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Costco Travel Insurance Review

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When something goes wrong on your trip, having travel insurance protects you personally and covers eligible travel expenses.

Many travelers rely on credit card travel protections, but those benefits generally have lower limits and only cover reservations made with that card.

If you’re considering buying Costco travel insurance, here’s what you need to know, including what it covers, how much it costs and which plan is right for you.

» Learn more: What to know before buying travel insurance

What does Costco travel insurance cover?

Members tend to love Costco and often look to see if it offers products and services before looking elsewhere.

When planning a trip, members might ask, "Does Costco sell travel insurance?" so they can protect their vacation. Costco offers several different types of travel insurance coverage based on the type of trip you are taking.

Insurance policies are offered by Cover-More Inc., a company of Zurich. To simplify coverage and premiums, Costco only offers one insurance option for each type of vacation.

International vacation packages

For vacation packages outside of the U.S., Costco members can choose an international travel policy. These policies generally offer the highest coverage limits and are designed for trips to all eligible countries around the world.

Domestic vacation packages

Travelers staying within the U.S. can get a travel insurance policy from Costco to cover their trip. Coverage limits are substantial enough to cover most domestic travel needs.

Whether your cruise is within the U.S. or visiting destinations abroad, cruise travel insurance protects you and your finances. A cruise insurance policy from Costco Travel covers all of your trip, not just the actual cruise.

Rental cars

Instead of buying expensive travel insurance from a rental car company, Costco trip insurance offers coverage to protect your rental car. It covers damage to the rental vehicle and post-departure trip interruption benefits. Rental car protection covers up to the actual cash value of the car. Additionally, it covers rental charges imposed while the car is being repaired.

This coverage is primary, which means that your personal auto insurance is not involved if there are any claims. However, it does not cover injuries or damage to other property.

Howver, many travel credit cards include similar coverage and benefits — so you might already have travel insurance on a card in your wallet.

You should consider skipping Costco Travel Insurance coverage if you have a credit card that includes complimentary rental car protection, such as the Chase Sapphire Preferred® Card .

This card includes primary coverage for physical damage to or theft of a covered rental vehicle.

» Learn more: How rental car insurance works on your credit card

Upgrade options

When buying your policy, there are two upgrade options to increase your benefits.

Cancel For Any Reason: When you cancel at least three days before departure, you’ll receive up to 50% of your insured trip cost (maximum trip cost of $10,000).

Rental Car Damage Upgrade: Protect your rental car against collision damage, vandalism, windstorm, hail, fire or flood. Coverage is up to $50,000.

Comparison of Costco travel insurance plans

This chart highlights the coverage limits and benefits you’ll receive from the different Costco travel insurance plans.

How much does Costco travel insurance cost?

The price for travel insurance policies varies based on your destination, trip length, where you live and how much you spend per person. To lower your insurance premium, only include the prepaid, nonrefundable portion of your trip.

In this chart, you’ll find sample quotes for different types of trips. The scenarios vary by destination, length of trip and cost to highlight how premiums can change.

* Quoted rates as of July 2023.

When pricing out vacation package travel insurance, the primary factor in determining the premium is the covered amount. In these scenarios, a domestic trip offered a 10% discount compared to an international trip with the same trip cost. The length of the trip did not affect premiums, except when buying rental car coverage.

» Learn more: The best travel credit cards right now

Which Costco travel insurance plan is best for me?

Since Costco travel insurance doesn’t offer different levels of coverage, the best policy for you depends on what type of vacation you’re planning. Travel insurance from Costco has one level of benefits and coverage limits for all members.

What isn’t covered by Costco travel insurance?

Travel insurance offers numerous protections that cover you, your travel companions and your nonrefundable, prepaid reservations. Before buying your policy, it’s important to understand what isn’t covered.

Pre-existing conditions. Injuries and illnesses that travelers already had before buying their policies are generally excluded from travel insurance. You may be eligible for a waiver of this exclusion, depending on your policy and travel details, as long as you buy coverage within 21 days of your initial trip payment.

Refundable reservations. Reservations that you can cancel and get a refund for are not covered. Simply contact the airline, hotel or other travel provider and cancel directly with them.

High-risk activities. Activities that take an unreasonable amount of risk of injury or death, like bungee jumping or parachuting, are excluded.

Intentional acts. Injuries, illness or losses resulting from self-inflicted actions, like drug use, intoxication or self-harm, are not covered.

Specifically designated events. Natural disasters, war, epidemics and similar events are excluded.

Is Costco travel insurance worth it?

While many travelers rely on their credit card travel insurance benefits, buying a separate travel insurance policy can be worth it.

Costco travel insurance offers higher coverage limits than what’s available through your credit card. The policies are reasonably priced, and you can easily get a free quote online in minutes.

If you’re ready to purchase, you can buy your policy online without speaking to an agent.

Costco is known for selling a variety of products and services at discounted prices. Like many of its services, Costco travel insurance is also sold through an established partner. Cover-More, a division of Zurich North America, issues all policies and is backed by Zurich Insurance Group, which has an A+ rating by A.M. Best and AA- rating from Standard and Poor’s.

Yes, travel insurance is available to all Costco members for any of your vacations. It is available whether you booked through Costco, directly with airlines or hotels, with a travel agent or through an online travel agency. Costco members receive preferred rates on Zurich products and services.

Yes, you can buy travel insurance from Costco online. Visit the Costco Travel website , then select the type of policy you want to buy. Enter basic trip details, including your destination, travel dates, your state of residence and how much you’re spending per traveler, to receive a quote. Select your policy and complete your payment to buy your insurance.

Yes, you can buy travel insurance from Costco online. Visit the

Costco Travel website

, then select the type of policy you want to buy. Enter basic trip details, including your destination, travel dates, your state of residence and how much you’re spending per traveler, to receive a quote. Select your policy and complete your payment to buy your 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.

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Travel insurance

Travel Insurance

With Relax Assistance you enjoy comprehensive protection on trips in Switzerland and abroad: For a sense of security on your travels.

Choose your individual insurance

There for you at all times.

In an emergency during your trip Zurich, for example, pays rescue and return travel costs.

Europe-wide roadside assistance

The optional breakdown assistance is valid for motor vehicles (up to 3,500 kg total weight) as well as bicycles, mopeds and e-bikes in Europe.

Cancel free of charge

You do not need to conclude an additional cancellation cost insurance for your vacation: It is included as part of your coverage and applies to all trips you take during the duration of the policy.

Your customized travel insurance

Cancellation charges

Zurich assumes the cancellation charges if you cannot set out on your journey, for example because of health reasons.

Travel protection

Travel protection covers incidents while traveling, which necessitate a premature return home or an extended stay.

Roadside assistance

Fast assistance on the spot and quickly mobile once again with a replacement vehicle – thanks to roadside assistance.

More details

Global travel insurance.

• In the event of a serious illness or accident, we will organize and pay the costs of your return journey
• Zurich also pays the costs, for example, of search, rescue and transport (max. CHF 30,000)
• Additional costs up to CHF 1,000 arising from an insured event for transport, accommodation and food/drink are insured
• If the means of transport you selected is unavailable because the operator is insolvent, extra travel costs of up to CHF 3,000 per person are insured
• Pandemic cover including premature return due to quarantine in Switzerland

Replacement trip

• We pay the costs for travel arrangements booked and paid for before you departed: up to CHF 30,000 per person and CHF 120,000 for all persons living in the same household

International travel legal protection (ORION)

• Your claims are asserted and your legal interests represented in the event of traffic accidents and theft abroad
• This protection is also valid for pedestrians, cyclists and motorbike riders or passengers (on land, on water and in the air) who have an accident
• We support you during legal proceedings relating to violations of traffic regulations (fines are not insured)
• Travel legal protection insurance covers costs up to CHF 500,000 in Europe and up to CHF 100,000 in the rest of the world
• Legal expenses services are provided by our experienced partner Orion Rechtsschutz-Versicherung AG (Orion)

Cancellation costs

• If you or someone close to you, such as a family member, partner or close relative, has a serious accident or becomes very sick before a trip, we pay cancellation costs in accordance with contractual terms and statutory law
• If you are unable to travel because the transport company has gone bankrupt, we will cover the costs for the trip you originally booked
• Applies to vacation arrangements, foreign language and holiday course stays, air, rail and sea travel and to rentals of holiday apartments, boats, cars and campers/caravans
• If your dog or cat has an accident or falls ill and cannot be taken to a boarding kennel, Zurich assumes cancellation costs
• Ticket costs for concerts, theater performances and other events with ticket prices of CHF 100 or more are also insured
• Zurich pays costs up to CHF 30,000 per person, per incident (max. CHF 120,000 for all persons living in the household)
• Professional training courses of several days' duration with booked accommodation are also covered, up to a total of CHF 5,000.
• Pandemic cover, including quarantine at your destination and in Switzerland

Breakdown assistance

Breakdown assistance «Basic» including replacement vehicle: protects you in Switzerland and Europe if your car is no longer roadworthy, e.g. after a breakdown or a collision.

Roadside assistance for bicycles, mopeds and e-bikes is also covered.

Luggage: Zurich covers the costs in the event of a delay and compensates this in the event of damage or loss.

Will travel insurance cover the costs in the event of a grounding? (airline bankruptcy?)

Yes, for insurance policies concluded following the issue of the latest version of the GCI in June 2019.

Do I have to take out travel insurance before booking a trip or can can I also do this afterward to insure the trip is covered?

You can also take out travel insurance after you have booked your trip and are insured if the insured event has not begun before the conclusion of the contract.

Should I need to cancel a trip for business reasons, will the insurance cover the costs?

- an insured person's contract of employment is terminated unexpectedly by the employer (culpable termination is not insured); - an insured person, who is registered with the regional employment office (RAV) as unemployed after booking a travel arrangements becomes unable to commence travel due to new unforeseen needs to comply with commitments and obligations set forth by the RAV office, or in cases where the insured person accepts a new contract of employment and as direct consequence is unable to commence the previously booked travel;

What does the luggage insurance cover?

The insurance covers luggage which the insured person has with them for personal and private use on a journey or which has been handed over to a transportation company for transport to the travel destination, up to the sum insured listed in the policy.

Damage to luggage

The insurance covers damage to luggage as a result of theft or sudden, unforeseeable damage, destruction or loss. Parachutes, paragliders, hang gliders and kitesurfing equipment are only insured against theft or loss.

Delayed luggage

The insurance covers the costs for absolutely essential acquisitions of replacement items up to 30% of the sum insured, if the luggage handed over to a carrier for transportation is delayed.

Does the travel insurance apply in the event of a terror attack?

Yes, whereby the prerequisite is that no warning has been issued before travel by the FDFA or FOPH.

Does the travel insurance apply to concert or other event tickets abroad?

Yes, insofar as this pertains toattendance of one-time events like concerts or theater performances (courses excluded) with a ticket price per person of CHF 100 or more (even without a booked travel arrangement).

When is a person considered seriously ill (in accordance with the GCI)? Am I always obliged to produce a doctor's certificate?

An insured person is considered seriously ill when such is stated in a doctor's certificate, which must be available for inspection in all cases.

Does travel insurance include the costs of repatriation in the event of illness or death?

Yes, repatriation in the event of serious illness or accident on the part of the insured person to their fixed residence in Switzerland or the Principality of Liechtenstein and/or the respective local hospital is covered.

Furthermore, the costs for the burial and transportation of the body of the insured to their residence in Switzerland or the Principality of Liechtenstein are likewise covered.

Can the insurance also be purchased for a single trip?

No, this is an annual policy, which as a rule is priced more favorably than if you were to take out insurance for each trip individually. Plus: the insurance coverage of our annual insurance policy naturally applies to weekend excursions too.

If a trip must be canceled as a result of a natural disaster (such as flooding, volcanic eruption etc.), will the insurance cover the costs?

Yes, for acts of God (sudden natural disasters including floods, inundation, storms [= winds in excess of 75 km/h], hail, avalanches, snow pressure, landslides, rock fall or earthquakes) as with other natural disasters.

Is my breakdown assistance cover also valid while traveling abroad?

The insurance applies to occurrences of loss within Switzerland and the Principality of Liechtenstein, European countries as well as countries bordering the Mediterranean and the island states of the Mediterranean. For transport across the sea the insurance coverage will continue uninterrupted, providing the point of departure and destination are within the region of validity.

However, the insurance does not apply in the following countries: Belarus, Moldavia, the Ukraine, the Russian Federation, Georgia, Armenia, Azerbaijan Kazakhstan, Egypt, Algeria, Lebanon, Libya and Syria.

Occurrences of loss or damage pertaining to rental vehicles are not covered.

Great protection when traveling with our insurance solutions

Cancellation Insurance

If you have to cancel your trip: Cancellation Insurance ensures that you are refunded the costs of your trip if you are unable to travel.

24/7 Roadside assistance

Keep rolling with your car, motorbike or moped at home and abroad. Roadside insurance with recovery service.

Insurance for rental cars and carsharing

Avec les véhicules de location ou de car sharing, les accidents peuvent vite devenir coûteux, notamment en raison de la franchise élevée. L’assurance «Véhicules de location et de car sharing» vous permet de rouler l’esprit tranquille.

Everything worth knowing about travel

Carefree holidays anywhere in the world

The right insurance on sabbatical

Traveling with children

Relax thanks to the Zurich Help Point

Going on a trip? Here are the best tips

Zurich Travel Insurance

by fatberry.com | Jul 26, 2023 | Travel Insurance

Photo: Zurich Malaysia

Every year, many people are eager to embark on a journey that will extend their horizons and provide them with priceless memories. Whether travelling alone or with family and friends, the joy that comes from seeing the world’s many breathtaking sights is incomparable.

However, the unexpected can occur before, during, or after your vacation, which can damper your excitement. Natural disasters, airline cancellations, and loss of things can all create undue worry and even financial loss. We will safeguard you every step of the way with Zurich Travel Insurance so that you may experience ongoing peace of mind.

What is Zurich Travel Insurance?

Zurich Travel Insurance provides support in all kinds of situations when it comes to travel, all around the world.

It provides travel insurance, medical insurance, and assistance. If you lose your luggage or your flight is delayed or cancelled, Zurich travel insurance provides property and financial loss protection.

Furthermore, if you’re unsure whether your health insurance covers an accident or illness when travelling away from home, medical protection covers accident-related medical bills as well as critical illness.

Moreover, if you want emergency assistance in a foreign nation where you do not speak the language, or if you require aid in arranging transportation to the nearest acceptable medical facility and speaking with a doctor, you can look into Zurich travel insurance’s emergency medical support package.

How Many Types of Zurich Travel Insurance Does Zurich Malaysia Offer?

There are two types of Zurich Travel Insurance offered:

Z-Travel Insurance (Domestic)

Z-travel insurance (international).

If you’re up for some Cuti-Cuti Malaysia, Zurich Travel Insurance (Domestic) is a comprehensive coverage designed to protect you when travelling within Malaysia. You’ll be adequately covered from the time you leave home until you return, with a variety of benefits that suit practically any travel scenario.

What Benefits Does Z-Travel Insurance (Domestic) Covers?

• Personal Accident Coverage
• Optional High Medical Coverage
• Covid-19 Add-On
• 24-Hour Emergency Medical Assistance Benefits
• Coverage for Travel Inconvenience

Is There A Range of Products I Can Choose From The Z-Travel Insurance (Domestic)?

You can select from an array of insurance plans to fit your travel needs and budget. Zurich’s online product, Z-Travel Insurance (Domestic) Lite, has been simplified to provide a smooth checkout.

If you want a more comprehensive plan, you can get Z-Travel Insurance (Domestic) via a Zurich authorised agency or their direct branch. If you require any extra information, the Fatberry friendly team is more than happy to assist you!

Who is Eligible for Z-Travel Insurance (Domestic) Plan?

Whether you’re a first-time traveller or a seasoned global explorer, Zurich created this comprehensive policy to protect you when travelling abroad. With 24-hour coverage and a variety of benefits to cover practically every travel situation, you’ll be properly protected every step of the way, from the minute you leave home until you return.

What Benefits Does Z-Travel Insurance (International) Covers?

• Protection for Amateur Sports
• Protection for Amateur Sports Including Scuba Diving, Winter Sports, Bungee Jumping & More
• High Medical Coverage
• Home Care Benefits
• Rental Car Excess
• 24/7 Worldwide
• Zurich Travel Assistance
• Travel Inconvenience Coverage
• Optional Covid-19 Add-On

Is There A Range of Products I Can Choose From The Z-Travel Insurance (International)?

You can select from a variety of coverage options to fit your travel needs and budget. Zurich’s online product, Z-Travel Insurance (International) Lite, has been simplified to allow for a seamless checkout.

If you want a more comprehensive plan, you can get Z-Travel Insurance (International) from Zurich authorised agents or our direct branch. If you require any extra information, the Fatberry friendly team is more than happy to assist you!

Which Countries Does This Plan Cover?

The countries covered by this plan are divided into three areas:

• Area 1: Australia, Bangladesh, Bhutan, Brunei, Cambodia, China [excluding Tibet & Mongolia (Inner & Outer)], Hong Kong, India, Indonesia, Japan, Korea, Laos, Macau, Maldives, Myanmar, New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand, Vietnam.
• Area 2: Worldwide excluding Canada, Mongolia (Inner & Outer), Nepal, Tibet and USA.
• Area 3: Worldwide.

Who is Eligible for Z-Travel Insurance (International) Plan?

Where can i get more information.

You can send an enquiry to a Zurich Insurance Agent here or contact Zurich call centre at 1300-888-622!

How Can I Purchase Zurich Travel Insurance?

Fatberry now offers Zurich Travel Insurance online! Everything is literally at your fingertips! All you have to do is check out our website and place your order! There is no need for queues or evidence in person. Follow these instructions to purchase it:

1. Request a Quote 2. Compare prices and get the best deal. 3. Get covered 4. Pay and get insured

Click here to request the best quotes!

___________________________________________________________________________________________________

Fatberry is a comprehensive platform with a wide range of travel insurance in Malaysia where you can buy your preferred travel insurance online instantly. You can choose from the available insurance brands and select the plans that suit your needs as well as requirements.

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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 .

Key benefits of travel medical insurance

• Travel medical insurance coverage
• Who needs medical travel insurance?

Choosing the right travel medical insurance

How to use travel medical insurance, is travel medical insurance right for your next trip, travel medical insurance: essential coverage for health and safety abroad.

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

• Travel medical insurance covers unexpected emergency medical expenses while traveling.
• Travelers off to foreign countries or remote areas should strongly consider travel medical insurance.
• If you have to use your travel medical insurance, keep all documents related to your treatment.

Of all the delights associated with travel to far-flung locales, getting sick or injured while away from home is low on the savvy traveler's list. Beyond gut-wrenching anxiety, seeking medical treatment in a foreign country can be exceedingly inconvenient and expensive.

The peace of mind that comes with travel insurance for the many things that could ail you while abroad is priceless. As options for travel-related insurance abound, it's essential to research, read the fine print, and act according to the specifics of your itinerary, pocketbook, and other needs.

Travel insurance reimburses you for any unexpected medical expenses incurred while traveling. On domestic trips, travel medical insurance usually take a backseat to your health insurance. However, when traveling to a foreign country, where your primary health insurance can't cover you, travel medical insurance takes the wheel. This can be especially helpful in countries with high medical care costs, such as Scandinavian countries.

Emergency medical evacuation insurance

Another benefit that often comes with travel medical insurance, emergency medical evacuation insurance covers you for any costs to transport you to an adequately equipped medical center. Emergency medical evacuation insurance is often paired with repatriation insurance, which covers costs associated with returning your remains to your home country if the worst happens. 

These benefits are for worst-case scenarios, but they might be more necessary depending on the type of trips you take. Emergency medical evacuation insurance is helpful if you're planning on traveling to a remote location or if you're traveling on a cruise as sea to land evacuations can be costly. Some of the best travel insurance companies also offer non-medical evacuations as part of an adventure sports insurance package.

It's also worth mentioning that emergency medical evacuation insurance is required for international students studying in the US on a J Visa. 

Types of coverage offered by travel medical insurance

The exact terms of your coverage will vary depending on your insurer, but you can expect most travel medical insurance policies to offer the following coverages.

• Hospital room and board
• Inpatient/outpatient hospital services
• Prescription Drugs
• COVID-19 treatment
• Emergency room services
• Urgent care visits
• Local ambulance
• Acute onset of pre-existing conditions
• Dental coverage (accident/sudden relief of pain)
• Medical care due to terrorist attack
• Emergency medical evacuation 
• Repatriation of mortal remains
• Accidental death and dismemberment

Travel medical insurance and pre-existing conditions

Many travel insurance providers will cover pre-existing conditions as long as certain conditions are met. For one, travelers need to purchase their travel insurance within a certain time frame from when they placed a deposit on their trip, usually two to three weeks. 

Additionally, travel insurance companies usually only cover stable medical conditions, which are conditions that don't need additional medical treatment, diagnosis, or medications.

Who needs travel medical insurance?

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Even if well-managed, preexisting conditions like diabetes or asthma can make a medical backup plan even more vital.

Having what you need to refill prescriptions or get other care if you get stuck somewhere other than home could be essential to your health and well-being. That's without counting all the accidents and illnesses that can hit us when away from home.

Individuals traveling for extended periods (more than six months) or engaging in high-risk activities (think scuba diving or parasailing) should also consider a solid medical travel plan. Both scenarios increase the likelihood that medical attention, whether routine or emergency, could be needed.

In the case of travel via the friendly seas, it's also worth considering cruise trip medical travel insurance . Routine care will be available onboard. But anything beyond that will require transportation to the nearest land mass (and could quickly become extremely expensive, especially if you're in another country).

Like other types of insurance, medical travel insurance rates are calculated based on various factors. Failing to disclose a preexisting health condition could result in a lapse of coverage right when you need it, as insurers can cancel your policy if you withhold material information. So honesty is always the best policy.

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Making the right choice when shopping for travel medical insurance can mean the difference between a minor hiccup in your travels and a financial nightmare. 

When a travel insurance company comes up with a quote for your policy, they take a few factors into consideration, such as your age, your destination, and the duration of your trip. You should do the same when assessing a travel insurance company. 

For example, older travelers who are more susceptible to injury may benefit from travel medical insurance (though your premiums will be higher). If you're traveling for extended periods throughout one calendar year, you should look into an annual travel medical insurance plan . If you're engaging in high-risk activities (think scuba diving or parasailing), you should seek a plan that includes coverage for injuries sustained in adventure sports.

Travel medical insurance isn't just for peace of mind. If you travel often enough, there's a good chance you'll eventually experience an incident where medical treatment is necessary.

Before you submit your claim, you should take some time to understand your policy. Your travel medical insurance is either primary (you can submit claims directly to your travel medical insurance provider) or secondary (you must first submit claims to your primary insurance provider). In the case of secondary travel medical insurance, a refusal notice from your primary insurance provider, even if it does not cover medical claims outside the US, is often required as evidence of protocol.

On that note, you should be sure to document every step of your medical treatment. You should keep any receipts for filled prescriptions, hospital bills, and anything else documenting your medical emergency.

As many people have found out the hard way, reading the fine print is vital. Most travel insurance policies will reimburse your prepaid, nonrefundable expenses if you fall ill with a severe condition, including illnesses like COVID-19. 

Still on the fence about whether or not medical travel insurance is worth it ? It's worth noting that many travel insurance plans also include medical protections, so you can also protect against trip cancellations and other unexpected developments while obtaining travel medical insurance.

While short, domestic trips may not warrant travel medical insurance, it may be a good idea to insure longer, international trips. You should also consider travel medical insurance for trips to remote areas, where a medical evacuation may be expensive, and more physically tasking trips.

While shopping for travel medical insurance may not be fun, a little advance leg work can let you relax on your trip and give you peace of mind. After all, that is the point of a vacation. 

Medical travel insurance frequently asked questions

Trip insurance covers any unexpected financial losses while traveling, such as the cost of replacing lost luggage, trip interruptions, and unexpected medical expenses. Travel medical insurance just covers those medical expenses without the trip interruption or cancellation insurance.

Travel insurance companies usually offer adventure sports as add-on coverage or a separate plan entirely. You'll likely pay more for a policy with adventure sports coverage. 

Many travel medical insurance policies now include coverage for COVID-19 related medical expenses and treat it like any other illness. However, you should double-check your policy to ensure that is the case.

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

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

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We've bundled up the Essentials

There are certain things that really should be covered when you go away, so we've grouped them into our Essentials plan to make it easier for you.

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Emergency Medical Expense ($500K)

Emergency Evacuation and Repatriation ($1M)

Emergency Dental Expense ($1K)

Accidental Death ($50K)

Trip Interruption (150% of Trip Cost)

Baggage (Total $2,500/Per Item $500)

Baggage Delay ($250)

24/7 Emergency Assistance Specialists

In-App Travel Safety Alerts

In-App COVID-19 Updates

~ Price based for a $500 trip for a California resident - additional coverage costs more

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Should you get travel insurance for domestic trips?

A lot goes into planning a trip. From time spent creating the perfect itinerary to money spent on travel and lodging, you have a lot invested in everything going smoothly. But life doesn't always follow your plans. Should the unexpected happen, the last thing you need to add to your stress is worry over how you'll afford to make things right.

Travel insurance can cover you in a host of situations, from flight delays to lost luggage, potentially saving you thousands of dollars . But many people don't opt for it, especially if they're not planning on leaving the country. This can be a pricey mistake.

The notion that you don't need travel insurance when you travel domestically is a common travel insurance myth . In this article, we'll explore how travel insurance can protect you when you're traveling within your own country.

How much travel insurance coverage can you get? Check out your options here.

Here are three big reasons travel insurance is worth considering , wherever your travels take you.

You can't predict the future

When you travel, there are lots of things outside your control. Illness, weather, flight delays and more can disrupt your trip or prevent you from traveling altogether. In these situations, travel insurance can reimburse you up to 100% for a number of covered reasons .

"Unfortunately, many travelers have a basic misunderstanding of travel insurance — assuming it's for people who anticipate that they may need to cancel their trip," says Michelle Couch-Friedman, travel ombudsman and the founder of Consumer Rescue. "The truth is that travel insurance is to protect travelers from unanticipated events like illness, injury — even job loss — things that will prevent the insured from completing their trip as planned."

These things are more common than many of us would like to admit. Travel insurance can protect you from them no matter how confident you are in your plans.

Air travel can be messy

"People are accustomed to not getting travel insurance because historically they haven't needed it," says travel agent and full-time traveler Veronica Hanson. "Their own experiences have taught them over the years that insurance is a waste of money. If something went wrong, companies usually stepped up and made it right for the customer. These days are a whole different story. Infrequent travelers might not realize the chaos of the airline industry these days."

Since the upheaval of the COVID pandemic, airline delays have been in the news on a regular basis. Statista reports that in 2022, Southwest Airlines flights alone were delayed about 26% of the time. American Airlines, United Airlines and Delta Airlines delays ranged from about 16% to about 22%. 

"There is no guarantee that a confirmed seat on a plane will actually get you to your intended destination," says Hanson. "A leg of your journey mid-trip can be canceled without notice, which causes a ripple effect. Hotels are sticking to their cancellation policies, meaning travelers are paying for rooms they aren't able to get to because of delays or cancellations."

Start your search for the right travel insurance policy by comparing quotes here .

Travel is expensive

"Travel insurance is highly important, especially if you've laid out a significant amount of money for your travel endeavors," says Matthew Roberts, COO and co-founder of insurance aggregator service My Choice Financial. "With everything that's happening around the world, you'll never know what's going to happen next. Having travel insurance will help you recoup the money you spend due to unforeseen events during or before your trip."

When you forgo travel insurance, you're taking a chance that may prove disastrous. The cost of a policy can be well worth it when you consider how much you stand to lose.

"Over the years, I've seen firsthand the terrible repercussions when unexpected calamities befall travelers who have taken off on vacation without the protection of a comprehensive travel insurance policy," says Couch-Friedman. "I often receive pleas for help from consumers who have been blindsided by the loss of thousands of dollars invested in dream vacations that they failed to protect by purchasing travel insurance."

The bottom line

International trips aren't the only time travel insurance can be worth purchasing. You never know what could happen, from you or your traveling companions getting sick to the airline experiencing an all-too-common delay.

You can protect the money you've spent — and save yourself unnecessary stress — by purchasing travel insurance. You can even make it more affordable by choosing the right amount of coverage and checking out these tips to save on travel insurance .

To explore your travel insurance options, start by getting  a customized price quote here now .

3 Takaful Travel Insurance Offering The Best Coverage

Going on a vacation without insurance is a no-no because there are endless possibilities that your trip something may go wrong during your trip. When it comes to buying insurance, some of us prefer certain policies over others for various reasons, one of them being religious.

However, finding the ideal takaful travel insurance can be a daunting task cause there are plenty of choices out there. But these 3 policies are top-rated takaful insurance in Malaysia and are preferred by many people. Read on to find out what they are.

Zurich Z-Travel Takaful

Z-Travel Insurance offers comprehensive coverage for both international and domestic travel in Malaysia. It comes in two variants: Z-Travel Insurance (International) and Z-Travel Insurance (Domestic), which cater to different needs. Here are the key benefits of the international plan.

Key benefits

With a cover amount of up to RM1,000,000, you will receive cover:

• Accidental Death & Permanent Disability up to RM500,000
• Unlimited Medical Expenses for Diamond Plan customers
• Unlimited Medical Evacuation and Repatriation for all plans
• Travel Cancellation/Curtailment – up to RM30,000
• Personal Liability up to RM1 million
• Emergency Cash up to RM5,000 and more

Takaful myTravel PA

myTravel PA is an all-in-one travel and personal accident plan by Takaful Malaysia that covers local and overseas trips. The local coverage comes in a single plan while the international trip is offered in Bronze, Silver and Gold. The most significant element of this takaful travel insurance is that it offers unlimited coverage amount for medical evacuation and repatriation.

• Accidental Death or Permanent Disablement up to RM500,000 per adult (up to RM1.5 million per family)
• Medical Expenses up to RM500,000 per adult (up to RM1.5 million per family)
• Compassionate Visitation and Child Guard Benefit of up to RM10,000
• Hospital Allowance of up to RM10,500
• Unlimited coverage amount for medical evacuation and repatriation (for Bronze, Silver and Gold plans)
• Travel Cancellation and Curtailment up to RM25,000
• Personal Liability coverage of RM1 million
• Optional COVID-19 coverage up to RM200,000 for medical expenses overseas and RM100,000 for medical evacuation and repatriation

Etiqa TripCare360 Takaful

TripCare 360 by Etiqa is offered for both domestic and international trips. The domestic coverage is offered as a single plan while the international coverage is offered in Silver, Gold, and Platinum plans. Some of the major events covered by these plans and their amounts are summarised below:

With an Aggregate Limit of Liability up to RM5,000,000 per certificate, it covers:

• Accidental death or permanent disability up to RM500,000
• Medical-related expenses up to RM500,000
• Loss or damage to your baggage up to RM5,000
• Flight delays of up to RM5,000
• Loss of travel documents up to RM1,500
• Alternative treatment expenses up to RM1,000 and more

Cashless Medical Care  (for overseas trips) – Guarantee Letters (GL) are provided with just one phone call to our 24/7 hotline +603-2785-6565 so that you can be admitted to the hospital without payment.

Loss of Valuables  – Get paid up to RM5,000 for loss or damage to your baggage, money, travel documents, and personal belongings. Valid for theft, mishandling of your property, and more.

Fast & Easy Claims  – Make quick claims via WhatsApp at +603-27804677 or www.eti.qa/whatsapp.

Travel Delay  – Get paid RM100 for a 2-hour flight delay for all plans

COVID-19 Add-on Coverage  – Enjoy extra peace of mind on your overseas trip by adding COVID-19 coverage to your TripCare 360 plans, with an additional premium.

Where to buy these policies?

There’s no better place to buy these policies than at Bjak. As Malaysia’s No.1 Insurance Comparison Site, Bjak instantly compares takaful travel insurance policies from up to 10 brands, including the ones mentioned in the list above.

Have the ease of comparing and customising your add-on on our platforms and enjoy huge savings online. Simply click on the button below to receive a free travel quote from us and start seeing prices for free.

Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!

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