solo travel insurance

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The Ultimate Guide to Traveling Solo (2024)

Based in the Minneapolis area, Alora has a bachelor’s degree in psychology and a master’s degree in child, family and school psychology. Alora has worked with children with disabilities and as a freelance writer of commercial, blog and technical content. When she is not at the workplace, Alora can be found hiking with her dogs, chasing sunsets with her camera or plotting her next novel.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

If you’re thinking about traveling solo for the first time, you may feel excited, overwhelmed or both. We spoke with a series of travel experts who agree that solo traveling is a rewarding experience that can make you a better problem solver, offer personal fulfillment and allow you to become more in tune with yourself.

Yet, traveling solo comes with its own unique set of risks. Because you’re on your own, it’s up to you to plan your trip and stay vigilant when exploring new places. To help you plan your solo trip, we asked experts for travel advice — from making the most of your trip to safety tips.

• James Petrick , research fellow and associate department head of research for the Department of Hospitality, Hotel Management and Tourism at Texas A&M University
• Scott Rood , associate professor of hospitality and tourism management at Grand Valley State University in Michigan
• Kristin Lamoureux , PhD, collegiate associate professor of tourism and hospitality at Virginia Tech University
• Wan Yang , PhD, associate professor at the Collins College of Hospitality Management at California State Polytech University Pomona

Planning Solo Travel

Solo traveling is unique in that you get to experience a destination on your own, but this also means all the planning is up to you.

“[There’s] no compromising on where you go, what you eat or what other people find interesting,” said Dr. Kristin Lamoureux. “If you have a deep passion for studying the history of ancient dung beetles in Mexico, no one is going to argue with you.” 

To help you get started with your solo trip, we compiled a list of items to consider as you plan and book your travel arrangements. 

• Choose your adventure : Your solo trip is what you make it, and you get to decide exactly what you do. The biggest advantage of solo traveling is freedom, so choose the activities that align with your interests and travel to the destinations you want to explore. Dr. Wan Yang also recommends solo travelers do something they might not normally experience elsewhere. You might try a local dish, hike a mountain or go ziplining in the jungle.
• Pick your destination : As you plan your first solo trip, carefully consider your budget, timeline, comfortability with a new language, how you will get around and what activities you can do. First-timers may want to start with a solo weekend trip to get used to traveling alone, whereas more experienced travelers may consider a trip abroad to Europe, for example. 
• Create a budget : As with any type of travel, it is important to decide how much money you want to spend. Your budget should include the base cost of travel plus money for food, lodging, activities and spending cash. You can also consider purchasing travel insurance to cover unexpected trip cancellations and emergency medical bills abroad. 
• Check reviews before booking : Checking online reviews can help you choose safe lodging. Before you book a hotel, hostel or other type of housing, read online reviews from fellow travelers. You can use platforms like Expedia or Google Reviews to assess past customer experiences at a given location.
• Consider staying in hostels : If you’re looking for a way to save money and meet other solo travelers, consider staying in a hostel. At a hostel, you have the option to room with other travelers, attend social events and stay in central locations. Some hostels also offer private rooms if you prefer privacy. 
• Consider necessary documentation and luggage : Make sure you have any necessary documentation settled before you take off, such as your passport and required visas. While the amount of luggage you bring will depend on your trip and personal preferences, keep in mind that only you can transport items between destinations. If you want to pack ultralight and live out of just one bag for ease of access, you can take Professor Scott Rood’s advice and enjoy the freedom of backpacking.
• Make a flexible plan : While some travelers prefer to make plans on the go, others may want a general itinerary. You can make a goal for when you plan to wake up and research a few popular activities to do each day. As for the rest of the time, you can talk to locals and other travelers for recommendations. Even if a day doesn’t turn out exactly as you planned it, remember this is an opportunity for adventure. James Petrick advises that solo travel can not only provide a sense of accomplishment but also an opportunity to flex your time management and problem solving skills.
• Consider travel insurance: Accidents happen, and it’s stressful to deal with unexpected events when you’re on your own. “Travel insurance is always something to consider before embarking,” recommends Professor Scott Rood. With medical travel insurance specifically, you can add financial protection in the event of a health emergency abroad.

Safety Tips While Traveling Alone

While a solo trip offers the opportunity to reconnect with yourself, it is important to consider safety. Dr. Lamoureux encourages solo travelers to “be spontaneous but not naive,” meaning try and step out of your comfort zone but never compromise your safety in the process.

• Familiarize yourself with local customs and laws : When you travel abroad, it is important to familiarize yourself with the local culture and customs. Before your solo trip, research local laws, what to wear, body language and any other tips to know. You can look up tips on the internet, ask questions on social media or talk to fellow travelers who have already visited that location.
• Protect your personal belongings : As with any travel, make sure you secure your belongings and valuables while out exploring. To prevent someone from stealing your personal belongings, keep important items such as your phone and money in your front pocket, a bag across your waist or a concealed money belt. You can also store items in your hotel room or safe while out, and use luggage locks on your backpack and larger bags.
• Learn important lingo : If you plan to visit a destination where people speak a different language, Petrick recommends learning important phrases in their language. It can help to know basic questions and local slang before you go. Knowing at least a few basic phrases in the local language can help you in a pinch — say you need to find a bathroom or the train station. You can also use a translation app, such as Google Translate, but may not always have access if WiFi is required for use. 
• Ask for recommendations : One of the best ways to explore a new destination is to immerse yourself in the culture. For example, you can ask the locals where they like to eat, what they like to do and what to see while you’re there. You can ask your taxi driver or hotel staff for recommendations. However, continue to be aware of your surroundings and check lesser-known recommended spots online before you go.
• Share your location : Even though you’re traveling alone, it can offer peace of mind if someone else knows where you are. Petrick recommends sharing your location and travel plans with at least one friend or family member so that if something happens, someone knows where to look for you. To do this, you can share your location on your phone, use “find a friend” apps or plan daily check-ins. 
• Know your surroundings : If you plan to travel abroad or to a remote area, you can download a map of your location to keep on your phone at all times. Having a map can help you familiarize yourself with your surroundings, especially if you are not comfortable speaking the local language. If you prefer apps like Google Maps and want to use your phone abroad, check with your phone carrier about international data plans before you leave. Depending on where you travel, you can also try and find WiFi at a local library or coffee shop.
• Pack a first-aid kit : Lastly, consider having a first-aid kit on hand that includes basic items such as bandaids, pain medication and any prescriptions you need.  

Embracing the Solo Travel Experience 

Solo travel allows you to “sit and watch the world go by,” said Dr. Lamoureux. “You can sit back, hone your people-watching skills and enjoy the scene around you, which is why people travel to begin with.” It might seem daunting to book a solo trip, but doing so can offer a worthwhile experience. Here are a few tips to help you make the most out of solo traveling. 

• Keep an open mind : A unique aspect of solo traveling is that you are only responsible for yourself — there is no one else you need to account for. Only you decide what you want to do and when, so take that time to step out of your comfort zone and try new things. You might take a day to try local cuisine, explore a foreign city or take a chance on a new experience. 
• Make connections : Solo trips are certainly about exploring the world and finding yourself in the process, but that’s not to say it doesn’t get lonely at times. There are plenty of ways to meet fellow solo travelers and build connections. You can stay in a hostel, eat your meals at a restaurant, go on group tours or make an effort to start conversations with strangers. However, for safety purposes, exert a sense of caution when befriending new people and keep details to a minimum if asked about where you are staying or going next. 
• Consider group tours : Group tours offer a way to explore your destination and meet new people. From food and wine tours to free walking tours, you can find an option that piques your interest and helps you meet like-minded people in the process.
• Immerse yourself in the destination : While you may want to immediately visit famous sites, there are also ways to experience your destination as authentically as possible. To find non-touristy experiences, you can check local libraries, coffee house bulletin boards and community social media groups. Local tourism office webpages are also a good resource, and if you are staying at a hostel, you can ask the front desk or fellow travelers about other activities.
• Look for people with shared interests : If you want company on parts of your solo trip, you can find interest groups online or through your hotel or hostel. Check out Facebook, MeetUp or other social media platforms to find other solo travelers planning a trip to the same destination. 

Special Considerations for Travelers

People should have the opportunity to see the world as solo travelers regardless of age, ability, or gender identity. If your goal is to travel solo, consider the following tips.

Travel Tips for Women

For solo women travelers, safety is incredibly important. Unless it’s with a person you know and trust, exert caution when letting others know you’re a solo traveler. You might wear a fake wedding ring to ward off unwanted attention or carry a self-defense keychain or pepper spray for sticky situations. You can also connect with other female travelers either through your hostel or online groups.

If you go out on the town, Dr. Kristin Lamoureux recommends staying cognizant about drinking and making sure you always have a safe way to get back to your hotel or hostel. Never leave your drink unattended, and cover the top with a coaster when you are not drinking from it. She also recommends staying confident and acting as if you know what you are doing, even if you feel otherwise.

Travel Tips for Seniors

While some senior travelers may prefer to route their own adventure, others may find it easier to use an agency. Many resorts and cruises offer packages that include lodging, food, transportation and even activities for senior travelers, which can make planning easier. Travel agents can also offer help by planning your entire trip — so all you have to do is go.

Before you go, consult your doctor to make sure your health insurance covers you abroad and get travel tips based on any pre-existing medical conditions you have. If you do not have health coverage while traveling, consider purchasing senior travel insurance for financial protection should you get sick and need emergency medical assistance. If you have medication, always pack extra just in case you get delayed or decide to extend your trip.

Travel Tips for Students

With summers off and breaks in between semesters, students have an ideal time frame to plan a solo trip. However, if money is a factor for you as a student, we recommend you create a realistic budget and stick to it by staying at hostels, buying food from local grocery stores and using public transportation.

You can also capitalize on opportunities to take classes abroad. Studying abroad offers the opportunity to spend months in another country while immersing yourself in the culture, learning a new language and gaining the confidence to continue to travel solo. Many travel insurance companies offer coverage specifically for college students , whether you are planning a quick trip or staying for a semester. 

Travel Tips for People with Disabilities

While your disability does not have to prevent you from exploring the world, you may need to make some arrangements ahead of time. Transportation and hotels should have accessible accommodations, but you often have to book in advance. Instead of booking everything online, we recommend you call the hotel, airline and busing staff to make sure you get the accommodations you need.

If you require medical equipment, such as oxygen, call ahead and let your airline know. It’s also a good idea to wear medical identification tags and translate any medical needs into the primary language of your destination. If you have a service animal, research each country’s corresponding laws and airline regulations. 

The Bottom Line

Solo travel offers a way to explore the world on your own, creating new opportunities for growth and discovery. As you get ready to embark on your next trip, remember to stay safe, plan wisely and above all, enjoy the ride. By using tips from our experts, and considering a travel insurance policy , you can better prepare for your adventure — whether it is your first or even 100th solo trip. 

Our Experts

• James Petrick researches applying marketing and psychology principles to understand tourists’ purchase behaviors and how to market to them, as well as examining the physiological effects travel has. His Tourism Marketing Lab at Texas A&M University currently consists of 12 students and has been awarded over $3 million in research grants in the past 20 years.
• Scott Rood began teaching full-time at Grand Valley State University in Michigan in 2005 after having been an adjunct instructor there and at three other institutions. He holds bachelor’s and master’s degrees and has completed additional graduate coursework. His entrepreneurial experience includes holding general manager, owner and president roles in commercial recreation and business sectors. He has public sector experience with regulation and destination marketing organizations.
• Dr. Kristin Lamoureux is an accomplished hospitality and tourism educator with over 25 years of experience as a teacher, researcher and practitioner. She serves as a collegiate associate professor of tourism and hospitality at Virginia Tech. Previously, she was associate dean at New York University’s hospitality school and executive director of the International Institute of Tourism Studies at George Washington University. She has a track record of engaging industry and fostering collaboration.
• Dr. Wan Yang is an associate professor in the Collins College of Hospitality Management at Cal Poly Pomona. Before joining Cal Poly Pomona, she taught at the University of South Florida Sarasota-Manatee as an assistant professor and graduate program coordinator. Dr. Yang was born and raised in Beijing, China. She earned a Bachelor of Business Administration in Tourism Management from Fudan University. After graduating from college, Dr. Yang came to the U.S. and obtained a Master of Science in Hospitality and Tourism Management from the Isenberg School of Management, University of Massachusetts Amherst.

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Solo Travel Insurance: What You Need to Know

• Solo Travel

If you’re planning to embark on a solo adventure, it’s crucial to understand the importance of travel insurance. This guide will provide you with all the essential information you need to know about solo travel insurance, ensuring your journey is safe and worry-free.

The Ultimate Guide to Solo Travel Insurance: Everything You Must Know

Key Takeaways:

Key factors to consider when purchasing solo travel insurance.

When purchasing solo travel insurance, there are several key factors that you should consider to ensure you have the right coverage for your trip. Firstly, it is important to assess your specific needs and the level of coverage you require. Consider factors such as the duration of your trip, the destinations you will be visiting, and any activities or sports you plan to participate in.

Another important factor to consider is the cost of the insurance policy. Compare different insurance providers and their offerings to find a policy that fits within your budget while still providing adequate coverage. Additionally, it is crucial to carefully read and understand the policy’s terms and conditions, including any exclusions or limitations.

Lastly, consider the reputation and reliability of the insurance provider. Look for companies with a strong track record in providing travel insurance and check customer reviews for feedback on their claims process and customer service.

Differences Between Solo Travel Insurance and Regular Travel Insurance

Solo travel insurance differs from regular travel insurance in that it is specifically tailored for individuals traveling alone. While regular travel insurance typically covers a group or family traveling together, solo travel insurance provides coverage for individuals who are traveling alone.

In addition to covering common risks such as trip cancellation or interruption, medical expenses, and lost luggage, solo travel insurance may also include additional benefits that are particularly relevant for solo travelers. These can include coverage for emergency medical evacuation, personal liability protection, and even reimbursement for canceled plans due to a sudden illness or injury.

Furthermore, solo travel insurance may offer specific assistance services designed to support solo travelers during their trips. This can include access to 24/7 emergency assistance helplines or resources for finding local support in case of an emergency.

Priority Coverage Options for Solo Travelers

When purchasing solo travel insurance, there are certain coverage options that solo travelers should prioritize. One of the most important is medical coverage. It is crucial to have adequate coverage for medical expenses, including emergency medical evacuation if needed. This will provide peace of mind and financial protection in case of unexpected illness or injury while traveling alone.

Another priority coverage option for solo travelers is trip cancellation or interruption insurance. This can help reimburse you for non-refundable expenses if your trip needs to be canceled or cut short due to unforeseen circumstances such as illness, natural disasters, or other emergencies.

Additionally, personal liability protection is an important consideration for solo travelers. This coverage can protect you in case of accidental damage or injury caused to others during your trip.

Risks and Challenges Faced by Solo Travelers and How Travel Insurance Can Help

Solo travelers may face unique risks and challenges compared to those traveling in groups or with companions. One of the main concerns for solo travelers is personal safety. Traveling alone can make individuals more vulnerable to theft, assault, or other crimes. Travel insurance can provide assistance services and reimbursement for lost or stolen belongings, as well as access to emergency support in case of a safety incident.

Another challenge faced by solo travelers is the potential for medical emergencies without immediate support from family or friends. In such situations, travel insurance with comprehensive medical coverage becomes essential. It can cover the costs of medical treatment, hospital stays, and even emergency medical evacuation back home if necessary.

Lastly, solo travelers may also encounter logistical challenges such as flight cancellations or delays that can disrupt their itineraries. With travel insurance that includes trip interruption and delay coverage, solo travelers can receive reimbursement for additional expenses incurred due to these disruptions.

Situations Where Solo Travel Insurance is Especially Beneficial

Solo travel insurance can be especially beneficial in various situations. One such situation is when traveling to remote or unfamiliar destinations. In these cases, having travel insurance that includes emergency medical evacuation coverage can provide peace of mind, knowing that you will receive prompt and appropriate medical care if needed.

Another situation where solo travel insurance is beneficial is when participating in adventure activities or sports. Many standard travel insurance policies exclude coverage for certain high-risk activities, but solo travel insurance may offer optional coverage for these activities at an additional cost.

Additionally, solo travelers who have pre-existing medical conditions should consider purchasing travel insurance that covers their specific needs. This ensures that any medical expenses related to their condition are covered while they are traveling alone.

Age Restrictions and Limitations for Obtaining Solo Travel Insurance

When it comes to age restrictions and limitations for obtaining solo travel insurance, it varies between insurance providers. Some insurers may impose age limits on their policies, typically ranging from 65 to 75 years old. However, there are also insurers who offer coverage without any age restrictions.

It’s important to carefully review the policy details and terms before purchasing solo travel insurance, particularly if you fall into an older age bracket. Some insurers may require a medical questionnaire or impose certain exclusions or limitations based on pre-existing health conditions.

If you are an older traveler seeking solo travel insurance, it may be beneficial to compare different providers and policies to find one that offers suitable coverage for your needs and age group.

Comparing and Evaluating Different Solo Travel Insurance Policies

When comparing and evaluating different solo travel insurance policies, there are several factors to consider. Firstly, assess the level of coverage provided by each policy. Look at the maximum benefit limits for medical expenses, trip cancellation, and other key coverage areas to ensure they meet your needs.

Additionally, consider any exclusions or limitations mentioned in the policy. Some policies may exclude coverage for certain activities, sports, or pre-existing medical conditions. Make sure to read these details carefully and choose a policy that aligns with your specific requirements.

Another important factor to consider is the cost of the policy. Compare the premiums charged by different insurers and weigh them against the coverage provided. Keep in mind that the cheapest option may not always offer the most comprehensive coverage.

Lastly, take into account any additional benefits or services offered by each policy. This can include 24/7 emergency assistance helplines, access to local support networks, or reimbursement for travel delays or lost luggage.

In conclusion, solo travel insurance is essential for individuals embarking on solo trips. It provides necessary coverage and protection against unforeseen events, ensuring peace of mind throughout the journey.

Is it better to have individual travel insurance?

It is advisable to purchase single trip insurance as soon as you make your travel arrangements. This way, if you need to cancel your trip for reasons covered by your policy, you will have coverage in place. Single trip policies are usually less expensive than annual policies and are a cost-effective option for a one-time vacation.

What is the most important thing in travel insurance?

Your medical coverage is likely the most crucial aspect of your plan because if something goes wrong, it is where expenses can significantly accumulate.

What is not covered by travel insurance?

Typically, travel insurance plans, including those offered by Generali Global Assistance, do not cover certain events that can be reasonably predicted or anticipated, such as known storms, epidemics, acts of war, or travel restrictions imposed by government authorities.

Does single trip insurance cover cancellation?

With a single-trip policy for travel insurance, you will have coverage for cancellation starting from the day you buy the insurance. It is advisable to purchase coverage as soon as you make your holiday booking, so that you are protected against any unforeseen issues and won’t have to bear any financial burden if you need to cancel.

What are the two 2 basic types of travel insurance?

Typically, travel medical insurance is necessary to cover any medical emergencies that may arise during your trip, while package travel insurance is designed to protect you in case you need to cancel your trip. It is crucial to carefully review the terms and conditions of each insurance plan and provider, as the benefits and coverage can vary significantly.

What is usually covered by travel insurance?

The comprehensive travel insurance policy typically provides coverage for delays, cancellations due to illness or death, lost luggage, and certain emergency medical expenses.

🙂 Summary – Sidebars 🙂

s article discusses key factors to consider when purchasing solo travel insurance. It emphasizes the importance of assessing your specific needs and the level of coverage required, considering factors such as trip duration, destinations, and activities. The cost of the insurance policy should also be considered by comparing different providers and their offerings. Understanding the policy’s terms and conditions, including exclusions or limitations, is crucial. Additionally, reputation and reliability of the insurance provider should be taken into account by checking customer reviews. The article also highlights the differences between solo travel insurance and regular travel insurance, noting that solo travel insurance is specifically tailored for individuals traveling alone and may include additional benefits relevant for solo travelers.

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Travel Insurance for Solo Travelers: Ultimate Guide

Traveling solo can be an amazing experience, but it can also be risky. If you get sick, or injured, or your flight is canceled, you could be left stranded and out of pocket. The last thing you want to worry about when you’re traveling solo is your financial security. That’s why it’s so important to have travel insurance. Travel insurance can protect you from financial losses in the event of a medical emergency, flight cancellation, or other unforeseen events. It can also give you peace of mind knowing that you’re covered, no matter what happens.

Table of Contents

 introduction.

Traveling solo can be an exciting and transformative experience. It allows you the freedom to explore new destinations at your own pace, immerse yourself in different cultures, and discover your true independence. However, it’s essential to prioritize your safety and well-being while embarking on solo adventures. One way to protect yourself is by obtaining travel insurance specifically designed for solo travelers. In this article, we will explore the importance of travel insurance for solo travelers and the key factors to consider when choosing the right policy.

 Understanding the Need for Travel Insurance

Traveling alone introduces unique risks and challenges. Without a travel companion to rely on, unexpected situations such as medical emergencies, trip cancellations, or lost baggage can quickly turn into stressful ordeals. This is where travel insurance comes into play, offering protection and peace of mind throughout your solo journey.

 Benefits of Travel Insurance for Solo Travelers

Emergency medical coverage:.

Travel insurance ensures you receive necessary medical treatment in case of illness or injury during your trip.

Trip Cancellation and Interruption:

If unforeseen circumstances force you to cancel or cut short your trip, travel insurance can reimburse you for non-refundable expenses.

Lost or Delayed Baggage:

Travel insurance provides coverage for lost, stolen, or delayed luggage, minimizing the impact on your travel plans.

Emergency Evacuation and Repatriation:

In case of a medical emergency or political unrest, travel insurance can arrange for your safe evacuation and return to your home country.

24/7 Assistance Services:

Many travel insurance policies offer round-the-clock support, including medical advice, emergency assistance, and travel information.

  Coverage Options for Solo Travel Insurance

Medical expenses:.

Coverage for medical treatment, hospitalization, and emergency medical evacuation.

Reimbursement for non-refundable expenses due to unforeseen circumstances like illness, natural disasters, or travel advisories.

Baggage and Personal Belongings:

Coverage for lost, stolen, or damaged luggage and personal items.

Travel Delays:

Compensation for additional expenses incurred due to delayed flights or missed connections.

Personal Liability:

Coverage in case of third-party injury or property damage caused by you during your trip.

  Factors to Consider When Choosing Travel Insurance

Coverage limits:.

Ensure the policy provides sufficient coverage for medical expenses, trip cancellation, and baggage loss.

Pre-Existing Medical Conditions:

Check if the policy covers any pre-existing medical conditions you may have.

Destination-Specific Coverage:

Confirm that the policy covers your intended travel destinations.

Adventure Activities:

If you plan to participate in adventure sports or hazardous activities, ensure they are covered by the policy.

Exclusions and Limitations:

Read the policy carefully to understand any exclusions, limitations, or waiting periods.

 Tips for Finding the Best Travel Insurance Policy

Compare multiple quotes:.

Obtain quotes from different insurance providers to find the most suitable coverage at a competitive price.

Read Customer Reviews:

Research customer experiences and satisfaction levels with various insurance companies.

Seek Recommendations:

Ask fellow travelers or seek recommendations from travel communities for trusted insurance providers.

Evaluate Policy Features:

Compare the coverage, benefits, and exclusions of different policies to make an informed decision.

Check the Insurance Provider’s Reputation:

Verify the financial stability and reputation of the insurance company before purchasing a policy.

 Common Exclusions in Travel Insurance for Solo Travelers

Reckless behavior:.

Coverage may be denied if the insurer determines that the claim resulted from reckless or irresponsible behavior.

High-Risk Destinations:

Some policies may exclude coverage for travel to high-risk countries or regions.

Alcohol-Related Incidents:

Claims arising from alcohol-related incidents or intoxication may be excluded from coverage.

Unattended Belongings:

Loss or theft of unattended belongings may not be covered unless stored in a secure location.

Extreme Sports:

Participation in extreme sports or activities may require additional coverage or be excluded altogether.

 Making a Claim and Navigating the Claims Process

Contact the insurer:.

Notify your insurance provider immediately in case of an emergency or travel-related incident.

Gather Documentation:

Collect all necessary documents, such as medical reports, police reports, and receipts, to support your claim.

Submit the Claim:

Follow the insurer’s instructions to submit your claim accurately and promptly.

Maintain Communication:

Stay in touch with the insurer throughout the claims process for updates and clarifications.

Keep Copies:

Make copies of all submitted documents for your records.

Comparing Travel Insurance Providers

Coverage options:.

Compare the coverage options, including medical coverage, trip cancellation, and baggage protection.

Price and Deductibles:

Evaluate premiums, deductibles, and any additional fees associated with the policy.

Customer Service:

Consider the insurer’s reputation for customer service and responsiveness to queries or claims.

Financial Stability:

Assess the financial strength and stability of the insurance company.

Reviews and Ratings:

Read reviews and ratings from other policyholders to gauge their satisfaction and experiences.

Cost of Travel Insurance for Solo Travelers

The cost of travel insurance varies based on several factors, including your age, trip duration, destination, coverage limits, and the level of protection you require. Obtaining quotes from multiple insurers and comparing the coverage and premiums is advisable to find the most suitable policy for your needs.

 Ensuring Adequate Medical Coverage

When traveling alone, it’s crucial to ensure your travel insurance provides adequate medical coverage. This includes coverage for hospitalization, emergency medical evacuation, and repatriation. Additionally, consider any pre-existing medical conditions and confirm if they are covered by the policy.

Additional Considerations for Adventure Travel

If you’re planning an adventure-filled solo trip involving activities like hiking, scuba diving, or skiing, make sure your travel insurance policy covers these high-risk activities. Read the policy’s fine print to understand the extent of coverage and any additional requirements or exclusions.

Travel Insurance for Digital Nomads

Digital nomads, who frequently travel and work remotely, have unique insurance needs. Look for policies that cater specifically to digital nomads, offering coverage for their belongings, electronic equipment, and potential liability while working in different locations.

Travel Insurance for Senior Solo Travelers

Senior solo travelers may require specialized travel insurance to accommodate their age-related needs. Look for policies that provide comprehensive medical coverage, including pre-existing conditions, and consider any age restrictions or limitations.

Planning Ahead: When to Purchase Travel Insurance

It’s advisable to purchase travel insurance as soon as you book your trip. This ensures coverage for unforeseen events that may occur before your departure, such as trip cancellations due to illness, accidents, or travel advisories.

Travel insurance for solo travelers is a crucial investment that provides protection, peace of mind, and financial security during your solo adventures. By understanding the need for travel insurance, exploring the benefits, comparing coverage options, and considering additional factors, you can find the most suitable policy for your solo travels. Remember to plan ahead, read the policy carefully, and make an informed decision to safeguard your travel experiences.

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1. is travel insurance necessary for solo travelers.

   Yes, travel insurance is highly recommended for solo travelers as it provides essential coverage for medical emergencies, trip cancellations, and other unexpected incidents.

2. What should I consider when choosing travel insurance for solo travel?

   When choosing travel insurance, consider factors such as coverage limits, pre-existing medical conditions, destination-specific coverage, adventure activities, and exclusions.

3. Can I purchase travel insurance after booking my trip?

   It’s best to purchase travel insurance soon after booking your trip to ensure coverage for unforeseen events that may occur before your departure.

4. Does travel insurance cover lost baggage for solo travelers?

   Yes, travel insurance typically covers lost or stolen baggage for solo travelers, providing reimbursement for the value of the lost items.

5. Are adventure activities covered by travel insurance for solo travelers?

   Some travel insurance policies offer coverage for adventure activities, but it’s important to review the policy details and exclusions to ensure the desired activities are covered.

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11 Best Travel Insurance Companies in April 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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Adventure Travel Guide

Staying fit on solo travels, solo travel & remote work.

Ultimate Guide to Solo Travel Insurance

Venturing into the unknown solo can be one of life’s most exhilarating experiences, but it also comes with its own set of challenges and uncertainties. Embarking on a journey without companions not only requires courage but also a safety net that can only be provided by a comprehensive travel insurance policy tailored to the solo traveler. Understanding Solo Travel Insurance is more than a luxury; rather, it serves as an essential pillar for those who seek to explore the world on their own terms. This essay seeks to demystify travel insurance for the solitary adventurer, ensuring they are well-informed and prepared for the road ahead. From the crux of coverage options to shattering common misconceptions, we delve into the myriad ways in which solo travel insurance can safeguard your solitary sojourns.

Understanding Solo Travel Insurance

Title: Your Trusty Travel Buddy: Why Insurance is a Solo Adventurer’s Best Friend

As solo adventurers cast their sails to the far corners of the world, they’re greeted with the unknown wonders of new cultures, breathtaking landscapes, and tales waiting to be written. But even the most freewheeling spirits know that with great adventure comes the need for a safety net. That’s where travel insurance swings in, like the trusty sidekick to every wandering soul’s epic storyline.

One might say, “Why dampen the thrill with thoughts of insurance?” Well, think of it as a passport to peace of mind. Whether you’re navigating bustling city streets, hiking up misty mountains, or diving into the deep blue sea, knowing you’re backed up by travel insurance lets you fully embrace the call of the wild without the whispers of ‘what ifs’ haunting your journey.

First off, let’s tackle the less glamorous side of travel—medical emergencies. A slip here or a bug bite there can quickly escalate from “oops” to “ouch” to “oh no,” especially if your destination’s healthcare costs more than your entire trip’s budget. With travel insurance, however, you can get covered for doctor visits, medication, and even medical evacuation if the need arises. Instead of shelling out heaps of money, you can focus on getting back on your feet and back to your explorations.

Then, there’s the fact that nobody’s immune to the travel hiccups: cancelled flights, lost luggage, or last-minute changes. They’re the plot twists in our travel tales—often unwelcome, but always possible. Travel insurance acts like a buffer for these inconveniences, reimbursing for non-refundable costs, or covering expenses if your bags decide to take a detour without you. It turns panic moments into mere blips on your adventure radar.

And let’s not forget about personal liability. Accidentally causing damage or injury while soaking in the wonders of the world could land you in a sticky situation. Insurance is the superhero that steps in, covering legal fees and claims, so instead of fretting, you can keep floating on cloud nine.

Lastl, in the rare case you need to cut your adventure short, travel insurance ensures that the sudden change doesn’t drain your wallet. Whether it’s a family emergency or a natural disaster, returning home won’t add financial insult to the emotional injury.

So, here’s the scoop: travel insurance is the unsung hero of solo travel. It’s the invisible cape that lets adventurers leap into the global playground without worry. It empowers wanderlust warriors to chase sunsets, climb mountains, and navigate the roads less traveled, all while safeguarded in insurance’s protective embrace.

Remember, true freedom in travel doesn’t lie in leaving things to chance; it’s in knowing you’re looked after, so you can wholeheartedly chase the spontaneous and the splendid. Let travel insurance do the heavy lifting when things go awry, and you just keep collecting those soul-stirring memories, carefree and content. Bon voyage!

Choosing the Right Solo Travel Insurance Policy

Photo by cjtagupa on Unsplash

Common Coverage Options and Add-Ons

Diving deeper into the world of travel insurance, there are a few more treasures to discover that can make solo adventures as smooth as a tropical breeze. Navigating new horizons is thrilling, but smart travelers know that having the right coverage means they can keep their focus on the excitement instead of the “what-ifs.”

For those bitten by the travel bug not just once a year but multiple times, annual multi-trip policies are the golden ticket. Rather than purchasing a single policy for each trip, these clever plans cover all trips within a year, saving time and often money. It’s perfect for the spontaneous traveler who wakes up and thinks, “Where to next?”

Adventure seekers and adrenaline junkies, listen up! Planning to bungee jump in New Zealand, ski in the Swiss Alps, or scuba dive in the Great Barrier Reef? Coverage for extreme sports and adventure activities is a must. While standard policies may shy away from such thrilling pursuits, specific add-ons ensure peace of mind when embracing the more daring side of travel.

Tech-savvy travelers understand the importance of staying connected. From cameras documenting breathtaking views to laptops allowing for remote work, electronic devices are travel companions just as important as a good pair of shoes. Insurance for electronic devices ensures that if gadgets are stolen, lost, or damaged, the journey doesn’t hit a tech-less snag.

Imagine having a best friend in your pocket who knows all the local secrets, from the best street food to last-minute hotel deals. Personal concierge services included in certain travel insurance plans do just that, opening up a world of local knowledge and assistance on-the-go.

Sometimes, a suntan isn’t the only thing the weather adds to a travel tale. Storms and natural occurrences can play a big role in travel plans. Coverage for weather-related trip interruptions can help recover costs associated with delays and cancellations when Mother Nature decides to stir things up.

And now, the not-so-secret map to making the most out of travel insurance: reading the fine print. It’s not the most thrilling part of travel prep, but understanding exclusions, limits, and requirements turns travelers into savvy navigators of the insurance landscape, ensuring they get exactly what they need for their unique journey.

With each of these keys in hand, solo travelers can unlock a world of confidence, knowing they’re shielded from various travel mishaps. Go ahead, roam where the Wi-Fi is weak, scale that rugged peak, and book that last-minute flight—covered by a safety net crafted for adventurers by adventurers. Now, isn’t it time to plan that next getaway?

Navigating Claims and Assistance

Alright, fellow globe-trotters, let’s chat about staying savvy on our globe-trotting escapades when we need to make a claim or get some help. Our wanderlust fuels us, but it’s essential to remember that even in the most idyllic destinations, snags can happen.

Got a thirst for thrills? If your spirit of adventure has you bungee jumping in New Zealand or surfing in Costa Rica, look for a policy that’s got your back for these adrenaline-pumping activities. Normal insurance might not cover them, so make sure to check that box during your search for the perfect plan. It’s like having a safety net while you fly on the trapeze of life!

Now, think about your trusty gadgets that keep you connected, and capture those “can you believe this place?” moments. Smartphones, laptops, and cameras can be big-ticket items and, let’s be real, life-savers for the modern explorer. Insurance for your electronic devices could save you from the “ouch” of replacing them if they’re stolen or damaged. Because the only thing worse than a cracked screen is a cracked screen in the middle of the Sahara.

For those who love a touch of luxury, personal concierge services can make you feel like travel royalty. This perk offers assistance with reservations, recommendations, and more. These services turn problems into mere hiccups on your adventure map.

Now, what about when the weather decides it’s got other plans for you? Coverage for weather-related interruptions could be a trip-saver. Hurricanes, blizzards, volcanic ash clouds? They’re less scary when your insurance steps in to help rearrange your travels.

The final wisdom nugget: always, and I mean always, read the fine print. Yes, it can be as dull as watching paint dry, but knowledge is power, dear friends. Understand what you’re covered for and how to make a claim. This is the true adventurer’s toolkit – knowing how to navigate the practicalities so you can roam freely and fearlessly.

Stay wise, stay covered, and never stop exploring. Happy travels!

Photo by srz on Unsplash

Travel Insurance Tips for Different Destinations

Choosing the right travel insurance based on your destination.

Ah, the lure of turquoise seas, bustling markets, and mountaintop sunrises! As wanderers of the world, we’ve got our passports stamped and bags packed, always ready for the next adventure. But savvy travelers know it’s not just about the Instagram-worthy shots; it’s about journeying smartly. And that, fellow globe-trotters, means gearing your travel insurance to your destination.

Venturing off to areas prone to natural disasters? Think tsunamis, hurricanes, or volcanic eruptions. This is where travel insurance tailored for weather-related interruptions becomes gold. Some spots on our lovely planet have their own seasonal quirks. It’s smart to have coverage that steps in if Mother Nature decides to switch up your plans.

For those drawn to the serenity of remote places, it’s wise to consider the accessibility of local healthcare facilities. Locations off the beaten path may require pricier medical evacuation coverage. Likewise, urban explorers might want plans with coverage for theft, given the higher risks in bustling cities.

Got your eye on the highlands of Scotland or the ski slopes of Switzerland? Elevation can be a game-changer, as can chilly climates. Look for insurance that covers altitude sickness or frostbite treatment, and doesn’t shy away if you accidentally veer off-piste.

Beach destinations beckon with their siren songs, but don’t be caught off-guard by potential water hazards. Diving or water sports enthusiasts should seek coverage that doesn’t balk at underwater mishaps or boating blunders. Deep-sea diving and jet-skiing come with their own set of risks, after all.

Art and tech aficionados traveling with gadgets, from laptops to cameras, must consider coverage that values tech just as highly. A policy that covers theft, damage, and even tech-specific assistance can make a big difference in cities known for innovation and creativity.

Cultural hotspots with renowned festivals, think Rio’s Carnival or Spain’s Running of the Bulls, could mean crowds and chaos. Insurance that helps navigate the frenzy, offering support if belongings take a walk or if you accidentally bump into a reveler, could save the fiesta.

Learning the ins and outs of your travel insurance, like coverage limits and the claims process, isn’t as thrilling as boarding a flight. But when the unexpected unfolds, knowing the details will be as crucial as your trusty travel adapter.

In conclusion, align your travel insurance with your destination’s personality. Whether facing the unpredictability of nature or the risks of urban exploration, your insurance should reflect the unique challenges of your travel playground. Now, go forth and tailor that next trip with the savvy of a seasoned traveler! Happy and safe journeys await.

Photo by dnevozhai on Unsplash

As we’ve journeyed through the details and intricacies of solo travel insurance, the importance of being well-equipped with the right policy is clear. Solo travel brings with it an incredible amount of freedom and self-discovery, but it also demands a certain responsibility towards one’s own well-being. From handling unforeseen circumstances with ease to ensuring you can navigate local complexities without undue stress, the right travel insurance is the companion every solo traveler needs. By carefully selecting your policy, understanding your coverage, and preparing for the unexpected, you unlock the full potential of your travel experiences, leaving room only for the adventures and stories you’ll return with.

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Travel Insurance for Solo Travelers: The Importance of Being Prepared

Solo travel is an exhilarating experience that allows you to explore the world at your own pace and on your terms. The sense of independence and freedom that comes with solo travel is unparalleled.

However, it also comes with a unique set of risks and challenges. One of these is ensuring you are adequately insured for the unforeseen incidents that can occur on the road.

This article will delve into the importance of travel insurance for solo travelers and how to choose the right coverage for your journey.

1. Understanding the Importance of Travel Insurance for Solo Travelers

Travel insurance provides a crucial safety net for solo travelers. Here’s why:

• Financial Protection : Travel insurance can cover a wide range of financial risks, from trip cancellations and interruptions to lost or delayed baggage and stolen personal belongings. This protection can save you from significant out-of-pocket costs.
• Health and Safety : Travel insurance typically covers medical emergencies, which can be particularly vital for solo travelers who won’t have a travel companion to rely on in case of a health issue. Coverage can also include medical evacuation, ensuring you can access proper medical facilities if needed.
• Peace of Mind : Knowing you’re covered if something goes wrong can provide valuable peace of mind, allowing you to fully enjoy your solo adventure.

2. What Solo Travel Insurance Covers

Travel insurance for solo travelers usually covers:

• Trip Cancellation/Interruption : If your trip is cancelled or cut short due to covered reasons, you can be reimbursed for pre-paid, non-refundable expenses.
• Medical Emergencies : In case of illness or injury during your trip, the policy can cover medical expenses and emergency evacuation if needed.
• Baggage and Personal Effects : If your baggage is lost, damaged, or delayed, or if your personal belongings are stolen, the policy can provide coverage.
• Travel Delays : If your trip is delayed due to covered reasons, you can receive compensation for additional accommodation, meals, and transportation costs.

3. Choosing the Right Solo Travel Insurance

Choosing the right travel insurance policy for your solo trip depends on a variety of factors:

• Destination : The destination affects the cost and type of coverage you may need. For instance, if you’re traveling to a region with high medical costs, you’ll need a policy with substantial medical coverage.
• Activities : If you plan on engaging in adventurous activities, like trekking, skiing, or diving, you may need a policy that covers these activities.
• Length of Trip : Longer trips may require more comprehensive coverage, especially regarding medical expenses and trip interruption.
• Value of Trip : If you’ve invested a significant amount in pre-paid, non-refundable expenses, you’ll want robust trip cancellation/interruption coverage.
• Personal Health : If you have any pre-existing conditions, make sure they are covered, or consider a policy with a pre-existing conditions waiver.

4. The Solo Traveler’s Responsibility

It’s essential to understand your responsibilities when you purchase a travel insurance policy:

• Accurate Information : When purchasing a policy, you must provide accurate information about your health, age, destination, and trip length.
• Understanding Exclusions : Each policy comes with exclusions. It’s important to know these exclusions and adjust your travel plans accordingly.
• Claims Process : If you need to file a claim, you’ll need to follow the insurance company’s specified process and provide all necessary documentation.

Traveling solo is an enriching experience, and with the right travel insurance, it doesn’t need to be a risky one. Adequate travel insurance provides financial protection, peace of mind, and support in case of medical emergencies.

It’s vital to understand what your policy covers, the exclusions, and your responsibilities as a policyholder. With the right policy in place, you can focus on the most important thing – enjoying your journey and creating unforgettable memories.

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Travelling alone is a distinct experience that opens up a world of possibilities and challenges. While the excitement of solo travel is undeniable, it also heightens the need for meticulous planning and safeguards. This is where Solo Travel Insurance comes into play. Unlike standard travel insurance packages designed with the average traveller in mind, solo travel insurance can be tailored to meet the unique needs and circumstances of travelling alone. Add-ons and enhancements are pivotal in crafting a package that offers comprehensive protection against the unpredictable elements of solitary adventures.

Why Bother with Travel Insurance?

Travel insurance coverage is a financial and logistical safety net for unforeseen circumstances. An accident, a last-minute flight cancellation, or even a misplaced bag can incur unexpected expenses and complications. Travel insurance provides a cushion that can absorb these sudden shocks, enabling the traveller to recover losses and seek timely assistance when necessary. Moreover, a trip might be a significant financial investment that warrants protection against unforeseeable disruptions.

Basic Coverage: 

Basic travel insurance packages often include coverage for medical emergencies, holiday cancellations, and lost or stolen belongings. While not overly elaborate, this coverage forms the essential layer of protection. For instance, medical emergencies can occur at any time and might require immediate attention, especially in unfamiliar territories where healthcare systems might not be easily accessible. Similarly, trip cancellations can lead to a complete loss of investment in bookings, and lost belongings can be expensive and essential items to replace.

Adventure Activities: 

Motorcycling during a trip is exhilarating but comes with its risks. Standard travel insurance packages generally exclude high-risk activities such as motorcycling. However, additional coverage specifically designed for such activities can be added to a policy. This add-on covers accidents, mechanical issues, or even liability toward third parties while motorcycling. It alleviates the financial risks involved, thus allowing the traveller to explore terrains with assurance.

Adventure Activities for the Extreme Sports Fanatic

Extreme sports like skydiving, bungee jumping, and hang gliding might not be everyone’s cup of tea, but they are undeniably thrilling experiences for those who seek the adrenaline rush. While the excitement level is high, so are the risks. Therefore, an adventure sports add-on is crucial. Extending the base coverage to include financial protection for extreme sports injuries. The coverage might include rescue operations, hospitalization costs, and even transportation back to the home country if required.

Don’t Let Snow Trip Up the Plans

Winter sports like skiing and snowboarding bring unique joys and challenges. The pristine beauty of snow-covered slopes can be pretty enticing, but the associated activities are not without risks. Snow sports coverage is an add-on that deals with these specific perils. From medical emergencies to equipment damage and piste closures, this additional coverage ensures that the winter sports experience remains thrilling yet secure.

Tech Gadgets

In today’s digitally connected world, gadgets like smartphones, laptops, and cameras are not just luxury items but necessities. Losing or damaging these devices while travelling can result in financial loss and significant inconvenience. To mitigate this, travellers can opt for gadget coverage, an add-on that ensures the cost of lost, damaged, or stolen electronic devices. With this additional coverage, there is greater peace of mind when carrying and using essential gadgets during travels.

The Ultimate Flexibility

Flexibility in travel plans is often crucial, but standard insurance policies usually cover cancellations for specific reasons. Therefore, the “Cancel for Any Reason” add-on is appealing. While more expensive than the base package, it provides unparalleled flexibility, allowing the cancellation of a trip for virtually any reason with a percentage of the cost refunded, subject to the terms of the policy. It safeguards against last-minute changes and unexpected events that might prevent travel.

Legal Protection

Legal issues in a foreign country can be both daunting and complicated. A misunderstanding or an unfortunate event could lead to unexpected legal challenges. For such scenarios, some travel insurance packages offer the option of legal cover as an add-on. This enhancement provides financial assistance for legal advice and representation, thus equipping the traveller with a crucial layer of protection in unfamiliar legal terrains.

Natural Disaster Cover

Natural disasters are inherently unpredictable and can disrupt even the most well-planned travels. These events can be especially challenging when experienced in a foreign country. An add-on for natural disaster coverage includes emergency accommodations, transportation, and other associated expenses. The add-on safeguards against the financial repercussions of disruptions caused by forces of nature.

Global Pandemic Coverage

The global landscape has changed dramatically due to pandemics, making travel more complex and unpredictable. Conventional travel insurance policies often do not cover disruptions or medical expenses related to pandemics, leaving a gaping hole in the traveller’s safety net. Therefore, a global pandemic coverage add-on has become increasingly essential. This enhancement can cover pandemic-related issues such as quarantine expenses, trip cancellations due to border closures, and medical expenses if the traveller contracts an illness abroad. It may also cover the costs of returning home if flights are cancelled or re-routed due to pandemic-related restrictions. This additional layer of protection helps mitigate the uncertainties of travelling in a world where conditions can change rapidly, offering travellers greater peace of mind as they venture into new territories.

Conclusion: 

Venturing alone into new landscapes presents both exhilarating opportunities and unique challenges. Hence, constructing a robust safety net is not just an option but a necessity. Solo Travel Insurance provides the foundation upon which this safety net can be built. With an assortment of add-ons and enhancements, solo travellers can create a unique package that caters to their needs and the specific risks they might encounter. Being prudent and choosing the right coverage translates into peace of mind and financial security, making solo travel a genuinely enriching and liberating experience.

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June 1, 2020

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Why Emergency Medical Benefits Make for Smarter Solo Travel

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Why every female solo traveler needs a card with travel insurance

Update : Some offers mentioned below are no longer available. View the current offers here .

Solo travel has a lot of benefits. It's a chance to step outside of your comfort zone, meet new people from around the world and spend time doing some inner reflection. However, solo travel also comes with risk, and in many places, this risk is heightened for female travelers. Accidents, emergencies and unavoidable hiccups in your travel itinerary happen -- and these situations can be even more stressful when you're traveling alone as a woman.

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This is where travel protections and insurance come in. You can buy comprehensive travel insurance plans from a third-party provider , which is a good idea when you're doing anything potentially dangerous like mountain climbing or taking an extended trip. But many credit cards also offer base protections that can be a lifesaver when you're abroad. In my opinion, everyone should have some sort of travel insurance coverage when they are traveling abroad. However, female solo travelers, in particular, should double down to make sure they're protected throughout their trip, no matter what comes up.

In this guide, we'll walk through a few solo travel situations and the type of travel insurance coverage that will be most important to have for your trip.

Related: Is credit card travel insurance sufficient on its own?

When you're traveling somewhere new

Coverage needed: Travel assistance hotline

Unfortunately, there are some destinations that are riskier for female solo travelers, whether due to crime rates, local laws or a mix of the two. When you're traveling somewhere you've never been before (especially if your destination is off the beaten path ), access to a travel assistance hotline can be invaluable.

This type of benefit has different names across credit cards. Amex has a benefit called Global Assist Hotline , while Chase and Bank of America both call this benefit "travel and emergency assistance."

A travel assistance hotline can help if you lose your passport or luggage, need an emergency legal referral or need to find reputable medical care while abroad. Traveling alone can be stressful, especially when something goes wrong. A travel assistance hotline can help alleviate some of that stress and let you focus more on your trip. But note that you'll be on the hook for any charges that come with the assistance.

When your flight home is delayed

Coverage needed: Trip delay reimbursement

It's an unfortunate fact of air travel: Planes are often delayed. Sometimes, a delay is just a minor inconvenience. However, if you have a connecting flight with a shorter layover, a delay can be the start of a nightmare. Solo travelers could end up stranded alone at an airport overnight or longer while waiting for the next available flight, which can cost hundreds of dollars in out-of-pocket expenses.

In some cases, extra planning can help avoid a missed flight due to a delay. If you know the route you're flying often experiences delays, you can simply make sure you book a flight with a longer layover. But oftentimes, delays are unavoidable and unexpected. Trip delay reimbursement will offset most, if not all, of the reasonable costs associated with a delay that's out of your control.

Chase and Amex both have a number of branded and cobranded cards that offer this protection, including the Chase Sapphire Reserve and The Platinum Card® from American Express. A few other cards, such as the Bank of America® Premium Rewards® credit card, offer the benefit, too.

Related: Best cards that offer trip delay insurance

When you get hospitalized abroad

Coverage needed: Emergency evacuation insurance and/or emergency medical insurance

No one wants to think about the possibility of getting injured or sick while on a trip, but it does happen. You could fall while hiking or skiing, or catch a nasty bout of food poisoning that dehydrates you to the point of needing a trip to the emergency room. And as the pandemic continues to affect destinations both domestic and abroad, the chance of you getting stuck in quarantine while on your trip is a real possibility.

Unfortunately, your standard health insurance most likely won't cover any doctor visits, hospitalizations, medical transportation or medications you need while traveling internationally. Emergency evacuation insurance will cover out-of-pocket expenses if you need a medevac or some other type of transportation to get to needed medical help. Emergency medical insurance will provide coverage for unexpected medical costs such as an ER visit.

Currently, the Chase Sapphire Reserve is the only travel card that offers both emergency evacuation insurance and emergency medical and dental insurance coverage, but the Amex Platinum and U.S. Bank Altitude™ Reserve Visa Infinite® Card both offer emergency evacuation insurance.

The information for the U.S. Bank Altitude Reserve card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

When your rental car breaks down

Coverage needed: Roadside assistance

Whether you get a flat tire (and don't have the means or ability to replace it) or have an engine issue, it can be nerve-wracking to be stranded on the side of the road by yourself. This is when roadside assistance can be a lifesaver. If you're in an area you're unfamiliar with, calling your card's roadside assistance hotline will be easier than frantically searching for a nearby mechanic or tow truck. Depending on the specific provider and coverage plan, services such as towing, winching, jump-starts, fuel delivery and more could be partially or fully covered. Cards with this benefit include the Chase Sapphire Reserve, United Explorer Card, Chase Freedom Unlimited, Capital One Venture Rewards Credit Card and the Bank of America Premium Rewards credit card.

Related: Best credit cards that offer roadside assistance in 2021

Choose a credit card with travel insurance

Comprehensive travel insurance with a third party can add hundreds of dollars to the cost of your trip, depending on your travel plans. However, many premium travel cards come with travel insurance included when you use your card to pay for at least part of your flight. Note that coverage and specific benefits vary between cards.

Related: The best credit cards with travel protections

Right now, the Chase Sapphire Reserve is the only credit card that offers emergency medical and dental insurance. However, other premium travel cards from Chase , Capital One and Amex offer a nice set of protections that can help you in most cases. When you're comparing credit cards, take a look at the travel coverage details offered. Additionally, make sure that when you're booking a solo trip, you're using a card that offers the benefits you might need.

Bottom line

Travel insurance is something that every traveler should consider before taking a trip abroad, but there are specific types of coverage that solo travelers should look for when choosing a credit card to pay for their trip. Accidents and illnesses can turn into nightmares filled with arranging emergency transportation and handling nonrefundable ticket costs . With the travel protections offered by premium cards, such as the Chase Sapphire Reserve, you have peace of mind that you're covered through your travels.

It's also a smart idea to look into more comprehensive coverage offered by a third party , especially if you'll be traveling for an extended period of time. Medical coverage and trip insurance that covers more than just approved emergency expenses could come in handy.

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

Additional reporting by Stella Shon.

Solo Traveler

Solo travel tips, destinations, stories... the source for those who travel alone.

The Ultimate Solo Travel Guide: Travel Alone & Love It

January 4, 2024 by Janice Waugh

What is solo travel? After 15 years of traveling solo, I've concluded that it is two things. Solo travel can be done independently or on a group tour. Essentially, solo travel is when you leave behind everyone you know and embark on a trip. Independent solo travel is when you plan and navigate the travel yourself. Group solo travel is when you join a tour or cruise alone. Both provide the unique experience of exploring the world without family and friends who have expectations of you. It's about discovering who you are when no one (that you know) is looking.

Traveling alone delivers access to the world in ways that other forms of travel don't. It is an essential mode of travel, at least some of the time.

However, not everyone takes to it naturally. Some worry about traveling solo. There are concerns around loneliness, safety, and more.

While we have hundreds of articles on the site that get into the details of how to travel solo, here, in one place, is the ultimate guide for those who want to travel alone. The tips in this post will help you have the best experience possible. They will help you travel alone and love it.

If you are traveling independently, read on.

If you plan to go on an organized tour, don't miss our page of tours with no or low single supplement . It's updated at least once a month and if you'd like to receive it via email you can sign up here .

Table of Contents

Why You Will Love Solo Travel

When you travel alone, you travel on your terms. You get to do what you want, when you want. You can connect with people if you wish or avoid them completely. Those are the obvious benefits for going solo as a traveler.

But there are many benefits of solo travel that affect your whole life. The experience encourages you to stretch and grow as a person. You gain confidence and get better at problem solving. You understand yourself better, become more independent, and become a more interesting person.

For more, read Why Travel Solo? 15 Reasons Going Alone Makes Travel Better . Now, let's get on to the ultimate solo travel guide.

Your Guide for Planning to Travel Alone

Planning a solo trip takes a bit of time and thought. To cover everything, this would be an extremely long article. Instead, I'm pointing you to some of the basic planning posts on Solo Traveler. There over 600 posts on Solo Traveler. This just takes you to the ones that cover the fundamentals.

• Solo Travel Planning Guide with Trends, a Checklist, and Insider Tips
• Solo Travel Safety: 50+ Proven Tips to Keep You Safe
• Carry-On Packing List That Makes Sense: Traveler Tested
• Best Accommodation for Solo Travelers
• A Complete Guide to Travel Insurance for Solo Travelers
• Eating Alone Is Easy When You Know How

Ultimate Tips to Travel Alone and Love It!

Let's get into the experience of traveling alone.

For some people, enjoying a solo trip comes naturally. Others have to work at how to travel alone. Most who do, fall in love with it. Here are a few things you can do to ensure a great solo adventure.

1. Visualize the trip you want. It's all about you.

Start thinking about the opportunities that are present when you travel alone long before you leave. Is it down time you really want? Build that into the plan. Are you after a creative travel experience ? Research the opportunities before you go and then dream on them until you get there.

2. Gather firsthand knowledge before you go. Personal stories tell you more.

Talk to people who have already traveled to your destination. Doing this was so incredibly helpful when planning my trip to Patagonia. At the time, no amount of research helped me plan the logistics. Talking to people who had made a similar trip gave me insight into the travel options and tips on how to avoid the mistakes they had made. Use your social network to find people. Join online meetup groups based in your destination. Find expat groups at your destination. By talking to people you will learn more about things to do as well as things that are not really for you.

3. Learn to chat with strangers.

Starting conversations with strangers can be a challenge, especially when you're an introvert like I am. However, these conversations can be trip-changing, if not life-changing. There are many skills that can be developed for this and one is never too old to learn them. In fact, it was only when traveling alone after my husband passed away that I learned how much I had grown and taken on the techniques of an extrovert. I learned that I could talk to strangers easily.

4. Tap the experience of the people you meet. Get current information.

As a solo traveler, you'll meet more travelers and locals than those who travel with a partner. Ask a traveler about the best thing they've done so far or a local for the best hidden gem restaurant in the area. The people you meet and the advice they offer will greatly enrich your trip.

5. Be flexible with your plans. Opportunities arise!

When suggestions or opportunities arise from these chance encounters, be flexible enough to act on them. There are times when flexibility must reign and the schedule should be thrown away. I do this most often on road or rail trips.

6. Don't over-plan. You will absolutely need relaxing time.

Managing your travels yourself takes more energy than if you are with someone else. It is important to have extra time in your itinerary to wander a market leisurely, linger over a coffee at an outdoor café, or take that trip into the mountains you hadn't considered.

7. Be patient. Take time to settle in and learn how the city works.

It can be difficult arriving in a new city alone. Take your time. Take a day to relax, watch the city function, and settle in. Read Solo Travel Confidence: How to Be Strong, Capable, and Safe .

8. Explore your destination at different levels. Gain different perspectives.

In London, it's natural to take the Tube. However, riding on the top of a double-decker bus gives you another perspective on the city. But you still wouldn't want to miss the Tube as it's an experience unto itself. My point is, explore the city in as many ways as possible: on foot, by bicycle, via public transit. Take a taxi and talk to the driver. Rent a car and learn what it's like to park or drive on the opposite side of the road. Every mode of movement offers new perspectives.

9. Take in local events. Get to know the daily life of a culture.

Whether it's a street festival or a sporting event, these are opportunities to rub shoulders with locals, offering insight into the culture and, potentially, fun conversations. Events made for tourism will not be as successful for this as events created by and for locals.

10. Be proactive if you’re unsure of yourself.

Ask for help. Standing around looking dazed will not get you where you want to go and it may get you noticed by the wrong people. Go ahead, smile, and ask for help. It's one of the fundamentals of staying safe as you travel solo .

11. Eat locally! Discover the culture through food.

There is nothing like exploring the local cuisine. It gives you a new path into your destination's culture, history, and geography. There is always a reason, historical or geographic, for a specific cuisine that can be explored through your tastebuds and your mind.

12. Shop where the locals shop.

Are you into home renovations? Then a hardware store in another country could be quite interesting. Are you a foodie? Go to the grocery store or the street where all the specialty vendors are located. Are you into fashion or interior decorating? Again, explore (you don't have to buy) where the locals shop.

13. Know which way is up. An old-school map is your friend.

Study a map of your destination. Get to know it. Get a sense of direction using major landmarks like Central Park in New York City or the CN Tower in Toronto. This will help you explore cities happily, with greater confidence. Read How to Navigate a New City Solo .

13. Find people who share your passion.

Whether it's chess or poetry or badminton or books, there will be hubs or groups that share your passion at your destination. Many destinations have an English bookstore which is typically a great resource for events you will want to attend. Google search or find them on meetup.com. What a great way to combine your love of travel with your love of other things.

14. Take day tours and classes.

There are many benefits to punctuating your independent trip with local tours such as cooking classes . You have new ways to better experience your destination, enjoy some social time (after all, solo travelers are not necessarily loners), and you get to take a break and let the tour company run the logistics and planning of the experience.

15. Have great evenings out.

Just because you're traveling solo doesn't mean you have to stay in at night with a book. There are many options for things to do in the evening. If you're in a country where you don't speak the language, music is a good bet. Read What to Do at Night When Traveling Alone and How to Enjoy Going to a Bar Alone When You Travel .

What If You Don't Love Solo Travel?

Let's face it, not everyone likes the same thing. Some people will travel alone and, for one reason or another, not enjoy it.

The first thing I suggest is that you be patient. You're not going to find your solo travel groove on the first day of your first trip. You need to give yourself some time to settle into your destination and apply some of the many travel alone tips above.

If, then, you're still not loving it, read  What If You Travel and You Don’t Love It ? and the advice of other solo travelers in Feeling Overwhelmed? How to Conquer First-Day Solo Travel Anxiety .

Round Out Your Guide to Solo Travel with These Resources

Here are a few posts to explore to help you plan your best solo trip.

• How to Save Money for Travel
• How to Plan Your Travel Budget: Luxury or Frugal
• Best Solo Travel Destinations: Real Solo Travelers Love These
• Feeling the Pinch? Solo Travelers Save Money at The Airport
• How to Get Through an Airport by Yourself with Ease
• Carry On Packing List That Makes Sense: Traveler Tested
• Checked Baggage: Top Planning and Packing Tips.
• Best VPN for Travel: What, Why, How & New Recommendations
• Road Trip Alone with Confidence: 10 Tips for a Great Trip

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5 Solo Travel Insurance Mistakes to Avoid

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Solo Travel Insurance Mistakes to Avoid: The sudden failure of fabled Thomas Cook travel industry stalwart underscores the need for travel insurance.  This is really key for singles travelers. The reason why? Without a travel mate, a small problem can grow into a trip buster.

This is really key for singles travelers. The reason why? Without a travel mate, a small problem can grow into a trip buster.

Having been a solo female traveler since my school days, I always buy travel insurance when I go abroad. The reason? No matter how much I plan or how careful I am, my (mis) adventures almost total my adventures. While I found most were the result of unexpected occurrences, I was glad to get home in one piece:

On 9/11, I found myself stranded solo in Europe for eight days. As much as I love European travel, my travel budget took a big hit. New additions to the bottom line included a week plus of new hotel lodgings, meals and local transportation.

Off the coast of West Africa, I found myself in the midst of an unpublicized cholera epidemic.

In a major European capital, I was robbed in broad daylight at a train station.

In Zimbabwe, a footbridge over the Zambezi River broke under me. Luckily, a group of strangers rescued me pulling me by my arms into my waiting sunset cruise boat. Only later, I found out that the section of the river below was known for crocodiles feasting where the fishermen threw their leftover bait. While my leg was battered and bruised, fortunately it was not broken.

Most solo travelers will never have such a smorgasbord of potential travel calamities. In any case though, travel insurance can be a real easy way to avoid a chaos disrupting a hard-earned vacation.

It is true that finding your way through the thicket of competing solo travel insurance policies can be hard. Here are our five updated tips to make it easier.

5 Solo Travel Insurance Mistakes to Avoid: Fine Print Matters:

Read the definitions/exclusions carefully.

Tip Number One:

Remember that travel insurance policies are drafted to cover unexpected losses and issues. As a result, they will not pay for “known risks”. So if the traveler knows about an issue, he or she would be viewed as assuming that risk, themselves. For example, what if you had a flight on British Air Sept. 2019 and read about the highly publicized planned strike?  You rush out and buy travel insurance. You could not recover for the loss because you were aware of the risk when you bought the policy.

Tip Number Two:

In  the view of travel insurance companies, not all companion coverages are equal. Your claim can depend upon the type of relationship you have. However, if your cancellation or other trip claim is based on his or her unavailability, the main factors will be the nature of that unavailability.  Aside from insurance claims, getting refunds from other vendors’ prepaid fees can be hard. For example, Air B&B may have you jump through many hoops.  In one case, where emergency surgery caused a wedding to be cancelled, Air B&B  went back and forth seeking documentation.  One issue: The injured, ill guest was not listed on the reservation. Our tip: Put the name of all guests on the reservation. If you do not do that, be prepared to provide plane tickets and itineraries or other proof of travel plans.

Understand the Claims Process.

Payment is subject to the claims process upon you return home.

Tip Number Three:

Be aware that insurers pay claims in arrears once you return. In a true emergency, be sure to have a credit card with enough extra available credit to get an advance while still on your trip.

Plane ticket costs can be tricky to recover in full.

Tip Number Four:

Read carefully when you buy a non-refundable plane ticket. Before you make a claim, see if you can reschedule your travel albeit with a penalty added. You will likely still have a loss. However, it may be a more limited one than the full price of the plane ticket.

Consider coverage known as multiple trip insurance if you have frequent travel and “CFAR” policies in uncertain times.

Tip Number Five:

If you are planning to travel many times in one year, compare prices and coverage for multiple trips in the upcoming year ahead. In addition, if you are looking to travel in challenging times, consider a Cancel for Any Reason or “CFAR” policy. They come at an added cost and have timing restrictions. However, they allow for cancellations for any reason, including simply a fear of travel. This has been of increased interest after the COVID-19 pandemic and also during times of civil unrest or terrorist activity at a chosen destination. CFAR policies are sold at a premium. That adds to your cost but can be a real savings if you need it. Think about the following surprises that can cause you to cancel a leisure trip:

• A work matter means that you must be in the office during your earned vacation time.
• Political unrest makes your destination too risky to travel there.
• Epidemics, such as the Coronavirus and the Ebola virus, raise health concerns or have caused borders to close.
• Natural disasters, such as hurricanes, have made it necessary to defer travel at that time.

For more information, please see our 7 Tips on Travel Insurance for Solo Travelers .

See also InsureMy Trip .  You should not overlook travel insurance for your upcoming trip. We have partnered with InsureMyTrip, because they are the best option to compare plans and find the right coverage for you. They have thousands of travel insurance plans and a one-of-a-kind recommendation engine to help travelers find the right plan. Most importantly, they will be there for you before, during and after your trip if you should need anything – especially help with a claim with the provider.

Go to our fee solo travel search engine, the SoloTravelPricingTracker.net for more information on tours and cruises with no single supplements and solo lodging deals.

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Travel Insurance for health cover

• by Solo Traveler
• May 15, 2012 July 3, 2019

Travel or medical insurance is such a boring subject for the intrepid solo traveller to consider and its often one of those things that gets left to the last minute. However, it is probably one of the most important things that you need to address before you travel.

Why should you bother taking out travel insurance?

Medical and health cover

This is why travel insurance for travelers and backpackers is so important. You might be a picture of health when you leave your home country but this could easily change in a fraction of a second.

For instance you might be zipping around on that motorbike that you have just proudly rented from a Thai rental shop but then lose control and crash, as so often happens to tourists as they are often not use to riding bikes in the first place.

Who is going to pay for the ambulance? Who is going to pay for the hospital admission and bills? Who is going to pay for the doctor to accompany you home on a flight?

These costs can literally spiral into the 10 – 20 thousands of dollars and you will be liable. Many of the better international hospitals that will be will refuse you admission if you cannot prove you have travel insurance or enough money to cover the likely bills and you could end up in a public hospital which in some cases will be sub-standard care.

So for this one reason alone you should take out cover. Do not go away thinking ‘it won’t happen to me’. Travel insurance for a long period abroad might not be cheap but you risk bankrupting your family otherwise.

Medical Evacuation

If you are in a very poor county with limited health care services then you absolutely must have evacuation cover. Just because the policy covers medical and travel it might not necessarily cover evacuation which could be a life saver depending on where you are.

Lost medication

Travel insurance not only covers baggage items such as phones, ipods etc but will also provide cover for expensive medications that you might be travelling with. The cost of replacing medicines can be very expensive. For instance in the UK an asthma steroid inhaler is the cost of a subsidized prescription (GBP8) while the same item in Singapore could cost up to GBP70.

Covering adventure sports

Many solo travelers will often embark on exciting sports or activities while they are away, such as scuba diving, high altitude trekking or surfing. Many activities can put you in life threatening situations without urgent medical assistance, and if you have to pay for this assistance because you are not covered by travel insurance then you are potentially bankrupting your family.

In conclusion

We hope you can see why travel insurance is so important. Without it you literally could be bankrupt or put your own health at risk. Many private hospitals will not accept you in their emergency rooms if you do not have travel cover or cash on you. Please don’t skimp on insurance as it could save your life.

If you are from the UK and retired then look at out older person travel insurance comparison that is especially for the over 70s and beyond. We also have some links for backpacker travel insurance too that will cover longer trips up to 18 months.

Solo Travel In Switzerland (Ultimate Guide!)

By Gemma Tedaldi-Davies. This guide to traveling solo in Switzerland contains affiliate links to trusted partners!

Interested in solo travel in Switzerland , but need help with the planning?

Then you’re in the right place!

Known for its stunning landscapes, handicrafts like woodcarving and watchmaking, and delicious chocolate and cheese, there are many reasons to plan a solo trip to Switzerland.

And while traveling solo in Switzerland may seem daunting at first, having lived there myself for the last few years I can say it is a fantastic and worthwhile experience.

On top of the highlights mentioned above, locals tend to be friendly, the country is safe overall, and the public transportation is some of the best in the world. We’ll discuss this more below.

Keep reading to learn everything you need to know to plan a safe, fun, and memorable Switzerland solo travel itinerary!

⏳Short on time? Here are some quick tips for traveling alone in Switzerland: ☔ Safety: While Switzerland is safe for solo travel, it’s still smart to pack  travel safety essentials . One top pick is the  She’s Birdie Personal Safety Alarm , which is TSA-approved and can help scare away potential attackers. Other recommendations include  Clever Travel Companion Pickpocket-Proof Garments  and  Speakeasy Travel Supply Hidden Pocket Scarves . 🚗  Renting A Car: Discover Cars  (save up to 70% using their comparison tool!) 🚅  Public Transportation: Omio 🏨  Accommodation: This map  can help you pinpoint top-rated and budget-friendly accommodation in the Swiss cities you’re visiting solo. It’s currently set to Altstadt in Zurich, but you can easily change it to your intended destination in Switzerland. 🎉  Experiences: Viator  (tours),  GetYourGuide  (tours), and  EatWith  (cooking classes & dining in local homes) 🏥 Travel Insurance: SafetyWing 📞 Staying Connected: Airalo eSIM

Table of Contents

Travel Solo In Switzerland With Confidence [Free Course]

But first, before we get into our solo travel Switzerland guide, I invite you to grab a seat in my  free Savvy Solo Traveler E-Course .

The 6-day course is designed to help you feel confident about booking your first solo trip and exploring the world alone.

Lessons include:

• Common solo travel fears and how to overcome them
• How to choose your perfect solo trip
• How to tell loved ones you’re hitting the road solo
• Mentally preparing for your solo journey without losing your mind
• Essential steps for staying safe on a solo trip
• How to take amazing solo selfies

Once you’ve  grabbed your seat , read on to learn how to travel Switzerland on your own.

Is Solo Travel In Switzerland Worth It?

In my opinion, Switzerland is one of the best places in Europe to travel alone thanks to its exceptional safety, well-developed public transportation networks, and efficient infrastructure that makes it easy to navigate and explore independently.

The country’s stunning landscapes — including the majestic Alps, serene lakes, and charming villages — offer a plethora of outdoor activities perfect for solo adventurers, such as hiking, solo skiing , and scenic train journeys.

Swiss cities like Zurich, Geneva, and Lucerne provide a blend of rich history, cultural experiences, and delicious culinary delights, inviting solo travelers to explore museums, galleries, and local eateries at their own pace.

The welcoming and multilingual Swiss locals, along with the country’s reputation for cleanliness and organization, create a comfortable and friendly environment for solo travelers to feel at ease while discovering the beauty and charm of Switzerland.

Additionally, the country’s emphasis on safety, efficient services, and well-marked trails make it an ideal destination for those seeking both active travel adventures and tranquility while traveling alone.

Is Switzerland Safe For Solo Female Travelers?

Switzerland is very safe for solo female travelers. According to Travel Safe-Abroad , your risk of being the victim of a crime is very low. This goes for both violent crimes like mugging as well as theft crimes like pickpocketing.

As with most European destinations , it’s still smart to stay aware of your surroundings and take any normal solo travel safety precautions like not leaving drinks unattended, keeping valuables hidden, and not walking home alone at night, especially in desolate areas.

That being said, having lived in the country for a while now, I have never felt unsafe when on my own.

Switzerland Solo Travel Logistics:

Before we discuss where to travel solo in Switzerland, let’s go over some helpful logistical information to help you travel solo successfully .

Where is Switzerland?

Switzerland is located at the heart of central Europe, bordering the countries of Austria, France, Germany, Italy, and Liechtenstein.

Getting to Switzerland

Solo travel to Switzerland is extremely easy, with numerous options for getting to this beautiful country. The easiest is by plane, with three main airports that serve international flights including:

• Geneva International Airport (GVA)
• Zurich Airport (ZRH)
• EuroAirport Basel-Mulhouse-Freiburg (BSL)

If traveling solo to Switzerland from one of the neighboring countries of Italy, Austria, France, or Germany, then hopping on the public transport network is equally as easy, with a vast network of trains throughout the country.

You can use a platform like Omio to research and book trains, buses, and other public transportation.

Best time to take a solo Switzerland trip

The shoulder seasons of spring (April through mid-June) and autumn (mid-September through October) are the best months to take a solo trip to Switzerland.

With fewer crowds, cheaper accommodation prices, and some of the best weather of the year, these months are perfect for most activities you’d want to add to a Switzerland itinerary.

October, in particular, is great for visiting Switzerland solo as you might get the chance to witness the well-known Alpabzug, otherwise known as “when the cows come home from the mountains.” During this time, you’ll find elaborately decorated cows and festivities celebrating the return of the herds.

Getting around Switzerland as a solo traveler

Getting around Switzerland is also relatively easy, even if you don’t speak one of the many languages.

With a great network of public transport options connecting the larger cities to lesser-known destinations throughout the country, solo travel in Switzerland is a breeze.

With numerous trains, boats, trams, cable cars, and funiculars to choose from, the best way to make the most of solo female travel in Switzerland is to buy a Swiss Travel Pass or a series of Day Passes , depending on how long you wish to spend at each location and what your budget is.

You can also use a platform like Omio to research and book public transportation around Switzerland and Europe in general.

Best Places For Solo Travel In Switzerland

One of the biggest benefits of traveling solo is getting to create your own schedule without having to compromise.

While that is great and can make traveling alone fun , sometimes it’s helpful to have some guidance on where to visit, so here are the best places for solo travel in Switzerland.

My current home, and somewhere that should be high on any list of places to visit in Switzerland solo, is Basel.

Located in northwest Switzerland, this small city is a fantastic place for solo travel thanks to the numerous attractions across the city throughout the year and the fact that you can get from one end of the city center to the other in under half an hour via tram.

There is also a wide range of accommodation options, so it’s perfect for every budget.

In the colder months, there are plenty of art galleries and museums to keep you busy — like the Tinguely Museum , Kunst Museum , and Natural History Museum Basel .

You should also visit the Basler Münster , the city’s main cathedral. Built between 1019 and 1500, it’s historic, beautiful, and offers an amazing view over Basel.

Basel also has a wonderful autumn festival called Herbstmesse and of course the famous winter Christmas Markets .

Visiting Switzerland in the summer ? You can opt to sit alongside the famous Rhine River or even go for a swim.

Additionally, there are many free summer music festivals as well as numerous parks and gardens — all of which are free to visit.

A few greenspaces not to miss include the University of Basel Botanical Garden , which is home to 7,500 different plant species, and Merian Gardens , which is also home to an 18th-century villa.

Basel solo travel is also great as it is well connected to neighboring France and Germany, so if you fancy a day trip across the border, then this is the place in Switzerland to do it from. Both the Black Forest in Germany and the Alsace region in France are accessible by train!

🏨 Basel Hotels: Click here for a full list of hotels in Basel . 🗺️ Basel Tours: Click here for a full list of fun tours in Basel .

Zurich is another of the best places for solo travel in Switzerland, as it has plenty to see, great food and accommodation options, and fantastic public transport that connects across the whole city as well as Lake Zurich.

Additionally, you’ll find many other solo travelers here, as Zurich is home to Switzerland’s largest airport.

If you plan on staying a few days, the Zurich City Card is great for trains, trams, and buses throughout the city.

As with most cities in Switzerland, you can easily see the main attractions in Zurich in a day or two.

In terms of specific things to do alone in Zurich, make sure to visit Altstadt , a beautiful old town filled with historic architecture and viewpoints over the city.

The Grossmunster , a Romanesque-style Protestant church, and its surrounding Zwingliplatz square are perfect examples of this, with great views across the Limmat River and over to St. Peter’s Church — which is the oldest parish church in Zurich.

You’ll also find numerous interesting museums and art galleries to enjoy on your Switzerland solo trip, like the:

• Swiss National Museum , which is the perfect place to learn about Switzerland’s culture and history. It also has a variety of exhibitions that change regularly, highlighting various aspects of Swiss culture.
• Beyer Clock and Watch Museum (Uhrenmuseum Beyer), which houses ancient, antique, and modern clocks and watches, some of which show the history of timekeeping from before 1000 BC!

Another can’t-miss attraction on a solo trip to Zurich is the Lake Zurich waterfront , where you can take a scenic stroll while enjoying panoramic views of the pristine lake framed by urban architecture, lush parks, and the distant Swiss Alps.

Around the lake, you can also visit one of my favorite places in Zurich, the Temple Garden by the Lake , a beautiful and peaceful Chinese garden. It’s one of the highest-ranking gardens outside of China.

Love luxury shopping? Make sure to walk Zurich’s main downtown street, Bahnhofstrasse , which connects Lake Zurich with the city’s main railway station.

Along the street, you’ll find loads of high-end shops. Even if you can’t afford to buy anything, simply window shopping and seeing the beautiful buildings are worth the walk.

As with the rest of Switzerland, Zurich solo travel is generally very safe; however, it’s recommended to avoid Landstrasse after dark, as this former red light district can get a little rowdy.

🏨 Zurich Hotels: Click here for a full list of hotels in Zurich . 🗺️ Zurich Tours: Click here for a full list of fun tours in Zurich .

Lucerne, a charming city nestled amid the breathtaking panorama of mountains and Lake Lucerne, is a great place for solo travel in Switzerland. It’s renowned for its well-preserved medieval architecture, wooden footbridges, and vibrant cultural scene blending nature, history, and art.

As it’s relatively small, the main tourist attractions are fairly close together, so getting around on public transport or by walking is easy.

There are numerous free Lucerne attractions you should add to your Switzerland itinerary, such as:

• Hofkirche St. Leodegar , a beautiful church with a quaint interior and mini cloister garden.
• Kapellbrücke  (Chapel Bridge) and Spreuerbrücke (Spreuer Bridge), two beautiful wooden footbridges often covered in flower boxes that link perfectly to…
• Lucerne Altstadt , where you can take in old town charm, sip coffee at cute cafes, and grab a tasty bite to eat along the River Reuss.
• Musegg Wall (Museggmauer), a lesser-known attraction that is also my favorite. It’s Lucerne’s old city wall that you can climb up to see Lucerne from above.

💡 Pro tip: Get the best of both worlds with a Lucerne tour that includes exploring both old town and the waterfront — like this top-rated Lucerne walking and boat tour .

Lucerne is also an ideal place to base yourself for a few days as it is easy to reach the local mountains and other smaller, lesser-known destinations via public transport from here.

Hopping in a cable car bound for a mountain top, or on a boat for a cruise across a lake are some of the best things to do alone in Switzerland.

A few of the best day trips from Lucerne for solo travelers include:

• Mount Pilatus , which is the nearest mountain to Lucerne and can be accessed via cable car or funicular railway.
• Mount Rigi and Mount Burgenstock , both of which require a boat trip and then a funicular train trip.

🏨 Lucerne Hotels: Click here for a full list of hotels in Lucerne . 🗺️ Lucerne Tours: Click here for a full list of fun tours in Lucerne .

4. The Bernese Oberland

You can’t visit Switzerland and not venture to the Bernese Oberland. Here, you can experience solo travel in the Swiss Alps!

Covering a vast area that includes Interlaken , the Grindelwald and Lauterbrunnen valleys, both Brienzersee (Lake Brienz) and Thunersee (Thun Lake) and all the towns and villages that lie on them, as well as numerous other mountain villages, the Bernese Oberland is a great place to either base yourself for a few days or as the only place you visit on a solo trip to Switzerland.

This area, and Interlaken in particular, is known for its adrenaline-fueled activities. From skydiving out of helicopters to paragliding from mountain tops, base jumping in mountain valleys, and seasonal sports like tobogganing in the winter and ziplining in the summer, there is no shortage of adventure travel experiences.

Additionally, Interlaken is on the main Switzerland solo travel trail, so you’re almost certain to run into other travelers looking to make friends on the road .

Even if you’re not an adrenaline junkie, Interlaken is still worthwhile, as there are many options for day trips. You can cruise on pristine lakes , visit nearby mountain towns, and explore the mountains themselves.

A few personal recommendations for day trips from Interlaken include:

• Note: You can also do this by train if you prefer

• …heading up the mountain via the Wengeralpbahn Railway to the village of Wengen and taking the Luftseilbahn Wengen-Männlichen cable car up to the peak of Männlichen
• …walking along the Lauterbrunnen Valley from Lauterbrunnen Station to Stechelberg and on up to Schilthorn , stopping at various waterfalls along the way

Along with natural beauty, the Bernese Oberland area is a wonderful Swiss destination thanks to the friendly locals as well as the wide range of accommodation and food options for every traveler.

My personal favorite Bernese Oberland accommodation is the log cabins at Camping Jungfrau in Lauterbrunnen. Here you’ll enjoy a central location surrounded by stunning mountains. You’re also right next to the beautiful Staubbach Waterfall , and can also enjoy delicious Swiss food in their onsite restaurant.

🏨 Bernese Oberland Hotels: Click here for a full list of hotels in Bernese Oberland . 🗺️ Bernese Oberland Tours: Click here for a full list of fun tours in Bernese Oberland .

5. Lausanne

If you dream of experiencing solo travel on Lake Geneva, this one is for you!

Another great place to visit while traveling solo in Switzerland is Lausanne. Situated on the shores of Lake Geneva (Lac Léman) and within easy reach of both the vibrant city of Geneva and the beautiful resort town of Montreux , Lausanne is a beautiful and historic city in the French-speaking part of Switzerland.

As an Olympic Capital, the city boasts an Olympic park called Parc Olympique and the Olympic Museum along the lakeside — as well as a stunning medieval old town featuring the Lausanne Cathedral with impressive views from its bell tower, and boat trips on Lake Geneva, including crossings to France.

Along with boating, one of the top things to do alone at Lake Geneva is strolling the Ouchy Promenade , which goes for 1 kilometer from Port d’Ouchy and allows you to enjoy the beauty of the water. Along the way, you can take photos, go swimming, and even rent a paddle boat.

Lausanne is also a great base for some amazing day trips. Be sure to take a local train to the nearby Lavaux Vineyard Terraces , which hold UNESCO World Heritage Site status due to their cultural landscape significance.

Dating back to the 11th century, these vineyards showcase a centuries-old tradition of viticulture and wine production on steep terraced slopes along Lake Geneva, making them the perfect place to taste some of the local Swiss wine as well as hike through the impressive scenery.

Nearby, you can also visit Montreux which is also well known for its music festivals and cultural events, so if you plan on visiting be sure to check out if there is one happening. The Montreux Jazz Festival in July is particularly good.

🏨 Lausanne Hotels: Click here for a full list of hotels in Lausanne . 🗺️ Lausanne Tours: Click here for a full list of fun tours in Lausanne .

Switzerland Solo Travel Map

To help give you a lay of the land, here is a solo travel in Switzerland map. It has all of the places mentioned in this guide pre-plotted:

Click here for an interactive version of the Swiss travel map .

Tips For Taking A Solo Trip To Switzerland

Now that we’ve discussed where to go when traveling solo in Switzerland, let’s go over some important tips to keep in mind:

1. Know how to stay safe while traveling solo in Switzerland

If you’ve ever wondered “Is Switzerland safe to travel alone?” the answer is a resounding “Yes!”; however, it’s still wise to take precautions.

Actually, one of the most important things to do while traveling Switzerland solo is to make sure someone knows your plan for the day, especially if you intend on hiking alone .

If staying in a hostel, campsite, or hotel, the people at the reception will typically be more than happy to help with this.

Also be sure to have any apps and maps that you might need, as well as a power bank to ensure your phone is always charged.

For instance, if you’ll be hiking in the mountains, install the Swiss Topo App and White Risk App , so you can be kept aware of any changes to the trails. Another good one is the SBB Mobile App , which can help you navigate public transportation in Switzerland.

Additionally, AllTrails is great for trail maps — including offline trail maps if you opt for their pro version.

2. Create a solo travel budget

Switzerland can be a hard country to budget for as it isn’t exactly known for being cheap.

That being said, if you plan in advance you can get very good deals on public transport tickets as well as cheaper accommodation in Switzerland for solo travelers, especially if you visit during a shoulder season (April through mid-June or mid-September through October).

Saver Day Pass public transport tickets are one of the best ways to reduce costs, with the cheapest starting at 39 CHF for transport pretty much anywhere in the country for the entire day. Just note that some cable cars aren’t included.

The further in advance you purchase the ticket, the better deal you will get. If you plan on traveling solo through Switzerland for a while then the Swiss Travel Pass may be the cheaper option.

Another way to travel Switzerland on a budget is to not eat out in restaurants for every meal, as that is a surefire way to go over budget.

Instead, opt to eat breakfast at your accommodation or pick up a fresh baked good from a local bäckerei (bakery), then grab a takeaway lunch from a supermarket like Migros or Coop — both of which do great sandwiches and salads.

3. Enjoy solo dining in Switzerland

When you travel alone, you may feel nervous about eating by yourself. Luckily, dining solo is not frowned upon in Switzerland and most places will be more than happy to accommodate this.

Just be sure to book in advance if you are visiting more touristy destinations or you might not be able to get a table.

If you would prefer to eat somewhere that you might get to chat with other people, then look out for Markthalle , which you’ll find in a few of the main cities like Basel and Zurich.

The Markthalle is generally an old market hall, that is now used to hold farmers’ markets and seasonal events, but with numerous permanent food stands showcasing regional and international cuisine. Not only do they offer a vast array of cuisines to try but are also very communal in the sense you eat with others at long tables.

4. Find Swiss accommodation on a budget

For solo travelers in Switzerland who want to save money while still staying in amazing locations, opt for campsites and guesthouses.

Many campsites that are close to well-known destinations offer beautiful cabins you can stay in, and will typically have communal kitchens and common rooms where you can meet other travelers.

This is similar to guest houses and even some smaller hotels, where there are almost always common spaces with kitchen facilities that you can use for both cooking and meeting people.

5. Understand cultural etiquette in Switzerland

A big part of travel is experiencing a way of life that is different from your own, which you’ll also encounter during solo travel in Switzerland.

First and foremost, always be punctual — or even a little early — if you have a reservation. This is especially important if you’ve booked a train ticket, bus ticket, or tour, as they will not wait for you.

Additionally, after 10 pm and all day on Sunday is quiet time across the country, so avoid strolling back to your hostel or campsite talking or singing loudly.

Another thing to get used to while traveling Switzerland solo, especially if you plan on doing a road trip and will be driving, is that pedestrians get the right of way. If you see a pedestrian at a road crossing, you legally have to stop to let them cross.

If you are the pedestrian crossing, just be sure to give a thank you hand wave to be polite. Trams and buses also get right of way in the main cities.

Top Switzerland Tours For Solo Travelers

One of the best ways to gain a deeper understanding of the places you visit while making new friends during solo travel in Switzerland is to book a guided tour. A few top-rated tours in Switzerland include:

• 🍫 Geneva 3-Hour Chocolate Tasting Tour & Old Town Visit
• 🌊 Rhine Falls and Stein am Rhein Half-Day Tour from Zurich
• 🪂 Tandem Paragliding Experience from Interlaken
• ⛰️ Mount Titlis Eternal Snow Half-Day Trip from Lucerne
• 😍 Jungfraujoch – Top of Europe (from multiple destinations)

➡️ Click here for a full list of guided tours in Switzerland !

Cost Of A Solo Trip To Switzerland

The cost of a solo trip to Switzerland can vary greatly depending on where you plan to visit, what you plan to do, and most importantly, when you plan to go.

Here is a breakdown of the rough costs for a solo trip in Switzerland. Yes, it’s an expensive country; but with careful planning, you can bring costs down significantly.

Accommodation. On average for nice but budget accommodation with a buffet breakfast you can expect to pay 70 CHF upwards per night. Chalet-style cabins in a campsite are around 150 CHF or more per night, and of course, more high-end accommodation is anything from 350 CHF per night.

You can use this map to research budget-friendly rentals and hotels in Switzerland here:

Food. The average restaurant will cost roughly 30 CHF per meal not including drinks, where you can expect to pay 8 to 10 CHF for a pint of beer or glass of wine and at least 17 CHF for a cocktail.

Pro tip: Don’t ever ask for water for the table, as it is often the most expensive drink you can order, with a still bottle of water often costing 30 CHF!

Public transport. If you plan on visiting many different locations, then the Swiss Travel Pass is one of the best options, and costs from 232 CHF for 3 days and up to 429 CHF for 15 days. If you are under 26 you also get a further 30% discount on the cost.

If you plan on staying in only a couple of locations, then public transport “city passes” are often included with accommodation stays, making getting around the location free.

Rental car. The average cost for a budget or economy small car is around 50 CHF per day with the price rising rapidly during peak seasons. The longer you hire the car, the better the rate you’ll typically get. If you are looking to hire a campervan then it is around 120 CHF per day.

Pro tip: Use Discover Cars  to compare your rental options in one tab. You can save up to 70% using their comparison tool.

Activities. This is highly dependent on what you plan on doing during your trip, but cable car or funicular railway return tickets to some of the more popular destinations can cost anywhere between 25 and 90 CHF.

The Jungfraujoch – Top of Europe is the most expensive, though is worth it for the breathtaking panorama of the Swiss Alps, featuring a unique high-altitude railway station, captivating ice palace, and observatory.

Do You Need Travel Insurance For Switzerland?

When traveling solo to Switzerland, it’s wise to get travel insurance.

One of the  best travel medical insurance for travelers  is SafetyWing as they’ve got a large network and offer both short-term and long-term coverage — including coverage if you’re traveling for months as well as limited coverage in your home country.

Additionally, SafetyWing is budget-friendly and offers $250,000 worth of coverage with just one low overall deductible of $250.

Click here to price out travel insurance for your trip in just a few clicks .

Traveling To Switzerland Alone: FAQ

Now that we’ve gone over where and how to solo travel in Switzerland, let’s discuss some frequently asked questions:

Q) Is Switzerland worth visiting?

Absolutely! Switzerland is a country like no other, with stunning landscapes, delicious food, wonderful traditions, and friendly locals waiting to help make your trip memorable.

Q) Is Switzerland good for solo travel?

Solo travel in Switzerland is great thanks to how beautiful and safe the country is, not to mention how easy it is to get around in both the cities and mountains.

You are also very likely to meet like-minded people who are also traveling solo in Switzerland, or even groups of tourists from other countries who you will no doubt end up chatting with. I have often spoken with travelers from abroad — more often than not when on cable car journeys together — and it is great hearing where they have been and where they plan to go.

Q) Is it safe to travel to Switzerland alone?

Switzerland is very safe to travel around alone. Like all destinations across the world, there will be certain locations that you might want to avoid at night — typically outside the front of train stations in the main cities; but even so, I have never felt unsafe while traveling anywhere in Switzerland.

Q) What is the cheapest way to get around Switzerland?

The cheapest way to get around Switzerland is to get the Swiss Travel Pass. Depending on where you choose to visit in Switzerland, the Swiss Travel Pass will either give you free transport or highly reduced transport.

Q) What month is the cheapest for Switzerland?

One of the cheapest months to visit Switzerland is October. With the summer tourists gone and the winter sports season yet to start, not only can Switzerland be cheaper during this month, but also much quieter. This means more accommodation options and often cheaper travel passes for trains and attractions.

Q) Is backpacking Switzerland common?

You’ll find many backpackers in Switzerland, especially if you visit popular tourist destinations and stay at hostels.

Q) Can you drink the tap water in Switzerland?

Yes, tap water is safe to drink virtually everywhere in Switzerland.

Final Thoughts On Solo Travel In Switzerland

Switzerland is an ideal destination for traveling solo. With efficient public transport across the country, you can easily navigate traveling alone from one destination to the next.

Additionally, you’ll enjoy wonderful hospitality and friendliness from the locals you meet , making it easy to connect and ask for recommendations wherever you may be.

Plus, Switzerland is often ranked one of the safest countries in the world, allowing you to relax and enjoy your time in this lovely country.

So if you are looking to experience incredible landscapes, delicious regional food, and some of the best and most beautiful alpine villages, towns, and cities, then traveling solo in Switzerland is for you.

What tips would you add to this guide on solo travel in Switzerland?

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About The Author

Gemma Tedaldi-Davies is one half of the team behind The Travelling Tedaldi , a site specializing in road trips and travel itineraries throughout the UK and Europe. Having lived in Basel, Switzerland for the last few years and traveled extensively throughout the country, she knows a few tips and tricks to help make a solo trip to Switzerland worthwhile. Follow her adventures on Instagram .

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