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Travel insurance

Explore worry-free with our travel insurance - your safety net for unforgettable journeys

Win 1-of-5 $1,000 Visa gift cards

Buy a travel insurance policy and apply the EASTER24 promo code by 30 April 2024 for your chance to win.

Excl. Vic. Strict eligibility, T&C apply . Always consider the PDS and TMD .

You could save on your travel insurance

You could save up to 5% on a new travel policy if you already have insurance with us 1 .

International Travel

For overseas trips, you can choose from Comprehensive cover or Essentials cover for International Travel Insurance. Plans can cover things like cancellations, luggage and rental car excess.

Domestic Travel

For trips within Australia, our Domestic Travel Insurance plans give you the choice of simple or comprehensive cover. Choose cover just for cancellations or a pick a plan that includes things like rental car excess, luggage and your belongings.

24-hr emergency assistance

We’re here to give you the emergency assistance you need, 24 hours a day, 7 days a week.

Existing medical conditions

There are lots of medical conditions that we cover automatically, so you don’t need to list it on your policy.

Things you should know

The existing customer discount is only available for existing NRMA Insurance customers. We may withdraw this offer at any time.

NRMA Travel Insurance issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507), arranged and administered by Cover-More Insurance Services Pty Ltd ABN 95003 114 145, AFSL 241713 and promoted and distributed by Insurance Australia Limited ABN 11 000 016 722, AFS Licence No. 227681 trading as NRMA Insurance as well as by its authorised distributors. Limits, sub-limits, exclusions, terms and conditions (including eligibility criteria) apply. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations visit Target Market Determinations (TMD) . If you decide to purchase NRMA Travel Insurance from NRMA Insurance or its distributors they receive a commission, for more information please refer to NRMA Insurance’s FSG .

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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.

9 Best Travel Insurance Companies of April 2024

According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

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 Insurance Companies.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

Travel insurance can help you protect the financial investment you made in your vacation when unexpected issues arise. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.

• Travelex Insurance Services: Best Overall
• Allianz Travel Insurance: Best for Trip Interruptions
• HTH Travel Insurance: Best for Groups
• Tin Leg: Best Cost
• AIG Travel Guard: Best for Families
• Nationwide Insurance: Best for Last-Minute Travel Insurance
• Seven Corners: Best for 24/7 Support When Traveling
• Generali Global Assistance: Best for Medical Emergencies
• Berkshire Hathaway Travel Protection: Best for Specialized Coverage

Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Medical and trip cancellation maximum are not as high as some other companies

• 100% of the insured trip cost for trip cancellation; 150% for trip interruption
• Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
• $750 in missed connection coverage
• $50,000 in emergency medical and dental coverage
• Up to $500,000 in emergency medical evacuation and repatriation coverage

SEE FULL REVIEW »

Annual and multitrip policies are available

Distinguishing between the company's 10 travel insurance plans can be challenging

• Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
• $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
• Up to $1,600 for travel delays
• Emergency medical coverage of up to $75,000
• Epidemic coverage

Generous coverage at the mid- and high-tier levels, and great group discounts

Preexisting conditions coverage is only available at mid- and high-tier plans

• 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
• Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
• Up to $2,000 in coverage for trip delays; $1,000 for missed connections
• $500,000 in coverage per person for sickness and accidents

Variety of plans to choose from, including two budget-friendly policies and several more premium options

More limited coverage for baggage issues than other companies

• 100% trip cancellation protection; 150% trip interruption
• $500 per person for lost, stolen or damaged baggage and personal items
• Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
• $100,000 per person in emergency medical coverage, including issues related to COVID-19

Travel insurance policy coverage is tailored to your specific trip

Information about policy coverage inclusions is not readily available without first obtaining a quote

• Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
• Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
• Up to $1,000 in missed connection and trip delay coverage
• $100,000 in emergency medical coverage

Variety of plans to choose from and coverage available up to a day before you leave on your trip

Limited trip cancellation coverage even at the highest tier

• Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
• $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
• Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
• $150,000 for emergency medical and dental issues

Customer service available 24/7 via text, Whatsapp, email and phone

Cancel for any reason coverage costs extra

• 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost 
• Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
• Trip delay and missed connection coverage worth up to $1,500
• Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)

Generous emergency medical and emergency evacuation coverage

Coverage for those with preexisting conditions is only available on the Premium plan

• 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
• $2,000 in coverage for loss of baggage per person
• $1,000 per person in travel delay and missed connection coverage
• $250,000 in medical and dental coverage per person

In addition to single-trip plans, company offers specific road trip, adventure travel, flight and cruise insurance coverage

Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan

• Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
• $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
• Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
• Medical coverage worth up to $50,000

To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong June 2024 trip to Spain for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.

Travel Insurance Types: Which One Is Right for You?

There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:

COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .

Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.

Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .

International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.

Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .

Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.

Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.

Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.

Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.

You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .

Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.

Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.

Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .

Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express . 

Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.

Frequently Asked Questions

The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.

Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.

However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.

Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or Travelex, but you can also shop and compare policies with a travel insurance platform. Popular options include:

• TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
• InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.

Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .

When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.

Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.

Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.

If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.

Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.

Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.

The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.

You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.

Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.

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.

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Tasmania Travel Insurance: How to Protect Your Trip Down Under

We highly recommend TRAVEL INSURANCE, which provides valuable financial protection against a wide range of unforeseen situations that can happen before or during your trip. Get a free quote from Covermore for Tasmania travel insurance, our trusted insurance partner who has protected Australian Travellers for over 35 years, or you can contact our team for a quote by completing the form below.

You’re headed to Tasmania, Australia, and need the right travel insurance products. This guide helps you navigate different types of coverage, understand vital elements like medical costs, trip cancellation, and baggage, and how your plans influence your choice.

By the end, you’ll be ready to make a well-informed decision and ensure your Tasmanian adventure is as worry-free as possible. Let’s dive in!

Do you need Travel Insurance in Tasmania?

Despite the tranquillity of Tasmania, you shouldn’t overlook the importance of having travel insurance when planning your trip Down Under. This peaceful island, renowned for its stunning landscapes and rich heritage, could still present unexpected challenges. That’s where travel insurance comes in. It’s not just about medical coverage. It’s a safety net that covers you for unforeseen circumstances that could disrupt your trip.

Now, you might wonder, how do you choose the best coverage? Start by assessing your needs. Do you plan to engage in adventure sports? Are you carrying expensive gear? Your insurance should reflect your activities and the value of your possessions.

Next, research various policies. Look for comprehensive coverage that includes medical, trip cancellation, and luggage. Read the fine print. You don’t want any nasty surprises when making a claim.

Finally, compare prices. While it’s important to get the best coverage, you also want value for money. Don’t automatically opt for the cheapest plan. Instead, consider what you’re getting for the price.

Who is Cover-More?

When you’re on the hunt for reliable travel insurance, Tasmania.com has saved you a step by partnering with Cover-More, a global travel insurance provider, that has serviced over 15 million travellers since 1986. With a commitment to protecting and assisting travellers worldwide, Cover-More offers comprehensive insurance coverage tailored to meet your needs.

Cover-More doesn’t just provide insurance; they care for their customers, providing 24/7 emergency assistance services wherever you’re in the world. They’ve got a team of experts ready to assist and guide you in case of any unforeseen events during your trip.

This insurance provider offers a range of travel insurance policies that cover various situations. From medical emergencies to trip cancellations, lost luggage, and even rental car excess, their policies are designed to give you peace of mind. They understand that every traveller is different, so they offer various options to suit your specific needs.

Moreover, the process of getting a Cover-More travel insurance policy is simple and straightforward. You can get a quote, customize your cover, and purchase your policy online in a matter of minutes. With Cover-More, you can travel comfortably, knowing that you’re well protected.

Types of Coverage

Let’s explore the different types of coverage that come in handy while travelling in Tasmania.

From cancellation cover to adventure sports cover, each type is designed to protect you against specific risks during your trip.

Understanding these will help you choose the best insurance plan tailored to your needs.

Cancellation Cover

One of the key types of coverage you’ll want to consider for your Tasmania trip is cancellation coverage, which can provide a financial safety net should you need to amend or cancel your journey due to unforeseen circumstances.

This Tasmania travel insurance cover protects against losses incurred from unexpected changes in your domestic travel plans. It covers pre-paid, non-refundable expenses like flights and accommodation if you’re forced to cancel or reschedule due to reasons like illness, injury or extreme weather events.

Obtaining an insurance quote is simple and ensures you’re adequately covered. Remember, it’s not just about the cost of the trip, it’s about protecting what you can’t afford to lose. So, factor in cancellation coverage when choosing your Tasmania travel insurance.

Cruise Travel Cover

In addition to your cancellation cover, it’s crucial to consider cruise travel insurance if your Tasmania adventure involves cruising. Cruise travel insurance offers the best coverage for unexpected incidents that can occur on your trip down under. It can cover medical emergencies, trip interruptions, lost or delayed luggage, and even missed port departures.

This specific insurance is essential as it’s designed to cater to the unique risks and events associated with cruising, which regular travel insurance may not cover. When planning your Tasmania travel, remember, that it’s not just about visiting the stunning landscapes, but also ensuring you’re protected so you can relax and enjoy the journey.

Don’t leave it to chance; secure the best coverage for a worry-free cruise adventure.

Motorcycle / Moped Riding Cover

If you’re planning to explore Tasmania on two wheels, it’s vital to consider motorcycle or moped riding cover as part of your Tasmania travel insurance. This particular coverage offers protection against potential accidents or mishaps during your trip down under.

The best motorcycle or moped riding cover typically includes medical expenses arising from accidents, damage to the motorcycle or moped, third-party liability, and sometimes even emergency roadside assistance. It’s crucial to read the fine print, as some policies may have exclusions or limitations.

For example, they might not cover personal liability or medical expenses if you’re not wearing a helmet. Make sure you choose comprehensive coverage that suits your needs for a worry-free Tasmanian adventure.

Snow Sports Cover

Before you hit Tasmania’s snow-covered slopes, make sure you’re adequately protected with snow sports cover in your travel insurance. This specific Tasmania travel insurance coverage safeguards you from potential accidents and mishaps. It’s not just about broken skis; it also includes unforeseen circumstances like avalanche closure and piste rescue ( designated ski trail rescue ).

Ensure your policy covers medical expenses, equipment, and trip interruptions to get the best coverage. Remember, not all policies are the same. Some might offer a higher level of protection, while others may have certain exclusions. So, read the fine print carefully.

With the right snow sports cover, your trip down under will be much more worry-free. So, enjoy the snowy delights, knowing you’ve got robust insurance coverage.

Adventure Sports Cover

Don’t forget to consider adventure sports cover when choosing your Tasmania travel insurance especially if your trip involves thrilling activities like mountain biking, rock climbing, kayaking, or white-water rafting. Adventure sports cover provides specific protection for activities that could be riskier, ensuring you’re covered if an unexpected event occurs during your adventure down under.

When comparing coverage options, look for a policy that includes medical expenses, rescue services, equipment loss, and trip interruption. Not all Tasmania travel insurance policies include adventure sports cover, so it’s crucial to read the fine print.

For the best coverage, consider a policy that allows you to tailor the adventure sports cover to suit your specific needs. So, gear up and chase that adrenaline rush, knowing you’re well-protected.

Rental Vehicle Insurance Excess Cover

After ensuring coverage for your thrilling adventure sports, another significant aspect you’ll want to consider for your Tasmania travel insurance is rental vehicle insurance excess cover. When driving a rental car in Tasmania during your trip down under, this type of coverage safeguards you from the financial burden if the vehicle is damaged or stolen. It covers the excess you’d have to pay for such events.

There are two main types: collision damage waiver and supplemental liability insurance. The former covers the repair costs after an accident, while the latter covers damage caused to other people’s property.

Luggage and Travel Documents Cover

Continuing with your Tasmania travel insurance planning, let’s now focus on the importance of luggage and travel document coverage.

Imagine landing in Tasmania only to find your luggage or passport lost. That’s where luggage and travel document coverage comes in handy. This coverage typically includes compensation for lost, stolen, or damaged luggage, as well as the replacement costs of essential travel documents.

It’s also worth noting that there are different levels of coverage depending on your insurer. Always check the policy details to ensure your valuables are adequately protected.

Business Cover with the Comprehensive+ Plan

If you’re planning a business trip to Tasmania, the Comprehensive+ Plan offers essential business cover that provides protection for your professional needs.

The Tasmania travel insurance ensures you get the best coverage for your trip down under, safeguarding your company’s investments.

This plan covers costs for lost or stolen business equipment and emergency courier services, ensuring you can continue your business operations smoothly.

Unexpected trip cancellations or amendments are also covered, saving you from potential financial losses.

The Comprehensive+ Plan offers additional benefits like replacement staff cover, ensuring your business runs uninterrupted even if you can’t make it.

So, for a seamless business trip to Tasmania, consider the Comprehensive+ Plan for your Tasmania business travel insurance .

It’s the best coverage you can get for your professional journey.

Eligibility Requirements

To qualify for Tasmania travel insurance, you may need to meet certain eligibility requirements.

Age can be a factor, and most policies require the primary traveller to be 60 or younger while accompanying travellers can be under 99. Existing medical conditions can be an issue for certain policies

You’ll also need to specify the exact dates of your trip down under, from departure to return. This ensures that your coverage aligns perfectly with your travel period. Remember, there’s a three-day no-cover period if you’re already on your trip, so planning ahead is best.

In light of the pandemic, some policies now offer coverage for COVID-19-related medical costs overseas, amendments, or cancellation costs, but be sure to check the details, limits, and conditions of your specific policy.

Costs & Rates

When it comes to the cost of your Tasmania travel insurance, you’ll find that rates can vary based on a number of factors. 

Factors that can influence insurance cost

• type of coverage you choose
• length of your trip down under 
• age of the travellers

For the best coverage , you might want to consider a comprehensive policy . These policies often include medical coverage, trip cancellation protection, and baggage insurance. While they can be pricier, they provide extensive protection that can give you peace of mind during your journey.

Comparing different Tasmania travel insurance policies is a great way to ensure you’re getting the most value for your money. Keep in mind that the cheapest option may not always be the best one. Look at what each policy covers and consider your own needs and circumstances.

Lastly, don’t forget to factor in potential discounts. Some insurers may offer reduced rates for families, groups, or early bird bookings. With some research and careful consideration, you can secure the best coverage for your trip to Tasmania without breaking the bank.

Claims Process

Ace, it’s crucial to understand how the claims process works, so you’re prepared in case you need to file a claim during your trip. When an unfortunate event occurs, gather all the necessary information and details about the incident. This could include medical reports, police reports, receipts, or any other relevant documents supporting your claim.

Then, contact your insurance provider immediately for advice on how to proceed. They’ll guide you through the steps, from submitting the claim form to providing the necessary evidence. Remember that every insurance company has its own procedures and timelines for filing claims. It’s essential to follow these to avoid any delays or rejections.

In case of any changes in your circumstances, such as an extended stay or additional costs, inform your insurer promptly. They need to be aware of all the factors affecting your claim. Also, remember that honesty is key. Any false claims can lead to your policy being cancelled or claim denied.

Exclusions & Limitations

Often, you’ll find that not every circumstance or event is covered by your Tasmania travel insurance policy, so it’s vital to understand the exclusions and limitations before you set off on your trip down under.

While it’s tempting to opt for the policy with the broadest coverage, it’s crucial to note that the best policy is one that suits your specific needs. Remember, all policies have their limitations.

For instance, most won’t cover high-risk activities like extreme sports unless you purchase additional coverage. Pre-existing medical conditions are another common exclusion in many policies. If you have a chronic illness, you must disclose it when purchasing the policy, or you may not be covered.

It’s also worth noting that there are often limits on the amount you can claim for certain items. These are known as sub-limits. For example, your policy might offer $3000 for lost luggage but only allow you to claim $500 per item.

Travel Insurance FAQs

You’ve got several important questions about travel insurance for your Tasmania trip, and we’re here to help answer them. When considering the best travel insurance for Tasmania, you might wonder about the types of coverage necessary for your trip down under.

Does Tasmania Travel Insurance Provide Coverage for Adventure Activities?

Yes, most comprehensive plans cover activities such as trekking, wildlife viewing, and winery tours. However, always check for exclusions, especially for high-risk activities.

What if You Need to Cancel Your Trip?

Most comprehensive policies include trip cancellation coverage, which can be added as specific insurance coverage. This is handy if unforeseen circumstances force you to cancel your travel plans.

How are Pre-Existing Medical Conditions Handled?

Depending on your policy, some conditions may be covered, but it’s essential to disclose all health issues when purchasing your policy.

What are the Coverage Limits?

The best insurance provides enough coverage to protect you from major financial losses. Always opt for a policy offering sufficient limits for medical expenses, trip cancellation, and personal belongings.

What Specific Risks or Hazards Should I Be Aware of When Travelling in Tasmania?

You should know Tasmania’s unique risks, like unpredictable weather, wilderness areas, and wildlife encounters. Remember, travel insurance is essential to cover unforeseen circumstances. Research and choose the best policy for your needs.

Are There Any Specific Travel Insurance Plans Recommended for Tasmania Travel?

Absolutely, there are specific plans tailored for Tasmania travel. Look for ones covering outdoor activities, wildlife encounters, and possible weather changes. Compare options and read reviews to find the best fit for your trip.

Can I Still Purchase a Policy if I Have Already Started My Trip to Tasmania?

Yes, you can still purchase travel insurance after starting your trip. However, there’s typically a 3-day no-cover period. So, it’s best to get your policy before you leave to ensure full coverage.

How Does the Coverage Differ for Adventure Activities Like Hiking or Wildlife Tours in Tasmania?

Coverage can vary for activities like hiking or wildlife tours. It’s crucial you check your policy details carefully. Some insurers require additional coverage for certain adventure activities, ensuring you’re adequately protected during your trip.

If I Need to Extend My Stay in Tasmania, Can I Extend My Coverage as Well?

Yes, you can usually extend your travel insurance coverage if your stay is extended. It’s important to contact your insurance provider as soon as possible to discuss the extension and ensure you’re still covered.

Safety Tips for Travelling in Tasmania

While it’s crucial to arm yourself with a comprehensive travel insurance policy for your Tasmanian vacation or business trip, it’s equally important to familiarize yourself with some safety tips to make your journey smoother and more enjoyable.

When travelling in Tasmania consider these suggestions:

• Always stay updated on weather conditions, as sudden changes can occur, especially in wilderness areas. 
• If you’re venturing into national parks or hiking, inform someone about your plans. 
• For road safety, remember that Tasmanian wildlife is most active at dawn and dusk, so be cautious when driving during these times.
• Ensure you know the local emergency numbers and have them readily available. 
• Take common precautions against petty crime, like securing your belongings and not leaving valuables in your car.

Lastly, understand the specifics of your Tasmania travel insurance to make the best use of its coverage. Know what circumstances are covered, what your responsibilities are and how to make a claim, should the need arise.

These safety tips, along with a robust travel insurance policy, will help ensure your Tasmania adventure is as stress-free and enjoyable as possible.

Emergency Assistance Services Available in Tasmania

In addition to having comprehensive travel insurance for Tasmania, it’s crucial for you to be aware of the emergency assistance services available in Tasmania. In case of an emergency, you’ll find a range of services ready to help, ensuring you have the best coverage for your trip down under.

Firstly, Tasmania has a robust healthcare system. Major hospitals in Hobart, Launceston, and Burnie offer 24-hour emergency departments. Remember, even with your travel insurance, it’s vital to call Triple Zero (000) for immediate assistance in a critical situation .

Secondly, Tasmania Police provides a reassuring presence, ensuring your travel safety. They offer assistance in cases of theft, loss, or any other security concerns.

Lastly, consider the Tasmania State Emergency Service (SES) for natural disasters. They provide rescue services during floods, storms, or other severe weather conditions.

You are Now Prepared for Safe Travel to Tasmania

So, there you have it! Arm yourself with the right Tasmania Travel Insurance and embark on your journey Down Under with peace of mind.

Remember, to consider factors like your destination, trip length, and activities to tailor the perfect coverage.

Don’t underestimate the importance of medical, cancellation, baggage, and evacuation insurance.

Safe travels, mate. Your Tasmanian adventure awaits, and with the right insurance, it’s sure to be a breeze!

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The best travel insurance policies and providers

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

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

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

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

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

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

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

The best travel insurance providers

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

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

AIG Travel Guard

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

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

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

Preexisting conditions

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

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

Standout features

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

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

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

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

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

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

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

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

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

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

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

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

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

Purchase your policy here: American Express Travel Insurance .

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

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

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

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

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

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

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

Purchase your policy here: GeoBlue .

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

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

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

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

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

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

Purchase your policy here: IMG .

Travelex Insurance

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

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

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

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

Purchase your policy here: Travelex Insurance .

Seven Corners

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

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

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

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

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

Purchase your policy here: Seven Corners .

World Nomads

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

World Nomads offers two single-trip plans.

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

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

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

Purchase your policy here: World Nomads .

Other options for buying travel insurance

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

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

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

Is travel insurance worth getting?

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

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

What is the best COVID-19 travel insurance?

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

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

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

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

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

What are the different types of travel insurance?

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

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

Should I buy travel health insurance?

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

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

How much does travel insurance cost?

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

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

When and how to get travel insurance

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

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

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

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

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

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

Bottom line

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

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

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

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

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Is travel insurance worth it?

The right policy can protect your wallet, your belongings and your peace of mind..

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

You might have planned your next vacation, but consider travel insurance before you start packing. A comprehensive policy can protect you if the unexpected happens before or during your trip.

"Travel insurance is often an overlooked investment until the unforeseen happens," says Beth Godlin, president of Aon Affinity Travel Practice . "It's designed to give travelers peace of mind and financial protection against travel risks."

A policy doesn't have to be expensive, according to Godlin, and it can add a layer of protection and security.

Getting travel insurance

How do i get travel insurance, what does travel insurance cover, how much does travel insurance cost.

• Bottom line

There are many options in the travel insurance marketplace: Aggregator site Squaremouth lets you get price quotes from different carriers and, because it receives a commission from the insurance companies on its site, users aren't charged any additional fees.

Allianz has both single-trip and annual plans, with a Cancel For Any Reason (CFAR) policy that reimburses up to 80% of prepaid, non-refundable expenses — more than most similar plans on the market.

In addition to trip cancellation, Allianz's popular OneTrip Prime plan includes travel interruption, emergency medical care and emergency transportation. Children 17 and under are covered for free when traveling with a parent or grandparent.

AIG's Travel Guard® plans are great if you need to customize your coverage: The mid-range Travel Guard Preferred plan pays out 100% for trip cancellation and 150% for trip interruption, with up to $50,000 in coverage for medical expenses and up to $500,000 for emergency evacuation. There's even a payout of up to $1,000 if you miss your connection.

Travel Guard® Travel Insurance

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

Policy highlights

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

24/7 assistance available

If you're booking a trip with an aggregator site like Expedia , review the details of any travel policy that's offered. Plans are usually based on the elements of the trip (hotel, flight, rental car, etc.) and can differ every time you book.

Travel insurance typically costs between 4 and 10% of the overall price tag for your trip. The cost can vary:

• Plans with higher limits and more optional coverage cost more.
• A plan with a CFAR benefit can cost up to 40% more.
• Older travelers typically pay more because there's more of a likelihood of a claim being filed. 

Whichever plan you choose, read the fine print so you understand what you're paying for.

Travel insurance generally covers your expenses, your belongings and your well-being. When shopping for a policy, look for these benefits:

Trip cancellation

If your trip is canceled for a covered reason, a policy will often reimburse airline tickets, hotel rooms, rental cars, tours, cruises and other prepaid, non-refundable expenses. Covered situations can include illness or injury, the death of a family member or traveling companion, job loss, military deployment and even unplanned jury duty, according to Allianz's Daniel Durazo.

Cancellations can also be covered if a natural disaster, severe weather or airline strike prevents your carrier from getting you to your destination for at least 24 hours.

Cancel For Any Reason (CFAR) plans provide a lot more flexibility and typically reimburse 50% to 75% of your expenses. But they can bump up the cost by about 40%, said Durazo, and policyholders are still usually required to cancel no later than 48 hours before their scheduled departure. 

Trip delay 

Should you experience a hiccup in your plans, your policy can provide some relief: Food, lodging and local transportation are usually covered if a delay is due to severe weather, airline maintenance or civil unrest.

"For a traveler to be eligible, they must be delayed for the minimum amount of time listed on their policy," Squaremouth spokesperson Megan Moncrief said. "Some policies are very lenient and provide benefits for any length delay, while others list a length requirement — usually somewhere between three to 12 hours."

Daily payout limits range from $150 to $250 per traveler, Moncrief said, while the total policy limit can be anywhere from $500 to $2,000. Save any receipts to submit with your reimbursement claim.

Don't miss: The best credit cards with trip delay insurance

Trip interruption

Should you need to cut your trip short due to illness or injury, or if there's a family emergency back home, your policy may reimburse non-refundable expenses you forfeited.

It may also cover the cost of a one-way economy airline ticket home.

Baggage loss

Airlines are required to compensate passengers luggage lost in transit, but a travel insurance policy may have a higher benefit limit, and cover you if your bags, passport or other possessions are lost, damaged or stolen once you've gotten to your destination., The Platinum plan from AXA Assistance USA has a $3,000 benefit limit for lost luggage, well beyond the $1,700 that airlines are required to cover on international flights. AXA has offices in more than 50 countries, with multilingual operators available 24 hours a day to help reschedule flights, book hotels and make other arrangements.

AXA Assistance USA Travel Insurance

AXA Assistance USA offers several travel insurance policies that include travel interruption, trip cancellation, and the option of cancel for any reason (CFAR) coverage.

Travel insurance doesn't cover every loss: Cash is not reimbursable and many policies won't reimburse for expensive jewelry or heirloom items. Read your policy carefully to see what is included.

Medical expenses and emergency evacuation

If you travel within the U.S., your health insurance should cover any illness or injury you sustain. If you're traveling abroad, though, your plan may provide little or no coverage. The right travel insurance should cover doctors' fees and hospital bills, Durazo said. 

The provider can also help coordinate care and ensure you're at a medical facility that's up to U.S. standards.

An emergency medical evacuation can be a major expense, costing anywhere from $15,000 to over $200,000, Durazo added.

If you've spent money on nonrefundable airline tickets, tours and hotels, you could be at a loss if something goes awry. Travel insurance covers numerous scenarios, from a medical emergency to a tropical storm. It could be particularly useful if:

• You've spent a lot on prepaid, non-refundable expenses
• You're traveling internationally where your health insurance won't apply
• You're traveling to a remote area
• Your flight involves multiple connections or destinations

"When deciding if travel insurance is right for you, ask yourself how much you could stand to lose if you had to cancel at the last minute," said Godlin.

If you're not as concerned about risk, your credit card may offer built-in travel protection if you book with that card: Chase Sapphire Preferred® , Southwest Rapid Rewards® Plus Card and the  *American Express® Gold Card all come with trip cancellation and interruption coverage, among other benefits.

*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.

Chase Sapphire Reserve®

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 plus, 10X points on Lyft rides through March 2025

Welcome bonus

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℠.

Regular APR

22.49% - 29.49% variable

Balance transfer fee

5%, minimum $5

Foreign transaction fee

Credit needed.

Terms apply.

Read our Chase Sapphire Reserve® review.

Southwest Rapid Rewards® Plus Credit Card

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

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

21.49% - 28.49% variable

Foreign transaction fees

Excellent/Good

American Express® Gold Card

4X Membership Rewards® points at Restaurants (plus takeout and delivery in the U.S.) and at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), 3X points on flights booked directly with airlines or on amextravel.com, 1X points on all other purchases

Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Not applicable

See Pay Over Time APR

See rates and fees , terms apply.

Read our American Express® Gold Card review .

Research your card's travel benefits before making any purchases related to your trip.

Policies vary, but most comprehensive travel insurance plans cover travel cancellation and interruption, baggage loss, medical care and emergency transportation.

While the price for coverage varies, most policies cost between 4% and 10% of the trip's prepaid, non-refundable expenses.

When should I get travel insurance?

It's best to take out a policy within days of making your reservations.

Does travel insurance cover COVID-19?

If you contract COVID-19 before or on your trip, it may be covered by your policy's trip cancellation/interruption benefit . You'll likely have to confirm your test results with a diagnosis from a healthcare provider.

Bottom line 

Travel can be a wonderful experience, but it involves a lot of time, planning and money. Missing a single connection can have a cascade effect that impacts your flight, hotel room, dinner reservations and more. A good travel insurance policy can provide peace of mind so you can focus on your vacation.

Compare and find the best life insurance

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

Meet our experts

At CNBC Select, we work with experts with specialized knowledge and authority. For this story, we interviewed Beth Godlin, president of Aon, which provides custom travel insurance for tour operators, cruise lines, travel websites and others. We also spoke with former Squaremouth Megan Moncrief and Allianz communications director Daniel Durazo.

Why trust CNBC Select?

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

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

For rates and fees for the American Express® Gold Card , click here .

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12 Best Travel Insurance Policies and Why You Need Them

By Suzanne Rowan Kelleher

Condé Nast Traveler has partnered with CardRatings for our coverage of credit card products. Condé Nast Traveler and CardRatings may receive a commission from card issuers. We don't review or include all companies, or all available products. Moreover, the editorial content on this page was not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are entirely those of Condé Nast Traveler's editorial team.

You’ve purchased your flights and booked your hotel. Now, what about travel insurance? These days, it’s easy to add coverage to your trip, but what's the best travel insurance policy to buy? And is the extra cost always necessary?

When planning a trip, nobody loves imagining worst-case scenarios and everyone has a different risk tolerance. For a weekend road trip , you may be willing to cross your fingers and suck up your losses should something go awry. But what if you’re shelling out for a longer, more complex and more expensive trip? You’ll likely want peace of mind when your risk and financial investment are greater.

When do you need travel insurance?

There’s nothing like bad luck to turn you into an insurance evangelist. For travel writer Katherine Fan, the epiphany came after a thunderstorm disrupted her flight in Chicago . “My bags didn't make it to Italy for more than five days, and my travel insurance covered all the costs for replacement items as well as the alternative transportation I had to rebook because of the delay,” she says. “I'll never live without it now.”

In general, the older you are and the more remote your destination, the more crucial it is to buy travel insurance. Lou Desiderio, a communications executive from Long Island, New York, recalls the time his octogenarian father became ill during a European cruise , and doctors recommended that his parents return home immediately. His parents’ travel insurance covered the lion’s share of the $9,500 they subsequently racked up in medical costs, ground transportation, flights, hotel, and meals. “You always wonder if the cost of insurance is worth it,” says Desiderio. “In this instance, it was absolutely worth it.”

“Not all domestic health and medical insurance plans will follow you outside your home country,” says Justin Tysdal, CEO of Seven Corners , a travel insurance provider. “Something as simple as twisting your ankle in a foreign country may not be covered and could result in expensive medical bills.”

Simply having travel insurance can have side benefits, too. “One of the best hidden perks is the 24/7 global travel assistance provided by the plan,” says Stan Sandberg, CEO of TravelInsurance.com . The hotline can be helpful in dealing with a multitude of unexpected issues, from currency conversion or cash transfers to replacing passports or IDs to finding a local physician.

Where can you find a good policy?

Travel agencies, airlines, cruise lines, and tour operators often offer an optional insurance add-on, but these plans tend to have been run through the company’s legal team and contain more exclusions. Travel rewards credit cards also offer some built-in insurance benefits to their cardholders, like trip cancellation coverage, delayed baggage coverage, and trip interruption and delay coverage. But you’ll often be better served by a plan from a third-party insurer, which tend to offer more holistic plans.

The good news is that it has never been easier to buy exactly the type of travel insurance you need at a reasonable price. Most people buy comprehensive insurance for a single trip, but annual travel insurance plans that cover multiple trips in a one-year period are becoming more popular.

You can find some of the best travel insurance policies by visiting an insurance comparison site like TravelInsurance.com, InsureMyTrip.com or SquareMouth.com . Plug in your trip details and you’ll get instant quotes for multiple insurance plans that you can compare on price, coverage limitations, and other parameters. Be sure to read the policy details, as inclusions can vary from plan to plan but will end up making all the difference to your particular needs.

What’s it going to cost?

The cost of travel insurance depends on a variety of factors, including the price and length of the trip, your age, destination, and any optional add-ons. For your average domestic or international trip with flights and hotels , expect to pay anywhere from 3 to 7 percent of your trip’s cost, depending on inclusions.

So for a $2,000 trip, you might expect a typical comprehensive plan with trip cancellation, interruption, and delay, along with baggage loss and delay, and emergency medical coverage and evacuation to cost in the $100 ballpark. Some upgrades, like a “cancel for any reason” provision, will cost more.

When should you buy travel insurance?

Don’t procrastinate. “Some benefits and coverages are available only if you’ve purchased your policy within a short window, typically seven to 21 days from when you make the first payment towards your trip,” says Sandberg. Buy early and you may qualify for a pre-existing condition waiver or a ‘cancel for any reason’ upgrade.

It’s especially important not to delay buying travel insurance if you’re traveling to, say, the Caribbean during hurricane season. Once a major storm has been named, the window of opportunity slams shut, and you can no longer buy insurance for that hurricane. “If you purchase a policy after a storm is named, trip cancellation and trip interruption are excluded from coverage,” says Sandberg.

What’s not covered?

“Some people believe that a travel insurance plan is designed to give you the flexibility to cancel your trip for any reason whatsoever,” says Sandberg. “But the standard plan is not going to provide cancellation coverage for a change of heart or a relationship break-up or an outbreak of Zika in your destination.” If you need that flexibility, opt for the ‘cancel for any reason’ upgrade.

“As far as medical coverage, people often believe a travel insurance plan will cover preventative services such as immunizations and annual check-ups,” says Tysdal. “But travel insurance is intended to cover illnesses and injuries that originate during a trip, and that’s why it’s relatively inexpensive.” Be careful about overindulging, too. “If you injure yourself as a result of being intoxicated beyond a legal limit, your travel insurance policy will not likely cover you,” says Sandberg. Ditto for drug use.

How easy is it to file a claim?

“Documentation is key,” says Meghan Walch, product manager for InsureMyTrip. If luggage is lost or items are stolen, file a report with the airline or police. You may need to provide original receipts for the stolen items in order to receive reimbursement up to the policy limits.“ Also, be aware that baggage coverage only offers coverage up to a set amount,” says Walch. “So, if you are carrying, say, a fancy $3,000 Nikon or Canon camera , you’ll likely need to buy additional insurance elsewhere or cover it under a homeowner's policy.” Note, also, that many plans specifically exclude computers and electronics.

What about car rental insurance?

It’s often possible to add car rental insurance, also known as the Collision Damage Waiver (CDW), to a comprehensive travel insurance plan, which can save you from a serious headache should you get into an accident while driving. “But the biggest mistake people make when renting a car is to waste money on duplicate coverage,” says Jonathan Weinberg, CEO of AutoSlash , the car rental deal-finding site. “The reality is that if you own your own vehicle and have car insurance, you are likely already covered when renting in the U.S.”

CNT Editors

Blane Bachelor

Kyler Alvord

And if you don’t own a car? “Your credit card may also cover you when renting,” says Weinberg. “It's always important to check to be sure, but why pay again for coverage you already have?” Indeed, paying for your rental with the right travel rewards credit card might cover your collision insurance, with some policies covering damage up to the value of the car. Travel outside the U.S. and Canada , though, and it’s a different story. “Most personal auto insurance policies will not cover a claim for damage to a rental outside the U.S. or Canada,” says Weinberg. “Likewise, different credit cards have different exclusions when it comes to covering damage to a rental car in a foreign country.”

Types of travel insurance

Most travelers opt for a comprehensive plan, but you should know what each type of coverage does, so you’ll know if a package truly fits your needs. Here’s a brief rundown of the main types of coverage.

Trip protection

Often known simply as “travel insurance,” this type of comprehensive package is the most common purchase.

Commonly covers: Reimbursement for money spent on your trip due to cancellations, interruptions, and delays; medical expenses if you become sick or injured and, if necessary, emergency medical evacuation and repatriation; and coverage for your belongings if lost, stolen, damaged, or delayed.

How to get it: Compare plans at Square Mouth , Seven Corners , InsureMyTrip.com , and TravelInsurance.com

Trip cancellation

This benefit can reimburse 100 percent of your trip cost—flights, hotels, cruises, and pre-paid activities—if you need to cancel for a covered reason.

Commonly covers: Unforeseen illness or injury; the death of you, a family member, or a traveling companion; terrorism; inclement weather; natural disasters.

Fine print: Some policies also include other covered reasons, such as jury duty or an employment layoff.

Trip interruption

You’ll be reimbursed for your costs if your trip is interrupted for a covered reason. The payout may exceed the total trip cost if you need to incur additional expenses to return home, but some policies limit coverage to a return flight home.

How to get it: Signing up for travel rewards cards like the Chase Sapphire Reserve can automatically give you this coverage for all trips booked on the card.

Learn more about signing up for the Chase Sapphire Reserve here .

Cancel for any reason

This upgrade provides reimbursement for 50 to 75 percent of prepaid and non-refundable trip payments if you cancel a trip for any reason not otherwise covered by your policy.

Watch out: You’ll be required to insure your trip’s entire cost, which will typically increase your premium by roughly 40 percent.

Fine print: Typically available for purchase up to seven to 21 days from the date you make your initial trip deposit. You must cancel the entire trip at least two to three days before your departure date.

Travel delay

If your trip is unexpectedly delayed by a designated amount of time (typically three to 12 hours, depending on the policy), this benefit provides a per-diem dollar amount (typically $150 to $200) that can be used for meals, hotels, and other necessary expenses during the delay.

Commonly covers: Inclement weather and mechanical breakdowns of “common carriers,” meaning public transportation such as planes, trains, or buses.

How to get it: Signing up for travel rewards cards like the Chase Sapphire Reserve can automatically give you this coverage for all trips booked on the card that meet the requirements.

Missed connection

You’ll be reimbursed for additional costs for you to catch up to your trip if you miss your departure due to a common carrier delay of a specified amount of time. It's usually an added feature of larger insurance packages.

Commonly covers: Inclement weather and mechanical breakdowns of common carriers.

Watch out: Some policies only reimburse if you need to catch up to a cruise or tour. Since the wording typically specifies public transportation delays, you would be out of luck if you’re driving and miss your connection because you got caught in traffic.

Baggage and personal items loss

You’ll be covered for lost, stolen, or damaged luggage. Expect limits in both overall coverage and per-item coverage. It's included with many travel rewards credit card benefits.

Watch out: While most policies cover your personal belongings throughout the entire trip, some will only cover luggage while it is checked with an airline or transportation carrier.

Baggage delay

If your luggage is delayed for a specified period of time—typically 12 or 24 hours—this coverage will reimburse you for any clothing, toiletries, and other essential items you need to purchase. Expect a maximum coverage amount per person, as well as a daily limit. It's also included as a cardholder benefit with many travel credit cards.

Emergency medical coverage

This covers the costs to treat a medical emergency, including treatment, hospitalization, and medication. This type of coverage is highly recommended for international trips and cruises.

Watch out: You would pay for medical care out-of-pocket, and then file a claim for reimbursement when you return home. In certain situations, an insurer might pre-authorize payment of medical bills, but it is not guaranteed.

How to get it: Browse medical coverage plans at Seven Corners .

Emergency evacuation coverage

This coverage is for transportation to the nearest medical facility in the event of a medical emergency during your trip. It's usually an add-on to larger medical coverage.

Commonly covers: If the treating physician recommends that you should return home for further medical attention, this benefit can also cover those transportation expenses. In the case of a death, repatriation can transport a traveler’s remains back home. It's usually an add-on to a larger travel insurance policy.

Pre-existing medical conditions waiver

Most policies have built-in exclusions for pre-existing conditions. So if you’ve been seriously ill in the past or need ongoing treatment, consider looking for a plan that offers a pre-existing condition exclusion waiver.

Fine print: You’ll need to purchase the plan within a few weeks from the date you make your initial trip payment.

Hazardous/adventure sports coverage

Are you an adrenaline junkie? Adventure activities such as heli-skiing, off-trail snowboarding, bungee jumping, wakeboarding, Jet Skiing, spelunking, rock climbing, and scuba diving are almost always excluded from coverage in most travel insurance plans.

Fine print: You can buy coverage as an optional upgrade, which is an especially smart bet if you’re planning an adventure trip outside the United States.

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Any duration, any grading, advanced search, why travel insurance , for australians and australian permanent residents: .

We require travel insurance to ensure our participants have adequate protection for cancellation costs if they are unable to participate in a trip, or must leave a trip, due to unforeseen circumstances. 

We find that most Australian and Permanent Resident participant’s Medicare or private health funds adequately cover them for medical and evacuation expenses, but if you have any doubts we recommend you check this with your provider.

For your convenience, you can obtain a competitive quote through us with Cover More Travel Insurance and complete your policy directly online via the link below.

If you are organising your own travel insurance, please ensure that you have adequate cover for cancellation costs and additional expenses incurred due to unforeseen circumstances and travel changes etc.  If you are planning to rely on the travel insurance provided by your credit card, you should, before travelling, obtain written confirmation that you are covered (source the policy number and emergency contact number) and exactly what the insurance covers you for. 

For International Visitors: 

We require travel insurance to ensure that our participants have adequate health, evacuation, and cancellation protection. 

We recommend you obtain a comprehensive travel insurance policy from a reputable provider in your home country.

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INNOVATIVE ADVENTURES

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Our adventure holidays aim to be fully inclusive. We include park fees, permits, internal flights, meals and camping gear in our trip price, as well as gear such as goretex jackets and sleeping bags when required.

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Travel Medical Insurance protects you in the event of an illness or injury while traveling outside of your home country.

Travel Insurance protects you from financial losses should your trip be delayed, interrupted, or cancelled. It also includes coverage for medical expenses while abroad.

International Health Insurance provides medical coverage for individuals and families living abroad (or away from their home country) and includes benefits such as preventive care, routine check-ups, and treatment for illnesses and injuries.

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How Much Is Travel Insurance in 2024?

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Table of Contents

Average cost of travel insurance by trip cost

Factors that affect travel insurance cost, more example costs of travel insurance, types of travel insurance, how to buy travel insurance, credit cards with travel insurance, cost of travel insurance recapped.

According to NerdWallet analysis, the short answer to “How much does travel insurance cost?” is that it’s typically 7% of your overall trip cost. For example, travel insurance will cost you an additional $70 (roughly) for a $1,000 trip.

However, depending on your provider, travel insurance costs can range from 4%-16% of your trip cost. That means for that $1,000 trip, you might find coverage for as little as $40 or up $160 on the high end.

Costs vary across providers, level of coverage and factors like your age and destination. Let’s take a look at the different types of travel insurance, what influences its cost and the average cost of travel insurance.

The Nerds dove deep into over 50 real world coverage price points to get a clearer sense of typical travel insurance costs in 2024.

On average, travelers should expect to pay 6.87% of their total trip cost for travel insurance. The minimum you might expect to pay is 4.15%, but it can go as high as 15.8%.

How did we determine these ballpark travel insurance prices?

We broke it down by looking at four individual providers' cheapest basic plan and most expensive basic plan for two traveler age demographics: a 30 year old and a 60 year old.

The Texas-based travelers are taking a 10 day trip to Florida in the summer. Included providers in our analysis were:

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 .

TravelSafe .

HTH Insurance .

According to the U.S. Travel Insurance Association, a national association of insurance carriers, the amount you can expect to pay for travel insurance will vary between 4% to 8% of your overall trip. This falls in the general range of our analysis, too.

If your vacation was $5,000, you’d be looking at somewhere between $200 and $400 for insurance. NerdWallet findings corroborate this range, with the average travel insurance cost for a trip at this price point being about $350.

Of course, as we describe below, the type of coverage you choose can greatly affect the cost of your insurance.

» Learn more: What does travel insurance cover?

So, how much is travel insurance? Several factors will influence the cost, like:

Type and extent of coverage.

The length of your trip.

Your destination.

The age of the policyholder.

Total trip cost.

Let’s say that you chose to purchase an insurance policy to cover any health care expenses you incur while traveling. This will reimburse you in the event you need to see a doctor, require hospitalization or have a variety of needs related to health care.

However, let’s say that you also chose to insure some of your trip costs; this means that, if need be, the policy will reimburse you for nonrefundable trip costs in case of a covered event. This will drive up the price of your policy overall.

Another factor that will affect the cost of your travel insurance is the coverage limits of your policy. These limits dictate how much you’ll be reimbursed in the event you need to use your insurance; the higher the amount, the more expensive your insurance.

» Learn more: The best travel insurance companies

Here are some sample costs of travel insurance for a seven-day trip in the United States for two travelers ages 34 and 36. Full trip costs are estimated to be $2,000, and trip bookings have yet to be paid in full.

Policies include trip interruption coverage, travel delay coverage (up to $500) and emergency medical coverage.

In addition to the cost of travel insurance, we also need to talk about the different types of travel insurance. This is because the price you’ll pay will depend on the insurance you choose. Some policies — like those that allow you to cancel for any reason — can be more expensive than other, more limited, policies.

Common types of travel insurance include:

Lost luggage insurance .

Trip interruption insurance .

Trip cancellation insurance .

Rental car insurance .

Cancel For Any Reason insurance .

Health insurance .

Accidental death insurance .

Emergency evacuation insurance .

Different types of insurance will cover various things. Trip cancellation insurance, for example, will allow you to recoup a portion of nonrefundable costs when you’re forced to cancel your trip for a covered reason.

It’s simple to purchase travel insurance; you’ve probably seen dozens of ads for insurance whenever booking a flight or rental car.

However, it’s a better idea to get multiple quotes for policies. Insurance policy aggregators, such as Squaremouth, allow you to search a variety of different providers at once. You can then compare the coverage and price of each policy before choosing one that suits your needs.

» Learn more: What to know before buying travel insurance

If you’re looking into purchasing travel insurance, you may want to check which credit card you’re using to book your trip. Many of today’s popular travel credit cards offer complimentary travel insurance.

Cards such as the Chase Sapphire Preferred® Card offer primary rental car insurance; this means that the card will pay for any covered damage so that it doesn’t pass on to your personal insurance policy.

The types of insurance and total coverage vary according to the card, so you’ll want to check your individual policies.

Common coverage includes trip delay insurance, lost luggage insurance, rental car insurance and emergency medical insurance.

Popular cards that provide these types of coverage include:

Chase Sapphire Preferred® Card .

Chase Sapphire Reserve® .

Capital One Venture X Rewards Credit Card . (Benefits may change over time.)

The Platinum Card® from American Express . Terms apply.

United℠ Explorer Card .

In order to qualify for coverage, you’ll want to use your card to pay for any trip costs, including your airfare, lodging and rental cars.

The amount you’ll be reimbursed varies widely depending on which card you hold. For instance, the Chase Sapphire Preferred® Card provides coverage for up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses for covered trip cancellations.

Chase Sapphire Preferred® Card

These include airfare, accommodations and even tours.

The United℠ Explorer Card , meanwhile, offers far less coverage at just $1,500 per person and $6,000 per trip.

United℠ Explorer Card

$0 intro for the first year, then $95

Of course, your trip will need to fall under covered circumstances, including sickness and severe weather.

» Learn more: Does my Chase credit card have travel insurance?

It can make sense to purchase travel insurance, especially if you’re unsure about your vacation or worried about incurring expenses you can’t afford. Before buying a policy, you’ll first want to decide what type of insurance you’re looking to buy; some types of coverage cost much more than others.

You’ll also want to check to see if your credit card already provides complimentary travel insurance. Many popular travel cards offer this feature, though the limits may be lower than you might prefer.

Finally, do your homework before buying a policy. Gather quotes from multiple companies before making a decision, and remember the average price of trip insurance ranges from 4% to 8% of your total vacation costs.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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

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

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

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

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

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

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Traveler Assistance Services   Reviews

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1,179 total

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Atención y servicio inesperado y sorprendente

Realmente no esperaba rápida atención y mucho menos acompañamiento, y sinceramente lo recibí. También creí que debía adaptarme a solo una posible opción y disposición y se encargan de encontrar alternativas u otras opciones que se acomoden a uno, muchas gracias! Excelente servicio. I really did not expect prompt attention and much less accompaniment, and I sincerely received it. I also thought I should adapt to only one possible option and layout and take care of finding alternatives or other options that fit one, thank you very much! Excellent service.

Date of experience : October 10, 2023

Reply from Traveler Assistance Services

Hola Juan, gracias por la confianza depositada en nuestro servicio, para nosotros es un gusto poder acompañarte en tus viajes. Mientras tu viajas TAS te protege.

Great service and coverage

Great service and coverage, 24/7 support

Date of experience : December 16, 2023

¡Hi, Carlos! Thanks for trusting in our services. It's a pleasure to join you in your travels.

Good service

Good service. I faced a little delay, but in general it's a cool service

Date of experience : November 30, 2022

Hi Bob! Thanks for your comment!

Quality service

Mostly fast service, polite, caring and quality!

Date of experience : September 21, 2022

Thanks for trust in us!

CARE!!! Just look up this youtube video ''Travel Vlogging cost me an Organ…'' The man almost die and they did this to him care guys if u love your life and your love ones dont travel with this demons

Date of experience : December 13, 2023

Hi. We already have communicate with Timmy to provide the support and given solutions to him. Anyway, thanks for your preoccupation and we invite you to know us as well. Kind regards.

Love TAS. You cannot go wrong here. I can't even count how manny times we have used them. Always the best customer support. Thanks.

Date of experience : November 16, 2021

Hey Terry. Thank you so much for your rating. We make an honest effort to be there for our travelers and provide the best service.

Good assistance services for traveling

Good assistance services for traveling, went to Hungary with the best insurance! see you in the next journey!

Date of experience : December 13, 2021

We're happy to know this, thanks for making us part. See you on the next journey!

thank your for assistance

thank your for assistance, best insurance company for traveling, highly recommend it

Date of experience : October 27, 2021

Hi nitish, thanks for you comment, we want to improve our service at all times and provide quality assistance to all our users.

Peace and work

In a hectic environment trust pilot was there when I needed immediate assistance.

Date of experience : May 10, 2021

Hello, we are glad that everything is fine, our priority is to provide the best service to all users.

In a hectic environment trust pilot was…

In a hectic environment trust pilot was there when I needed immediate assistance

Date of experience : May 18, 2021

Very helpful service and definitely…

Very helpful service and definitely will recommend to a family or loved one.

Date of experience : May 03, 2021

Hi Oscar, we are happy that you teel us your experience, we hope to be your ally for your next trips.

Their servicess is excellent

Their servicess is excellent, they will answer your questions professionally, great customer service

Date of experience : September 13, 2021

Hello Amanda, at TAS we have as a priority to provide a quick and effective solution to all the requests of our users.

We had some unpleasant cases

We had some unpleasant cases, but the administration quickly resolved our problems

Date of experience : July 05, 2021

Glad to hear that the issues were quickly resolved! We are always trying to improve our services! Thank you for your comment :)

I really liked the help services

I really liked the help services. Good travel

Date of experience : August 30, 2021

Hi there! We work every day to provide the best service to you and all our clients. Thanks for your comment

Thanks very much .

Thanks very much . I'm happy to be here

Date of experience : May 20, 2021

Best insurance for travellers I highly…

Best insurance for travellers I highly recommend.

Date of experience : July 27, 2021

We are happy that our service has helped you, at TAS we work every day to provide the best service to all our users

Thanks for your assistance

Date of experience : July 31, 2021

Hello, we thank you for your comment, we hope all is well, we always work to provide the best service to all our users.

very good service and high quality

Date of experience : January 13, 2022

Thanks! Your opinion is very important for us.

verry easy to go with

Date of experience : June 25, 2021

That's our goal! To make the process easy to our customers! :)

hgoodi i'm chivvuthy

hi i'm chivvuthy

Date of experience : May 21, 2021

• Travel Insurance

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Travel Insurance For Indonesia: Everything You Need To Know

Updated: Apr 4, 2024, 12:32pm

Table of Contents

Travel insurance for indonesia, what does travel insurance for indonesia cover, does travel for indonesia cover all emergencies, will an insurer cover me if i have a medical condition, cost of travel insurance for indonesia, how do i compare travel insurance for indonesia, frequently asked questions (faqs).

While Indonesia may be most famous for its tourist hub, Bali , the archipelago, as a whole, has grown in popularity in recent months. The Australian Bureau of Statistics (ABS) reported Indonesia replacing New Zealand as the top destination for short-term trips overseas by Australians last year—the first time since the Bureau started collecting travel records nearly 50 years ago.

Roughly 1.37 million Australians visited Indonesia in 2023. While some 86% took a holiday there, 7% visited friends or relatives. Whatever your reason for visiting the country, you’ll want to make sure you’re safeguarded against common mishaps that can arise while away, and even in the lead up to your holiday. Travel insurance for Indonesia can provide this protection, paying out should you fall ill or get injured and need treatment during your stay, if you lose your baggage or belongings or need to cancel your trip. Find out exactly how travel insurance for Indonesia works, what it covers and does not cover below.

If you’re sticking solely to Bali and its associated islands, then you can read more in our guide to travel insurance for the island of the gods.

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Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

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Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

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

$2,500 with option to increase to unlimited

If you’re planning to visit Indonesia, you’ll need travel insurance specifically for the destination. There are three main types to choose from:

• Single trip: for a one-off trip in the space of 12 months to Indonesia
• Annual multi-trip: for more than one trip in the space of 12 months to Indonesia or various destinations. This type of cover can work out more cost-effective than buying multiple single trip policies but not always so it’s best to compare both types of cover.
• Long-stay/backpacker: for an extended stay in Indonesia, of typically 60 or 90 days, or 12 or 18 months. Cover for 24 months may be available, from certain providers.

Depending on the insurer, and the type of policy you choose, you may have the option to take out cover for Indonesia alone, Asia or worldwide destinations. Note that insurers usually offer worldwide policies that include the US and destinations such as Canada, Greenland Mexico and the Caribbean, and worldwide policies that exclude them, depending on where you’re going, as medical costs are extremely high in this part of the world.

A good travel insurance policy will cover emergency medical costs should you fall ill or injure yourself while away. This may also extend to medical rescue, and repatriation costs, for severe cases where you need transporting to a hospital or back to Australia.

Cover for personal liability should you injure someone or damage another person’s property, and trip cancellation for reasons such as falling ill before the trip or suffering a bereavement should also be included as standard. You should also be able to claim for loss or theft of your luggage and belongings. Note that there’s typically a total limit on the amount you can claim for your possessions, as well as an individual limit for each type of item.

A policy may additionally include a number of other forms of cover, such as:

• Personal money: the amount that can be claimed if your money is lost or stolen
• Missed departure: covers the cost of additional accommodation and travel should an emergency cause the policyholder to miss their journey
• Travel delay: pays out if your scheduled transport is late by typically a least 12 hours
• Company insolvency: compensates you if your airline or hotel goes bust
• Personal accident: pays out if an injury causes permanent disability or death

Insurers usually offer basic policies with few benefits and low cover levels and comprehensive policies that provide their widest range of cover and higher cover levels. They may also have one or more mid-level policies for anything in between.

Shopping around will allow you to find the best policy to suit your needs and budget. For help with finding a comprehensive policy, we’ve conducted in-depth research to find what we believe are the top 10 available .

It may be impossible for travel insurance for Indonesia to cover everything that can go wrong with a holiday, but it can cover a wide range of common scenarios, particularly if you opt for comprehensive cover. A policy’s product disclosure statement (PDS) sets out the specifics of what it does and does not cover. You should be able to access this on the insurer’s website, and read it before making a decision on whether it’s right for you.

Bear in mind that most insurers won’t cover a holiday where you’ve travelled to parts of Indonesia that the government’s Smartraveller website has on its “do not travel” list. To avoid this type of problem, it’s best to check the website for updates on Indonesia before purchasing a policy, and before departure. Smarttraveller will also advise if you should travel with caution, warning of risks, such as acts of terrorism, civil and political unrest and natural disasters.

Insurers will also likely reject claims resulting from intoxication from alcohol or drugs, and disorderly behaviour. If you’ve partaken in any sports and activities while away, it’s likely an insurer will only accept related injury claims if you wore the appropriate safety gear, such as a helmet, or harness.

Having a medical condition won’t necessarily hinder your chances of finding suitable cover for Indonesia, but you may find you’ll have to shop around a little more.

Only some insurers provide cover for what they term “pre-existing medical conditions”. These are conditions that you had before taking out the policy. Those that do provide this type of cover usually raise their premiums to do so, owing to the heightened risk that you’ll make a medical-related claim while away. The policy premium—the price of the policy—will often rise with the severity of a condition. This means cover for a heart condition will be more expensive than for diabetes, for example.

When running quotes on the sites of insurers that provide pre-existing medical cover, you’ll be taken to a medical screening section of the application. Make sure to state what conditions you have and answer the questions about them. This ranges from whether, and how often you take medication, to when you last saw a practitioner concerning your condition. If you later make a claim relating to a condition that you did not declare or detailed inaccurately, an insurer could refuse it.

Insurers refer to a number of factors when calculating how much you must pay for cover. This includes the number of people travelling, and the holiday destination and duration.

More mature travellers and those with pre-existing conditions will likely be charged more than younger travellers and those without conditions, as insurers deem them as high-risk travellers that will likely need to claim while away.

We used the profile of a family of four, aged 42, 40, 14 and 12, spending 13 to 26 May in Indonesia, and assumed they have no pre-existing conditions, (although these providers do offer cover for pre-existing conditions should you need it).

We found basic cover ranged from around $106 to $241, while comprehensive cover started at around $226, with the most expensive policy costing just under $324.

Running quotes on travel insurer websites will allow you to make side-by-side comparisons of their policies based on the types of cover they offer, the various cover levels and prices. Looking through the offerings of a number of insurers can help with finding a deal on the cover you need.

When running a quote you will need to enter details about yourself, anyone else travelling with you and your trip. This includes your name, the age of all travellers, your holiday destination and duration. If pre-existing cover is available, you will also be taken through a medical screening, so the insurer can build a medical profile on each traveller.

Is travel insurance mandatory for Indonesia?

Travel insurance is not a legal requirement for travelling to Indonesia. However, it is recommended by Smartraveller, which advises taking out a comprehensive policy that covers all emergency medical costs, including emergency treatment and medical evacuation. Without it, you could be faced with bills for thousands of dollars, which the Australian government will not pay.

What is required to enter Indonesia from Australia?

Australians visiting or transiting through Indonesia should apply for an e-Visa on arrival , at least 48 hours before travelling. You can alternatively get a Visa on Arrival at some international airports, seaports or land crossings.

To apply for an e-Visa on arrival or the Visa on arrival, you need to have an ordinary (non-emergency) passport that will remain valid at least six months after your arrival in Indonesia. Smarttraveller also advises ensuring your passport has a minimum six months validity from your departure from Indonesia, to avoid any issues with leaving the country or with an onward or return flight. You’ll also need to complete an e-customs declaration within three days of departure to Indonesia.

The Bali Provincial Government has introduced a tourist levy of IDR 150,000 ($14.56 AUD) per person for foreign tourists visiting Bali. The levy is separate from the e-Visa on Arrival or the Visa on Arrival. You can pay the levy online before you travel or on arrival at a designated payment counter at Bali’s airport and seaport. Further detail can be found on the Bali Provincial Government’s website .

What is ‘excess’ in travel insurance?

An excess is a set amount you’ll be expected to pay on each approved claim. It’s usually levied per person on the policy, per event, per claim, but you can check the PDS for the specifics concerning your insurer. You usually can pick from a range of excess amounts, from $50 – $250 on average, when taking out a policy.

The more you choose to pay in excess, the lower your policy premium typically will be, while paying less in excess will raise the cost. An excess is usually deducted from a claim amount, so you won’t need to pay for it out of pocket. However, it’s still crucial that you ensure you can afford it. Some insurers may also offer an excess waiver if you pay an extra premium.

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

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

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

Updated 9:52 a.m. UTC April 11, 2024

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WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

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

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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I'm a financial planner, and I'd recommend annual travel insurance to anyone who loves to travel abroad

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.

• Frequent and spontaneous travelers will likely benefit from annual travel insurance policies.
• Your credit card may come with some travel protections, but it may not be enough.
• When choosing a policy, look at what it covers, not just what's cheapest.

Summer is just a few months away — and if you're planning a vacation this year, the last thing you want is an unexpected event to derail your plans (and cost you hundreds).

Flights get delayed or canceled constantly. Luggage disappears into the ether. Medical emergencies occur in remote destinations. Yet many jetsetters simply cross their fingers and hope for the best rather than prepare for the worst.

That's why, as a financial planner, I believe it's crucial to consider protecting your trips with the right insurance coverage. One option often overlooked, particularly by frequent travelers, is annual travel insurance .

Annual travel insurance covers all your trips within 365 days. Unlike stand-alone travel insurance, which only covers you for a specific trip, an annual policy covers any trips you take within the year.

That's why I tell clients who travel frequently that an annual policy is a good choice for their needs. By opting for an annual plan, you don't have to go through the hassle of booking multiple policies and potentially save money compared to purchasing individual trip coverage. Here's how it works.

What to look for in a policy

While specifics may vary depending on the insurer and plan tier, most include the following key benefits:

• Trip cancellations or interruptions: You may be able to get reimbursed for expenses (even nonrefundable ones!) related to an illness, injury, or natural disaster that forced you to cancel or cut your trip short.
• Emergency medical and dental care: If you fall ill or get injured while traveling, your insurance can help cover the cost of medical treatment.
• Emergency evacuation: In a serious medical emergency or security situation, your policy will arrange and pay for transportation to a hospital or back to your home country.
• Lost, delayed, or damaged baggage: If your luggage is lost, delayed, or damaged during your trip, you can get financial coverage for essential items while you wait for your stuff to be recovered or replaced.
• Trip delays and missed connections: When your travel plans are disrupted due to issues like mechanical problems or severe weather, you may get reimbursement for additional expenses incurred, like meals, lodging, and transportation.

It's important to note that annual travel insurance plans have limitations. Certain high-risk activities, pre-existing medical conditions, and travel to specific regions may be restricted or require additional coverage.

Some travelers may assume that their credit card's built-in travel protections are enough. While many travel rewards credit cards offer perks like rental car insurance, trip cancellation, and baggage reimbursement, the coverage limits are often much lower than a dedicated annual travel insurance plan.

Credit card coverage for emergency medical care is also particularly limited — capped at a few thousand dollars — which may not be enough in the face of a major international medical emergency.

How much travel justifies an annual plan?

For the occasional traveler who takes one or two trips a year, single-trip policies will probably work for you. But if you fall into any of these buckets, you may want to consider an annual policy:

• Regular international travelers (three or more trips abroad yearly)
• Road warriors frequently away for work
• Adventurers engaging in high-risk activities like heli-skiing, scuba diving, or mountain climbing
• Cruisers and tour group travelers
• Students or retirees taking extended trips throughout the year
• Those visiting developing countries with limited medical care

Annual plans cover all of your trips within a 365-day period after purchasing. They're basically a bundle of multiple policies into one package deal. This means you only have to buy one policy to manage, locking in your coverage for the year.

How to decide if an annual policy makes sense for you

Start by reviewing your travel plans this year — and your risk tolerance. Calculate how much buying individual travel insurance policies would cost you over the next year and compare it to the price of an annual plan.

Don't just focus on the premium — carefully evaluate coverage limits, exclusions, and deductibles to ensure you have enough protection for your needs.

An annual policy gives you the flexibility to take spontaneous trips without the hassle of obtaining last-minute insurance. More importantly, it provides peace of mind, knowing that you're covered for a wide range of travel disruptions and emergencies.

As the busy summer travel season ramps up, definitely explore protecting your trips with insurance, especially if you're jetting off internationally. Spending hours on the phone trying to rebook canceled flights or worrying about affording an overseas medical emergency is no way to vacation.

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• Faculty & Staff

Global Visionaries: Dr. Wei Zuo

The Office of Global Affairs is excited to celebrate Dr. Wei Zuo for our April 2024 edition of the Global Visionaries series. The Global Visionaries series highlights the UW’s global impact by featuring innovative, globally-engaged faculty, staff, and students.

Dr. Zuo obtained a M.A. in Teaching English to Speakers of Other Languages (TESOL), a M.A. in Education Leadership & Policy Studies (EDLPS), a M.A. in Economics, and a Ph.D. in English: Language & Rhetoric from the University of Washington. She has held the role of Instructional Consultant at the Center for Teaching and Learning, UW Seattle for the past 8.5 years. Dr. Zuo’s prior experience includes working as a Graduate Student Advisor for the UW McNair/Earl Identification Program, serving as a Chinese Instructor at Seattle Pacific University, working as a Graduate Student Assistant at the UW Language Learning Center, teaching English at the New Oriental School in Shanghai, China, and serving as a part-time Chinese instructor at Fudan University in China.

Dr. Zuo obtained a M.A. in Teaching English to Speakers of Other Languages (TESOL), a M.A. in Education Leadership & Policy Studies (EDLPS), a M.A. in Economics, and a Ph.D. in English: Language & Rhetoric from the University of Washington. She has held the role of Instructional Consultant at the Center for Teaching and Learning, UW Seattle for the past 9 years. Dr. Zuo’s prior experience includes working as a Graduate Student Advisor for the UW McNair/Earl Identification Program, serving as a Chinese Instructor at Seattle Pacific University, working as a Graduate Student Assistant at the UW Language Learning Center, teaching English at the New Oriental School in Shanghai, China, and serving as a part-time Chinese instructor at Fudan University.

I am originally from Changsha, the capital of Hunan province in China, known for its spicy food and located along the Xiang River, which goes into the Yangtze River. In 2008, I earned a B.A. in Journalism and a second B.A. in Teaching Chinese to Speakers of Other Languages (TCSOL) from Fudan University in China. After graduation, I joined the New Oriental School in Shanghai — one of the biggest English educational institutions in China — and worked as an English teacher for two years to help Chinese students who planned to study abroad.

In 2010, I entered the University of Washington as an international student. I love learning so much and taking on challenges. I was also eager to get a well-rounded education. Within five years, I was able to earn three master’s degrees — a M.A. in Teaching English to Speakers of Other Languages (TESOL), a M.A. in Education Leadership & Policy Studies (EDLPS); and a M.A. in Economics — as well as a Ph.D. in English: Language & Rhetoric. Even though I came to Seattle with a relatively good grasp of English and cross-cultural understanding as a previous educator, I found it much harder to adjust than I expected. I felt isolated, partly because my classmates were much older than me and they had family and jobs, and it was very hard to find scholarships as an international student. It took me a few quarters to find my way. I found mentors such as Dr. Min Li from the UW College of Education and Dr. Dan Zhu who was a year ahead of me in the program. They validated my concerns, shared information, boosted my confidence, and provided me with a lot of support and encouragement. I also found community in the International Educators at College of Education (IECE), a student organization in the UW College of Education for international educators, and served as President in my second year at the UW as a way to give back.

After graduating from the UW in the spring of 2015, I joined CTL as an Instructional Consultant in order to hone my skills in teaching and learning and to further increase UW’s capacity in inclusion and equity by supporting all instructors, including international educators, and those who teach international students.

My experience made me aware of the stereotype that Chinese students are quiet and often sit in the back and don’t participate. However, in my experience as an international student, Chinese students had many different approaches to their education. Some were more talkative and willing to lead group discussions. Some preferred to not say much and focus on their studies. Some loved to go to office hours frequently to ask questions, while some would not go until they had no other options. It impressed upon me how much nuance there is to consider —their personality, their parents’ occupation and education background, their prior experience abroad, and many more.

My experience also taught me how important it is to ask for help when you are struggling. It’s easy to be shy and to worry about others judging you. However, something as simple as going to office hours can make a huge difference. There can be a perception among some international students from China that if they attend office hours and ask a lot of questions, their professor would think they did not understand the coursework. However, I found if one attended office hours, and was prepared and respectful of the professor or TA’s time, he or she could get the needed answers and walk away with more confidence.

After struggling to navigate my first few quarters at the UW, I started connecting with other international students, particularly other international students from China, to learn about their experiences navigating the university academically, socially, and culturally. I conducted a pilot study during one of my M.A. degrees and Professor Priti Sandhu at the UW English Department saw potential in me and encouraged me to consider pursuing a Ph.D. degree. I never thought of that as even an option before. I thought it would be too advanced and too complicated. I took the smaller pilot study and turned it into a larger Ph.D. dissertation, still focusing on the experiences of international students from China at the University of Washington, but with a more systematic and scientific approach to my research, including data collection, and data analysis. I was lucky that my dissertation has been supported strongly by my advisor Professor Sandra Silberstein throughout the process. As I was wrapping up my Ph.D. dissertation, I felt a strong desire to share my research findings in a more tangible, friendly, and approachable way that would make it digestible for the entire UW community — such as faculty, advisers, and students.

Dr. Zuo’s Ph.D. Dissertation

Exploring Academic Socialization and Identity of Chinese Undergraduate Students in the U.S.

I reached out to the UW Chinese Students & Scholars Association (CSSA) and suggested that I host an event where I could share the highlights of my research findings in Chinese and give tips and advice to international students from China. About 100 people showed up to the event hosted in Chinese at Savery Hall. I wanted to further expand the dissertation’s influence and share with a wider audience. With the support of Undergraduate Academic and Affairs (UAA) and Undergraduate Advising , I hosted a sharing event in English for advisers and staff who support international students at the UW. One of the attendees was Katie Malcolm from CTL. She encouraged me to take things a step further and to adapt my research findings to more of a pedagogical focus on teaching and learning. We ended up working together to host a workshop at the HUB on how international students experience learning at the University of Washington. About 80 faculty, TAs and staff educators participated and had a great discussion. This event helped connect me closer to the scholarship of teaching and learning.

After I connected with the UW Chinese Students & Scholars Association, I was asked to host their annual Chinese New Year Gala. I was very outgoing and I wasn’t afraid to emcee on a stage bilingually. After the gala, the owner of Chinese Radio Seattle approached me and asked if I would be open to serving as a volunteer. At that time, they rented a radio station in Bellevue but they needed more Chinese and English speakers for their programming. I started out by interviewing people about Chinese arts — such as a group of students from Nanjing University about their traditional Chinese instruments or someone who has spent 50 years of their life dedicated to calligraphy— to help spread a deeper understanding of Chinese culture in the United States.

My experience volunteering as a DJ for Chinese Radio Seattle from 2012-2018 was very enriching. It was really fun to meet all kinds of people and to make new friends. I really enjoyed helping to create cross-cultural connections in the Seattle metropolitan area. For example, I hosted bilingual events for Microsoft Asian Spring Festival, Seattle Chinese Radio, and Seattle Songs and Dances Ensemble. I often felt like a bridge, connecting the cultures of the United States and China. People who listened to our station came with all kinds of backgrounds and levels of experience with China. It involved a lot of code switching and thinking on my feet to make sure I was catering to our diverse audience of listeners who tuned into the radio or listened through the internet.

I often felt like a bridge, connecting the cultures of the United States and China.

I also co-led a study abroad program to China for three years with Dr. Kristi Straus from the UW College of the Environment. The program was a “ Global Flip ” in collaboration with Dr. Xi Lu at Tsinghua University in Beijing, China. Undergraduate students from Tsinghua and the UW watched the same lecture videos and then interacted at their respective universities before collaborating together in person in China over the course of ten days. The program focused on sustainability, understanding the ways that the U.S. and China contribute to unsustainability, and exploring the unique American and Chinese approaches to solutions. My primary role was to help design the learning components of the program, especially cultural awareness and to serve as a cultural ambassador for the UW students — some were international students from China, some were Chinese heritage students who wanted to learn more about their culture, and some were American students who wanted to learn more about China.

In my work with CTL, I worked with my previous colleague Karen Freisem (who retired a few years ago) to take the lead on hosting an online learning community called “Evidence-based teaching: Flipping the Classroom”. We organized monthly Zoom discussions with participants from seven Association of Pacific Rim Universities (APRU) institutions, including Tsinghua University, Waseda University, University of Malaya, Hong Kong University of Science and Technology, National University of Singapore, University of Southern California, and the University of Washington. Ultimately, we explored more about how flipped classrooms provide flexibility in the learning environment, foster problem-solving and critical thinking skills, and facilitate peer learning and group work. We were able to present our findings from this initiative in Singapore at the APRU Annual Technology Forum and also in Norway at the International Society for the Scholarship of Teaching and Learning (ISSOTL) conferences.

Some simple yet effective practices include:

• Learning to correctly pronounce the names of your students. You can learn from your students how to pronounce their names and have them help you to make sure you say their names correctly.
• Creating opportunities for students to introduce themselves and to meet their peers to establish relationships from the very beginning.
• Setting clear and explicit expectations. For example, explaining what office hours are for and who can/should go there (given that different cultures have various understandings of office hours) or clarifying what is considered acceptable for teamwork and collaboration in your class.

It makes a huge difference when instructors create a welcoming and inclusive space for all students, whether it’s sharing their own cultural identity, experience working or studying abroad, learning a new language, or navigating a different environment. All of the practices I suggested above are not only helpful in supporting international students, but in supporting all students. I believe it can help all learners when instructors incorporate continuous reflection and an inclusive mindset into their pedagogy.

It makes a huge difference when instructors create a welcoming and inclusive space for all students.

I am very proud of many things! I am delighted that I can help UW instructors and students, bring evidence-based teaching methods and best teaching practices to instructors, offer support and understanding for educators who care deeply about their students’ learning, share cultural awareness and respect to diversity with people I work with, and make the UW a more inclusive learning space for all learners, no matter where they come from and what languages they speak. Whenever there are gaps between instructors and students, I see myself as a bridge between different cultures. I want to fill those gaps using my skills and knowledge, personal background and experience, as well as my positive attitude.

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Perjalanan Semakin Mudah & Praktis dengan 15 Travel Bag Terbaik Ini! (Update 2024)

Bikin pengalaman travel lebih menyenangkan.

Sumber foto: Freepik.com

Saat ini, travelling sudah menjadi hal yang paling digemari bagi kebanyakan orang, untuk menunjang perjalanan agar lebih mudah dan nyaman tentunya diperlukan perlengkapan seperti travel bag yang berguna untuk menyimpan barang-barang bawaan agar lebih praktis.

Nah, kali ini ProductNation akan memberikan 15 rekomendasi travel bag kualitas terbaik yang bisa kamu gunakan saat travelling. Yuk, simak artikel di bawah ini!

• Faktor Penting dalam Memilih Travel Bag

Sumber foto: Pexels.com

Dalam memilih travel bag, beberapa faktor penting perlu kamu pertimbangkan untuk memastikan kenyamanan dan kepraktisan selama perjalanan.

Bahan Berkualitas Tinggi

Pertimbangkan material travel bag yang tahan lama dan kuat. Pilih tas dengan bahan tahan air untuk melindungi barang bawaan kamu dari cuaca buruk dan potensi kerusakan selama perjalanan.

Desain Ergonomis

Pilih travel bag dengan desain ergonomis, termasuk pegangan yang nyaman dan tali bahu yang dapat disesuaikan. Hal ini akan meningkatkan kenyamanan ketika membawa travel bag, terutama selama perjalanan yang panjang.

Keamanan yang Optimal

Pastikan travel bag dilengkapi dengan sistem kunci atau resleting yang kuat. Fitur anti-pencurian, seperti resleting tersembunyi, juga dapat menambah tingkat keamanan untuk melindungi barang berharga kamu.

Kepatuhan Aturan Maskapai

Pastikan travel bag sesuai dengan aturan ukuran dan berat bagasi maskapai penerbangan, hal ini untuk menghindari biaya tambahan. Dengan memilih tas yang memenuhi persyaratan maskapai, akan memudahkan proses perjalanan kamu.

• 15 Rekomendasi Travel Bag Terbaik dan Awet 2024

Table of Contents

• Torch Fujisawa Travel Backpack 45L + 3L
• President TSA 5259A
• Eiger Folded Duffle Bag L Concisor 60L
• Nike Hypervenom
• Elle Travel Bag
• Polo Hunter Cabin Trolley 593
• Rei Fastune Travel Pouch
• Trunki Luggage
• Navy Club - Ransel Trolley Travel Tr HAGF
• Herschel 37L Heritage Duffle Bag
• Xiaomi 90 Fun Foldable Sports Bag Backpack
• Onepolar Tas Travel Foldable
• Eiger 1989 Border Pass-2 Cabin Pack 89 Backpack
• Elfs Active Foldable Duffle Bag Keeve
• Qlavinka Tas Travel Bag Lipat Koper Jumbo Lexa

Cara Memilih Travel Bag Terbaik yang Bagus

Tips merawar travel bag agar tetap awet, artikel terkait travel bag (tas travel) terbaik 2024.

Editor's Choice: Untuk kamu yang sedang mencari tas traveling untuk perjalanan lebih dari 5 - 7 hari, rekomendasi tas ransel yang satu ini bisa menjadi pilihan yang tepat untukmu. Tas ransel dari Torch ini terbuat dari bahan berkualitas dan memiliki berbagai macam fitur multifungsi yang akan membantumu selama dalam perjalanan. Dengan kapasitas 45 liter + 3 liter, travel bag ini memiliki banyak slot penyimpanan, sehingga mampu membawa berbagai perlengkapan yang kamu butuhkan. 

Torch merupakan brand yang gokus untuk perlengkapan traveling (Travel Gear), termasuk travel bag. Tersedia berbagai pilihan backpack maupun tas punggung yang bisa dipilih sesuai kebutuhan kamu.

Tas ransel Fujisawa 45L memiliki desain yang inovatif, mampu memuat banyak barang untuk traveling hingga 1 minggu. Tas travel bag ini juga memiliki kompartemen tambahan 3L dengan fitur roll top. Dilengkapi 270 zipper, ritsleting yang sangat lebar agar mudah dibuka dan tutup. Ada pula kompartemen khusus untuk laptop terpisah dengan Suspension System, sehingga laptop aman dari goncangan.

Terdapat Air Bender Foam Back System yang berguna mencegah panas saat dipakai. Juga ada Towel Loader dan Under Cloth Mesh untuk memisahkan baju/handuk basah. Kamu bisa menggunakan tas ini sebagai troli dengan mengikatkan trolley strap yang tersedia.

Jangan khawatir saat kamu kehujanan ketika traveling, karena Tas ransel Fujisawa 45L sudah diilengkapi Rain Cover dengan lubang khusus untuk mencegah tertampungnya air saat hujan.

Koper merk President TSA 5259A menggunakan aerolite frame sebagai penutupnya. Faktor keamanan adalah kelebihan dari produk ini sehingga kamu tidak perlu khawatir membawanya saat melakukan perjalanan jauh. Selain itu, roda koper President TSA 5259A dapat berputar 360 derajat sehingga sangat mudah untuk digerakkan.

Kamu juga dapat menentengnya karena koper ini sudah dilengkapi dengan pegangan di bagian samping bodi. Meskipun memiliki banyak kelebihan, koper ini dibanderol murah. Koper President TSA 5259A mempunyai kapasitas yang besar, yaitu 20 inch.

Pada bagian depannya terdapat kantong tambahan dengan ukuran cukup besar yang dilindungi oleh resleting, sehingga mudah diakses. Travel bag koper yang satu ini terbuat dari material ABS (Acrylonitrile Butadiene Styrene) yang elastis dan kuat, sehingga membuatnya lebih tahan debu dan air. Dengan begitu, barang-barang kamu dijamin aman saat memakai koper ini.

Pria seringkali lebih memilih tas yang simpel untuk berlibur. Jika kamu adalah salah satunya, travel bag ini sangat cocok untuk menjadi pilihan idealmu. Duffle bag berwarna dark grey ini dilengkapi dengan kompartemen utama yang luas untuk kebutuhan travelling.

Eiger Concisor 60L ini merupakan tas duffel praktis untuk menyimpan barang bawaan kamu saat traveling ataupun perjalanan singkat. Travel bag Eiger ini juga dilengkapi saku samping yang berguna sebagai saku tambahan dan shoulder strap yang bisa dilepas pasang untuk diselempangkan di bahu.

Dengan fitur lipatnya, tavel bag ini dapat dilipat menjadi ukuran yang lebih kecil ketika tidak digunakan, sehingga memudahkan penyimpanan saat tidak digunakan.

Travel bag multifungsi beberapa bisa digunakan untuk berbagai kegiatan, seperti travelling maupun berolahraga. Tas ransel ini cocok untuk kamu yang ingin tetap terlihat sporty saat memakainya. 

Kamu tidak perlu khawatir jika terkena hujan karena tas ini terbuat dari bahan yang anti air. Selain itu, travel bag ransel ini juga dilengkapi slot untuk menaruh sepatu pada bagian sampingnya. Dibanderol dengan harga yang cukup terjangkau, tas ini mampu menampung berbagai perlengkapan kebutuhanmu selama traveling.

Salah satu brand tas yang sudah tak asing lagi. Elle kembali hadir dengan pilihan travel bag yang berbeda dari tas-tas lainnya. Produk ini dilengkapi dengan tali webbing bahu yang kuat untuk memudahkan mobilisasi saat kamu sedang liburan. 

Travel bag ELLE ini terbuat dari bahan polyester micro yang tebal dan high quality . Kompartemen di dalamnya juga cukup luas yang terdiri dari 2 ruang dan dilapisi dengan busa, sehingga menjadi kokoh. Travel bag ini cocok untuk perjalanan singkat yang tidak memiliki banyak mobilitas. Tas ini bisa dijadikan 2 fungsi yaitu tas jinjing dan tas bahu. 

Jika kamu mencari travel bag yang pas dengan ukuran kabin pesawat, produk ini merupakan solusinya. Mempunyai ukuran sekitar 23 inch yang pas untuk dimasukkan ke dalam kabin. Travel bag  ini memiliki desain yang ringkas dan kokoh serta dilengkapi dengan roda yang dapat ditarik maupun didorong.

Bahannya yang ringan membuat tas ini sangat nyaman untuk dipakai saat berlibur. Tas travel yang sesuai dengan ukuran kabin pesawat ini dilengkapi dengan trolley yang memudahkan kamu membawa barang bawaan.

Kompartemen utama dilengkapi dengan kepala resleting double dan bisa digembok untuk alasan keamanan barang bawaan kamu. Tas travel ini memiliki ruang yang besar.

Selempang Fastone cocok digunakan Areingers untuk membawa barang berharga tanpa harus membawa tas besar saat berpergian. Dilengkapi kompartemen utama dan beberapa kompartemen lainnya untuk mengatur barang Singers agar lebih rapi.

Travel bag ini merupakan tas multifungsi karena dapat digunakan sebagai sling bag , tas selempang maupun tas pinggang. Ukuran tas ini juga tidak terlalu besar dan terdiri dari satu ruang utama dan kantong depan. Sangat efisien dan tentunya tidak akan memakan tempat yang besar.

Terbuat dari bahan cordura yang kokoh, tas ini memberikan ketahanan ekstra terhadap penggunaan sehari-hari. Terdapat kompartemen utama yang luas untuk menyimpan barang-barang kamu dengan rapi, serta kantong depan yang tersembunyi untuk kebutuhan yang lebih spesifik. Bagian belakang tas travel dilengkapi dengan pengait yang memungkinkan kamu untuk memakainya di pinggang, menjadikannya pilihan yang nyaman untuk kegiatan di luar ruangan atau perjalanan.

Koper anak Trunki memang dirancang agar anak bisa membawa semua barang favorit yang mereka butuhkan dalam satu koper. Selain memisahkan barang bawaannya dengan orangtua, kamu juga bisa mengajarkan kemandirian pada anak dan bertanggung jawab atas barang miliknya. 

Travel bag anak ini memiliki kapasitas 18 liter untuk mengemas pakaian dan mainan si kecil. Bagian dalamnya terdapat strap untuk memastikan isi dalam koper aman dan tidak hilang, serta dilengkapi dengan karet untuk melindungi jari-jari-jarinya saat mereka sedang mengemas barang bawaan. Terdapat pula kantong di bagian dalam koper yang mudah diakses untuk menyimpan barang berharganya.

Untuk wanita yang gemar berpergian, kamu bisa melirik travel bag ini sebagai teman perjalanan. Navy Club mendesaintas laptop  backpack yang mudah dibawa karena ringan dan memiliki daya tahan yang cukup kuat.

Tas ransel trolley Navy Club sendiri terbuat dari bahan nylon serat halus yang waterproof . Bentuknya yang kecil juga membuatnya bisa dibawa ke dalam pesawat dan dimasukkan ke kabin. Tas ini memiliki kemampuan untuk diubah dari ransel menjadi trolley, memberikan fleksibilitas dalam membawa barang-barang kamu ketika bepergian.

Selain itu, tas ini cocok untuk membawa laptop dan perangkat elektronik lainnya dengan aman dan nyaman. Kompartemen utamanya dapat menampung laptop serta barang-barang lain yang Anda butuhkan selama perjalanan. Selain itu, terdapat ruang tambahan di bagian depan yang memungkinkan kamu untuk mengatur aksesoris, dokumen, atau barang kecil lainnya dengan mudah.

Desainnya yang serbaguna membuatnya cocok untuk berbagai jenis perjalanan, baik itu perjalanan bisnis atau liburan. Bahan berkualitas dan konstruksi yang kokoh memberikan perlindungan yang baik untuk barang-barang kamu.

Dengan travel bag ransel dari Navy Club ini, kamu akan mendapatkan kombinasi yang efisien antara ransel dan trolley dalam satu produk, sehingga memberikan kenyamanan dan gaya saat bepergian.

Herschel 37L Heritage Duffle Bag adalah pilihan yang solid untuk kamu yang sedang mencari tas travel duffle yang stylish dan fungsional dan ukuran yang cukup besar, untuk menampung kebutuhan perjalanan atau aktivitas sehari-hari kamu. Sebab, travel bag ini merupakan bagian dari koleksi Heritage dari Herschel yang dikenal dengan desain klasik dan gaya yang timeless .

Tas duffle ini dirancang untuk memberikan fleksibilitas dalam membawa barang-barangmu, baik itu untuk perjalanan singkat, olahraga, atau keperluan sehari-hari. Dengan kapasitas 37 liter, tas ini dapat menampung pakaian, sepatu, perlengkapan olahraga, atau barang-barang lain yang kamu butuhkan.

Desain Heritage yang khas menghadirkan sentuhan retro dan minimalis. Tas ini biasanya memiliki satu kompartemen utama yang luas yang dapat diisi dengan barang-barang besar. Beberapa model juga memiliki kantong sisi atau kantong depan untuk barang-barang kecil yang perlu diakses dengan cepat.

Bahan yang digunakan oleh Herschel umumnya berkualitas tinggi dan tahan lama. Tali bahu yang dapat disesuaikan memungkinkan kamu membawa tas dengan nyaman di bahu atau dipegang seperti tas tangan.

Sering kali kamu ribet sendiri saat travelling karena harus membawa dua tas bahkan lebih (koper dan backpack). Namun bagi saya, untuk selama perjalanan satu koper saja sudah cukup.

Untuk kebutuhan backpack saat city tour bisa kita simpan di dalam koper. Apalagi sekarang sudah semakin menjamur tas-tas lipat untuk city tour, seperti Xiaomi 90 Fun Foldable Sports Bag Backpack ini.

Jika tidak diperlukan, travel bag ransel ini bisa tinggal kamu lipat saja lalu masukkan ke dalam kantong celana jeans. Jika butuh, tinggal dibuka kembali. Selain itu, merek Xiaomi juga sudah terkenal sehingga dijamin travel bag Xiaomi ini akan awet dan nyaman saat dipakai.

Travel bag ini memiliki kapasitas jumbo yang bisa dilipat kecil untuk tas cadangan. Kapasitas tersebut cukup untuk menampung oleh-oleh makanan atau pakaian ganti yang butuh diambil dengan cepat.  Tas ini juga memiliki tali yang terbuat dari bahan tahan air.

Tidak hanya unggul pada materialnya, tas ini juga memiliki kapasitas kompartemen yang luas yang memungkinkan kamu untuk membawa berbagai barang berharga. Desain tas ini dibuat supaya bisa dilipat menjadi kecil, sehingga dapat di simpan. Kemudian bila tas travel ini dibutuhkan, baru bisa di buka menjadi tas travel yang besar.  

Borderpass Cabin adalah backpack serbaguna yang cocok digunakan untuk menemani kegiatan traveling kamu. Tas berkapasitas 40 liter ini dirancang sesuai ukuran carry-on, sehingga dapat dibawa bersama kamu ke dalam kabin.

Tas multifungsi ini mudah dibawa karena memiliki beberapa pegangan.  Dilengkapi dengan shoulder strap yang dapat disembunyikan agar mempermudah penyimpanan di overhead compartment. Terbuat dari bahan kuat dan water repellent, tas ini juga memiliki backsystem dan berbahan busa yang lebih empuk untuk kenyamanan.

Terdapat pula saku di bagian depan, handle di bagian samping dan atas, saku di bagian dalam, dan tali elastis untuk menyimpan pakaian. 

Travel bag Keeve 35L juga cocok  digunakan untuk keperluan travelling . Desain tas cocok untuk membawa barang bawaan yang banyak. Saat berangkat, biasanya barang bawaan belum banyak, lipat tas menjadi kecil dan masukan kedalam tas utama. Gunakan tas untuk membawa barang belanjaan & oleh oleh sepulangnya dari trip.

Tas travel ini juga muat masuk kabin pesawat, tidak perlu khawatir kelebihan beban karena material tas sangat ringan. Cocok sekali untuk travel karena memiliki keunggulan tahan air dan noda, ringan, kuat menahan beban sampai 10kg, bisa dilipat jadi kecil sehingga memudahkan penyimpanan.

Produk ini tepat untuk kamu yang sering bepergian dengan pesawat. Pertimbangkanlah tas ini jika kamu memiliki banyak barang bawaan untuk dibawa naik ke pesawat. Tas ini tentu memiliki semua fungsi yang kamu butuhkan untuk sebuah carry-on bag .

Bahannya anti air, terdapat lubang selipan untuk ditaruh di atas koper, dan bisa dilipat seukuran saku. Selain itu, ukurannya sesuai dengan kabin pesawat kebanyakan sehingga sangat cocok dijadikan tas kabin. 

Foldable travel bag ini memungkinkan kamu untuk menggabungkan barang bawaan dengan koper, cukup masukkan ke pegangan koper dan tarik, memberikan kenyamanan luar biasa selama diperjalanan kamu. Produk ini juga tersedia dalam 5 pilihan warna pastel yang menarik dan cantik.

Agar kamu tidak salah pilih tas bepergian atau travel bag terbaik yang bagus dan sesuai kebutuhan, sebaiknya perhatikan hal-hal berikut ini.

Sesuaikan dengan ukuran dan muatan

Ukuran sebaiknya disesuaikan dengan koper yang akan dibawa agar bisa dikaitkan di bagian trolley. Apabila ukuran travel bag lebih besar, maka akan menyulitkan kamu untuk membawanya.  Kamu bisa mengukur terlebih dahulu panjang dan lebar dari travel bag yang akan dibawa. Sedangkan, untuk muatan di travel bag sebaiknya tidak terlalu berat karena akan lebih banyak dijinjing atau dibawa dengan tangan.

Perhatikan bahan utama travel bag

Selain ukuran dan muatan, hal lain yang perlu diperhatikan adalah bahan utama dari travel bag. Pilihlah produk yang terbuat dari bahan ringan namun tetap kuat seperti kanvas, polyester atau nylon. Bahan polypropylene bisa kamu pilih jika travel bag tersebut berbentuk koper karena tidak mudah pecah.

Sesuaikan dengan budget

Travel bag saat ini sudah tersedia dengan berbagai pilihan brand, ukuran, bahan maupun harga. Kamu bisa memilih tas yang sesuai kebutuhan dan selera. Jangan membeli hanya karena keinginan, padahal tidak sesuai dengan kebutuhan. Pilihlah tas dengan kualitas terbaik yang sesuai dengan budget-mu.

Merawat travel bag dengan baik adalah kunci untuk memastikan keawetan tas selama digunakan untuk berbagai perjalanan. Berikut ini, ada beberapa tips sederhana yang perlu kamu ketahui untuk menjaga travel bag agar tetap awet dan tahan lama.

Hindari overpacking

Jangan melebihi kapasitas maksimal tas. Overpacking dapat merusak zipper dan membuat tas rentan terhadap robekan. Kamu bisa sesuaikan barang bawaan dengan kapasitas yang direkomendasikan.

Gunakan pelindung cuaca

Saat cuaca sedang tidak bersahabat, gunakan penutup tas atau cover anti aor untuk melindungi travel bag dari hujan atau salju yang dapat merusak material dan merusak barang bawaan kamu.

Perhatikan zippers atau resleting

Pastikan zippers atau resleting dalam keadaan baik dan bersih. Kamu bisa oleskan sedikit pelumas khusus zipper untuk mencegah keausan dan memastikan kelancaran penggunaan.

Bersihkan secara teratur

Bersihkan travel bag setelah pulang dari perjalanan, dengan membersihkan noda atau debu. Hindari menggunakan bahan kimia yang agresif yang dapat merusak material travel bag.

Simpan dengan benar

Simpan travel bag di tempat yang kering dan hindari paparan langsung sinar matahari. Simpan dalam posisi yang tepat untuk mencegah deformasi atau kehilangan bentuk tas.

Tas menjadi salah satu benda yang wajib dibawa saat melakukan perjalanan. Tas juga bisa menampung bawaan ekstra yang tidak cukup dimasukkan ke koper utama. Oleh karena itu, sebelum membelinya kamu harus benar-benar menyesuaikan dengan kebutuhanmu. Semoga 13 produk rekomendasi diatas bisa membantumu dalam menemukan travel bag yang ideal, happy shopping!

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