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How to Find the Best Travel Insurance

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Table of Contents

What travel insurance covers

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

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

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

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

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

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

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

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

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

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

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

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

Travel insurance costs vary depending on:

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

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

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

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

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

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

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

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

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

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

Travel medical insurance

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

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

International travel insurance

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

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

Trip cancellation, interruption and delay

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

Your own illness.

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

Natural disasters.

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

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

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

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

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

Baggage and personal belongings

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

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

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

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

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

24-hour assistance

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

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

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

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

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

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

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

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

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

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

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

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

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

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

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

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

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

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

» Learn more: 10 credit cards that provide travel insurance

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

on Chase's website

on American Express' website

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

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

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

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

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

• Travel accident: Up to $500,000.

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

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

• Travel accident: Up to $1 million.

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

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

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

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

Terms apply.

Pros: Coverage is free.

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

Travel agents and travel reservation sites

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

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

Cons: You can’t customize the coverage.

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

Travel insurance comparison sites

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

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

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

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

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

» Learn more: The best travel insurance companies right now

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

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

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

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

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

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

Squaremouth

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

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

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

TravelInsurance.com

Compare plans from 13 providers.

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

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

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

InsureMyTrip

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

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

Includes a link to plans that offer COVID coverage.

Compare plans from 11 providers.

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

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

Compare different insurance plans from 35 providers.

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

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

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

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

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

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

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

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

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

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

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

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

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

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

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

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

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

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

trip cancellation benefits

to get your nonrefundable deposit back.

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

Chase Sapphire Reserve®

The Platinum Card® from American Express

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

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

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

Keep reading

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

What is travel insurance?

How much is travel insurance?

Is travel insurance worth it?

What does travel insurance cover?

Does travel insurance cover COVID?

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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

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

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

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

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

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

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Travel Insurance

What to know, why purchase travel insurance for your kayaking trip, if you purchase travel insurance, you are purchasing peace of mind., travel insurance are affordable and cover not just the cost of our tours and also all of your transportation fees., while we try our hardest to operate our tours, occasionally we run into weather related cancellations., travel insurance covers you in case you can't attend our tour for medical reason or delayed flight., ready to purchase travel insurance, purchase travel insurance for peace of mind on your kayak vacation.

Because unforeseen “what ifs” occur in life, travel insurance is an essential element we always recommend to guests when planning their trips. Travel insurance offers peace of mind. Although travelers may never have thought of their vacation as an investment, that’s what it is. For most people, a vacation is their third largest purchase (behind their home and car). Most of us can’t afford to lose the non-refundable portions of a trip if something unexpected happens – and emergencies occur: kids get sick, elderly need attention, an accident… not to mention such common issues as missed flight connections, lost baggage and travel delays.

We have some specific examples of how this insurance can help you when participating on a kayak tour. Should you arrive late for your rendezvous and miss departing with the group in the kayaks, often it is impossible or prohibitively expensive to catch up and you could miss the entire adventure portion of your vacation. More rarely, one of our tours could get cancelled for reasons beyond our control, or be delayed in returning due to bad weather. And in the worst case scenario, if you got injured in a remote location and required medical evacuation, you will be protected from this enormous cost by purchasing travel insurance.

Please click here to purchase a plan from an insurer that we have used frequently. They seem to offer similar policies to other companies, but we suggest you comparison shop for best results. Be sure they provide coverage if a new pandemic quarantine or travel restrictions are imposed. This is different from the more common coverage provided for travelers who become ill before a trip.

When calculating your trip cost, be sure to include all transportation expenses (such as airfare, shuttle buses, ferries, etc.), lodging expenses (the portion not included in your Sea Quest vacation package), and various tour costs (your kayak tour plus any other additional tour activities you have planned as part of your vacation). Travel insurance can cost as little as 4% to 10% of your total trip costs depending on your age and your dependents under 21 may be included free!

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, kayaking travel insurance.

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

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

Kayaking travel insurance

If you’re going away to do a bit of kayaking, you probably won’t want to spend too much time thinking about travel insurance . With InsureandGo, you can get covered in a matter of minutes, so you can spend more time planning your perfect kayaking holiday.

What is covered with kayaking travel insurance?

With an insurance policy from InsureandGo, you’re covered for  over 50 sports and activities , including kayaking, as standard (as well as  bungee jumping ,  scuba diving , jet skiing, and so much more).

You’re also covered for a range of other benefits, including:

• Holiday cancellation cover
• Belongings and baggage cover
• Medical and hospital expenses cover
• Passport, money and documents cover
• Delayed departure cover
• Accommodation cover

If you want to try kayaking on your holiday, you’ll be covered by our policies. However, please note that you will not be covered if this is the main purpose of your trip.

Will my kayaking equipment be insured?

While kayaking is automatically covered under all our policies, sports equipment can be expensive, so if you’re travelling with yours it’s important that it’s fully insured.  All our policies include cover for valuables, including sports equipment, so make sure you choose the right level of cover for your needs. If your kayaking equipment is particularly expensive, you can even add extended valuables cover to your policy, which covers up to £1,000 per item – see our  policy wordings  for more details.

What  isn’t  covered with kayaking travel insurance?

If you’re particularly adventurous and fancy taking to the open waters and kayaking in the ocean, then we offer additional  adventure sports travel insurance  at a small premium which covers sea kayaking, shark cage diving, and more than 50 other extreme sports or activities.

For more information about what’s covered with our kayak travel insurance policies, have a read of our  policy documents  or visit our  FAQs page  for any questions you may have.

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

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Kayak is one of the premier online travel agencies that has an amazing metasearch engine to find travel deals for air travel, package travel, hotels and rental cars.

Saving money on flights with a comparison site like Kayak is something many of us do. At checkout, you’ll be offered travel insurance to cover your trip. But is it worth it?

Before selecting it, our suggestion is to shop around, like you did with your flights, to find the best trip insurance plan for your needs at the lowest possible price.

Our Sample Package With Flight and Hotel Together

Let’s look at a sample trip. This is a flight from JFK to London on February 12 – February 17 for two travelers from New Jersey aged 60 and 62.

Since we want a flight plus hotel for our trip, we need to look at package deals. This takes us to edreams.com (a Spanish travel booking agent) to select a hotel that will include flights. We selected the Park Grand London Kensington at $856 per traveler for the hotel and flight.

No insurance is offered through edreams except for cancel for any reason which they call C4AR.

This Cancel For Any Reason insurance is $39.07 per traveler for each flight segment, so with a round trip flight with one stop each way (4 segments total), we’re looking at $156.28.

The specifics of the policy are below:

Edreams will refund 80% of your hotel and flight cost if you cancel 72 hours prior to departure. Also, if the booking includes a roundtrip flight, even though you are charged for each segment as stated above, the CFAR option can only be used before departure of the first flight. In other words, though you are charged for each segment to include the CFAR option, it is only available for the FIRST segment departure.

Maximum refund is 5,000 Euros (approx. $5,367 USD at current rates) per traveler to a maximum of $45,000 euros ($48,303 USD at current rates) per trip. Anything beyond these amounts will not be covered by the CFAR policy.

Total cost for our package trip is $1,810.85:

Before deciding whether we should include the CFAR option, let’s see what’s available in the open marketplace for travel insurance and why it is a much better option overall.

TripInsure101 – The Travel Insurance Marketplace

TripInsure101 is a travel insurance marketplace, we can quote your trip with leading US travel insurance providers and display them in an easy to compare format.

Inputting our trip details into TripInsure101’s quote system, we are shown 27 options for travel insurance. Since we are traveling to the UK, TripInsure101 recommends carrying a minimum of $100,000 of medical coverage and $250,000 of medical evacuation coverage as well as a waiver for pre-existing medical conditions if needed.

The least expensive policy that provides adequate coverage is the IMG Travel SE for $135.36.

The policy provides $250,000 of medical coverage and $500,000 of medical evacuation coverage as well as coverage for any pre-existing medical condition if the policy is purchased within 20 days of the initial trip payment or deposit date.

Should we want maximum cancellation flexibility in case we decide we simply don’t want to go, we’ll need to look at a different policy – a Cancel For Any Reason (CFAR) policy.

Cancel For Any Reason (CFAR) Policies

As mentioned above, a Cancel For Any Reason (CFAR) policy will provide maximum cancellation flexibility. If we cancel for a listed reason in the policy, such as illness or injury preventing us from traveling, we’ll receive a 100% refund of our trip costs. However, if we cancel for any other non-listed reason, we’ll receive either 50% or 75% of our trip cost back, depending on the policy chosen.

The least expensive CFAR policy for our package trip is the Travel Insured Worldwide Trip Protector (CFAR 75%) for $213.12.

The policy provides $100,000 of medical coverage and $1 million of medical evacuation coverage and will also provide a waiver to cover any pre-existing medical conditions if the policy is purchased within 21 days of the initial trip payment or deposit.

Should we cancel for a listed reason in the policy, such as illness or injury preventing us from traveling, we’ll receive a 100% refund of our trip costs. If we cancel for any other non-listed reason, we’ll receive 75% of our trip cost refunded. We would need to cancel up to 48 prior to travel (instead of the 72 that edreams requires) and can receive up to 75% of the total trip cost and not just a maximum of 5,000 Euros per traveler as with edreams.

While more expensive than the IMG policy, if we need more flexibility to cancel, the Travel Insured policy would be a good choice.

What if we don’t want to book a package but just a flight through Kayak. What options, if any, would we have for flight insurance in this instance? Let’s see…

Our Sample Flight Only Trip

For our sample flight-only trip, we chose the same trip from JFK to London, Heathrow on February 12 – February 17 for two travelers aged 60 and 62 but this time we’re only looking a flights and not a package deal.

We chose a Delta roundtrip flight and with taxes and fees, the total cost came to $1,119.50.

At checkout, we’re asked if we’d like to insure our flight for $43.38 per traveler for a total of $86.76.

The policy is the Global Traveler Protector II by Allianz, a well-respected travel insurer. The policy provides $50,000 of medical coverage and $50,000 of medical evacuation coverage.

Does this policy provide enough coverage for our UK trip? Not really. Since we’re traveling outside the US, TripInsure101 recommends having a minimum of $100,000 of medical coverage and $250,000 of medical evacuation coverage.

Unless we have US healthcare that fully covers us worldwide, (most do not), the AIG policy only provides $50,000 of medical coverage - half of what we would need at a minimum.

Medical evacuation can be even costlier. If we need to be flown home due to a severe medical emergency, the cost can be upwards of $25,000 per flight hour. With the AIG policy we’d be covered for only 2 hours of flight time and the remaining costs would come out of our own pocket. Not a pretty thought!

Can we find something better in the open marketplace through TripInsure101 ? Let’s find out.

TripInsure101 – Insurance In The Open Marketplace

If we run input our trip details in TripInsure101’s quoting system, we have 27 plan options to choose from. The least expensive plan with the minimum recommended coverage is the Trawick Voyager for $101.76.

The policy provides $250,000 of medical coverage and $1 million of medical evacuation coverage. So, for $15 more than the Kayak flight insurance provided by Allianz, we can have 5x the medical coverage and 20x the medical evacuation coverage. Also, should we need to, we can cover any prepaid, non-refundable trip costs in addition to the airfare, while the Kayak policy will ONLY cover airfare.

The least expensive CFAR policy on our quote from TripInsure101 with a 75% refund is the Trawick Voyager (CFAR 75%) for $172.98.

The policy has the same benefits as the standard Trawick Voyager policy we looked at previously but adds the cancel for any reason benefit if we purchase the policy within 21 days of our initial trip payment or deposit. Though more expensive than the standard Voyager plan, if we need maximum cancellation flexibility then this policy would be a great option.

Before you book your flight on Kayak and buy their trip insurance, shop around and find the right travel policy for your needs.

And if you want to save even more money on your flights, try the  TripInsure101 Flight Hack . We have a whole article on this great travel tip, but in essence the advice is to never buy a refundable ticket again. Buy a non-refundable ticket and a cancel for any reason travel insurance policy to save you hundreds of dollars.

To get the best value for your money, visit TripInsure101 first to shop around before committing to the first travel insurance policy you find. Please stop by and chat ,  send an email , or give us a call at 650-492-6298.

Safe travels!

This article has been written for review purposes only and does not suggest sponsorship or endorsement of AARDY by the trademark owner.

Recent AARDY Travel Insurance Customer Reviews

Abigail Boayue

Fast and easy experience

Great experience. Janet is a knowledgeable agent. She was able to answer my questions. Janet is very polite.

Helen Allen

For a phenomenal terrific travel agent ask for catrina..

I had many, many questions and Catrina answered them with a LOT of patience and was very clear in her explanation. I had a lot of issues I asked her to address and she did a phenomenal job. I thought I had picked the best policy for my specific needs but due to certain facts and information she made another suggestion. I didn't feel pressured, but felt she was honest and making suggestions to were in my best interest. We were on the phone for over 52 minutes and that didn't include the time I had spend earlier this week with another one of your agents.

Theresa Jennings

Great experience i was able to get the information i….

I was able to get the information I needed and answers to questions I had regarding obtaining travel insurance. Each representative that I spoke with was courteous and professional

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Travel Insurance: The Basics

What is travel insurance? And why do I need it?

October 19th, 2020

Travel insurance 101 & frequently asked questions.

No one wants to think about missing their vacation, but ensuring that you have appropriate travel insurance coverage can really decrease the stress and financial pain of the unexpected! Travel insurance comes in many different shapes and sizes, and it will take some work on your behalf to read through the fine print and find the right policy for you and your unique circumstances. Below are some of the basic factors you’ll want to consider.

What is Travel Insurance? Travel insurance typically refers to three types of coverage that you can buy individually or all together in what is often called comprehensive insurance.

• Trip Cancellation: covers cancellation of your trip before you start on your journey
• Trip Interruption: covers delays and interruptions once you have started on your journey (e.g. flight/weather delays; missed connections; and sometimes may cover things like lost baggage, car rentals, etc.)
• Medical Coverage: covers any issues regarding your health and sometimes the health of your travel partner/medical issues with family members
• Cancel for Any Reason Coverage:  as the name implies allows you to cancel for more reasons than traditional cancellation coverage (e.g. your dog is sick, you are called to work, travel restrictions are in place and you can’t travel or don’t feel comfortable traveling)

When Should I Buy Travel Insurance? The simple answer is: as soon as you pay for any portion of your trip and before you need it. When you place a deposit with Spirit of the West Adventures or purchase your flights the clock starts ticking in the eyes of insurance companies. Every plan has different requirements but in order to maximize coverage and be eligible for cancellation insurance, you typically need to purchase insurance between 72 hours – 21 days after you pay for any portion of your tour.

Why Would I Need Travel Insurance? Travel insurance can help with costs arising from unforeseen circumstances that affect your travel like ash clouds from volcanoes grounding flights, travel advisories because of a safety risk for visitors, unexpected medical issues, etc. No one ever plans on breaking their leg, not being able to vacation because of a virus outbreak, or having their travel partner have to back out of the trip because of a family emergency.

Spirit of the West Adventures does try to be human with our Terms and Conditions when it comes to cancellations, but we also know that you most likely have other non-refundable travel arrangements to think about as well.

What Is ‘Cancel for Any Reason’ Insurance? As the name would imply, this new type of insurance can cover expenses associated with canceling your travels at your discretion, including for reasons that are not typically covered by traditional travel insurance. This could mean insurance coverage if you decide you are uncomfortable traveling, need to care for a sick pet, change jobs, etc.

Cancel for Any Reason Insurance is often more expensive than traditional travel insurance and covers a lower amount (usually up to 75% of the cost of your trip), but if you want the ultimate in control in deciding to travel or not, this coverage may be for you.

What About Coverage for COVID – 19 Related Issues? COVID – 19 is now considered a known risk in the insurance world, so it very important to check that your policy and provider are in fact covering COVID – 19 related issues. Cancel for Any Reason insurance policies could be used in this case, but please check your policy!

More information about COVID – 19 impacts in Canada can be found on Canada’s government website.

Don’t I Have Coverage Through My Credit Card? Credit cards often have some level of interruption insurance, but this is usually a very limited amount and only the interruption-type of coverage, not trip cancellation or medical coverage. Some cards offer more comprehensive coverage but read through the details and determine what your credit card insurance includes and if this only covers the primary cardholder or travel companions as well. Many also don’t cover COVID – 19 related issues, read the fine print!

Doesn’t Canada Have Free Medical Care? You will never be refused medical care in Canada regardless of if you can pay or not, but health care is not free for people who are not citizens or Permanent Residents of Canada. Emergency services like helicopter evacuations, hospitalization, and diagnostics can add up quickly.

Where Can I Purchase Travel Insurance? There are many companies offering coverage, but the following companies and policies are recommended by Spirit of the West Adventures after our thorough research.

*it is always up to you to ensure that you qualify and have an adequate and appropriate policy and coverage.

CFAR Policies for Canadians

• Manulife – Premium Protection Plan (must be purchased within 72 hours of paying for any portion of your trip)

CFAR Policies for those from the USA

• Purchase the following policies through a very helpful broker called Aardy.com
• Crum and Forster – Worldwide Trip Protector Plus (75% CFAR)
• Trawick International – Voyager (75% CFAR)
• Seven Corners – Round Trip Choice Elite

The Moral of the Story The moral of the story is: it is better safe than sorry and be sure to read the fine print of your policy. It can be heartbreaking to miss the vacation that you have been planning for months or years and to lose your travel and adventure funds for something unexpected and or out of your control.

Disclaimer: Spirit of the West is not an insurance expert or insurance provider. The information here is only meant to be helpful.

TRAVEL INSURANCE IN A WORLD WITH COVID-19

Travel Insurance has never been more important or helpful than in a world with COVID-19. Purchasing appropriate and adequate travel insurance will protect your travel investment and decrease stress if you are not able to travel as planned.

LEARN MORE HERE

Posted in Kayak Trip Preparation

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Kayaking Insurance

£10m emergency medical expenses - search and rescue included and £2m personal liability standard on ALL policies.

A GUIDE TO OBTAINING A QUOTE and PRE QUOTE INFORMATION -  questions answered

please ensure you select the correct activity level  for the sports you are insuring and that you insure the full duration of your trip from the UK including departure and return dates on your Snowcard policy - for downhill skiing you will need at least Adventure Plus or Max Adventure for snowboarding

If you have any questions or need guidance on selecting your policy - email [email protected]

N.B. Insurance policies available from this website can only be used by UK, Channel Islands and Isle of Man residents.

Levels of cover

Please start typing your activity in the box below. You are covered for all activities in the level you select and those in lower levels. If you are taking part in multiple activities, make sure you select the highest level that will cover all of your activities.

What is your most extreme activity?

Please check our full activity levels information table - if you cant find a match for your activity - let us know so we can add it.

IMPORTANT - for downhill skiing , you will need at least the Adventure Plus level of cover, do not select Adventure Basic for on and off piste skiing or snowboarding.

If you are taking part in an activity that might be considered out of the ordinary or you are travelling to unusual or remote destinations , please refer full details before proceeding and we will confirm if your trip can be covered.

Annual multi-trip insurance

Cancellation cover (if selected) starts when you book each trip or on the start date entered here and shown on your Insurance Schedule, if this is later. Cover under all other sections of the policy begins when you leave home to go on a trip and ends when you return home from that trip.  The start and finish dates of the trip must fall within the 12 month period of insurance. For trips booked during the 12 month period and that start after the end of the 12 month period, we will provide cancellation cover until the policy ends. Please note that annual multi-trip policies can not be purchased more than 2 months in advance of the policy start date and must be purchased in the UK before departure of your first trip. Cancellation cover commences from the policy start date you specify here.

Single trip limits

Winter sports limits on annual multi-trip policies

Single trip policies

You must insure the full duration of your trip and purchase your insurance before departing from the UK. If you have an annual policy with another insurer and you require higher risk cover with Snowcard for a short duration only, we CANNOT help topping up another insurers policy. You must insure your full trip duration with Snowcard for your policy to be valid.

If you select cancellation cover, it takes effect from the date of policy purchase until your departure date. The insurance for personal belongings, equipment and techno pack (if shown on your Insurance Schedule) is only valid if you have insured the whole duration of each individual trip and starts when you depart from the UK. If you have a Snowcard annual multi trip policy at a lower level of cover, you can purchase single trip top up cover  (medical and emergency expenses only) at a higher level for short durations.

The age band selected must be that of the person who is the lead insured name or the oldest person in the family or group. If a group member is older than 56+, it will be cheaper for the group if the older traveller is insured seperately. For persons aged over 75 contact  https://www.biba.org.uk  for advice.

For annual multi trip policies, use the age band applicable on the policy start date. For single trip policies, use the age band applicable on the date of departure.

Please note a family is 1 or 2 adults and up to 4 children up to the age of 18 – a couple is 2 persons married or living together as married – a group is 2 or more persons travelling together on the same holiday. 

To insure a minor <18 travelling alone, the parent must register their details but insert the name and age of the child when prompted to enter the name of the person to be insured.

Canoe and Kayaling Travel Insurance

Snowcard offer specialist kayak travel insurance and canoeing travel insurance. As one of the UK’s longest running activity holiday insurers we’ve been providing specialist kayak travel insurance and canoe insurance for over 30 years.

A Snowcard policy is tailor made for water sports travel and we provide specialist cover for a wide range of activities including;

• White water rafting
• Sea and surf kayaking
• Canadian canoeing
• Canoeing on lakes or flat water
• River wilderness expeditions
• White water kayaking (up to grade 5 depending on the cover option you select)

For more information and a complete list of water sports travel insurance activities that we cover please visit our activities covered page .

Why Standard Travel Insurance Including Watersports Is Not Always Suitable

When buying water sports insurance standard insurers will not necessarily cover what they deem to be more hazardous water sports activities, particularly if white water is involved. Many general travel policies like those provided free with bank accounts will only cover the lowest risk sports and limit or exclude cover for search and rescue, personal liability insurance and equipment which are extremely important for any water sports enthusiast.

It's important not fall into the trap of making price alone the only deciding factor when purchasing Kayak Trip insurance or Canoe insurance

Why Buy Specialist Water Sports Insurance Cover from Snowcard?

Having specialised in activity holiday insurance since 1990 we are one of the UK's longest running specialists insuring adventure holidays. We understand the needs of our clients as adventure travelers and that's why we've developed what we believe to be the best specialist policies with the highest quality and flexible cover designed to respond in an emergency. 

Snowcard  water sports travel insurance  policies provide you with complete freedom and flexibility to tailor your own travel insurance, enabling you to choose your own sums insured for baggage, sports equipment, cancellations, and our unique techno pack option which provides cover for items such as cameras and electronic gadgets. Our canoe insurance and kayak travel insurance can be personalised and tailored to suit your adventure.

No matter where you are in the world you'll also benefit from 24/7 access to specialist claims and assistance services. 

How To Buy Canoe and Kayak Holiday Insurance

It really couldn't be easier to get a quote and buy canoeing travel insurance and kayak trip insurance online with Snowcard. Using the form at the top of this page simply enter your trip details for an instant quote, you can then tailor and select your own sums insured.

For single trip and annual multi-trip policies, we offer the following 5 options;

• Adventure basic
• Adventure plus
• Max adventure
• Extreme adventure
• Pro adventure

Each option covers progressively higher risk water sports activities.

If you are in any doubt about which cover option to select, then simply use our convenient 'find my level cover' tool in part 1 above. If you plan on partaking in various water sports activities, then please always ensure that you select the option which will cover your highest risk activity.

Wherever you’re going for peace of mind on your next adventure holiday don’t forget your specialist kayak trip insurance and canoe insurance from Snowcard.

If you would more information about our kayak travel insurance or our canoeing travel insurance then please get in touch with Snowcard by using our contact form or by email .

Enjoy Your Adventure!

Do i need specialist kayaking travel insurance.

If you are planning on kayaking in Europe, then you will need a specialist water sports insurance. Standard travel policies do not cover white water kayaking and canoeing, the additional hazards associated with white water sports need to be covered by an adventure sports specialist.

The best way to prepare for and enjoy your kayaking trip safely is with the right insurance. Snowcard are specialists in all types of mountain and water sports activity travel insurance, and our kayaking insurance policies are amongst the leading policies on the market for over 30 years.

What Does Kayaking Travel Insurance Cover?

Specialist kayaking travel insurance provides you with cover for a range of situations and possibilities including emergency recovery and repatriation, medical costs and ambulance charges in remote mountain regions.

With Snowcard travel insurance, as standard you will receive medical and liability cover, £10 million for emergency medical expenses and £2 million for personal liability. All policies include search and rescue including helicopter air-ambulance. With a Snowcard policy, you can customise your insurance to cover personal belongings, sports equipment, electronics (techno pack), cancellation and travel interruption.

Canoeing Holiday Insurance

see all activities covered

• Best overall
• Best for exotic trips
• Best for trip interruption
• Best for family coverage
• Best for long trips

How we reviewed international travel insurance companies

Best international travel insurance for april 2024.

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

If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance  offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

The icing on the cake is Allyz TraveSmart, Allainz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz travel insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance  offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage. 

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

Read our World Nomads travel insurance review here.

Best for trip interruption: C&F Travel Insured

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 2 major plans including CFAR coverage on the more expensive option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancellation for job loss included as a covered reason for trip cancellation/interruption (does not require CFAR coverage to qualify)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Frequent traveler reward included in both policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million in medical evacuation coverage available
• con icon Two crossed lines that form an 'X'. Medical coverage is only $100,000
• con icon Two crossed lines that form an 'X'. Reviews on claims processing indicate ongoing issues
• C&F's Travel Insured policies allow travelers customize travel insurance to fit their specific needs. Frequent travelers may benefit from purchasing an annual travel insurance plan, then adding on CFAR coverage for any portions of travel that may incur greater risk.

C&F Travel Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our Travel Insured review here.

Best for family coverage: Travelex

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

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Options to cover sports equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
• con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
• con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
• con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
• con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage

Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.

• Optional CFAR insurance available with the Travel Select plan
• Trip delay insurance starting at $500 with the Travel Basic plan
• Emergency medical and dental coverage starting at $15,000

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Read our Travelex insurance review here.

Best for long trips: Seven Corners

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse coverage options such as CFAR, optional sports equipment coverage, etc.
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
• con icon Two crossed lines that form an 'X'. Prices are higher than many competitors
• con icon Two crossed lines that form an 'X'. Reviews around claims processing are mixed
• Trip cancellation insurance of up to 100% of the trip cost
• Trip interruption insurance of up to 150% of the trip cost
• Cancel for any reason (CFAR) insurance available

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Read our Seven Corners travel insurance review here.

How to find the right international travel insurance company 

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

• Consider the nature of your travel (leisure, business, or adventure) and the associated risks (medical emergencies, trip cancellations, etc.).
• Determine your budget and the amount of coverage you require. 
• Consider the duration of your trip and the countries you'll be visiting, as some policies won't cover specific destinations. 

Research the reputation of the company 

• Look for the company's reviews and ratings from reputable sources like consumer advocacy groups and independent website reviews. 
• Check the provider's financial stability and credit ratings to ensure it can pay out claims reliably. 
• Investigate the company's claims process to ensure it can provide timely support if you need to file a claim.

Compare prices

• Get quotes from multiple providers to compare rates and coverage options.
• See if the company provides discounts or special offers to lower your cost. 
• Look at the deductible or any out-of-pocket expenses you may have to pay if you file a claim to determine if you can afford it. 

Understanding international travel insurance coverage options 

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Finding the best price for international travel insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

We ranked and assigned superlatives to the best travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including: 

• Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
• Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
• Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
• Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
• Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

International health insurance and travel insurance serve different purposes. While both may cover medical expenses, international health insurance provides long-term health insurance for working abroad. Meanwhile, travel insurance offers short-term coverage for the duration of your trip. 

Typically, your regular health insurance won't cover you out of the country, so you'll want to make sure your travel insurance has adequate medical emergency coverage. Depending on your travel plans, you may want to purchase add-ons, such as adventure sports coverage, if you're planning on doing anything adventurous like bungee jumping.

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

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Kayak Travel Insurance - 2024 Review

Kayak travel insurance.

• Available at Check-Out
• Very Expensive
• Weak Benefits
• Insufficient Travel Insurance Cover

Sharing is caring!

Kayak is one of the premier online travel agencies that has an amazing metasearch engine to find travel deals for air travel, package travel, hotels and rental cars.

Saving money on flights with a comparison site like Kayak is something many of us do. At checkout, you’ll be offered travel insurance to cover your trip. But is it worth it?

Before selecting it, our suggestion is to shop around, like you did with your flights, to find the best trip insurance plan for your needs at the lowest possible price.

Our Sample Package With Flight and Hotel Together

Let’s look at a sample trip. This is a flight from JFK to London on February 12 – February 17 for two travelers from New Jersey aged 60 and 62.

Since we want a flight plus hotel for our trip, we need to look at package deals. This takes us to edreams.com (a Spanish travel booking agent) to select a hotel that will include flights. We selected the Park Grand London Kensington at $856 per traveler for the hotel and flight.

No insurance is offered through edreams except for cancel for any reason which they call C4AR.

This Cancel For Any Reason insurance is $39.07 per traveler for each flight segment, so with a round trip flight with one stop each way (4 segments total), we’re looking at $156.28.

The specifics of the policy are below:

Edreams will refund 80% of your hotel and flight cost if you cancel 72 hours prior to departure. Also, if the booking includes a roundtrip flight, even though you are charged for each segment as stated above, the CFAR option can only be used before departure of the first flight. In other words, though you are charged for each segment to include the CFAR option, it is only available for the FIRST segment departure.

Maximum refund is 5,000 Euros (approx. $5,367 USD at current rates) per traveler to a maximum of $45,000 euros ($48,303 USD at current rates) per trip. Anything beyond these amounts will not be covered by the CFAR policy.

Total cost for our package trip is $1,810.85:

Before deciding whether we should include the CFAR option, let’s see what’s available in the open marketplace for travel insurance and why it is a much better option overall.

TravelDefenders – The Travel Insurance Marketplace

TravelDefenders is a travel insurance marketplace, we can quote your trip with leading US travel insurance providers and display them in an easy to compare format.

Inputting our trip details into TravelDefenders’s quote system, we are shown 27 options for travel insurance. Since we are traveling to the UK, TravelDefenders recommends carrying a minimum of $100,000 of medical coverage and $250,000 of medical evacuation coverage as well as a waiver for pre-existing medical conditions if needed.

The least expensive policy that provides adequate coverage is the IMG Travel SE for $135.36.

The policy provides $250,000 of medical coverage and $500,000 of medical evacuation coverage as well as coverage for any pre-existing medical condition if the policy is purchased within 20 days of the initial trip payment or deposit date.

Should we want maximum cancellation flexibility in case we decide we simply don’t want to go, we’ll need to look at a different policy – a Cancel For Any Reason (CFAR) policy.

Cancel For Any Reason (CFAR) Policies

As mentioned above, a Cancel For Any Reason (CFAR) policy will provide maximum cancellation flexibility. If we cancel for a listed reason in the policy, such as illness or injury preventing us from traveling, we’ll receive a 100% refund of our trip costs. However, if we cancel for any other non-listed reason, we’ll receive either 50% or 75% of our trip cost back, depending on the policy chosen.

The least expensive CFAR policy for our package trip is the Travel Insured Worldwide Trip Protector (CFAR 75%) for $213.12.

The policy provides $100,000 of medical coverage and $1 million of medical evacuation coverage and will also provide a waiver to cover any pre-existing medical conditions if the policy is purchased within 21 days of the initial trip payment or deposit.

Should we cancel for a listed reason in the policy, such as illness or injury preventing us from traveling, we’ll receive a 100% refund of our trip costs. If we cancel for any other non-listed reason, we’ll receive 75% of our trip cost refunded. We would need to cancel up to 48 prior to travel (instead of the 72 that edreams requires) and can receive up to 75% of the total trip cost and not just a maximum of 5,000 Euros per traveler as with edreams.

While more expensive than the IMG policy, if we need more flexibility to cancel, the Travel Insured policy would be a good choice.

What if we don’t want to book a package but just a flight through Kayak. What options, if any, would we have for flight insurance in this instance? Let’s see…

Our Sample Flight Only Trip

For our sample flight-only trip, we chose the same trip from JFK to London, Heathrow on February 12 – February 17 for two travelers aged 60 and 62 but this time we’re only looking a flights and not a package deal.

We chose a Delta roundtrip flight and with taxes and fees, the total cost came to $1,119.50.

At checkout, we’re asked if we’d like to insure our flight for $43.38 per traveler for a total of $86.76.

The policy is the Global Traveler Protector II by Allianz, a well-respected travel insurer. The policy provides $50,000 of medical coverage and $50,000 of medical evacuation coverage.

Does this policy provide enough coverage for our UK trip? Not really. Since we’re traveling outside the US, TravelDefenders recommends having a minimum of $100,000 of medical coverage and $250,000 of medical evacuation coverage.

Unless we have US healthcare that fully covers us worldwide, (most do not), the AIG policy only provides $50,000 of medical coverage - half of what we would need at a minimum.

Medical evacuation can be even costlier. If we need to be flown home due to a severe medical emergency, the cost can be upwards of $25,000 per flight hour. With the AIG policy we’d be covered for only 2 hours of flight time and the remaining costs would come out of our own pocket. Not a pretty thought!

Can we find something better in the open marketplace through TravelDefenders ? Let’s find out.

TravelDefenders – Insurance In The Open Marketplace

If we run input our trip details in TravelDefenders’s quoting system, we have 27 plan options to choose from. The least expensive plan with the minimum recommended coverage is the Trawick Voyager for $101.76.

The policy provides $250,000 of medical coverage and $1 million of medical evacuation coverage. So, for $15 more than the Kayak flight insurance provided by Allianz, we can have 5x the medical coverage and 20x the medical evacuation coverage. Also, should we need to, we can cover any prepaid, non-refundable trip costs in addition to the airfare, while the Kayak policy will ONLY cover airfare.

The least expensive CFAR policy on our quote from TravelDefenders with a 75% refund is the Trawick Voyager (CFAR 75%) for $172.98.

The policy has the same benefits as the standard Trawick Voyager policy we looked at previously but adds the cancel for any reason benefit if we purchase the policy within 21 days of our initial trip payment or deposit. Though more expensive than the standard Voyager plan, if we need maximum cancellation flexibility then this policy would be a great option.

Before you book your flight on Kayak and buy their trip insurance, shop around and find the right travel policy for your needs.

And if you want to save even more money on your flights, try the  TravelDefenders Flight Hack . We have a whole article on this great travel tip, but in essence the advice is to never buy a refundable ticket again. Buy a non-refundable ticket and a cancel for any reason travel insurance policy to save you hundreds of dollars.

To get the best value for your money, visit TravelDefenders first to shop around before committing to the first travel insurance policy you find. Please stop by and chat ,  send an email , or give us a call at 650-492-6298.

Safe travels!

This article has been written for review purposes only and does not suggest sponsorship or endorsement of AARDY by the trademark owner.

Recent AARDY Travel Insurance Customer Reviews

Carolyn Watson

Agent Sylvia is very knowledgeable and friendly!!!

Agent Sylvia was so detailed and informative about my need. She has the patience of Joel. Sylvia answered every question and explained the reason why it is imperative take the required documents with me. Thanks, Sylvia for your assistance and your knowledge!!!!!!! Carolyn Watson

customer - S. Nash

Janet was professional, patient, and courteous.

Felicia was very helpful

Find Business Class Flights to Omsk

When to book business class flights to omsk, faqs for omsk business class flights, how does kayak find such good deals on business class tickets to omsk.

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