travel insurance medical reviews trustpilot

• Great value cover for medical conditions
• Flexible policy options to suit your plans
• Easy medical screening - online or by phone
• Get your policy in as little as 5 minutes
• Friendly UK customer service
• Over 30 years of industry experience

Customer reviews of Travel Insurance 4 Medical

Sometimes the best way to get a feel for a business is to see what their customers think. Here's what's been said about us on independent review website Trustpilot.

With insurance, peace of mind is everything. You have a right to expect a professional service and a policy you can count on. That's exactly what we seek to give to every customer. And if your premium leaves a little extra in your holiday kitty too? Even better.

Of course the true yardstick of our service is our customer reviews. So take a look at what previous and existing customers have said about us below. And if you have any queries, there are several ways to get in touch with our friendly UK customer service team.

The Best Travel Insurance Companies of 2021

Best overall travel insurance, best for solo travelers.

John Hancock

Best for Tailored Plans

Allianz Global Assistance

Best for Premier Travel Insurance Plans

AXA Travel Insurance

Best for Adventure Sports Coverage

World Nomads

Best Travel Insurance for Groups

APRIL International

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Reviews Report

• Reviews.com rates IMG as the best travel insurance company, earning a 4.75 out of 5.
• The best travel insurance companies have broad areas and limits of coverage and excellent service for the insured.
• Medical coverage and trip cancellation/interruption are must-haves when choosing the best travel insurance company.

Travel insurance is an often overlooked way to protect the investment in your vacation or trip abroad. It covers incidents such as canceling trips, medical evacuation, lost or delayed baggage, and more. However, picking the best travel insurance policy isn’t always easy — especially when COVID-19 has slowed travel and canceled trips outright.

In making our selections for the best travel insurance companies of 2021 we analyzed each company’s travel insurance offerings using a number of criteria like medical coverage limits, available add-on coverage options, and the number of plans to choose from.

The 6 Best Travel Insurance Companies of 2021

• IMG : Best Overall Travel Insurance
• John Hancock : Best Insurance for Travel Cost Reimbursement
• Allianz Global : Best Travel Insurance for Tailored Plans
• AXA : Best for Premier Travel Insurance Plans
• World Nomads Travel Insurance : Best Travel Insurance for Adventure Sports
• APRIL International : Best Travel Insurance for Group Travel

Compare the Best Travel Insurance Companies

Information accurate as of April 2021

Why we chose it

• 4.75 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• NR AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
• $100K–$500K Medical Coverage Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.
• 180 days Trip Length This is the maximum number of days the travel insurance company will cover your trip.
• Plans specifically for seniors available
• Additional add-on coverage available
• High medical coverage
• Number of plans is limited
• Lengthy wait to initiate claim for lost luggage
• Trip cancellation: $50K
• Trip interruption: 150% cost of trip
• Medical coverage: $500K
• Medical evacuation: $1M
• Sports/recreation: $500K
• Travel delay: $500 (Max $125/day)
• iTravelInsured Travel Lite
• iTravelInsured SE
• iTravelInsured LX
• Senior plan
• 4.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
• $50K–$250K Medical Coverage Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.
• 90 days Trip Length This is the maximum number of days the travel insurance company will cover your trip.
• Multiple plans
• 24/7 emergency travel assistance
• Up to $1K missed connection coverage
• Lower medical emergency coverage than competitors
• Few add-on coverage
• No free child traveler coverage
• Trip cancellation: Up to 100% of trip cost
• Trip interruption: Up to 150% of trip cost
• Emergency medical: Up to $250K
• Medical evacuation: Up to $1M
• Baggage delay: $500
• Lost baggage: $2,500
• Bronze: Basic plan with lower coverage limits than other two
• Silver: Intermediate plan with more value than Bronze 
• Gold: Premier plan with best coverage 

More John Hancock Insurance Reviews 

• John Hancock Travel Insurance Review
• 3.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• $25K–$50K Medical Coverage Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.
• Multiple plans to choose from
• Children 17 and under, free
• Annual plan for multiple trips
• Relatively low medical limits
• Often difficult to compare multiple plan offerings
• Some plans are relatively expensive
• Trip cancellation: Up to $100,000
• Trip interruption: Up to $150,000
• Medical coverage: $50,000
• Emergency medical: $25,000
• Lost baggage: $1,000
• Change fee: $500
• Annual Plans
• One Trip Cancellation Plus
• One Trip Basic, Prime, Premier
• One Trip Emergency Medical

More Allianz Global Insurance Reviews

Allianz Travel Insurance Review

• 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• $25K–$250K Medical Coverage Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.
• 60 days Trip Length This is the maximum number of days the travel insurance company will cover your trip.
• Very comprehensive top tier coverage
• Broad adventure travel coverage
• No deductible
• Limited coverage for lower tier plans
• Extensive exclusions for lost/damaged personal property
• Trip delay: Up to $300/day; $1,250 max
• Medical coverage: Up to $250K
• Medical evacuation: Up to $1M 
• Baggage delay: Up to $750 max
• Lost baggage: Up to $3K
• Silver Plan: Basic plan
• Gold Plan: Better value
• Platinum Plan: Premier coverage
• Adventure Product
• 2.75 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• Not Rated AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
• Up to $100K Medical Coverage Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.
• Adventure sports coverage
• Language apps for iPhones
• COVID-19 coverage
• No pre-existing med coverage
• Restricted civil unrest coverage
• Less extensive med coverage
• Emergency dental: $750
• Trip cancellation: $2,500 / $10K
• Trip interruption: $2,500 / $10K
• Medical evacuation: $300K / $500K
• Lost, damaged, stolen gear: $1K/$3K
• Standard Plan
• Explorer (Enhanced) Plan
• 4.25 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• 60-90 days Trip Length This is the maximum number of days the travel insurance company will cover your trip.
• High coverage for trip delay
• Group travel policies available
• Cancel for any reason available
• Low trip cost coverage
• Sports equipment coverage not automatic

Add-ons and Coverage

• Trip cancellation: 100% of cost
• Cancel for any reason: 75% of cost (only for Pandemic Plus plan)
• Trip interruption: 150%–175% of cost
• Medical evacuation: $500K (only for Pandemic Plus plan)
• Lost baggage: Up to $2,500
• APRIL Pandemic Plus
• APRIL Trip Cancellation
• APRIL Choice with Pre-Ex Waiver
• APRIL Cruise

Travel Insurance: What You Need to Know 

Travel insurance is an optional protection that most travelers should consider. Travel insurance helps people recover losses if travel plans are disrupted. This can include full recovery of prepaid expenses if the trip is canceled entirely as well as coverage for expenses incurred on a trip if facing problems such as a medical emergency or lost items.

A number of credit card companies provide some automatic travel insurance but coverage is limited and often doesn’t cover crisis situations such as the need to evacuate for a civil disturbance or natural disaster. The best travel insurance policies will provide full coverage, can be tailored to specific needs, and reimburse customers for losses and costs that will arise if plans go astray.

Purchasing travel insurance works much like buying other common coverage, such as home or auto insurance. The first step is to understand and list all of anticipated travel costs and potential risks, then contact several companies to obtain quotes to compare. 

What Travel Insurance Covers 

Medical care and evacuation.

The best travel insurance policies provide coverage for emergency medical expenses should a traveler be injured or become ill. Most policies will also offer coverage for the cost of evacuation due to a medical emergency.

Typically, plans reimburse for the cost of emergency care up to a limit set in the policy. It is important to review these limits carefully in light of personal medical risks and health concerns specific to the travel destination. Medical coverage will continue to be a vital part of any trip planning during the COVID-19 pandemic and post-pandemic environments.

Trip cancellation and interruption

Trip cancellation coverage is important if you need to completely cancel a trip because of personal reasons, weather-related incidents, or other covered events. You should review the coverage to assure that protection also applies when a trip is cut short for one of these same reasons.

This interruption coverage is designed to reimburse travelers for the unreimbursed costs incurred for the unused part of the trip. When searching for appropriate travel insurance policies, make sure to carefully forecast your costs for a trip Interruption or cancellation and ensure coverage limits are sufficient.

Delayed or lost baggage

Delayed baggage coverage reimburses travelers for the cost of obtaining toiletries and other basic necessities when baggage is delayed during a trip. On the other hand, lost baggage covers personal items and bags that are completely list and cannot be recovered.  In addition to reimbursement for items lost, many policies provide lost baggage tracking assistance. Be certain to read the fine print as usually each of these coverages come with some pretty stringent conditions. Also, compare this coverage with coverage offered by your credit card providers, as this is one area where these coverages may overlap.

Cancel for any reason

For an additional fee, many insurers will add a “Cancel for Any Reason” provision, which covers travelers in the event of a canceled trip, because of the risk of some disaster, such as a forecasted hurricane or civil unrest while traveling internationally .

The policy timeframe for canceling a trip will be critical so it is important to review the specific policy terms and understand just how close to departure you can cancel and be covered. Also, the extra cost of this coverage can be steep so be certain it is necessary.

How to Choose the Best Travel Insurance Company

Prior to buying travel insurance, it is important to determine the travel coverage you may already have from other sources such as your credit cards, existing health insurance, or homeowners insurance. Also, have your total prepaid and anticipated trip costs calculated and handy. 

Here are some tips on selecting the best travel insurance company policy for your needs:

• Review any home insurance, umbrella insurance, health insurance, and credit card coverage that may already apply to traveling. For example, some home insurance policies cover lost items no matter where you are and health insurance could apply to situations outside of the United States.
• Understand the factors that will guide you in selecting the best policy for you — length of trip, destination, your age and health condition and anticipated involvement in high risk sports or other activities.
• Compare the detailed features and prices of several plans — try to find the cheapest travel insurance company plan that will also cover everything you need.
• Understand all of the deductible options that are available.
• Read the fine print and don’t be afraid to ask questions of the insurance company when plans are confusing or you would like a modification to the plan offered.

Finally, once you have purchased a policy and before departing on your trip, make sure you understand the process for filing a claim and seeking emergency assistance should the need arise. You do not want to face a crisis on the other side of the world and not be able to put your hands on the number to call for help.

Travel Insurance FAQ 

Can you buy travel insurance after booking a flight or hotel.

Yes, you can purchase travel insurance after you book your trip. In fact, it can be desirable as you will better understand all costs at that point. Do not wait too long though and miss out on some features.

Can you be refused travel insurance?

Unfortunately, yes. Travel insurance companies often take specific medical conditions into account and can refuse coverage if they determine the risk is too high. This is another good reason to explore various coverage options with different companies.

Is travel insurance worth getting?

Spending 5%–7% of the total cost of your trip to assure that you are not forced to spend perhaps several hundred thousand dollars for a serious medical problem and related expenses is worth getting travel insurance. 

Methodology 

We evaluated travel insurance providers based on coverage, number of plans, optional coverage, medical coverage limits, and AM Best ratings to determine Reviews.com scores and create our best travel insurance provider reviews. To compare travel insurance providers with other brands across the board, we calculate each Reviews.com score based on the following:

• Essential Coverage: When comparing travel insurance providers, we considered essential coverage to be 24/7 assistance, trip cancellation/interruption, medical evacuation and more. Providers with more points of essential coverage scored higher. 
• Number of Plans: Flexibility and having options is important which is why Reviews.com awarded travel insurance providers with higher scores if they presented more plans. 
• Add-on Coverage: Travel insurance providers with more optional coverage add-ons scored higher in this metric — higher flexibility and customization in travel insurance is an indicator of the best travel insurance companies.
• Medical Coverage Limit: We compared the medical coverage limits of the best travel insurance companies and awarded providers with higher scores if they had higher medical coverage limits. 
• AM Best: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company’s financial stability.

About the Authors

Rick Hoel Contributing Writer

Rick Hoel is an international business attorney and legal and insurance writer for Reviews.com. Over the last several years, he has covered topics dealing with personal and commercial insurance and technology and the law.

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Sorting by relevance shows all companies that are best in a category, ordered by TrustScore and review count. To be eligible, they must actively ask for reviews and have received 25+ in the last 12 months.

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What is travel insurance?: How to choose the best cover for a stress-free vacation

If you’ve been longing for a sun-drenched beach holiday or yearning for a cultural city break, then it might be worth considering travel insurance .

Investing in good travel insurance can bring welcome peace of mind and could save you thousands in the long run, not to mention time and stress if the unexpected happens.

Whether you're planning a work trip, solo excursion, or big family adventure, choosing from the wealth of travel insurance companies and plans on offer can be daunting. Here we breakdown:

What travel insurance covers

When you might need it and what type to choose

How cost is calculated and how to pay only what you need

Tips for the best experience with travel insurance companies

Before you pack those bags for your getaway, let’s take an in-depth look at what you need to know about travel insurance.

What is travel insurance?

Travel insurance is a billion-dollar industry where companies fiercely compete to win the top spot. From flight cancellation, delays and property loss to medical and other expenses, the major areas typically covered by travel insurance are:

Trip cancellation: Life throws curve balls at us, and having trip cancellation insurance from an insurer like Mexiplas International could be the crucial safety net you need. It can cover unexpected illness, injury, family sickness and bereavement, potentially reimbursing you 100% on prepaid, non-refundable deposits with ''cancel for any reason’’ coverage.

Medical: This is important insurance for overseas travel as your local health plan may not cover medical treatment. These policies often include limitations and exclusions for preexisting conditions, but cover doctors, hospital, and ambulance bills.

Emergency evacuation or repatriation: Crucial if you're off the grid or traveling to remote locations (think trekking through the Amazon Jungle or climbing Mount Kilimanjaro) where medical care might be hard to find. If you're injured or get sick you’ll need to get to an adequate medical facility ASAP, or a flight home for treatment.

Car hire insurance: Renting a car can bring significant financial risk. Car rental insurance allows you to enjoy your trip worry-free. Check whether insurance includes liability protection. This will pay for damage to other vehicles or medical treatment for others if there’s an accident.

Loss of property: This coverage reimburses you for baggage or personal belongings that are lost, stolen, or damaged during a trip.

Travel delays: Mammoth flight delays and cancellations can mean missed connections or leave you stranded. With insurance, you can be reimbursed for meals, accommodation, and transport expenses.

Accidental death: A worst-case scenario, this insurance pays your beneficiaries a lump sum, supporting them should the worst happen.

COVID-19 travel: A newer type of insurance on offer is COVID-19 travel insurance. Some policies cover you if you contract the virus right before the trip, during your trip, or on your return. Check the small print to ensure you’re getting what you've been promised from your provider.

What travel insurance doesn’t usually cover

Now that we know what your plan can cover, it's just as important to know what isn't covered. Much depends on the policy and insurer you go for. Some features may only be available at an extra cost. Generally, plans don’t cover:

Adventure and extreme sports such as hand gliding, bungee jumping, whitewater rafting, and skydiving. You'll need to buy a special travel policy if you're an adrenaline junkie

Alcohol or drug-related incidents

Carelessness with possessions e.g., leaving them unattended or in plain sight

Recklessness (varies from company to company)

Pre-existing health conditions

Lost or stolen cash

Civil unrest that makes staying in a country unsafe, but your government hasn't announced an evacuation

Pandemics, earthquakes, and acts of terrorism

How much is it?

First things first, think about your destination - what are the risks? Will there be appropriate health care? These are areas that affect the cost of your travel insurance:

Length and cost of the trip: the longer and more expensive the trip, the higher the policy cost.

Cost of local healthcare: high costs at your destination can drive up the price of trip insurance.

Medical conditions: conditions you already have will increase the cost of travel insurance coverage.

Amount and scale of coverage: the more risks a policy covers, the more it will cost.

Your age: generally, the older you are, the higher the price.

How to get the best insurance coverage for you

Before you launch into travel insurance research and sign on the dotted line, check to see if you’re covered already:

Credit cards: Booked a trip or rental car with your credit card? Trip cancellation and car insurance are sometimes included in your purchase. You might need to take out additional insurance to guarantee you’re fully covered for your trip.

Homeowner insurance: See if your renters’ or homeowners’ insurance covers loss of property while on vacation.

Life insurance: Speaking of insurance, dig out your life insurance policy (if you have one) to see if you're already covered for accidental death.

If you’re not already covered then here are some good places to start: 

Travel agents and reservation sites: When you book a flight, hotel, or car through an agent or reservation site you can often add travel insurance. Note though that you usually can't customize it to suit your needs.

Travel insurance companies You could try travel insurance companies like Traveler Assistant Services to find a policy to fit your trip requirements. Check out multiple websites to compare coverage and pricing.

Comparison sites: Using your trip criteria, compare travel insurance policies, provider, and pricing in one place. These sites often show the best travel insurance deals with customer reviews .

Tips for making a claim on travel insurance

Where you go and what you intend to do affect the type of insurance you’ll need. These are common mistakes to avoid to get a quick turnaround when placing a claim:

Don’t exaggerate your claim: Whatever your claim, you want to be reimbursed pronto. Don't embellish the details, it's travel insurance fraud and you don't want to land in hot water. Keep to the facts and get your claim accepted, not denied.

Documentation for loss: Keep all official documentation safe (resort invoices, flight tickets, receipts, medical bills etc.) as you'll need it to back up any claim.

Maximum limits and small print: Sometimes plans aren't as beneficial as they initially appear. Every plan has specific limits for each benefit shown in detail. Triple check them to be on the safe side.

Don't wait to file a claim: Fill in your claim quickly and correctly making sure all copies of your documentation are included, or you may miss out.

How to decide which is best?

Finding the right travel insurance company tailored to your specific vacation requirements can take time. Most claims are paid out with no issue, but it can be easy to fall foul of the small print. You might wind up being palmed off with delay tactics, taking up precious time and energy. So much so, you eventually give up – as some companies hope you will. It’s essential to identify a reputable travel insurance company, one that doesn’t give you confusing messages or the runaround. Seek advice from friends, family, and read reviews like those left on Trustpilot to make sure you find a trustworthy provider.

Travel insurance gives you peace of mind and confidence to experience all this wonderful world has to offer. So dig out your glossy travel guides, and book that trip or adventure of a lifetime. Start planning all the fabulous things you’ve waited so to see and do. Once you’ve researched travel insurance companies and found one that ticks all your boxes, share your experience with other intrepid folk and leave a review on Trustpilot .

Trustpilot is a review platform that is open to all. The companies and profile pages referenced in this article are provided for informational purposes only and are not recommended, endorsed by, or representative of the views of Trustpilot. The Trustpilot companies linked in this post are expected to abide by Trustpilot’s Guidelines , but have not been reviewed for compliance.

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travelinsurance4medical.co.uk   Reviews

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Reviews 4.7.

20,125 total

Most relevant

Worldwide annual backpacking policy.

Worldwide annual backpacking policy. Easy to buy and check policy details and inclusions. Good helpline for advice and great response when calling for medical advice and needing to make a claim. Claim processed after 2 weeks, very fast and good service from Collinson (underwriters) and TI4M who answered all my questions when I needed help abroad. When calling about extension prices they said I am covered for free for another week which really helped me out and gave flexibility to find my flight home.

Date of experience : April 17, 2024

Cycling accident Majorca

Cycling accident Majorca, hospital, surgery, needed repatriation as my airline wouldn't fly me home for 10 days due to operation. Cannot speak highly enough of support they gave me, paid costs in full and got me home with another airline. When I needed them, they came good

Date of experience : May 09, 2024

The person I spoke to was very clear…

The person I spoke to was very clear and helpful gave me all the information I needed and was very good

Date of experience : May 13, 2024

It’s a joy to find a company that will…

It’s a joy to find a company that will insure you without costing a small fortune It was simple to do online

Date of experience : May 10, 2024

Annual Policy.

I originally had a one off trip booked but my plans changed. They managed to cancel the single trip policy even though the 14 days had passed. And I ended up with a annual policy. This was straight forward and they were very easy to discuss my requirements with them. Would definitely recommend.

Date of experience : May 07, 2024

5 Star Service…

Millie made it so easy to renew our policy, so friendly, helpful, patient and very knowledgeable. Credit to your company

Dissatisfied

I have tried to change my single policy to an annual one but was told I had to go through a new application and then see if I could claim the cost of the single one or part of it back. Consequently I was told that they could not use all the medical details from my policy on this new policy and I would have to go through it all again. I said that my medical condition hasn’t changed but was told that the questions asked might have changed! This proved so frustrating that I stopped pursuing it.

Date of experience : May 14, 2024

updating policy…

i wanted to add 1 extra person to the policy was able to do it in 5 minutes on the phone very helpful

Date of experience : December 03, 2023

An efficient and satisfactory transaction

There were no problems with the operator. She was efficient and friendly and the whole process carried out to my complete satisfaction. U one complaint was a crackily phone line!,

Had tried a couple of other companies…

Had tried a couple of other companies who took me through lots of questions and then told me that they couldn't insure me, even though they had the relevant information from the start. No such problem with "travelinsurance4medical". Very simple!

Date of experience : May 01, 2024

Easy steps to purchase insurance. Different options and prices which aren't rediculously expensive. Very pleased with purchase after going through many other sites for quotes. They were happy to insure me with lung disease. I have used this company twice now. I have never had to use their services but hopefully that would be just as efficient as it states on their site.

Date of experience : April 28, 2024

Good customer service

An easy and straightforward experience. I accidentally put my own first name on the application instead of my son’s; I called the contact centre, got through quite quickly and the member of staff was very helpful and changed the name promptly.

I liked speaking to someone to arrange cover.

I liked speaking to someone to go through the medical questions. I liked the opportunity to consider the options and whether to include any extra cover. Overall, I feel that the premium was fair.

Date of experience : April 30, 2024

Fantastic would recommend to anybody with medical conditions.

My experience on the website was fantastic. It was nice and easy to follow written so you could understand. I will definitely recommend anyone who has got medical issues. Mine were chronic issues and it didn’t take me that long to go through the form. I really do recommend.

Date of experience : April 25, 2024

Good service and reasonable prices

Been with this company for 3 years . Good service and reasonable price attached to pre existing medical conditions

Date of experience : May 08, 2024

I booked holiday insurance as I have…

I booked holiday insurance as I have booked.with you before

Very helpfull phone call.

I phoned with a few queries. The assistance i received was first class.

Excellent customer service

Excellent customer service Nicola was extremely patient and helpful going through my quote and Sarah was also very helpful when I rang with a query . Very good service and would recommend. I will continue to use travel insurance 4medical . Many thanks

A very good service and a knowledgeable…

A very good service and a knowledgeable team. I was struggling to get cover and the lady checked for me, came back and took me through everything at a good pace. Would recommend to others based on my experience.

Date of experience : May 02, 2024

Easy to follow instructions ,even for…

Easy to follow instructions ,even for techno phobic ,such as myself. Plain English written. Policy no jargons.

Introduction to VisitorsCoverage Travel Insurance

• Types of Policies Offered
• VisitorsCoverage Cost
• Customer Service and Support

How to File a Claim with VisitorsCoverage Travel Insurance

• Why You Should Trust Us

VisitorsCoverage Travel Insurance Review 2024

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

The process of buying travel insurance can be tedious and stressful as you scour the internet for the best travel insurance companies . VisitorsCoverage exists to simplify the process by showing you all the options available for your particular travel details.

Since 2006, VisitorsCoverage has helped more than 1 million travelers check peace of mind off of their packing list, no matter the destination. It partners with popular travel insurance companies as a broker, so it can quote policies and manage payments on its website. 

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse travel insurance plans for solo and group travelers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers medical insurance for US visa holders for up to two years
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers plans designed for missionaries and international volunteers
• con icon Two crossed lines that form an 'X'. VisitorsCoverage does not underwrite or service travel insurance plans
• con icon Two crossed lines that form an 'X'. Claims experiences may vary widely based on which carrier you buy your plan from

VisitorsCoverage is a travel insurance marketplace that allows you to sort through the best travel insurance policies for your travel details and compare policies against one another. The information it provides on each policy is thorough and straightforward, so you don't have to wade through dense legalese to understand your policy. You can purchase travel insurance directly on VisitorsCoverage's website as well as manage your policy and adjust your coverage.

You'll have to file claims directly with your insurer, but VisitorsCoverage has a Claims Assistance Hub that will contact your insurer on your behalf to expedite the process and provide updates. The Assistance Hub is a great asset given that claims offices are infamously inaccessible and uncommunicative.

While VisitorsCoverage excels as a platform for travel insurance, VisitorsCoverage doesn't field customer reviews of insurance products, which you can find with some of its competitors like Squaremouth and InsureMyTrip. This isn't a major exclusion, but it means you have to conduct additional research for that information, which isn't ideal for a service that exists primarily to simplify the buying process.

Types of Policies Offered by VisitorsCoverage

VisitorsCoverage partners with many travel insurance providers to offer comprehensive coverage options. If you're looking for cancellation protection, baggage protection, and other standard coverages, it can provide many options based on your residence, destination, and costs.

It also works with carriers specific to Europe and Schengen visas. Europe-bound travelers also enjoy medical evacuation and repatriation protections. The descriptions are straightforward, and the site offers options to search for doctors, manage your plan, and more on its website,

If traveling with family, friends, or coworkers, its website may prompt you to consider group travel insurance. Coverage protects up to five travelers with health coverage in the event of an accident or illness at a reduced rate of up to 20% compared to identical coverage for five individual travelers. If you're traveling for business, you may also want to consider its business coverage, which covers lost luggage, trip interruption, and terrorism, along with emergency medical care (including emergency medical evacuation).

One thing this travel website brings to the table is variety. As an online broker, customers can get multiple quotes at once. However, its partnerships allow it to expand the most common understanding of what travel insurance covers , catering to less common travel scenarios such as non-US residents (including Americans working full-time abroad) traveling to the U.S., missionaries, and visa applicants.

Additional Coverage Options (Riders)

VisitorsCoverage has filters that can tailor your insurance search based on your needs. You'll find specific search functions for the following types of travel insurance :

• AD&D insurance coverage: This provides a lump sum benefit to the insured's beneficiary in the event of accidental death. The insured can also collect a benefit after an accidental dismemberment (losing a limb).
• Pre-existing condition insurance: This plan is designed for travelers with diagnosed conditions (existing before applying for travel medical insurance) who want to see the world without fear of what to do should a medical emergency arise. Coverage includes emergency services like hospitalization, surgery, and even medical evacuation.
• Cruise insurance: This short-term trip insurance protects cruisers from losses related to delays, cancellations, illnesses, injuries, etc., while at sea.
• Immigrant/Green Card insurance: This type of plan offers short-term coverage (up to two years) for individuals needing medical insurance coverage while visiting the United States. It's ideal for visa applicants who ideally obtain long-term healthcare through their employer once their work visa is approved.
• Student visa insurance:  Students spending a semester away from their home country or attending university in a foreign country often require travel insurance that meets certain standards.

VisitorsCoverage Travel Insurance Cost

The average cost of travel insurance is around 4-8% of trip costs. Travel insurance premiums of $100-$200 per trip are standard, especially when traveling internationally. A cancel for any reason rider raises travel insurance premiums by about 50% with most travel insurance companies. However, many travelers enjoy the peace of mind of eliminating denials for excluded causes.

Individual policy premiums are based on benefits offered plus criteria unique to each traveler, including age, health status, and the length of the trip. Because VisitorsCoverage partners with many popular travel insurance providers, shoppers can compare the cheapest options with more substantial coverage and decide which plan works best for them.

VisitorsCoverage Customer Service and Support

VisitorsCoverage has very good online customer reviews, receiving an average of 4.8 out of five stars on its Trustpilot page and 4.6 stars from Google Maps reviews left on its company headquarters located in Santa Clara, California. Negative reviews often pertain to customer experiences with unresolved claims, which isn't necessarily a reflection on VisitorsCoverage, but the actual insurance provider.

It's worth noting that VisitorsCoverage's customer support team is extremely responsive to customer reviews, usually responding within one or two business days to Trustpilot and Google Maps reviews.

VisitorsCoverage is not your travel insurance company but a liaison between you and different travel insurance providers. As such, it's no surprise that it does not handle your claims. However, it can assist you in navigating your claims and will attempt to reach out to your insurance provider if the process is delayed.

If you input your policy number on its website, the company can identify which travel insurance company you purchased your plan from. Then it will direct you to the right website or offer the address and correct claims forms. If you don't have your policy number, its website lists the different insurers it partners with and basic claims information. If you need to file claims, the most its customer service agents can do is direct you to the right company and plan administrator.

Remember to file your claim as soon as possible, especially when seeking reimbursement for covered medical expenses. In addition to the claim form, be prepared to provide the plan administrator with copies of your passport plus any medical bills/receipts.

VisitorsCoverage Frequently Asked Questions

 You can contact VisitorsCoverage by calling 1-866-384-9104 or email us at [email protected]. Business hours are from 7: a.m. - 5:00 p.m. PT, Monday to Friday. You can also chat with an agent through VisitorsCoverage's website chat function.

Yes, VisitorsCoverage has a specific search function for international trips as well as international travelers visiting the U.S.

VisitorsCoverage allows you to filter your search to only include policies that cover pre-existing medical conditions. 

VisitorsCoverage doesn't have its own claims filing process, but has tools to make your filing process with your insurance provider more user-friendly. It will also contact unresponsive claims offices on your behalf.

You can filter your insurance search based on companies that offer adventure activities. You'll need to conduct your own independent research to see if your particular sport is covered under a particular policy.

Why You Should Trust Us: What Went into Our VisitorsCoverage Travel Insurance Review

When writing this review, we researched and compared popular travel insurance companies based on myriad factors, including policies offered, add-ons, cost, convenience, claims process, and customer satisfaction. Information on numerous travel insurance products is used in the process, and opinions expressed are based solely on facts gleaned.

Neither marketing tactics nor standalone online reviews were used in compiling these ratings. As most customer reviews come from individuals who have yet to file a claim, an emphasis is placed on plans offered instead of services rendered. VisitorsCoverage is unusual because it's not the travel insurance company, but we reviewed it based on the support provided, its partners' coverage, etc.

You can learn more about how Business Insider rates insurance products here.

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

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

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Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Pet Insurance

ManyPets pet insurance review 2024

Mandy Sleight

Scott Nyerges

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

Heidi Gollub

Published 5:00 a.m. UTC May 6, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

Maximum annual coverage

Average monthly cost for dogs, average monthly cost for cats, what you should know.

ManyPets offers accident and illness policies for dogs and cats. With most insurers, exam fees aren’t coverable expenses but with ManyPets, exam fees to diagnose or treat your pet for a qualifying condition are reimbursable. ManyPets offers unlimited reimbursement, low deductible options and quick claims processing.

MayPets covers curable, pre-existing conditions once your pet has been free of symptoms, diagnosis, and treatment for 18 months — unless it’s a cruciate ligament (CL, CCL, ACL) injury or hip dysplasia.

Pet insurance plans

Accident and illness plan

• Deductibles: $500 or $700.
• Annual coverage limit: Unlimited.
• Reimbursement percentage: 70% or 80%.

Wellness plan

ManyPets offers an optional wellness plan add-on. While not insurance, wellness plans reimburse you — up to an annual maximum — for routine or preventative veterinary expenses, such as vaccines or wellness exams.

Customer reviews

When it comes to pet insurance, ManyPets has strong customer reviews. On Trustpilot, it has a score of 4.4 out of 5 (excellent) based on more than 2,000 reviews. Customers frequently praised the company for quickly processing claims and responsive customer support.

• Quick claims processing.
• $0 deductible option.
• Waivers offered for waiting periods.
• Pet health insurance for pre-existing conditions that are considered curable.
• Pet insurance plans not available in Hawaii, Idaho, Massachusetts, or Minnesota.
• Hip dysplasia not covered in pets enrolled at age 6 or older.
• Up to 18 months of pet records required to submit your first claim.

Our Partner

Paw protect.

Why trust our pet insurance experts

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

• 4,000+ pet insurance rates reviewed.
• 500+ coverage details evaluated.
• 5 levels of fact-checking.

About ManyPets pet insurance

ManyPets offers a $0 deductible option, unlimited coverage and exam fee coverage with its accident and illness plan. 

Although ManyPets does not have an accident-only plan, it offers a wellness plan as an add-on to its accident and illness coverage. However, unlike some of the best pet insurance companies , it doesn’t have a free 24/7 vet helpline or alternative or behavioral therapies. 

Pet owners can avoid ManyPets’ 15-day waiting period with proof of continuous pet insurance with another carrier. It also covers most curable pre-existing conditions if your pet is symptom- and treatment-free for 18 months.

ManyPets pet insurance rates

ManyPets sells an accident and illness coverage plan. Plan costs depend on your pet’s age, breed and species, plus the ZIP code where you live. These quotes are the average monthly rate for unlimited annual coverage with ManyPets across 25 different ZIP codes.

Source: Petinsurer.com. Rates are based on the average monthly cost of pet insurance for dogs at ages 3 months and 3 years, with unlimited annual coverage, a $250 deductible and an 80% reimbursement level.

What ManyPets covers

ManyPets offers an accident and illness plan and an optional wellness plan add-on.

Accident and illness

Its accident and illness plan covers:

• Blood work.
• CT scans, ultrasound, X-rays and MRIs.
• Emergency and specialty care.
• Exam and consultation fees.
• Euthanasia and cremation.
• Hospitalization.
• Medically necessary supplies.
• Prescription injections and medications.
• Urinalysis.

If you opt for the wellness plan with ManyPets, it offers four categories of coverage. You get to spend up to $150 per category each year, for a total of $600.

The categories are:

• Dental cleaning.
• Holistic care.
• Flea, tick and heartworm prevention, plus heartworm testing.
• Routine vaccinations and wellness exams.

What ManyPets doesn’t cover

Like other pet insurance companies, there are some exclusions that ManyPets doesn’t cover. They include:

• Anal gland expression.
• Behavioral therapy or medication.
• Boarding, grooming and daycare unless illness- or injury-related.
• Commercial-owned pets for breeding or racing.
• Conditions occurring during the 15-day waiting period.
• Dental health care.
• Elective or cosmetic procedures.
• Non-FDA approved medications, supplements and treatments.
• Parasite control.
• Pre-existing conditions (except for curable conditions past the waiting period).
• Prescription diet food.
• Preventive and routine care (unless you buy the wellness plan).
• Spaying and neutering.

Where can I get ManyPets pet insurance?

ManyPets is easily available online. However, it is not available in these states:

• Massachusetts.

How ManyPets compares to other pet insurance companies

Via Petted’s website

Source: PetInsurer.com. Average monthly pet insurance cost assumes unlimited reimbursement (or the highest level offered by that company), a $500 deductible and a 90% reimbursement percentage for a dog insurance accident and illness plan. These average pet insurance company rates are based on dogs and cats of various ages, breeds and ZIP codes. 

Methodology

To find the best pet insurance , we analyzed 15 pet insurance companies using data provided by PetInsurer.com.

Each pet insurance company was eligible for up to 100 points, based on its performance in the following key categories:

• Cost: 50 points. We calculated average rates for accident and illness pet insurance plans for dogs with the highest level of coverage available, a $500 deductible and a 90% reimbursement percentage.
• Annual coverage limits: 10 points. Pet insurance companies that offer an annual reimbursement level of $100,000, or unlimited annual coverage scored in this category.
• 24/7 vet line: 10 points. Insurance companies that offer access to a 24/7 vet line earned points. Being able to call for medical advice might save you money on vet visits.
• Routine wellness plan: 10 points. Pet insurance companies that offer an optional wellness plan add-on scored full points. Wellness plans can reimburse you for preventative care for your pet.
• Pays vet exam fees: 10 points. If a pet insurance plan includes pet exam fees, the insurer received 10 points. If this is offered as a coverage add on, the insurer received 5 points.
• Multipet discount: 5 points. Pet insurance companies that offer a discount for insuring more than one pet received full points.
• Euthanasia or end of life expenses included: 5 points. If euthanasia or other end of life expenses are covered in pet insurance plans, a pet insurance company scored in this category.

ManyPets pet insurance FAQs

ManyPets gets 3.5 stars in our rating of the best pet insurance for dogs . The ManyPets pet insurance reviews on Trustpilot give the provider an excellent rating. 

Comparing pet insurance quotes across multiple carriers can help you find the best pet insurance for your dog’s specific needs.

ManyPets pet insurance does have a waiting period, which is 15 days from the policy’s effective date for accidents and illnesses. 

For curable pre-existing conditions — except cruciate ligament tears — ManyPets will consider covering your pet if they are symptom- and treatment-free for 18 months. Curable conditions typically include diarrhea, vomiting, bladder, ear and upper respiratory infections.

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

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

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

Scott Nyerges is a veteran journalist with experience in insurance and consumer reviews. Before contributing to USA TODAY Blueprint, Scott was the senior insurance editor and content strategist for U.S. News and World Report. He's also written and edited for Consumer Reports, MSN, Cheapism and Consumer Search. He loves helping people make smart money decisions. Scott's expertise lies in car insurance, home insurance, life insurance, pet insurance and small business insurance. He has a bachelor's degree in journalism from The University of Missouri-Columbia.

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

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More From Forbes

Is travel insurance refundable here’s everything you need to know.

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Sometimes, travel insurance is refundable. Here's when you can get your money back.

Peter Hoagland always checks to see if his travel insurance is refundable. That's because anything can happen between the time you book your vacation and when you leave — and because travel insurance isn't always refundable.

During the pandemic, he discovered that the hard way. He had to cancel a trip and asked for his money back from the insurance company. It refused.

"Since then, I always read the fine print on the policy," he says.

The refundability of travel insurance has always been an open question. Some countries and U.S. states regulate refundability. Travel insurance companies put refundability details in the fine print of the policy. And, as Hoagland found out, there are always exceptions.

Like the pandemic, when refund policies were all over the map. Some insurance companies adhered to their published policies. Others offered a credit that could be reused within a year, which was minimally useful because the pandemic was still happening a year later. Others quietly gave their customers a refund.

Hoagland says he fought for his money. Eventually, he contacted a manager at his travel insurance company.

"That produced a quick result," he says. "I got my money back."

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But let's face it: Getting a refund for travel insurance can be difficult. There are times when insurance is always refundable because it's required by law. There are times when it's sometimes refundable. And there are times when it's almost never refundable. But even then, there may be a way to recover some — or all — of the value of your policy.

Getting a refund for travel insurance can be a challenge

If you have a travel insurance policy and would like to get a refund, it might be easier said than done, say experts.

"While travel insurance is regulated like auto and home insurance, it’s often less standardized," says Stuart Winchester, CEO of Marble, a digital wallet for your insurance. "So first off, it’s important to check the fine print of your specific policy. Don’t assume it’s like the last one you got."

Even when you have something in writing, a refund can require some serious negotiating skills.

"Getting a refund for travel insurance can be complicated and frustrating," says Peter Hamdy, the managing director of a tour operator in Auckland, New Zealand. He's asked for a refund on policies numerous times and says that despite what travel insurance companies may tell you, there are no hard-and-fast rules when it comes to getting a refund on your policy.

"Some situations can warrant a refund," he says. "It depends on your policy."

What does a typical refundability clause look like? For example, the World Explorer Guardian from Insured Nomads notes that it's refundable only during the 10-day review period from the date of delivery or 15 days from the date of delivery if mailed, provided you have not already departed on your trip and you have not incurred any claimable losses during that time. If you depart on your trip before the expiration of the review period, the review period ends and the policy can't be refunded.

"We go a bit further with our World Explorer Travel Medical plans," notes Andrew Jernigan, CEO of Insured Nomads. "If no claims have been filed then we can refund the unused portion of the policy if you cut your trip short.”

When can you get a refund for travel insurance?

Here are the most common cases where travel insurance can be refunded:

• If you cancel during the "free look" period required by the government. Most states require what's called a "free look" period of anywhere from 10 to 14 days. "During this period, travelers can review the purchase and make sure it fits their needs," explains James Nuttall, general manager of Insubuy . "If it does not, they can cancel it for any reason and get a full refund, no questions asked, so long as you haven’t departed yet.
• If you cancel during the travel insurance company grace period. Many insurance companies also have a grace period for refunds (usually, they are the same as the "free look" although some grace periods can be longer). "If you’re outside your grace period, which typically lasts one to two weeks after signing, you’re contractually obliged to pay your premiums," says David Ciccarelli, CEO of the vacation rental site Lake . "Still, it doesn’t hurt to ask your company for a refund or alternative options if you’re outside your grace window. You might not get a yes, but it could lead to some cost savings or better solutions."
• When someone else cancels your trip. "For instance, if your cruise is canceled due to low river tide, you are not at fault and would typically receive a full refund or credit for a future sailing, thus eliminating the need for the travel insurance policy," explains Rhonda Abedsalam vice president of travel insurance for AXA Assistance US.
• If you die. Typically, the policy would be refunded to your next of kin. Generally, you can also ask for a refund if your travel companion dies before your trip.

Remember, it depends on where you buy your insurance

The refundability of your insurance can depend on where you purchased it. Commercial policies bought from a cruise or tour company are generally canceled and refunded if you cancel the trip far enough in advance of your departure date.

"The travel insurance cancellation provisions are generally tied to the cancellation provisions for the cruise or tour," explains Dan Skilken, president of TripInsurance.com . "After you have paid the last deposits on the cruise and are close enough to departure that they will not provide a refund on the cruise, they generally will also not provide a refund on the travel insurance. But if you cancel early enough to get all or most of your deposit back, you will also get your travel insurance premium refunded."

If you’ve purchased retail travel insurance from a third-party provider or comparison website, you can often get a refund if you can show receipts proving that you received a full refund of all trip deposits and have not had any cancellation penalties or taken any travel credits when you canceled your trip.

That's because retail travel insurance is sold for a specific traveler and for a specific trip. If you have proof of a complete refund and have not received travel credits, then you no longer have what's called an "insurable interest" in the trip. The insurance company must cancel and refund your premium in full, says Skilken.

Insider tip: If the insurance company refuses, just tell them you have proof that you no longer have an insurable interest in the trip. You have to have an insurable interest in a trip to own a travel insurance policy.

Your agent may be able to help you get a refund

You may also be able to lean on the agent who sold you the policy. For example, all policies on Squaremouth come with a money-back guarantee.

"The purpose of this benefit is to give travelers extra time to review their policy documentation to be sure it’s the best policy for their coverage needs," says spokeswoman Jenna Hummer. At Squaremouth, the money-back period typically lasts between 10 and 14 days, which is in line with the mandated "free look" period.

However, I have also seen agents negotiate with travel insurance companies for a more generous refund period in case of extenuating circumstances. There's no guarantee that you'll get it, but it's worth asking — and one reason to work with a third party.

Agents can also help you avoid this problem. Susan Sherren, who runs Couture Trips , a travel agency, notes that American Airlines Vacation Packages offers a predeparture protection insurance plan, which allows cancellation for any reason before the outbound departing flight time. Other restrictions apply, she adds.

"More flexibility will often cost you more," she says. "But having the flexibility is a great way to sleep well at night."

Can't get a refund? Look for other kinds of flexibility from your travel insurance company

Even if your travel insurance company says no to a refund, it doesn't necessarily mean you've lost the value of your policy.

"If a travel supplier changes or cancels your trip, you should be able to change your travel insurance policy to match the new dates of your trip or even cover a new trip, sometimes up to two years into the future," says Daniel Durazo, director of external communications at Allianz Partners USA .

Pro tip: Be sure to change the dates of your travel insurance policy before the departure date of your current itinerary. You can do that online or by calling your agent. Once the policy's effective date has passed, making any changes or initiating a refund or credit becomes much more difficult.

Don't forget to do your due diligence

Bottom line: Travel insurance is refundable under certain circumstances. But knowing when can require research.

"It's important for consumers to carefully read their policy upon receipt to understand the specific terms offered by their insurance provider," says Robert Gallagher, president of the US Travel Insurance Association.

The more you know, the likelier you are to get the refund you want when your plans change.

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Personal Finance

Ethos life insurance review 2024.

Our evaluations and opinions are not influenced by our advertising relationships, but we may earn a commission from our partners’ links. This content is created independently from TIME’s editorial staff. Learn more about it.

According to an April 2023 insurance-industry survey , interest in life insurance is at an all-time high, with 39% of Americans saying they intend to buy coverage in the coming year. And there are some excellent reasons to have a policy. New parents can use life insurance as a financial safety net for their families. Seniors may seek coverage to cover end-of-life expenses or create an inheritance for children or grandchildren.

Whatever your reason for buying life insurance, you may have encountered Ethos Life Insurance . In this Ethos review, we’ll take a closer look at what this online insurance provider offers.

Ethos Life Insurance

Time’s take.

Ethos Life Insurance was born from its founders’ desire to make life insurance easier for regular people to understand and buy. It features a well-designed online platform, multiple options for policy types and coverage amounts, and no-medical-exam coverage. Ethos Life Insurance policies will meet most peoples’ needs. But if you’re looking for term life coverage beyond Ethos’ $2 million maximum, you’ll likely need to look elsewhere.

Who is Ethos for?

Ethos Life Insurance is designed for those who want a convenient application process, and the speed and non-invasiveness of no-medical-exam coverage.

Its term life insurance policies, with coverage amounts up to $2 million and terms ranging from 10 to 30 years, are ideal

for young families. Its whole life product, with coverage amounts up to $30,000, is targeted to seniors aged 66 to 85. Available estate-planning tools are free for customers to use, adding value to an Ethos Life Insurance policy.

Ethos Life Insurance appears to be sold primarily online, so buyers should be comfortable with handling their own insurance purchases.

Ethos overview

Ethos Life Insurance is essentially a digital insurance agency that sells term and whole life from multiple insurance carriers. It’s considered an “insuretech”: a company using cutting-edge technology to operate more efficiently and improve the customer experience. The company explains on its website that “Ethos has streamlined the application process with predictive modeling and proprietary technology to make it easier for customers, and we leave the actual insuring to the established insurance companies that have paid out billions of dollars in claims.”

What sets Ethos Life Insurance apart is its ease of use. It promises coverage in just five minutes through its online application process. Ethos also offers broad eligibility. Coverage is available for people aged 20 to 85, with policies as high as $2 million.

The company offers phone support at 415-915-0665 from 8:00 am to 6:00 pm CST and by email at [email protected]. Ethos has 4.7 out of a possible 5.0 stars on Trustpilot .

Ethos history

Ethos Life Insurance was established in 2016 and is based in Austin, Texas.

The company’s backers have ranged from well-known investors such as SoftBank and Goldman Sachs to celebrities such as Will Smith, and Robert Downey, Jr. Its current carrier partners include Legal and General America (AM Best A+ rating), TruStage (AM Best A rating), Ameritas (AM Best A rating), and Mutual of Omaha (AM Best A+ rating).

The company also sells through “thousands of independent insurance agents.” However, the website does not offer an agent finder, and we could not locate any Ethos Life Insurance agents with a web search.

Ethos policy details

Ethos Life Insurance sells two types of life insurance: term life and whole life. Both offer online applications and no medical exam. The company claims that it can approve your application within minutes.

Ethos term life insurance

Ethos Life Insurance \\\[term life insurance](https://time.com/personal-finance/article/term-vs-whole-life-insurance/) is offered in terms of 10, 15, 20, and 30 years, and coverage amounts start at $20,000. Those up to age 50 can apply for up to $2 million in coverage, while those over 50 can apply for up to $500,000.

Applicants can choose a simplified issue policy, in which the company makes its underwriting decisions based on information gathered from the application and third-party data. The company also offers a fully underwritten term life policy for those who are in good health and want a higher death benefit. This implies that the simplified issue policy has a lower maximum death benefit, but the company does not clarify that maximum. Ethos Life Insurance does note that a fully underwritten policy tends to have a lower premium than a simplified issue policy.

Ethos whole life insurance

Ethos Life Insurance offers \\\[whole life insurance](https://time.com/personal-finance/article/what-is-whole-life-insurance/) ranging from $1,000 to $30,000. The company claims guaranteed approval for those aged 66 to 85, regardless of health history. As a form of \\\[permanent life insurance](https://time.com/personal-finance/article/term-vs-permanent-life-insurance/), an Ethos whole life policy remains in effect until the policyholder’s death, provided they make their premium payments on time.

Ethos estate-planning tools

Ethos Life Insurance also offers online wills and estate-planning tools. These are free with the purchase of a life insurance policy, but are also for sale to non-policyholders.

Ethos pros and cons

• Term and whole life options
• Term life coverage up to $2 million
• No-medical-exam policies available
• Free estate planning tools for policyholders
• Younger people interested in whole life will probably not have needs met by Ethos
• $2 million coverage maximum may not be high enough for some families

Ethos Life Insurance publishes the following \\\[average monthly life insurance rates](https://www.ethoslife.com/life/life-insurance-rates-by-age/) on its website for a 10-year, $1 million term-life policy.

The company notes that rates may vary by carrier, underwriting class, date of policy issuance, and other factors.

How does Ethos compare to other brands?

Ethos Life Insurance seems to sit in an insurance niche with companies such as Fabric by Gerber Life . These companies also sell policies underwritten by established insurers and directly to consumers online.

Here’s how those three companies compare:

(1) Rating for underwriting company, Mutual of Omaha (2)Rating for underwriting company, Western and Southern Life

Policy types

Ethos Life Insurance offers both term and whole life insurance. While its whole life policy is targeted to seniors, it’s more than what is offered by Fabric and Haven, who only sell term life.

Coverage levels

The maximum coverage amount for an Ethos Life Insurance term life policy is $2 million, which will be enough to satisfy the needs of many policyholders. However, Fabric and Haven Life offer policies with higher limits.

Financial strength

Ethos Life Insurance ’ underwriting companies carry AM Best ratings of A and A+. Other companies in this review have ratings of A+ and above. The ratings indicate a company’s relative financial strength and ability to pay claims.

Customer satisfaction

Ethos Life Insurance has 4.7 stars on Trustpilot’s 5.0-point scale. It’s a favorable rating and comparable to that of its competitors.

Ethos Life Insurance notes that it offers riders on some of its policies, but does not specify which policies or what those riders entail. Fabric and Haven Life both offer an accelerated death benefit rider.

Methodology

We evaluate life insurance providers based on types of coverage and available coverage amounts, how to buy, financial strength, and customer satisfaction. Our objective is to provide a high-level overview of Ethos Life Insurance to help readers make a more informed insurance buying decision.

The Ethos Life Insurance website was our primary source for information about the company, including coverage details and pricing. AM Best ratings were retrieved directly from the AM Best website. Competitor information came from those companies’ websites. We referenced Trustpilot to evaluate companies’ customer satisfaction.

Bottom line

Ethos Life Insurance may meet your needs for life insurance. However, those looking for term life coverage more than $2 million, or permanent life insurance over $30,000 will need to look elsewhere. What sets Ethos apart is its ease of use. Ethos was founded by entrepreneurs looking to make it easier to understand and buy. It delivers with a state-of-the-art web interface and a fast online application process.

Frequently asked questions (FAQs

How do i buy life insurance from ethos.

To buy life insurance from Ethos Life Insurance , visit the company’s website . You can apply online, and you may get approved within minutes.

How do I file a claim with Ethos?

Ethos Life Insurance does not appear to offer detailed claim information on its website. It does note that beneficiaries can file a claim with their insurance carrier ( Ethos Life Insurance offers policies from multiple carriers) after a policyholder’s death.

Who owns Ethos Life insurance?

Ethos Life Insurance was founded in 2016 by Peter Colis and Lingke Wang. The two have continued to serve as the company’s CEO and president, respectively. Ethos’s financial backers have included Sequoia, Accel, Goldman Sachs, and celebrities such as Will Smith and Robert Downey, Jr.

The information presented here is created independently from the TIME editorial staff. To learn more, see our About page.

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Best travel insurance plans for 2024: a unique and comprehensive list for travelers from international citizens insurance.

Including the Best Plans for Seniors, Global Nomads, Visitors to the USA, Pets, Adventure Sports Addicts and More

BOSTON, MA / ACCESSWIRE / May 2, 2024 / International Citizens Insurance, a leading international insurance broker, has announced the best travel insurance plans for 2024 summer travel. As the cost of airfare and hotels continues to rise along with the increase in flight delays and cruise cancellations, this list could not have come at a better time for travelers looking to protect their travel plans and their finances.

"This summer's travel season promises a high level of demand, increasing costs, and a strong potential for travel disruptions due to political unrest, weather, and other factors," said Joe Cronin, President of International Citizens Insurance. "Our clients want travel insurance they can trust to help them if they suffer a cancellation, a medical emergency, lost luggage, a natural disaster, or have to change plans due to unforeseen events. With this list, they will be able to find the best overall travel insurers as well as the right plans for their individual needs."

International Citizens Insurance judged each company and plan on six key criteria: the user-friendliness of their site, the ease of policy purchase, the number of countries plans are offered in, how extensive the benefits are, the ease of making a claim and the quality of the company's customer service. The most trusted insurers include WorldTrips , who made history as one of the first insurers to offer plans for purchase over the internet; GeoBlue Travel Insurance , which supports seniors with coverage for people up to 84 years old; and Trawick International, which offers coverage for over 500 adventure sports activities.

To help customers find the best insurance for their specific needs, International Citizens Insurance has also identified the best insurance for several use cases, including Cancel for Any Reason (CFAR) insurance, travel medical plans, and insurance with coverage for pets. International Citizens Insurance has also identified the best plans for clients with special needs, including seniors, missionaries and volunteers, U.S. citizens abroad, and digital nomads.

In today's unpredictable world, travel insurance has become the most essential accessory for any international traveler. Travelers want trip cancellation insurance to protect their trip and travel medical insurance plans to protect their health. But with so many companies out there, which ones can you trust?

Learn more about the best travel insurance companies at https://www.internationalinsurance.com/travel-insurance/best-companies.php .

About International Citizens Insurance

International Citizens Insurance is the insurance division of International Citizens Group. We provide educational content, reviews, and unique comparison engines that enable travelers and expatriates to research, quote, compare, and purchase global life, travel, and international health insurance from various carriers.

Contact Information

Joe Cronin President [email protected] 617-500-6738

Andrew Blomberg Vice President, Global Group Benefits [email protected] (339) 221-5190

SOURCE: International Citizens Insurance

View the original press release on newswire.com.