defence health travel insurance reviews

Defence Health Travel Insurance Review

An Aussie Insure summary of...

Defence Health Travel Insurance is an integral part of the Defence Health insurance company. The company specialises in providing specific travel cover including multi-trip, skiing or snow boarding breaks and group excursions. Defence Health also have a selection of products for those who are planning a trip overseas or within Australia.

Defence Health offers excellent cover containing decent benefits that will suit most Australians planning a holiday, business trip or other trip. Their policies are priced quite reasonably and the protection they provide represents good value when comparing to other Aussie insurance brokers.

Defence Travel Insurance Membership

Defence Travel's insurance membership has grown considerably during the past number of years. Their customers can choose from many types of cover from basic insurance policies to products that are furnished with several extra benefits.

Like most other travel insurance companies, when applying for a claim from Defence Health, there could well be a standard excess charge. But when financial experts analyse the average monthly premiums that are charged, most would say they are reasonably priced considering the quality of cover they provide.

Defence Health Travel Insurance Online

Purchasing an online policy from the Defence Health website is relatively easy. Click the link below and follow their step-by-step instructions and your personal quote will be calculated within a few moments.

Defence Travel Insurance Contact Details

Below you will find contact details for Defence Health Travel Insurance compiled by the Aussie Insure research team.

Website:    Defence Health Travel Insurance

Telephone:    1800 335 425

Defence Health Travel Insurance Notes

Please note that the information on this page concerning Defence Health Travel insurance is accurate at the time of publishing. However, details of insurance companies and brokers may change in the future. Although the team at Aussie Insure strive to keep company information up to date there will be occasions when some info may be out of date.

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Defence Health Travel Insurance: Protecting Those Who Protect Us

Introduction

Understanding the coverage of your travel insurance is crucial for any traveler. This is why it is essential to carefully read your insurance provider’s product disclosure statement (PDS). The PDS outlines the inclusions and exclusions of your policy and the potential scenarios that may or may not be covered. This includes accidents, lost belongings, and COVID-19-related incidents. When reviewing the PDS, key factors include your destination, planned activities, and potential risks specific to your trip. Understanding the details of your coverage can help you make informed decisions and avoid any unexpected situations while traveling.

– What is Defence Health Travel Insurance?

Defence Health Travel Insurance offers comprehensive coverage for travelers, including medical expenses, trip cancellation, and baggage protection. They also offer various add-on options to customize your policy, such as Cruise Cover, Cover for Pre-Existing Medical Conditions, Snow Cover, and Adventure Cover.

Regarding COVID-19 protection, Defence Health Travel Insurance provides limited coverage for COVID-19-related risks, including medical expenses and trip cancellation if you or a family member contracted the virus before or during your trip. It’s important to note that coverage may vary depending on the policy and date of purchase. To make a claim related to COVID-19, you must provide documentation, such as positive test results or medical records, and adhere to any travel advisories or government restrictions.

Defence Health Travel Insurance offers a range of coverage options and add-ons to suit individual travel needs, with limited protection for COVID-19 risks.

– Importance of travel insurance for defense personnel

Introduction:

Travel insurance is critical for anyone planning a trip, but it holds particular importance for defense personnel. From unexpected mission changes to unpredictable health issues, those serving in the armed forces face unique challenges while traveling. This article will explore why travel insurance is crucial for defense personnel and how it protects those serving their country.

1. Mission Interruptions and Cancellations:

Defense personnel must often travel at short notice for missions and deployments. However, last-minute changes or cancellations can lead to significant financial losses. The purchase of travel insurance can provide compensation for trip interruptions and cancellations, allowing personnel to remain in their pocket in the event of unexpected schedule changes.

2. Emergency Medical Coverage:

During a medical emergency during travel, defense personnel may not have immediate access to the same level of medical care as they would at home. Travel insurance can provide coverage for emergency medical treatment, including evacuation to a suitable medical facility, offering peace of mind and essential support in times of need.

3. Personal Belongings and Equipment:

Defense personnel often carry valuable equipment and personal belongings while traveling. Travel insurance can cover lost, stolen, or damaged gear, ensuring that vital equipment is protected and can be replaced.

4. Specialized Coverage for Hazardous Activities:

Many defense personnel engage in high-risk activities during their travels, such as combat training or peacekeeping missions. Travel insurance can offer specialized coverage for these activities, providing essential protection in unique and challenging circumstances.

In conclusion, travel insurance is an essential safeguard for defense personnel, offering financial protection, medical support, and peace of mind while serving their country away from home.

Benefits of Defence Health Travel Insurance

Defence Health Travel Insurance offers a range of benefits for all types of travelers. One of the key benefits is coverage for emergency medical expenses, ensuring that you are financially protected in the event of unforeseen medical emergencies while traveling. Additionally, Defence Health provides medical assistance in remote areas, giving you peace of mind when traveling to more off-the-beaten destinations.

Compared to other insurers, Defence Health’s travel insurance policies stand out for their comprehensive coverage and competitive prices. The insurance policies are designed to cater to the specific needs of travelers, taking into account potential risks and offering suitable protection. By choosing Defence Health Travel Insurance, you can be sure you are getting the best possible coverage at the best price.

Defence Health Travel Insurance provides comprehensive coverage for emergency medical expenses, medical assistance in remote areas, and protection for all types of travelers. When comparing travel insurance policies, Defence Health’s offerings are among the most comprehensive and competitively priced, making it the ideal choice for your upcoming travel plans. Make an informed decision and choose Defence Health Travel Insurance for peace of mind while traveling.

– Comprehensive medical cover

ADF families and the Defence community have access to comprehensive medical cover, including unlimited overseas medical and hospital expenses, cancellation and amendment fee coverage, and a maximum age limit of 120. This ensures that members of the ADF and their families have peace of mind knowing they are fully covered for any medical emergencies or expenses, domestically and internationally.

In addition, DVA Veteran Card holders are eligible for exclusive packages and discounts, further enhancing their access to medical care and support. Members of the Australian Defence Force and their families are provided with ambulance coverage, with no caps on usage or monetary limits. This ensures that members of the ADF and their families have access to essential emergency services without having to bear additional expenses.

With these comprehensive medical cover options, ADF families and the Defence community can rest assured that they can access the necessary medical care and support, regardless of location or circumstances.

– Coverage for pre-existing medical conditions

XYZ Insurance Company offers coverage options for pre-existing medical conditions, subject to certain limitations and restrictions. Policyholders must disclose any pre-existing conditions during the application process. Depending on the specific condition and severity, additional fees or assessments may be required.

Policyholders must disclose their medical history and provide any necessary documentation to obtain coverage for pre-existing conditions. The company may also impose stability clauses, requiring the condition to remain stable for a specified period before coverage is approved. However, the company also offers compassion clauses, which may provide coverage for pre-existing conditions that have been stable for a particular duration, even if they do not meet the standard stability requirements.

Overall, coverage options for pre-existing medical conditions are available from XYZ Insurance Company. Still, policyholders must carefully disclose their conditions and adhere to any applicable stability or compassion clauses.

– Assistance with emergency medical expenses

Travel insurance provides various types of assistance for emergency medical expenses, including coverage for medical evacuation and overseas medical expenses. Travel insurance can cover the costs associated with emergency medical treatment, hospitalization, and medical evacuation in a medical emergency while traveling to a more suitable medical facility. This coverage ensures that the insured traveler receives the necessary medical care, regardless of location.

Some travel insurance policies also include coverage for medical escorts, which means that a qualified medical professional can accompany the insured traveler if they require assistance during their journey back home. This additional support can provide travelers and their families peace of mind in a medical emergency abroad.

– Reimbursement for additional expenses incurred due to medical emergencies

If you have incurred additional expenses due to a medical emergency during your trip, you may seek reimbursement through your travel insurance coverage.

To begin the reimbursement process, gather the necessary documents, such as medical bills, medication receipts, and other related expenses. It is essential to ensure that all documentation is precise and detailed.

Next, contact your insurance company to inquire about the specific requirements for submitting a claim. This may include filling out a claim form, providing a detailed explanation of the medical emergency, and providing all relevant documentation. It is crucial to follow the instructions provided by the insurance company to avoid any delays in processing your claim.

Once you have all the necessary documents and information, submit your claim to the insurance company. Keep records of all communications and documentation for your records.

It is important to note that each insurance policy may have different requirements and procedures, so it is vital to carefully review your policy and follow the specific guidelines provided by your insurance company.

– Protection against trip cancellation or interruption

When planning a trip, unexpected events such as illness, severe weather, or other unforeseen circumstances can lead to the cancellation or interruption of travel plans. To safeguard against the potential financial loss associated with these disruptions, many travelers opt to purchase protection against trip cancellation or interruption. This coverage can reimburse non-refundable expenses such as airline tickets, hotel reservations, and tour packages in case of trip cancellation. Furthermore, it can also provide coverage for additional costs incurred due to trip interruption, such as last-minute transportation changes or accommodations. With protection against trip cancellation or interruption, travelers can have peace of mind knowing that they will be financially protected in unexpected travel disruptions.

Levels of Cover Offered by Defence Health Travel Insurance

Defence Health Travel Insurance offers three levels of coverage: Basic, Mid, and Top. Each level includes essential features such as overseas medical and hospital expenses, cancellation and amendment fees, luggage and personal effects, and personal liability cover. Customers can also add optional extras such as Cruise Cover, Cover for Pre-Existing Medical Conditions, Snow Cover, and Adventure Cover to tailor their policy to their specific travel needs.

For those looking to increase their item limits and adjust excess, Defence Health Travel Insurance allows them to customize their policy with higher item limits and lower excess for an additional premium. The Product Disclosure Statement explains the extent of coverage for COVID-19-related expenses, but comprehensive coverage for risks related to COVID-19 may be limited.

With Defence Health Travel Insurance, travelers can choose a level of cover and add-on options that best suit their travel plans, along with the ability to customize certain aspects of their policy to meet their requirements.

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Defence Health Insurance Review

Defence health offers health insurance to members of the australian defence community. with coverage options for basic and comprehensive medical needs, defence health might be the right fund for you..

In this guide

Who can join Defence Health?

Who is defence health, what health insurance options are available, young people discount, member offers, how to make a claim.

Health insurance guides

Types of health insurance

Hospital cover

Extras cover

Health insurance and tax

Health funds

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Defence Health is a restricted fund, with membership only open to current and former members of the Australian Defence Force and their families. It offers memberships to the following people:

• Anyone who has previously served in the ADF, regardless of whether they served part-time or full-time, as well as their partners and children
• Anyone who works in the Department of Defence or a related department
• Anyone who currently works or has previously worked for a Defence supplier
• Anyone who is the extended family member of anyone listed above. This includes parents, children, siblings, grandchildren, ex-spouses and partners
• ADF Partners and families
• Active reservists (anyone serving in the Army Reserve, Air Force Reserve or Naval Reserve), their partners and families.

Permanent ADF members are not required to take out cover for themselves but can cover their partners and children.

Defence Health is a not-for-profit health fund with over 65 years of experience in the insurance industry. Defence Health is a member-owned health fund that is designed to serve the needs of the Defence community. Rather than being run to benefit shareholders or a big corporation, Defence Health is run in the interests of its members. This means it can offer affordable and competitive cover to Australians with Defence connections – no matter what their health insurance needs are.

• Hospital only cover
• Extras only cover
• Package Options
• Ultimate Hospital Gold. This policy offers comprehensive cover for all that Medicare covers, including everything from joint reconstructions and heart services to pregnancy IVF and psychiatric services.
• Advantage Hospital Silver Plus. This policy only has 3 exclusions - weight loss surgery, pregnancy and birth, and assisted reproductive surgery - making it suitable for those who want top level cover without pregnancy and birth services.
• Core Hospital Silver Plus. Core Hospital Silver Plus is Defence Health's mid-range offering and includes the 26 clinical categories required for a Silver rating and covers for the cost of a range of procedures like brain and nervous system, ear, nose and throat, eye (not cataracts) and more.
• Everyday Hospital Bronze Plus. This policy includes the 18 clinical categories required for a Bronze rating, providing cover for the likes of breast surgery (medically necessary) diabetes management (excluding insulin pumps) and dental surgery.
• Essentials Hospital Basic Plus. This basic policy includes ambulance and accidents. If you want cover for a selection of basic hospital treatments or simply to avoid being hit with levies and loadings by the government, this policy is designed with you in mind.
• Premier Extras. This offers top-level extras protection for a range of general treatments including ambulance, preventative dental, general dental, major dental, orthodontics, optical, physio, chiropractic, antenatal and postnatal services, pharmacy and vaccinations, alternative therapies, exercise physiology, psychology, podiatry, speech therapy, occupational therapy, dietitian and more.
• Value Extras. This mid-range policy covers a similarly wide range of treatments but offers lower benefit limits than a Premier Extras policy. Features include comprehensive ambulance cover, no annual limit on general dental treatment, no-gap glasses deals and much more.
• Essential Extras. T his option is designed to offer wallet-friendly cover on the general treatments you're most likely to use. This includes cover for general and preventative dental, ambulance treatment, optical, physio, travel vaccinations and alternative therapies.

ADF packages are for ADF members, their partners and families only:

• Total Package Gold. The ADF Total package allows you to take advantage of a range of extras treatments with generous annual limits. It offers higher benefits on dental, speech therapy, physiotherapy, psychology, antenatal and postnatal services and more. As a result of national pricing, your premium stays the same no matter where you are posted.
• Essentials Package Basic Plus. The ADF Essentials Package is its entry level combined policy, which covers a limited range of hospital and extras treatments.

If you're over 21, single and not studying full-time, you're not covered by your family's health insurance. Defence Health has a Young Adult Support Plan which lets singles under 25 maintain health cover . All you need to do is take out your own Value Extras cover (or Premier Extras) and you can stay on your family's hospital cover.

• Dental & Optical Network. Available to all members with extras cover. Dental & Optical network gives members access to dental care at reduced fees, optical benefits and you can also receive no gap on preventive treatments.
• Health and Wellbeing Programs. Most members with combined hospital and extras cover have access to Defence Health's health and wellbeing benefits. This includes help to quit smoking and benefits paid for a range of health screening tests
• Ex-serving exclusives. Defence Health provides a number of exclusive offers to ex-serving members, providing guidance on managing your health and wellbeing after you transition.
• Young Adult Support Plan. Singles under 25 can maintain hospital and extras cover when they sign up to Value Extras cover.
• MyBaby Support Program. The MyBaby support program provides members with expert advice, tailored content and practical ante and postnatal support.
• Life after the ADF. If you're transitioning from the Australian Defence Force (ADF) to a civilian, Defence Health offers several health insurance options so you can continue to be covered. If your family already has a policy, they can simply add you on to it. If you're moving from the permanent ADF (SERCAT 6-7) to Reserves (SERCAT 3-5), you can stay on one of Defence Health's exclusive ADF packages or choose from their mix and match policies and still get special ADF premiums. You'll also get a 10% premium reduction on hospital or hospital and extras cover for the first 12 months following your discharge.

In many cases, extras claims can be lodged and paid on the spot using electronic claiming; all you have to do is swipe your Defence Health membership card. For all other claims, you will need to claim through Defence Health's mobile claiming app on your smartphone or tablet, online through the member area of the Defence Health website, or by completing a claim form and emailing, faxing or mailing it back to Defence Health.

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Gary Ross Hunter

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

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Compare Defence Health health insurance

How defence health rates for member complaints, gap cover and ambulance..

Fact-checked

Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE .

On this page:

Who is Defence Health?

Who can join defence health, does defence health get many complaints from members, how good is defence health's gap cover, how many hospital agreements does defence health have in each state, does defence health offer any discounts, does defence health offer ambulance cover, does defence health offer family policies that cover adult children, does defence health let you claim online or in-app.

Defence Health is a nonprofit restricted membership health fund for the Australian Defence Force and the wider defence community. It's part of Members Health, an alliance of nonprofit and mutual health funds.

Phone:  1800 335 425

Email: [email protected]

Website: defencehealth.com.au

Current or former members of the Australian Defence Force, reservists, civilian employees of Department of Defence (or related departments), employees of Defence contractors, and some family members of any of the above.

Defence Health has a Medium complaints rating.

When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints. The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.

A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).

Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.

Rating scale

• Well above average
• Above average
• Below average
• Well below average.

Defence Health gap cover rating by state

Australian capital territory, new south wales, northern territory.

Above average.

South Australia

Western australia.

The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated. 

The table below shows how many hospital agreements Defence Health has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.

Defence Health hospital agreements

In the australian capital territory this fund has....

5 private hospital agreements out of an industry maximum of 6.

8 day hospital agreements out of an industry maximum of 9.

In New South Wales this fund has...

91 private hospital agreements out of an industry maximum of 92.

91 day hospital agreements out of an industry maximum of 105.

In the Northern Territory this fund has...

1 private hospital agreement out of an industry maximum of 1.

2 day hospital agreements out of an industry maximum of 2.

In Queensland this fund has...

50 private hospital agreements out of an industry maximum of 58.

47 day hospital agreements out of an industry maximum of 54.

In South Australia this fund has...

20 private hospital agreements out of an industry maximum of 20.

25 day hospital agreements out of an industry maximum of 31.

In Tasmania this fund has...

2 private hospital agreements out of an industry maximum of 8.

6 day hospital agreements out of an industry maximum of 9.

In Victoria this fund has...

67 private hospital agreements out of an industry maximum of 71.

71 day hospital agreements out of an industry maximum of 80.

In Western Australia this fund has...

21 private hospital agreements out of an industry maximum of 23.

20 day hospital agreements out of an industry maximum of 29.

While Defence Health does not offer any discounts for prepaying your annual premium or paying by direct debit, there are youth discounts available on some hospital policies, and these are transferable (which means you can transfer a discount from another fund to one of these policies).

All Defence Health extras, hospital and combined policies have emergency ambulance cover.

Depending on where you live, you may not need a policy with ambulance cover. 

• Queensland and Tasmania:  Emergency ambulance services are covered by the state government. 
• New South Wales and the Australian Capital Territory:  All hospital policies come with emergency ambulance cover – so you'll be covered with any hospital or combined policy you select. 
• South Australia, Victoria and the Northern Territory: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover. 
• Rural Western Australia: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover. 
• Metropolitan Western Australia: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.
• Adult children are covered on family policies for free until they turn 21.
• Full-time students are covered on family policies for free until they turn 25.
• Adult children younger than 25 can be covered on extended family policies for an extra cost. 

You can claim online for general dental, some major dental, physiotherapy, chiropractic, osteopathy, podiatry, alternative therapies, psychology, dietitian, optical, occupational therapy and speech therapy. Members can also claim via an app (iOS and Android) for all extras.

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Defence Health Fund Review

Founded over 65 years ago, to support defence personnel and their families, Defence Health provides health and travel insurance to more than 300,000 members. This includes World War II veterans and people transitioning into civilian life.

I’d like health insurance cover for

by Compare Club Contributor

Defence Health is not-for-profit, so premiums are diverted back to the business to benefit members.

Defence Health is a restricted fund, and you'll need to have a connection to the Australian Defence Force to be eligible to join.

Eligible members can choose from five hospital plans, with a basic no-frills policy for the budget-conscious, through to a top tier extensive premium Gold plan.

Members also have access to health and wellbeing services, and the MyBaby program for new parents.

Special support for ex-ADF service personnel.

An Australian network of 1,400 dentists for members.

Members can benefit from health screenings with extra cover.

Defence Health isn't on our panel but we're confident we can get you a great deal on your health insurance.

Hospital cover

Nobody chooses to go to hospital.

But when you do, hospital cover will help you get the treatment you need, where and when you want it.

It also helps to pay the bills, as fees for hospital rooms and specialists can add up.

Think about what services you're likely to need, in line with your budget.

If you earn over $90,000 individually or $180,000 as a couple, you could avoid paying the Medicare Levy Surcharge .

Defence Health offers a choice of plans for members, from two budget covers, through to a Gold plan that covers almost everything.

There's also a Silver and Silver plus plan, with different benefits to suit your needs.

Essentials Hospital Basic Plus

Defence Health's budget cover covers accidents and common hospital procedures.

It's suitable for young, healthy singles and couples without children who want to avoid the Medicare Levy Surcharge.

Key inclusions:

100% ambulance cover

Hernia and appendix

Tonsils, adenoids, and grommets

Everyday Hospital Bronze Plus

An affordable and comprehensive plan that covers accidents and a wide range of hospital services.

Suitable for Australians who don't have specific health needs.

Digestive system

Ear, nose, and throat

Gynaecology

Core Hospital Silver Plus

A medium level of cover with a wider range of procedures, including necessary plastic and reconstructive surgery , chronic care programs, and more.

Medically necessary plastic and reconstructive surgery

Podiatric surgery

Heart and vascular system

Advantage Hospital Silver Plus

A higher level of cover with a broad range of procedures.

Pregnancy and birth services are not included, making this suitable for older Australians who want top-tier cover.

Insulin pumps

Dialysis for chronic kidney failure

Ultimate Hospital Gold

Fully comprehensive cover that includes up to 100% of doctors fees if the doctor chooses to use Defence Health's access no gap.

With midwifery and assisted reproductive services, this plan is suitable if you're starting or growing your family. This plan has a $500 excess.

Pregnancy and birth

Assisted reproductive services

Weight loss surgery

Ambulance Cover

All hospital plans include unlimited emergency ambulance trips to hospital, including air and sea services.

Extras cover

Defence Health’s extras reset on July 1 every year.  

From dental, to optical, to chiro and more, extras insurance helps cover the bills for routine treatments with rebates of up to 100%.

While we've summarised the key points of each plan below, it's always worth digging a little deeper into any gap fees , how much you can claim back, and whether your preferred healthcare provider, such as your local dentist, has an agreement with the health fund.

Take the time to work out what you need and what you're prepared to pay.

If this feels a bit overwhelming, our experts are here to help.

Defence Health has three extras plans to choose from. There's basic cover if you're on a budget, through to a comprehensive plan that covers just about everything.

Essentials Extras

This is a value extras package with set rebates that covers the basics, including general dental with an annual limit of up to $500 per person, plus physio, chiro, osteo and travel vaccinations.

Access to dental and optical network

General and preventative dental

Remedial massage, acupuncture and myotherapy

Value Extras

Mid-level cover that lets you claim 100% on selected optical through Defence Health's partner network (subject to annual limits).

Also includes psychology and antenatal services, as well as no lifetime limit on orthodontics.

Antenatal and postnatal classes

Speech therapy

Premier Extras

This is the highest and most extensive level of cover with up to 15% off the usual fees at network dentists. It includes a variety of premium extras such as occupational therapy and eye therapy.

It also includes unlimited preventative dental , and up to 100% back on a mouth guard fitting for dependent children each year.

Eye therapy

Laser eye surgery

Comprehensive hospital and extras cover

Adf essentials package basic plus.

This cover is available only for singles and couples and has a $250 excess. It covers both hospital and extras, including optical, dental surgery and more.

Gastrointestinal endoscopy

Joint reconstructions

ADF Total Package Gold

This is a comprehensive level cover designed for ADF personnel and their families. There is a $0, $250 or $500 excess option, with high annual limits for extras as well as an extensive range of procedures covered.

Waiting periods

To stop people signing up, claiming, then cancelling their health insurance, all insurers apply waiting periods.

Generally, the more expensive the treatment, the longer you'll wait.

But keep an eye out for special deals with waiting periods reduced or waived.

Hospital waiting periods

12 months for pre-existing conditions, pregnancy and birth

2 months for hospital psychiatric services, rehabilitation and palliative care as well as all other services covered

Cover for an accident is immediate, including ambulance

Extra waiting periods

12 months for major dental services, orthodontics, health appliances and laser eye surgery

2 months for all other services, including optical, home and domestic aids and medical aids

Member benefits

Members have access to a dental and optical network that is available to all members with extra cover. This means that members can take advantage of no-gap dentistry and glasses.

There’s also a MyBaby Support Program and a Young Adult Support Plan. These programs are structured on expert advice so that members can have all the information they need around pregnancy and teens. 

How to claim

Claim on the spot through the HICAPS payment system at your provider.

You can also claim online through the Online Member services, through the Defence Health mobile claiming app, or by email, mail or fax.

Hospital agreements

Defence Health has agreements with most hospital and day surgery providers across Australia.

When comparing policies, it's worth checking if your local hospitals and clinics are covered.

Our specialists at Compare Club can do this for you.

Customer service

Defence Health received 1.8% of complaints in 2021, and has a market share of 2.1%^.

1. Is Defence Health a not-for-profit fund?

Yes, Defence Health is a not-for-profit fund. 

2. Who can apply? Are there restrictions?

Defence Health is a restricted fund . That means there are limitations on who can apply.

Defence Health offers cover to:

Partners, children and extended families of Australian Defence Force personnel -- past and present

Anyone who works, or has worked for the Department of Defence or other Defence-related departments -- plus their extended families

Anyone who works, or has worked for a Defence supplier of goods or services.

Anyone who is in the extended family network of a serving or ex-member of the ADF or an ADF supporter.

3. Is it easy to switch to Defence Health?

Defence Health is not on Compare Club’s panel, but we’re confident we can find you a good deal from the other funds we compare.

4. Do I need to re-serve waiting periods?

If you switch to an equivalent or lower level of cover, you won’t have to serve new waiting periods. However, you may need to serve new waiting periods if your new policy includes additional services or higher benefits

5. Can I change my level of cover?

Yes, you can choose a lower or higher level of cover.

If you move to a higher level of cover, you will usually need to serve waiting periods on the extra services/higher benefits.

6. Do I get the government rebate?

For every dollar of private health insurance premiums , the Australian Government provides eligible Australians with a rebate of up to 33.4% (depending on your age and income). To learn what you’re entitled to, read our rebate guide .

7. Do I have to pay the Lifetime Health Cover loading?

If you’re 31 or over, you usually need to pay 2% loading for each year you’ve gone without hospital cover since the 1st July following your 31st birthday. You can find out more here.

8. Up to what age are children covered?

Defence Health covers dependent children on a family policy up to the age of 21.

If they’re studying full time, dependents can be covered as a student under a family policy up to the age of 25.

Children must not be married or living in a de facto relationship.

Read our guide  to learn more.

This guide is opinion only and should not be taken as medical or financial advice. Check with a financial professional before making any decisions.

^Private Health Ombudsman, Defence Health , accessed 13 January 2022.

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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 Best Travel Medical Insurance of 2024

Allianz Travel Insurance »

Seven Corners »

GeoBlue »

WorldTrips »

Why Trust Us

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

Table of Contents

• Allianz Travel Insurance
• Seven Corners

Buying travel insurance is a smart move for any type of trip, but you may not need a policy that covers everything under the sun. If you don't need coverage for trip cancellations or delays because you're relying on your travel credit card to offer these protections, for example, you may find you only need emergency medical coverage that works away from home.

Still, travel medical coverage varies widely based on included benefits, policy limits and more. If you're comparing travel insurance plans and hoping to find the best option for unexpected medical expenses, read on to learn which policies we recommend.

Frequently Asked Questions

The term travel insurance usually describes a comprehensive travel insurance policy that includes coverage for medical expenses as well as trip cancellations and interruptions, trip delays, lost baggage, and more. Meanwhile, travel medical insurance is coverage that focuses on paying for emergency medical expenses and other related care.

Travelers need international health insurance if they're visiting a place where their own health coverage will not apply. This typically includes all international trips away from home since U.S. health plans limit coverage to care required in the United States.

Note that if you don't have travel health insurance and you become sick or injured abroad, you'll be responsible for paying back any health care costs you incur.

Many travel insurance policies cover emergency medical expenses you incur during a covered trip. However, the included benefits of each policy can vary widely, and so can the policy limits that apply.

If you're looking for a travel insurance policy that offers sufficient protection for unexpected medical expenses, you'll typically want to choose a plan with at least $100,000 in coverage for emergency medical care and at least that much in protection for emergency medical evacuation and transportation.

However, higher limits can provide even more protection from overseas medical bills, which can become pricey depending on the type of care you need. As just one example, Allianz says the average cost of emergency medical evacuation can easily reach up to $200,000 or more depending on where you’re traveling.

Your U.S. health insurance policy almost never covers medical expenses incurred abroad. The same is true for most people on Medicare and especially Medicaid. If you want to ensure you have travel medical coverage that applies overseas, you should purchase a travel insurance plan with adequate limits for every trip. Read the U.S. News article on this topic for more information.

The cost of travel medical insurance can vary depending on the age of the travelers, the type of coverage purchased, the length of the trip and other factors. You can use a comparison site like TravelInsurance.com to explore different travel medical insurance plans and their cost.

• Allianz Travel Insurance: Best Overall
• Seven Corners: Best for Families
• GeoBlue: Best for Expats
• WorldTrips: Best Cost

Coverage for preexisting conditions is available as an add-on

Easy to purchase as needed for individual trips

Relatively low limits for medical expenses

No coverage for trip cancellations or trip interruption

• Up to $50,000 in emergency medical coverage
• Up to $250,000 in emergency medical evacuation coverage
• Up to $2,000 in coverage for baggage loss and damage
• Up to $600 in baggage delay insurance
• Up to $1,000 for travel delays
• Up to $10,000 in travel accident insurance
• 24-hour hotline assistance
• Concierge services

Purchase comprehensive medical coverage worth up to $5 million

Coverage for families with up to 10 people

Low coverage amounts for trip interruption

Medical coverage options vary by age

• Up to $5 million in comprehensive medical coverage
• Up to $500,000 in emergency evacuation coverage
• Up to $10,000 in coverage for incidental trips to home country
• Up to $25,000 in coverage for terrorist activity
• Up to $500 in accidental dental emergency coverage
• Up to $100 per occurrence in coverage for emergency eye exams
• $50,000 in coverage for local burial or cremation
• 24/7 travel assistance
• Up to $25,000 in coverage for accidental death and dismemberment per traveler
• Up to $500 for loss of checked baggage
• Up to $5,000 for trip interruptions
• Up to $100 per day for trip delays
• Up to $50,000 for personal liability

Qualify for international health insurance with no annual or lifetime caps

Use coverage within the U.S. with select providers

Deductible from $500 to $10,000 can apply

Doesn't come with any nonmedical travel insurance benefits

• Up to $250,000 in coverage for emergency medical evacuation
• Up to $25,000 for repatriation of mortal remains
• $50,000 in coverage for accidental death and dismemberment

High limits for medical insurance and emergency medical evacuation

Covers multiple trips over a period of up to 364 days

Deductible of $250 required for each covered trip

Copays required for medical care received in the U.S.

• Up to $1,000,000 of maximum coverage
• Up to $1,000,000 for emergency medical evacuation
• Up to $10,000 for trip interruptions
• Up to $1,000 for lost checked luggage
• Up to $100 per day for travel delays
• Up to $25,000 in personal liability coverage
• Medical coverage for eligible expenses related to COVID-19
• Ability to add coverage for your spouse and/or child(ren)
• Repatriation of remains coverage up to overall limit
• Up to $5,000 for local burial or cremation 
• $10,000 to $50,000 for common carrier accidental death

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

You might also be interested in:

9 Best Travel Insurance Companies of 2024

Holly Johnson

Find the best travel insurance for you with these U.S. News ratings, which factor in expert and consumer recommendations.

8 Cheapest Travel Insurance Companies Worth the Cost

U.S. News rates the cheapest travel insurance options, considering pricing data, expert recommendations and consumer reviews.

How to Get Airport Wheelchair Assistance (+ What to Tip)

Suzanne Mason and Rachael Hood

From planning to arrival, get helpful tips to make the journey easier.

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

These are the scenarios when travel insurance makes most sense.

• Travel Insurance
• Best Travel Insurance Companies

11 Best Travel Insurance Companies Of May 2024

Expert Reviewed

Updated: May 6, 2024, 12:22pm

We evaluated 39 policies and found that Travel Insured International, WorldTrips and Travel Safe are among the best travel insurance companies. We evaluated costs and a variety of coverage features to find the best options. See all our top picks.

Considering Travel Insurance?

Via Forbes Advisor's Website

• Best “Cancel For Any Reason” Travel Insurance
• Cheapest Travel Insurance Plans
• Best Cruise Insurance

The Best Travel Insurance Companies: Summary

Best for travel medical coverage, best for medical evacuation coverage, best for travel delays, best for baggage delays, what does travel insurance cover, what’s not covered by travel insurance, how much does travel insurance cost, what affects travel insurance costs, how to get travel insurance, do i need travel insurance, top travel destinations in may 2024, list of may 2024 top travel destinations, methodology, other travel insurance policies we rated, best travel insurance companies frequently asked questions (faqs), compare travel insurance quotes, compare & buy travel insurance, how we chose the best travel insurance.

We assessed cost, travel medical and evacuation limits, baggage and trip delay benefits, the availability of cancellation and interruption upgrades, and more. Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. You can read more about our editorial guidelines and the methodology  for the ratings below.

• 39 travel insurance policies evaluated
• 1,482 coverage details analyzed
• 102 years of insurance experience on the editorial team

Our Picks For The Best Travel Insurance Companies

Best for non-medical evacuation, travel insured international.

Top-scoring plan

Worldwide Trip Protector

Average price

Medical & evacuation limits per person

$100,000/$1 million

We recommend Travel Insured’s Worldwide Trip Protector policy because it offers robust benefits at the lowest average price among top-rated plans we analyzed. We also like its superior non-medical evacuation coverage.

• “Cancel for any reason” and “interruption for any reason” upgrades available.
• Top-notch non-medical evacuation benefits of $150,000 per person.
• Good travel delay and baggage delay benefits kick in after just a 3-hour delay.

More: Travel Insured International Travel Insurance Review

I have been working with Travel Insured for over 15 years, and have been using them almost exclusively. Typically, they have been quite responsive and pay their claims in a timely fashion. – Stephanie Goldberg-Glazer, chief experience officer of Live Well, Travel Often

• Medical coverage of $100,000 per person is on the low side compared to top competitors but might be enough for your needs.
• Missed connection benefits of $500 are low compared to top-rated competitors and for cruise and tours only.

Here’s a look at whether top coverage types are included in the Worldwide Trip Protector policy.

Also included:

• Pet kennel benefits of up to $500 are included if you return home three hours or more later than your planned return date.

Optional add-ons offered:

• Rental car damage and theft coverage of up to $50,000.
• Event ticket protection pays up to $1,000 if you can’t attend for a reason covered by the policy.
• Travel inconvenience coverage allows you to recoup money for unforeseen circumstances, such as closed beaches and attractions, rainy weather, tarmac delays and more.
• Bed rest benefits pay up to $4,000 if a doctor requires you to stay on bed rest for at least 48 hours during your trip.

GREAT FOR ADD-ON COVERAGE

Atlas Journey Premier

Average cost

$150,000/$1 million

We like the Atlas Journey Premier plan for its wide choice of add-ons. These add-ons provide extra coverage for pets traveling with you, adventure sports, destination weddings, hunting and fishing equipment and more. We also like that this plan has a low average cost compared to competitors.

• Very good travel delay benefits of $2,000 per person after only 5 hours.
• Very good missed connection coverage of $2,000 per person after 3 hours.

Another option is the Atlas Journey Preferred plan, but this policy doesn’t offer the “interruption for any reason” upgrade and has lower travel medical benefits of $100,000 per person. Still, it hits all the marks for great benefits at a low price. It also offers lots of choices for add-on coverage.

More: WorldTrips Travel Insurance Review

WorldTrips offers a streamlined process for purchasing insurance online and filing claims. A user-friendly interface and efficient claims handling contribute to a positive customer experience and increased satisfaction. – Joe Cronin , advisory board member

• Medical coverage limits of $150,000 aren’t as high compared to some top-rated competitors but you might find it’s sufficient.
• Baggage delay benefits have a 12-hour waiting period.

Here’s a look at whether top coverage types are included in the Atlas Journey Premier policy.

• Travel inconvenience benefits of $750 if your arrival home is delayed due to a transportation delay and you can’t work for at least two days, your flight lands at a different airport than scheduled, your passport is stolen and can’t be reissued, and more.
• “Cancel for any reason” and “interruption for any reason” coverage.
• Destination wedding coverage in case the wedding is canceled.
• Baggage insurance upgrade to $4,000 per person.
• Rental car theft and damage coverage of $50,000.
• Political or security evacuation benefits of $150,000 per person.
• Vacation rental accommodations coverage of $500 if unclean or overbooked.
• Adventure sports add-on to extend coverage to safaris, bungee jumping and more.
• Hunting and fishing coverage for equipment and cancellation due to government restrictions.
• School activities coverage if trip has to be canceled due a test, sporting event, etc.

BEST FOR MISSED CONNECTIONS

Classic Plus Plan

TravelSafe’s Classic Plus plan stood out in our analysis for its superior missed connection benefits of $2,500. We also like the Classic Plus plan’s top-notch medical evacuation coverage of $1 million.

• “Cancel for any reason” upgrade available.
• Superior baggage loss coverage limits of $2,500.
• Great travel delay limits of $2,000 per person after a 6-hour delay.

More: TravelSafe Travel Insurance Review

TravelSafe packs essential coverage into budget-friendly rates without skimping on key benefits, and its responsive claims handling preserves peace of mind. – Timon van Basten, tour guide and founder of Travel Spain 24

• $100,000 in medical benefits is on the low side compared to top competitors but might be sufficient for your needs.
• Baggage delay coverage is a little skimpy at $250 per person after a 12-hour delay.

Here’s a look at whether top coverage types are included in the Classic Plus policy.

• Itinerary change coverage of $250 per person if your travel supplier makes a change that forces you to lose non-refundable costs for missed activities.
• Reimburses $300 for fees if you have to redeposit frequent traveler awards for reasons covered by your trip cancellation insurance.
• Pet kennel coverage of $100 a day if your return home is delayed by 24 hours or more due to a reason covered in your policy.
• “Cancel for any reason” coverage of 75% of lost trip costs.
• Accidental death and dismemberment for flights, up to $500,000 per person.
• Rental car damage and theft up to $35,000.
• Business equipment and sports equipment coverage of $1,000 if lost, stolen or damaged.

BEST FOR POLICY PERKS

Cruise Luxury

Nationwide’s Cruise Luxury plan is one of our favorites because it has a treasure trove of benefits such as “interruption for any reason” and “cancel for work reasons” coverage. You can upgrade to “cancel for any reason” coverage. Some competitors offer none or one of those options. We also like its excellent missed connection benefit of $2,500 per person.

Note that you do not have to be going on a cruise to take advantage of this policy’s coverage.

• “Interruption for any reason” benefit of $1,000 per person is included.
• Includes $25,000 per person in non-medical evacuation benefits for problems such as a natural disaster or security or political problem.
• Good travel delay benefits of $1,000 per person.

More: Nationwide Travel Insurance Review

Count me in as a believer in Nationwide’s trusted track record in insurance. Their travel policies check all the boxes, especially for cruises. My only gripe is that some of their medical limits seem lower than other guys. But the rates are easy on the wallet. – Tim Schmidt, travel expert, entrepreneur, published travel author and founder of All World

• Medical coverage of $150,000 per person is lower than most other top-rated plans but might be sufficient for your needs.
• 24-hour delay required for hurricane and weather coverage, compared to some competitor policies with only a 12-hour delay requirement.

Here’s a look at whether top coverage types are included in the Cruise Luxury policy.

• Inconvenience benefit of $250 per person if your cruise ship’s arrival at the next port of call is delayed for two or more hours due to mechanical breakdown or fire.
• “Interruption for any reason” up to $1,000.
• Coverage for extension of the school year, terrorism in an itinerary city, work-related emergency issues.
• Coverage if the CDC issues a health warning at your destination.

Optional add-on offered:

• “Cancel for any reason” upgrade that provides 75% reimbursement of insured trip cost if you cancel two or more days prior to your departure for a reason not listed in the base policy.

BEST FOR CUSTOMIZATION

Travel Guard Deluxe

The Travel Guard Deluxe plan impressed us with its optional pet, wedding, security, baggage, medical, adventures sports and travel inconvenience upgrades. These add-ons allow you to customize the policy to your needs. We also like that the policy includes benefits if, under certain conditions, you must start your trip earlier than planned—a feature not found in all policies.

• Offers upgrades to meet the needs and budgets of many kinds of travelers.
• Includes $100,000 per person for security evacuation and superior medical evacuation coverage of $1 million per person.
• Provides up to $750 per person for “travel inconveniences” such as a flight delay to your return destination, runway delays and cruise diversions.
• Has good travel delay coverage of $1,000 per person, with a short waiting period of 5 hours.

More: AIG Travel Insurance Review

AIG’s TravelGuard offers an easy-to-use online platform for purchasing insurance and filing claims. A streamlined process minimizes hassle for customers, making it convenient to obtain coverage and receive reimbursement for eligible expenses. – Joe Cronin , advisory board member

• The Travel Guard Deluxe policy has robust coverage across the board but also a high average cost ($539) compared to other top-rated policies.
• Medical expense coverage of $100,000 per person is on the low side but might be adequate for your needs.

Here’s a look at whether top coverage types are included in the Travel Guard Deluxe policy.

• Travel inconvenience benefits of $750 total ($250 per problem) if you encounter issues such as closed attractions, cruise diversion, hotel infestation, hotel construction and more.
• Trip exchange benefits of 50% of your trip cost that pay the difference in price between your original reservation and the new one.
• Ancillary evacuation benefits up to $5,000 for expenses related to return of children, bedside visits, baggage return and more.
• Flight accidental death and dismemberment coverage of $100,000 per person.
• “Cancel for any reason” upgrade.
• Rental vehicle damage coverage.
• “Name Your Family” upgrade allows you to add a person to your policy who will qualify for family member-related unforeseen events that can apply to claims for trip cancellation and interruption.
• Adventure Sports Bundle for adventure and extreme activities.
• Pet Bundle for boarding and medical expenses for illness or injury of dog or cat while traveling. Includes trip cancellation or trip interruption if your pet is in critical condition or dies within seven days before your departure.
• Wedding Bundle to cover trip cancellation due to wedding cancellation. Sorry cold-feeters: Coverage does not apply if you are the bride or groom.

The Travel Guard Preferred plan also earned 4.3 stars in our analysis. We recommend this policy if you’re looking for a lower price and don’t need the higher coverage amounts provided by the Deluxe plan. The Preferred plan provides $50,000 for medical expenses and $500,000 for medical evacuation benefits per person.

GREAT FOR MEDICAL & EVACUATION COVERAGE

Seven corners.

Trip Protection Choice

$500,000/$1 million

We like Seven Corners’ Trip Protection Choice plan because it has superior travel medical expenses and evacuation benefits. It also provides great upgrade options and benefits across the board.

• “Cancel for any reason” and “interruption for any reason” upgrade available.
• Very good travel delay coverage of $2,000 per person.
• Includes $20,000 for non-medical evacuation

More: Seven Corners Travel Insurance Review

With over two decades of experience in the insurance industry, Seven Corners has built a reputation for reliability and customer service. Their track record of handling claims efficiently and providing support to customers in need adds to their credibility. Their Choice plan offers primary coverage, meaning they will pay all claims as if they are the primary insurer, so your claims will be processed faster. – Joe Cronin , advisory board member

• Hurricane and weather coverage has a 48-hour delay, compared to some competitors that require only 12-hour delays.
• Average cost ($527) is only so-so compared to other top-rated policies we evaluated.

Here’s a look at whether top coverage types are included in the Trip Protection Choice policy.

• Accidental death and dismemberment coverage of $40,000 per person for qualifying common carrier events
• Change fee compensation of $300 per person if you have to change your flight or original travel arrangements due to qualifying events.
• Pet kennel benefits of $500 if your return home is delayed by six hours or more due to qualifying missed connection, interruption or delay problems.
• Frequent traveler coverage of $500 to pay for the cost to redeposit awards due to a trip cancellation caused by a reason listed in your policy.
• “Cancel for any reason” coverage.
• “Interruption for any reason” coverage.
• Rental car damage coverage of $35,000.
• Sports & golf equipment rental coverage up to $5,000.
• Event ticket fee registration coverage of $15,000 if you can’t attend an event due to unforeseen reasons listed in trip cancellation and interruption coverage.

BEST FOR BAGGAGE

Axa assistance usa.

Platinum Plan

$250,000/$1 million

AXA’s Platinum plan is among our favorites because it hits all the high points for coverage that you’ll want if you’re looking for top-notch protection, including excellent baggage benefits of $3,000 per person. Excellent medical and non-medical evacuation benefits are another reason we like the Platinum plan.

• Generous medical and evacuation limits, plus $100,000 per person in non-medical evacuation—among the highest for plans we analyzed.
• Coverage for lost ski days, lost golf rounds and sports equipment rental.

More: AXA Assistance USA Travel Insurance Review

AXA Assistance USA impresses with its strong global reach and access to an extensive network of medical providers. This is particularly valuable in travel insurance, where emergencies can occur in any part of the world. Their attention to detail in crafting policies that include benefits for trip cancellations and interruptions adds a layer of security that reaffirms their strengths in protecting travelers against a wide array of potential issues. – John Crist, founder of Prestizia Insurance

• Travel delay and baggage coverage kicks in only after a 12-hour delay.
• The average cost for the Platinum plan is only so-so compared to other top-rated plans, although you do get robust coverage for the money.

Here’s a look at whether top coverage types are included in the Platinum policy.

• “Cancel for any reason” coverage
• Rental car damage coverage of $50,000.
• Lost ski days
• Lost golf rounds

GREAT FOR PRE-EXISTING MEDICAL CONDITION COVERAGE

Generali global assistance.

Generali’s Premium policy stood out in our analysis for its generous window for pre-existing condition coverage. Travelers with pre-existing conditions can get coverage as long as you buy a Premium policy up to or within 24 hours of your final trip deposit. Competitors often have a deadline of 10 to 20 days after making your first trip deposit .

We also like the policy’s excellent trip interruption insurance and superior medical evacuation benefits of $1 million per person.

• Excellent trip interruption coverage of up to 175% of your trip costs.
• Very good baggage loss coverage at $2,000 per person.

More: Generali Global Assistance Travel Insurance Review

Generali Global Assistance excels in providing user-friendly services and efficient claims processing, which enhances customer experience significantly. Their policies are particularly valuable due to the inclusion of concierge services, which can be a lifesaver during unforeseen travel disruptions. – Pradeep Guragain, co-founder of Magical Nepal

• If you want “cancel for any reason” coverage you must buy it within 24 hours of making your initial trip deposit, compared to 10 to 20 days from top competitors.
• This plan’s “cancel for any reason” coverage will reimburse you for only 60% of lost trip costs; most competitors provide 75%.
• Baggage delay benefits kick in only after a 12-hour delay.

Here’s a look at whether top coverage types are included in the Premium policy.

• Rental car coverage for theft and damage of $25,000.
• Sporting equipment coverage of $2,000.
• Sporting equipment delay coverage of $500.
• “Cancel for any reason” upgrade that reimburses you 60% of your insured trip cost if you cancel at least 48 hours prior to your scheduled departure.

BEST FOR FAMILIES

Travelex insurance services.

Travel Select

$50,000/$500,000

We recommend Travelex’s Travel Select plan for families because it provides coverage for children at no extra cost (when accompanied by an adult covered by the policy). Its average price is also among the lowest among the companies we evaluated, making it an option to take a look at

• Very good travel delay coverage of $2,000 per person after a 5-hour delay.

More: Travelex Travel Insurance Review

Travelex is a go-to for many of our clients due to its straightforward coverage options and ease of use. The company excels in offering plans that are simple to understand, which is great for first-time buyers of travel insurance. However, their basic plans might lack the depth of coverage seen with more premium offerings. – Jim Campbell, independent travel agent and founder of Honeymoons.com

• Medical coverage of $50,000 per person is on the low side, but you can buy an upgrade to double it.
• Baggage delay coverage requires a 12-hour delay and has a low $200 per person limit.
• Missed connection benefits of $750 per person are lower than many other competitors.

Here’s a look at whether top coverage types are included in the Travel Select policy.

• Sporting and golf equipment delay benefits of $200 after 24 hours or more.

Optional add-ons & upgrades offered:

• Medical coverage upgrade to $100,000 per person.
• Medical evacuation upgrade to $1 million per person.
• “Cancel for any reason” coverage of 75% (up to max of $7,500).
• Accidental death and dismemberment coverage of $200,000 per person for flights.
• Financial default coverage if your travel supplier goes out of business that provides 100% reimbursement of your insured trip cost.
• Car rental collision coverage of $35,000.
• Adventure sports upgrade to cover activities that would otherwise be excluded.

BEST FOR TRIP INTERRUPTION

Hth worldwide.

TripProtector Preferred Plan

We were impressed by TripProtector Preferred’s superior trip interruption benefits—200% of the trip cost. Most competitors provide 150%. Luxury-level benefits are another reason we recommend the TripProtector Preferred plan.

• Top-notch coverage limits for medical expenses and evacuation.
• Coverage for adventure sports—such as zip-lining, snowmobiling, whitewater rafting, and more—are included.
• Very good travel delay coverage of $2,000 per person after a 6-hour delay.

More: HTH Worldwide Travel Insurance Review

My experience with HTH Worldwide Travel Insurance has been positive. While their policies may come at a slightly higher cost, the peace of mind and level of coverage they offer make it worth considering for travelers seeking comprehensive protection. HTH Worldwide stands out for its extensive coverage of medical emergencies, which is essential for international travel. Their policies are flexible, allowing travelers to customize coverage based on their specific requirements, and their worldwide assistance services ensure travelers have access to support wherever they are in the world. – Kevin Mercier, travel expert and founder of Kevmrc.com

• Higher average price ($602) compared to most companies we evaluated, but you’re buying robust benefits.
• Baggage delay coverage requires a 12-hour delay.

Here’s a look at whether top coverage types are included in the TripProtector Preferred policy.

• Pet medical expense coverage of $250 if your dog or cat traveling with you gets injured or sick during your trip.
• Rental car coverage of $35,000 for damage and theft.
• “Cancel for any reason” upgrade available that provides 75% reimbursement of trip costs if you cancel at least two days prior to your scheduled departure.

GREAT FOR CRUISE ITINERARY CHANGE/INCONVENIENCE

Cruise Choice

$100,000/$500,000

The Cruise Choice plan gets our attention for its compensation if you miss activities because your cruise ship changes its itinerary and for the inconvenience of delays to the next port of call. The Cruise Choice plan’s competitive price is another reason we recommend taking a look.

• Includes ”interruption for any reason” coverage of $500 if you buy policy within 14 days of trip deposit.
• Includes $25,000 per person in non-medical evacuation benefits.
• Provides benefits if your cruise ship has a fire or mechanical breakdown that delays arrival at the next port of call for two or more hours.

Nationwide stands out primarily for its versatility in coverage options catering to diverse travel needs—a vital advantage often overlooked by travelers until they face a mishap. They have built a robust system for handling claims efficiently, which I find crucial for travel insurance, where timely support can dramatically impact the customer experience. – John Crist, founder of Prestizia Insurance

• Medical coverage of $100,000 per person is lower than most other top-rated plans but might be sufficient for your needs.
• 24-hour delay required for hurricane and weather coverage, compared to many competitors with shorter required times.
• “Cancel for any reason” coverage not available.

Here’s a look at whether top coverage types are included in the Cruise Choice policy.

• Shipboard service disruption of $200 per person if your cruise ship has a fire or mechanical breakdown that delays the next port of call for 2 or more hours or changes the scheduled itinerary.
• Coverage for an extended school year, terrorism in an itinerary city and work-related emergency issues.

These policies offer the highest level of medical coverage among the plans that we judged to be the best.

These policies offer the highest level of emergency medical coverage among the plans in our top picks.

These policies offer the highest maximum coverage limits for travel delays among the plans that we judged to be the best.

Nationwide’s Cruise Luxury policy offers the highest maximum coverage for delayed baggage among the plans that were our top picks.

Comprehensive travel insurance policies package together a number of valuable benefits. You can also buy policies that cover only trip cancellation or only medical expenses. With the wide variety of travel insurance plans available, you can find coverage levels that will fit your budget and trip needs.

Problems not covered by travel insurance tend to be similar among policies. We recommend that you read a policy’s exclusions so you’re not caught by surprise later if you try to make a claim. Typical exclusions include:

• Injuries from high-risk activities such as scuba diving.
• Problems that happen because you were drunk or using drugs.
• Medical tourism such as going abroad for a face lift or other elective procedure.
• Lost or stolen cash.

The average cost of travel insurance is 6% of your trip cost , based on our analysis. The cost of travel insurance is usually mainly based on the age of travelers and the trip cost being insured.

Unlike many other types of insurance, there are usually only a few factors that go into travel insurance pricing.

You can buy travel insurance from a travel agent, website or a travel supplier like an airline or cruise company. We’ve bought travel insurance online and it’s relatively easy. In our experience you can purchase a policy online within a few minutes.

• Begin shopping for a policy right after you make your first trip deposit. It’s wise to buy travel insurance right after you make your first trip deposit. That way you get the maximum length of time for cancellation coverage. Plus, you’ll qualify for time-sensitive benefits, such as CFAR and pre-existing medical condition exclusion waivers .
• Start by estimating your non-refundable trip cost. If you’re unsure of your trip cost, estimate the amount and then update it later with the travel insurance company, as long as it’s before your departure date.
• Get quotes online or through a travel insurance agent. To get a quote, you typically need the travelers’ ages (or dates of birth), destination, travel dates, and the trip cost being insured.
• Assess policy options and prices. You’ll usually be presented with a selection of policies at different price points, with the more expensive ones usually providing higher coverage levels. Look at the coverage limits for each line item so you know what you’re buying. Once you select a policy, you can buy it online.
• Review the policy. You usually have two weeks or so to further review the policy. If you change your mind, you can get a refund, as long as it’s during the specified review period.

Here are some reasons you may need travel insurance.

You’re Traveling Overseas and Your Health Plan Doesn’t Have Global Coverage

Many health plans lack robust global coverage, or impose high out-of-network deductibles for care outside the U.S. We suggest that you check your health plan details to see what it provides outside the U.S. Travel medical insurance fills the gap.

You’re Going to a Remote Area or Out to Sea

If you won’t be near any quality medical facilities, even a small injury could turn into a major medical event. Medical evacuation coverage will pay to medevac you to an adequate facility.

You’re Traveling to a Hurricane-Prone Destination

If you’re concerned about hurricanes or other severe weather affecting your travel plans, you’ll want to make sure to buy a travel insurance policy that has trip interruption and trip cancellation insurance for hurricanes and other weather events.

If your trip is interrupted or canceled due to severe weather, you can file a claim and be reimbursed 100% for prepaid, non-refundable deposits.

To be eligible to file a travel insurance claim because of a storm, you must have bought your policy before the storm was named. Also, generally one of the following requirements must be met:

• Your destination is under a hurricane warning.
• Your destination is uninhabitable due to severe weather.
• Your (common carrier) airline is delayed for a specified amount of time listed in your policy—for example, six hours.

You Want Emergency Backup

The 24/7 travel assistance lines that are included with travel insurance can assist you with finding a pharmacy, language translation, replacing a lost passport and much more.

You Will Lose a Lot of Money in Non-Refundable Deposits if You Cancel the Trip

You want trip cancellation coverage you’re worried about the money you will lose if you have to cancel the trip.

Trip cancellation will cover 100% of the prepaid money you’ll lose, as long as you cancel for a reason listed in the policy. Problems typically covered for trip cancellation insurance claims include sickness, injury, severe weather, natural disasters, jury duty and more.

Ask an expert

How to Choose the Best Travel Insurance Policy

Shayla Northcutt

Forbes Advisor board member

Michelle Megna

Insurance Lead Editor

Insurance Managing Editor

Les Masterson

Insurance Editor

Ashlee Valentine

Assess Your Needs, Read Reviews

Choosing the right travel insurance policy is like packing an essential item for your trip—you never know when you might need it. I recommend considering not only your travel plans, but also who you are traveling with and their circumstances as well as personal health requirements. That way you can find a policy that offers peace of mind, covering everything from lost luggage to unexpected medical emergencies. It’s also crucial to look into each insurer’s customer service reputation and the ease of their claims process, because if something does happen, you’ll want support that’s both reliable and accessible.

Purchase a Policy When You Book Your Trip

I strongly recommend buying travel insurance as soon as you book your trip. That way you get the maximum length of coverage for trip cancellation benefits. I don’t think many people realize that buying a policy shortly after you make your first deposit also makes you eligible to buy upgrades, such as “cancel for any reason” coverage, and to get other time-sensitive benefits, such as a pre-existing medical condition exclusion waiver.

Buy Travel Medical Insurance for International Trips

If you’re traveling outside of the U.S., I would make sure you buy a policy with ample travel medical and emergency medical evacuation insurance. It’s important because you may have little to no coverage under your U.S. health plan. Look for a policy where the medical insurance is primary, meaning the policy will pay out first, before any other health insurance you have.

Review Travel Delay and Missed Connection Benefits

If you’re flying to your destination, your itinerary could be derailed by weather, airplane mechanical issues or missed connections. If you’re  worried about paying extra money due to a delay or missed connections, I recommend that you look for a policy that has a generous amount of travel delay and missed connection insurance.

Determine If You Need Adventure Activities Coverage

If you plan to participate in extreme sports or adventure excursions, I suggest buying a plan that specifically covers these activities, as they’re often excluded. A travel insurance agent can help you pinpoint a policy that will cover your particular adventures.

Decide How Much Flexibility You Want

I like the idea of “cancel for any reason” travel insurance because you never know what life will bring, and unfortunately it might bring a reason to cancel a trip that’s not covered by the base policy. Having CFAR coverage ensures you can get partial reimbursement for any oddball problems that crop up.

Americans are ready to take trips abroad in May: 86% of travel insurance purchases for trips taking place May 1-31, 2024, are for international trips, based on our analysis of policy sales.

Italy is the top international destination for trips this month, followed by Great Britain and France. In addition:

• The average trip cost being insured for people traveling outside the U.S. in May is $6,339.
• The average trip cost being insured for folks traveling within the U.S. this month is $7,111.
• Americans traveling internationally are paying an average of $405 for their travel insurance policies for May trips and domestic travelers are paying an average of $228.

Average Trip Cost for Popular Destinations

Here’s how average trip costs for five popular destinations are trending over the next three months. Numbers reflect the average of non-refundable trip costs being insured.

• Italy. After a near-record high in April, spending on trips is dipping in May and June, but a significant spike is trending for July trips.
• France. Average trip costs are climbing in May and June, then dropping back down in July.
• Great Britain. Spending on trips is increasing in May and June, with a major uptick in July.
• Japan. Average costs for trips in May are on the rise, but falling in June and July.
• Mexico. Travelers are spending more on trips in May compared to April, but less in June and July.

Forbes Advisor researched and analyzed 39 policies to find the best travel insurance. When companies had more than one travel insurance policy we used the highest-scoring plan. Ratings are based on the following metrics.

Cost (25% of score): We analyzed the average cost for each travel insurance policy for trips to popular destinations:

• Couple, age 30 for a Mexico trip costing $3,000.
• Couple, age 40, for an Italy trip costing $6,000.
• Family of four for an Italy trip costing $15,000.
• Family of four for a France trip costing $15,000.
• Family of four for a U.K. trip costing $15,000.
• Couple, age 65, for an Italy trip costing $6,000.
• Couple, age 70, for a Mexico trip costing $3,000.

Missed connection coverage (10% of score): Travel insurance policies were awarded more points if they include missed connection benefits of $1,000 per person or more.

Medical expenses (10% of score): Travel insurance policies with travel medical expense benefits of $250,000 and up per person were given the highest points.

Medical evacuation (10% of score): Travel insurance policies with medical evacuation expense benefits of $500,000 and up per person were given the highest points.

“Cancel for any reason” upgrade (10%): Travel insurance policies received points if “cancel for any reason” upgrades are offered. More points were awarded for “cancel for any reason” upgrades with reimbursement levels of 75%.

Baggage delay required waiting time (5%): Policies with baggage delay benefits kicking in at 12 hours or less were given points.

Cancel for work reasons (5%): Travel insurance plans that allow cancellations for work reasons were awarded points.

Hurricane and weather (5%): Policies received points if the required waiting period for hurricane and weather coverage was 12 hours or less.

“Interruption for any reason” upgrade (5%): Policies were awarded points if they offered an “interruption for any reason” upgrade.

Pre-existing medical condition exclusion waiver (5%): Points were given to policies that cover pre-existing medical conditions (if purchased within a required timeframe after the first trip deposit).

Travel delay required waiting time (5%): Policies with travel delay benefits kicking in after six hours or less were given points.

Trip interruption travel insurance (5%): Points were given if trip interruption reimbursement is 150% or higher.

Read more: How Forbes Advisor rates travel insurance companies

While these policies were not among our winners, they may still be good options based on your travel needs. Many of these plans have lower coverage limits, which may be suitable depending on your trip.

What is travel insurance?

Travel insurance is a type of policy that reimburses you for money you lose from non-refundable deposits and payments when something goes wrong on your trip. These problems can range from lost baggage to flight delays to medical problems.

The more you’re spending on your trip, the more you likely need travel insurance. This is especially true for international trips and cruises, where travel problems become more expensive to solve.

What do I need for travel insurance?

The information you need to buy travel insurance includes the trip cost being insured, your age, your destination, length of trip and age. Buying travel insurance online is relatively easy. You don’t have to answer a lot of questions, and you can update your trip cost and itinerary later if plans change, as long as you do so before your departure.

Is there travel insurance for multiple trips?

While standard travel insurance plans are meant to cover one-time trips, frequent travelers should consider an annual travel insurance plan. These plans cover the same issues as a single-trip plan, such as trip cancellation and emergency medical situations. But they also offer the convenience of a one-time purchase for multiple trips.

What type of travel insurance do I need for my parents visiting me in the U.S.?

Travel insurance for parents visiting the U.S. is generally a travel medical insurance policy that helps pay medical costs if they get sick or injured during their visit. There are two main types of visitors medical insurance:

• Limited policies that have fixed benefits: These generally set a cap for what they’ll pay for each medical treatment that’s covered. You may need to pay a deductible for each medical illness or injury and then the policy will pay 100% after that, up to the cap. For example, coverage for an X-ray might be capped at $250.
• Comprehensive visitors insurance policies: These typically cost more but have more robust coverage and don’t put a cap on specific medical problems.

Next Up In Travel Insurance

• Best “Cancel For Any Reason” Travel Insurance Of May 2024
• Best Cruise Insurance Plans Of May 2024
• Best Covid-19 Travel Insurance Plans Of 2024
• Best Senior Travel Insurance Of 2024
• The 5 Cheapest Travel Insurance Companies Of May 2024
• Travel Insurance for Parents Visiting the U.S.

Get Forbes Advisor’s ratings of the best insurance companies and helpful information on how to find the best travel, auto, home, health, life, pet, and small business coverage for your needs.

Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine editor covering consumer technology, a foreign correspondent for Time and various newswires and local newspaper reporter.

Shayla Northcutt is the CEO and founder of Northcutt Travel Agency and a leading world travel expert. Her main expertise includes destination weddings, honeymoons, large group travel, family travel, world travel and travel insurance. Northcutt appears regularly on KHOU 11 and ABC 13 Eyewitness News, among other media outlets, providing guidance on travel insurance for consumers. Her first-hand knowledge of destinations and resorts makes her a leading travel professional. Northcutt is married to an amazing husband and is a mom to two boys, Cayman and Crockett. She found a passion in travel and exploration of all the things the world had to offer. Feeling such a strong connection to the travel industry, she decided to open Northcutt Travel Agency in 2017. Northcutt has visited different parts of Europe numerous times, and has visited over 350 resorts in Mexico and the Caribbean leading to detailed first-hand knowledge of the resorts. She has also sailed on multiple cruise lines, giving her experience with the cruise world as well. The other places Northcutt has visited, and now helps people plan, include Disney, Hawaii, Fiji, Australia, Thailand and all major cruise lines.

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Travel insurance: worth the cost

You know what they say: if you can’t afford travel insurance, you can’t afford to travel. That’s because leaving home without travel insurance could cost you much more than you imagine.

You don’t have to be engaging in ‘risky’ activities or adventures for things to turn pear-shaped. Accidents and medical emergencies can happen to anyone – and usually when you least expect them. The cost to you personally when they happen overseas can quickly sky-rocket.

Travel insurance can cover a range of potentially costly and inconvenient events while you’re travelling. Lost or stolen luggage, cancelled flights and lost deposits can all add up to thousands of dollars – the cost of which can be covered by travel insurance.

Every policy is different in the value and conditions of cover – so it is important to read the ‘fine print’ in the Product Disclosure Statement. But the most important feature to look for in any travel insurance policy is ‘unlimited cover’ for emergency assistance, medical and hospital expenses while overseas. 

You want a memorable holiday for the right reasons. Wherever you’re planning to travel, comprehensive travel insurance gives you the peace of mind to keep the good times rolling.

Defence Service Homes Insurance is proud to announce we have partnered with Defence Health to provide travel insurance. Defence Health offers comprehensive travel insurance tailored to the needs of veterans, Australian Defence Force members and their families.

For more information, visit our travel insurance page or contact the Defence Health Travel team on 1800 622 499. 

Disclaimer: The travel insurance mentioned is arranged by Defence Health Ltd ABN 80 008 629 481 AFSL 313890. This insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708. Terms, conditions, limits and exclusions apply. Defence Health, Allianz and/or Allianz Global Assistance do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Where advice is provided by Defence Health Ltd, it is provided on behalf of Defence Health Ltd and not on behalf of the insurer Allianz or its agent Allianz Global Assistance. Allianz and/or Allianz Global Assistance are not responsible for any such advice. Before making a decision please consider the Product Disclosure Statement. If you purchase a policy, Defence Health will receive a commission which is a percentage of your premium. You can ask for more details before purchasing a travel insurance product.  

​ ​ You can now make payments online

We’ve added some new self-service functions to make it easier for you (or the policyholder) to update your policy in the Member Portal: 

• Make an immediate online payment to your membership. Click the ‘Make a payment’ tile on the home page. 
• Update the account that we pay your claims benefits into. Click the ‘Edit payment details’ tile on the home page, scroll down to select the member and then select ‘View and edit’ and choose 'Claims account' from the list. 
• Change your payment method or the frequency of your premium payments. Click the ‘Edit payment details’ tile on the home page, scroll down to select the member and then select ‘View and edit’ and choose ‘Premium payment’ from the list. 
• Order a new membership card from the member menu at the top of the portal.

Thank you for your patience while we’ve finalised these additional features. We’ll let you know as soon as the next batch of tools are available in the Member Portal. 

Visit the Latest update page to stay up to date with any changes.

Types of cover ​ ​

Hospital cover

Competitively priced hospital cover to meet your needs and stage of life.

Extras cover

Benefits for a wide range of allied health treatment to help keep you well. 

Combined hospital and extras cover

Peace of mind with mix and match cover to suit your needs and budget.

Travel insurance

Going travelling?

Already a member? ​ ​

Member Portal

Log in to your secure member portal to manage your membership.

Why choose us? ​ ​

We're here to support the families of veterans and those who currently defend our country ​ ​

Special recognition for serving families, transitioning ADF and veterans ​ ​

Great value health cover with outstanding service ​ ​

Not-for-profit means we're for family - not shareholders ​ ​

The lived experience of Defence is our DNA ​ ​

​ Testimonials ​

Whenever I have contacted Defence Health, the staff have always been extremely professional. They are friendly, courteous and knowledgeable about the product. I have recommended them to family and friends and encouraged them to join if they are eligible. Ross

Defence Health has been extremely supportive of me since my trouble in December 2021. I was very healthy when I joined but then everything went wrong with my health and you were there for me without any trouble.  Thank you for your help. Frances

Over the years, my wife and I have had experience with a number of health insurers, and we're happy to say that Defence Health has been the standout. Reliable, good coverage for as fair a price as is possible. Neville

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Best travel insurance plans for 2024: a unique and comprehensive list for travelers from international citizens insurance.

Including the Best Plans for Seniors, Global Nomads, Visitors to the USA, Pets, Adventure Sports Addicts and More

BOSTON, MA / ACCESSWIRE / May 2, 2024 / International Citizens Insurance, a leading international insurance broker, has announced the best travel insurance plans for 2024 summer travel. As the cost of airfare and hotels continues to rise along with the increase in flight delays and cruise cancellations, this list could not have come at a better time for travelers looking to protect their travel plans and their finances.

"This summer's travel season promises a high level of demand, increasing costs, and a strong potential for travel disruptions due to political unrest, weather, and other factors," said Joe Cronin, President of International Citizens Insurance. "Our clients want travel insurance they can trust to help them if they suffer a cancellation, a medical emergency, lost luggage, a natural disaster, or have to change plans due to unforeseen events. With this list, they will be able to find the best overall travel insurers as well as the right plans for their individual needs."

International Citizens Insurance judged each company and plan on six key criteria: the user-friendliness of their site, the ease of policy purchase, the number of countries plans are offered in, how extensive the benefits are, the ease of making a claim and the quality of the company's customer service. The most trusted insurers include WorldTrips , who made history as one of the first insurers to offer plans for purchase over the internet; GeoBlue Travel Insurance , which supports seniors with coverage for people up to 84 years old; and Trawick International, which offers coverage for over 500 adventure sports activities.

To help customers find the best insurance for their specific needs, International Citizens Insurance has also identified the best insurance for several use cases, including Cancel for Any Reason (CFAR) insurance, travel medical plans, and insurance with coverage for pets. International Citizens Insurance has also identified the best plans for clients with special needs, including seniors, missionaries and volunteers, U.S. citizens abroad, and digital nomads.

In today's unpredictable world, travel insurance has become the most essential accessory for any international traveler. Travelers want trip cancellation insurance to protect their trip and travel medical insurance plans to protect their health. But with so many companies out there, which ones can you trust?

Learn more about the best travel insurance companies at https://www.internationalinsurance.com/travel-insurance/best-companies.php .

About International Citizens Insurance

International Citizens Insurance is the insurance division of International Citizens Group. We provide educational content, reviews, and unique comparison engines that enable travelers and expatriates to research, quote, compare, and purchase global life, travel, and international health insurance from various carriers.

Contact Information

Joe Cronin President [email protected] 617-500-6738

Andrew Blomberg Vice President, Global Group Benefits [email protected] (339) 221-5190

SOURCE: International Citizens Insurance

View the original press release on newswire.com.

HTH Worldwide Travel Insurance Review 2024

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The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

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.

No one likes to think about what could go wrong on vacation, but the truth is that anything can happen. That's why travel insurance is so important — it can help you recover from any unexpected emergencies that may occur while you're away from home.

If you're looking for a reputable travel insurance company, HTH Worldwide Travel Insurance is a great option. It's been in business for over 20 years and offers three different travel insurance plans. Whether you need basic coverage or more comprehensive protection, HTH Worldwide likely has a plan that will suit your needs.

Introduction to HTH Worldwide Travel Insurance

HTH Worldwide is a travel insurance company owned and operated by Worldwide Insurance Services, which also operates GeoBlue Travel Insurance . In fact, many of the policies listed on HTH Worldwide's website are actually provided by GeoBlue, specifically its travel medical insurance . While we'll talk about those policies here, you can find more details in our GeoBlue review . 

HTH Worldwide's stand-alone products are its TripProtector trip cancellation policies. These offer comprehensive protection with relatively low premiums compared to many of its competitors. In fact, HTH Worldwide is among the companies included in our picks for the best cheap travel insurance . 

That said, with the premiums you're paying, you'll encounter some concessions. For one, HTH Worldwide's coverage limits are far below that of many of the best travel insurance companies, particularly when it comes to trip cancellation limits, which start at $5,000 per person for its Economy plan. 

Types of Policies Offered by HTH Worldwide

HTH Worldwide offers three primary plans: TripProtector Economy, Classic, and Preferred. Each plan has different coverage levels and features, so you can choose the one that best fits your needs. But they'll all cover (up to a specified amount) things like trip cancellation and interruption, emergency medical expenses, lost or delayed luggage, and more.

One important note, though, is that the TripProtector Economy plan is not available for trips where the per-person cost is greater than $5,000.

Below you'll find the per-person coverage limits of HTH Worldwide's three travel insurance plans:

These policies also include 24-hour emergency hotline service, an online database to search for doctors while you're traveling, a medical term translation database, and health and security news alerts.

Additional Coverage Options from HTH Worldwide

In addition to the three primary plans, HTH Worldwide also offers the following two plans, through GeoBlue, for travelers only looking for travel medical coverage:

• Single-trip option for travelers with primary health insurance:  HTH Worldwide provides a short-term international medical plan for those who have other travel insurance but need travel medical coverage. It covers pre-existing conditions and medical evacuation costs, with maximum benefit amounts ranging from $50,000 to $1 million and deductibles from $0 to $500.
• Single-trip option for travelers without primary health insurance:  This plan for travelers who don't have primary health insurance has maximum benefit amounts ranging from $50,000 to $1 million and deductibles ranging from $0 to $500. It covers pre-existing conditions for medical evacuation.
• Multi-trip option:  This annual travel insurance plan is for people who are taking multiple sub-70-day trips within a 12-month period.

The following two plans listed on HTH Worldwide's website, also supplied by GeoBlue, are designed for people who live or work outside their home country:

• Xplorer plan: This plan is for individuals and families who intend to be outside their home country for more than three months per year.
• Navigator plan: This plan is specifically for students, faculty, mission, and maritime crews who will be outside of their home country for more than three months during the year.

Like other travel insurance providers, HTH Worldwide offers additional coverages that can be purchased along with the primary policy. These add-ons are only available for a Preferred plan, not an Economy or Classic plan.

The add-ons include:

• Cancel for any reason (CFAR): Will pay 75% of any prepaid trip expenses. You must purchase coverage within 21 days of your first trip deposit, and the trip must be canceled at least two days before your scheduled departure. This add-on is only available for TripProtector Preferred.
• Collision Damage Waiver (CDW):  Coverage for your rental car in the event of damage due to crash, theft, vandalism, windstorm, fire, hail, flood, or any cause beyond your control. (Not available in NY, OR, or TX.)

HTH Worldwide Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The  average cost of travel insurance  is 4% to 8% of your travel costs.

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 HTH Worldwide 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 HTH Worldwide coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following

travel insurance quotes:

• TripProtector Economy: $93.16
• TripProtector Classic: $115.56
• TripProtector Preferred: $156.20

Premiums for HTH Worldwide plans are between 3.1% and 5.2% of the trip's cost, well within the average cost of travel insurance.

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

• TripProtector Economy: $121.41
• TripProtector Classic: $149.43
• TripProtector Preferred: $200.75

Once again, premiums for HTH Worldwide plans are between 3% and 5% of the trip's cost, within and below the expected range of travel insurance costs.

A Texas family consisting of two 40-year-old parents with a 10-year-old and 4-year-old on a two-week trip to Australia for $20,000:

• TripProtector Economy: $610.74
• TripProtector Classic: $743.15
• TripProtector Preferred: $995.04

HTH Worldwide plans cost between 3% and 5% of the trip's cost, below and within the average cost of 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 quotes:

• TripProtector Economy: $324.95
• TripProtector Classic: $389.12
• TripProtector Preferred: $474.12

Premiums for HTH Worldwide plans for older-age travelers are between 5.4% and 7.9%, which is well within the average cost for travel insurance. While it's certainly more expensive than coverage for younger travelers, it's on the lower end of what travel insurance companies often quote for older travelers. 

How to Purchase and Manage a HTH Worldwide Policy

It's fast and simple to get a quote from HTH Worldwide. Visit its website and provide basic information about your trip. You'll receive an immediate quotation for the insurance plans available for your journey, so it's simple to compare each one. Make sure you have all of the following information on hand:

• Primary destination
• Age of traveler(s)
• Total trip cost
• Travel dates
• State of residence

If you're buying a trip cancellation policy, you'll be directed to the HTH Worldwide quote page, where you can choose one of three plans. If you're within the specified purchasing window, you'll also be able to add cancel for any reason coverage to the Preferred plan. 

Note: Customers have a 10-day free-look period, in which they can cancel the policy and receive a full refund. The free-look period will also end if you depart on your trip within that 10-day-period.

How to File a Claim with HTH Worldwide

For medical claims, you can contact HTH Worldwide by phone at 888-243-2358 or via email at [email protected]. For all other claims, you can call 866-655-3058.

You must notify HTH Worldwide of your claim within seven days of first experiencing the covered loss. You'll also need to provide proof of loss within 90 days after the loss. The company doesn't provide an expected window for response or payment in its terms, but said that a claim usually takes anywhere from 30-45 days to process in response to a review on SquareMouth.

You can find HTH Worldwide's claim forms here .

HTH Worldwide Customer Service and Support Experience

HTH Worldwide has relatively few customer reviews to speak of. It has an average of 4.24 stars out of five across just under 500 reviews on its SquareMouth page, which comprises the vast majority of online reviews. HTH Worldwide customer reviews were very complimentary about the purchasing experience, saying it was quick.

That said, customers also mentioned that HTH Worldwide is hard to reach for anything — purchasing, traveling, and claims. This can be especially concerning if you're trying to contact the 24/7 hotline while facing an emergency. That said, when customers were able to make contact, they had generally positive things to say about the experience.

One customer getting treated for a medical emergency was given a list of recommended hospitals in their area and HTH Worldwide's connection with GeoBlue meant that some hospitals were able to direct bill instead of the customer paying and getting reimbursed. This created some hoops the customer had to jump through, including obtaining a letter from HTH Worldwide. That said, the customer writes, "The whole thing took less than 30 minutes. With that letter in tow, I was able to be seen, treated and released without payment on my part."

Compare HTH Worldwide Travel Insurance

Learn more about HTH Worldwide compares to some of the best travel insurance providers .

HTH Worldwide Travel Insurance vs. Allianz Travel Insurance

If you look at coverage with Allianz Travel Insurance , you'll see that you can select from 10 different insurance plans. Much like HTH Worldwide, Allianz Travel Insurance offers single-trip policies and options for those who plan to be outside the country for longer. And, like with all insurance, the different plans provide varying degrees of coverage.

Allianz Travel Insurance's most popular single-trip option is the OneTrip Prime plan, which offers:

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Emergency medical coverage for $50,000
• Coverage for baggage loss, theft or damage up to $1,000
• Travel delay coverage up to $800

Compare that to HTH Worldwide's most popular TripProtector Preferred Plan and you'll see that HTH Worldwide's emergency medical coverage limit is substantially higher. But Allianz Travel Insurance's plan has better trip protection coverage limits. The right choice will depend on what coverages are most important to you and your personal situation.

Read our Allianz Travel Insurance review here.

HTH Worldwide Travel Insurance vs. Nationwide Travel Insurance

Amongst insurance providers, Nationwide Travel Insurance is one of the more familiar household names. Much like HTH Worldwide, Nationwide offers straightforward coverage with only two single-trip plans: the Essential Plan and the Prime Plan. Furthermore, Nationwide has designed policies specifically for those taking cruises or who travel frequently throughout the year.

To compare Nationwide and HTH Worldwide, we took a look at both companies' highest-tier plans.

Nationwide's Prime Plan includes coverage for trip cancellation up to $30,000, trip interruption coverage of 200% of the cost of the trip (with a maximum payout of $60,000), missed connection and itinerary change coverage each amounting to $500, per-day trip delay coverage of up to $250 for 6+ hour delays, and emergency medical evacuation with a limit of $1 million in payouts.

In comparison, HTH Worldwide's TripProtector Preferred plan offers trip cancellation coverage up to $50,000, trip interruption coverage 200% of the cost of the trip, coverage for a missed connection of up to $1,000, trip delay coverage up to $2,000, and emergency medical evacuation coverage of up to $1 million.

The two plans are quite similar in many regards. To determine which is best for you, you'll need to compare quotes based on your personal and trip-specific details.

Read our Nationwide Travel Insurance review here.

Compare HTH Worldwide vs. Credit Card Insurance

It's worthwhile to review the insurance coverage offered by your travel credit cards before you buy a separate travel insurance policy. Some essential coverages, like rental car insurance, might already be included with a card you have.

The coverage from your credit card may be enough if, for example, you don't have any non-refundable trip expenses and you're driving to your destination. Another scenario that could suffice is if your health insurance covers you while abroad, you're in decent health, and you aren't too concerned with potential medical costs while traveling.

It's essential to remember that credit card travel protection is usually secondary to the primary coverage you'd get with a travel insurance policy. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.

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

HTH Worldwide Travel Insurance FAQs

How does hth worldwide handle medical emergencies during travel.

HTH Worldwide is known for its strong focus on medical coverage, providing comprehensive support during medical emergencies, including access to a wide network of hospitals and emergency medical assistance.

Can I purchase HTH Worldwide insurance for travel to high-risk destinations?

Yes, HTH Worldwide offers plans that cover travel to high-risk destinations, but it's important to review the specific terms and coverage limitations for such areas.

Are pre-existing conditions covered by HTH Worldwide travel insurance?

Pre-existing conditions are covered under HTH Worldwide's Classic and Preferred plans as long as you purchase your policy within 14 and 21 days of your initial trip deposit, respectively. HTH Worldwide TripProtector Economy does not cover pre-existing conditions. 

Is HTH Worldwide travel insurance suitable for long-term international travel?

HTH Worldwidepolicies max out at 90 days. If your trip exceeds this time frame, it's best to look elsewhere for travel insurance. 

What sets HTH Worldwide apart from other travel insurance providers?

HTH Worldwide stands out for its comprehensive coverage at affordable prices. 

Why You Should Trust Us: How We Reviewed HTH Worldwide Travel Insurance

In reviewing HTH Worldwide's travel insurance offerings, we considered things like different types of coverage available, claim limits, what expenses are included, available add-ons, and typical policy costs. We then compared them to similar plans from other top travel insurance companies.

The best policy for you is the one that offers the appropriate amount and type of coverage given your needs and budget. It should also be easy to use in case you ever need to make a claim.

You can read more about how Business Insider rates insurance products here.

If you enjoyed this story, be sure to follow Business Insider on Microsoft Start.

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You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

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Faye Travel Insurance Review: Is It Worth the Cost?

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 .

Travel insurance can be a worthwhile investment, especially if you’re worried about unexpected costs during your trip. There are a ton of different travel insurance companies out there, so finding one that suits your needs can be a struggle. That’s why we’ve done the work for you.

Let’s take a look at travel insurance provider Faye to see what type of plans the company offers, the coverage levels you can expect and whether Faye travel insurance is right for you.

About Faye travel insurance

Faye is the brand name for customizable travel protection plans offered by a company called Zenner Inc. Its website notes that it specializes in quick reimbursements, which can be a big draw for travelers. Policies issued by Faye are underwritten by the United States Fire Insurance Company.

» Learn more: How to pick between travel insurance providers

Faye insurance plans

Unlike many other travel insurance companies , Faye offers only one plan.

To find out what types of coverage Faye travel insurance plans include, we generated a quote for a 44-year-old woman from Arizona who was traveling to Italy for two weeks. Her total trip cost came in at $2,000.

Here’s what Faye provides:

This plan costs 7.03% of the overall trip cost, which is typical according to NerdWallet's analysis .

The plan is comprehensive and includes coverage you don’t typically see, such as reimbursement for lost credit cards and a payment for being inconvenienced.

Faye also offers a number of customizations; there are different add-ons from which to choose, all of which vary in price. More on your options in the next section.

» Learn more: How travel insurance for domestic vacations works

Plan add-ons

If you'd like to customize your Faye travel insurance plan to meet your needs more specifically, you can add on extra coverage for more money.

» Learn more: How does travel insurance work?

What isn’t covered by Faye

Even if you purchase a very comprehensive travel insurance policy, there are still situations where you’re not covered.

These include:

Bad weather, including hurricanes, if the policy was purchased after the storm was named.

Intentionally self-inflicted injuries or suicide.

Expenses incurred while under the influence of drugs or alcohol. 

High-risk sports for which you are paid. 

Psychological disorders, unless you’re hospitalized. 

War and acts of war. 

Illegal acts. 

Piloting or learning to pilot or acting as crew of an aircraft. 

To find the full list of exclusions for your specific policy, be sure to review your plan’s benefits schedule.

» Learn more: What to know before buying travel insurance

How to choose a Faye plan online

Purchasing a Faye travel insurance plan online is simple. You’ll first want to head to the company’s website to generate a quote.

You’ll need to input information like your age, where you live, where you’re going and how long you’re going to be away. Once you’ve got that all entered in, you’ll be taken to the results page.

Here, you’ll be able to see what plan options you have available, as well as what add-ons there are to pick.

After you’ve selected the coverage you’d like, you’ll need to go through the online checkout process.

» Learn more: Is travel insurance worth it?

Which Faye plan is best for me?

Although Faye has just one base plan available for purchase, it has plenty of different add-ons from which to choose. Faye sorts its bundles and add-ons according to the trip you’re taking, so you may see your bundled offer vary from time to time.

For tentative plans . Choosing to add on a Cancel For Any Reason (CFAR) policy can provide peace of mind if your travel plans aren’t solid. With the ability to get up to 75% of your money back, you’ll just want to make sure you’re canceling at least 48 hours in advance. 

For pet owners . Not many travel insurance companies include coverage for your pets , especially not when it comes to vet bills. With a low overall cost, this add-on can make a huge difference if you end up delayed on your return. 

For those wanting to customize everything . Faye’s base plan allows customers to create tons of different customizations according to their travel needs. Even though it’s costly, it makes up for it with wholly comprehensive coverage. 

Faye’s travel insurance offerings may suit your needs, but before purchasing a plan, take a look in your wallet. Many different travel credit cards offer complimentary travel insurance , which can include benefits such as trip cancellation reimbursement, rental car insurance and more.

on Chase's website

on American Express' website

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

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

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

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

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

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

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

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

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

Terms apply.

Insurance Benefit: Trip Delay Insurance

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

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

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

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

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 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.