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Explore our Insurance Flyer PSD Template collection, where protection meets design brilliance. Elevate your insurance services, coverage plans, and client education initiatives with meticulously crafted templates perfect for insurance agencies, brokers, and professionals. From policy explanations to client seminars, our assortment caters to diverse insurance campaigns. Download, customize, and distribute seamlessly – provide peace of mind and captivate potential clients with our dynamic templates, a testament to your dedication to impactful visual communication and safeguarding what matters most!

Does your insurance company need additional channels and means of promotion? It's time to think about using flyers! And we are here to offer you the most convenient, simple, effective, and affordable way to create designs for flyers. In this category, you will find the best insurance flyers in PSD. We work with professional designers, each of whom has created hundreds or even thousands of flyer designs. This way we can guarantee the best designs, professional color choices, and unique features of our editable templates.

Are you new to free and premium flyer templates? Then you need to learn more and you will understand that this is the best solution for creating flyer designs.

Insurance flyer templates are pre-designed layouts specifically tailored for this industry. Our templates are used by insurance companies, agencies, or brokers to advertise any products and services, such as life, health, auto, or home insurance. The templates include placeholders for text, images, and other design elements that can be customized to suit a specific insurance provider's needs.

Our ready-made templates and printable designs aim to present insurance-related information in an engaging and visually appealing manner, making it easier for potential clients to understand the benefits and features of various insurance policies. By using these templates, insurance professionals can quickly create compelling and professional marketing materials that effectively communicate their offerings and reach a wider audience.

Take Advantage of Our Unbeatable Solution

Utilizing insurance flyer templates in PSD format offers several distinct advantages for your business, making it an effective and practical choice for creating promotional materials. At Elegantflyer, we understand the importance of designing visually appealing and informative flyers that cater to the unique needs of the insurance industry.

Here are some key benefits of using our templates.

• High-Quality Design.

PSD (Photoshop Document) is a format that supports high-quality design elements and graphics, ensuring that your insurance flyers look sharp and professional. Flyers made based on our templates greatly enhance your company's image and help you stand out in a competitive market.

• Customizability.

Insurance flyers in PSD are fully editable, allowing you to easily modify design elements, text, colors, and images to suit your specific insurance offerings and branding requirements. This flexibility ensures that your flyers accurately reflect your company's unique identity and message.

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Utilizing pre-designed templates significantly reduces the time required to create promotional materials. With our preset, you can quickly generate eye-catching and informative flyers that effectively convey your insurance products and services.

• Cost Savings.

Using Insurance flyers in PSD format is more cost-effective than hiring a professional graphic designer. You can allocate resources to other crucial aspects of your business, such as improving customer service or expanding your product offerings.

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You can download and adapt our designs for various insurance products and services, making them suitable for numerous promotional needs.

• Compatibility.

Templates for insurance flyers are compatible with a range of design software, including Adobe Photoshop and Adobe Illustrator. Your team can work with the files using their preferred software, streamlining the design process and minimizing potential technical issues.

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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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15 Best Yearly Travel Insurance Plans for Frequent Flyers

Are you a frequent flyer seeking dependable travel insurance? Look no further!

Embark on a journey through this article to discover the 15 best yearly travel insurance plans tailored for travelers like yourself. These plans provide comprehensive coverage and flexibility to adapt to the unpredictable nature of your travel schedules.

As the world grapples with the challenges of COVID-19, it’s essential to have insurance that considers the disruptions caused by the pandemic. Furthermore, with the rise of the digital nomad lifestyle, there is a growing demand for insurance plans designed for long-term travelers.

Join us as we evaluate the benefits and limitations of these top insurance plans, their suitability for different types of travel, and their ability to accommodate the ever-evolving travel landscape. Our aim is to equip you with a comprehensive guide to select the ideal insurance plan for your needs.

Let’s dive in and find your perfect travel companion!

Key Takeaways

• Increased flexibility in policies to cater to the unpredictability of travel schedules is a recent trend in travel insurance for frequent flyers.
• Comprehensive coverage that includes COVID-19 related disruptions is a growing focus in yearly travel insurance plans.
• Policies tailored to long-term travelers, such as digital nomads, are being created to meet their specific needs.
• There is a heightened emphasis on sustainable travel, with insurance plans incorporating eco-friendly initiatives.

Allianz Global Assistance

When choosing your yearly travel insurance plan for frequent flyers, consider Allianz Global Assistance for comprehensive coverage and reliable support. Allianz Global Assistance offers annual multi-trip insurance that’s specifically designed for frequent travelers like you.

With their frequent traveler coverage, you can travel worry-free knowing that you’re protected against unexpected events such as trip cancellations, medical emergencies, and lost baggage. Their comprehensive travel coverage ensures that you have the necessary protection wherever you go.

Allianz Global Assistance is known for its excellent customer service and quick claims processing, making it a trusted choice for frequent flyers.

Now, let’s move on to the next section to learn about another top travel insurance provider, World Nomads.

World Nomads

When it comes to World Nomads, you can expect coverage for adventurous activities like hiking, scuba diving, and skiing.

Their policies also offer benefits for long-term travelers, providing peace of mind for frequent flyers.

What sets World Nomads apart is their flexibility in changing itineraries, allowing you to adjust your coverage as needed throughout your trips.

Coverage for Adventurous Activities

For adventurous activities, World Nomads offers comprehensive coverage in their yearly travel insurance plans for frequent flyers. Whether you’re planning to go skydiving, rock climbing, or scuba diving, their adventure sports coverage has got you covered.

With World Nomads, you can have peace of mind knowing that you’re protected against unexpected accidents or injuries while engaging in thrilling activities. They understand the needs of frequent flyers who seek adrenaline-pumping experiences, and their insurance plans are designed to cater to those needs.

So, whether you’re a seasoned adventurer or just starting to explore the world of adventure sports, World Nomads has the coverage you need to enjoy your activities worry-free.

Don’t let the fear of the unknown hold you back from your next adrenaline rush – take advantage of World Nomads’ coverage for adventurous activities and embark on your next thrilling adventure with confidence.

Benefits of Long-Term Policies

With World Nomads’ long-term policies, you can enjoy the benefits of comprehensive travel coverage for adventurous activities while traveling as a frequent flyer. These policies provide extensive protection for a range of travel-related risks, including trip cancellation, emergency medical expenses, baggage loss, and more. Whether you’re hiking in the mountains, diving in the ocean, or participating in other thrilling activities, you can have peace of mind knowing that you’re covered.

World Nomads understands the unique needs of frequent travelers and offers long-term policies that provide continuous coverage for an extended period, saving you the hassle of purchasing insurance for each individual trip. With their comprehensive coverage, you can focus on exploring the world without worrying about unexpected expenses.

Now, let’s explore the flexibility World Nomads offers for changing itineraries.

Flexibility for Changing Itineraries

To ensure maximum flexibility for changing itineraries, World Nomads offers frequent flyers the option to easily modify their travel insurance coverage . With their travel insurance policy renewal feature, you can extend your coverage for a longer duration if your travel plans change. Additionally, World Nomads provides comprehensive trip cancellation and interruption insurance, allowing you to recover your non-refundable expenses if you have to cancel or cut short your trip due to unforeseen circumstances.

Here is a comparison table highlighting the flexibility features of World Nomads’ yearly travel insurance plans:

With World Nomads, you have the peace of mind knowing that you have the flexibility to adjust your insurance coverage as needed and protect yourself against unexpected trip disruptions.

AXA Assistance

If you’re a frequent flyer looking for reliable travel insurance, AXA Assistance has got you covered. With AXA Assistance, you can enjoy peace of mind knowing that you have the necessary coverage for your travels.

Whether you’re going on a business trip or exploring a new destination, AXA Assistance offers a range of plans that cater to your specific needs. Their business trip insurance provides comprehensive coverage for any unforeseen circumstances that may arise during your work-related travels.

Additionally, AXA Assistance offers international medical insurance, ensuring that you have access to quality healthcare no matter where you’re in the world. So, whether you’re traveling for work or leisure, AXA Assistance has the insurance plan to keep you protected.

Now, let’s move on to the next section and explore the offerings of Travel Guard.

Travel Guard

When it comes to coverage options, Travel Guard offers a range of benefits to cater to the needs of frequent flyers.

From trip cancellation and interruption insurance to baggage loss and delay coverage, Travel Guard provides comprehensive protection.

In terms of the claim process, Travel Guard ensures a streamlined and efficient experience, allowing travelers to easily file claims and receive the necessary assistance in a timely manner.

Coverage Options for Travel Guard

Travel Guard offers a wide range of coverage options for frequent flyers. As a global travel insurance provider, Travel Guard understands the unique needs of travelers and provides comprehensive coverage to ensure peace of mind during your trips.

Here is a table highlighting some of the coverage options available with Travel Guard:

Travel Guard offers these coverage options and more to ensure that you are protected against common travel risks and emergencies. Their comprehensive travel insurance plans are designed to cater to the specific needs of frequent flyers.

Claim Process for Travel Guard

The claim process for Travel Guard, a global travel insurance provider, is simple and straightforward. If you need to make a claim, you can do so by following a few easy steps.

First, gather all the necessary documentation, such as medical reports, police reports, or receipts for any expenses incurred.

Next, submit your claim online or through the designated customer service channels. Travel Guard aims to process claims as quickly as possible, so you can expect a prompt response.

They understand the importance of providing coverage for unexpected events, including those related to COVID-19.

With their comprehensive travel insurance plans, you can have peace of mind knowing that you’re protected throughout your journey.

Seven Corners

As a frequent flyer, you can benefit from the comprehensive coverage offered by Seven Corners’ yearly travel insurance plan. This plan provides you with protection against a wide range of travel-related risks and emergencies.

One of the key features of this plan is its baggage loss and delay coverage, which ensures that you’re compensated in the event of lost or delayed baggage.

Another advantage of Seven Corners’ plan is its policy customization and flexibility. You have the option to tailor the coverage to suit your specific needs and travel preferences. Whether you’re a business traveler or an adventure enthusiast, Seven Corners has you covered.

Now, let’s move on to discuss the travel insurance services provided by Travelex.

Travelex Insurance Services

When it comes to Travelex Insurance Services, you can expect coverage for flight delays and the benefits of medical assistance.

Travelex offers comprehensive travel insurance plans that provide peace of mind for frequent flyers. With their reliable coverage, you can rest assured knowing that you’ll be taken care of in case of unexpected events or medical emergencies during your travels.

Coverage for Flight Delays

Providing coverage for flight delays, Travelex Insurance Services ensures that frequent flyers are protected from unexpected disruptions to their travel plans. Flight delays can be a frustrating experience, causing inconvenience and potential financial losses. With Travelex Insurance Services’ yearly travel insurance plans, you can have peace of mind knowing that you’re covered in such situations.

If your flight is delayed for a specified amount of time, Travelex Insurance Services will reimburse you for reasonable expenses, such as meals and accommodations. This coverage is especially valuable for frequent flyers who rely on timely travel arrangements.

Benefits of Medical Assistance

With Travelex Insurance Services, you can rely on comprehensive medical assistance benefits for any unexpected health issues that may arise during your travels. Travelex offers a range of benefits to ensure your well-being is taken care of. One of the key benefits is emergency medical evacuation, which covers the cost of transporting you to the nearest appropriate medical facility in case of a medical emergency. This can be a lifesaver in remote or unfamiliar locations. Additionally, Travelex provides travel insurance discounts and offers, allowing you to save on your insurance premiums while still enjoying the same level of coverage. With Travelex’s medical assistance benefits, you can travel with peace of mind knowing that you’ll be taken care of in case of any health emergencies.

CSA Travel Protection

If you’re a frequent flyer looking for comprehensive coverage, consider CSA Travel Protection as one of the top yearly travel insurance plans. Here’s why:

• CSA Travel Protection offers a range of coverage options to suit your needs, whether you’re traveling for business or leisure.
• They provide global insurance coverage, so you can feel protected no matter where your travels take you.
• CSA Travel Protection understands the needs of digital nomads and offers travel insurance specifically tailored to their unique lifestyle.
• As one of the leading global insurance providers, CSA Travel Protection has a strong reputation for reliability and excellent customer service.

With CSA Travel Protection, you can have peace of mind knowing that you’re covered by a trusted insurance provider, whether you’re a frequent flyer or a digital nomad exploring the world.

Generali Global Assistance

Generali Global Assistance is a top yearly travel insurance plan for frequent flyers. It stands out due to its comprehensive coverage options and strong reputation in the industry. With Generali Global Assistance, you can have peace of mind knowing that you’re protected against various travel-related risks.

One of the standout features of this plan is its airline and hotel partnerships, which can provide additional benefits and perks during your travels. Additionally, Generali Global Assistance is highly regarded by travel insurance comparison websites, making it a trusted choice among frequent flyers.

Whether you’re traveling for business or leisure, this insurance plan offers the coverage you need to protect yourself and your belongings.

Tokio Marine HCC

When it comes to coverage for frequent flyers, Tokio Marine HCC offers comprehensive travel insurance plans that can be customized to meet your specific needs.

With their policy customization options, you can tailor your coverage to include benefits such as trip cancellation and interruption insurance, baggage loss and delay coverage, and emergency medical evacuation.

Whether you’re a business traveler or an adventure enthusiast, Tokio Marine HCC has the flexibility to provide the coverage you require for your frequent travels.

Coverage for Frequent Flyers

Choosing the right coverage for frequent flyers is essential to ensure their travel needs are adequately protected, and one option to consider is Tokio Marine HCC’s comprehensive insurance plan.

Here are some key features of their coverage:

• Annual travel insurance: Provides coverage for multiple trips throughout the year, saving you time and money.
• Frequent flyer coverage: Offers benefits tailored specifically for frequent travelers, such as trip cancellation and interruption insurance.
• Global travel insurance: Provides coverage worldwide, giving you peace of mind no matter where your travels take you.
• Comprehensive travel coverage: Includes a wide range of benefits, such as emergency medical evacuation, baggage loss, and delay coverage.

With Tokio Marine HCC’s coverage for frequent flyers, you can travel with confidence, knowing that you’re protected against unexpected events.

Policy Customization Options

Customizing your policy with Tokio Marine HCC allows you to tailor your coverage to meet the specific needs of your frequent travel lifestyle. With their policy customization options, you have the flexibility to add or remove coverage for different travel-related risks and emergencies. This ensures that you have the right level of protection for your unique travel requirements.

Whether you’re a business traveler, an adventure enthusiast, or a family on vacation, Tokio Marine HCC offers comprehensive travel coverage that can be customized to suit your needs.

Additionally, Tokio Marine HCC recognizes the importance of digital travel planning platforms in today’s travel landscape. They provide user-friendly online tools that allow you to easily manage and customize your policy, making the process convenient and efficient.

Trawick International

To find the best yearly travel insurance plan for frequent flyers, consider Trawick International’s comprehensive coverage options.

Here are some key features of their travel insurance:

• Coverage for seniors: Trawick International offers travel insurance specifically designed for seniors, providing them with the necessary protection during their travels.
• Online customer service: Trawick International prioritizes customer convenience by offering online customer service for travel insurance. This allows travelers to easily access assistance and support whenever they need it.
• Comprehensive coverage: Trawick International’s travel insurance plans offer comprehensive coverage for a range of travel-related risks, including trip cancellation, medical emergencies, baggage loss, and more.
• Worldwide coverage: Whether you’re traveling domestically or internationally, Trawick International provides coverage that extends to destinations around the world, ensuring you’re protected wherever you go.

With Trawick International’s travel insurance, seniors can have peace of mind knowing they’ve the necessary coverage, while also benefiting from the convenience of online customer service.

When considering the best yearly travel insurance plans for frequent flyers, you should also explore the offerings of RoamRight, a leading provider in the industry.

RoamRight offers comprehensive coverage that caters to the needs of frequent travelers. One of the standout features of RoamRight is their airline and hotel partnerships, which provide added benefits and discounts to policyholders.

Additionally, RoamRight understands the importance of meeting Schengen visa insurance requirements for travelers visiting Europe. With their Schengen visa insurance coverage, you can have peace of mind knowing that you meet the necessary insurance obligations.

Whether you’re traveling for business or leisure, RoamRight has you covered with their reliable and customizable yearly travel insurance plans.

April Travel Protection

For frequent flyers looking for comprehensive coverage, April Travel Protection offers a range of customizable yearly travel insurance plans. With April Travel Protection, you can enjoy peace of mind knowing that you’re protected against unexpected travel mishaps. Here are some key features of their plans:

• Student travel insurance: April Travel Protection understands the unique needs of student travelers and offers specialized coverage for students studying abroad.
• Pandemic-related travel changes: In light of the ongoing pandemic, April Travel Protection provides coverage for trip cancellations or interruptions due to COVID-19-related reasons.
• Customizable options: April Travel Protection allows you to tailor your insurance plan to your specific travel needs, ensuring you have the right coverage.
• Exceptional customer service: April Travel Protection is known for its excellent customer service, providing support and assistance throughout your travel journey.

With April Travel Protection, you can travel with confidence, knowing that you have reliable coverage and support.

Now, let’s explore the next insurance provider on our list: American Express Travel Insurance.

American Express Travel Insurance

Choose the perfect yearly travel insurance plan for frequent flyers with American Express Travel Insurance. American Express offers comprehensive coverage for all your travel needs, including family travel insurance and insurance for cruise travel. With American Express Travel Insurance, you can have peace of mind knowing that you are protected against unexpected incidents during your trips.

To help you understand the benefits of American Express Travel Insurance, here is a comparison table:

American Express Travel Insurance not only covers the essentials but also provides additional benefits to enhance your travel experience. With their reliable customer service and quick claims processing, you can travel with confidence, knowing that you are protected every step of the way.

InsureMyTrip

To ensure comprehensive coverage and peace of mind for frequent flyers, InsureMyTrip offers a range of yearly travel insurance plans tailored to meet your specific needs. With InsureMyTrip, you can enjoy the following benefits:

• Pre-existing condition coverage: InsureMyTrip understands that pre-existing medical conditions can be a concern for frequent travelers. Their plans provide coverage for these conditions, giving you peace of mind during your trips.
• Protection from travel-related risks: InsureMyTrip’s plans cover common travel risks and emergencies such as trip cancellation, trip interruption, baggage loss, and delay. You can travel with confidence knowing that you’re protected against unforeseen circumstances.
• Compliance with travel insurance regulatory bodies: InsureMyTrip works closely with travel insurance regulatory bodies to ensure that their plans meet industry standards. This means that you can trust the reliability and legitimacy of their coverage.
• Expert assistance and support: In addition to their comprehensive coverage, InsureMyTrip provides excellent customer service and support. Their team of experts is available to assist you throughout your travel insurance journey.

InsureMyTrip not only offers the coverage you need but also provides the peace of mind you deserve as a frequent flyer.

Frequently Asked Questions

Are there any age restrictions for purchasing yearly travel insurance plans for frequent flyers.

Yes, there may be age restrictions for purchasing yearly travel insurance plans for frequent flyers. It’s important to check with the specific insurance provider to determine if there are any limitations based on age.

Do Any of These Insurance Plans Offer Coverage for Adventure Sports Activities?

Yes, some of these insurance plans offer coverage for adventure sports activities. It’s important to review the specific policies to ensure they include the desired coverage for your adventurous endeavors.

Are Pre-Existing Medical Conditions Covered Under These Yearly Travel Insurance Plans?

Yes, pre-existing medical conditions are covered under these yearly travel insurance plans. Make sure to review the specific terms and conditions of each plan to ensure they meet your needs.

How Do These Insurance Plans Handle Trip Cancellations or Interruptions Due to the COVID-19 Pandemic?

If your trip gets canceled or interrupted due to COVID-19, these insurance plans provide coverage. You’ll be protected against financial losses, including prepaid expenses and additional accommodations. Check the specific terms and conditions of each plan for more details.

Are There Any Specific Requirements or Limitations for Coverage Related to Baggage Loss and Delay?

Specific requirements and limitations for coverage related to baggage loss and delay vary among insurance plans. It’s essential to review the policy’s terms and conditions to ensure you understand the coverage and any applicable deductibles or exclusions.

So, after exploring the top 15 yearly travel insurance plans for frequent flyers, you now have all the information you need to make an informed decision.

With comprehensive coverage, flexibility, and a focus on COVID-19 related disruptions, these plans are designed to meet the needs of today’s travelers.

But, as you envision your next adventure, ask yourself: Can you afford to travel without the peace of mind that comes with reliable travel insurance?

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Does Travel Insurance Cover Award Flights?

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

Table of Contents

Type 1: Insurance offered by the airline

Type 2: travel insurance provided by your card, type 3: comprehensive travel insurance, which travel insurance type should you choose for your award trip.

Purchasing travel insurance before going on a trip is a great way to protect yourself against unexpected medical bills or the loss of a nonrefundable deposit if an unplanned emergency derails your vacation plans.

But how much protection do you get if you booked your trip with miles or points? The short answer is yes, but with some caveats.

Award flight travel insurance coverage can be a bit murky, so its wise to read through the fine print of the travel insurance policies you're considering.

Here's our best advice on how to protect your award ticket so you can book your trip with confidence.

First, three things to note:

Airlines and hotels loosened change/cancellation fees in recent years.

Domestic and foreign airlines (that have U.S. websites and market to U.S. customers) are required by the U.S. Department of Transportation to offer a full refund as long as the trip is cancelled within 24 hours of booking . The information below is about canceled trips beyond this timeframe. Standard hotel award bookings come with varying, but far more flexible, cancellation policies that are usually in the range of one to three days before arrival (for a refund of points).

To be eligible for reimbursement, the cancellation must fall into the insurer’s list of covered reasons. Covered reasons generally include terrorist attacks, medical emergencies, death, inclement weather that results in a flight cancellation, natural disasters that make your home uninhabitable and other extenuating circumstances.

There are several different types of travel insurance options that provide coverage for trips booked with miles/points:

Insurance offered by the airline.

Travel insurance provided by your credit card.

Comprehensive travel insurance.

The coverage provided by each of these policies will vary, and it's important to know the difference.

» Learn more: How to find the best travel insurance

Generally, standalone trip insurance plans won't reimburse you for any miles you used to book a flight because insurers don't assign a value to the miles. The only way to get your miles back is to purchase the travel insurance add-on that is offered by the airline on the checkout page when booking your flight with miles.

For example, United offers a travel insurance option for $27 with Travel Guard to cover your award trip.

If the trip is cancelled for a covered reason, the miles will be deposited back into your United MileagePlus account and you will receive a reimbursement for taxes and deposit fees.

Award redeposit fees and taxes vary by airline. Because taxes are also dependent on the country of origin and destination, we didn't include this information. However, here is an infographic showing several domestic and international airlines along with their redeposit fees:

Note: The award redeposit fee charged by Qantas is charged in points, not dollars (and was excluded from our chart). The airline's current redeposit fee is 12,700 points.

These fees reflect the maximum amount that you would pay to cancel and redeposit an award ticket. If you have elite status or cancel far enough in advance, you may be eligible for a reduced fee or no fee at all.

However, if you are a no-show, the airline may tack on additional fees to your award redeposit fee. If you need to cancel an award ticket, try to do it as soon as possible to avoid extra charges.

» Learn more: Booking flights with points or miles expands refund options

Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer a variety of trip insurance benefits, including trip cancellation and interruption insurance. Because these cards earn points that can be transferred to airlines or used to book trips on travel portals, you get specific protections for trips paid with points.

When transferred to an airline/hotel partner

Chase Ultimate Rewards® points can be transferred to 14 partners (11 airlines, three hotels), while AmEx Membership Rewards includes 20 transfer partners (17 airlines, three hotels).

Once you transfer points to an airline or hotel, AmEx and Chase are removed from the equation. The miles or points are now with the airline or hotel and cannot be returned to AmEx or Chase in the event of a trip cancellation.

Similar to the United example, when you then book your award ticket, you can purchase the add-on travel insurance option at checkout so that you get your points back, directly from the airline, in the event of a cancellation.

If you don't purchase the add-on option and need to cancel your trip, Chase or AmEx will reimburse you for nonrefundable expenses and redeposit fees associated with the award ticket.

» Learn more: 9 credit cards that provide travel insurance

Chase trip cancellation and interruption coverage

The Chase Sapphire Reserve® , Chase Sapphire Preferred® Card , United Club℠ Infinite Card and the Ink Business Preferred® Credit Card provide trip cancellation, interruption and delay coverage for eligible travel expenses, which include nonrefundable prepaid amounts charged by a travel supplier (i.e., airline, hotel, car rental company, etc.).

Any trips booked using points through Chase's travel portal are also included.

» Learn more: What to know about Chase trip delay insurance

Trips booked through Chase Ultimate Rewards®

If you paid for your trip using Chase Ultimate Rewards® points , you will be reimbursed in an amount that is equal to the monetary value of the points as long as the dollar amount is listed on your Chase booking confirmation. You won't get the points back.

Because holders of the Chase Sapphire Reserve® receive 1.5 cents per point when booking travel through Chase's travel portal, verify that your booking confirmation includes the dollar equivalent of the 1.5-cent-per-point redemption. For example, if you have the Chase Sapphire Reserve® and you book a $750 United flight using 50,000 Chase Ultimate Rewards® points that you later need to cancel, you will be reimbursed $750 by Chase as long as the dollar and point values are shown on your booking confirmation.

The refund cashes out your points at 1.5 cents each, so if you value Chase points at more than that, you’re out of luck. If the dollar equivalent of the points isn't listed on your booking confirmation, you will be reimbursed 1 cent per point.

» Learn more: Your guide to Chase Sapphire Reserve's trip cancellation and travel insurance

AmEx trip cancellation and interruption coverage

Many premium American Express cards offer trip cancellation and interruption insurance, which also cover trips booked with Membership Rewards points. The following cards offer these protections:

The Platinum Card® from American Express .

The Business Platinum Card® from American Express .

Centurion® Card from American Express.

Business Centurion® Card from American Express.

The Corporate Centurion® Card from American Express.

The Platinum Card® from American Express for Ameriprise Financial.

The American Express Platinum Card® for Schwab.

The Platinum Card® from American Express for Goldman Sachs.

The Platinum Card® from American Express for Morgan Stanley.

Corporate Platinum Card®.

Delta SkyMiles® Reserve American Express Card .

Delta SkyMiles® Reserve Business American Express Card .

Hilton Honors American Express Aspire Card.

Marriott Bonvoy Brilliant™ American Express® Card.

Terms apply.

Trips booked through American Express Membership Rewards

Similar to Chase, American Express has the Membership Rewards travel booking site. With the exception of the The Business Platinum Card® from American Express , which has a redemption rate of 1.35 cents per point, the redemption rate on all other cards is 1 cent per point.

If you cancel travel booked through the Membership Rewards site, you will be reimbursed in cash (regardless of whether you paid with cash or points). To be eligible for coverage, the trip must include round-trip travel to a city that isn't the cardmember’s city of residence and cannot exceed 365 days away from home at the time of departure.

If you book a nonrefundable flight through the AmEx Travel portal , you can purchase Trip Cancel Guard as an add-on. Trip Cancel Guard will get you a reimbursement up to 75% on nonrefundable airfare costs — regardless of your reasons for canceling your trip — so long as you do so at least two days before departure.

» Learn more: Your guide to AmEx trip cancellation and travel insurance

If you don't have travel insurance through a premium travel credit card and/or you did not insure your award ticket on the airline’s website, consider a standalone travel insurance policy.

Although comprehensive travel insurance plans don't reimburse miles directly, they will reimburse you for any taxes you paid for the award ticket, mileage redeposit fees you pay to get your miles back, checked bag fees and upgrade fees.

In addition, these plans offer other protections including emergency medical coverage , emergency repatriation and evacuation, baggage loss, car rental coverage and much more.

Each travel insurance policy is different and the reimbursement limits vary by state, so review the fine print to find out what coverage is provided for canceled award tickets. If you’re not finding the information you need in the policy, call the insurer.

The answer depends on how you booked the trip.

If you have one of the premium travel credit cards mentioned above and cancel a trip booked with points through the American Express Membership Rewards or Chase Ultimate Rewards® travel portal, you will receive a cash reimbursement for the points.

If you use airline points to book your award travel and want to get your points back in the event of a cancellation, it makes sense to purchase the add-on travel insurance option that is offered by the airline on the checkout page. Those who would like to get a refund of airline miles (in addition to any taxes/redeposit fees) should strongly consider this add-on when booking the award ticket.

If you don’t have credit card-offered protection (or the coverage amounts aren't sufficient) and you don’t purchase the airline-offered add-on, your remaining option is a comprehensive travel insurance policy, which will often reimburse you for fees associated with getting your miles back (but always read the fine print). If you want additional protections as well, a comprehensive travel insurance policy is the way to go.

Using your hard-earned miles and points to travel can be a great experience. If you want to protect your award ticket in the event that a covered reason derails your vacation plans, consider purchasing travel insurance.

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.

Qantas Premier Credit Card

Who is the credit provider and issuer of Qantas Premier credit cards?

Why choose a Qantas Premier credit card?

How long does the application process take?

Can I transfer a balance from another credit card?

Who can apply for a Qantas Premier credit card?

Can I add an additional cardholder?

What’s the difference between the Qantas Premier Everyday, the Qantas Premier Platinum and the Qantas Premier Titanium card?

Can I have a Qantas Premier Platinum, Qantas Premier Titanium and Qantas Premier Everyday card?

How do I apply for a Qantas Premier credit card?

How do I remove an additional cardholder from my account?

How do I reduce the size of an image I need to upload?

Change my product

Can I still spend on my current credit card whilst my new one arrives?

Am I eligible for any sign up bonus Qantas Points when changing Qantas Premier credit cards?

What happens to any additional cardholders that are currently on my credit card?

How long will it take for a change of Qantas Premier credit card to be processed?

What will happen to any periodic payments I have set up on my card?

What will happen to the annual fees when my product change is approved?

What happens to the benefits on my card?

How can I change my Qantas Premier credit card account?

What happens to the statements from my old credit card?

Features and rewards

What travel insurance cover is included with my card?

What is ‘Get away interest free for 6 months’?

When will I receive my Lounge Invitations?

How many Qantas Premier Titanium flights discounts do I get a year?

Where can I use my Qantas Premier credit card?

Do bonus Status Credits expire?

How can I book a flight to earn bonus Status Credits?

How do I link my Lounge Invitations to a flight?

How many Qantas Points will I earn on purchases?

When will I receive my bonus Qantas Points?

What services are provided by the Qantas Premier Concierge?

How can I view the bonus Status Credits I’ve earned on my account?

Is there an interest-free period on my account?

What extended level of coverage does my Qantas Premier Titanium credit card provide?

If I cancel my booking, am I eligible for another Qantas Premier Titanium flight discount this year?

How do I make a travel insurance claim?

How can I use my Qantas Premier Titanium metal card for contactless payments?

What flights are eligible to earn bonus Status Credits?

Can I earn bonus Status Credits on Classic Reward bookings?

Which transactions will earn Qantas Points?

Can I use Points Plus Pay to book my flights and earn bonus Status Credits?

Do bonus Status Credits count towards Lifetime Membership tiers?

How long are my Lounge Invitations active for?

How do I claim any missing bonus Status Credits?

Can bonus Status Credit help me acquire or maintain Platinum One membership status?

How can I change my booking made using my Qantas Premier Titanium flight discount?

How do I order from Qantas Wine?

How do I sign up for my complimentary Qantas Wine Premium Membership from my Qantas Premier Titanium credit card?

How do I book discounted companion fares?

Can I book a multi-city flight using my Qantas Premier Titanium flight discount?

Where can I redeem my Lounge Invitations?

Can I share my Lounge Invitations with a person I’m travelling with?

How do I book a flight with my Qantas Premier Titanium flight discount?

My flight was cancelled, and I was moved to another flight, how do I claim my missing bonus Status Credits?

Complimentary Travel Insurance

Personal Baggage, Valuables, Money and Travel Documents

Trip cancellation and amendment, pre-existing medical conditions, other questions, eligibility for cover under the policy, overseas medical expenses.

Rates and fees

What interest rates apply?

What fees apply and when are they charged?

Balance Transfers

How can I get the most out of my Balance Transfer?

If I have Balance Transfers at different rates, which one does my credit card payments get applied to first?

What is a Balance Transfer?

What are the benefits of closing my other credit cards after a Balance Transfer?

How does a Balance Transfer work?

How does a Balance Transfer affect the interest charged on my account?

Managing your account

How do I report suspicious transactions?

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Cancelling a recurring payment

What is Apple Pay?

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If my device is formatted or jailbroken, will my Google Pay information remain on it?

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Can I continue to use my physical card if I disable Google Pay or remove my digital card from Google Pay?

If I switch devices, do I need to set up my card in Google Pay again?

How do I reverse or dispute a Google Pay transaction?

Will I continue to enjoy the same features and benefits of my Qantas Premier credit card, including points earn, when I use it for payment with Google Pay?

Do I need to have an active internet connection for Google Pay to work?

Does Google Wallet or Google Pay have access to my credit card account?

What happens if there are fraudulent transactions made using Google Pay?

What should I do if I lose my card, or my card expires and I'm issued a replacement card?

What happens if my device is lost or stolen?

Why was my request to add my card to Google Wallet declined?

Whom can I talk to for further help with Google Pay?

Which Qantas Premier credit cards can be used with Google Pay?

How do I set my Qantas Premier Card as the default card in Google Wallet?

Where can I use Google Pay?

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Are Google Wallet and Google Pay secure?

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What is a Statement Instalment Plan?

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Is there a fee to set up an instalment plan?

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Qantas Travel Money Card

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General information

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Apply and activate

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If I select to be verified against Illion (formerly Dun & Bradstreet) records will a credit check be conducted?

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Using overseas

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All Categories ​>​ ​Qantas Premier Credit Card ​ > ​ ​Complimentary Travel Insurance

The FAQs are a summary only; they are not an exhaustive list of the coverage, terms, conditions or exclusions in the policy. Limits apply and vary with each plan. Please refer to the Terms and Condit…

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• Reward types, points & expiry
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Which travel insurance policies covers miles and points bookings?

Most travel insurance policies explicitly exclude bookings made with frequent flyer miles and points, but there are a few exceptions.

KrisFlyer Spontaneous Escapes recently made their return after a two-year hiatus, with 30% off last-minute Singapore Airlines awards for travel in April and May 2022. 

Spontaneous Escapes are a great way of stretching your miles, but there’s one important catch: they’re strictly non-changeable and non-refundable. Singapore Airlines’ complimentary rebooking policy does not apply to Spontaneous Escapes awards, so once you book, you’re committing to fly. 

So what happens if you get hit by an untimely COVID infection or a health-risk notice that prevents you from taking the trip?

Normally, you’d turn to travel insurance for exigencies like this, but the vast majority of travel insurance policies do not cover bookings made with airline miles or hotel points. For example, here’s what AXA’s policy wording says: 

In addition to the General Exclusions (page 20) and “Exclusions applicable to all benefits under this Endorsement”, We will not pay any claims in respect of: … (b) loss of vouchers, reward points or holiday points that You have used, in part or full, to pay for Your trip;

This normally isn’t an issue, because airline and hotel awards are usually cancellable. But there are certain scenarios, like with Spontaneous Escapes, where you may not be able to get your miles or points back.

To guard against this, it’s highly advisable that you purchase a travel insurance policy covering frequent flyer miles/points, and that’s what we’ll look at in this post. 

Which travel insurance policies cover miles and points?

Here’s a few general pointers to note before we look at individual policies. 

First, it’s important to state that compensation can only be claimed if your miles/points are not recoverable . If it’s possible to pay a cancellation fee and get your miles back (e.g. regular Saver or Advantage awards on KrisFlyer), you cannot make a claim under your travel insurance policy. 

Second, your trip must have been cancelled/disrupted for a covered reason . Changing your mind is not valid grounds for a claim, unless you purchase Singlife’s travel insurance policy and make a claim under the “cancel for any reason” clause (which pays you 50% of the expenses incurred, capped at S$5,000 and once per period of insurance). 

Third, the general approach that insurers take when valuing miles and points is to look at the  retail value  of the flight ticket or hotel booking. That actually works out in your favour- I’d rather be reimbursed for the cash value of a Business Class ticket than at 1-2 cents per mile! 

Fourth, coverage for COVID-19 related trip cancellation may be lower than general trip cancellation. For example, Singlife’s policy offers up to S$20,000 of coverage for trip cancellation, but if COVID-19 is the reason, the coverage drops to S$2,000. 

I’ve found five policies that cover miles and points bookings, but three of them offer so little coverage that they’re practically irrelevant. For all intents and purposes, you’ll want to go with either Singlife or Chubb’s plans (though the latter doesn’t cover miles and points in the event of trip cancellation due to COVID-19). 

Singlife 

Special note about Singlife: Since trip cancellation coverage for COVID-19 is only 10% of general trip cancellation, you may prefer to invoke the “cancel for any reason” clause (available on the Plus and Prestige plans) which allows you to recoup 50% of the non-recoverable expenses, capped at S$5,000. 

Chubb Insurance

Tokio marine.

If you’re planning to book a KrisFlyer Spontaneous Escape award, you’ll definitely want to purchase travel insurance that provides coverage for miles and points. Your miles are as good as money, but not every travel insurer sees it the same way!

Award tickets aside, such policies can also be useful when making award night bookings at hotels with strict cancellation policies. For example, it’s not uncommon for resorts in the Maldives to impose three week cancellation policies on points bookings, and should you cancel within this window, your points will be forfeited. 

Do you know of any other travel insurance policies with miles and points coverage?

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Review: qantas lounge hong kong, review: intervals sky bar, hong kong airport, 42 comments.

That’s very informative.. I would have missed that coverage out if I did not see your article. Thanks

I second @Leo… Another fantastic topic to cover, Aaron! ??

It certainly made me dig up my AIG Policy wordings right away as I didn’t think of it either… Chubb’s (your example) wording are more favorable for the policy holder, but AIG’s does cover too (a good thing!)… but with AIG, I find the wording a bit not-so-clear… I’ll email a screenshot to you… can you be a champ and see if you can figure out what it mean, in the few scenarios you came up with?

Thanks in advance!

when i researched this post AIG, Aviva and Chubb were the only 3 policies that covered miles and points. let me know if you see anything else.

I hold Sompo travel insurance and all its plan categories cover miles and points. The exact wording is as below: Frequent Flyer Points: We will pay for loss of frequent flyer or similar travel points used by the Insured Person as a registered member to purchase an airline ticket following the Trip Cancellation or Postponement if the Insured Person is unable to recover the lost points from any other source. The payment for lost points will be calculated based on the following, whichever is the lower: 1. Cost of an equivalent class airline tickets based on the quoted retail price …  Read more »

Thanks for that, my insurance broker specifically recommended Sompo as well

I used to get Chubb for its higher coverage, then switched over to Sompo as it was generally cheaper with the promotions. However, I just did a comparison between Sompo and Chubb for an upcoming trip to Japan and found Chubb is slightly cheaper. Probably wise to check the price difference before buying – just my 1 cent worth of opinion 🙂

Annoyingly, Sompo doesn’t offer annual travel insurance when I was shopping around for one

So it seems lately that Chubb no longer covers miles and points. Not sure if you would be making an update to this blog post, but if you do, then it might be worth noting

Thanks for the heads up, Eugene!

I bought my Chubb insurance on 15 Feb and the wording policy still covers Loss of Frequent Flyer points. Is this a recent change?

@M.. Mine, from last Apr, is still ‘in force’ .. but had renewed ‘in advance’ for the laggauge giveaway.. but will not not go ahead with it..

From a quick check, Just Sompo and Aviva still cover award redemptions, with wording and benefits slightly different.. I’ll look into both and then decide..

I looked at AIG and they (as of today’s wordings) still exclude miles..

Quite sad.. but oh well…

quick question: where are you seeing this? i’m seeing them as still covered on the site

https://www.chubbtravelinsurance.com.sg/aceStatic/Doc/SG/Cti/PolicyWording.pdf https://amex.chubbtravelinsurance.com.sg/aceStatic/ACETravel/AMEXSGR/files/PolicyWording.pdf

https://www.chubbtravelinsurance.com.sg/aceStatic/Doc/SG/Cti/PolicyWording.pdf

Hey Aaron..

First link.. the greenish document..

Page 23 of 40.. What’s not covered.. Point #4..

ah, i see. it’s under lifestyle cover. but in any case i was talking about amex chubb travel insurance, not chubb per se. amex chubb still covers right?

Hmmm….. now THAT’S interesting… and gosh, I don’t know… odd tho, no..? that Chubb would word the two differently? Now I’m confused.. 😰

Was out and about earlier… Now that I’ve looked at both a bit more, it certainly looks like Chubb has two different products instead of what I though was ‘one-product-replacing-another’… It certainly looks like the Travel Insurance product that is marketed by Amex is as per what you were referring to in this post, and the one I’ve got.. 😊

So Aaron and team – you are getting closer on the travel insurance topic but I have yet to see you doing a comprehensive comparison of travel insurance that are either part of the credit card or independent 3 party options and it is thoroughly needed for us here in SG

Gosh you’re an idiot.. do you seriously believe you walk on water and the world owes you something?

Whau – did not think people would write like that on this forum.

“A little jab” is something between you and a friend.. maybe even you amongst other friends… I assume you have these… but not on a public forum where people are (mostly) sincerely trying to help… for the greater good… your “little jab” was like crispy chicken rendang.. and not just by me.. or are you also so thick you don’t see it… own it.. for being an idiot.. then move on..

Sune, your sense of entitlement is overwhelmingly astonishing. 🙂

Thank you, Aaron and team. You guys are doing an excellent job!

Sune, perhaps you can do up the comprehensive comparison that is thoroughly needed and then Aaron and team can comment on your work. Afterall, didn’t he start the community pages for people that have valuable insights to share but don’t have the ability to commit to be a regular writer?

actually, I did do something on this once upon a time but it’s quite outdated. https://milelion.com/2016/01/10/credit-card-travel-insurance-compared/ the problem with articles like this is that there are many different facets to compare and very subtle differences. eg one provider may cover $1,000 per 6 hours for a delayed flight, but define delay as >6 hours. another may cover $500 per 4 hours, but define delay as >4 hours. there’s no real standardized metric for some of these which makes a nice snappy comparison table difficult to put together. others may have different definitions of key terms. how do you factor that …  Read more »

Hi Aaron Thank you for reposting this one. Seems my little jab above got a lot of people rubbed the wrong way though which was unintended as you and the team always keep a joking tone and I had jabbed you a while back on same topic incl for suggested item for the big event you had recently. But water under the bridge and so on. This link is good in shedding light on the conondrum that getting right insurance and right coverage is not easy and that programs offered by credit cards are eye wash at best and guess …  Read more »

Hi, if i don’t have any of the above AMEX cards, then which card should I use for the purchase. If I recall correctly, a number of banks have explicit excluded insurance as an eligible transaction. I have DBSWWC (max out), UOB PPV, CITI Rewards, CITI Premiermiles etc. Please advise.

Ok, i got the answer to my own question, so i thought i will share. Can’t charge insurance to DBS/UOB cards – won’t get a single mile. Only way is to charge to Citibank where you will get 1.2miles/dollar or HSBC revolution card at 2 miles/dollar. Please correct me if I am wrong. I learn it the hard way. sigh!!

Hey Aaron thanks for doing this — I hadn’t realised that most policies don’t cover the loss of miles! On a related topic, if you have the time and inclination to do so, could you also research and write an article on coverage for missing connections on separate tickets? So far I’ve found only World Nomads would cover missed flights under separate PNRs, but there’s a hefty US$100 deductible.

Nice topic to post about. As with most policies in Singapore, does the insurance issued only cover bookings originating in Singapore? Will the insurance apply if I book a one-way return award and I encounter any of the covered conditions?

I have checked and confirmed with my agent that with AIG, the maximum they would compensate, if miles-redemption tickets, would be $500.. ?

So guess who’s going to drop AIG and will sign up Chubb??

Thanks, Aaron!! ??

When there’s a delay and the airline gives us a voucher for accommodation, can one still claim for the delay? Another point is that when they divert because of weather and one misses the connecting flight, they don’t give out written statements – so how does one prove the delay/missed connection? I was caught at Atlanta once and all the flights to SFO had left. We were all told to use the banks of phones they had set up and the staff on hand were surly and not helpful – as far as the airline was concerned it was a …  Read more »

Technically speaking, your insurance policy is suppose to cover you “in event..” and regardless of what said airline does/acts to compensate/mitigate the event… so you should be able to successfully claim, should you be able to prove “the event”… The one that I still don’t get.. given the number of nasty incidents in the past… is that airlines do not prepare better for “when the s**t hits the fan”.. I would imagine that this would not be too difficult to do/train/role-play..? I mean, it’s happened countless number of times, right? Videos are all over social media all over the world, …  Read more »

I can’t thank Aaron enough for the write up… Fortunately, I didn’t wind up holding on the the short end of a stick, but that’s what Insurance policies are for, right? and “the bad” could very well have happened and it could happen in the future… well… thanks for Aaron, it won’t be happening to me! ? Just to show that it could well have happened just last month, I made a trip to NZ on redemption SQ F with my elderly mum… and being elderly, of course, at any time, her health could’ve taken a turn for the less-than-good …  Read more »

[…] A reminder that tickets issued under the Spontaneous Escapes promotion are non-changeable and cannot be cancelled as well. This is unlike regular award tickets which at least allow you to refund your booking for a fee. Thus, your travel plans have to be very firm before taking advantage of this promotion (or you should buy a travel insurance policy that covers miles and points bookings). […]

[…] A reminder that tickets issued under the Spontaneous Escapes promotion are non-changeable and cannot be canceled as well. This is unlike regular award tickets which at least allow you to refund your booking and miles for a fee. Thus, your travel plans have to be very firm before taking advantage of this promotion (or you should buy a travel insurance policy that covers miles and points bookings). […]

Will you be reviewing the current complimentary travel insurance by AMEX Platinum card in current times?

Does Amex Platinum card insurance cover this?

What card to use for travel insurance?

Sompo was reviewed in the 2018 review but omitted in this review. Have they stopped providing cover for air miles?

https://milelion.com/2018/10/12/3-travel-insurance-options-that-cover-airline-miles-and-points/

Looks like it’s no longer covered. https://www.sompo.com.sg/docs/default-source/products-downloads/products/travelcovid19/travelcovid19.pdf

Chubb no longer covers $20k max for miles and points.. I think now just $500 max.. cheeky buggers!

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Complimentary insurances with your ANZ credit card

We often don't think about insurance until we actually need it. Whether you need it now or not, you may be eligible for some complimentary travel or shopping insurance with your ANZ credit card. Take a look and see!

What are you looking for?

• International travel insurance

Emergency and medical assistance

• Insurance booklets

How to make a claim

Important changes to complimentary insurances.

Complimentary insurances for ANZ credit cards have undergone some recent changes, which will take effect from 7 June 2024 . Please refer to your new policy booklets and our helpful FAQs for details.

See what complimentary insurances are available

Select your card category below to see what complimentary insurances you may be eligible for on your existing ANZ credit card.

• Platinum or Black cards
• ANZ First cards

For ANZ Platinum and Black credit cards:

The eligible ANZ Platinum and Black credit cards are as follows:

• ANZ Rewards Travel Adventures (no longer for sale)

Refer to the policy information booklet for terms, conditions, exclusion, limits, applicable sub-limits and eligibility criteria that apply. disclaimer

You could be eligible for these complimentary insurances disclaimer when you make eligible purchases using your eligible ANZ Platinum or Black credit card (see list below):

• International Travel Insurance disclaimer
• Domestic Travel Insurance disclaimer
• Rental Vehicle Excess In Australia Insurance disclaimer
• Purchase Protection Insurance disclaimer
• Extended Warranty Insurance disclaimer

See your insurance booklet

For ANZ First credit cards:

The eligible ANZ First credit cards are as follows:

• ANZ First Free Days Visa
• ANZ First Low Interest Visa (no longer for sale)

You could be eligible for these complimentary insurances disclaimer when you make eligible purchases using your eligible ANZ First credit card (see list below):

International Travel Insurance

You may be eligible for up to 6 months of complimentary international travel insurance with your ANZ Black or Platinum credit card. You'll need to meet the eligibility criteria set out in your  policy information booklet including, but not limited to:

• prepayment of, at least, $250 of your travel costs before leaving Australia
• travel costs need to be charged to an ANZ Black or Platinum credit card in your name. 

Before you travel overseas, read your  policy information booklet for full eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits. disclaimer  You can also check your eligibility and obtain a Letter of Eligibility  online or by phone below.

If your condition is life threatening, please call local emergency services.

Allianz Global Assistance are on call 24 hours a day, 7 days a week. Please contact us using the following contact details:

  1800 010 075   within Australia

+61 7 3305 7465  from overseas

Please note that calls from mobiles, public telephones or hotel rooms may attract additional charges.

Email or fax

Email  [email protected]

Fax  +61 7 3305 7005

Other overseas numbers

Find the number you need from our list below

Looking for all the fine print?

Please refer to the insurance booklet relevant to your ANZ credit card for the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the Group Insurance Policy.  

Platinum/Black Insurance booklet

First Insurance booklet

Please pick any of the following options to make a claim to the Allianz Global Assistance/ANZ Travel team:

Lodge your travel claim online or obtain a claim form for other complimentary covers.

  Claim online

24 hours a day, 7 days a week

1300 135 271

8am to 5pm AEST, Monday to Friday (except public holidays)

Email [email protected]

Post your completed claim form to Allianz Global Assistance, Locked Bag 3014, Toowong DC, QLD 4066

Your questions answered

What are the main changes.

A summary of the main changes (PDF) taking place in relation to the ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet are:

• Wording updates to definitions and clauses
• Changes to benefit limits
• Excess will increase from $350 to $500 where excess is applicable.
• Period of cover for Platinum cardholders will reduce from 6 consecutive months to 3 consecutive months.

For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please refer to the new ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet for more information.

A summary of the main changes (PDF) taking place in relation to the ANZ First Credit Card Complimentary Insurance Policy Information Booklet are:

For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please refer to the new ANZ First Credit Card Complimentary Insurance Policy Information Booklet for more information.

Why are the excess and benefit limits changing for International Travel Insurance?

ANZ and Allianz review the complimentary insurance offering from time to time and make adjustments in line with market conditions.

Why is the period of cover changing for International Travel Insurance for Platinum cardholders?

ANZ and Allianz review the complimentary insurance offering from time to time and make adjustments to reflect changing customer preferences and broader market conditions.

What happens to events occurring before 7 June 2024?

Where you want to make a claim for an insurable event that occurred before 7 June 2024 , the event will be covered under the terms of the policy in place at that time.

For ANZ Platinum and ANZ Black cardholders, if the insurable event occurred before 7 June 2024 , the ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet (PDF) dated 8 November 2023 will apply.

Terms, conditions, exclusions, limits, applicable sub-limits and eligibility criteria apply. Please refer the new ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet for more information.

For ANZ First Credit Card customers, if the insurable event occurred before 7 June 2024 , the ANZ First Credit Card Complimentary Insurance Policy Information Booklet (PDF) dated 8 November 2023 will apply.

Terms, conditions, exclusions, limits, applicable sub-limits and eligibility criteria apply. Please refer the new ANZ First Credit Card Complimentary Insurance Policy Information Booklet for more information.

If you have any questions about how the changes may apply to you, please contact Allianz Global Assistance on 1300 135 271 (within Australia) or by email to [email protected] .

Will this change effective from 7 June 2024 impact my current claim?

If you have any questions about an existing insurance claim or how the changes may apply to you, please contact Allianz Global Assistance on 1300 135 271 (within Australia) or by email to [email protected] .

Important information

Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631(trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the group policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth).  The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the  ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF) which may be amended from time to time. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs.  You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

Purchase Protection Insurance and Extended Warranty Insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a Group Policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit license 234527 which allows eligible ANZ account holders and cardholders to claim under the Group Policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria, terms, conditions, limits and exclusions of the Group Policy are set out in the  ANZ First Credit Card Complimentary Insurance booklet (PDF)  which may be amended from time to time. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objects, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

Travel Insurance You Can Trust.

Earn Velocity Points with Cover-More travel insurance

Earn Velocity Points when you cover your next trip with Cover-More travel insurance. As a member at every level of the Velocity Status program you can earn Bonus Points in addition to base Points earned 1 .

**  Cover-More Travel Insurance - Australia

Limits, exclusions and conditions apply. This is general advice only. Velocity Frequent Flyer Pty Ltd (ACN 601 408 824, AR 1239355) is an Authorised Representative of Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) who arranges the insurance on behalf of the insurer, Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Please consider your own needs, financial situation and objectives and read the Combined FSG/PDS before deciding to buy this insurance. For information on the Target Market and Target Market Determination for these products, contact us on 1300 135 769 Money back guarantee available when you cancel your policy within 21 days of purchase provided you have not made a claim or departed on your journey. Please allow up to 14 days from travel start date for Points to appear in your Velocity account. Points may not be allocated where the policy is cancelled or refunded.

Cover-More Travel Insurance - New Zealand

Limits, sub-limits, conditions and exclusions apply. Insurance administered by Cover-More (NZ) Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand. Consider the Policy Brochure and wording therein before deciding to buy this product. For further information see Zurich New Zealand’s financial strength rating. Money back guarantee available when you cancel your policy within 14 days of purchase provided you have not made a claim or departed on your journey. Please allow up to 14 days from travel start date for Points to appear in your Velocity account. Points may not be allocated where the policy is cancelled or refunded.

More From Forbes

How artificial intelligence is changing the way you buy travel insurance.

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Artificial intelligence is changing the way you buy travel insurance. Here's how.

Artificial intelligence is transforming the way you buy travel insurance. From shopping for a policy to filing a claim, there's no part that hasn't been touched by AI.

"AI is revolutionizing travel insurance," says Greg Jung, chief growth officer for Seven Corners . "It's making it more efficient and tailored to individual needs."

Words like "efficient" and "tailored" are rare in the one-size-fits-all, bureaucratic travel insurance industry. For years, consumers had limited choices. And when they filed a claim, it took close to forever to get an answer, much less get paid.

Not anymore.

Jung says AI is doing away with that. The benefits to travelers include:

• Personalized coverage. AI can analyze vast amounts of data on traveler profiles, including travel history, preferences, and even risk factors like age and health conditions. That allows insurers to recommend customized travel insurance plans that provide the right level of coverage for each individual's needs.
• Proactive risk management. AI can analyze data to predict potential disruptions or emergencies that could impact a traveler's trip. This allows insurers to offer assistance, such as medical advice or flight rebooking assistance, in case of unforeseen events.
• Faster claims processing. AI can automate much of the claims process, verifying documents, assessing damages, and expediting settlements. Travelers can be reimbursed for covered expenses much more quickly, especially for straightforward claims.

Behind the scenes, travel insurance companies are also using AI to conduct better risk management. And there are parts of the business where travel insurance companies won't talk about how they use AI, such as in efforts to sell policies on their sites. Travel insurance companies are also hush-hush about how they are analyzing data to set rates and identify patterns in fraudulent claims data.

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This story is a long time coming. Travel insurance companies have been generally slow to adopt AI. You can see artificial intelligence in action in a few places, but in the places that matter to you — such as finding the best policy — there are still some gaps. AI won't fix everything in travel insurance, but it promises to make many things better.

What took travel insurance so long?

Why has AI been slow to catch on in the travel insurance industry? Well, it has — and it hasn't. I wrote about how Allianz was using machine learning to improve its products five years ago .

But across the industry, change has been gradual.

"Travel Insurance is highly regulated," explains Tim Dodge, vice president of marketing at Arch RoamRight . "There are strict policy definitions, communications guidelines and adjudication rules to which we must adhere. For AI to be successful in our industry, it has to be implemented carefully; improving the customer experience while maintaining regulatory compliance."

If you file a travel insurance claim and get frustrated with the time it takes to be settled, it's because of the way travel insurance is set up. There's a lot of required documentation to review in support of the claim.

Dodge says AI can potentially facilitate and speed up the claims handling process and reduce claimants' frustrations, and that's what travel insurance companies are now doing.

Where can you see AI in action right now in travel insurance?

Travel insurance companies are not waiting for the future.

Arch RoamRight’s AI chatbot has been integrated into every aspect of its customer experience, from its phone system to its website and travel agent portal. It's even used as a training tool for new hires, according to Dodge.

At Generali Global Assistance , a carefully trained chatbot helps customers obtain instant assistance, receive accurate information, and navigate policy complexities. "This digitalization empowers our agents to provide personalized support promptly," says Christopher Carnicelli, CEO of Generali Global Assistance.

Allianz Travel Insurance has been using AI to help streamline its claims process for years. It just added a new chatbot for customer support, too. "Our chatbot supports the customer during filing in the event the customer has questions or needs further assistance, and uses AI to qualify the customer’s needs to quickly get them the help they need,” explains Maggie Butler, director of customer experience at Allianz Partners USA.

At Faye Travel Insurance , an AI-powered app helps customers file claims for flight cancellations, baggage delays, and medical emergencies. The app speeds up the claims process, ensuring travelers get paid in hours instead of days. "It's part of our commitment to making travel insurance an integral and personalized part of each traveler’s experience," says Elad Schaffer, Faye's CEO.

Over time, the entire travel insurance industry will embrace AI. But there are exceptions.

Can artificial intelligence help you find the best travel insurance?

AI might help you find a better policy, but you have to know where to look. I tested the major AIs to see how they responded to a sample query, "I'm a 28-year-old woman who lives in New York. I am planning a one-week trip to Paris this summer. Please help me find the best travel insurance."

• Gemini offered two options — Generali and Travel Insured International, but did not show rates or a bookable link. The responses appeared to be based on a news article.
• Meta AI generated a succinct response citing the benefits of travel insurance with key coverage areas.
• Microsoft Copilot showed a generic "how-to" story about travel insurance based on an article I had written for Forbes.
• Hugging Face gave a generic response with advice on how to buy travel insurance.
• Perplexity offered several specific options, including Seven Corners, Nationwide and Travelex. However, it based its quotes on a story on a news site and did not offer a link to buy the policies.

Bottom line: You can't really shop for travel insurance using AI — at least, not yet.

AI doesn't work for everything in travel insurance

In the travel insurance industry, like in other places, artificial intelligence isn't the answer to everything.

For example, at INF Visitor Care , a company that sells travel insurance to those traveling to the U.S., AI is helping automate its claims system. INF applies machine learning to identify emerging trends in claims to design policies that cover customers when they need it for unexpected issues.

"It has revolutionized the way we think about pricing and policy coverages," says PK Rao, CEO of INF Visitor Care .

But when it comes to customer service, AI is not always the best solution.

"We find customers enjoy talking to a live person on chat and phone," adds Rao.

The future of travel insurance and AI is promising

Over the long term, AI promises to reshape the travel insurance business into one that works the way customers expect it to — quickly, nimbly and efficiently.

At least that's what Daniel Green, chief technology officer for Faye Travel Insurance , sees.

"Imagine a world where most insurance claims are processed in hours instead of days," he says. "A computer system can go out and collect all the documentation for you and prepare the paperwork perfectly, ready for a human to make a quick decision on whether to approve it or not."

AI also has the potential to insure you for only what you need — to give you the "perfect" policy.

"AI can prepare it in seconds based on being able to tell a computer in your own words what coverage you need, by having it translated into insurance paperwork-speak for you," he adds.

We aren't quite there yet, but we're getting close.

There's one more thing that is potentially keeping AI from changing travel insurance — and that is customers themselves.

Breanne Armstrong, who is director of insurance intelligence at J.D. Power, says most consumers understand that artificial intelligence and machine learning have a lot of potential, "but there is hesitancy."

Armstrong bases her observation on another study that J.D. Power recently conducted on banking customers and AI. Only 28% of respondents said they believe AI will make their lives better in the next three years. Roughly one-third say it will make no difference, and 17% say it will make their lives worse.

All you have to do is engage with any chatbot to understand those 17% of respondents. Talking to an AI about banking or travel insurance — or anything else, really — can quickly end in frustration.

"There are mixed sentiments," adds Armstrong.

That may well describe how people feel about travel insurance and AI. It could be great. But if it isn't implemented carefully, it could be not so great.

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