurance right for you? Or do other travel insurance options suit you?

So let’s take a look. Here are some things good travel insurance plans help with, and where you would be without them.

Lost Luggage

Luggage gets lost both on planes and in airports. It shouldn’t happen, but it sure as hell does.

That in itself is bad enough but replacing all your essential travel gear will cost. Any decent travel insurance policy usually covers lost luggage, usually up to at least $1000.

In fact, the aviation watchdog states that 5.73 items of luggage are lost for every 1000 passengers. That means that if you take 10 flights, then there is a 5% chance of your luggage getting lost forever. Some airports and airlines lose more baggage than others but all of them are equally as obtuse and obstructive when it comes to trying to make a claim.

Lost luggage can ruin your whole trip. I mean, imagine you head to Iceland and they lose all your cold weather gear?!

Medical Bills

Foreign medical care costs can be very high. A friend of mine was once hospitalised while backpacking in Costa Rica and ran up bills in excess of $10,000.

More recently he spent 1 night in a Thai hospital, was billed $1,000 and his passport was used as a ransom (that boy has no luck. Maybe he should stay at home?) . Personally, I don’t have $10,000 to pay to Costa Rican Doctors, but I do have maybe $50 to buy myself a travel insurance policy.

If you come from Europe, the cost of medical care in some parts of the world is quite a revelation. If you’re in the US, then you already know all about health extortion. But do remember, your domestic health insurance will most probably not cover you outside of the US.

Accidents happen (and without warning…) and ill health can strike any of us down at any time, anywhere. In fact, if you have experienced the driving or the hygiene standards in India, you’ll already know that you are at high risk of coming to some harm out on the road.

Trip Interruption Coverage

Trip interruption comes in all shapes and sizes. Claiming for flight delays or cancellations is annoying – and in the end, nothing’s guaranteed.

Every year a few airlines or travel agents go out of business leaving passengers stranded. Booking flights home at short notice is costly.

Not getting home on time on the other hand, can mean getting sacked from your job – ouch. If you have to stay a few more nights at your destination waiting for a flight home, then that can also stretch a maxed-out travel budget.

Having trip cancellation and interruption coverage can mean the difference between desperately raiding your overdraft or getting a few extra days of vacation, free of charge.

Theft Coverage

Sadly, tourists are a target for thieves in many parts of the world. Our team have been robbed with guns while backpacking South America . And I know people whose diamond jewellery and MacBooks were burgled from hotels.

Being robbed is scary. But theft coverage makes it suck a little less when you don’t have to fork out for your stolen iPhone.

Repatriation

In the unlikely event of your demise, your travel insurance can cover the cost of repatriation or sending your body home. The costs of this can otherwise run into several thousands of dollars.

Nobody ever thinks it will happen to them. And yet, it does happen.

Furthermore, the law of averages dictates that if you travel enough, something, somewhere will eventually go wrong. Just like you should always look twice before crossing the road, and always wear your helmet before riding a bike, you really should get comprehensive travel insurance.

By the way, some countries require you to obtain insurance before even letting you enter. Imagine being turned back at the airport for the sake of a few quid?! I personally never leave home without first obtaining travel insurance plans from either World Nomads or SafetyWing.

If you’re reading this, then I guess you decided that you do need travel insurance. Yay! Welcome to the world of sensible adults (AKA accepting your own mortality and the fact that you have no control whatsoever over the universe, despite whatever bullshit “The Secret” may have told you).

Allianz travel insurance is perhaps one of the biggest insurance companies in the world. They have been trading for over 120 years and they have offices across the globe.

Though travel Insurance is by no means Allianz’s primary focus or modus operandi. But this is not a bad thing. Note that even “specialist travel insurers” are often, in fact, brands or shop fronts backed by big insurance companies like Allianz.

They are governed by the Financial Services regulators in pretty much every national market they trade in. This means that if you have a problem with them, you can squeal on them and have your case reviewed independently and fairly by an adjudicator free of charge.

Now that the introductions are out of the way, let’s take a look at the individual travel insurance policies they offer.

Allianz are a major financial service provider and as such, they offer different coverage options, policies and plans aimed at different travellers. Let’s quickly run through them.

Firstly, Allianz travel insurance offer travellers 2 main types of policy. Within these coverage types are little variations. The main policy types are OneTrip and AllTrips .

Within both the OneTrip and AllTrips umbrellas are 3 variations : Basic, Prime, Premier . These vary depending on how much cover you want and how much you want to pay.

As the name kind of suggests, OneTrip covers one single, specific trip generally with a fixed start and end date.

AllTrips covers any and all trips that you make in a one-year period. This annual plan runs from the date you take out the policy, or a date of your choosing, and lasts for 365 days (or 366 in a leap year) .

You can take an unlimited number of trips in the year and an unlimited number of days travelling. Do be sure that all your chosen destinations are covered by the annual travel insurance policy though, otherwise, you may need to obtain additional cover.

OneTrip Basic Plan

This travel insurance policy covers all travel insurance basics such as medical coverage, trip cancellation and lost luggage. Look at it as the entry-level “classic cover” if you like.

The plan may be able to offer;

• Emergency Medical and Emergency Dental Coverage up to $10,000 and $50,000 for Medical Evacuation. These amounts may seem high but are not enough if you need to be airlifted home from an accident, for example.
• Lost or Stolen Baggage Coverage up to $500 and $200 for Delayed Baggage. Now, $500 may be enough for your baggage depending on how expensive your clothes are, and whether you pack any specialist equipment. However, a solid travel backpack is usually worth around $200.
• Trip Cancellation Cover up to $100,00. One of the best features of the OneTrip Basic plan is that Allianz may be able to reimburse the full cost of your trip if you need to cancel early. However, the reason for cancellation needs to be one of Allianz Global Assistance’s list of acceptable cancellation reasons – not because you got bored or changed your mind.

This policy is a good all-rounder and ideal for travellers on a budget . However, it does have some limitations.

Some of the Allianz travel insurance OneTrip basic coverage is a bit on the tight side. Furthermore, OneTrip Basic plan does not include coverage for missed connections or airline change fees. There are also relatively fewer accepted reasons for claiming on the trip cancellation clause.

OneTrip Prime Plan

Broadly speaking, Allianz OneTrip prime plan is more or less the same as the basic – with increased coverage amounts. The policy may be able to offer;

• Emergency Medical Coverage and Dental Coverage up to $25,000 worth of and $500,000 worth of emergency evacuation coverage.
• Lost and Stolen Baggage Cover up to $1,000 which should cover most people’s hold luggage. However, the per-item max is $500. So if you pack your $8000 top-quality travel camera , you will only get $500 back for it. It also includes Baggage Delay Costs of up to $300.
• Missed Connection Coverage up to $800.
• Airline Change Fees up to $250.

OneTrip Premier Plan

In case you need a bit more on top of that, then we have the OneTrip Premier Plan. The Allianz OneTrip Premier policy is essentially the Prime with even higher coverage amounts. OneTrip Premier may be able to offer cover to;

• Emergency Medical and Dental Coverage of up to $25,000 to $50,000.
• Emergency Evacuation Coverage also increases to $1,000,000. With international evacuation averaging around $100,000, this amount is more than adequate to cover your transportation back home.
• Lost or Stolen Baggage up $2,000. However, like with the OneTrip Prime plan, you can only claim a maximum of $500 per item (up to $2,000 in total). $600 in Baggage Delay.
• Travel Delay coverage up to $1,600.
• Missed Connection Coverage up to $1,600.

Other Allianz OneTrip Options & Offshoots

In case that wasn’t choice enough for you, Allianz also offers 2 offshoots of their OneTrip policy. If you like, look at them as the highly specialised cousins of the OneTrip family.

OneTrip Cancellation Plus Plan

OneTrip Cancellation Plus Plan is definitely Allianz’s budget policy. With this plan, you are only covered against trip cancellation, interruptions, and delays. Medical coverage, medical transportation, and baggage loss are not included.

Personally, I would only consider this policy if (1) you are not checking luggage (2) you have medical coverage elsewhere. For example, this may be OK if you are an EU citizen taking a short break to another EU country where you only have your trusty carry-on luggage and an EU emergency healthcare card.

OneTrip Emergency Medical Plan

This policy is great for travellers who only want medical coverage on one single trip. It provides up to £50,00 in emergency medical coverage and $250,000 in emergency medical transportation coverage.

Remember that this plan only offers protection for medical expenses. If you are robbed, your cuts and bruises are covered but your stolen phone is not. If the airline loses your luggage it is not covered and neither is heartbreak. Trip cancellation coverage is also not included.

This plan is, therefore, for anybody whose sole and only concern is medical coverage.

Remember, the OneTrip policies cover one specific trip. The AllTrips policies we are going to detail below cover long, or multiple trips within a one-year period.

Note that AllTrips policies may also be able to offer rental car coverage for damage as well as dismemberment cover. On the flip side, trip cancellation coverage is either non-existent or limited.

AllTrips Basic Plan

The AllTrips basic may be able to offer coverage for the “classic” issues on multiple trips within a one-year period. Let’s see those numbers.

• Emergency Medical Coverage of $20,000,00 and $100,000 in Emergency Evacuation Coverage. Note that $20,00 on medical emergencies may still be a little on the low side in the event you get very sick in an expensive part of the world such as the US.
• Lost/Stolen or Damaged Baggage up to $1,000. Yes, this may be able to cover most checked bags but remember the $500 max item clause. Baggage Delay is offered up to $200 and then $300 for trip delay.
• Rental Car Damage Coverage up to $45,000. Note that additional premiums may apply.

Note that the AllTrips Basic plan does not come with Trip Cancellation or Interruption Coverage. Remember that means you will not be reimbursed in case you are unable to go on your trip!

AllTrips Prime

As you probably guessed, AllTrips Prime is more or less the same as the basic package with some increased coverage amounts. The policy may be able to offer;

• Emergency Medical Coverage of $20,000,00 and $100,000 in Emergency Transportation Coverage.
• Trip Cancellation or Interruption Coverage up to $2,000.00. Remember that the reason for cancellation needs to be one of Allianz Global Assistance’s list of acceptable cancellation reasons.
• Lost/Stolen or Damaged Baggage up to $1,000 and $200 for Baggage Delay.
• Trip Delays up to $300.

AllTrips Premier

If you want even more coverage, then we have AllTrips Premier. The Allianz AllTrips Premier policy is basically the Prime one with even higher coverage amounts. AllTrips Primer may be able to cover;

• Emergency Medical Coverage of $50,000,00 and $500,000 in Emergency Transportation Coverage.
• Trip Cancellation or Interruption Coverage up to $2,000.00.
• Trip Delays Coverage of up to $1,500.00.
• Dismemberment and travel accident up to $50,000 if you lose a limb or your eyesight when travelling.

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These are packing cubes for the globetrotters and compression sacks for the  real adventurers – these babies are a traveller’s best kept secret. They organise yo’ packing and minimise volume too so you can pack MORE.

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We’re now going to drill down and look at the various things that may be covered by Allianz travel insurance. Remember that some of these are covered by some policy types but not others, and note that coverage amounts and excess’ also vary depending on the exact Allianz policy type.

Emergency Medical Coverage

Got food poisoning in Delhi? Got hit by a moped in Bangkok? Or maybe you just slipped in the shower and broke your wrist in Madrid?

These things can, and do, happen and will all require emergency medical care. Being sick, infirm, and unable to make TikToks is bad enough as it is, so the last thing you want is a hefty medical bill which you have to pay out of your own pocket.

Emergency accident and sickness coverage is quite likely the most important aspect of travel insurance plans.

Emergency Transportation

Emergency Medical Evacuation is when you need to be sent to your home country, or another country, for further or continued medical treatment, and are too sick to travel home normally as a regular passenger. For example – if you are stuck in a hospital bed on a drip in a leg cast.

Trip Cancellation

Reimburses for prepaid, non-refundable cancellation charges if you must cancel your trip (after the effective date of your insurance plan) due to covered sickness, accidental injury, or death of you, a family member or travelling companion; inclement weather, unforeseen natural disaster at home or at your destination, strike, or other covered reasons.

Trip Interruption

Trip Interruption Coverage includes the same stipulations as listed above in “Trip Cancellation”. It includes the caveat of covering the cost of accommodation to you if you are delayed.

Baggage Coverage for Loss/Damage

Being compensated for baggage loss of lost personal gear is likely the second most important aspect of your insurance. This is one of the most common reasons file a claim on your travel insurance.

This covers reimbursement for loss, theft, or damage incurred during the trip. It can be applied to all personal items that were lost, stolen, or else accidentally blown off the roof of a chicken bus travelling at top speed.

Baggage Delay

In the event your checked baggage is delayed or misplaced by the air carrier (for more than 12 hours) , you can claim reimbursement for any necessary items you need to purchase until your bag arrives. This will typically mean toiletries but may even mean some travel clothes if you can demonstrate the purchase is essential.

Trip Delay cover protects you when you’re unable to reach your destination on time due to circumstances beyond your control. If your airline cancels your flight due to a technical fault, Allianz travel insurance will reimburse you for any meals, transportation, or accommodation costs you incurred as a result. Note that delays of less than 6 hours are not covered.

Change Fee Coverage

Have you ever tried to change or vary a flight date or add or remove a passenger?! The fees can be insanely high. This is where Change Fee coverage comes in. If you have the AllTrips Executive, OneTrip Prime plan or OneTrip Premier plan, you can claim up to $500 to cover the cost of the airline change fee.

Travel Accident Coverage

If you are in an accident, you may be entitled to claim a compensation payment in addition to your medical/repatriation costs. This is usually reserved for loss of limb/eyesight type scenarios and you can’t claim for whiplash or emotional trauma from falling from a donkey!

The Travel Accident Coverage is also payable to your family in the event of your death.

Rental Car Damage and Theft Coverage

The AllTrips travel insurance polices also include rental car coverage. This can often prove considerably cheaper than obtaining insurance direct from the rental car provider.

If you are resident in the US, this feature may not be available to you. For clarity, we suggest you speak with Allianz travel insurance directly.

There are some notable omissions from Allianz’s cover. Let’s take a look at them.

Pre-Existing Medical Conditions

If you have a pre-existing medical condition which causes you problems on your trip, it is not covered under the Allianz policies. This is fairly common amongst insurers. It is important that you do declare any pre-existing conditions when taking the policy out.

If you do have a pre-existing medical condition, then you may be very interested to hear that SafetyWing can offer full coverage for PEMCs in their policies.

Things go wrong on the road ALL THE TIME. Be prepared for what life throws at you.

Buy an AMK Travel Medical Kit before you head out on your next adventure – don’t be daft!

Extreme Sports

Allianz Travel Insurance does not any kind of adrenaline sport such as Quad Biking and Parachuting. The lack of coverage for extreme or adventure actives is one of the many reasons why we now prefer World Nomads. To get full details of the kind of activities World Nomads can offer coverage for, head over to their site and get a tailer made quote.

So as you can see, Allianz Global Assistance offers a lot of different policy types for a lot of different people. Allianz Travel Insurance maybe suitable for the following kinds of travellers;

• Annual Travellers – With the Allianz annual plan, you may be covered for a whole rotative journey around the sun, no matter how many times you travel! Annual plans are great for frequent and long-term travellers to save you money in the long run. On the other hand, though, SafetyWing offers a month-by-month policy which you can stop and start depending on how much you travel; this may prove to be more cost-effective.
• Senior/Ageing Travellers –  Allianz travel insurance policyholders are among the best senior travel insurances . They have no age limit. Believe us, not all insurers offer this and we have a LOT of queries from over 65’s & over 70’s who have struggled to find insurance elsewhere.
• Travelling Families –  Allianz travel insurance policies may allow children under the age of 17 to travel with their parents for free, on selected plans. This is great for families with kids. My earliest travel memory is of a Spanish ER department, my parents were glad they had me on their policy. Otherwise my foot would still be bleeding 33 years later!

Whilst they do offer a myriad of different plans to cover most travellers types, Allianz is perhaps not the ideal travel insurance company for absolutely everybody out there.

• Adventure Travellers –  Allianz Travel Insurance does not offer protection for extreme activity or sport of any kind! If you plan on doing any dangerous, adrenaline-type activities, then perhaps consider World Nomads who can offer coverage for over 201 different extreme sports. SafetyWing are also rapidly extending their extreme coverage.
• Travellers Wanting High Medical Coverage –  We usually recommend travelling with at least $100,000 of emergency medical coverage. If you come down with a severe illness or are mangled by a badger, you might be stuck with thousands of dollars in medical bills so need to be prepared. World Nomads do offer $100,000 in medical emergency cover.
• Corporation Haters –  Allianz are a major international finance company and we know some of you prefer not to deal with such organisations. That’s a perfectly legitimate point of view. However, remember that even a lot of “boutique” insurers are in fact ultimately shop fronts for big insurers such as Zurich, Lloyds, or even Allianz. In fact, all some boutique firms do is sell you the illusion of dealing with a small firm and charge you a hefty commission for the privilege.

So now we know the details, the next burning question is how much does Allianz Travel Insurance cost?

Well actually, it’s very difficult to say. The pricing details vary depending on a wide range of factors such as your age, location, your trip plans, if you have a pre-existing medical condition, and numerous other factors that only the gods of insurance can compute. It’s worth it to get in there and check yourself.

So, now, let’s talk about our trusty travel insurance plans for backpackers.

World Nomads

World Nomads offers coverage for backpackers and adventure trailers. They are one of our favourite travel insurance providers and we have used them for years.

Unlike Allianz travel insurance, World Nomads are a travel insurer with a focus on backpackers.

World Nomads offer 2 separate plans depending on how much cover you want and what exactly you intend to do. World Nomads can also offer trip cancellation coverage, electronic gadget, and theft coverage in the policies.

Word Nomads can cover over 140 countries (but not Pakistan which is a shame for us) . They can also cover a wide range of adventure stuff and extreme sports like mountaineering which Allianz travel insurance do not.

However, they do not offer home country cover and do not offer open-ended cover. If you are not planning on doing any adventure stuff though, then you may find World Nomads to be a bit expensive.

SafetyWing are a relatively new player on the scene. They are founded by travellers, for travellers, and their primary target is for those travelling as a digital nomad : people like me who move around the world working from our laptops. We can go many years without ever going “home” and SafetyWing recognises this and can offer open-ended cover.

What we LOVE about SafetyWing is that their insurance operates like a monthly subscription that you can stop and start as and when you need it. They are also one of the few providers who may be able to cover some pre-existing conditions and provide assistance with “routine” health stuff.

We’ve tested countless backpacks over the years, but there’s one that has always been the best and remains the best buy for adventurers: the broke backpacker-approved Osprey Aether and Ariel series.

Want more deetz on why these packs are so  damn perfect? Then read our comprehensive review for the inside scoop!

By this point, you may well know which travel insurance is best for you. Maybe it’s Allianz travel insurance, or maybe it’s one of the others.

The question now then is, when should you buy travel insurance?

You can buy travel insurance up until the start date of your trip for most insurers. Many will not cover a trip that has already begun – with the exception of World Nomads and SafetyWing.

Note : if you ever do make a claim, you may well be asked to provide evidence of the start date. So I do not recommend trying to hoodwink insurers. Be totally honest or it will come back on you.

However, in our experience, the earlier you book your travel insurance, the better. This is for a number of reasons:

• Things sometimes go wrong before the trip even starts. For example, if the airline goes bust. This happens to 1000s of people every year. Or what if you get very sick a week before flying and have to cancel?! If you have the right travel insurance in place, your insurer may cover you in these scenarios.
• The vast majority of policies include a cooling off period . This is a period of time (usually 28 days) when you can cancel the policy and get all of your money back. We suggest using the cooling period to read through the policy documents and ensure that the cover fully meets your needs. Upon a closer look, if it does not suit you, you have time to contact the insurer and amend the policy, or cancel it and obtain more suitable travel insurance.

Personally, I usually book my travel insurance the very same day I book my flight. The only exception is if I already have long term or an annual plan. In these scenarios, instead, be sure to check the last date on your annual/long-term cover and make sure it covers your whole trip.

First up, it is unlikely you will ever need to make a travel insurance claim. Yipee!

In case you do though, you will be very pleased to hear that the process is pretty straightforward as long as you are dealing with a reputable company. If you are not then it may be a lot harder.

To initiate a travel insurance claim, all you need to do is contact (call) Allianz Global Assistance and chat with their 24-hour multilingual staff. You should do this as soon as possible or as soon as you know you will need to make a claim .

You will need to tell them about your claim including details of what has gone wrong, and what the damage seems to be. You can also initiate the process online by signing into your account.

If you are claiming lost or stolen items, you will need to write up a formal sworn statement of events, detailing what happened and what was lost. You will also need to have an official police report made up – it is highly important that you obtain this even if it means paying a fee/bribe or hassling the police to do it. Try to get it in both the native language and in English if possible.

The Insurance company may contact you to discuss your claim further. You may even be subjected to a an anti-fraud interview and your call may even be run through voice detection software designed to spot deceit! However, you have nothing to worry about if your claim is legitimate and in order.

It is very helpful to get all of your receipts and invoices together first and submit all expenses at once. Do keep copies of every expense, bill, invoice, and report as you will need to provide these to the claims team. They may pay out small amounts without a bill, but in the case of extra hotels, flights, or electronics, the rule is usually “no proof = no payment”.

After that is sorted, you upload all of your information and documents, review the claim and submit. The Allianz team will get cracking and stay in contact with you throughout this process. Note that resolution time does vary from case to case. It may be days, weeks, or sometimes months depending on the details of your claim.

I hope you found this Allianz Travel Insurance Review to be informative – it certainly took a lot of work on our part to put it together! Comprehensive travel insurance is important to safe travel and you need to carefully choose the best provider for your needs.

We really care about the safety of our readers. That’s why we do recommend travel insurance so strongly. We’ve seen ourselves what can go wrong – and we wouldn’t wish it on anyone.

So check for trip interruption coverage, get your gadgets covered, but most importantly, make sure any potential medical expenses are covered, especially emergency medical expenses. Shop around different providers to find the right one for you. Once again, we wish you an awesome and safe trip!

And for transparency’s sake, please know that some of the links in our content are affiliate links . That means that if you book your accommodation, buy your gear, or sort your insurance through our link, we earn a small commission (at no extra cost to you). That said, we only link to the gear we trust and never recommend services we don’t believe are up to scratch. Again, thank you!

Aiden Freeborn

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The author did a very nice job explaining the different types of insurance Allianz offers. But, until you have experienced their VERY POOR customer service and actual reimbursement procedures, you will not have the complete Allianz story.

I would never use Allianz Global Assistance for your trip insurance needs During a Viking River Cruise June, 2023, my husband came down with COVID. VIKING handled their end of any claims and taking care of us beautifully, BUT Allianz Global Assistance was a completely different story. We had Trip Interruption insurance (which included coming down with COVID) and trying to get reimbursement for all our medical expenses and a post trip to Amsterdam we had planned (not with Viking, but through our travel agent) has been one of the most frustrating ordeals I have ever dealt with. We are asking for approximately a $2,000 reimbursement and we have received $300.

If you need to file a claim, here is what you can expect after you complete the on-line claim form on Allianz’s website : 1. They will tell you they can’t read your receipts (even though you can read them on the email you send or they are PDFs from Viking or your TA). One Allianz customer service rep (probably the 7th person I talked to), told me to download a $50 app that makes receipts readable, which I did, and they still couldn’t read them. I finally snail-mailed copies of the receipts and they still declined 75% of them. 2. Phone calls with wait times of over an hour. This has happened to me 10+ times (not just a random occurrence), and I have tried all times of the day – same thing. 3. When you do talk to a rep, the call will always, and I mean always, disconnect before the issue is handled.

I could go on and on, but bottom line, I will NEVER use Allianz again or recommend them to anyone. We are out $2,000 + $1,000 we paid for the Trip Insurance. It is a big deal, but I can’t imagine if we had to rely on Allianz for the total trip reimbursement. Thank goodness Viking stepped up and provided the level of customer service they did.

Of course, we are aware that some customers sometimes have insurance claims denied. We also appreciate that others have bad customer service experiences with all kinds of different companies.

However are not privy to the finer details of your situation, and Allianz are not here to put across their side of the story either – furthermore this is not really the legitimate forum to air complaints about them. Still in the interest of openness and transparency we will let your comment stand.

Best of luck with your next trip.

Yes agreed – your statement about Allianz not offering unlimited medical cover is complete BS and misleading to readers. Are you paid to promote World Nomads Insurance? Please provide full disclosure to your readers.

I have just rechecked the Allianz policy information available on their website and what we have said appears to remain correct. If you feel we have missed something then please elaborate.

As for World Nomads, we have made it clear that some of the links in this post are affiliated.

Hi there, I found your article very informative, but I just wanted to make a couple of corrections. Im not affiliated with Allianz, but Ive been researching which insurance to buy and they have provided me with a quote and their PDS, which Ive read in full. The amounts that Allianz offers for overseas emergency assistance and overseas medical and hospital expenses under their comprehensive plan are both unlimited, and they do offer insurance for pre-existing medical conditions, you just have to pay an additional premium.

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• Medical Plan
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Annual Medical Plan

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• Before your trip
• On your trip
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Emergency Medical

• Emergency Medical Transportation 

Meals and Accommodation

Vehicle return.

• 24-Hour Assistance all over the world

Why buy an Annual Medical Plan?

Travel frequently? Check “travel insurance” off your packing lists for a whole year with the convenient Annual Medical Plan.

If you travel two or more times a year, the Annual Medical Plan can save you money on insurance by providing medical coverage for unlimited trips within one year from purchase.

Travellers can select between a 10-Day Annual Medical Plan, which covers unlimited trips lasting up to 10 days each, or a 30-Day plan, for unlimited trips lasting up to 30 days each. These day limits can be extended for any single trip during the year by calling Allianz Global Assistance for an extension.

For the complete list of coverage benefits under this plan and more details, please view the Policy of Insurance in PDF . (View the  accessible PDF version of the policy )

Our Promise to You:  All travel insurance plans offered by Allianz Global Assistance include a 10-day "Free Look" period. If you are not satisfied with your coverage after reviewing your Policy of Insurance, you may cancel your policy within 10 days from purchase for a full refund, provided you have not left on your trip or initiated a claim.

Main benefits

$10,000,000

Provides reimbursement for certain costs for a medical (including hospitalization) or dental emergency that occurs during your trip.

Emergency Medical Transportation

Covers the cost of safe transport to the nearest appropriate medical facility to receive emergency care. Also includes return medical transportation to Canada for continuing care if required.

$300/Day - Max. $5,000

Covers the cost of meals and accommodations if you and/or your travelling companion are delayed beyond your return date or are receiving medical attention.

Covers certain costs related to returning your vehicle or your rental vehicle to its point of origin if a medical emergency prevents you from doing so.

Provides reimbursement for the cost of returning your pet(s) travelling with you, should you need to return to Canada due to an emergency covered under the Emergency Transportation benefit.

24-Hour Assistance

Provides a 24-hour hotline and variety of assistance services in case you encounter an emergency during your travels.

Eligibility

Stability period, trip duration, medical underwriting.

A medical questionnaire is required for travellers who are:

• Age 70-84 years old

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Best Annual Travel Insurance in 2024

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

If you’re a frequent traveler, annual travel insurance may be something you’ve been considering. Unlike single-trip insurance, annual travel insurance plans can cover you for an entire year, no matter how often you’re on the road.

Let’s look at the best yearly travel insurance companies, why we choose them and the coverage you can expect.

Factors we considered when picking travel insurance companies

We used the following criteria when choosing which companies we thought were best:

Cost . Annual plans can be expensive — depending on the type of coverage you choose — so we wanted ensure that they stayed affordable. 

Types of coverage . Travel insurance for annual travelers can be limited in its coverage. We picked the ones with the broadest range of coverage for possible travel disruptions.

Coverage amounts . Annual trip insurance isn’t worth much if your limits are too low. Instead, we wanted plans with reasonable coverage amounts. 

Customizability . If your travels take you to different places, you’ll want the ability to customize your plan. The best annual travel insurance plans can provide this. 

» Learn more: What does travel insurance cover?

An overview of the best annual travel insurance

We gathered quotes from various travel insurance companies to determine the best annual travel insurance policies. In these examples, we used a year-long trip by a 22-year-old from Alabama. We indicated the main countries of travel as France and Malaysia, and when asked, put the total trip costs at $6,000.

The average cost for an annual travel insurance plan came out to $220. The plans ranged from $138-$386.

Let’s take a closer look at our top recommendations for annual travel insurance.

1. Allianz Travel

What makes Allianz travel insurance great:

Lower than average cost.

Provides health care and travel insurance benefits.

Includes rental car insurance up to $45,000. 

Here’s a snippet from our Allianz Travel insurance review :

“AllTrips Basic (annual plan) is suitable for those who would like emergency medical coverage while abroad but don't need trip cancellation and interruption benefits. The AllTrips Prime, Executive and Premier plans provide an entire year of comprehensive travel insurance benefits.

The Executive and Premier plans offer various levels of trip cancellation and interruption benefits. The Executive plan is specifically designed for business travelers since it offers protection for business equipment.”

2. Seven Corners

What makes Seven Corners great:

Offers up to $20,000 for acute coverage of pre-existing conditions. 

Includes up to $1 million for emergency medical evacuation. 

Optional add-on for adventure sport activities.

$0 deductible available. 

Here’s a snippet from our Seven Corners review :

“Seven Corners offers one annual policy called Travel Medical Annual Multi-Trip. The policy can be customized depending on how long you plan to be away from home for any one trip. You can travel as much as you like during the 364 days, so long as any one trip doesn’t exceed the option selected — 30, 45 or 60 days.”

What makes IMG great:

Good customizability with medical evacuations and sports coverage. 

Low $250 deductible.

Includes coverage for semi-private hospital rooms. 

Here’s a snippet from our IMG review:

“Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important to you if you travel to a remote location or engage in physical activity such as trekking.

More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.”

4. Trawick International

What makes Trawick International great:

100% coverage for trip cancellation and trip interruption. 

Emergency medical evacuation included. 

Trip delay reimbursement coverage. 

Here’s a snippet from our Trawick International review :

“Trawick International is a comprehensive travel insurance provider that offers trip delay and cancellation insurance, baggage delay coverage, medical coverage and medical evacuation, rental car damage protection, and even COVID-19 coverage among its various policies.

Trawick covers trips for worldwide destinations, including for foreign nationals coming to the U.S.”

What does travel insurance cover?

You’ll find a wide variety of coverage types offered by travel insurance policies. This is true whether you're purchasing a single-trip or annual travel insurance plan. Here are some common types you can expect to find:

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip interruption insurance .

How to choose the best annual travel insurance policy

While we’ve highlighted some of the best annual travel insurance companies, the truth is that the best plan for you isn’t going to be the best plan for someone else. If you’re interested in buying annual travel insurance, you’ll want to collect a variety of quotes to see which policy best fits your needs.

This may mean opting for a plan that covers pre-existing conditions or one that specifically includes high-risk activities. Or, if you’re in a country where health care is notoriously expensive, you may want to choose a policy with higher maximums.

Many credit cards come with complimentary travel insurance .

Whatever the case, do your research first and review all the plan details before making your purchase.

» Learn more: How to find the best travel insurance

If you want to buy annual travel insurance

Annual travel insurance can be a great option if you’re often out of town. With such a wide range of policies available, selecting a plan that fits your needs is easy. We’ve done some of the work for you by choosing the best annual travel insurance companies, all of which made the top of the list for their cost, customizability, types of coverage and plan maximums.

Like any travel insurance policy, the cost of your plan is going to vary. Factors that may affect the cost of your annual travel insurance include your age, where you’re going, how long you’ll be traveling, your policy maximums and whether preexisting conditions are included.

Although not all travel insurance providers offer annual travel insurance, many of them do. We’ve gathered together the five best, including Allianz Travel, World Nomads, Seven Corners, IMG and Trawick International.

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

on Chase's website

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

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

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

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

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

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

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For the Frequent Traveler: The 11 Best Annual Travel Insurance Policies

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If you take multiple trips every year, insuring each one can be a hassle. There are forms to fill out, comparison shopping over and over again, and then remembering the policy documents for each specific trip. And then there’s the risk you might forget to take out travel insurance for one of your trips.

Plus, those costs add up. There must be a better way.

Enter annual travel insurance. Also known as multi-trip travel insurance, taking out an annual policy covers you for a whole year of travel. Not only is it simpler, it may be cheaper than taking out multiple single-trip policies. But is it right for you?

Annual travel insurance policies aren’t exactly the same as the trip insurance you’d buy for a weeklong holiday with your family. Here are the best annual travel insurance policies, what they do and don’t cover, and how to decide whether taking out a yearly policy might be right for you.

The 11 Best Annual Travel Insurance Policies

GeoBlue offers 2 Trekker plans for annual coverage, which are unique in several ways. These plans cover preexisting conditions, COVID-19, and all travel outside the U.S.

However, they don’t cover any trips inside the U.S. or provide any coverage for canceled, delayed, or interrupted trips. Instead, these are travel medical insurance plans . With the GeoBlue Trekker Choice plan , you’ll get higher maximum payouts in all categories and pay a lower deductible ($100). However, note that this is still secondary coverage .

You’ll get unlimited access to telemedicine and coverage for trips up to 70 days in length . Additionally, coverage is available up to age 95, which isn’t offered on most other policies.

The GeoBlue Trekker Essential plan offers the same pros and cons as the Choice plan. The main differences are the lower maximum payout values and the higher deductible ($200 instead of $100). You also won’t get the Choice plan’s lost baggage and personal effects coverage, which can provide up to $500 per trip. Again, this secondary medical insurance policy is only valid on trips outside the U.S.

Trawick International offers 2 annual plans, and the Safe Travels Annual Basic plan is more economical. You’ll have coverage for everything you expect in a trip insurance policy , such as 100% coverage for trip cancellation or interruption (up to a $2,500 annual maximum) and coverage for delays, lost luggage, delayed luggage, and even medical expenses. To make up for the lower cost of the plan, coverage limits are lower than what you’ll find elsewhere . However, if you want peace of mind while traveling, you can get it for a year and cover trips up to 30 days in length.

While Trawick International’s Safe Travels Annual Deluxe plan offers higher maximum coverage limits than the Basic plan, its maximum payouts for medical and evacuation benefits are lower than what you’ll find with competitors . Where this plan shines is in the coverage for change fees, lost deposits on tours, and coverage for lost items if an airline misplaces your luggage.

You’ll be covered for up to $300 per trip for prepaid excursions, up to 100% of your trip cost (with an annual maximum of $5,000) for trip cancellations or interruptions, and up to $150 per item and $750 per trip for personal effects. After signing up for a plan, you’ll also get a 10-day free look period.

If you want an annual plan with a low price tag , this could be what you’re looking for. The Allianz Travel AllTrips Basic plan covers you for unlimited trips up to 45 days each over the course of a year. Coverage includes emergency medical, emergency medical evacuation, baggage loss and delays, travel delays, rental car theft and damage, and travel accident coverage.

However, there’s a fair list of exclusions from this plan . That includes trip cancellation, trip interruption, missed connections, and change fees. As the name implies, you’ll get basic coverage at a basic price.

The Allianz Travel AllTrips Prime option covers 365 days of trips, though the maximum trip length is just 45 days. While you’ll get coverage for all the standard travel insurance benefits, including trip cancellation, trip interruption, emergency medical, delays, and baggage mishaps, there are limits you should know about with this plan.

The travel accident coverage, which applies to death or the loss of a limb, maxes out at $25,000 per trip, baggage delay maxes out at $200, and baggage loss or damage maxes out at $1,000. The maximum coverage for emergency medical is $20,000, and costs can exceed that quickly in a true emergency.

However, this is a decent option if you want a fair amount of coverage across numerous categories without a high price tag.

For those worried about expensive business equipment or losing points and miles, this plan has you covered. On top of higher maximum payouts in categories such as trip cancellation, emergency medical transportation, or travel delays, you’ll also get rental car damage and theft coverage, change fee coverage, and reimbursement for renting business equipment if yours is lost, stolen, damaged, or delayed during a trip.

Moreover, you can be reimbursed up to $500 to cover fees for reinstating your points and miles if a covered trip is canceled or interrupted. The Allianz Travel AllTrips Executive plan also provides coverage for preexisting medical conditions if you meet certain criteria and buy at least 14 days before the first trip.

Allianz also has a customizable AllTrips Premier plan , allowing you to choose between several payout tiers for trip cancellation and interruption. You’ll pay more when choosing higher maximums, but this allows you to choose exactly what you want in coverage and not pay for more than you need. Another positive is coverage for preexisting medical conditions if you meet certain criteria and buy your policy at least 14 days before your first trip.

You’ll also get rental car damage and theft coverage , $500,000 of emergency medical transportation coverage, $50,000 of emergency medical, and coverage for travel delay expenses after a delay of 6 hours or more. The baggage delay coverage is up to $2,000, but it requires a delay of 12 or more hours. The maximum trip length allowed is 90 days.

The AIG Travel Guard Annual Travel Insurance plan isn’t available to Washington state residents. Still, it provides coverage for trip interruption, trip delay, lost baggage, delayed baggage, and missed connections, as well as both medical and security evacuation, accidental death and dismemberment, and travel medical expenses. However, the coverage limit for dental is just $500, and the maximum coverage for travel medical expenses is just $50,000. Those are lower limits than other plans. Additionally, trip cancellation isn’t included.

However, Travel Guard has some strengths. Trip delay coverage applies for up to 10 days and requires a delay of just 5 hours, and the missed connection benefit applies after just 3 hours. You get a “free look” period of up to 15 days to cancel for a refund, so long as you haven’t started your trip or filed a claim. Maximum coverage for any particular trip is 90 days.

USI Affinity’s Voyager plan has a Silver and Gold option , and pricing is easy to determine from the chart. Simply find your age bracket and the associated cost. The key differences between the plans are in the higher maximum payouts for nearly every coverage type with the Gold plan, other than emergency dental and accidental death and dismemberment. However, the Gold plan also includes coverage types the Silver plan doesn’t: political and natural disaster evacuation, airline ticket change fees, and trip interruption. However, trip cancellation isn’t included with either plan .

The maximum trip length is 90 days, and coverage for Silver and Gold plans lasts for 364 days. An unlimited number of international and domestic trips are covered, and you’re covered for trips as little as 100 miles from home. That’s a lower requirement than most other plans (which tend to require 150 miles).

This plan is ideal for those who don’t live in the U.S., as other plans on this list are only available to U.S. residents and citizens. While the plan technically lasts for 364 days, Seven Corners’ Travel Medical Annual Multi-Trip plan is customizable. It lets you choose a maximum trip length of 30, 45, or 60 days and include or exclude coverage for the U.S. Note U.S. citizens and residents cannot add coverage for inside the U.S.

Seven Corners also provides coverage for travelers aged 14 to 75 years, though maximum payouts decrease in some categories for those aged 65 and older. If you receive medical care in the U.S., Seven Corners will pay 90% of the first $5,000 of covered expenses and 100% of the cost afterward. You’re covered 100% outside the U.S. Note that coverage doesn’t apply to your home country (which includes the U.S. if you’re a citizen, even if you live in another country) and isn’t available in Antarctica, Cuba, Iran, Israel, North Korea, Russia, Syria, or Ukraine.

We considered another plan. Here’s why this annual travel insurance policy didn’t make our “best of” list.

IMG Patriot Multi-Trip International : For trips inside the U.S., you may be on the hook for 20% of your medical expenses if you visit a provider outside IMG’s PPO network. Additionally, the maximum trip length is 30 days, and coverage limits are quite low in multiple categories. These include $50,000 for emergency medical evacuation and $10,000 for political evacuation, a maximum of $50 per item and $250 overall for lost luggage, a $100 maximum for dental treatment, and $25,000 for accidental death and dismemberment 24/7 coverage.

Annual travel policy plans vary considerably. Most provide secondary medical insurance, so you may need to submit to your other coverage (home healthcare plan, credit card insurance provider, etc.) first and then submit to your travel insurance provider for any remaining expenses or deductibles. If you won’t have other coverage, you may want to look for a plan that provides primary health coverage instead. Also, understand that most plans provide reimbursement, so you would pay out of pocket for overseas hospital visits and then submit to your insurance provider for reimbursement after the fact.

What Is Annual Travel Insurance?

Annual travel insurance covers you for many trips over the course of a year (or sometimes 364 days). Rather than needing to buy a travel insurance policy for each trip separately — which can add up — you can buy a single policy that covers all your trips for the next year. It’s important to understand the terms of these policies, though. Some may require buying coverage in advance, such as 14 days before your first trip, while that requirement normally doesn’t exist on single-trip travel insurance.

It’s also important to note which types of trips and destinations are covered by your policy — and which aren’t. Look for how far from home you must travel to be covered and whether domestic trips are included. Moreover, consider what benefits you’re looking for. These can vary from medical-only to all the bells and whistles, such as baggage delay and medical evacuation. Once you know the type of coverage you want, you can find a policy or policies that align with your needs, helping you narrow down your options to conduct a more effective comparison.

Annual travel insurance works as an umbrella policy, covering all your trips during the policy period. You don’t need to inform the policy provider about each trip’s start and stop dates or destinations. You simply buy a policy, and then you’re protected for every trip that meets the conditions while your policy is in effect. Some regions may be excluded from coverage, and you may be subject to a maximum trip length.

Trip length is an important element to pay attention to. Annual travel insurance doesn’t cover you for a year-long trip. It covers you for a year for many small trips within that time, typically up to 30 or 45 days per trip. If you’re looking for a plan to cover you during a year-long trip to another country, you should look for specialized plans for study abroad, mission work, or other situations that apply to you. Traveling full-time? You may need a policy geared toward digital nomads and backpackers.

You should buy your annual travel insurance policy as soon as you know you’ll have multiple trips in the next year and determine that the cost of insuring each alone would be higher than that of a single multi-trip plan. What’s the break-even point on that cost? It depends on the coverage you want.

Considering that single-trip plans can sometimes be found for $10, yet an annual trip is likely to cost $150 or more per adult, you’d need 15 trips to justify the annual policy. However, that’s not really an apples-to-apples comparison, as a $10 basic travel insurance policy won’t provide as much coverage as you’re likely to find on even the most basic of annual policies.

It’s also not just about the number of trips you take but the types of trips, the complexity of the trips, and money at risk in nonrefundable costs. The more of these you foresee in your next year of travels, the more likely an annual plan would be good for you.

We already highlighted that annual policies don’t cover traveling nonstop for a year due to their restrictions on the maximum trip length. Annual travel insurance policies also restrict how far you must travel for coverage to kick in. Driving to the next town over may be a trip in your kids’ eyes, but it’s probably not far enough for your travel insurance to kick in.

While coverage varies by policy, you’ll typically have coverage for sickness, accidental death and dismemberment, lost or delayed luggage, trip cancellation, and possibly injuries during skiing or snowboarding. However, it’s important to read the terms of each policy because coverage maximums and inclusions vary widely. Some policies only provide medical coverage, while others offer robust coverage across the board.

Each policy specifies a maximum trip length. How trips longer than that are treated can vary. Most policies won’t cover any expenses related to a trip longer than the maximum trip length. Suppose you take a trip of 41 days on a policy with a maximum of 40 days. In that case, claims for delayed luggage or medical expenses may be rejected when the claim evaluator asks for your trip confirmation details.

However, GeoBlue covers the first 70 days of any particular trip. If something goes wrong during that time, you’re covered. You’re on your own for anything that happens on days 71 or beyond. Still, you’re covered on those first 70 days, despite taking a longer trip.

If you foresee long trips in the future, make sure you understand these rules.

For some travelers, yes, annual travel insurance is worth it. For others, it’s not.

Annual travel insurance is worth it when it costs less than what you’d pay to insure each trip individually. It’s also worth it if you think you might forget to purchase some of those individual policies throughout the year and would prefer to be done with them for another 365 days.

However, annual travel insurance isn’t worth it if you only take a few trips a year, they’re mostly domestic, and you don’t have major nonrefundable expenses. If you’re traveling within the U.S. with your standard health insurance policy in effect and you have credit cards that provide trip insurance for delays or cancellations, that coverage may be sufficient.

Costs will vary by your home state, age, and number of people included in the policy. Here are the “starting at” costs for our best annual travel insurance policies, sorted from lowest to highest:

Yes and no. Using a credit card to pay for your trip can provide some built-in protections. However, you should be mindful of annual maximums on any policy. You may run into limitations such as a maximum of 2 claims per 12-month period or similar exclusions. If you take many trips, that could be an issue.

To better understand what is and isn’t covered, check out our complete guide to credit card insurance .

To choose the right policy, look beyond the cost alone. Rather than immediately choosing the cheapest policy, find the policy or policies that provide the coverage types you want with payout maximums that cover your travel plans for the next year — both confirmed bookings and likely plans.

Consider your coverage needs. Will you be carrying expensive items such as scuba equipment for a trip to the Galapagos or top-notch camera lenses for a bird-watching tour in Papua New Guinea? How many extreme sports will you participate in?

Conversely, how many “never heard of this airline before” flights will you take to get off the beaten path? These are flights where you may be worried about cancelations that lead to extra costs or a misplaced suitcase.

Consider the types of trips you’ll take and the up-front money at risk if something goes wrong or you get delayed, then look at which plans align with your travels. From there, choose the best plan that aligns best with your needs, which may or may not be the cheapest one.

As an annual travel policy holder myself, I promise you that having the right plan is important when you wind up in a remote hospital in Tanzania with malaria.

Annual travel insurance isn’t right for everyone. However, it makes sense for those who travel often and could save money by taking out a single policy instead of many separate policies. It also makes sense if you’d prefer to avoid filling out paperwork numerous times throughout the year for each trip.

Annual travel insurance policies aren’t great for those who tend to travel closer to home, don’t have major nonrefundable travel expenses, or need to customize coverage for each trip because their travels tend to vary. For example, you might need different coverage for a backcountry ski trip with friends versus a 2-hour drive with your family.

Look at what annual policies do and don’t cover and see if these align with your travel goals and needs. Then, consider the prices for the plans that align well with your situation. After taking an informed look, you should have a good idea of whether an annual policy is right for your situation.

Frequently Asked Questions

Is yearly travel insurance worth it.

For some, yes. For others, no. Annual travel insurance is worth it when the cost is less than what you’d pay to insure each trip separately or you would prefer to just sign up once then be done for a year. However, annual travel insurance isn’t worth it if you only take a few, mostly domestic, trips a year where your healthcare coverage works, and you don’t have major nonrefundable expenses.

How much does annual trip insurance cost?

Costs vary greatly depending on the type of coverage you want. Annual travel insurance plan costs range from $140 to $500 for a single person. If you take a lot of trips, the cost can be worth it over the course of a year, but each person’s situation is different.

When should I take out annual travel insurance?

You should buy your annual travel insurance policy as soon as you know you’ll have multiple trips in the next year and that the cost of insuring each alone would be higher than the cost of a single multi-trip plan. What’s the break-even point on that cost? It depends on the coverage you want. Look at the different types of coverage and your expected costs for insuring each trip separately, then see if it makes sense for you.

Does annual travel insurance automatically renew?

It varies by policy provider, but some companies have an auto-renew feature to ensure you don’t have gaps in coverage.

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About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and now plans to let his wife choose their destinations. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.

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The Best Annual Travel Insurance Plans (2024)

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Annual travel insurance can provide travelers with protection for multiple trips in one year. After researching and reviewing travel insurance companies nationwide, the MarketWatch Guides team found that Seven Corners and Trawick offer the best annual travel insurance plans. International Medical Group, Allianz and AIG Travel Guard also offer annual plans worth considering.

What Is Annual Travel Insurance?

Annual travel insurance — also known as multi-trip travel insurance — can protect multiple trips over a year. For frequent travelers planning several vacations in a year, an annual travel insurance plan can offer a more economical option than purchasing multiple single-trip policies. With annual travel insurance, you should only pay one premium for a year’s worth of coverage.

While each annual travel insurance plan varies by provider, you may find that per-trip or yearly coverage limits apply rather than item-specific limits. In addition, some coverages found with single-trip policies are not typically included in an annual travel insurance plan, such as trip cancellation insurance, baggage loss and rental car coverage. Providers may also not offer the option to add cancel for any reason (CFAR) coverage with an annual plan. Annual travel insurance usually focuses more on medical protection versus a broader range of coverages, based on our assessment.

The 5 Best Annual Travel Insurance Plans

Based on our team’s extensive research on annual, multi-trip travel insurance plans, we’ve named the following as our top picks. 

• Seven Corners : Trip Protection Annual Multi-Trip
• Trawick International : Safe Travels Annual Basic
• International Medical Group (IMG): Patriot Multi-Trip Travel Medical
• Allianz Travel Insurance: AllTrips Premier
• AIG Travel Guard: Annual Plan

Seven Corners Travel Insurance

Pros and Cons

Why we picked seven corners.

Seven Corners provides annual coverage through its Trip Protection Annual Multi-Trip plan. The plan includes COVID-19 protection, trip cancellation insurance and pre-existing condition coverage as standard, and allows for unlimited trips lasting 40 days or less throughout your policy term. You can also customize your annual trip cancellation limit, with up to $10,000 in total benefits.

Trawick International

Why We Picked Trawick

If you’re looking for basic coverage at a low cost, Trawick International offers its Safe Travels Annual Basic plan for a flat rate of $155 per person. Coverage extends up to 30 days for each trip taken more than 100 miles from home during your coverage period and can apply to both U.S.-based and international trips. While Trawick features lower coverage limits than other providers on our list, it offers 100% trip cancellation coverage at no additional cost.

International Medical Group

Why We Picked IMG

International Medical Group (IMG) provides the highest medical coverage maximum of all the providers on our list through its Patriot Multi-Trip Travel Medical plan. The policy offers protection of up to $1 million after paying a $250 deductible for medical benefits, dental, emergency medical evacuation and more. IMG also provides medical and emergency medical evacuation coverage if you have a sudden and unexpected recurrence of a pre-existing condition. Note that you can upgrade your plan to allow for 45 days of coverage per trip versus 30 days.

Allianz Global Assistance

Why We Picked Allianz

The Allianz AllTrips Premier plan provides annual travel insurance coverage for your entire household through one plan — regardless of whether you travel separately or together. The plan includes trip cancellation and interruption benefits as standard coverage, but you can customize the coverage limits at an additional cost. The AllTrips Premier plan also provides rental car coverage, which most providers in this review lack.

AIG Travel Guard

Why We Picked AIG

AIG Travel Guard (AIG) offers one annual travel protection policy, called the Annual Plan. It provides non-flight accidental death and dismemberment coverage up to $50,000, which is not typically included in other yearly policy offerings based on our review. AIG also offers up to $100,000 specifically for security evacuations. Note that there is no age limit to purchasing a policy — the only requirements include holding U.S. residency and buying the policy no later than 24 hours before departure.

Compare Annual Travel Insurance Plans

You can refer to the table below for a side-by-side comparison of our team’s picks for the best annual travel insurance policies.

* Our team gathered quotes from each provider’s website for the above-listed plans based on a 30-year-old sample traveler.

How To Choose an Annual Travel Insurance Plan

There are several steps you can take to help make the process of choosing an annual travel insurance plan easier while ensuring you pick the right plan for your needs as a traveler.

First, it is best practice to research providers before choosing an annual travel insurance plan. Not all travel insurance providers offer this type of policy, and for the ones that do, we recommend you consider industry and customer reputation when making a decision. Note the coverage limits, medical benefits and any additional add-ons each company offers. While the providers listed in this article are our top picks for annual coverage, every traveler’s needs and best-suited plan will vary.

If you have your travel itinerary for the year mapped out and know what you’re looking for in terms of coverage, consider an annual plan that aligns with your needs and concerns. For example, if you have a pre-existing medical condition , you may consider a provider that provides a pre-existing condition waiver and high medical coverage limits. If you’re more concerned about cancellation coverage, you may choose a plan that offers this type of protection, which not all companies include in their annual plans.

How Does Annual Travel Insurance Work?

Annual travel insurance works by covering a traveler during multiple trips over the course of a year. There’s usually no limit to the number of trips you can take during this time. However, companies do include limits on how long each trip can last under coverage. This limit varies by provider, but a standard threshold is a maximum of 90 days based on our review.

Some annual travel insurance benefits work on a per-trip or per-year basis. For example, a yearly plan may have a baggage loss limit that resets every trip, while it sets separate limits for trip interruption benefits for an entire year of travel. Plans are typically non-renewable, so once your coverage is up, you would have to buy a new plan to cover another year of travel.

After purchasing a plan, coverage begins on the effective date, which your provider should list within your policy documents. Coverage ends on your policy’s expiration date, which your provider should also detail within your policy. How long coverage extends per trip, and the associated coverage levels, will depend on your provider.

We recommend you read your policy carefully to ensure you fully understand the applicable limits of your annual travel insurance plan.

Benefits of Annual Travel Insurance

The benefits of an annual travel insurance plan include low costs compared to purchasing individual plans, convenience and consistent coverage across all of your trips. Learn more in the sections below.

Cost-Efficiency

Annual travel insurance plans are often more cost-efficient than several single-trip policies, according to our quote collection process. If you’re taking more than one or two trips within a year and looking for coverage on a budget, you may consider an annual travel insurance policy.

Convenience

Purchasing one travel insurance policy to cover a year’s worth of multiple trips is easier than buying several single-trip policies. You only need to worry about one set of terms, conditions, policy limits and more instead of juggling multiple plans.

Consistent Coverage

An annual travel insurance policy can ensure that coverage stays consistent throughout your travels. You can take trips of varying lengths to different destinations, but your coverage and benefits should remain the same within your term limits.

Drawbacks of Annual Travel Insurance

As with most types of insurance, there are both pros and cons to annual travel plans. These drawbacks include limited benefits and a variety of exclusions, which we’ll detail below.

Variety of Exclusions

Many providers do not include trip cancellation coverage if you purchase a basic annual policy. While some providers allow you to add these benefits to annual policies for an extra cost, coverage is not typically included as standard as with a single-trip policy.

Offers Lower Limits

Annual travel insurance limits are often lower than with a single-trip policy. If you’re looking to insure a costly trip or need a plan with high medical coverage limits, you may want to consider a single-trip plan instead.

Annual Travel Insurance vs. Single Trip Travel Insurance

You will likely notice differences and similarities when comparing annual travel insurance versus single-trip travel insurance policies. For one, both yearly and single-trip policies usually bundle travel medical, emergency medical evacuation, baggage loss, baggage delay and travel delay coverage within a standard policy . Single-trip policies, however, often include trip cancellation benefits, which many annual policies only offer as an add-on.

Both annual travel insurance and single-trip policies limit the length of trips covered. For yearly plans, limits can range from 30 to 90 days for a single trip, and you’ll need to head back to your home base in between trips. For a single-trip policy, plans often limit trip length to no longer than 180 days.

Cost Differences Between Annual and Single-Trip Travel Insurance

Annual multi-trip policies can be more cost-effective than single-trip coverage for frequent travelers, based on our review. Typically, single-trip policies may benefit travelers taking one or two trips in a year. Annual travel insurance is usually more suited for those who travel often, taking upwards of three trips or more within a year’s time.

There are times when a single-trip plan may better suit your needs compared to an annual policy. For example, if you are taking high-end, luxury trips with a high overall cost, you may benefit more from single-trip policies for each trip with high cancellation and interruption limits.

Who Needs Annual Travel Insurance?

Various types of travelers could benefit from an annual coverage plan. A multi-trip travel insurance plan is worth considering if you travel frequently for business or pleasure and do not need coverages such as trip cancellation insurance. Annual insurance may also suit travelers who like to take last-minute trips or longer vacations, as having an annual travel insurance plan in place can offer more convenience.

Annual plans are also worth considering for lower-cost trips where the primary concern is covering a potential medical emergency. As mentioned, annual plans do not usually offer trip cancellation coverage as a standard inclusion. However, they typically include medical expenses and emergency medical evacuation coverages — ideal for those looking to protect their health versus trip expenses during their travels.

If you’re taking expensive or high-value international trips throughout the year, you may prefer a single-trip policy for the trip cancellation benefits that come with each plan. Or, if you’ve booked a variety of non-refundable expenses, such as hotel or tour reservations, a single-trip plan with cancellation coverage may also better suit your needs.

What Does Annual Travel Insurance Cover?

Annual travel insurance policies offer a variety of coverages to offer financial protection if  unexpected events occur. From medical emergencies to travel inconveniences, yearly plans can provide comprehensive coverage for peace of mind.

Exclusions and Limitations of Annual Travel Policies

Annual travel insurance policies usually have the same exclusions as single-trip policies. Typically, pre-existing medical conditions are not covered. Still, some providers offer a waiver to extend coverage for medical bills or claims related to your recent medical history. Standard annual policies don’t cover adventure sports, but this coverage is often available as an add-on. Moreover, “foreseeable” events, such as natural disasters or named storms that began before you purchased your policy, are also excluded from annual travel coverage.

The coverage provided through an annual travel insurance policy also has limitations. For example, travel medical expenses and emergency medical evacuations have capped monetary limits. If the medical bills incurred during your travels cost more than the coverage you’ve purchased through your policy, you will have to cover the excess out-of-pocket. In addition, trip interruption benefits will cover a percentage of your non-refundable travel expenses, with the amount depending on your plan and provider.

According to Angela Borden, Product Marketing Specialist at Seven Corners, “One of the most common reasons for a denied claim is because a traveler misunderstood the details of their plan. If you have any questions about what’s covered, contact your provider. They’ll be able to address any concerns so that you can travel more confidently.”

We recommend you read through your annual travel policy documents thoroughly to understand the exclusions and limitations associated with your coverage. 

How To Buy Annual Travel Insurance

Purchasing an annual travel insurance policy is usually a straightforward process, as most providers allow you to get a quote and buy a policy entirely online. However, there are some specifics to pay attention to when purchasing a policy. 

Coverage Start and End Dates Vary

It is best practice to pay attention to when your coverage starts and ends with your chosen policy. Most providers specify the start date as when you begin your travels. Plans will likely end a year after your start date or when your benefits are exhausted, whichever comes first. Coverage for each trip cannot exceed the specified maximum length outlined in your policy, so take note of the stipulations around coverage start and end dates.

Understand the Claims Process

It can help to understand how to file a claim with your provider before an emergency occurs during your travels. Many companies allow you to file a claim online, but you can often speak with a claims representative during specified hours if you’d prefer to talk to someone over the phone. You’ll likely have to provide documentation for your claims, so we recommend you keep all receipts and other necessary documents during your travels.

Look for Add-On Options

Some annual travel insurance providers offer optional add-on coverages for an additional cost. You may find that you can customize your coverage limits as well. For example, Allianz and Seven Corners allow you to choose your trip cancellation coverage limits, but increasing the amount can result in an additional cost. Other companies, such as IMG, provide adventure sports riders for those looking to participate in activities such as paragliding, skydiving, windsurfing and more.

Is Annual Travel Insurance Worth It?

Annual travel insurance plans can be worth it for certain travelers . If you travel frequently for business or pleasure and prefer consistent, cost-effective insurance protection, an annual multi-trip policy may be the right choice for you over a single-trip policy. However, examining your unique coverage needs can help you better gauge whether you need a yearly policy.

“When you’ve made a financial investment in your trip or need to protect your health when you travel, travel insurance is 100% worth it. Travel insurance can reimburse you for prepaid, nonrefundable trip expenses if you need to cancel or interrupt your trip for a covered reason. This means you get money back in your pocket if the unexpected happens. Travel insurance can also reimburse you if your belongings are lost, stolen, or damaged and you need to replace them during your trip.” Angela Borden, Product Marketing Specialist at Seven Corners

We encourage you to gather multiple annual travel insurance quotes from various providers, comparing the costs and coverage limits on each policy. This can help you choose the coverage that best fits your needs.

Frequently Asked Questions About Annual Travel Insurance

What is the difference between annual multi-trip and long-stay trip insurance.

Annual multi-trip travel insurance covers multiple short-term trips — usually lasting 90 days or less — over the course of a year. Comparatively, long-stay trip insurance protects extended trips to one location and can be ideal for those working or studying abroad , taking a gap year and more.

Is an annual travel insurance plan worth it?

Annual travel insurance plans can be worth it for people who travel frequently and want affordable, consistent protection throughout the year. It may not be worth it for travelers looking for protections such as CFAR coverage or general trip cancellation benefits.

How much does annual trip insurance cost?

The average cost of annual trip insurance can range from $155 to $485 , based on quotes we gathered for multiple companies. The cost of an annual trip insurance policy will depend on factors such as your chosen plan, provider, coverage limits, add-on coverages and more. The best way to learn how much an annual multi-trip plan will cost you is to obtain free quotes from multiple providers.

Methodology: Our System for Rating Travel Insurance Companies

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

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

The best travel insurance policies and providers

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

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

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

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

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

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

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

The best travel insurance providers

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

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

AIG Travel Guard

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

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

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

Preexisting conditions

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

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

Standout features

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

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

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

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

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

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

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

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

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

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

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

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

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

Purchase your policy here: American Express Travel Insurance .

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

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

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

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

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

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

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

Purchase your policy here: GeoBlue .

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

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

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

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

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

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

Purchase your policy here: IMG .

Travelex Insurance

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

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

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

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

Purchase your policy here: Travelex Insurance .

Seven Corners

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

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

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

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

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

Purchase your policy here: Seven Corners .

World Nomads

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

World Nomads offers two single-trip plans.

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

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

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

Purchase your policy here: World Nomads .

Other options for buying travel insurance

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

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

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

Is travel insurance worth getting?

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

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

What is the best COVID-19 travel insurance?

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

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

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

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

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

What are the different types of travel insurance?

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

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

Should I buy travel health insurance?

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

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

How much does travel insurance cost?

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

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

When and how to get travel insurance

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

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

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

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

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

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

Bottom line

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

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

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

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

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

The 5 Best Annual Travel Insurance Plans of 2024

Allianz Travel Insurance »

AIG Travel Guard »

Seven Corners »

GeoBlue »

Trawick International »

Why Trust Us

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

Table of Contents

• Allianz Travel Insurance
• AIG Travel Guard

Buying travel insurance can be a smart move for most trips, but those who travel more than a few times a year should consider an annual travel insurance policy. Whether you regularly travel for business and/or take several vacations a year, annual travel insurance plans can help you get the coverage you need without having to price out and purchase protection every time you leave home.

If you find yourself in a situation where an annual plan makes sense, know that not all travel insurance companies offer this kind of coverage. You'll also want to consider the available annual travel insurance plans to see which options make sense for your travel style and the level of coverage you want.

Frequently Asked Questions

Annual travel insurance plans all work in their own way, but the majority let travelers pay one annual premium for coverage that lasts for up to 364 days. These plans often limit the length of individual trips that are covered within the coverage year. Per-trip and annual limits on coverage can also apply.

In some cases, annual travel insurance plans require a deductible or coinsurance for certain types of coverage. If you're considering an annual travel insurance plan because you take multiple trips each year, make sure you read over the policy details and understand all coverage limits and trip limits that apply.

The cost of annual travel insurance typically varies based on factors like the age of the travelers applying, included benefits and coverage limits. You will want to shop around to compare plans across multiple providers using a platform like TravelInsurance.com or Squaremouth before you settle on a travel insurance policy.

To provide an example of the cost of annual travel insurance, U.S. News applied for a quote for two 40-year-old travelers seeking coverage for eight trips over a 12-month period. The Squaremouth travel insurance portal quoted policies with costs that range from $206 for the GeoBlue Trekker Essential plan to $610 for the Safe Travels Annual Deluxe plan by Trawick International.

Annual travel insurance can be worth it if you take multiple trips each year and want to make sure you always have coverage in place. After all, the alternative to having a multitrip policy is buying a new travel insurance plan for every vacation you take. That's not always feasible for frequent travelers who are always jetting off somewhere new – often at the last minute.

Just keep in mind that annual travel insurance plans tend to come with lower coverage limits than plans for single trips, and that you'll pay a premium for coverage that comes with comprehensive benefits and high limits for medical expenses and emergency evacuation.

• Allianz Travel Insurance: Best Overall
• AIG Travel Guard: Best for Basic Coverage
• Seven Corners: Best for Medical
• GeoBlue: Best for Expats
• Trawick International: Best for the Cost

Tailor your annual travel insurance plan to your needs

Most plans include coverage for trip cancellation and interruption, travel delays, medical expenses, and more

Lowest-tier plans (AllTrips Basic and AllTrips Prime) come with no or relatively low coverage limits for trip cancellation

Most annual plans (except for AllTrips Premier) do not cover trips longer than 45 days

• Trip cancellation coverage worth up to between $2,000 and $15,000
• Trip interruption coverage worth up to between $2,000 and $15,000
• Emergency medical coverage worth up to $50,000
• Up to $500,000 in emergency medical transportation coverage
• Up to $2,000 in coverage for lost or damaged baggage
• Up to $2,000 in coverage for baggage delays
• Travel delay coverage worth up to $1,500 ($300 daily limit)
• Rental car coverage worth up to $45,000
• Up to $50,000 in travel accident coverage
• 24-hour hotline assistance and concierge service

Annual Travel Insurance Plan offers year-round travel insurance protection

Relatively high limits for medical expenses ($50,000) and emergency evacuation ($500,000)

No trip cancellation coverage and relatively low limit ($2,500) for trip interruption coverage

No coverage for preexisting medical conditions

• Up to $2,500 in coverage for trip interruption
• Up to $1,500 in coverage for trip delays of five-plus hours ($150 per day limit)
• Missed connection coverage worth up to $500
• Up to $2,500 in baggage insurance
• Baggage delay coverage worth up to $1,000 for delays of at least 12 hours.
• Up to $50,000 for emergency medical expenses ($500 for emergency dental sublimit)
• Up to $500,000 for emergency evacuation and repatriation of remains
• Up to $50,000 in accidental death and dismemberment (AD&D) insurance
• Up to $100,000 in protection for security evacuation

Provides coverage worth up to $250,000 for emergency medical expenses

Tailor other included benefit levels to your needs

Coverage only applies to trips up to 40 days

Deductible up to $100 applies for emergency medical coverage and baggage and personal effects

• Trip cancellation coverage worth up to between $2,500 and $10,000
• Trip interruption coverage worth up to 150% of the trip cancellation limit
• Up to $2,000 in trip delay coverage ($200 daily limit)
• Up to $1,000 in protection for missed connections
• Up to $250,000 in coverage for emergency medical expenses ($50,000 in New Hampshire)
• $750 dental sublimit within emergency medical coverage
• Up to $500,000 in coverage for emergency medical evacuation and repatriation of remains
• Up to $2,000 in coverage for baggage and personal effects
• Baggage delay coverage worth up to $1,000 ($100 daily limit)
• 24/7 travel assistance services

Get annual coverage for medical expenses and routine medical care

High limits for medical expenses and emergency medical evacuation

GeoBlue plans don't offer comprehensive travel protection

Deductibles and copays apply

• Ambulatory and therapeutic services
• Inpatient hospital services
• Emergency medical services
• Rehabilitation and therapy
• Preventive and primary care

Choose among three tiers of annual travel protection

Option for basic protection with affordable premiums

No coverage for preexisting conditions

Maximum trip duration of 30 days per trip

• Trip cancellation coverage up to $2,500 maximum per year
• Trip interruption coverage up to $2,500 maximum per year
• $200 per trip for trip delays (up to $100 per day for delays of 12 hours or longer)
• Up to $500 in coverage per trip for baggage and personal effects
• Baggage delay coverage up to $100 per trip
• Up to $10,000 for emergency medical expenses per trip
• Up to $50,000 in emergency medical evacuation coverage per trip
• Up to $10,000 in AD&D coverage
• 24-hour travel assistance services

Why Trust U.S. News Travel

Holly Johnson is a travel expert who has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world. On a personal level, her family uses an annual travel insurance policy from Allianz. Johnson works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – within their family media business and travel agency .

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

These are the scenarios when travel insurance makes most sense.

Best Annual Travel Insurance Plans: AIG Travel Guard vs Allianz vs Seven Corners vs GeoBlue & More

When you purchase through links on our site, we may earn a commission. Here’s how it works .

Most people consider getting trip insurance for a single vacation. But did you know that several major insurance companies provide annual trip insurance plans? These plans can cover you, a spouse, and even your entire family if you want to insure multiple trips during the year — for huge savings compared to insuring each trip separately.

How does annual trip insurance work? Does it differ from traditional per-trip insurance? And which providers are your best options? Our experts have delved into all of these questions and more to help you decide if an annual policy is best for your needs.

Table of Contents

Article Overview

• Annual Trip Insurance Limitations

Who Should Consider Annual Trip Insurance?

• Best Annual Trip Insurance

What Are My Other Options?

Looking for per-trip travel insurance, annual travel insurance limitations.

You also need to be aware that yearly policies typically have trip-length limits , meaning they limit the number of consecutive days in one trip that they’ll cover (this isn’t an issue with per-trip policies). These trip-length limits vary by policy, ranging anywhere from 30 to 90 days. For example, this means that if your policy has a 30-day limit and you get injured on day 31, you won’t receive medical coverage for that injury because it falls outside of the trip-length limit.

Note: Most annual and typical per-trip vacation insurance policies have restrictions on the types of “adventure” activities they’ll cover if you get injured. These can include bungee jumping, hot air ballooning, parachuting, skydiving, mountain climbing, scuba diving, and similar “hazardous” activities.

Read each policy carefully to see which activities are and aren’t covered. If you plan on these types of activities on your vacation, you may want to consider a per-trip policy from World Nomads , which has specialized coverage for adventure activities.

Annual trip insurance is best for:

• Leisure or business travelers taking multiple trips over the course of one year
• Frequent international travelers who need medical coverage while overseas
• Travelers who don’t need high trip cancellation coverage

Annual trip insurance isn’t ideal for:

• Individuals, couples, or families who will only be traveling once or twice over the next year
• Travelers taking multiple lengthy trips during a year (lasting longer than 90 days)
• Travelers who need high trip cancellation coverage

Best Annual Travel Insurance Plans

We’ve broken down our best picks for annual travel insurance by categories based on your individual needs. But, we also encourage you to read our other options in case there’s another provider that works better for you.

Our experts have analyzed each company by its policy benefits and pricing, COVID-19 coverage, customer service, user reviews, BBB ranking, AM Best ratings (financial strength of the insurer), and other factors. All of the companies we include in our reviews have an A- or better rating from AM Best, have an online claims process, and offer 24/7 travel assistance for concierge service and other needs.

Policy Pricing And Availability

We haven’t included policy pricing in our reviews because most yearly travel insurance premiums vary for each traveler. The companies typically base their pricing on the age of travelers and your state of residence. And be aware that not all policies are available in every state.

Best Overall: Seven Corners Review

Free Quote At SquareMouth

Seven Corners stands out as our pick for the best overall annual trip insurance company. They have two yearly plans, Wander Frequent Traveler and Wander Frequent Traveler Plus (which includes COVID-19 medical/trip interruption coverage). Both plans have customizable options, allowing you to tailor your plan to your budget.

You can customize your plan for 30, 45, or 60-day trip limits. You can also choose your deductible from $0, $250, or $500 (per person, per occurrence). And they have a hazardous sports coverage add-on, which is roughly $25 per person. Other companies we reviewed don’t offer this option.

Both plans offer a generous $1 million coverage for emergency medical and medical evacuation coverage , in addition to great coverage for trip interruption, accidental death and dismemberment (AD&D), trip delays, baggage loss and delays, and more.

And unlike many other travel insurance companies, they’ll cover you for pre-existing medical conditions up to $20,000 per person for an unexpected recurrence of a pre-existing condition (some age restrictions apply).

Note : Coverage is for international and domestic travel, but domestic travel requires pre-certification.

Best Budget: GeoBlue Review

If you’re looking for the best cheap year-long travel insurance, GeoBlue may be your best bet as long as you’re okay sacrificing a few benefits other companies provide. GeoBlue has two budget-friendly plans, Trekker Essential and Trekker Choice. Both have good coverage for emergency medical ($500,000 and $1 million) and medical evacuation ($250,000 and $500,00) as well as decent benefits for lost luggage and AD&D. Both also have 70-day trip limits.

What do you not get? Neither policy covers trip interruptions and cancellations, travel delays, or baggage delays. They also are one of very few companies we’ve reviewed that have no coverage for COVID-19 occurrences. But unlike most companies, GeoBlue covers pre-existing conditions as well as non-emergency medical expenses.

Note : Coverage is only for travel outside of the U.S.

Best For Trip Cancellation Coverage: Allianz Review

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A big player in the travel insurance industry, Allianz offers several competitively priced annual plans that include trip cancellation coverage. However, it’s important to know that trip cancellation benefits apply per year rather than per trip. All the other benefits included in policies, like emergency medical, baggage loss, etc., apply for each trip you take during your year of coverage.

Allianz has four annual plans to choose from (all but the Alltrips Basic plan include trip cancellation). Their Alltrips Premier plan is the best overall value out of the four. It has 90-day trip limits, coverage for emergency medical ($50,000) and medical evacuation ($500,000), and generous payouts for trip interruption, trip delays, baggage loss and delays, and AD&D.

And with the Premier plan, you can choose your level of trip cancellation/interruption coverage from $2,000, $5,000, $10,000, and $15,000. This plan also waives Allianz’s typical 120-day look-back period for pre-existing conditions.

Their plans also include rental car damage coverage and COVID-19 coverage for medical and cancellation/interruption. Just keep in mind that if you’re more concerned about higher medical, evacuation, and other benefits rather than trip cancellation, Seven Corners is a better value.

Note : Coverage is for international and domestic travel.

AIG Travel Guard | Trawick | USI Affinity

AIG Travel Guard Review

AIG Travel Guard, a well-respected provider of traditional trip insurance, offers one stand-out annual travel insurance plan. It offers  90-day trip limits , security evacuation coverage (up to $100,000) in the event of a natural disaster, riot, or civil disorder, and COVID-19 coverage for medical expenses and trip interruption.

The policy includes $50,000 for emergency medical, $500,00 for medical evacuation, and good coverage for trip interruptions, AD&D, missed connections, baggage losses, and trip and baggage delays. However, premium pricing is a bit higher than average for the payout benefits you get. It also has a 60-day look-back period for pre-existing conditions.

Note : Coverage is for international travel and travel within the U.S. (must be more than 100 miles from your residence).

Trawick International Review

Trawick International offers three Safe Travels annual travel insurance plans, Basic, Deluxe, and Executive. Their plans stand out because they include trip cancellation coverage ($2,500, $5,000, and $10,000) and COVID-19 cancellation and medical coverage. But be aware that, like  Allianz , the trip cancellation coverage is per year rather than per trip.

However, their other benefit payouts are lower than comparably priced plans from other providers. For example, their mid-level plan’s pricing is higher than average yet offers lower payouts for emergency medical ($20,000) and medical evacuation ($100,000) compared to similar coverage with other companies we review here.

All plans include trip interruption, trip delay, lost baggage, and baggage delay coverage. They also have a 30-day trip limit  with each plan and a 90-day look-back period for pre-existing conditions.

USI Affinity Review

USI Affinity has a good reputation as a long-time provider of traditional trip insurance, and it offers two annual travel insurance plans, Voyager Silver and Voyager Gold. Both plans have 90-day trip limits and coverage for AD&D, baggage loss and delay, and COVID-19 medical.

The major benefit payouts vary widely between the Silver and Gold plans: emergency medical ($50,000 and $100,000) and emergency evacuation ($100,000 and $250,000). You’ll need to go with the Gold plan if you want trip interruption coverage (which covers COVID-19). The Gold plan also includes security and political evacuation coverage (up to $100,000). USI Affinity has a 180-day pre-existing condition look-back period.

Note : The sample policy we reviewed says that coverage is “anywhere in the world.”

If you don’t think annual travel insurance will work for your traveling needs, be sure to see our reviews of the best per-trip travel insurance plans . In that article, we review plans from some of the same companies as we do here as well as additional top travel insurance companies. Benefits and coverage vary a great deal between per-trip vs annual plans.

Sally Jones

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Travel Insurance

Travel Insurance Singapore

With Allianz 24/7 Global Assistance and Support , you'll get the help you need while overseas. From Covid-19 and other epidemics or pandemics, to injury, illness, flight cancellations and baggage delays, we will be with you.

40% off Travel Insurance Plan

Save 40% on the normal cost of single trip, annual multi trip, or family travel insurance from Allianz Travel. 

Refund within 14 days - Get your money back if you change your mind after purchasing of policy*

Travel Insurance with Selected Covid-19 Coverage*

• Our Travel Insurance will cover you against medical costs, cancellations and curtailments due to COVID-19*
• Discover scenarios where Covid-19 has impacted the travel plans of people covered by Allianz Travel insurance policies  here

Travel Insurance Catered to Different Needs

• For Frequent Travellers:  Get covered for an unlimited number of trips (up to 90 days’ duration each trip). Discover our   Annual Plan Travel Insurance here  
• For One-off Trips:  Single trip plan is suitable for an occasional traveller or those who are looking for a short getaway. Discover our   Single Trip Travel Insurance here  
• For Family:  Family plan provides cover for you and the members of your family who travel with you on your journey (maximum of 2 adults) .  Discover our  Family Travel Insurance here  

24/7 Assistance And Support - For Your Safety, Health And Security

• Our team will help organise emergency medical assistance around the clock.

Identify closest hospitals & arrange and pay for transport*

Advance payment for in-patient services, where accepted*

Provision of medical escort if needed, subject to availability*

Arrange payment to return home*

Allianz Partners Group prides itself on providing individuals and their families with assistance and travel insurance solutions specific to their needs. This travel insurance is underwritten by Tokio Marine Insurance Singapore Ltd, with services provided by Allianz Travel, trading as AWP Services Singapore Pte Ltd.

*Subject to the terms, conditions, exclusions and benefits limits of the policy wording. For more information please click on the Policy Wording to read the Allianz Travel Policy Wording.

^Terms & Conditions.

40% Off All Plans (Single Trip, Family and Annual Plans)

The promotional code 'travel40'

1. is valid until 30 April 2024

2. ‘travel40’ code is applicable to Allianz Travel insurance

3. is applicable only on the website of Allianz Assistance Singapore - https://www.allianz-assistance.com.sg/

4. All benefits, limits, terms and conditions of the travel insurance plan purchased under this promotion are subject to the terms and conditions of the Policy Wording. By purchasing our travel insurance with the discount codes above, you are deemed to have read the  Policy Wording  and agreed to all terms and conditions and policy exclusions

5. Allianz Travel reserves the right to end such promotion at any time as it deems fit

Allianz Assistance Singapore

"i got my luggage delayed during my trip in thailand in 2018, allianz travel insurance have been helpful when i inquiry before buying the insurance, during the luggage delayed happen, and afterwards to claim. response have been very fast and accurate. claim is also very fast. i would give 5 stars plus plus plus if possible", benefits highlights.

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Designed for essential travel and medical coverages only

Well-balanced coverages for most type of travels

From S$ 25.20

Inclusive of an extensive scope of travel protection

Core Benefits

• Selected COVID-19 Cover*
• Overseas medical expenses
• Trip Cancellation, Baggage delay and emergency transportation benefits
• Travel inconveniences including trip curtailment and travel delay, medical expenses, and emergency transportation benefits
• Travel personal accident, rental car excess, and lost travel documents benefits
• Personal liability and sports benefits

You have to pay for emergency medical or dental treatment while on your trip.

With Selected Covid-19 Coverage*

You have to pay for emergency medical care (including Covid-19-related) or dental treatment while on your trip.

Any medical expenses incurred in Singapore will not be payable under this plan.

Up to S$ 200,000

Dental care maximum sublimit: S$ 250

Traditional Chinese Medicine sublimit: S$ 200

Up to S$ 500,000

Hospical cash: Up to S$ 1,000

Traditional Chinese Medicine sublimit: S$ 250

Up to S$ 1,000,000

Hospital cash: Up To S$ 2,000

Traditional Chinese Medicine sublimit: S$ 300

You have to cancel your trip before you depart.

With Selected Covid-19 coverage*

You have to cancel your trip before you depart because you or your travelling companion are diagnosed with Covid-19 and/or are required to quarantine; or a family member is diagnosed with Covid-19 (or other covered reason)

Your travel plans are delayed while you are on your trip.

Your travel plans are delayed while you are on your trip because you or your travelling companion are diagnosed with Covid-19 and are required to quarantine (or other covered reason) - sublimits apply - please refer to the policy wording

Transportation is needed following a medical emergency while on your trip.

With Selected Covid-19 Coverage

Transportation is needed following a medical emergency (including Covid-19 diagnosis, or other pandemic or epidemic) while on your trip. This includes emergency local emergency transportation and medical repatriation to Singapore if needed.

Search and Rescue: S$ 10,000

More Benefits

You have to end your trip early and need to recover unused trip costs.

Trip Curtailment: You have to end your trip early and need to recover unused trip costs.

Trip Incident include

• Early Return (You have to end your trip early and need to recover transportation cost for return home.)
• Trip Continuation (Your travel plans are interrupted, but you continue your trip.)
• Extended Stay (Your travel plans are interrupted and you need to recover additional accommodation and transportation costs you have incurred. (Maximum of SGD$300 per day for 5 days)

Subject to the terms, conditions, exclusions and benefits limits of the policy wording. For more information please click on the Policy Wording to read the Allianz Travel Policy Wording.

*There is no cover for lockdowns, changes in government alert levels, quarantine or mandatory isolation applying to a population or part of a population. 

For one-off trips

Single trip plan is suitable for an occasional traveller or those who are looking for a short getaway

For family trips

Family plan provides cover for you and the members of your family who travel with you on your journey (maximum of 2 adults)

For frequent travellers

Cover for every trip in entire year (max 90 days per trip). More practical and hassle-free for those who are planning for more than 3 trips a year.

Travel Insurance Singapore: Protecting Your Journeys with Peace of Mind

With Allianz Travel insurance, you can enjoy the freedom to choose your coverage based on your travel plans. Whether you're a frequent traveller, a family going on vacation, or an individual on a business trip, we have a range of different options to cater to your varied requirements.

As a trusted Singapore travel insurance provider, we provide coverage that goes beyond borders. Allianz Travel insurance policies are designed to protect you against unforeseen circumstances such as trip cancellations, medical emergencies, lost luggage, flight delays, and more.

Ready to secure your peace of mind? Buying travel insurance in Singapore is just a few clicks away. Our user-friendly online platform allows you to easily compare coverage options, receive instant quotes, and purchase your policy hassle-free. Take advantage of our Singapore travel insurance promotion to enjoy discounts and special offers on selected policies.  

Choose Allianz Travel as your trusted partner in travel insurance. Safeguard your adventures and embark on worry-free journeys. Purchase your travel insurance today and let us be your shield against unexpected financial costs.

Selected Covid-19 Cover* Travel Insurance

Emergency medical / transportation, trip cancellation, trip curtailment / incident, travel delay, benefits by product plans.

Emergency Medical

Coverage for Covid-19 medical costs if you are diagnosed with Covid-19 while overseas

Emergency Transportation

Search & Rescue sublimit: S$ 10,000

Emergency Transportation is needed following a medical emergency (including Covid-19 diagnosis, or other pandemic or epidemic) while on your trip. This includes emergency local emergency transportation and medical repatriation to Singapore if needed.

Up to S$ 1,500

If you or a travelling companion fall ill with Covid-19 before your trip begins

Up to S$ 5,000

Trip Curtailment

Up to S$ 1,200

If you or a travelling companion are required to quarantine during your trip. Part of Delay coverage.  Limit per 24-hour period S$ 400 (with receipts)

Up to S$ 10,000

Trip Incident

If you or a travelling companion fall ill with Covid-19 before 

Up to S$ 1,600

No cover is provided for claims arising from lockdowns, changes in government alert levels, quarantine, or mandatory isolation that applies generally or broadly to some or all of a population, vessel or geographical area, or that applies based on where You are travelling to, from, or through.

No cover is provided for claims directly or indirectly arising from or caused by you commencing travel against the Singapore Government’s advice, or against local government advice at your overseas destination.    

Here are scenarios where Covid-19 has impacted the travel plans of people covered by Allianz Travel insurance policies. Disclaimer: They are not based on real people but illustrate the challenges you and your travelling companions might face during the pandemic.

Covid-19 example scenarios, covid-19 diagnosis before travel mr jimmy tan, mr jimmy tan, aged 39, booked a trip to thailand, then he bought an allianz travel comprehensive platinum single-trip plan., unfortunately, before departure mr tan took a pcr test and was diagnosed positive for covid-19., he contacted allianz travel’s 24/7 medical assistance and asked for help.. they directed him to make a paperless online claim for trip cancellation. , during claims processing the pcr test was confirmed as being in mr jimmy tan’s name. allianz travel agreed to pay mr tan s$935 for the parts of his trip that were not refundable, including flight and hotel, along with other costs covered., covid-19 diagnosis during travel the wang family, mr & mrs wang & 2 kids booked a month-long trip to australia   they then bought an allianz travel comprehensive platinum family plan., on day 4 of their trip mrs wang developed a heavy fever.  she tested positive for covid-19., mr wang called  allianz travel’s 24/7 assistance about his wife.  they contacted the hospital &  organised advance payments for covid-19 medical care., the wang family’s final medical costs were s$69,500, which were covered by their allianz travel policy.. they were able to continue their family trip after mrs wang recovered..

Paperless Online Claim

24/7 medical assistance and support .

24/7 Medical Assistance during your trip

COVID-19: 8 Ways Travel Insurance for Singaporeans Got Smarter

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Are you always worrying on too many things about your travels?

Travel should be peaceful… worry-free… pleasant… and any great adjectives that you can think of right now.

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Travel insurance encompasses a range of coverage options. Understanding these terms will help you navigate policy documents and make informed decisions.

Travelling to EU Countries with Allianz Travel Singapore

Allianz Travel Singapore, a reputable travel insurance provider, offers coverage that ensures you're prepared for the unexpected while exploring EU countries.

Tips for Planning a Budget-Friendly Travel Adventure

Budget-friendly travel doesn't mean compromising on safety. Travel insurance plays a crucial role in ensuring a stress-free travel experience.

Solo Travel Safety Tips for Adventurous Solo Explorers

Prioritise safety through pre-trip planning, personal safety practices, and travel insurance protection to ensure your adventures are thrilling and secure.

Family Travel Insurance for Your Loved Ones

When selecting family travel insurance in Singapore, it's essential to consider various factors to ensure you have the right coverage for your specific needs.

Travelling to Australia with Singapore Travel Insurance

As you set your sights on this destination, Allianz Travel Singapore travel insurance becomes your steadfast companion to safeguard your journey.

Single Trip vs Annual Multi-Trip Travel Insurance

Allianz Travel Insurance steps in to offer a safety net that ensures your travels remain as enjoyable and worry-free as possible.

Annual Travel Insurance for Frequent Flyers

By selecting the right annual travel insurance for frequent flyers, adventurers can embark on their journeys with a profound sense of peace.

How Travel Insurance Saves You Unexpected Medical Expenses

Travel insurance plans are designed to provide financial protection and assistance in the event of unforeseen medical emergencies while travelling.

The Importance of Travel Insurance Protection

Allianz Travel Insurance offers extensive coverage that protects you during your travels. Get your Singapore travel insurance quote today.

Essential Tips for Choosing the Right Travel Insurance Plan

By considering these tips, you can make an informed decision and select the right travel insurance plan that offers the necessary protection for your journey.

What to Expect After Submitting Travel Insurance Claims

Learn what to expect after submitting travel insurance claims: from the processing timeline to handling claim rejections. Be prepare for every step of the journey.

Can I Participate in Risky Activities While Travelling

Explore the extend of travel insurance coverage for high-risk activities such as skydiving or paragliding, and more. Find out if accidents and mishaps are included in your policy.

What Documents Do I Need to Claim Travel Insurance?

Ensure a seamless travel insurance claim with our guide on required documents. Discover what you need to protect your trip. Get expert tips now!

What To Take Note of Before Making a Travel Insurance Claim?

Planning to make a travel insurance claim? Our article covers essential tips to keep in mind, from preparing documents to filling out claim forms.

Help is just a phone call away

For 24/7 Emergency Assistance during your trip

Please call +65 6995 1118

For claims enquiries

Call: +65 6327 2215

Mon – Fri, 9:00 - 17:30 Singapore Time

e-mail: [email protected]

For customer service

call: +65 6327 2210 

Allianz Travel: How Can We Help?

24 hour emergency assistance.

• Travel insurance plans

Tin Leg Travel Insurance Cost

Compare tin leg travel insurance.

• Why You Should Trust Us

Tin Leg Travel Insurance: An In-Depth Review

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

Before finalizing your travel plans, look into various insurance policies to safeguard yourself against potential risks. Travel insurance is an invaluable resource that can protect you from many unforeseen issues, but not all companies provide the same level of coverage. And some companies' policies may cost more than others.

That's where Tin Leg Travel Insurance comes in. Created by travel agency Squaremouth, Tin Leg Travel Insurance offers eight different plans with varying coverage levels and benefits, with the option to add Cancel for Any Reason (CFAR) coverage to select plans. Keep reading to see if Tin Leg Travel Insurance is the right travel insurance for you.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policy coverage includes most pre-existing health conditions
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical and evacuation amounts for peace of mind
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. COVID coverage included by default on all insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a wide range of plans for various budgets and travel needs
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans offer CFAR, “cancel for work reasons,” financial default, and unemployment coverage
• con icon Two crossed lines that form an 'X'. Limited add-on coverage options
• con icon Two crossed lines that form an 'X'. Baggage loss and delay coverage is low compared to competitors

Tin Leg travel insurance offers eight travel insurance plans to meet the unique needs of travelers.

• Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.

Overview of Tin Leg Travel Insurance

Tin Leg Travel Insurance is a travel insurance provider founded in 2014 by travel insurance aggregator SquareMouth. With eight different plans, Tin Leg Travel Insurance is one of the providers listed in our guide on the best travel insurance companies , specifically for travelers with pre-existing conditions. We chose Tin Leg Travel Insurance because seven of its eight plans offer pre-existing condition waivers, with a 15-day purchase window and no extra cost.

That said, Tin Leg Travel Insurance has other coverages that are noteworthy. Its coverage limits for emergency evacuation go up to $1 million, which is great particularly if you have nautical travel plans as water-to-land rescues can be costly.

Additionally, sports equipment loss is included with seven of Tin Leg Travel Insurance's eight plans. However, you will need to call for more information on adventure sports, as Tin Leg Travel Insurance doesn't guarantee coverage.

Tin Leg's Travel Insurance Plans

Tin Leg Travel Insurance travel insurance offers eight travel insurance plans: Economy, Basic, Standard, Luxury, Adventure, Silver, Platinum, and Gold. Each plan offers varying levels of protection that correspond to the premium costs.

Here's a look at what you'll get with each plan. We've split the eight plans into two tables to make things easier to follow.

Here's how the Adventure, Silver, Platinu, and Gold plans compare:

Additional Coverage Options

Tin Leg Travel Insurance travel insurance offers additional coverage options, but they're only available on specific plans.

You can add rental car damage coverage to the Luxury plan for an additional fee. And both the Gold and Silver plans allow you to add on CFAR (cancel for any reason) coverage . With CFAR coverage travel insurance, you can cancel for any reason not listed in the base policy and be reimbursed — in the case of Tin Leg Travel Insurance, for 75% of your trip costs.

How to Purchase and Manage Your Tin Leg Policy

Travel insurance coverage varies greatly, and  the amount you pay reflects the range of protection . However, since travel insurance protects your financial investment, it's typically worth spending a few extra dollars for higher coverage maximums, especially for medical insurance and evacuation expenses.

Getting a quote from Tin Leg Travel Insurance travel insurance is an easy process. You can do so from their website or an insurance aggregator like SquareMouth. You should be prepared to provide the following information:

• Number of travelers
• Age of traveler(s)
• Duration of trip
• Whether you want trip cancellation coverage
• Date of booking
• If you have any trip payments left to make
• One country you're traveling to
• Country of residence/citizenship

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for the plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate Tin Leg Travel Insurance's coverage costs.

As of April 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  Tin Leg Travel Insurance travel insurance quotes:

Premiums for Tin Leg Travel Insurance plans are between 1.8% and 3.9% of the trip's cost, well below the average cost of travel insurance . It's also relatively cheap compared to many of its competitors

Tin Leg Travel Insurance provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

Once again, premiums for Tin Leg Travel Insurance plans are between 3.4% and 5.2%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following Tin Leg Travel Insurance quotes:

Premiums for Tin Leg Travel Insurance plans are between 6.9% and 9.4%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to File a Claim with Tin Leg Travel Insurance

One exceptionally nice aspect of Tin Leg Travel Insurance is that you can report a claim online or over the phone. You can contact Tin Leg Travel Insurance's claims department at 844-240-1233 or by email at [email protected] . It's available on weekdays between 8 a.m. and 4 p.m. ET.

You'll be asked to fill out a claims form that asks about your trip details and the issue you faced. Tin Leg Travel Insurance will then ask you to file supporting documents related to your claim. If you're filing a claim because you canceled a flight due to an illness, they'll likely require medical documentation that supports this claim. 

Tin Leg Customer Service and Support Experience

Tin Leg Travel Insurance is well reviewed, receiving an average of 4.6 stars out of five on SquareMouth across nearly 3,800 reviews. Reviews on its Better Business Bureau are consistent with its SquareMouth score, also averaging 4.6 stars across over 110 reviews, admittedly a limited sample size. Additionally, Tin Leg Travel Insurance is not certified with the BBB.

While most customers reported a smooth and speedy claims service, some noted that communication from Tin Leg Travel Insurance during the process can be spotty. Additionally, customers complained about their claims being denied due to requirements they were unaware of when purchasing coverage. One customer wrote about how they had to cancel a trip because of work, but hadn't been working at their company long enough to qualify for trip cancellation coverage.

See how Tin Leg Travel Insurance travel insurance stacks up against the competition. 

Tin Leg Travel Insurance vs. AIG Travel Guard

To compare Tin Leg Travel Insurance travel insurance to Travel Guard , we'll consider the coverage limits from their highest-rated, Gold and Travel Guard Deluxe plans, respectively.

With AIG Travel Guard's Deluxe plan, you'll get:

• Trip cancellation coverage up to $150,000
• Trip interruption coverage up to $225,000
• Emergency medical coverage of $100,000
• Coverage for baggage loss, theft, or damage up to $2,500
• Travel delay coverage of up to $1,000

Comparing those coverages with Tin Leg Travel Insurance's Gold plan, you'll see that AIG's coverages are better than Tin Leg Travel Insurance's in all areas except one – emergency medical. While AIG offers emergency medical coverage of $100,000, Tin Leg Travel Insurance's coverage limit is $500,000 (in primary coverage).

If the medical coverage piece is what's most important to you, Tin Leg Travel Insurance would be the right choice in this scenario. That said, having $100,000 in emergency medical coverage is nothing to scoff at, so it may come down to comparing premium costs.

Remember that the premium costs will depend on the traveler's age, trip destination, and trip cost. So you'll need to compare these two insurers using your trip-specific information to get a solid idea of the costs associated with each plan.

Read our AIG Travel Guard insurance review here.

Tin Leg Travel Insurance vs. Allianz Travel Insurance

Both Allianz Travel Insurance and Tin Leg Travel Insurance travel insurance offer a variety of travel insurance plans designed for different types of travelers with varying types and degrees of coverage.

In this comparison, we'll look at Allianz Travel Insurance's most popular single-trip plan, the OneTrip Prime plan, compared to Tin Leg Travel Insurance's Basic plan.

With Allianz Travel Insurance's most popular single-trip OneTrip Prime plan, you'll get:

• Up to $100,000 in trip cancellation coverage
• Up to $150,000 in trip interruption coverage
• $50,000 in emergency medical coverage
• Up to $1,000 in coverage for baggage loss, theft, or damage
• Up to $800 in travel delay coverage

In looking at Tin Leg Travel Insurance's basic plan, you'll find that these two policies offer the same $50,000 coverage limit for emergency medical. Still, Allianz Travel Insurance's plan exceeds Tin Leg Travel Insurance's in the other coverage limits. That said, you'll have to quote both of these policies using your personal trip information to make an informed decision, especially if cost is the most important factor to you.

Read our  Allianz travel insurance review here.

Tin Leg Travel Insurance vs. Credit Card Travel Insurance

Do you have a travel credit card? If so, consider the type of insurance coverage it may (or may not) offer. Some basic coverages, like primary rental car insurance, are provided through your credit card's travel protection . And if you don't need medical coverage or don't have a lot of non-refundable trip expenses, the coverage offered by your credit card could suffice.

That said, don't forget that credit card coverage is sometimes considered secondary coverage. That means you'll have to file a claim with any other applicable insurer before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Tin Leg Travel Insurance FAQs

All policies except Economy cover pre-existing medical conditions as long as you purchase your policy within 15 days of trip deposit.

You have 14 days after you purchase your policy to refund your Tin Leg Travel Insurance policy, as long as you haven't left for your trip. 

All Tin Leg Travel Insurance travel insurance policies include 24/7 emergency assistance services.

Tin Leg Travel Insurance claims can be submitted online or over the phone at 844-240-1233 during business hours. You'll need to provide details about your trip and the problem that arose during your trip. The claims process is quick, according to customer reviews, but be sure to review your policy for guideline related to claims. 

Yes, all tiers of Tin Leg Travel Insurance travel insurance offer cancellation coverage if you or a non-traveling loved one contracts COVID-19, though you will need to provide a positive test to receive reimbursement. 

Why You Should Trust Us: How We Reviewed Tin Leg

To review Tin Leg Travel Insurance travel insurance, we looked at several different factors. These included premium costs, coverage categories, and claim limits. In addition, we compared the policies and premiums available through Tin Leg Travel Insurance to those from the best travel insurance providers to see how they stack up — and also considered any additional add-on coverages available and the ease of getting a quote and filing a claim.

In the end, the best policy for you will be the one that provides the coverage you need and limits you're comfortable with while also staying within budget.

Read more about how Business Insider rates insurance products here.

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

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

**Enrollment required.

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AIG Travel Guard insurance review: What you need to know

Whether you need an annual plan or a policy for a last-minute trip, travel guard can deliver..

Travel Guard is one of CNBC Select 's picks for best travel insurance , thanks to its wide range of customizable policies. But are any of them right for you? Below, we review the provider and its offers and how they compare to the competition to help you choose the right travel insurance for your next trip.

Travel Guard review

Other insurance offered, how it compares, bottom line, travel guard® travel insurance.

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

Policy highlights

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

24/7 assistance available

• A variety of plans are available to help cover different types of trips
• Not all products are available for purchase online

Travel Guard® is a global travel insurance provider specializing in plans for leisure and business travelers. Its online travel insurance packages include five options, from basic and last-minute trip coverage to more comprehensive plans. This allows travelers to pick a plan that best matches their situation.

For example, budget-minded travelers might go for the Essential Plan which offers basic protections, such as trip cancellation, interruption and delay insurance, coverage for lost, damaged and delayed baggage, and medical, evacuation and death coverage.

On the other hand, the Deluxe Plan — the most comprehensive option — adds such extras as missed connection coverage, security evacuation, travel inconvenience benefits and more. It also boosts high limits for essential coverages.

Last-minute travelers can opt for the Pack N' Go Plan which only includes certain post-departure coverages. Or, if you travel often, the Annual Plan can cover your trips throughout the year.

Finally, Travel Guard offers "offline" travel insurance packages, meaning you'll have to call if you're looking for a specialty plan.

Coverage types

Depending on the plan, here are the types of protection Travel Guard can include in your package:

• Trip cancellations
• Trip interruption
• Baggage coverage
• Baggage delay
• Travel medical expenses
• Travel inconvenience benefits (reimbursement for such situations as runway delays, cruise diversion and other unforeseen situations)
• Medical evacuation
• Trip Saver (reimbursement for meals, hotels and transportation if you need to begin your trip sooner due to weather or airline changes)
• Trip exchange (reimbursement in case you have to cancel your trip and book a new one due to covered unforeseen circumstances)
• Security evacuation (due to a riot or civil disorder)
• Flight guard (coverage for accidental death or dismemberment that occurs when traveling by plane)
• Pre-existing medical conditions exclusion waiver

You can also customize your plan with add-ons, such as car rental insurance and "cancel for any reason" coverage .

Travel Guard landed on our list of the best travel insurance companies thanks to its variety of coverage. With plenty of options to choose from, both online and offline, it's easy to build a policy that meets your needs.

Travel Guard also features 24-hour concierge services that you can use to book a new flight in case of an emergency or delay.

The provider's website also offers informational resources — here, you can check travel news, read safety tips and find general travel advice. Additionally, the website lets you modify your plan, file a claim and check its status, or apply for a voucher or refund.

As of writing, Travel Guard doesn't offer any discounts. That's common for travel insurance — you're more likely to find deals when shopping for other types of insurance, such as home and auto insurance .

Travel Guard is a portfolio of travel insurance and travel-related services offered by AIG Travel, a member of American International Group (AIG). AIG also offers life insurance and a variety of business insurance products.

Travel Guard makes it easy to get a travel insurance policy customized to your needs. But before you purchase coverage, it's always a good idea to shop around.

For example, if you're going on a cruise, you might want to look at Nationwide Travel Insurance . The provider advertises cruise-specific insurance with three plan options available. This type of coverage is designed with issues unique to cruises in mind — from ship-based breakdowns to missed pre-pard excursions.

If you're planning a more active trip filled with rock climbing or sky diving, Berkshire Hathaway offers the AdrenalineCare® plan which features coverage for unforeseen costs that result from participating in extreme sports on your trip, as well as reimbursement for sporting equipment delay. Pre-existing conditions are covered under this plan (if you meet qualifying conditions).

Berkshire Hathaway Travel Protection

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

As you can see, offerings vary by provider. It can be helpful to compare multiple companies and the plans they offer to find what works best for you. It's even better if you gather several quotes to ensure you're getting a good price for your policy.

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

Travel Guard offers plenty of ways to customize your policy, making it a solid choice for travel insurance. You can also access additional options by giving Travel Guard a call. However, make sure to check out other travel insurance companies too — comparison shopping is essential when picking any type of financial product.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

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

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Allianz partners with voice analytics tool Clearspeed to tackle fraud

Allianz’s personal lines business has reported a 29% increase in fraud prevention in 2023 compared to the previous year.

Allianz has announced a new partnership with AI-enabled voice analytics provider Clearspeed, seeking to leverage its fraud detection methods while accelerating its ability to process legitimate customer claims in the UK.

The move comes as the insurance industry witnesses a evolving fraud tactics. A growing trend named ‘crash for cash’ signifies the widespread nature of the technology-fuelled threat; a byproduct of the rise of ‘shallow fakes’, these scams use manipulated images, videos, and documents to pursue false claims.

According to Allianz, cases where apps were used to distort real-life images, videos and documents increased by 300% from 2022 and into 2023.

Ben Fletcher, Director of Financial Crime at Allianz’s personal lines business, said: “Our increased fraud detection rate in 2023 reflects how seriously we take this issue and our partnership with Clearspeed is the next step in our ambitious plans to enhance our fraud prevention measures. I look forward to a collaborative and effective partnership to further prevent insurance fraud and crime.”

Clearspeed CEO Alex Martin added: “Allianz is a world-class organisation, and we are thrilled to announce our partnership with them as we expand our footprint in the UK insurance market.

“In an increasingly complex risk environment, with accelerating customer experience expectations, there has never been a better time to reimagine the claims process.”

This month, Allianz Partners Australia introduced instant online chat for HCF travel insurance customers.

• Travel Insurance

The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Tick Travel Insurance Top Cover Review: Pros and Cons

Published: Apr 24, 2024, 1:46am

When comparing Tick Travel Insurance’s pricing against cover levels in key areas, such as emergency medical expenses and trip cancellation, it can be considered a highly competitive player in the market. Travellers will likely appreciate the unlimited medical cover and $20,000 of cancellation cover available. Plus, the 24-hour medical emergency assistance line may offer added peace of mind. However, whether Tick Travel Insurance Top Policy will be suitable for you, will likely come down to whether cover levels across other areas of need will be high enough.

• Competitive pricing
• High levels of medical and cancellation cover
• High customer service rating
• Credit card fraud not covered
• Higher levels of luggage cover elsewhere
• Missed connections not covered

Table of Contents

About tick travel insurance, what does tick travel insurance cover, does tick travel insurance cover me for covid, pricing comparison, customer service, the bottom line.

Featured Partners

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Tick Travel Insurance is owned by Europ Assistance which is a part of the global Generali Group, and underwritten by Mitsui Sumitomo Insurance Company Limited.

Generali is a large global insurance and asset management provider, while Europ Assistance says it has a presence in over 200 countries, providing comfort and empathy to customers in emergency situations, and an immediate global response.

Tick Travel Insurance’s aim is to make travel insurance simple, covering travellers up to age 100. It offers three levels of domestic travel insurance: Basic, Standard and Top and four types of international travel insurance: Basic, Budget, Standard and Top.

This review will focus on the most comprehensive offering for international travel, being the Tick Travel Insurance Top plan.

Tick Travel Insurance provides domestic and international cover, offering policies for single trips and annual cover for multiple trips in a year. The provider covers adults up to the age of 100, while dependent children, up to 18-years-old at time of purchase, are insured for free on an adult’s policy.

As typical of travel insurance, its policies cover trip cancellation or curtailment and journey resumption, due to unforeseen circumstances such as injury or illness, as standard. Cover for travel delay is available on the top policies, with a pay out of $100 per completed hour up to $1,000. Valid reasons for claiming include bad weather, a vehicle breakdown or strike, and experiencing a delay of more than 12 hours.

Tick Travel Insurance’s Top plan also includes the following standard benefits that form a part of most comprehensive travel insurance policies:

Lost Luggage

This insurer covers the cost of repairing or replacing your lost, stolen or damaged personal belongings up to $7,500. Take note of the $3,000 sublimit— individual limit— on how much you can claim for devices such as laptops, tablets, phones, video cameras and cameras.

Tick Travel Insurance offers unlimited medical cover, which includes cover for ambulance and emergency surgery, repatriation if necessary, and the death of you, or another person insured on the policy.

While the insurer can cover pre-existing conditions (medical conditions you had before taking out the policy), whether you will be eligible for this cover will depend on the details you provide, outlining the condition and its severity, in the medical screening section of the application.

Is Dental Cover Included?

This insurer also extends its cover to dental treatment, paying out up to $500. This is half of what many providers offer, and bear in mind that you can only claim for dental cover for situations where you need immediate pain relief.

Yes, protection against risks in relation to Covid-19 are covered by Tick Travel Insurance’s Top policy. The insurer accepts related cancellation and disruption claims, as well as medical claims for trips outside of Australia.

What About Pregnancy?

You can claim for an extensive range of pregnancy or childbirth complications up to 31 weeks into your pregnancy with this insurer. These include toxaemia, gestational diabetes and pre-eclampsia.

What About Sports And Activities?

From abseiling, to jet skiing and motorcycling, insurance for 90 sports and activities is included automatically with Tick Travel Insurance.

Remember to look out for conditions for claiming. For instance, you will only be covered for three bungee jumps and can only kayak in grades 1 and 2 rapids or lower. Also, some activities may require safety gear that you will need to wear to make a valid claim.

Cover for personal liability and accidental injury only apply to certain activities, as specified in the PDS.

Compared to the competition, Tick Travel Insurance offers relatively decent to high levels of cover across the board for a super competitive price.

When comparing the price of its most comprehensive policy against those of Travel Insurance Direct and Allianz—two providers we rated highly for their comprehensive offering—it comes out on top.

The data below is based on a 28-year-old who needs insurance for Indonesia for seven days.

The above table shows how important it is to shop around for travel insurance, and weigh up your needs with your budget when comparing policies. Tick’s Travel Insurance’s Top policy is only $77, offers considerably more cancellation cover than its competitors for this price, and levies less in excess—the set portion of each claim you must pay.

However, it may not be suitable for those who need higher levels of cover in other areas such as lost luggage and rental car excess. You can find out exactly what a policy includes and excludes in its PDS, which is usually published on the insurer’s website.

You can also find out more about the comprehensive travel insurance providers Forbes Advisor Australia has independently rated the best.

Customers award Tick Travel Insurance a high score of 4 out of 5 stars across 2832 reviews on ProductReview, Australia’s leading consumer opinion site.

Satisfied customers were pleased with how simple they found the process of taking out insurance, and the price of their policy.

However, disgruntled customer complaints were varied. Some speak of technical difficulties with the provider taking payment and not offering a refund instead, trouble accessing their policy documents and rejected claims.

To speak to someone on Tick Travel Insurance’s customer service team, you can fill in the online query form or email: [email protected] .

For 24-hour emergency assistance, you can call: +612 9333 3963, and for emergencies and claims, email: [email protected] .

You can also send written correspondence to:

Customer Services Tick Insurance Australia Suite 1.04, Level 1, 19 Harris Street Pyrmont, 2009 Sydney NSW

Additionally, you can send a complaint via post, or email: [email protected] .

Tick Travel Insurance may be considered most suitable for those looking for reasonable to high levels of cover in key areas, for a competitive price. This includes unlimited medical cover and $20,000 for trip cancellation. In other areas cover levels are decent, but may not be suitable for all. Those taking away belongings worth over $7,500 or needing more than $4,000 in rental car excess may want to look elsewhere.

Frequently Asked Questions (FAQs)

Where can i find the tick travel insurance pds.

A policy’s product disclosure statement (PDS) details what it covers, any exclusions and limitations or sublimits. It’s crucial that travellers read through this document before deciding whether to purchase the policy.

Typically, an insurer will provide a link to a policy’s PDS on its website. The PDS for Tick Travel Insurance’s policies, including its comprehensive cover, are also online .

What is Tick Travel Insurance’s phone number?

Existing customers and those with service queries can fill in Tick Travel Insurance’s online query form should they need assistance, or contact at [email protected].

For 24-hour emergency assistance customers can call: +612 9333 3963.

How good is Tick travel insurance?

We have awarded Tick Travel Insurance 3.7 out of 5 stars based on factors such as the unlimited amount of medical cover, and high level of cancellation cover, it provides. It also scores highly on customer review site productreview.com.au.

However, customers should note it does not cover you, if you fall victim to credit card fraud while away. Neither are you able to choose the amount of cancellation cover you need as with some other insurers. This may not be of concern, considering $20,000 for cancellation is automatically provided, which is a considerable amount, and Tick Travel Insurance policies are competitively priced.

I have been writing for newspapers, magazines and online publications for over 10 years. My passion is providing, in a way that is easily accessible and digestible to all, the knowledge needed for readers to not only manage their finances, but financially flourish.

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