virgin money premium travel insurance

Virgin Money and Virgin Red offer exclusive Travel Insurance rewards for Virgin Red members

We know taking travel insurance out can be one of the least exciting ‘To Dos’ when planning for a trip, but that's all about to change with Virgin Red and Virgin Money . Virgin Red members will be rewarded for taking out travel insurance, so you can explore the world feeling safe and spoiled.

Virgin Money Annual Multi-trip Travel Insurance

If you’ve got a few trips coming up, Virgin Money’s annual multi-trip travel insurance will give you the peace of mind you need to truly relax.

What could be more relaxing than that? 3,500 Virgin Points that's what, from your friends at Virgin Red.

With Virgin Money’s Annual Multi-Trip insurance , you can choose up to 94 days’ worldwide cover per trip, with everything you care about covered – from your gadgets to your health.

Added benefits

Covid cover included - cancellation and medical expenses are covered by Virgin Money, as standard, if you’re diagnosed with Covid-19.*

Gadget cover as standard, plus optional extras​ - from Enhanced Gadget and Enhanced Covid Cover – to cover for winter sports, car hire excess, and more (fees apply).

On hand to help, 24 hours a day, 365 days a year - help is just a phone call away with Virgin Money’s worldwide medical emergency assistance helpline. ​

Your policy at your fingertips - looking after your policy is now a breeze, thanks to Virgin Money’s handy new online portal – from downloading docs to making a claim, all in one place.

*Please check your policy wording for full details and any exclusions.​

The Virgin Money travel insurance has three levels of cover : Red, Silver and Gold, so you can choose which suits you and your needs best.

Managing your travel insurance is a breeze. Simply register online then unwind knowing you can do anything from updating your personal details, to making a claim, all in one place. 

The fun part - spending your points

Virgin Red members are rewarded for everyday spending, and with everything from the biggest brands in retail, travel and entertainment to smaller treats or exciting new start-ups, there are so many different rewards which anyone would enjoy. Members can also use Virgin Points for good by supporting a number of different charities or helping develop technology to remove carbon from the atmosphere. 

What will you put your points towards? Your next flight, getaway or holiday? Navigating the world of Virgin Wines? Or another Virgin Red treat, experience or exclusive? Enjoy deciding.

Buy your travel insurance today with Virgin Red and Virgin Money and earn 3,500 Virgin Points.

Terms and conditions

Who can take up this offer? 

Virgin Red Members who are 18+ and resident in the UK. 

How do you take up this offer? 

It’s important that you follow these steps to make sure you are eligible for this offer. If you don’t, you might not get your points... and we don’t want that!

Buy a Virgin Money Annual Multi Trip Policy (the Policy) via the offer in the Virgin Red app or Virgin Red website.

You’ll see the offer listed in the “Earn Points” section of the Virgin Red app and website.

Just click on “Get Points” when you want to go ahead. This will link you to the offer page on the Virgin Money website.

From there, click on ‘Get a quote’ and fill in your policy requirements to receive a quote.

Make sure you choose the Annual Multi-trip Policy. The Policy start date must be within 45 days of buying the Policy.

When you’re happy to go ahead, pay for the Policy. o You will receive a confirmation email from Virgin Money.

You need to hold the Policy for at least 45 days to be eligible for the Offer before points are credited to your Virgin Red account. If you or Virgin Money cancel the Policy before 45 days, you won’t be eligible for points. 

This offer can’t be used in conjunction with any other offer. Points are only offered in year one of the policy. 

What is the offer?

If you meet the offer conditions, we’ll give you a Virgin Red promo code. You can redeem this code with our friends at Virgin Red to get 3,500 Virgin Points. 

We’ll send you an e-mail with your promo code within 28 days of you meeting the offer conditions. We’ll send your code to the e-mail you gave when you bought the Policy. The email will provide instructions on how to redeem the code within the Virgin Red app or website.

Your Virgin Red promo code can be used until 30 April 2023. Make sure to redeem your code before then.

Only one Virgin Red promo code will be generated per eligible Policy.

After you’ve redeemed your Virgin Red promo code, the points are added to your Virgin Red account. There is no specific expiry date for using the points. You’ll be free to use them in line with Virgin Red’s programme terms. You can find the terms here [ http://policies.red.virgin.com/terms ].

We thought we should highlight a few key things from Virgin Red’s terms: 

the points don’t have a cash value and they can’t be swapped for cash;

the available offers can change from time to time; and

the points cost for each offer can change too. 

Although we’ll be working closely with our friends at Virgin Red on this promotion, we aren't responsible for their terms, their marketing, or any of the offers available through their app. Just contact Virgin Red or the relevant offer provider if you have any questions about these topics. 

When can you take up the offer?

The offer will be available on an ongoing basis until we withdraw it. We can withdraw the offer without giving you any advance notice, but we’ll try to give some notice if we can.

The offer is subject to availability. This means we will definitely withdraw it when we’ve used up our stock of Virgin Red promo codes.

You don’t need to worry if we withdraw the offer when you’re part way through meeting the offer conditions. As long as you've bought the Policy before we withdraw the offer, you can still qualify. You’ll just need to continue to meet the rest of the conditions. 

What else do you need to know? 

You can only benefit from this offer once.

We’ll use your personal information to help us run the offer.

English law applies to the offer.

Standard Virgin Money Travel Insurance Policy conditions apply.

 If something goes wrong, we’ll try to fix it. If we can’t because it’s something we can’t control, or it’s not our fault, then we may have to change the offer. This includes suspending the offer or ending it early. We can make such changes without giving you notice. However, we’ll try our best to avoid making changes. And we’ll try to minimise any disappointment to you when we make changes. 

Who is the promoter?

We are Clydesdale Bank PLC trading as Virgin Money.

Our company number is SC001111.

Our registered office is 30 St Vincent Place, Glasgow, G1 2HL.

Virgin Red and Virgin Money give new customers 20,000 reasons to switch

Unlock Virgin Red: How to earn Virgin Points with a Virgin Money M Plus Account or Club M Account

Who wants to be a virgin points millionaire.

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Virgin Money Travel Insurance Review: Is it Right for You?

• All plans include Baggage and SAFI
• Can buy direct or through comparison sites
• No compensation for any air miles, cruise miles or holiday points used to pay any part of a trip
• No cruise specific cover (e.g., Cabin confinement, Emergency airlift to hospital, Missed port, Unused excursion)

Editor's Rating

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here .

Find Cheap Travel Insurance in Your Area

Protect your holiday today. Quick quotes from 20 insurers.

Virgin Money offers solid value across a number of travel insurance plans that cater to a range of needs, from those on a budget up through premium holiday cover. All plans include the three critical aspects of holiday cover: Cancellation, Emergency Medical and Baggage. Plus, you'll get cover for Delayed Departure and Scheduled Airline Failure on most plans, and Winter Sports included on most Annual, Multi-Trip policies. Read our review to learn about features and prices of Virgin Money travel insurance—plus we'll explain the main differences between buying direct from the Virgin Money site versus buying through a comparison site, to help you decide where to buy.

• Virgin Money Overall Review
• Virgin Money Price Comparison
• How Virgin Money Plans Differ on Comparison Sites
• Virgin Money Features, Policy Limits and Coverage Options

Virgin Money Policy Wording

There is no "best" travel insurance—the best for you will depend on factors like price points and features that you might find valuable. Please use the information in this review to help you narrow your choices.

Virgin Money Travel Insurance Review: What You Need to Know

Virgin Money offers a series of holiday cover plans for reasonable prices, to suit those wanting a budget plan with just £1,500 of Cancellation and £1,000 of Baggage all the way up to those with more luxury holidays needing up to £7,500 for Cancellation and £3,000 of Baggage cover per person.

The cheapest Virgin Money travel insurance is the "Economy" plan, which is only available through comparison sites . The top-tier plan is the "Gold" plan, and this is only available directly from Virgin Money. Here's a high-level overview of their plans:

What's included?

Trip Cancellation, Emergency Medical, Legal Assistance, Personal Accident and Personal Belongings/Baggage are included on all policies—as is Scheduled Airline Failure . But end supplier failure is only on Premium and Gold plans (the top tier from comparison sites and direct).

Even the lowest tier plan includes some Missed Departure and Baggage Delay cover. However, there's no protection against natural disasters such as tsunamis, earthquakes, landslides, volcanic eruptions (including volcanic ash clouds), hurricanes, etc.

Like many other travel cover plans, kids basically go free (up to 3 children under the age of 18, per insured adult).

For those heading to the slopes, Winter Sports is optional now (they used to include it on annual plans). In terms of other travel insurance add-ons , cruise-specific cover is not an option on Virgin Money travel insurance, so if you're going on a cruise you may want to consider other holiday cover providers for access to features like Cabin Confinement, Unused Excursions and Missed Port.

Pre-Existing Conditions: As part of the online application you'll be asked a series of brief medical questions. If you have a medical condition, Virgin Money may be able to offer cover for some pre-existing medical conditions , for which you'll probably be required to pay a higher premium. Pre-existing conditions are only covered if they've been fully declared, accepted and paid for.

Covid: Virgin offers pretty good Covid benefits. Here's a sample of what's covered, extending Cancellation and Curtailment cover.

Cancellation:

• You, Your Relative, a member of Your household or travelling companion or a friend with whom You had arranged to stay has a diagnosis of COVID-19 within 14 days of Your booked departure date, as certified by a Medical Practitioner following a medically approved test showing a positive result for COVID-19.
• You being denied boarding on Your prebooked outbound travel due to You contracting COVID-19, as certified by a Medical Practitioner following a medically approved test showing a positive result for COVID-19 or having a confirmed temperature above 38 degrees Celsius.

Curtailment:

• Death of Your Relative or a member of Your household living in the United Kingdom contracting COVID-19, as certified by a Medical Practitioner following a medically approved test showing a positive result for COVID-19 or having a confirmed temperature above 38 degrees Celsius.
• The hospitalisation as a result of COVID-19 for treatment with mechanical ventilation, of Your Relative or a member of Your household living in the United Kingdom.

How do Virgin Money Travel Insurance Prices Compare?

Virgin Money travel insurance premiums are in line with market averages. Only Virgin's top-tier Black plans cost more than the average cost of holiday cover (shown by yellow bars in the charts below), whether you're travelling to geographies like Europe or America . Given that Baggage and Travel Delay are covered on all plans, we think Virgin Money offers solid value for money.

However, insurance quotes can vary significantly from day to day and according to each individual's details, so please just use this data for general educational purposes only about the travel insurance market; your quotes may reflect a large degree of variation.

Buying Direct vs Using a Comparison Site

There are two ways to buy a Virgin Money travel insurance policy: direct from Virgin Money or via a comparison site like MoneySuperMarket. Broadly speaking, the cheapest plan is Economy, which is only available from comparison sites; the plan with the highest cover is the Gold plan, only available from Virgin Money direct.

There are pros and cons to both sources in terms of features and price points. We'll try to explain the differences to help you understand whether buying direct or through an aggregator (e.g., a comparison site) better suits your individual needs.

If the lower limits of the Economy or Standard plan are good enough for your needs then you can probably save money buying through the comparison site because our research revealed that the cost of Virgin Money's "cheapest" cover from each source can easily be 40% to 50% cheaper when buying through the comparison site —that is, Economy plans are consistently cheaper than Red plans.

Benefits of Buying via Comparison Site

If you're after a budget travel insurance plan, the cheapest holiday cover from Virgin Money is the Essential Plus plan, which is available only on comparison sites. Depending on details like geographic cover, you'll probably find cheaper plans on comparison site, but for a given level of cancellation cover, you might get higher limits in some other areas. For example, Red (direct) has £3,000 of cancellation as does Premium (comparison site), but Premium has higher limits for emergency medical, personal accident, personal possessions, financial failure, missed departure and more. But Red has higher travel delay benefits. And the excess is twice as much on the Premium plan. Also, direct plans include some level of gadget cover (and you can buy more), but comparison site plans only cover gadgets if you buy the add on. So there are trade offs.

Types of Virgin Money Travel Insurance Policies

Virgin Money offers five tiers of travel insurance—Economy, Standard, Premium, Red, Silver and Gold. The first three (Economy, Standard, Premium) can be purchased on a comparison site; Red, Silver and Gold are available direct from Virgin Money. All policies include Emergency Medical, Baggage and Cancellation/Curtailment.

Winter Sports cover can be added to Single Trip plans for an additional cost but is INCLUDED in Annual, Multi-Trip plans.

The upper age limits vary depending on whether you buy direct or through an aggregator site. Plans bought from comparison sites have lower upper age limits, so people in their 70s or above may have better success buying direct.

Age Limits When You Take Out a Virgin Money Travel Insurance Policy

While you can take as many trips as you want each year with a Virgin Money Annual, Multi-Trip policy, there are limits on trip length, depending on your age.

Virgin Money Trip Lengths for Annual Policies Vary According to Policy Type

• Economy: 31 days
• Standard: 31 days
• Premium: 45 days
• Red: 31 days
• Silver: 45 days
• Gold: 94 days

Single trips are limited to 90 days, unless agreed by them in writing.

Cover Limits

Here is a quick, high-level recap of what's on offer from comparison sites and direct:

For further information, please review the policy documents. If you would like us to go into more depth here, please let us know in the comments section at the bottom of this review!

Gadget and Valuables Extension:

Direct plans receive some level of gadget cover (e.g. for loss up to £500 for Red and Silver and £750 for Gold); plans bought from a comparison site don't include gadget as standard. But prior to leaving your home area, if you pay the appropriate extra premium Virgin Money can extend your cover to:

Unauthorised usage is limited to £1,000 for all options.

Notable Features

Here are some highlights of features available on Virgin Money travel insurance policies. Standard features like Medical and Personal Liability are also included on Virgin Money policies, limits for which can be found below in the Policy Limits section . For more complete details like inner limits and exclusions, please refer to the policy documents .

Bottom Line: We like that all Virgin Money plans include Baggage, which is the most common reason to claim on holiday cover. A range of reasonably-priced plans mean there's cover for a variety of customer profiles, from those heading on a cheap and cheerful holiday in the sun to those who have more at risk for a premium holiday.

• Virgin Money Policy Wording for Comparison Sites
• Virgin Money Policy Wording for Direct Sales

Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn .

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Advertiser Disclosure : NimbleFins is authorised and regulated by the Financial Conduct Authority (FCA), FCA FRN 797621. NimbleFins is a research and data-driven personal finance site. Reviews that appear on this site are based on our own analysis and opinion, with a focus on product features and prices, not service. Some offers that appear on this website are from companies from which NimbleFins receives compensation. This compensation may impact how and where offers appear on this site (for example, the order in which they appear). For more information please see our Advertiser Disclosure . The site may not review or include all companies or all available products. While we use our best endeavours to be comprehensive and up to date with product info, prices and terms may change after we publish, so always check details with the provider. Consumers should ensure they undertake their own due diligence before entering into any agreement.

Note regarding savings figures: *For information on the latest saving figures, pay-less-than figures, and pay-from figures used for promotional purposes, please click here .

**4.8 out of 5 stars on Reviews.co.uk is the rating for our insurance comparison partner, QuoteZone.

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Virgin Money: Travel Insurance reviews

No new 5 star reviews, 250% increase in 1 star reviews, latest highest rating:.

Latest lowest rating:

About the Travel Insurance

Review virgin money: travel insurance now, virgin money travel insurance reviews ( 90 ), this is like not taking any insurance, if you think your cover you are so wrong ..

Do NOT use Virgin

2 MONTHS STILL NO CAR!

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Virgin Money Travel Insurance Review

Everything you need to know before you buy travel insurance from Virgin Money!

The experts say:

What virgin money customers are saying right now:.

• 👍 Quick and polite customer service on the phone
• 🤝 Helpful new payment process from HMRC
• 😊 Polite and friendly staff
• ✅ Allows marketing preferences to be set
• 🤗 Decent interest rate for fixed rate bonds
• 🤬 Terrible customer service, refusing to send policy documents and no response to complaints.
• 😡 Confusing app with nobody to help, long waiting times on the phone, and inaccurate product information.
• 🤯 Pointless marketing preferences and poor working app.

Virgin Money customer reviews summary

After hearing a variety of reviews from customers, it's clear that Virgin Money travel insurance is in need of some serious improvement. From long wait times on the phone, to confused and contradictory product information, to poor customer care and confusing app, it's no wonder many customers are leaving this service behind. With all these issues in mind, it seems that Virgin Money travel insurance isn't worth the hassle. Score: 5/10

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Statement received was £10,000 short

Statement received was £10,000 short. Spent all forenoon trying to sort it, couldn't get through to anyone. Just a very inefficient company.

Date of experience : 04 April 2024

So difficult to make a gadget claim..gave up in the end

Tried to claim on portal. After various instructions from webchat which didn't work. Called help line they gave me a number to call. Called that number they gave another number to call. Got a link for a form to complete. Ridiculously stupid amount of paperwork needed. Some items I didn't have like utility bill as I'm 18 and live with parents. Luckily I was insured under nationwide home policy. Called up after 10min call new phone comes in 3 days. Will never use virgin again.

Date of experience : 24 March 2024

Waste of money taking this insurance

I was informed that my flight was cancelled after reaching airport and airlines couldn't provide alternative flights within 36 hours. When I contacted airlines for the expenses I incurred, they told me that only travel insurance company will pay. There was no way to call this insurer and I could submit my claim online only with all the receipts, screenshots etc. They had come back after one month saying that they will not cover anything for expenses incurred due to flight cancellation. Every time I reply back, they take about 2 weeks to respond. At the end, I didn't get a single penny back inspite of taking this insurance. It would have been better off not taking this insurance at all

Date of experience : 22 October 2023

Travel insurance which does not cover

Travel insurance I took out clearly states nill excess for dental emergency on the policy. However, when I put my unfortunate claim through, the 3rd party insurer replied and used excess for other medical excess saying they are not liable for the cost. I looked up the policy again, only to see nill excess for dental emergency. Upon writing back asking for a full refund as the contract is breached and handing of the claim is very unprofessional, I received a reply saying I am correct that no excess. 2 weeks later, I receive another email saying they cannot pay my claim as not over excess. I fully not recommend Virgin Money Insurance for Travel. I hear Stayaure is very good in such handling so find a better insurance.

Date of experience : 14 March 2024

Had to pay hospital bill in the USA…

Had to pay hospital bill in the USA December still no money back will never yous this company again . What's the point of haveing travel insurance if there don't pay medical bill

Date of experience : 10 March 2024

Avoid Virgin Travel at all Costs.

I had a serious accident whilst on holiday, which wasn’t my fault. I sustained a broken femur. Virgin Travel Insurance were informed within 20 minutes of arriving in hospital. It took them 8 days to tell me they weren’t going to pay out. The call centre is a joke and their emails are illiterate. Avoid this absolute disgrace of a company at all costs.

Date of experience : 14 November 2023

Terrible customer service

Terrible customer service. Even renewing took ages and had to answer every question again. Lost patience when wanting to add winter cover, and have now cancelled. Awful.

Date of experience : 01 March 2024

I would take your money elsewhere

I would take your money elsewhere. Reading these reviews I only wish I had read them before trying to invest in an isa. I set up an online profile to open an isa. It constantly kept rejecting my password. After numerous attempts to get logged back in and 3 password changes later it told me I couldn’t open an ISA and to call them. Their lines close at 6pm. This morning I just spoke to the most horrendous female virgin money rep. She actually accused me of screaming at her when I didn’t raise my voice once. She was useless and far from helpful. She clearly just couldn’t be bothered to help or was not equipped to. Terrible experience trying to open a simple ISA and owing to the rude incompetent woman this morning I have closed my online profile and will take my investment elsewhere. Terrible experience. No wonder your reviews are so bad.

Date of experience : 27 February 2024

Had travel insurance and had to add new…

Had travel insurance and had to add new medical condition on to policy. Took 1.5 hrs hanging on the phone before answered. Then going to charge an extra £83 to add the condition.. it was annual policy so asked for pro rata money back and went with another company who charged £28 for the medical condition to be added . All told 2hrs on phone

Date of experience : 07 February 2024

AVOID at all costs

AVOID at all costs. I wish I’d seen these reviews before attempting to open a Business Account Fixed Term Deposit; well I’m a Month in and it still isn’t opened. My money has gone into their ‘holding’ account while I earn no interest on it at all: My advice is don’t go near this company; I want out.

Date of experience : 06 February 2024

Well yet another month has passed and…

Well yet another month has passed and nothing from virgin money about the insurance policy for my holiday cancellation due to Covid. Gallager Bassett who handle their claims are hopeless and still not responding to calls or emails asking for an update on the claim. Why would a company as big as Virgin continue to use a company who are clearly not up to the task. This can not be doing Virgin's reputation any good or maybe they don't care once they get the money from you. Very disappointed.

Date of experience : 05 October 2023

Not deserving even 1 star

Not deserving even 1 star. DO NOT FALL FOR VIRGIN BUSINESS CURRENT ACCOUNT!! Horrific experience from start to finish. Staff is incompetent and they lie on a daily basis. No comms no updates! AVOID

Date of experience : 25 January 2024

Terrible service

Terrible, all outsourced to CSAL who are apparently massively understaffed per my conversations with claims handlers and the mammoth waiting times on hold. Literally feel your life passing by constantly chasing. Whilst they help themes to incredibly long response times. Suspect all aimed at people losing the will and giving up on the claim itself. That or at least deferring payment as long as they possibly can to maximise their profits. Avoid

Date of experience : 31 July 2023

So bad I thought I'd bought scam insurance

Agree with other negative reviews on this site, after our baggage being lost for nearly 3 days on a trip to Paris, we claimed for some essential items and the claim just sat, and sat, and sat with no response. Complete cut and dried case, all the correct paperwork, just nothing happened. Tried contacting them by various means for weeks, completely unresponsive, almost scam-worthy

Date of experience : 16 November 2023

Virgin Money Travel Insurance is cheap…

Virgin Money Travel Insurance is cheap for the reasons outlined in the reviews; "Simples" to coin a meerkat phrase !

This travel insurance is worthless

This travel insurance isn’t worth anything in fact it should be classed as a scam. We had our flight cancelled back in August we have sent them all the details a short response giving you a claim number. Many many emails later no response to any of them avoid this insurance at all costs we had the silver annual package totally disgusted by the none existent communication.

Date of experience : 26 August 2023

Holiday cancellation

Unfortunately we had to cancel our holiday due to a bereavement. I submitted all our evidence onto the online portal 3 months ago and today I have received confirmation that my claim has gone through. The money to cover our holiday is in now my bank this afternoon, I have given this a 4 star as I do think the communication could be better, it’s very impersonal dealing with an inbox and portal and not being able to deal with anyone direct. It would have been helpful to have understood how the claim process worked. When I read the reviews on here I started to doubt the company. Anyone submitting a claim you just need to be patient and let the case handlers do their work. This holiday insurance provided the cover we needed at this unfortunate time.

Date of experience : 10 January 2024

I was taken ill on holiday. Eventually had some money back ( 6 months later), but no where near my legitimate claim. Every excuse not to pay was used. Virgin should be renamed Dick Turpin insurance. Your claim ends up being looked at by a different company who I am sure are on commission for what they save Virgin. Avoid at all cost! Scandalous way to treat people.

Date of experience : 10 May 2023

Poor customer service. I had an accident in September in…

I had an accident in September in majorica it took multiple phone calls because line kept cutting off. Eventually I got through and gave details to all questions. Got home but cannot get anyone to answer my emails about my claim after multiple emails. No one answers phone you can be on hold for one hour . Unfortunately I have a yearly policy so not hopefully I will ever get my £150 medical fees back.

Date of experience : 15 September 2023

Avoid at all costs

Avoid at all costs, customer service and communication is diabolical, this is the team you need the most !!!! Also auto renewal without informing you, still chasing my refund, absolutely criminal.

Date of experience : 06 March 2024

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Travel insurance

Selecting Allianz Travel Insurance at checkout is the easiest way to protect your investment, giving you more freedom to embrace your entire travel experience.

If you've already booked your flights, you can still find a plan to protect your trip.

Provides reimbursement for your prepaid, non-refundable travel expenses if your trip is cancelled, interrupted or extended due to a covered reason.

Provides benefits for losses due to covered medical and dental emergencies that occur during your trip.

Arranges and pays for medically necessary transportation following a covered injury or illness to an appropriate medical facility, return of dependents and more.

Provides reimbursement for eligible meals, accommodations and more when your trip is delayed for 6 or more consecutive hours for a covered reason.

Provies reimbursement for covered losses due to damaged, stolen or lost luggage and personal effects.

Provides reimbursement for the purchase of covered essential items during your trip if your luggage is delayed for 24 hours or more.

Award-winning, multilingual, travel experts here to help you deal with unexpected travel hiccups around the clock. We can help you find local medical and legal professionals, help with missed connections or lost/stolen travel documents, and more.

Free Look period

If you are not completely satisfied, you have 15 days (or more depending on your state of residence) to request a refund of your plan, provided you haven't started your trip or initiated a claim. Premiums are non-refundable after this period.

File a claim

Upload documents, track your claim status, and more through the convenient  online portal .

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

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

Updated 9:52 a.m. UTC April 11, 2024

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WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. 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.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

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.

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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How Fishwife built a brand that outlasted a pandemic craze in the ‘dusty’ $2.6 billion U.S. canned fish category

Good morning, Broadsheet readers! Meghan Markle returns to Netflix, Merit explores a sale, and a brand capitalizes on a ‘brandless’ category. Have a relaxing weekend! – Fish food. Becca Millstein calls the entire category of pantry, shelf-stable goods in the U.S. “dusty”—or stale and lacking innovation. Dustiest of them all, she says, was tinned fish, the category— measured at $2.6 billion in the U.S. and $30 billion globally in 2021—that includes canned tuna, anchovies, salmon, and more seafood products.

“It’s a really big category, but it had gone completely untouched since forever,” Millstein says. “I was eating the same canned tuna that my great-grandma Rose ate in Brooklyn in the 1930s.” She calls it a “brandless” category with “monoliths” StarKist and Bumble Bee that “had no brand loyalty to speak of.”

Mid-pandemic in 2020, Millstein cofounded Fishwife, a trendy line of highly-branded canned fish. With colorful illustrated packaging, the brand set out to take canned tuna from a back-of-the-pantry last resort to a first-choice lunch or recipe ingredient amid a pandemic-era desire for easy work-from-home dishes. It even set off a meme: “ hot girls eat tinned fish .”

Four years later, the brand has made it through its meme era, the return-to-office, and a messy cofounder breakup and lawsuit. (Cofounder Caroline Goldfarb, known for her work on social media and as a TV writer, left Fishwife “about a year ago,” Millstein confirms.)

Today, Fishwife earns about $6 million in annual revenue (as recently revealed on Shark Tank ) from its lineup of roughly eight products that are sold online and at 1,800 retail locations. A three-pack of albacore tuna goes for $32 and specialty collaborations—like a canned smoked salmon made with chili crisp brand Fly by Jing —cost $39.

A challenge presented by Fishwife’s higher prices is convincing customers to keep buying the brand’s products once they become familiar with tinned fish. Millstein is a big believer that brand loyalty and education, via recipe content, can accomplish that.

The founder says it was “relatively easy” to build a brand in the canned fish category because “the whitespace was so glaring.” She sees potential for brands to accomplish the same in other “dusty” categories like “oatmeal, cereal, and canned beans.”

“You didn’t think about their story, their sourcing, their origin,” Millstein says of Bumble Bee and StarKist. “When you find a huge household category that has never had brand loyalty, the potential is extremely high.”

Emma Hinchliffe [email protected]

The Broadsheet is Fortune’ s newsletter for and about the world’s most powerful women. Today’s edition was curated by Joseph Abrams. Subscribe here .

ALSO IN THE HEADLINES

- On the small screen. Meghan, the Duchess of Sussex has new Netflix projects in the works. One will feature "the joys of cooking, gardening, entertaining, and friendship" (as she launches lifestyle brand American Riviera Orchard ), while the other will focus on the professional polo world alongside her husband Prince Harry. Deadline

- Sell, sell, sell. Founder Katherine Power's popular beauty brand Merit is reportedly exploring a sale as beauty M&A heats up. Power is also a cofounder of Cameron Diaz's wine brand Avaline and already has two media exits under her belt. Puck

- Proof is in the polls. South Koreans voted overwhelmingly liberal in Wednesday's parliamentary elections thanks in large part to young women who oppose conservative President Yoon Suk Yeol. Yoon rallied support in 2022 from young men who felt threatened by the country's growing feminist movement. The Wednesday vote rendered Yoon virtually powerless, deflating his agenda that’s mostly dismissive of women's issues. 

- Spotlighting the victims. President Joe Biden’s reelection campaign will spend coming months promoting the stories of women who have been affected by abortion restrictions. The first example aired in an ad this week and featured the story of Amanda Zurawski, a Texas woman who was denied a medically-necessary abortion despite suffering life-threatening symptoms from a miscarriage. Politico

- Real estate figure sentenced. Vietnamese real estate powerhouse Truong My Lan was sentenced to death on Thursday after she was convicted of embezzlement, bribery, and violating banking rules in connection with a more than $12 billion financial fraud case. Investigators argued that Lan and accomplices siphoned money from a Vietnamese bank she unofficially controlled through unlawful loans to shell companies. CNN

MOVERS AND SHAKERS: Underdog Venture Team promoted Megan Hughes Allison to president. WeightWatchers appointed Donna Boyer as chief product officer, Jacquie Cooke as general counsel and secretary, and Debra Benovitz as chief insights officer.

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PARTING WORDS

“No matter where or how they decide to give birth, parents deserve access to safe, dignified care. Right now, that human right is out of reach for far too many.”

— Journalist Elaine Welteroth and tennis star Serena Williams in a Time op-ed announcing the launch of BirthFUND, a coalition providing grants for Black moms to receive midwifery services

This is the web version of  The Broadsheet , a daily newsletter for and about the world’s most powerful women. Sign up to get it delivered free to your inbox.

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