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Last-Minute Travel Insurance: Your Safety Net for Short-Notice Trips

Jessica Merritt

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Best Last-Minute Travel Insurance for Low Cost: Berkshire Hathaway Travel Protection

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Planning a last-minute getaway, or just forgot to buy travel insurance? You can still protect your trip with last-minute travel insurance, which covers travel delays, emergency medical treatment, and more. 

Travel insurance policies are generally available up to a day before departure . Some travel insurance companies offer post-departure travel insurance, too. It still makes sense — even at the last minute — to buy travel insurance to protect your finances and health while traveling.

This article explains how last-minute travel works, its benefits, and how to choose the best travel insurance policy before you head out the door.

The 5 Best Last-Minute Travel Insurance Plans

You can get good coverage for your travel plans with a travel insurance policy purchased up to the day of departure. We’ve quoted several comprehensive travel insurance plans you can get at the last minute, searching for plans purchased the day before travel for a 37-year-old visiting Spain on a $2,500 trip :

While it was the most inexpensive last-minute travel insurance policy we quoted, Berkshire Hathaway Travel Protection’s ExactCare Value plan offers a good variety of coverage for the price.

It has trip cancellation and interruption coverage, up to $15,000 in medical emergency coverage, and up to $150,000 in coverage for emergency medical evacuation or repatriation. It also offers coverage for travel delays and baggage delays or loss. We were quoted $45 for this plan.

Our quote for an iTravelInsured Travel Essential policy from IMG didn’t include emergency medical treatment or emergency medical evacuation and repatriation coverage.

However, it excels in travel delay coverage with up to $2,000 in travel delay benefits after a 12-hour delay. It also offers up to 100% reimbursement for trip cancellations and 125% for trip interruptions. COVID-19 coverage is included in trip cancellation and interruption benefits. Our quote for this plan came to $56.13.

The AXA Assistance USA Silver plan covers sports and adventure activities, including sports equipment baggage and sports fees. Additional coverage includes trip cancellation and interruption, up to $25,000 in secondary emergency medical benefits, $100,000 in medical evacuation and repatriation, and benefits for travel delays and baggage loss. The quote for this policy was $78.

Though $15,000 in emergency medical coverage isn’t much, it’s primary coverage with an Insurance Services Travel Basic plan from Travelex . With primary coverage, you can use your emergency medical benefit to pay for medical treatment without going through other applicable insurance first.

This policy also offers up to $100,000 in medical evacuation benefits and 100% reimbursement for trip cancellations or interruptions. We were quoted $87 for this policy.

While more costly than some of the other policies we reviewed, the International Safe Travels Explorer plan from Trawick International offers higher benefit limits than most lower-priced policies.

You’ll get up to 100% reimbursement for trip cancellation and interruption and up to $50,000 in emergency medical reimbursement. There’s up to $200,000 in medical evacuation and repatriation benefits, up to $1,000 for travel delays, $750 for baggage and personal item loss, and $500 in missed connection benefits. This policy had a quote of $88.74.

What Is Last-Minute Travel Insurance?

Last-minute travel insurance is travel insurance coverage that you purchase just before departing on your trip . While less robust in coverage than travel insurance purchased shortly after booking, last-minute travel insurance can cover cancellations, interruptions, delays, medical emergencies, and more. It’s a good option if you want travel insurance coverage but haven’t purchased it for a trip that’s coming up quickly.

Like regular travel insurance , last-minute travel insurance covers travel-related financial risks. You’ll get quotes and review the policy’s terms, purchase coverage, and travel as planned. You can file a claim if you experience a covered loss, such as a trip cancellation or medical emergency.

You might pay about the same for less coverage using last-minute travel insurance, but it can save you money and offer peace of mind if you run into any trouble with your trip.

You can get last-minute travel insurance just like a policy purchased right after booking. Start by getting quotes from travel insurance companies, comparing costs and coverage, and purchasing a plan. Once you’ve obtained your last-minute travel insurance policy, be sure you understand the terms and conditions and keep contact information and policy details handy if you need to use your coverage.

If you’ve waited until the last minute to buy travel insurance, you can still get a travel insurance policy, but that doesn’t mean you should expect the same level of coverage you could get if you purchased travel insurance shortly after booking your trip.

Trip cancellation coverage is the main benefit you’ll largely miss out on with last-minute travel insurance. While you can get cancellation coverage at the last minute, your coverage generally doesn’t take effect until the next day — and travel insurance policies generally only offer cancellations up to the day before departure. 

If you’re buying travel insurance the day before you travel, you won’t take advantage of the cancellation benefit. That’s far less valuable than a policy that offers weeks or months of trip cancellation insurance and can reimburse you for your prepaid, nonrefundable deposits.

Some travel insurance coverage is only available if you buy your policy early on, including Cancel for Any Reason coverage and waivers for preexisting conditions . These coverage types are generally only available if you purchase your policy within about 2 weeks of booking your travel.

Learn more about the best time to buy travel insurance in our guide to when to buy travel insurance .

Last-minute travel insurance offers less value than insurance purchased shortly after booking, but travel protection is still worth buying. Even if you can’t take advantage of trip cancellation benefits, you can still get a lot of value out of other coverage areas, especially emergency medical benefits.

Travel Insurance 101

Travel insurance provides financial protection and support for your travel ranging from coverage for trip cancellations to medical emergencies. Coverage varies between policies, but these are common benefits offered by travel insurance:

• Baggage Protection: You can use travel insurance to get reimbursed if your baggage or personal belongings are lost, stolen, or delayed on your trip.
• Emergency Assistance: Travel insurance generally offers a Travel Support 24/7 hotline you can call to get connected with what you need, whether it’s medical facilities or replacing lost documents.
• Emergency Medical Evacuation and Repatriation: If you’re critically injured or seriously ill, travel insurance emergency medical evacuation benefits can pay for moving you to an appropriate medical facility. Repatriation benefits can cover bringing your remains home if you die while traveling.
• Emergency Medical Expenses: Many travel insurance policies offer coverage for medical emergency treatment if you’re injured or become ill on your trip.
• Missed Connections: Travel insurance can cover the cost of rebooking your flight and accommodations if you miss a connecting flight or cruise.
• Rental Car Coverage: Your travel insurance policy may cover your rental car insurance so you can decline it at the rental desk.
• Travel Delay: You can get reimbursed for additional expenses related to travel delays, such as accommodations and meals, if your trip is delayed due to covered circumstances such as severe weather or airline strikes.
• Trip Cancellation: When you purchase travel insurance early enough, coverage extends to trip cancellation, which reimburses you for nonrefundable prepaid travel expenses if you need to cancel your trip. However, with last-minute travel insurance, you may not have time to take advantage of this benefit.
• Trip Interruption: Travel insurance can cover the cost of getting home and reimburse you for unused trip expenses if your trip is interrupted for covered reasons such as a medical emergency or natural disaster.

Optional coverages often include preexisting medical conditions, adventure sports , and Cancel for Any Reason .

As you consider last-minute travel insurance policies, take these factors into account:

• Customer Service Reviews: You want to be sure your insurance company is there for you when needed. Check customer service reviews of travel insurance companies to find out if other customers had a good experience, especially if they needed to file a claim.
• Deductibles: Understand whether the policy has deductibles you must pay before your insurance coverage kicks in and consider whether you can afford the deductible if necessary.
• Limitations and Exclusions: Consider the maximum benefit limits for coverage areas and also understand what isn’t covered by the policy.
• Trip Duration and Destination: Verify whether the policy covers your trip’s entire duration, as some don’t cover long trips. Likewise, make sure your planned destination is covered.
• Value: Compare costs to coverage, terms and conditions, and other policy details to determine which last-minute travel insurance policy offers the most value for your needs.
• What’s Covered: Find out what each policy offers in terms of benefits and ensure your priorities are covered.

You can generally buy travel insurance up to the day before departure . Some insurance companies also offer post-departure travel insurance . It’s generally not too late to buy travel insurance — unless you’ve already run into trouble with travel. 

For example, if there’s a named hurricane heading to your destination or you’re showing signs of illness, it’s too late for you to get covered for hurricane or illness-related travel insurance coverage.

Annual Travel Insurance

If you want to get ahead for your next trip and avoid the drawbacks of last-minute travel insurance, you can purchase an annual travel insurance policy . With an annual travel insurance policy , all of your travel within the specified period is covered — and you don’t have to remember to purchase it early enough to get the best benefits.

Travel insurance generally costs 5% to 10% of your total trip cost . Purchasing at the last minute means you’ll get less coverage for your money because you don’t get the benefit of a lengthy trip cancellation period, but you generally won’t pay any more or less for last-minute travel insurance. However, your options may be more limited, particularly for add-on coverage such as Cancel for Any Reason and preexisting medical conditions.

Credit Cards With Travel Insurance

Panicking because you think your upcoming trip isn’t covered? You might be doing better than you think — if you have the right credit card. Many credit cards offer travel protection benefits; if you’ve paid for travel expenses with that card, you may already have coverage. 

But before you rely on your credit card travel insurance protection benefits, ensure you understand the coverage and any limitations. You may need more coverage than what your credit card provides, in which case it’s probably a good idea to purchase travel insurance — even at the last minute.

Read our guide to the best credit cards with travel insurance to learn more about credit card travel protection benefits.

Planning a trip can be a whirlwind experience but don’t forget to protect your trip with travel insurance — even if it comes down to the last minute. You might not get the same amount of coverage you’d get as you would with a policy purchased earlier, but last-minute travel insurance can offer a safety net while you travel. Compare policies to find last-minute travel insurance coverage that can offer peace of mind and protection.

Check out our guide on the cheapest travel insurance for further reading.

Frequently Asked Questions

Can you buy last-minute travel insurance.

You can buy last-minute travel insurance. Often, travel insurance companies offer policies as late as a day before departure. There are also options for post-departure travel insurance.

Can I buy travel insurance and use it immediately?

Immediate travel insurance isn’t quite possible. Travel insurance usually goes into effect the day after you purchase it. You won’t be covered immediately, but it’s pretty close.

Does travel insurance get more expensive closer to the trip?

How late you purchase travel insurance generally won’t significantly influence the cost of your coverage. However, last-minute travel insurance coverage options are usually more limited than travel insurance purchased earlier.

How late is too late for travel insurance?

You can usually purchase travel insurance policies up to the day before departure. Your policy options will significantly decrease if you wait until the day of departure or after departure to purchase your policy. And it’s too late if you want to get covered for circumstances already threatening your travel plans, such as a named hurricane or showing symptoms of illness.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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9 Best Travel Insurance Companies of 2024

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

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

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

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

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

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

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

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

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

SEE FULL REVIEW »

Annual and multitrip policies are available

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

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

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

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

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

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

More limited coverage for baggage issues than other companies

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

Travel insurance policy coverage is tailored to your specific trip

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

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

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

Limited trip cancellation coverage even at the highest tier

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

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

Cancel for any reason coverage costs extra

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

Generous emergency medical and emergency evacuation coverage

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

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

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

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

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

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

Travel Insurance Types: Which One Is Right for You?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Why Trust U.S. News Travel

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

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Last Minute Travel Insurance: Coverage and Cost Guide

Last-minute trip insurance could save you thousands on unexpected trip delays, interruptions or cancellations.

in under 2 minutes

Josh Lew is a travel journalist and writer based in the midwestern U.S. He has been active for the past decade, covering airlines, international destinations and ecotourism for sites like TravelPulse and TreeHugger. He currently contributes to content writing agency World Words.

Sabrina Lopez is an editor with over six years of experience writing and editing digital content with a particular focus on home services, home products and personal finance. When she is not working on articles to help consumers make informed decisions, Sabrina enjoys creative writing and spending time with her family and their two parrots.

Last-minute travel insurance can protect your trip from unexpected roadblocks like a natural disaster, illness or other unplanned event. In general, it’s better to purchase a travel plan from an insurance company as soon as possible after booking. However, you can still get coverage for a spontaneous trip (or a planned vacation you decided to insure at the last minute).

Like any travel insurance plan, a policy purchased at the last minute protects you from unexpected events that could delay or cancel your journey. If you purchase medical coverage, you can also get emergency care for illnesses or injuries occurring during your travels.

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Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

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Can You Buy Travel Insurance Last Minute?

Travel insurance protects against the same things regardless of when you purchase the policy. However, events that begin before you purchase the insurance won’t qualify for coverage, nor will pre-existing conditions.

The protections and benefits of travel insurance almost always outweigh the drawbacks, so a policy is a good investment even if you purchase it at the last minute.

How Late Is Too Late For Travel Insurance?

Most travel insurance companies will sell trip protection policies until you depart. However, they won’t cover any events or illnesses starting before you buy coverage.

For instance, if a hurricane forms before you buy your policy and eventually affects your destination, the insurer will not reimburse you under its trip cancellation insurance rules. You should always look at the fine print to find out such details.

Benefits of Getting Travel Insurance at the Last Minute

The advantages of travel insurance are comparable whether you purchase a policy after booking or right before takeoff.

• The policy still protects against events causing trip cancellation before takeoff.
• Coverage extends to any companions or family members listed on the policy.
• You can get reimbursement for trip interruptions or delays occurring after departure.
• If you purchase a plan with health insurance, you won’t have to pay for emergency treatments or medical evacuation if you become ill or injured during your trip.
• Many policies have reimbursement for lost baggage or stolen items.

Overall, the coverage provides peace of mind by giving your protection from the most common travel-related risks.

Disadvantages of Getting Travel Insurance at the Last Minute

You should be aware of the potential pitfalls of a last-minute travel insurance purchase.

• Issues arising before the purchase aren’t covered. If an illness or natural disaster in your destination started before you bought insurance, the policy will not reimburse you for cancellation. Also, some ongoing events, such as a conflict or pandemic, may require additional coverage.
• Pre-existing medical conditions may be covered, but insurers often require you to purchase a waiver within 14 days of your first trip deposit. If you wait until the last minute to buy insurance, you won’t be eligible for the waiver.
• If you wait until the last minute, you may not have time for an in-depth comparison of travel insurance providers.

You will need to decide if the protection offered by insurance services outweighs these negative aspects of last-minute coverage.

Travel Insurance Coverage Options

Here are the different types of coverage available if you purchase a last-minute travel insurance policy. Many travel insurers offer comprehensive single-trip plans covering each of the following areas.

Covered reasons are typically those events beyond your direct control. They may include an unexpected illness, death in the family, natural disaster, transportation shutdowns or legal obligations you were unaware of before purchasing the insurance.

Factors To Consider When Choosing a Policy

You want to be sure your travel insurance covers all your potential risk areas. However, you cannot purchase a random single-trip comprehensive policy. You should consider the details carefully before buying.

Coverage Limits

A coverage limit is the maximum amount the insurer will pay for each covered event. For instance, if you have $25,000 in medical emergency coverage, the insurer will pay for hospital bills totaling $25,000. However, if your bill is $30,000, you would have to pay the remaining $5,000 out of pocket.

You should always ensure that the coverage limits match the potential costs in your destination.

Exclusions and Pre-existing Conditions

Insurers will list exclusions, which are events and conditions they won’t cover. Pre-existing conditions are the most common exclusion. You need to ensure your last-minute insurance purchase covers pre-existing conditions or see if it is possible to purchase a waiver to get coverage. Many insurers require you to purchase your policy a minimum of 14 days before departure in order to qualify for a waiver for pre-existing conditions.

Other exclusions could include injuries occurring due to risky adventure sports or activities like scuba diving or mountain climbing.

Deductibles

Deductibles are out-of-pocket payment amounts you are responsible for before insurance coverage takes over the cost. Deductibles are most common for medical insurance. Cheaper travel insurance may have higher deductibles.

Existing Coverage

You might already have some trip insurance through another source. For example, some credit cards offer cancellation coverage if you pay for airline or hotel bookings using the card. In these cases, you would not need coverage for cancellation, or you could purchase a comprehensive plan with the lowest possible coverage limits.

Finally, if you take many last-minute trips, annual travel insurance, which provides coverage for an entire year, may be a better investment than a single-trip policy.

How To Obtain Last-Minute Travel Insurance

In addition to insurance, these providers also offer travel assistance and services to help you find medical care abroad.

Here are the steps for getting immediate travel insurance:

1. Research Companies

Carefully research the limits, policies and details of each of your chosen providers to ensure the coverage meets your needs. Reputable travel insurance providers, including AIG , Seven Corners , Travelex , Trawick and IMG , among others, offer standard policies that you can purchase up until departure.

2. Compare Coverage

After finding potential policies, you should compare coverage limits and costs before making a final purchase. We suggest getting a policy with 100% trip interruption coverage and at least $250,000 in international medical insurance.

3. Buy Online

After choosing your company and plan, you can purchase a policy easily online by providing your personal information, trip details, and payment method. Most companies offer 24/7 customer service if you need assistance with signing up or potential claims.

Frequently Asked Questions About Last-Minute Travel Insurance

How late is too late for travel insurance.

You can purchase comprehensive travel insurance policies until departure. Some insurers allow you to purchase medical coverage after you leave. However, they typically require a waiting period of 48 to 72 hours before the insurance goes into effect.

Can you get travel insurance after booking a trip?

You can get travel insurance after booking a trip. However, there may be some limitations for purchasing pre-existing condition waivers and getting reimbursement for trip cancellations caused by events that started before you bought the policy.

Does travel insurance get more expensive closer to the trip?

Travel insurance premiums are based on risk and coverage limits, not time before departure. The price will be the same regardless of when you buy it.

Is travel insurance effective immediately?

Travel insurance is effective immediately in most cases. However, some insurers require a waiting period for insurance purchased after departure.

If you have questions about this page, please reach out to our editors at [email protected] .

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11 Best Travel Insurance Companies in May 2024

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 .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers, top credit cards with travel insurance, methodology, best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at no extra cost.

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Special medical insurance for ship captains and crew members, international students and missionaries.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Here is the list of travel cards offered by Chase that include various forms of travel insurance.

Having one of these in your wallet is a good start to protecting your travel investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's website

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

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

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

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

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

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

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

• Car rentals: Theft and collision damage for most cars in the U.S. and abroad.

• Trip cancellation: Up to $1,500 per person and $6,000 per trip.

• Trip interruption: Up to $1,500 per person and $6,000 per trip.

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

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

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

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Can You Buy Travel Insurance at the Last Minute?

Here's what you need to know if you don't purchase insurance at the time you book your next big trip., erica lamberg, erica lamberg's most recent stories.

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You may be eager to return to traveling, even if you’re a bit cautious about finalizing plans at this time. Perhaps you’re planning trips with shorter notice, as Covid-related situations evolve both in the US and internationally.

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“With the emergence of new variants and a constantly changing landscape of travel advisories and entry requirements, traveling during the pandemic has been a ‘wait and see’ period,” says Lisa Cheng, spokesperson with World Nomads, a travel insurance company. “That’s why more people are choosing to book at the last minute. But if you are waiting until the 11th hour to purchase travel insurance, there are a few things to watch out for.”

Related: Compare & Buy Travel Insurance for 2021

Here’s what you need to know about purchasing last-minute travel insurance.

Your Coverage May Not Kick In Right Away

When you purchase travel insurance very close to your departure, you could be subject to a waiting period, which is a specified amount of time before your coverage goes into effect. “The terms vary from insurer to insurer but, as an example, you may have to wait 24 hours before you could be eligible for any type of coverage,” says Cheng.

Additionally, you can’t wait to buy insurance until you know you’re going to make a claim. Cheng says travel insurance is only for unexpected events. For example, you can’t buy insurance when a big storm has already been named as a hurricane or tropical cyclone and is headed toward your Caribbean vacation destination. You can’t buy travel insurance when you already have symptoms of a sickness that will affect your trip plans.

Some travel insurance companies are stricter than others with cut-off dates for purchasing a policy.

“Some companies won’t allow you to buy a policy too close to the departure date or after your departure,” says Cheng. But with World Nomads, she says, you can purchase travel insurance at any point of your trip—even if you’ve already boarded your flight or have hit the road. Just remember that plans may have a waiting period before coverage goes into effect.

If you’re not sure whether your plan has a waiting period, call the company or its 24/7 travel assistance hotline.

Understand the Scope of Your Coverage

Ideally, you should purchase a travel insurance policy when you book your trip, or when you put down your first deposits. If you don’t buy it right away, a good rule of thumb is to purchase travel insurance within two weeks (or less) of booking your trip. That way you can reap all the benefits that your plan offers.

One of the main purposes of travel insurance is to protect your trip investment if you need to cancel your trip for a reason covered by the policy. These reasons include a death, serious illness or injury, severe weather, a family emergency, or an act of terrorism either in the US or at your destination. So when you purchase your policy as early as possible, you are taking advantage of the trip cancellation coverage for the longest duration.

“If you buy a comprehensive plan on the day before departure, you are essentially buying for just the post-departure benefits and you’re foregoing ‘trip cancellation’ benefits,” explains Meghan Walch, spokesperson with InsureMyTrip, a travel insurance comparison provider.

You should also be aware that you may be outside the timeframe for getting certain valuable benefits:

You can typically get a pre-existing medical condition waiver only within 15 days of booking your trip and putting down your deposit (deadlines vary by company). This important waiver provides coverage during your trip for pre-existing conditions. “So while you may have emergency medical coverage on your plan, if it is determined that the illness you’re claiming was related to something pre-existing, your claim may be denied,” explains Walch.

You can generally add “cancel for any reason” (CFAR) coverage only within 14 days of your initial trip deposit (some companies have a longer deadline). This add-on allows you to cancel a trip for a reason not listed in the base cancellation policy and still receive reimbursement—usually 75% of your pre-paid and non-refundable trip costs. But you have to cancel 48 hours or more before departure in order to make a CFAR claim. If you’re buying last-minute travel insurance, you’re probably too late to snag this coverage.

Related: Best “Cancel for Any Reason” Travel Insurance of 2021

“The ‘cancel for any reason’ add-on is really the only way for a traveler to recoup some of their pre-paid, non-refundable trip costs if they decide not to travel because of a spike in (Covid-19) cases,” says Walch at InsureMyTrip.

In addition, standard travel insurance policies do not allow travelers to cancel a trip because of Covid-19 fears or because you don’t want to do the testing or quarantine requirements of another country. But you can cancel for those reasons if you have CFAR coverage.

How Can You Purchase Last-Minute Travel Insurance?

You can easily purchase a travel insurance policy online, whether it’s long before your trip or last-minute. “If you enter your departure date, our system will display only the plans that are available for purchase,” notes Walch with InsureMyTrip.

She says comprehensive travel insurance plans are available until the day before departure.  “Some travel medical plans must be bought before departure,” says Walch. “There may be some travel medical plans available on the day of departure, but there will be very few options.”

Erica Lamberg is a personal finance and travel writer based in suburban Philadelphia. She is a regular contributor to USA Today and her writing credits include NBC News, US News & World Report, Business Insider, Oprah Magazine and Creditcards.com . 

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June 1, 2020

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At Allianz, we continue to show our commitment to sports through our sponsorship with the International Olympic Committee and the International Paralympic Committee. Read More >>

Entry Requirements & COVID-19 Travel Resources 

Confused about entry requirements for your destination? Our  interactive map shows current travel rules and restrictions for each destination, including info on COVID-19 testing, necessary travel documents and quarantine periods.

Find out how our  Epidemic Coverage Endorsement can protect your next trip from certain losses related to COVID-19.

Why do I need travel insurance?

Because sometimes..., you have to cancel a trip last-minute..

Travel insurance can reimburse you for your prepaid, non-refundable trip costs — including vacation rentals, car rentals, hotels and flights — if you have to cancel for a covered reason.

Travel delays leave you stranded.

Travel insurance can reimburse you for eligible meals, accommodation and transportation expenses during a covered delay.

You get sick or hurt when you're far from home.

Travel insurance can reimburse you for care following a covered medical emergency while traveling. We can even arrange and pay for a medical evacuation if needed.

Fender-benders are unavoidable.

Renting a car means taking on a big financial risk; even a tiny scrape can cost you hundreds. Low-priced rental car insurance lets you drive worry-free.

You need help in a hurry.

Whether you're planning a week-long road trip or a weekend getaway, you never know what might happen. Travel insurance gives you access to our 24-Hour Assistance hotline for expert, personalized support in a crisis.

Why go with Allianz Travel Insurance?

As a world leader in travel protection, we help more than 70 million people answer the call of adventure with confidence every year.

We're Protecting You

From protection for trip cancellation to medical bills abroad, our benefits are designed to help you explore reassured.

We're There For You

We've got your back with award-winning 24/7 assistance and a worldwide network of prescreened hospitals to help you get the right care.

We're Built For You

From our Allyz ® TravelSmart app to proactive SmartBenefits, we innovate for the way you travel today - and tomorrow.

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Destination Guide: Croatia

Travel Insurance & COVID-19: The Epidemic Coverage Endorsement Explained

More Travel Resources »

LATEST COVERAGE ALERTS

The events listed below are considered "known and foreseeable" for travel insurance purposes on the date listed next to the event. Please consult your policy for more information.

More Coverage Alerts »

Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Last Minute Travel Insurance

Many people purchase excellent travel tickets and vacations at the last minute . In fact, there are a significant number of web sites and companies who offer great deals on vacations and airline tickets for travelers who purchase their vacations and tickets at the last minute. You can obtain great prices because the travel company doesn’t want to leave that seat unfilled and will discount the fair or vacation to fill it.

However, TFG Global Travel Insurance  offers excellent travel insurance for last-minute travellers. You can obtain great travel insurance plans if you are traveling on short notice because our web site allows you to purchase travel insurance online in minutes and receive your travel insurance confirmation in just a few moments via email or later by regular mail.

If you purchase a last-minute flight or vacation, you may want to consider a comprehensive trip cancellation and interruption plan. Most vacation policies such as these do not cover cancellation because of an existing pre-existing condition if the travel insurance policy is not purchased within a set number of days.

Unfortunately, many last minute vacationers forget to get their travel insurance. Note that our web site does offer travel insurance to people who are already traveling. Some policies will cover you with a one or three day waiting period and you can print or take note of your policy and claims numbers if you purchase via the internet. It is a good idea to have access to your emails while traveling or use a Gmail or Yahoo email account to access your travel insurance policy documents.

Where can I get last minute travel insurance?

You can get a quote for a wide variety of travel insurance plans for both business and pleasure from TFG Global Travel Insurance.

Global Travel Insurance.com is copyrighted and is owned by TFG Global Insurance Solutions Ltd. Note: Some of the products and services described or advertised on this site may not be available to residents of certain jurisdictions, depending on regulatory constraints, including Canada and the U.S. Please contact TFG Global Insurance Solutions Ltd. for more information about your specific jurisdiction. If you or your company requires a policy that is billed to the USA, please contact us and we will refer you to a broker located in the USA. The policies we offer via TFG Global Insurance Solutions Ltd. or its related web sites are not available to citizens permanently residing in the USA when taking out the policy.

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 .

• Best overall
• Best for expensive trips
• Best for exotic trips
• Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

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

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

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

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
• con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
• con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
• Trip cancellation for 100% of the trip cost
• Trip interruption insurance for up to 150% of the trip cost
• Emergency medical coverage of up to $250,000 per person
• Medical evacuation coverage of up to $1,000,000

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

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

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

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

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

• Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

• Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
• Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

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.

**Enrollment required.

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How Much Does Travel Insurance Cost?

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• The average travel insurance premium this week is $285.76, about the same compared to last week.
• For travel in the United States, the average premium is $92 to $403.
• Travel insurance protects against delayed baggage, trip cancellation, and more.

The average cost of travel insurance fluctuates throughout the year, based on demand and whether or not school's in session. Also keep in mind that where you're traveling and how many people are taking the trip will affect your exact premium.

The average travel insurance premium this week is about the same compared to last week.

Travel insurance rates this week:

• Average premium: $285.76
• Average trip cost: $6,848.65
• Average trip length: 16 Days

Understanding Travel Insurance

Travel insurance plans can cover both domestic and international travel. It could protect against something as familiar as delayed baggage (experts estimate 85% of lost luggage is returned to its owner within 48 hours) or as complicated as trip cancellation.

The benefits and limitations of travel insurance vary based on the company and plan. Above all else, this insurance coverage offers peace of mind.

Some credit cards offer a limited amount of travel insurance annually. If you need clarification on what your credit card offers, contact your provider to verify. These plans are great for cancellations and interruptions but may not cover more costly losses associated with unexpected medical expenses or emergency evacuations.

Individual travel insurance plans include this and much more. Travel insurance protects travelers from the unexpected when away from home.

Average Cost of Travel Insurance by Destination

Some countries are naturally more expensive travel destinations due to higher flight and lodging costs, which could increase travel insurance costs. Travel insurance will generally cost 5% to 10% of your total trip price, according to SquareMouth.

Here's how the prices stack up:

Source: SquareMouth

How Far in Advance to Purchase Travel Insurance

According to an AAA travel survey , 88% of travelers say that reimbursement after a trip cancellation is the most valuable benefit of trip insurance.

According to data gathered by SquareMouth in the last six months, travelers tend to purchase trip cancellation travel insurance 53 days before their trip. Meanwhile, travelers without trip cancellation insurance will buy a policy approximately 16 days before their trip. Regardless of when you buy, cancellation protection can kick in to protect you against the unexpected.

Average Cost of Travel Insurance by Age

A traveler's age is a significant factor in determining the cost of travel insurance. The older a traveler is, the higher travel insurance premiums are. For instance, a senior traveler may need more insurance for health-related emergencies than a millennial.

When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency.

Get your free travel insurance quote with SquareMouth »

Travel Insurance Rate Tips

How much does travel insurance typically cost.

Travel insurance rates through most providers fall between 4% and 8% of the total trip cost. Like the cost of flights, cruises, etc., rates may vary substantially based on the season, your original location, your destination, and other factors. This week, the average cost of a policy was close to $300.

How can I save money on travel insurance?

To save money on travel insurance, tailor your policy to your specific needs and avoid unnecessary extras. You should also shop around to compare quotes from multiple insurers. Opting for an annual plan if you're a frequent traveler, checking existing coverages from other insurance policies or credit card benefits, and choosing a policy with a higher deductible can significantly lower your premiums. Always read the fine print to understand your coverage fully, ensuring you don't pay for redundant or irrelevant features.

Where are the cheapest places to buy travel insurance?

To find affordable travel insurance, consider using online comparison websites like SquareMouth or InsureMyTrip to see rates from various providers. Other ways to save include purchasing directly from insurance companies, exploring package deals from travel agencies or airlines, utilizing included coverage from credit card benefits, and checking for discounts through membership organizations such as AAA or AARP.

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

Politics latest: Uproar in Scottish parliament over use of nickname - as government survives confidence vote

The Scottish government has survived a vote of no confidence ahead of an SNP leadership contest, triggered by Humza Yousaf's resignation. Down in Westminster, Rishi Sunak has welcomed Boris Johnson's campaigning for Tory candidates in tomorrow's local elections.

Wednesday 1 May 2024 17:39, UK

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• Coming up on Politics Hub With Sophy Ridge at 7pm
• Scottish government survives confidence vote
• Yousaf denies he was victim of plot to oust him
• Starmer reveals he considered quitting
• First illegal migrants bound for Rwanda detained
• PM welcomes Johnson's campaigning for Tory candidates
• Local elections:  All you need to know about this week's votes
• Live reporting by Faith Ridler and (earlier)  Charlotte Chelsom-Pill

Douglas Ross, the leader of the Scottish Tories, just caused a ruckus in Holyrood after launching an attack on could-be SNP leaders John Swinney and Kate Forbes.

He begins by pointing to Ms Forbes' claim that she would want to hold an independence referendum within three months of a general election.

Mr Ross says she is "an even more radical nationalist" than Nicola Sturgeon and Humza Yousaf.

Turning to Mr Swinney, Mr Ross refers to him as "honest John".

This doesn't impress the presiding officer, who tells him: "We do not use nicknames in the chamber."

Mr Ross quips: "I thought it was on accuracy because it would be not-so honest John with some of the things we've heard recently."

He is told to apologise as an uproar sounds in the chamber, but he refuses twice.

Asked a third time, he says he is "very sorry" for any upset caused.

Mr Swinney has the backing of SNP heavyweights including the party's Westminster leader Stephen Flynn.

Humza Yousaf, the outgoing first minister, has dismissed suggestions he was the victim of a plot to replace him with Mr Swinney - leading to his resignation earlier this week.

Back to our political editor Beth Rigby 's conversation with Labour leader Sir Keir Starmer, in which the topic of the Rwanda scheme was raised.

Beth asks about reports Labour may retain the migration flights for some time in government until they negotiate different returns agreements with the EU.

He says: "No, I don't believe in the scheme. 

"I don't think it will work. I know we have to stop the boats. I want to get going with our plan. 

"Stop the boats on day one, which requires us to stop the gangs that are running this vile trade or to work with law enforcement across the borders to make sure that people are not getting the boats in the first place.

"And that's why I've already had discussions in The Hague (including with EU law enforcement agency Europol) about how quickly we can share data intelligence to do that. 

"I'm absolutely determined to tackle this problem because the government has lost control of the borders. 

"What I'm not going to do is flog a dead horse."

 Our flagship weeknight politics show  Politics Hub With Sophy Ridge  will be live on Sky News from 7pm.

The fast-paced programme dissects the inner workings of Westminster, with interviews, insights, and analysis - bringing you, the audience, into the corridors of power.

Sophy will be joined by Northern Ireland Secretary  Chris Heaton-Harris  and former England cricket star  Monty Panesar , who's standing at the next election for George Galloway's Worker's Party.

And on her panel tonight will be:

• Guto Harri , former aide to Boris Johnson;
• Andrew Fisher , former head of policy for Jeremy Corbyn.

Watch live on Sky News, in the stream at the top of this page, and follow live updates here in the Politics Hub.

The conversation with Sir Keir Starmer now turns to the Hartlepool by-election in 2021, which was triggered after the resignation of Labour's Mike Hill.

The Conservative candidate Jill Mortimer won with 51.9% of the vote - and a swing from Labour of almost 16%

Beth Rigby asks if the Labour leader considered resigning that day.

He said: "I did, because I didn't feel that I should be bigger than the party and if I couldn't bring about the change, perhaps there should be a change.

"But actually, in the end, I reflected on it, talked to very many people and doubled down and determined… no, it's the change in the Labour Party that we need.

"And I do feel vindicated, because we are now a changed party."

Sir Keir adds the by-election loss was a "low point" and "it really hit me because my job was to turn around the Labour Party and take us from defeat to success".

He adds: "Losing hurts, and it should hurt in politics because this isn't about me, it is about whether the Labour Party can come back into government and serve working people so yes, it was a very, very low moment. 

"It required me then to double down and turbocharge the change that we needed in the Labour Party, so in that respect, retrospectively it was a good thing because it forced that onward pace, but I am not going to pretend it wasn’t a really hard time."

Sir Keir Starmer has today reiterated that the Labour Party "need to show progress" in the local elections on Thursday, despite being around 20 points ahead in the polls.

He tells our political editor Beth Rigby : "We have to show progress, there is no doubt about that.

"We're a changed Labour Party, we have to show that people have the confidence and the trust to vote for this changed Labour Party."

The Labour leader says: "The polls don't predict the future.

"The polls don't change the country, but I'll be looking for that progress."

Beth asks what this progress would ideally be.

"We want to make gains, there's no doubt about it. We're here at Harlow, we need and want to take this council.

"The feeling if you talk to our activists - there is optimism on the ground."

He is then asked about mayoral elections, and what he believes his prospects are in the West Midlands, where Labour is up against Tory mayor Andy Street.

Sir Keir admits this will be "a fight", adding: "It's going to be very, very tight."

Labour leader Sir Keir Starmer has today insisted the government's Rwanda scheme is a "gimmick" after it was confirmed police have raided the homes of the first people to be deported.

It comes following the recent passing of the Safety of Rwanda Act, which declared the central African nation safe following concerns raised by the Supreme Court last year.

Asked about this today, Sir Keir said: "The Rwanda scheme is a gimmick. We don’t support it and we won't be implementing it."

Starmer vows to 'take down gangs'

Sir Keir continued: "And the proof is absolutely clear. The prime minister did a victory speech on Rwanda a week ago on Monday. 

"Since then 1,300 people have arrived by small boats. The legislation got royal assent last Thursday. Since then 900 people have arrived by small boats and 230 arrived yesterday, and just one person has gone on a voluntary basis to Rwanda. 

"Nobody but nobody could think that this is going to work. 

"The real work has to be done on stopping the boats by taking down the gangs that are running the vile trade in the first place, and that's why I have already been over to The Hague to talk to law enforcement about how if we are privileged to come into power we can tackle this from day one at cause and stop people from arriving by small boats in the first place."

By Jake Levison , news reporter

The government has opened a consultation on the disability support system PIP (Personal Independence Payment), meaning eligibility criteria and other aspects of it could change.

Proposed changes come as part of the prime minister's pledge to reform the welfare system if the Conservatives win the next general election.

The criteria for getting PIP could change, as could the types of payments received by those who are eligible.

But what is PIP, who is able to get it, what is the government planning to change and who would be impacted?

Here's what you need to know.

Kate Forbes narrowly lost out to Humza Yousaf in last year's SNP leadership contest.

Ms Forbes has told Sky News she is considering entering the race again in the wake of Mr Yousaf's resignation.

The former finance secretary faced backlash during her campaign last year after admitting she would have voted against gay marriage in Scotland when it was made legal a decade ago.

The Free Church of Scotland member also told Sky News that having children out of marriage is "wrong" and something she would "seek to avoid".

However, the MSP for Skye, Lochaber and Badenoch stressed that "in a free society you can do what you want".

Ms Forbes had argued that "continuity won't cut it".

After losing to Mr Yousaf by 48% to 52%, she said: "If we are to continue to win elections, we need to continue to listen and maintain trust."

Ms Forbes turned down the role of rural affairs minister, which at the time was seen as a demotion.

Although her views on social issues remain unpopular with some of her MSP colleagues, she was one of the few SNP ministers who did not delete her WhatsApp messages during the COVID pandemic.

Ms Forbes would face resistance from the Scottish Greens, who have previously ruled out working with her.

SNP colleague Fergus Ewing is backing Ms Forbes, saying she is "head and shoulders" above any other potential candidate.

By Jenness Mitchell , Scotland reporter

John Swinney is a name that has kept coming up since Humza Yousaf announced his resignation as SNP leader and Scottish first minister this week.

He's received the backing of party heavyweights like Stephen Flynn and Ian Blackford, and was the first to announce he's giving "very careful consideration" to running for the leadership.

Speaking to Sky News, Mr Swinney said: "I'm giving very careful consideration to standing to be the leader of the SNP.

"I've been somewhat overwhelmed by the requests that have been made of me to do that, with many, many messages from many colleagues across the party."

There and back again?

Mr Swinney stood down as deputy first minister following Ms Sturgeon's shock resignation in 2023.

The former SNP leader, who resigned from that post in 2004 following poor European Parliament election results, is clearly tempted to once again step into the spotlight following his year on the backbenches.

The MSP for Perthshire North, who was finance secretary under Alex Salmond's government, has the experience to hold the fort following Mr Yousaf's departure.

He ruled himself out of the 2023 leadership race, citing that he had to put his young family first.

Mr Swinney said he's got "lots of things to think about".

He added: "There's the whole question of my family. And I have to make sure that I do the right thing by my family, they are precious to me.

"I have to do the right thing by my party and by my country. So, there's lots to be thought about, and I'll give all of that consideration in the days to come."

By Ashish Joshi , health correspondent

The infected blood compensation scheme is to be extended to bereaved children who have lost one or two parents, Sky News understands.

This group has not been involved in the interim compensation scheme previously paid to victims of the scandal.

Tony Farrugia, who lost his haemophiliac father (and two uncles) to HIV/AIDs after being treated with infected blood products, described his meeting with the Paymaster General John Glen on Wednesday as "emotional".

Mr Farrugia said this significant moment "wasn't just about the money but that his loss has finally been recognised".

He will now be able to apply to the compensation scheme after Sir Brian Langstaff's report is published on 20 May.

You can read more from Sky News here:

Nominations have now opened in the SNP leadership contest to find a replacement for First Minister Humza Yousaf after he announced he was stepping down.

Senior figures have backed former deputy first minister John Swinney for the top job, while a smaller number of the party's parliamentarians have backed former finance secretary Kate Forbes.

Mr Yousaf has said he will stay on to allow a successor to be chosen.

How does the contest work?

The SNP's national secretary announced nominations had opened Monday at 11.59pm.

They will close next Monday.

Prospective candidates will need to gain the support of 100 members from 20 different SNP branches in order to qualify for the contest.

What happens next?

Whoever wins the contest will then need to be able to win enough votes in Holyrood to be elected first minister.

The SNP needs just two votes to secure an overall majority.

The most likely backers for the SNP would be the Greens, given both parties are pro-independence.

However, the Greens announced last week they would not support the first minister in a confidence vote after Mr Yousaf scrapped the powersharing agreement between the party and the SNP, which eventually led to his political downfall.

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Cost of Living in Moscow

This guide was written prior to Russia's 2022 invasion of Ukraine and is therefore not reflective of the current situation. Travel to Russia is currently not advisable due to the area's volatile political situation.

The cost of living in Moscow is quite high but is largely dependent on an expat's lifestyle. Expats working in Moscow who earn a decent salary will be able to manage day-to-day costs just fine, especially in comparison to those in major cities such as New York and London. Additionally, expats may be lured to Moscow by lucrative employment packages which offer benefits including private health insurance, a driver and schooling allowances.

While there are a few expenses in Moscow that expats will not be able to avoid, such as accommodation, many expats can decrease their cost of living through their choice of lifestyle . Living like the locals, which could involve cooking at home most nights and not spending large amounts of money on going out and visiting expensive tourist attractions, would certainly decrease expats living expenses, for example. 

Cost of accommodation in Moscow

Housing will likely be an expat’s largest expense in the Russian capital. Expats living in central areas can expect to spend more than a third of their monthly salary on rent. New arrivals looking for accommodation on a budget should consider exploring the areas and suburbs outside the city centre, while still bearing in mind public transport connections.

Additionally, while utilities may be cheaper than in major European capitals, expats in Moscow should budget for water, electricity and gas. These are not always included in the monthly rental and could be additional expenses.

Cost of transport in Moscow

From the metro, buses and minibus shuttles known as marshrutka to taxis and self-driving, there are many options for getting around. Each comes with its own costs, and expats may be pleasantly surprised by the affordability of transport in Moscow . Public transport tickets are fairly cheap, and petrol prices also fall below the global average.

Expats who plan on driving in Moscow may need to invest in car insurance, while others may opt to hire a driver. These may add to an expat's general expenses.

Cost of education and schools in Moscow

Families relocating with children will most likely need to cover the cost of school fees. Most expats who face a language barrier in Russia send their children to a private or international school that follows the same language and curriculum as their home country. Fees at international schools can be high, and preschool fees for young children are also fairly costly. Where possible, we recommend expats negotiate an allowance for school fees in their employment contract.

Cost of groceries in Moscow

The cost of groceries in Moscow can be comparable to or higher than prices in other major international cities. Prices for necessities like fruits, vegetables, and dairy products can be relatively affordable, while speciality items are generally pricier.

Cost of entertainment and eating out in Moscow

The cost of entertainment and eating out in Moscow can vary greatly and largely depends on the type of establishment. On the whole, though Russian prices are generally quite reasonable, prices in Moscow can be higher than what expats might expect. In terms of entertainment options, Moscow offers a wide variety of options to suit various interests and tastes. From visiting museums, theatres and concert halls to enjoying outdoor activities, expats will find a range of options to keep themselves entertained.

Cost of living chart for Moscow

Prices may vary depending on the product and service provider. The list below shows the average cost of living in Moscow before Russia's war in Ukraine and was last updated prior to 2022. 

Further reading

►An expat's expenses depend on their personal preferences and lifestyle choices. Get some insights on the lifestyle in Moscow

►For more info on expenses in the country as a whole, read Cost of Living in Russia

Expat Experiences "Meat, poultry and milk products are considerably cheaper compared to Indonesia. But fish and tropical fruits are as expensive as gold." Eva, an expat from Indonesia, shares her experience of moving to Moscow in her interview with Expat Arrivals . 

Are you an expat living in Moscow?

Expat Arrivals is looking for locals to contribute to this guide, and answer forum questions from others planning their move to Moscow. Please contact us if you'd like to contribute.

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