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The 5 Best International Travel Insurance Companies for 2024

Allianz Travel Insurance »

AIG Travel Guard »

Generali Global Assistance »

World Nomads Travel Insurance »

GeoBlue »

Why Trust Us

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

Table of Contents

• Allianz Travel Insurance
• AIG Travel Guard

With demand for international travel still on the rise, buying travel insurance makes more sense now than ever before. Having an international travel policy in place will ensure you won't lose the money you spent if your trip is canceled or interrupted for reasons beyond your control – or if your bags are delayed or lost entirely by your airline or cruise line .

Other protective benefits come from the best international travel insurance policies as well, including travel medical coverage for unexpected medical expenses and emergency medical evacuation. You may even find that the destination you plan to visit requires travel insurance, although most countries have dropped travel insurance requirements they initially put in place due to the pandemic.

U.S. News editors compared more than 20 of the top providers to find the best travel insurance companies for trips around the world. If you're hoping to secure the best international travel policy for your needs this year, the policies outlined below provide a solid foundation for you to start your research.

Frequently Asked Questions

While many countries began mandating travel insurance for visitors during the COVID-19 pandemic, most have loosened entry requirements and dropped this condition by now. Countries that still require international visitors to have travel insurance include the following:

• Antarctica: Travel medical insurance is generally required by cruise lines and tour operators for trips to Antarctica , with a standard minimum of $100,000 in emergency medical and evacuation coverage.
• Ecuador: You do not need travel insurance to visit the country of Ecuador, but you do need insurance with medical coverage to visit the Galápagos Islands .
• Qatar: Travelers visiting Qatar for more than 30 days are required to have a travel insurance policy that is approved by the country's Ministry of Public Health.
• Saudi Arabia: Visitors to Saudi Arabia from eligible countries must pay for an eVisa, and the cost includes compulsory travel insurance coverage.

International travel insurance works the same as travel insurance for domestic trips. These plans include various coverage options and coverage limits, and a deductible may or may not apply. Travelers can choose to purchase international travel insurance for a single trip or multiple trips; long-term plans for expats and missionaries are available from some providers.

While travel insurance policies can include a broad range of coverages, the main protections you'll want for international trips include the following:

• Trip cancellation and interruption coverage: This type of protection can reimburse you for prepaid travel expenses when a trip is canceled or interrupted for a covered reason beyond your control.
• Baggage delay insurance: This coverage can pay for incidental expenses that occur when your bags are delayed for a specific period of time (usually six hours or longer).
• Lost luggage coverage: This protection can replace your luggage and your belongings or reimburse you for costs if your bags are lost by a common carrier.
• Rental car insurance: This type of insurance may provide primary coverage when you rent an eligible rental car.
• Emergency medical and dental coverage: This type of insurance will pay for emergency medical treatment or dental expenses that may arise during your trip.
• Emergency evacuation coverage: This protection can pay for emergency transportation costs when you're sick or injured during your trip.

Also note that many travelers booking an international trip choose to purchase travel insurance that offers cancel for any reason protection, so they can cancel a trip for any reason at all, even if they just decide they don't want to go. That said, adding CFAR coverage to your policy will make your travel insurance plan more expensive. Most plans also have limits on how much of your prepaid travel expenses can be refunded, which are usually capped between 60% to 80% of your trip costs.

While coverages offered through international travel insurance plans tend to be broad, keep in mind that this type of insurance won't cover every situation that could arise. Some common issues that are not covered by international travel insurance plans include:

• Acts of war
• Claims due to air or water pollution
• Claims due to natural disasters
• Epidemics not specifically included in coverage
• Extreme, high-risk sports
• Government regulations or proclamations
• Nuclear radiation and contamination
• Terrorist events
• Travel bulletins or alerts

Many travel credit cards offer international travel insurance benefits, but you should know that these coverages have some limitations. For example, travel insurance plans from credit cards never provide meaningful amounts of coverage for medical emergencies or dental emergencies. You also have to pay for each trip with your travel credit card for coverage to apply.

The best international health insurance plan depends on factors like the length of your trip, where you're traveling and how much coverage you need. While you can take the time to get quotes from several different companies, websites like TravelInsurance.com and Squaremouth make it easy to compare coverage details, limits and pricing among several providers all in one place.

The cost of international travel insurance varies and can depend on your age, the length of your trip, your total trip cost and other factors. Consider getting multiple travel insurance quotes through TravelInsurance.com to get an idea of the cost of coverage for your upcoming travel plans.

• Allianz Travel Insurance: Best Overall
• AIG Travel Guard: Best for the Cost
• Generali Global Assistance: Best for Medical
• World Nomads Travel Insurance: Best for Active Travelers
• GeoBlue: Best for Expats

Buy coverage for single trips or multiple trips at once

Annual plans available

Lower coverage amounts for emergency medical expenses than some other plans

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Emergency medical coverage up to $50,000
• Emergency medical transportation coverage up to $500,000
• Trip change protector coverage worth up to $500
• Baggage loss and damage coverage up to $1,000
• Baggage delay coverage up to $300 (12-hour delay required)
• Travel delay coverage up to $800 ($200 per day)

Add-on coverage available for lodging expenses, preexisting medical conditions and rental cars

Optional CFAR coverage available with some plans

Coverage limits for its lowest-tier Essential plan may be insufficient for some trips

Add-on coverage for preexisting conditions must be purchased within 15 days of the initial trip payment

• Trip cancellation coverage worth up to 100% of the trip cost
• Trip interruption coverage worth up to 100% of the trip cost
• Baggage coverage worth up to $750
• Up to $200 in coverage for baggage delays
• Travel medical expense coverage worth up to $15,000
• Up to $150,000 in coverage for emergency medical evacuation

Choose medical coverage limits based on your needs

Generous limits for emergency medical expenses and medical evacuation across all plans

CFAR coverage must be purchased within 24 hours of initial trip deposit and is only available with Premium plan

Rental car coverage only included in top-tier Premium plan

• Trip cancellation coverage up to 100% of the trip cost
• Trip interruption coverage up to 175% of the trip cost
• Travel delay coverage up to $1,000 per traveler ($300 daily limit)
• Up to $2,000 per person in baggage protection
• Up to $2,000 in coverage for sporting equipment
• Up to $500 per person for baggage delays
• Up to $500 per person for sporting equipment delays
• Up to $1,000 per person in protection for missed connections
• Up to $250,000 per person in coverage for emergency medical and dental procedures
• Up to $1 million in coverage for emergency assistance and transportation
• Up to $25,000 per person in rental car coverage
• Up to $100,000 per plan in accidental death and dismemberment coverage

24-hour travel assistance services included

More than 200 sports and activities covered in every plan

Coverage limits within standard plans may be insufficient

No coverage for most preexisting conditions

• Up to $10,000 in coverage for trip cancellation
• Up to $100,000 in coverage for emergency medical expenses
• Up to $500,000 in protection for emergency medical evacuation
• Up to $3,000 in protection for damage or theft to your bags or gear

Purchase international travel medical insurance for individual trips, multiple trips or long-term travel

Coverage is mostly for emergency medical expenses abroad

Some plans require a primary U.S. health insurance plan

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has covered travel and travel insurance for more than a decade. Johnson has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and she has experience navigating the claims and reimbursement process. On a personal level, her family uses an annual travel insurance policy from Allianz. Johnson also works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – in their family media business.

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Holly Johnson

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Does My Health Insurance Cover International Travel?

Private health insurance typically doesn't cover international travel expenses.

The Best International Travel Insurance Companies

Best for solo travelers.

John Hancock

Best for Thrill Seekers

Best for Group Travel

APRIL International

Best for Travel Flexibility

TravelSafe Insurance

Best for Longer Trips

Travel Insured

Best for Plan Options

Allianz Global Assistance

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Reviews Report

• IMG is Reviews.com’s top pick for the best international travel insurance, scoring 4.75 out of 5.
• The best international travel insurance providers have high medical, trip interruption, and personal baggage coverage limits.
• Remember that in some cases, home insurance will cover some travel hiccups, so research coverage options before you buy.

Booking an international trip is an investment. With travel insurance , that investment is protected against unexpected situations during your travels that could cost money. For instance, if you get sick before a trip and can’t travel, travel insurance will reimburse you for the cost.

International travel insurance policies should include coverage for trip cancellations, emergency medical needs , delayed transportation, and lost luggage. If you’ve pre-paid for activities or transportation during your trip, getting insurance is worth the cost. If something happens that’s out of your control, you won’t have to worry about losing money.

The 6 Best International Travel Insurance Companies

• John Hancock : Best for Solo Travelers
• IMG : Best for Thrill Seekers
• APRIL International : Best for Group Travel
• TravelSafe Insurance : Best for Travel Flexibility
• Travel Insured : Best for Longer Trips
• Allianz Global Assistance : Best for Plan Options

Why we chose it

• 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.
• High medical coverage limits
• Multiple plans to choose from
• Excellent customer service
• Kids not included
• No adventure sports coverage

Add-ons & Coverage

• Trip cancellation: 100% of cost
• Cancel for any reason: 75% of cost
• Lost baggage: $750–$2,500
• Medical evacuation: $250K–$1M
• 24/7 emergency travel assistance

Best for Thrillseekers

• 4.75 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• $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.
• Most variety of plans
• Tailored to adventure sports
• Cancel for any reason
• Few optional coverage options
• Higher cost than competitors
• Lost baggage: $150–$2,500
• Medical evacuation: Up to $1M
• Sports equipment rental: $2,000
• Patriot Travel Medical Insurance
• Patriot America Plus
• Patriot Platinum Travel Medical Insurance
• iTravelInsured Travel Insurance Lite, SE, LX
• GlobeHopper Senior
• Patriot Multi-Trip Travel Medical Insurance
• 4.25 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.
• 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
• 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 w/ Pre-Ex Waiver
• APRIL Cruise
• 3.25 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• $35K–$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.
• 30 days Trip Length This is the maximum number of days the travel insurance company will cover your trip.
• Missed connection coverage
• Limited itinerary change coverage
• Lower trip interruption coverage than competitors
• Trip cancellation: $10K–$100K
• Cancel for any reason: 75% of cost (only for Classic plan)
• Trip interruption: 100%–150% of cost
• Medical evacuation: $100K–$1M
• Lost baggage: $100–$2,500
• 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• $10K–$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.
• Itinerary change coverage
• Above average trip length coverage
• Lost miles and rewards reimbursement
• Lower lost baggage coverage than competitors
• Lower than average medical coverage
• Cancel for any reason: 75% of cost (only with World-wide Trip Protector Plus)
• Lost baggage: $750–$1,000
• Optional cancel for work reasons
• Optional upgrades to double limits
• 3.4 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.
• $10K–$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.
• Annual trips covered
• Lengthy single-trip plans
• Kids’ coverage is included
• Lower medical limits than competitors
• Limited coverage upgrades
• Lower cancellation and interruption coverage
• Trip cancellation: $5K–$100K
• Trip interruption:$5K–$150K
• Lost baggage: $500–$2K
• 24-hour hotline assistance
• AllTrips Basic, Executive, Premier, and Prime
• OneTrip Prime, Basic, Premier, Emergency Medical, and Cancellation Plus

How to Find the Best International Travel Insurance

Buy sooner rather than later : Some travel insurance policies are time-sensitive, so we recommend purchasing insurance at the same time as your plane tickets, hotel rooms, and other expenses. 

Also, if you plan to add “cancel for any reason” or “cancel for work reasons” coverage, it’s a good idea to buy those as soon as possible, too. You never know when something might arise that conflicts with your trip.

Consider your travel companions : The best policy for you depends on your trip and who you’re traveling with. If you’re traveling with kids, choose a company like Travelex that covers children under 18 for free. 

You’ll also want to take the ages of adult travelers into account. When we compared travel insurance quotes, IMG hiked its prices up much more for older travelers (ages 45 to 65), while Travelex and John Hancock tended to be a little more affordable. You can get quotes from several providers to see which one can give you the cheapest travel insurance policy . 

Avoid paying for double coverage : Many travel insurance companies promote upgrades that overlap with coverage you already have. For example, they may offer to cover your home and belongings while you’re away, but most homeowners and renters policies already protect those things. 

You may also see options like rental car insurance, but many credit cards have rental car damage waivers for international travel. Double-check your current insurance policies to make sure you don’t end up paying for duplicate coverage.

Travel Insurance FAQ

How much does international travel insurance cost.

The cost of international travel insurance depends on where you’re going, how long you’re going to be abroad, how many people you’re traveling with, and extra coverage. Some insurance companies calculate rates based on a certain percentage of your trip’s total pre-paid cost.

How much travel insurance do I need?

The amount of travel insurance you need is based on the pre-paid cost of your trip and the level of risk you face. For instance, someone going on a low-risk beach vacation in the Bahamas won’t need as much coverage as someone traveling to go mountain climbing in Nepal.

Methodology

We evaluated Provider or 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

Elizabeth Rivelli Contributing Writer

Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.

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Table Of Contents

The best travel insurance policies and providers

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

• You purchase the plan within 15 days of your initial trip payment.
• The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
• You must be medically able to travel when you purchase your plan.

Standout features

• The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
• You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
• Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

• You purchased the policy within 14 days of the date of the first trip payment or deposit.
• You were a U.S. resident when you purchased the policy.
• You were medically able to travel when you purchased the policy.
• On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
• Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
• Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
• For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

• You must be medically able to travel at the time you pay the policy premium.
• You pay the policy premium within 14 days of making the first covered trip deposit.
• Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
• Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
• American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

• GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
• GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

• Some annual multi-trip plans are modestly priced.
• iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

• You purchase the plan within 15 days of the initial trip payment.
• The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
• All insured individuals are medically able to travel when they pay the plan cost.
• The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
• Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
• Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
• For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

• You buy this plan within 20 days of making your initial trip payment or deposit.
• You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
• You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
• Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
• You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
• Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

• World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
• World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

• Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
• Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
• Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
• Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
• Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
• Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
• Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
• Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

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• HTH WorldWide Travel Insurance Review

On This Page

• Key takeaways

Is HTH Worldwide legit?

• Bottom Line Main highlights of HTH Worldwide travel insurance

HTH Worldwide travel insurance plans & coverage

Things not covered by hth worldwide travel insurance, cost of hth worldwide travel insurance plans, hth worldwide travel insurance reviews from customers, is hth worldwide travel insurance worth it, faqs: hth worldwide travel insurance, related topics.

HTH WorldWide Travel Insurance Review 2024: Is It Worth It?

• HTH Worldwide is a well-established travel insurance provider with 27 years of experience .
• The provider offers three comprehensive travel insurance policies : TripProtector Economy, TripProtector Classic and TripProtector Preferred. These plans cover trip cancellation, trip interruption, medical emergencies and more.
• Some plans include coverage for natural disasters and situations that involve acts of terrorism . Most travel insurance providers do not offer this type of coverage.
• Optional add-ons are available with the Preferred plan. These add-ons include cancel for any reason (CFAR) coverage, a collision damage waiver and a pre-existing medical condition waiver.
• It offers two additional policies designed specifically for medical and medical evacuation coverage .
• To compare multiple travel insurance policies and find the best one to suit your travel needs, try using our online comparison tool .

If you’re exploring travel insurance options, HTH Worldwide stands out as a trustworthy provider . 

The company offers comprehensive plans catering to various travel needs , including unique features like coverage for natural disasters and substantial medical care limits. 

In this HTH Worldwide review, we’ll break down all the plan details, optional add-ons, customer reviews and overall suitability so that you can make an informed decision about what to purchase for your upcoming journey.

• Good coverage for interruptions (up to 200%)
• Offers comprehensive trip protection and travel medical insurance
• Access to health services worldwide via the mPassport app
• Offers coverage for expatriates
• Medical plans may have a high deductible
• Baggage delay coverage requires 12 hour delay (long)

HTH Worldwide Travel Insurance, which is also known as HTH Travel Insurance and Worldwide Insurance Services, is a legitimate insurance provider. 

The company was founded in 1997 under the name Highway to Health; today, it operates under the HTH Worldwide brand. With 27 years of trading, the company is firmly established in the travel insurance market. HTH Travel Insurance offers a variety of comprehensive plans for travelers of all kinds.

Are you considering HTH Worldwide travel insurance for your next trip? To help you decide if this is the best travel insurance for your journey, here’s an in-depth look at the primary features, benefits and highlights of the company’s plans.

Bottom Line: Main highlights of HTH Worldwide travel insurance

When you buy travel insurance from HTH Worldwide, you gain access to a variety of comprehensive benefits. 

Depending on the plan you choose, you can get trip coverage for situations that are typically excluded from most travel insurance policies, including natural disasters. 

HTH Worldwide’s highest-level plans come with luxury benefits that are hard to find elsewhere — the TripProtector Preferred plan will reimburse you for up to 200% of your costs in case of a trip interruption. If you’re traveling as a group, HTH Worldwide offers a 10% discount.

If you’re concerned about medical coverage on your trip, HTH Worldwide offers high-limit options up to $500,000 for medical care and $1 million for medical transportation . Plus, with the company’s mPassport app, it’s easier to locate the closest health providers anywhere in the world. If you need to be hospitalized, the Direct Pay system can work with the facility to settle the bill.

Most HTH Worldwide travel insurance plans are designed for people who are taking a single trip.

HTH Travel Insurance

Options include:

TripProtector Economy:

This base-level TripProtector plan offers more trip coverage than HTH Worldwide’s single-trip plans; it’s best for shorter trips to low-risk, politically stable destinations. You’ll get a maximum of $5,000 for trip cancellation, 125% of the cost of trip cancellation, $75,000 of medical coverage and $500,000 for medical evacuation.

TripProtector Classic:

If you need a mid-range option with high medical coverage limits and comprehensive trip protection, this is your best bet. It covers trip cancellation up to $25,000 and trip interruption of up to 150% of the cost of the trip. Plus, you’ll get coverage for natural disasters and situations that involve terrorist activities.

TripProtector Preferred:

This is HTH Worldwide’s premier travel insurance plan; it comes with all the benefits of the Classic and Economy plans, plus trip interruption coverage up to 200% of the trip cost and up to $50,000 for trip cancellation. You’ll also get $500,000 in medical coverage and up to $1 million in medical transportation. This plan is a good option if you’re taking an expensive trip or traveling to a remote destination with high-cost medical evacuation options . For example, African safari vacations are often costly and involve outdoor excursions where the terrain can make access to emergency assistance a challenge, so this plan would be ideal for coverage on your trip to Botswana .

TravelGap Excursion excl US:

This plan is best if you already have U.S. health insurance and you want extra medical insurance for your trip. You can choose a maximum benefit ranging from $50,000 to $1 million and a deductible between $0 and $500. This plan covers professional services, inpatient hospital services, medical evacuation and a companion’s transportation to join you if you’re injured during your trip. It also comes with modest trip coverage.

TravelGap Voyager excl US:

This plan is best for people who need flexible travel medical coverage and don’t have primary health insurance in the United States. It comes with medical insurance during your trip, medical evacuation, companion travel and basic trip coverage. You can choose coverage limits between $50,000 and $1 million and a deductible between $0 and $500.

Here’s a brief look at how these plans compare:

Optional add-ons

HTH Travel Insurance offers a few optional add-ons, but only if you purchase the TripProtector Preferred plan. 

These benefits provide extra coverage and come at an extra cost.

Cancel for any reason coverage (CFAR)

This add-on allows you to cancel a trip for reasons not covered in the main policy. When you use it, you’ll be reimbursed for just 75% of the trip costs. To be eligible for CFAR coverage , you must cancel at least two days before you’re scheduled to depart.

Collision damage waiver

The collision damage waiver, which maxes out at $35,0000, covers any damages that result from theft, vandalism, collisions or certain weather conditions. You must be listed on the car rental agreement. The collision damage waiver isn’t available in New York or Texas.

Pre-existing medical condition waiver

The TripProtector Preferred plan can cover pre-existing medical conditions — but only if you buy the policy within 21 days of the date you make the first deposit for the trip. In addition, you must be medically cleared to travel on the day you buy the policy. This waiver covers diseases, illnesses and medical conditions for 60 days before your departure date.

Like most providers, HTH Worldwide travel plans come with a list of exclusions — things the policies do not cover. 

If you have the TripProtector Preferred plan, for example, typical exclusions include:

• Self-inflicted injuries
• Participation in war activities
• Flying a plane
• Mental and emotional disorders (unless you’re hospitalized)
• Athletic participation in professional sports
• Nonemergency surgeries and exams
• Pregnancy (unless it’s a complication of pregnancy)
• Dental treatment (unless it’s necessary after an injury)
• Suicide or suicide attempts
• Extreme sports
• High-risk or criminal activity
• Travel that goes against the advice of a doctor
• Travel to seek medical care

It’s also important to note that HTH Worldwide’s baggage benefits don’t apply to a wide range of items, including boats, professional equipment, musical instruments, hearing aids and orthodontic devices. 

Bear in mind that each policy may have different exclusions — read the fine print carefully to determine what your plan does not cover.

Based on our sales data, customers who purchased HTH Worldwide travel insurance via our platform spent an average of $203 for a 30-day trip. Therefore, we can assume that HTH Worldwide travel insurance costs around $7 per day.

To help you better understand how much HTH Worldwide travel insurance costs, we got quotes to five different countries for the three comprehensive HTH Worldwide plans: TripProtector Economy, TripProtector Classic and TripProtector Preferred. We then took the average of each quote.

Average Cost of HTH Worldwide Travel Insurance Plans

Keep in mind that the price of a travel insurance policy varies depending on several factors, such as your age and the cost of your trip. Therefore, your final cost will be different than those displayed above. To find out how much you’ll pay, get a quote using our online comparison tool .

Methodology for reaching these averages

We used the following details for each quote:

• Total trip cost : $2,000
• Trip duration : Seven days
• Time of trip : September 2024
• State of residence : California
• Destinations : Dominican Republic , Italy , Japan , Mexico and Spain

HTH Worldwide travel insurance plans have 481 customer reviews with an overall rating of 4.23 out of five on Squaremouth .

Here’s what reviewers had to say about HTH Worldwide.

What customers like

Positive reviews highlight these points:

• Easy purchase process
• Availability of direct insurance billing
• Kind and helpful customer service team

These are some reviews from pleased customers:

“I, unfortunately, had to utilize medical facilities on my most recent trip, and had a good experience with HTH…I was connected to someone who instantly created that email for me, and sent it to me and to the hospital. The whole thing took less than 30 minutes. With that letter in tow, I was able to be seen, treated and released without payment on my part. This made the entire episode easier on me. So, I had a very positive experience with HTH and would absolutely use them again.” - Philip

“I spoke with the customer service representatives several times both before and after purchasing my travel policy. Everyone I spoke with was very courteous and very professional. They explained everything very clearly.” - Patrick

What customers don’t like

Reviews that reflect unpleasant experiences mention these issues:

• Can be challenging to connect to support
• Filing claims can be confusing
• Claim processing can take more than one month

Below are some comments from unhappy reviewers.

Bear in mind that customers are often more likely to leave a review when they are upset, rather than when they are satisfied.

“Very difficult to reach them and when I did they would only say I had to file my small claim through the internet.” - Donna

“Had to call a couple different numbers to get a few simple questions answered so it made me concerned if I did have an issue or to file a claim.” - Justin

HTH Travel Insurance may be worth it if emergency medical coverage is your primary concern while traveling.

With the company’s emergency assistance line and mPassport app, you can find healthcare providers that contract directly with HTH Worldwide to handle direct payments and reduce your out-of-pocket costs. Many plans offer high limits for both medical and trip coverage , which is convenient for high-ticket trips to far-flung destinations.

If you need customizable medical coverage, your best bet is one of the company’s TravelGap plans. They allow you to choose your coverage and deductible limits , and they’re available to people with and without primary health insurance.

When you want high coverage limits for both medical care and trip protection, HTH Worldwide’s TripProtector plans are a better option. The Economy, Classic and Preferred plans offer tiered benefits with trip cancellation coverage up to $50,000, medical care up to $500,000, and medical evacuation up to $1 million. The Classic and Preferred plans also offer coverage for natural disasters and terrorism, which is useful when you’re traveling to high-risk countries.

If you want travel insurance that covers multiple trips or long-term travel, you might want to choose another provider .

Do HTH Worldwide travel insurance plans cover COVID?

Certain HTH Worldwide travel insurance plans cover COVID . For example, if you purchase the TripProtector Preferred plan and fulfill the requirements for the preexisting condition waiver, you can use the policy benefits if COVID affects your plans.

Do HTH Worldwide travel insurance plans cover preexisting medical conditions?

Many travel insurance plans from HTH Worldwide, including both single-trip policies, cover preexisting medical conditions. If you’re buying a TripProtector plan, keep in mind that the Economy and Classic plans do not cover preexisting conditions; the Preferred plan does, but only if you purchase it within 21 days of your first trip deposit.

Who owns HTH travel insurance?

HTH Travel Insurance falls under the umbrella of HTH Worldwide.

Hayley Harrison is an active personal finance contributor for LA Times Compare. She is passionate about helping consumers make informed financial decisions and achieve their financial goals by simplifying complex topics relating to insurance and personal finance.

Hayley brings first-hand knowledge of the finance industry thanks to her previous experience as a branch manager for a mid-sized regional bank and as a licensed accident and health insurance agent.

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Xcover.com & rentalcover.com, cover4rentals, staysure travel insurance.

Worldwide Travel Insurance   Reviews

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Reviews 4.7.

3,790 total

Most relevant

Great service

I rang as I was unsure about the selections on the website. I received speedy advise and helpful suggestions. All set up within minutes, travel insurance for my daughter for the year! That gives me great peace of mind.

Date of experience : April 05, 2024

Easy buying process and great service. I’ve had to make 2 claims over the years once for damage caused by another driver in a car park and another for damage under the car caused by a gate post. Both times it was a straightforward process to reclaim my deposit and I’ve saved €1000’s in the process. I 100% recomend Worldwide Travel Insurance!

Date of experience : April 02, 2024

They were very new cus c

They were very helpful and knowledgeable and I was most impressed with the service. Thank you again.

A Frustrating Wait

In Nov 2023, I rented a car from Toyota in Japan, coupled with a subsequent accident, highlighted the challenges of dealing with Worldwide Travel Insurance, particularly when language barriers come into play. Renting a car from Toyota seemed like the perfect way, since Toyota is one of the bigger car company in the World. Our adventure took an unexpected turn when we were involved in a collision that left the rental car totaled. The staff in Claimez repeatedly requested an English version of the supporting documents related to the accident, seemingly unaware of the inherent challenge: the documents were in Japanese, as is customary in Japan. Despite our best efforts to explain the situation and provide translations where possible, the insurer remained adamant, insisting on English documentation as a prerequisite for processing the claim. As days turned into weeks and weeks into months, the waiting game became increasingly agonizing. Each inquiry for updates yielded the same response: the claim was still under review, with no concrete progress or resolution in sight.

Date of experience : December 06, 2023

WTI kept track of my customer relationship even though COVID caused an interruption in my annual policy. As there was a transfer issue when I paid, I mistakenly paid the premium twice. I was promptly notified and the excess payment was reimbursed.

Date of experience : March 11, 2024

I am a repeat customer

I am a repeat customer , The Company promptly recognised who I was , sent a quote and I called up and paid. Simple. I have been using their product for many years - gives peace of mind - just in case. So far , fortunately , has been no need to raise a claim. Thanks .

Date of experience : March 18, 2024

Helpful from the start ...

We have been looking for travel insurance Having approached several companies Worldwide Travel was by far the most helpful and polite A quote, which also covered medical issues was sent quickly along with a copy of the policy We had a few questions which were answered without fuss We dealt with Isobel who dealt with our enquiries wonderfully well

Date of experience : February 19, 2024

To contract is very easy and smooth

To contract is very easy and smooth. last year i didnt claim so i don t know how good it is when claiming. 2 years ago, i did claim and it was pretty good. See you!

Date of experience : March 28, 2024

Wonderful sales team!

The sales team was wonderful and gave me all the options for my travel insurance without any pressure. The advised me to read everything to make sure the policy worked for me. I recommend them!

Date of experience : March 15, 2024

Easy process to renewWanted to renew our Cart Excess…

Wanted to renew our Cart Excess insurance, telephoned and all sorted within a few minutes. Everything explained to my satisfaction. The process was very easy

Date of experience : March 12, 2024

Fast, efficient customer service and insurance

I had a few questions once I got the travel insurance quote. Emailed response from Worldwide Insure was excellent - within hours of me writing. There was a glitch on the website (some of my kids' details not being recognised). Again an emailed response was immediate with full quote details and offer. I paid by phone - no waiting time, straight through to an efficient, helpful and friendly human who talked me through different points and steps. And the policy was received within minutes. I have used them before for car excess insurance and once had to make a claim. Again - fast, concise advice followed by a payout with a few weeks. Nice to know that this service is reliable and trustworthy.

Date of experience : February 27, 2024

Very easy renewal

Very easy renewal. Could be better if they had a direct email link in the renewal letter that picked up the policy details

Date of experience : March 06, 2024

Peace of Mind cover

I am very fortunate to be able to go on holiday 2/3 times a year, usually to the United States for one and Europe for two. I usually rent a car and therefore I take out excess insurance cover. Taking the cover to me is peace of mind cover, it is so simple to arrange.. I’ve also now discovered Worldwide Travel Insurance also can arrange the hire cars for me. Will definitely be trying that next holiday

Date of experience : January 11, 2024

Excellent service for travel insurance.

We have just taken out a travel policy with this company for the third year in a row. We always check various other providers before renewing any kind of insurance, but this company have offered very competitive quotes on each occasion, particularly as we have had a few past medical issues. Every member of staff that have dealt with us have been friendly, helpful and professional. Excellent customer service. We haven’t had to make any claims, so can’t comment on how well they would deal with that, but on our experience so far we can highly recommend them.

Date of experience : January 30, 2024

Great professional yet friendly service…

Great professional yet friendly service from a polite, well trained compassionate member of your team who deserves high praise for thir patience. Well informed individual who guided me clearly through the process.I am very impressed both with the telephone manner email and follow up.I would highly recommend

Date of experience : January 08, 2024

Straightforward process to review options and renew. We hire several times a year, so an annual XS policy is definitely to best way forward. Can't comment on the support if a claim is made, as we haven't needed to do this yet.

Date of experience : January 17, 2024

Worldwide Car Hire Excess policy…Quick

Worldwide Car Hire Excess policy…Quick, efficient… and good value compared to Hire Company’s own policies… as long as it works … still not needed to make a claim (fingers crossed) to test it out.

Date of experience : February 05, 2024

Good at getting money, poor at paying out, but eventually ok

Made a claim for costs incurred with delayed flight baggage (7days) in May 23. Received 50% payment after two months but then my correspondence ignored (Feb24). This company is good at selling but poor at paying claims. EDIT: after my review here the company found my complaint and paid the claim balance. So all well albeit after much delay. So have decided to go with them for this year.

Date of experience : July 31, 2023

Reply from Worldwide Travel Insurance

Thank you for contacting our office regarding your Claim; we will endeavour to assist as quickly as possible. Please be aware that, as the Sales office, we do not receive notification of Claims and are not copied in on any correspondence between our Customers and the Claims office, so we may need to request this information before addressing your query. We do suggest that you contact the claims company directly and bring this query up with them and they may be able to assist. WWTeam

Easy to obtain and reasonably priced.

Great car rental excess insurance.

We have been with Worldwide Travel Insurance for many years for rental car excess insurance. Their renewal process is very easy to follow and to date any price hikes reasonable. Their claim process is equally easy to follow and effective.

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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.

Published 5:00 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. However, the plan costs will vary depending on how many travelers are covered, their ages, how long the trip is, the travel insurance company and plan you choose, plus any upgrades you include.

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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I'm a financial planner, and I'd recommend annual travel insurance to anyone who loves to travel abroad

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

• Frequent and spontaneous travelers will likely benefit from annual travel insurance policies.
• Your credit card may come with some travel protections, but it may not be enough.
• When choosing a policy, look at what it covers, not just what's cheapest.

Summer is just a few months away — and if you're planning a vacation this year, the last thing you want is an unexpected event to derail your plans (and cost you hundreds).

Flights get delayed or canceled constantly. Luggage disappears into the ether. Medical emergencies occur in remote destinations. Yet many jetsetters simply cross their fingers and hope for the best rather than prepare for the worst.

That's why, as a financial planner, I believe it's crucial to consider protecting your trips with the right insurance coverage. One option often overlooked, particularly by frequent travelers, is annual travel insurance .

Annual travel insurance covers all your trips within 365 days. Unlike stand-alone travel insurance, which only covers you for a specific trip, an annual policy covers any trips you take within the year.

That's why I tell clients who travel frequently that an annual policy is a good choice for their needs. By opting for an annual plan, you don't have to go through the hassle of booking multiple policies and potentially save money compared to purchasing individual trip coverage. Here's how it works.

What to look for in a policy

While specifics may vary depending on the insurer and plan tier, most include the following key benefits:

• Trip cancellations or interruptions: You may be able to get reimbursed for expenses (even nonrefundable ones!) related to an illness, injury, or natural disaster that forced you to cancel or cut your trip short.
• Emergency medical and dental care: If you fall ill or get injured while traveling, your insurance can help cover the cost of medical treatment.
• Emergency evacuation: In a serious medical emergency or security situation, your policy will arrange and pay for transportation to a hospital or back to your home country.
• Lost, delayed, or damaged baggage: If your luggage is lost, delayed, or damaged during your trip, you can get financial coverage for essential items while you wait for your stuff to be recovered or replaced.
• Trip delays and missed connections: When your travel plans are disrupted due to issues like mechanical problems or severe weather, you may get reimbursement for additional expenses incurred, like meals, lodging, and transportation.

It's important to note that annual travel insurance plans have limitations. Certain high-risk activities, pre-existing medical conditions, and travel to specific regions may be restricted or require additional coverage.

Some travelers may assume that their credit card's built-in travel protections are enough. While many travel rewards credit cards offer perks like rental car insurance, trip cancellation, and baggage reimbursement, the coverage limits are often much lower than a dedicated annual travel insurance plan.

Credit card coverage for emergency medical care is also particularly limited — capped at a few thousand dollars — which may not be enough in the face of a major international medical emergency.

How much travel justifies an annual plan?

For the occasional traveler who takes one or two trips a year, single-trip policies will probably work for you. But if you fall into any of these buckets, you may want to consider an annual policy:

• Regular international travelers (three or more trips abroad yearly)
• Road warriors frequently away for work
• Adventurers engaging in high-risk activities like heli-skiing, scuba diving, or mountain climbing
• Cruisers and tour group travelers
• Students or retirees taking extended trips throughout the year
• Those visiting developing countries with limited medical care

Annual plans cover all of your trips within a 365-day period after purchasing. They're basically a bundle of multiple policies into one package deal. This means you only have to buy one policy to manage, locking in your coverage for the year.

How to decide if an annual policy makes sense for you

Start by reviewing your travel plans this year — and your risk tolerance. Calculate how much buying individual travel insurance policies would cost you over the next year and compare it to the price of an annual plan.

Don't just focus on the premium — carefully evaluate coverage limits, exclusions, and deductibles to ensure you have enough protection for your needs.

An annual policy gives you the flexibility to take spontaneous trips without the hassle of obtaining last-minute insurance. More importantly, it provides peace of mind, knowing that you're covered for a wide range of travel disruptions and emergencies.

As the busy summer travel season ramps up, definitely explore protecting your trips with insurance, especially if you're jetting off internationally. Spending hours on the phone trying to rebook canceled flights or worrying about affording an overseas medical emergency is no way to vacation.

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Best Cheap Travel Insurance of April 2024

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In an ever-evolving world, emergency medical and evacuation travel insurance coverage is essential, especially if you're traveling internationally. However, sports equipment coverage, pet protection, and cancel for any reason coverage are among the increasingly popular coverage options that are changing the way we travel.

Best Cheap Travel Insurance

• HTH Worldwide Travel Insurance : Best overall
• GoReady travel insurance : Best for trip cancellation 
• Nationwide Travel Insurance : Best value
• Trawick International Travel Insurance : Most popular

Compare the Top Cheap Travel Insurance Plans

Affordable travel insurance reviews.

So you're planning a big family vacation—if you're lucky, the trip of a lifetime. Travel costs can skyrocket quickly, leaving you feeling a bit overwhelmed. At this point, travel insurance starts to look like a potentially unnecessary cost, but is it really?

The best travel insurance plans can go a long way toward defraying unexpected costs that may arise if you're asking the right questions starting with: What does travel insurance cover ?

Best Affordable Travel Insurance Overall: HTH Worldwide TripProtector Economy Travel Insurance

The HTH Worldwide Travel Insurance Economy plan offers the most comprehensive coverage across major categories of all the providers in this guide.

You'll have some peace of mind with up to $75,000 of financial protection for eligible medical emergencies, and up to $500,000 per person for medical evacuation costs. For more everyday expenses, you can also relax with baggage loss and delay, trip interruption, cancellation and delay coverage that will help you recoup many, if not all, of your costs.

However, this plan falls short on missed connection benefits and accidental death coverage, both of which are not available under most circumstances (missed connection coverage only applies to cruises, and will only cover up to $500 per person after a three-hour delay).

Read our HTH Worldwide Travel Insurance review here.

Best Affordable Travel Insurance for Trip Cancellation: GoReady Trip Cancellation Plan Travel Insurance

The GoReady travel insurance Trip Cancellation Plan is exactly that: a cost-effective plan that offers protection in the event that your trip is canceled for a covered reason. The plan we priced out for our hypothetical trip cost just 1.16% of our total travel expenses — a very small amount of money to pay for the guarantee of our money back in the right circumstances.

The benefit is that this plan can supplement other coverage you already have, or give you a little bit of protection for a trip where you might not otherwise have opted for insurance altogether. On the downside, you won't get any protection for medical emergencies, trip interruption or delays or lost bags from this plan.

Read our GoReady Travel Insurance review here.

Best Value Cheap Travel Insurance: Nationwide Essential Travel Insurance

Nationwide Travel Insurance  is a well-rounded alternative to HTH Worldwide Trip Protector Economy. This plan offers solid protection for both travel-related snafus as well as situations that might call for emergency medical and evacuation, making it a good choice for trips where you have cause to worry about potential interruptions or delays. However, it does not offer protection for missed connections or accidental death.

Read our Nationwide Travel Insurance review here

Most Popular Cheap Travel Insurance: Trawick Safe Travels Explorer Travel Insurance

The Trawick International Travel Insurance Safe Travels Explorer plan has been purchased by more than 36,000 travelers since 2020, and it has great reviews to boot. And no wonder: Trawick offers generous trip delay coverage of up to $2,000 per person, although hopefully you won't need to reach that reimbursement amount because the daily limit is $150.

You'll also be able to rely on a $200 reimbursement per person for lost baggage - one of the higher amounts amongst these affordable plans, although this amount pales in comparison to the baggage loss coverage offered through the best travel credit cards .

Read our Trawick Travel Insurance review here.

Types of Cheap Travel Insurance

Comprehensive coverage.

This type of insurance offers extensive protection, covering everything from medical issues to trip cancellations. While it's more expensive up front, it can save you a lot in the long run.

Medical-Only Coverage

As the name suggests, this policy focuses solely on medical emergencies, making it a cost-effective option for travelers who are primarily concerned about health-related expenses.

Evacuation and Repatriation

In extreme cases where you need to be evacuated due to a medical emergency or a natural disaster, this coverage ensures that you can return home safely without incurring huge costs.

Benefits of Opting for Cheap Travel Insurance

Cost savings.

Cheap travel insurance can significantly reduce your travel expenses, ensuring that you're not overpaying for coverage you might not need.

Adequate Coverage for Less

Just because it's cheap doesn't mean it's lacking. Many affordable policies offer substantial coverage, giving you peace of mind without breaking the bank.

How to Pick The Best Cheap Travel Insurance Plan for You

No single travel insurance plan will meet the needs of every single traveler. By nature, we are diverse and evolving meaning travel insurance should be equally so. Travel insurance for a week-long trip to a big city shouldn't be the same as the coverage for a backpacking expedition in the mountains. A splurge to purchase comprehensive insurance coverage may also be worth it for international ventures or other large expenditures.

In most cases, the cost difference between a basic and comprehensive travel insurance plan isn't as significant as you might think. Regardless, it's generally a good idea to choose a trusted travel insurance provider known for exceptional customer service and coverage. (For this roundup, we looked at traveler reviews shared through the travel agency SquareMouth .)

• Assessing Your Travel Needs: Consider the nature of your trip, the destination, and your own personal needs when choosing a policy. This ensures that you're not over-insured or underinsured.
• Comparing Different Policies: Don't settle for the first policy you find. Compare different options, looking at their coverage and prices, to find the best fit for your budget and needs.
• Reading the Fine Print: Always read the terms and conditions carefully to understand what's covered, what's not, and the process for making a claim.

Affordable Travel Insurance Tips

What company offers the cheapest travel insurance.

If you just want trip cancellation protection, go with the GoReady Trip Cancellation Plan. For more robust coverage that won't break the bank, consider HTH Worldwide's TripProtector Economy, Trawick's Safe Travels Explorer, or Nationwide's Essentials plan.

Can cheap travel insurance provide enough coverage for international trips?

Yes, many affordable policies offer comprehensive coverage suitable for international travel. It's crucial to compare policies and understand your needs.

Why is travelers insurance so cheap?

Travelers insurance is relatively cheap because it only covers you for a set period of time, and depending on your plan, the level of coverage you get may not be particularly high. However, even with high coverage limits and extras like cancel for any reason coverage , travel insurance is relatively affordable. 

How much should travel insurance cost?

The average cost of travel insurance is 4%-8% of your trip's cost. This usually translates into a premium between $89 to $399.

Why You Should Trust Us: How We Chose the Best Cheap Travel Insurance

To determine the best insurance plan for travelers on a budget, we evaluated dozens of products using a hypothetical trip to Australia for a single traveler, age 26, with a total cost of $2,500 for flight, hotel and other incidentals. We then compiled the plans that covered the essentials at the lowest costs.

Of note: All of these plans include COVID-related medical coverage and 24-hour assistance, and pay at least 100% of your trip cost for eligible trip cancellations. None include rental car coverage.

The seven winning plans cost between $29 to $74 — significantly below the typical cost of comprehensive travel insurance, which can range between 4%-8% of total travel expenses, according to the US Travel Insurance Association.

But these affordable plans also come with comparably low ceilings for various aspects of coverage such as emergency medical, trip cancellation, or delay — and do not include rental car or "cancel for any reason" (CFAR) protection. So if you think you might need these benefits, it may well be worth upgrading to a comprehensive travel insurance plan for a few more dollars, just for the peace of mind.

Convenience and Flexibility

Each of the plans in this list include 24-hour assistance worldwide from reputable insurance providers. And despite being on the lower end of insurance plans, each of these options includes refunds for up to 100% of your total trip cost for eligible reasons. Each of these plans also includes medical coverage for COVID-related issues that may arise during your travels, which may come in handy as the pandemic continues to evolve worldwide.

Sufficient Coverage in Essential Categories

The cheapest travel insurance plan will rarely cover every scenario that could go awry on your trip. However, each of these plans can at least help you get your money back in the event that your travel is canceled for an eligible reason, and most of them include financial protection if you incur emergency medical bills while traveling. We also factor in what travelers are most concerned about now. 

You can read more about how Business Insider rates insurance here.

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WorldTrips Travel Insurance Review: Is it Worth The Cost?

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Since 1998, WorldTrips has provided medical insurance and trip protection to travelers from the U.S. and around the world in addition to coverage for international students. The company also provides coverage for various tour groups, missionary work and student exchange programs. The insurance policies are underwritten by Tokio Marine HCC, a Houston-based insurance company.

Whether you’re a U.S. resident looking for comprehensive travel insurance plans or a student looking for a medical-only policy, WorldTrips insurance has coverage options.

What kind of plans does WorldTrips provide?

If you’re a U.S. resident, WorldTrips offers four single-trip comprehensive travel insurance plans: Atlas Cruiser, Atlas Journey Economy, Atlas Journey Preferred and Atlas Journey Premier. Here's a quick overview of the coverage offered by each plan.

Atlas Cruiser: This plan comes with 100% trip cancellation , 100% trip interruption , $25,000 medical expenses, $100,000 medical evacuation and $1,500 baggage loss coverage (up to $500 per item). This plan also offers optional Cancel For Any Reason coverage for up to 75% of the total trip cost (as long as you purchase it within 21 days of your initial trip payment and more than 48 hours before your trip begins).

Atlas Journey Economy: This budget plan covers 100% trip cancellation, 100% trip interruption, $10,000 medical expenses , $250,000 medical evacuation and $1,000 baggage loss (up to $250 per item).

Atlas Journey Preferred: This mid-range plan offers coverage for 100% trip cancellation, 150% trip interruption, $100,000 medical expenses, $1 million medical evacuation and $1,500 baggage loss (up to $500 per item). You can add Cancel For Any Reason coverage for 50% or 75% of the total trip cost.

Atlas Journey Premier: The priciest plan also provides the most coverage, including 100% trip cancellation, 150% trip interruption, $150,000 medical expenses (primary coverage), $1 million medical evacuation and $2,000 baggage loss (up to $500 per item). You have the option to add Cancel For Any Reason coverage for 50% or 75% of the total trip cost.

Non-U.S. residents and international students have access to medical-only policies. Annual plans aren’t available for U.S. residents.

» Learn more: The best travel insurance companies

WorldTrips travel insurance cost and coverage

WorldTrips offers several comprehensive single-trip plans that include basic trip protections and medical coverage. The cost varies based on coverage limits.

WorldTrips single-trip plan cost

Here's a comparison of the cost of WorldTrips insurance plans for a 10-day trip that costs $2,000 for a 35-year-old traveler from California. In our example, the destination isn’t specified, and the trip doesn’t include a cruise.

The Atlas Journey Premier plan comes in at $126, the most expensive option. The Atlas Cruiser plan has a similar cost of $120. The Preferred and Economy plans, which cost $103 and $79, respectively, are a bit cheaper, but come with lower coverage limits.

» Learn more: What to know before buying travel insurance

Which WorldTrips travel insurance plan is for me?

The kind of coverage you’re seeking for your upcoming travels is going to affect your plan selection. Here are a few situations which might influence your decision:

If you’ve made nonrefundable deposits for your trip: If you’re going on a safari to Kenya or on a cruise to Antarctica and you’ve prepaid nonrefundable expenses, you probably want to go with plans that offer more coverage, such as Atlas Journey Preferred or Atlas Journey Premier.

If you need to add on Cancel for Any Reason coverage: For single-trip insurance plans, go with either Atlas Cruiser, Atlas Journey Preferred or Atlas Journey Premier because they offer this optional upgrade.

If travel insurance is mandatory and you hold a premium travel rewards credit card : If a tour operator requires you purchase travel insurance but you hold a credit card that already provides some trip protections, you can probably get away with the least expensive Atlas Journey Economy policy.

» Learn more: What does travel insurance cover?

How to get a quote from WorldTrips

To get an online quote, go to the WorldTrips home page and select whether you’re a U.S. resident, a non-U.S. resident or an international student. If you’re a U.S. resident, click on that box, then fill out the form to price your plan.

Make sure to provide your state of residence, total trip cost, departure and return dates, traveler’s age and initial trip payment date. If you’re going on a cruise, be sure to check the box. Once the form is complete, select “View my plans” and compare the plan types.

What isn’t covered by WorldTrips insurance?

As with any travel insurance policy, there are some exclusions to coverage. Here’s a sampling of things WorldTrips doesn’t cover:

Intentional self-inflicted injuries, including suicide.

War, invasion or acts of foreign enemies.

Speed or endurance competitions as well as athletic stunts.

Piloting or learning how to pilot an aircraft.

Being engaged in illegal activities.

Medical tourism.

Traveling against a physician’s advice.

Operating a motor vehicle without a license.

» Learn more: How much is travel insurance in 2023?

Is WorldTrips travel insurance worth it?

WorldTrips insurance offers multiple plans for U.S. travelers looking for trip insurance and medical coverage abroad as well as non-U.S. travelers and students looking for medical coverage in case of an unexpected injury or illness.

If you travel once or twice per year, WorldTrips offers several comprehensive single-trip policy options that are worth checking out. However, if you need an annual plan, you'll want to look elsewhere.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.