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U.S. Tourist Visa and Travel Insurance Requirements

1. what types of u.s. visas are available for international tourists, 2. how do i apply for a u.s. tourist visa, 3. what documents are required to apply for a u.s. tourist visa, 4. how long does it take to obtain a u.s. tourist visa, 5. what is the cost of a u.s. tourist visa, 6. what is the maximum period of stay allowed on a u.s. tourist visa, 7. what are the restrictions related to a u.s. tourist visa, 8. is travel insurance required for visiting the united states, 9. does travel insurance cover medical expenses while visiting the united states, 10. what type of travel insurance is accepted by the united states, 11. how much does travel insurance cost for a trip to the united states, 12. how do i purchase travel insurance for a trip to the united states, 13. what are the benefits of purchasing travel insurance for a trip to the united states, 14. what type of coverage should i look for when purchasing travel insurance for a trip to the united states, 15. what are the cancellation and/or refund policies associated with travel insurance for trips to the united states, 16. does travel insurance provide coverage for lost or stolen items while visiting the united states, 17. are there any exclusions related to travel insurance purchased for visits to the united states, 18. are there age restrictions associated with purchasing travel insurance for visits to the united states, 19. are there any requirements related to pre-existing medical conditions when purchasing travel insurance for visits to the united states, 20 are there any special considerations related to covid-19 when purchasing travel insurance for visits to the united states.

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5 Best Travel Insurance Plans When Visiting the U.S.

With travel insurance, you can get reimbursed for trip delays, lost luggage, and even medical expenses, jan 31, 2023, why use travel insurance.

If you’re gearing up for a trip to the United States on travel visa , you may want to think about purchasing travel insurance. While not necessary for immigration purposes, it can still offer you and your loved ones much needed financial security.

What kind of financial security? As you’ll see, many companies cover expenses related to delays, interruptions, cancellations, medical services, and baggage-related issues. That being said, it’s always a good idea to read the fine print of your travel insurance agreement to better understand the scope of your particular plan.

In this article, we’ll provide an overview of the top 5 travel insurance companies for your journey to the United States.

5 Top Travel Insurance Plans

World nomads.

This company provides travel insurance products to people around the globe. You can use their “ Get a Quote ” form to see which plans are available for your particular circumstances. Let’s say you’re coming to the United States from Japan with two children (ages 6 and 16), and your trip will last from March 1 to March 8. In this case, you’ll have access to two plans: the Standard (for $219) and the Explorer (for $246).

Whereas the Standard plan covers emergency medical expenses up to $5,000,000, the Explorer plan provides unlimited coverage. Both of these plans cover cancellation-related costs, but only in certain cases . If, for instance, a loved one dies or falls ill prior to departure, any non-reimbursable travel expenses – including lodgings, transportation, and visa fees – will be covered (up to $5,000 for the Standard and $10,000 for the Explorer). Each plan also covers:

  • Trip interruptions (up to $3,500 for the Standard, and $5,000 for the Explorer)
  • Lost or damaged baggage
  • Travel delays lasting at least 12 hours
  • Counseling services

IMG Global has two primary travel insurance options : the iTravelInsured Travel SE (which they recommend) and the iTravelInsured Travel LX (which is their most popular). They each provide:

  • 100% coverage for trip cancellations
  • 150% for interruptions
  • Financial protection for medical evacuations (up to $1,000,000 for LX and $500,000 for SE)
  • Limited coverage for trip delays (up to $2,500 for LX and $2,000 for SE)
  • Coverage for unforeseen illnesses and accidents, including COVID-related issues (up to $500,000 for LX and $250,000 for SE)

If you need any assistance, IMG offers round the clock customer support for emergency situations – such as if you need prescription information or if you have to make last minute travel plans.

If, after you purchase the LX or SE travel insurance, you decide you don’t need the coverage after all, you can cancel the plan for no additional fee, as long as you request the cancellation prior to your departure and within 10 days of the insurance start date. IMG offers 3 other plans as well, such as the iTravelInsurance Travel Lite plan , which covers 100% of cancellation-related costs and 125% for interruptions.

Travel Guard

Travel Guard, which is owned by AIG, provides options for non-U.S. residents from the following countries:

  • South Africa
  • United Arab Emirates

Travel Guard’s Ireland branch offers a variety of different products , including plans for single trips, annual multi-trip vacations, and family holidays. With the Premium Plus Single Trip Plan , policyholders can expect unlimited coverage for medical expenses, 100% of cancellation-related costs, €2,500 for baggage-related issues, and even €500 for insufficient lodgings.

The branch in Canada offers a trip cancellation plan, emergency medical plan, and annual holiday plan. They also have an All Inclusive Package , which includes coverage for:

  • Trip cancellations
  • Trip delays
  • Trip interruptions
  • Medical evacuations
  • Baggage-related issues
  • Emergency medical costs
  • Round the clock emergency support

With the All Inclusive Package, policyholders can choose to add upgrades, such as protection for golf clubs and rental cars.

Trawick International

Trawick International offers three plans specifically designed for non-U.S citizens looking to visit the United States. The Safe Travels USA Comprehensive plan, for instance, covers medical accidents and illnesses – including COVID-related issues – up to the policy maximum (which can be as high as $1,000,000). And although it covers trip interruptions (up to $5,000) and lost baggage (up to $1,000), it does not cover cancellations . The USA Comprehensive plan also covers:

  • Fatal accidents and dismemberment (up to $25,000)
  • Dental services (up to $250)
  • Mental health issues (up to $2,500)
  • Medical evacuation (up to $2,000,000)
  • Pre-existing conditions (up to policy maximum)

Note that when you first request a quote, the policy maximum will be set to $50,000, but you can change that number manually if you so wish. Similarly, while the deductible starts at $250, you can change it to anywhere between $0 and $5,000.

VisitorsCoverage

Last on our list is the travel insurance offered by VisitorsCoverage . Though there are a number of plans to choose from, the most popular (and bestselling) option is the CoverAmerica-Gold plan .

This plan, like those offered by Trawick, provides coverage for a variety of medical expenses, and even though it covers trip delays (up to $100) and interruptions (up to $10,000), it does not cover trip cancellations . Compared to other plans, it provides a number of added benefits, including coverage for flu shots, COVID-19 screening and quarantine, and lost or stolen passports.

The amount of medical coverage depends on whether the provider is in- or out-of-network, and following the U.S. model, the coverage only kicks in after the deductible. If the doctor is in-network, you’ll get 100% coverage up to the policy maximum, but if they’re out-of-network, you’ll only get 80%. Let’s say you need to stay the night in an out-of-network hospital. In this case, you can expect 80% of the initial $5,000 and 100% coverage for additional expenditures – up to a maximum of $250,000, $100,000, or $50,000, depending on your circumstances. Deductibles, in this case, can range from $100 to $5,000.

Choosing the Right Travel Insurance for Your Needs

A tourist on a travel visa in the U.S.

While prices may vary, you can get a decent travel insurance plan, covering a 1-week trip, for a couple hundred dollars. That’s a small price to pay when you consider everything that can go wrong on a short trip abroad. The plans summarized above provide a mix of options, and in many cases, you can customize your plan to suit your specific needs.

If, for instance, you’re traveling with an elderly loved one, you may want to purchase a plan with a lot of medical coverage (such as those provided by Trawick International or VisitorsCoverage). But if you’re more concerned about the prospect of trip cancellations or baggage issues, the plans offered by World Nomads or IMG Global might be a better fit. Of course, it’s never fun to think about worst-case scenarios, but in this case, it may prove useful.

Interested in traveling to the U.S.? Our experienced team can help you prepare a strong application and avoid common mistakes that lead to visa denial. Learn more about what Boundless can do to help.

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Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.

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What type of coverage do you need?

  • Vacation / Holiday
  • Visitor / Immigrant
  • Student / Scholar
  • Employer / Business Traveler
  • Expat / Global Citizen
  • Mission / Social Good
  • Marine Captain / Crew
  • Flights / Airfare
  • Cruises / Excursions

Travel Medical Insurance

Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.

Popular Plans

International health insurance.

Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.

Travel Insurance

Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.

Enterprise Services

Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.

What type of organization do you represent?

  • Corporations
  • Insurance Companies
  • Educational Institutions
  • Mission Organizations
  • Maritime Industries
  • Government Agencies
  • Non-Profit Organizations

Medical & Travel Assistance

Your travelers can access 24/7 global support should they need medical attention, travel assistance, or medical transport services.

Global Workers' Compensation Case Management

Rest assured knowing you have an experienced team who is committed to reducing your costs, moving your files forward, and serving as an international resource for all your work injury claims.

Security Assistance Services

Keep your travelers safe, no matter where they are, with real-time alerts and intelligence on safety, health, political, and other global risks.

Insurance Administrative Services

You’ll have experts to guide you through all things related to your health care plan needs, from enrollment to claim reimbursement.

Visitor Insurance Plans

Visitor & immigrant health insurance options.

V isitor Insurance most commonly refers to international travel medical insurance plans designed for international travelers visiting the United States of America. These plans are perfect for non-U.S. citizens who have domestic health insurance, but aren’t covered outside of their home country.

Specifically, in the United States, healthcare costs are much higher than the rest of the world, and an unexpected illness could result in you owing thousands of dollars. IMG’s visitor insurance plans provide coverage for new medical expenses, multilingual customer service experts, hands-on healthcare coordinators available 24/7 and online resources to make traveling internationally less stressful.

Visitor Insurance plans are excellent for visiting family members or friends, vacationing, taking a short business trip, or any reason that you may find yourself in the U.S. To compare IMG's visitor insurance plans, check out our article, How to Choose the Best Visitor Insurance Plan for You .

Popular Plans For Visitors & Immigrants

Patriot America Plus

Patriot America Plus

Temporary health insurance for non-U.S. residents traveling to the USA

  • COVID-19 coverage for travelers to the U.S.
  • Coverage for inside the U.S.
  • Short-term travel medical coverage
  • Made for individuals, groups, and their dependents
  • Coverage for Acute Onset of Pre-Existing Conditions*
  • Freedom to seek treatment with hospital or doctor of your choice

Summary of Benefits

Visitors Protect Insurance

Visitors Protect Insurance

Temporary health insurance for individuals, families

  • Coverage for Pre-Existing Conditions
  • Coverages for inside the U.S., Canada and Mexico
  • Coverage for individuals, and their dependents
  • Subject to deductible and coinsurance
  • Limit: $300 (Unexpected pain or treatment due to an accident)
  • Treatment at a hospital due to an
  • Additional treatment for the same injury rendered by a dental provider will be paid at 100%

Patriot Platinum Travel Medical Insurance

Patriot Platinum Travel Medical Insurance

Temporary first-class health insurance for individuals, families, and groups

  • Coverages for inside and outside the U.S. ( Patriot America Platinum / Patriot International Platinum )
  • Coverage for individuals, groups, and their dependents
  • Higher Limits & More Coverage than Patriot Lite Travel or Patriot Plus

Additional Plans For Visitors & Immigrants

Patriot Lite Travel Medical Insurance

Patriot Lite Travel Medical Insurance

Temporary health insurance for individuals, families, and groups when traveling outside of your home country.

Visitors Care

Visitors Care

Temporary fixed coverage health insurance for non-U.S. residents when traveling outside of your home country.

Global Medical Insurance

Global Medical Insurance

A long-term (1+ year), annually renewable, worldwide medical insurance program for individuals and families.

Patriot Multi-Trip Travel Medical Insurance

Patriot Multi-Trip Travel Medical Insurance

Annual multi-trip travel medical insurance for individuals, families and groups.

UnitedHealthcare Dental Plans

UnitedHealthcare Dental Plans

Dental insurance options with coverage for routine preventive dental care for individuals and families visiting the U.S. Underwritten by Golden Rule Insurance Company.

UnitedHealthcare Vision Plans

UnitedHealthcare Vision Plans

Vision insurance with coverage for routine preventive vision care for individuals and families visiting the U.S. Underwritten by Golden Rule Insurance Company.

Give us a call

Have any questions we’re here to help you, 866-263-0669, is visitor insurance required in the u.s..

V isitor insurance is not required to travel to the U.S. on a B-2 visa. However, healthcare costs in the U.S. are often higher than those in other countries, so not having the proper coverage could leave you to pay thousands of dollars for any necessary medical care.

Purchasing visitor insurance is also a very simple process as no medical exam or medical history review is necessary to get coverage. These plans are designed to protect you from unexpected illnesses or injuries that occur while you are traveling, thus your past health history is not needed.

For answers to any other visitor insurance questions, check out our Visitor Insurance FAQs .

How Much Does Visitors Insurance Cost? Coverage starts at a few dollars per day and increases depending on age and coverage options

IMG’s most popular visitor insurance plan, Patriot America Plus , offers excellent coverage at a competitive price. There are also other product tiers that vary in price depending on your budget and level of benefits. Patriot Platinum Insurance provides the highest level of coverage, while Visitors Care provides a lower priced option with limited benefits. Or you can choose your own visitor insurance plan.

Factors that Determine Cost The cost of a visitor health insurance plan varies based on many factors, including:

Age of traveler.

Old and young visitors alike can find a visitor insurance plan that fits their needs. While premiums become more expensive for older travelers due to increasing risks of health problems, there are still many varying price levels available to fit in your budget.

Area of Coverage

Visiting the United States will result in a higher premium than if traveling to another part of the world due to the high costs of medical care in the country.

View the breakdown of daily and monthly rates in the Patriot America Plus brochure  to get a better idea of how much you can expect to spend for coverage during your trip. For any trip longer than a year, you may also want to explore our international health insurance options .

Coverage Level

Higher maximum limits and lower deductibles will increase your plan costs. Consider how much you could afford in addition to your deductible if something unexpected were to happen while you’re away when choosing the right options for you.

What Does Visitor Health Insurance Cover? Depending on the visitor insurance plan purchased, some of the key benefits provided can include:

Emergency evacuation.

In the event of an emergency medical evacuation, coverage provides evacuation to the nearest qualified medical facility and expenses for reasonable transportation resulting from the evacuation.  

Medical Expenses

Coverage for medically necessary expenses resulting from new or unexpected injuries or illnesses including local ambulance, intensive care, emergency room, and more, if needed.

Return of Mortal Remains

Should a covered illness or injury unfortunately result in death, this benefit provides coverage for repatriation of bodily remains or ashes to your home country; or for the preparation, local burial or cremation of your mortal remains, at the place of death.

Pre-Existing Condition Coverage (Varies by Plan)

Visitors Protect provides pre-existing condition coverage for gradually developing conditions or those becoming worse over time. Patriot America Plus and Patriot America Platinum provide coverage for acute onset of pre-existing conditions in the event of a sudden and unexpected outbreak or recurrence of a pre-existing condition.

Recent Blog Articles

Where can you travel internationally right now.

There are many international destinations that you can currently visit, but here are eight popular spots to consider for your next leisure getaway.

Frequently Asked Questions

Our Visitors Protect plan offers coverage for pre-existing conditions that gradually develop or worsen over time (such as diabetes or high blood pressure). This plan is designed specifically for individuals and families traveling from their home country to the United States, Canada, and Mexico. For more information, view the full Visitors Protect benefits table .

Other IMG international travel medical plans may cover “Acute Onset of Pre-Existing Conditions.” This is different than a more traditional definition of “Pre-Existing Conditions.” Patriot America Plus, Patriot America Platinum, Patriot International, and Visitors Care plans cover acute onset of pre-existing conditions, but they are only covered prior to age 70 and are subject to the language in the insurance plan. Here is our definition of what would be considered an acute onset of a pre-existing condition (according to a sample insurance plan from October 2022):

A sudden and Unexpected outbreak or reoccurrence that is of short duration, is rapidly progressive, and requires urgent medical care. A Pre-existing Condition that is chronic or congenital, or that gradually becomes worse over time is not an Acute Onset of Pre-existing Condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective date, the Insured Person (i) knew or reasonably foresaw he/she would receive, (ii) knew or reasonably foresaw he/she should receive, (iii) had scheduled, or (iv) were told that he/she must or should receive, any medical care, drugs or Treatment.

Yes, the insured does not have to be the one that fills out the application. You can purchase a travel medical plan for your parents, friends, or relatives as long as you have the necessary information.

It is best to check all of your existing coverages or insurance policies before traveling abroad so that you're aware of how you're covered and where you have gaps in your existing coverage.

IMG’s international travel medical products are not a substitute for minimum essential coverage that you may need to have under PPACA. If you are a U.S. citizen, national or legal resident alien in the U.S., you will need to maintain minimum essential coverage unless you are exempt. Exemptions include:

  • Individuals not residing in the U.S.
  • Non-U.S. citizens who are “non-resident aliens” (for U.S. income tax purposes).  See Am I a Resident or Non-Resident Alien? 
  • Individuals with a coverage gap of less than 3 months
  • Individuals who cannot afford coverage (i.e. required contribution exceeds 8% of household income)
  • Individuals with a religious conscience exemption (applies only to certain faiths)
  • Members of a health care sharing ministry
  • Incarcerated individuals
  • Individuals with income below the tax filing threshold; and
  • Members of Indian tribes

You will not need PPACA coverage for short-term travel to the U.S., unless you are considered an “alien lawfully present” in the U.S. See I am a Non-U.S. citizen covered under a Global Medical Insurance Plan .

In general, PPACA does not govern short-term limited duration insurance, like IMG’s short-term travel medical insurance programs .

However please understand that under PPACA, as of January 1, 2014, extensions of short-term coverage will be limited to less than 12 months to meet the definition of a short-term limited duration plan.

The "Patient Protection and Affordable Care Act," commonly known as PPACA, was first introduced as a measure to deal with rising healthcare costs and numbers of uninsured.

The heart of PPACA consists of three provisions: guaranteed issue (insurers must offer coverage regardless of the applicant's health status or pre-existing conditions), community rating (insurers must offer policies within a given territory at the same price regardless of health status, age, gender, or other factors), and an individual mandate. The individual mandate assures that everyone has a minimum amount of coverage: those above a certain annual income are required to purchase coverage or incur a tax penalty; those who cannot afford it will have their coverage paid for by the government.

As PPACA continues to be implemented and challenged throughout the country, understanding the issues and implications for the international insurance industry and your business becomes all the more important.

Insurance prices are regulated by the government - you won't find a better price on IMG insurance plans anywhere else.  

Visitors should plan to get insurance after they plan their trip and receive their visa, but before they arrive in the U.S. The effective dates for coverage should match their visa.

If you were to suffer an injury or get sick while visiting the United States, you might be surprised by the cost of medical care. You may also be surprised by the limited assistance your domestic insurance provider can provide while you're visiting. Visitor insurance coverage in the U.S. helps to ensure that you don't incur any unforeseen expenses, receive excellent care, and get home quickly and safely if anything were to happen during your visit. 

If you are applying for coverage under the Patriot series of plans, IMG will process your application and send your ID card and other documents within one business day. If you are applying for coverage under the Global or Group series, IMG will process your application within three to four business days following the receipt of all required information, and your materials will be forwarded the same day coverage is approved. Every attempt will be made to process your application timely. The specific time frame depends largely on the type of coverage for which you are applying. 

This is not an offer to enter into an insurance contract. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). The actual rates and benefits are governed by the Insurance Contract and nothing else. Benefits are subject to exclusions and limitations.

Need extra protection and coverage? Explore our travel insurance options.

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Worldwide caution, update january 10, 2024, information for u.s. citizens in the middle east.

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U.S. Visa: Reciprocity and Civil Documents by Country

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Visit our Newsroom for information about the current status of visa services and visa restrictions related to the COVID-19 global pandemic

What is a U.S. Visa?

A citizen of a foreign country who seeks to enter the United States generally must first obtain a U.S. visa, which is placed in the traveler’s passport, a travel document issued by the traveler’s country of citizenship.

Certain international travelers may be eligible to travel to the United States without a visa if they meet the requirements for visa-free travel. The Visa section of this website is all about U.S. visas for foreign citizens to travel to the United States.

(Note: U.S. citizens don’t need a U.S. visa for travel, but when planning travel abroad may need a visa issued by the embassy of the country they wish to visit. In this situation, when planning travel abroad, learn about visa requirements by country, see country information in the International Travel Section section of this website.)

More Information about Visas

Find out what visa type is appropriate for you

The type of visa you must obtain is defined by U.S. immigration law, and relates to the purpose of your travel.

Please visit our Visa Wizard to find out what visa type is appropriate for you.

You can also visit our Frequently Asked Questions   or find out about the  Visa Waiver Program .

Other useful links:  Visa Categories   |   Find a U.S. Embassy or Consulate   |   Glossary

Visa Appointment Wait Time

Check the estimated wait time for a nonimmigrant visa interview appointment at a U.S. Embassy or Consulate.

Note: Please check the individual Embassy or Consulate website to determine if your case is eligible for a waiver of the in-person interview.

Applicants scheduling visa appointments in a location different from their place of residence should check post websites for nonresident wait times.

Select a U.S. Embassy or Consulate:

Global visa wait times, travel to the united states, forms & fees, rights & protections for temporary workers, fraud protection, glossary, a-z index, & faqs, electronic system for travel authorization application, rights & protections for foreign-citizen fiancé(e)(s), check the visa bulletin, need help getting started.

Many non-U.S. citizens need a visa to enter the United States to visit, work, and live. Why do you want to travel to the United States? Please try our Visa Wizard.

U.S. Visas News

Jan 2, 2024 Worldwide Visa Operations: Update

Dec 21, 2023 Important Update on Waivers of the Interview Requirement for Certain Nonimmigrant Visa Applicants

Dec 21, 2023 Department of State to Process Domestic Visa Renewals in Limited Pilot Program

Oct 19, 2023 Visa Waiver Travel for Israeli Citizens

Oct 6, 2023 Final Rule Governing Public Charge Grounds of Visa Ineligibility

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Best Travel Insurance Companies of February 2024

Get travel insurance for as low as $43 with one of our top providers

via Faye’s secure site

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Sarah Horvath is one of the home service industry’s most accomplished writers. Her specialties include writing about home warranties, insurance, home improvement and household finances. You can find her writing published through distributors like HouseMethod, Architectural Digest, Good Housekeeping and more. When not writing, she enjoys spending time in her home in Orlando with her fiance and parrot.

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Mark Friedlander is Director, Corporate Communications, at the Insurance Information Institute (Triple-I), a New York-based nonprofit research and education organization focused on providing consumers with a better understanding of insurance. Mark serves as a national spokesperson for the Triple-I, handling a wide array of insurance industry media issues. His responsibilities also include spearheading the association’s hurricane season communications strategy and its member company support and media outreach in Florida, where he is based.

After reviewing dozens of companies , our team found that Faye, Travelex and Nationwide are the best travel insurance providers, offering a variety of protections and policy options. However, the right policy for you might vary depending on your coverage needs and travel plans.

Travel insurance is a type of financial protection that offers reimbursement if your trip gets canceled, you incur medical bills abroad, and for other situations like missed flight connections and baggage delays. The right travel insurance policy offers peace of mind in protecting your trip in case of an unexpected accident or cancellation.

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Our Rankings of the Best Travel Insurance Companies of 2024

After reviewing dozens of travel insurance providers operating throughout the U.S., the following are our top recommendations.

  • Faye : Our top pick
  • Travelex Insurance : Our pick for budget travelers
  • Nationwide Travel Insurance : Our pick for cruise travel
  • Seven Corners Travel Insurance : Our pick for international travelers
  • AIG Travel Guard : Our pick for families
  • Generali Global Assistance : Our pick for emergency assistance
  • Trawick International : Our pick for college students
  • John Hancock Travel Insurance: Our pick for delay coverage
  • Tin Leg Travel Insurance : Our pick for customizable coverage
  • International Medical Group : Our pick for medical coverage
  • Berkshire Hathaway Travel Protection : Our pick for luxury travelers
  • GoReady Travel Insurance: Our pick for immediate reimbursement
  • WorldTrips Travel Insurance: Our pick for hunters
  • Travel Safe Insurance: Our pick for additional AD&D coverage
  • HTH Travel Insurance : Our pick for group travel
  • AXA Assistance USA : Our pick for leisure travelers
  • Allianz Global Assistance : Our pick for business travelers

Why Trust MarketWatch Guides

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

Companies Reviewed

Quotes Collected

Rating Factors

Compare Travel Insurance Companies

Comparing travel insurance providers can help you find the best possible coverage for your needs — whether you are looking for a low price, special cruise inclusions or another important feature. Use the table below for a glance at a few of our top providers.

Top Travel Insurance Providers in Detail

Learn more about each of our top travel insurance companies, including the average policy costs our team determined by examining and averaging quotes for four unique trips.

Faye

  • Average cost: $298
  • Trip cancellation max: 100% of trip cost
  • Medical coverage max: $250,000

Why We Picked Faye Travel Insurance

As a platform that prioritizes a digital, entirely online experience, Faye can be an ideal choice if you’re shopping for last-minute coverage. Simply answer a few questions about your upcoming trip, adjust your coverage limit and buy a comprehensive travel insurance plan in just a few minutes. While Faye offers only one plan choice, its general coverage inclusions may be a good fit for vacationers seeking quick coverage.

Pros & Cons

Coverage overview.

Faye offers one plan with several optional add-on options.

Optional Add-Ons 

  • Cancel for any reason (CFAR) 
  • Rental car damage or theft
  • Adventure and extreme sports protection 
  • Vacation rental damage protection

*Coverage limits and availability may vary by state of residence.

We obtained premium costs for seven trips as outlined in our review methodology, and Faye’s average trip cost is $297.87.

Travelex

  • Average cost: $212
  • Medical coverage max: $50,000

Why We Picked Travelex

Travelex is our top choice for travel insurance taking budget vacations and trying to prioritize price over other factors. Travelex’s policies are exceptionally low-cost — depending on your vacation’s value, you could qualify for flat-rate coverage of $60 per traveler. It also offers a flat-rate Travel America plan for domestic trips.

Travelex’s base plan, the Travel Basic coverage, includes 100% protection for both trip cancellation and interruption. It also includes $15,000 worth of emergency medical coverage, $100,000 in emergency evacuation coverage and $500 for lost baggage. Travelex’s Travel Select plan extends additional coverage, such as sporting equipment delay benefits of $200 and you can include kids with your policy.

Travelex offers the following add-ons for the Travel Select policy:

  • CFAR coverage (50% reimbursement)
  • Medical expense extension (extends coverage to $50,000)
  • Adventure sports waiver for medical expenses coverage
  • Accidental death and dismemberment (AD&D) extension (extends coverage to $25,000)

We obtained premium costs for seven trips as outlined in our review methodology, and Travelex’s average trip cost is $242.

Nationwide Travel Insurance

Nationwide Travel Insurance

  • Average cost: $175
  • Trip cancellation max:  $30,000 or 100% of trip cost
  • Medical coverage max: $150,000

Why We Picked Nationwide

If you’re planning a cruise vacation , you may have already considered a range of hazards that can specifically impact ship vacations. For example, even a minor flight or trip delay can result in a complete loss of your total trip cost if you miss your cruise departure. Nationwide is one of the best travel insurance companies for cruisegoers, offering three levels of cruise-specific coverage. These plans include items like coverage for mechanical breakdown and terrorism in destination cities, which are not usually included under standard travel insurance plans.

Nationwide offers three levels of cruise coverage: the Universal, Choice and Luxury cruise policies. As the names suggest, each tier covers varying levels of cruise expenses. For example, the Universal policy covers $500 worth of expenses related to missed connections while the Luxury policy offers $2,000.

Nationwide offers the following add-ons for its cruise coverage:

  • AD&D benefits
  • CFAR coverage (up to 75% of trip costs)
  • Vendor financial default coverage
  • Interruption for any reason (IFAR) coverage
  • Pre-existing conditions waiver
  • Rental car collision damage

In addition to cruise coverage, Nationwide also offers the following two travel insurance plans, which include standard baggage and cancellation insurance.

Seven Corners Travel Insurance

Seven Corners Travel Insurance

  • Average cost: $216
  • Trip cancellation max: 100% of trip costs, up to $100,000
  • Medical coverage max: $1 million

Why We Picked Seven Corners

If you’re a frequent international traveler or traveling on a student visa outside the U.S., it can be more affordable to purchase an annual plan rather than multiple single-trip plans. Seven Corners provides an annual plan with up to $1 million in emergency medical coverage, $100 in coverage per travel delay, $5,000 in trip interruption coverage and more. While this plan does not include trip cancellation benefits or extensive delay protections, it can be a cost-effective option for frequent travelers.

In addition to annual coverage, Seven Corners also offers two plans for single-trip coverage. These options include standard medical, trip cancellation, interruption and emergency evacuation protections with coverages of up to $1 million. Worldwide, 24/7 travel assistance is also included with all plans, which can be useful for international travelers.

Seven Corners’ annual plan includes a wide range of coverages, including:

  • $5,000 in trip interruption protection
  • $1 million in medical and healthcare coverage
  • $25,000 worth of AD&D coverage
  • $100 per day in trip delay benefits (with a maximum of two days)
  • $50 worth of coverage for each lost bag, up to $500

It also includes extra benefits for items like lost travel documents and baggage delays but does not cover trips within the U.S. Policies include a range of deductibles between $0 and $500 — note that selecting a lower deductible will come with a higher premium.

You can purchase the following add-ons to enhance travel insurance coverage with Seven Corners:

  • Event ticket registration fee protection
  • Sports and golf equipment rental
  • IFAR coverage (up to 75% of trip costs)

In addition to multi-trip, annual plans, Seven Corners also offers the following single-trip options.

AIG Travel Guard

AIG Travel Guard

  • Average cost: $251

Why We Picked AIG

When shopping for travel insurance as a group or family, high combined premiums might deter some customers from purchasing coverage. We chose AIG Travel Guard as the best travel insurance provider for families because select plans — like the Deluxe policy — include one child under the age of 17 with the purchase of adult coverage. AIG also offers generous discounts on group travel coverage, which you can purchase with just a few clicks online. This can make AIG a solid choice for anyone looking for last-minute trip cancellation insurance.

AIG’s primary travel insurance product is its international travel plans, which provide 100% trip cancellation insurance, up to $1,000 in trip delay coverage, up to $1 million in medical evacuation coverage and other benefits commonly found with competitors. It also offers two unique policy options: the quick approval Pack-N-Go plan and an annual plan for frequent flyers.

AIG offers three travel insurance plans, all of which include family coverage:

It also offers the following add-ons:

  • CFAR coverage (up to 50% reimbursement)
  • Missed connection benefit ($150)

Generali Global Assistance

Generali Global Assistance

  • Average cost: $255

Why We Picked Generali Global Assistance

We chose Generali as the best emergency assistance coverage because it offers 24/7, concierge-level service that can help travelers in a variety of situations. Generali’s travel professionals are multilingual, a benefit if you’re traveling to an area where you cannot speak the primary language. Generalis higher coverage tiers also include unique protections like rental car and sports equipment coverage, which are usually offered as add-ons.

Generali offers three plan tiers: Standard, Preferred and Premium. The Standard Plan includes a variety of benefits, including 125% trip interruption coverage, $150 per day toward delay-related expenses, $250,000 in medical evacuation coverage, $50,000 worth of medical coverage and more. Preferred and Premium plans extend benefits included with the Standard Plan and add some extras — like sports equipment coverage and rental car collision insurance.

Generali offers the following add-on options:

  • Rental car damage
  • CFAR coverage (up to 60% reimbursement)

Trawick International

Trawick International

  • Medical coverage max:  $250,000

Why We Picked Trawick International

While Trawick offers more than 20 individual travel insurance policies with standard inclusions, it is most notable for its unique options for students studying abroad. The International Student and Scholar Medical Evacuation plan is an affordable choice that meets the requirements of multiple international visas requiring evacuation insurance. It also offers annual trip cancellation plans and coverage formatted for other types of international visa requirements — making shopping easier compared to other providers.

With more than 20 individual plan options, Trawick offers a range of coverage selections. We suggest reviewing each plan option to verify it has the coverage you need, especially if you are traveling on a visa. Compare a few of the company’s most popular policies using the table below.

Add-On Options

Coverage add-ons are not available on Collegiate Care plans.

John Hancock Travel Insurance

John Hancock Travel Insurance

  • Average cost: $225
  • Trip cancellation max: 100% of trip costs

Why We Picked John Hancock

John Hancock’s highest tier of travel insurance coverage includes the most generous delay benefits of the providers on our list, with up to $1,000 in total coverage after a delay of just three hours. When compared to other travel insurance providers which may require a delay of up to 12 hours to qualify for benefits, John Hancock can be a strong choice if you think you could face a travel delay.

John Hancock offers three tiers of travel insurance coverage: Bronze, Silver and Gold. The table below summarizes the coverage inclusions in each plan.

John Hancock also offers the following add-on options, which are available with all tiers of coverage.

  • CFAR (up to 75% reimbursement)
  • Rental car collision (secondary coverage up to $50,000)
  • $300,000 or $500,000 worth of AD&D coverage

Tin Leg

  • Average cost: $186
  • Medical coverage max:  $500,000

Why We Picked Tin Leg

Tin Leg is a unique travel insurance provider, offering eight individual policy options. With a different level of coverage included in each plan, Tin Leg makes it easy to choose a plan that only includes the protections most important to you. Tin Leg’s policies are also exceptionally affordable , with individual policies available for less than $75 for many trips. Add-on options make policies even more customizable, securing Tin Leg’s spot as the travel insurance provider with the best customization options.

With eight travel insurance policies, Tin Leg’s medical insurance benefits range from $20,000 to $500,000, and its trip interruption coverage ranges from 100% to 150%. Most policies also include unique extra coverages not found with some other providers — like sports equipment loss and missed connections. The table below summarizes the key coverage included with three of Tin Leg’s most popular plans.

You can also upgrade your plan with the following add-on options — though available choices will vary depending on your base policy selection.

  • CFAR coverage
  • Financial defaults
  • Cancel for work reasons
  • Terrorism disruption
  • Employment layoff
  • Missed connections
  • Sports and activities coverage
  • Identity theft

International Medical Group

International Medical Group

  • Average cost: $217
  • Medical coverage max:  $8 million

Why We Picked IMG

If you’re looking for the most comprehensive medical coverage possible, we recommend getting a quote from International Medical Insurance (IMG). IMG offers a range of customizable plan options that allow you to add up to $8 million in medical coverage. If you have health concerns or you’re an older traveler, IMG’s higher-than-average medical limits can help cover pre-existing conditions.

In addition to higher medical limits, IMG also offers a streamlined buying process and a wide range of policy choices. Simply answer a few questions about yourself, your trip and the levels of coverage you need to view which IMG policies are most popular among travelers like you. Specialized policies are available for students and senior travelers , as well as policies that meet local health insurance visa requirements.

IMG offers both specialized travel insurance policies and general coverage with its iTravelInsured series. The iTravelInsured policies are available for both international and domestic trips. IMG also offers Patriot international travel plans, which include higher medical limits but cannot be purchased for domestic trips. All policies include 24/7 travel assistance.

The table below summarizes major coverage inclusions on some of IMG’s most popular plans.

IMG also offers the following add-ons to cover the following:

  • CFAR coverage (up to 75% reimbursement)
  • Change fees
  • IFAR coverage
  • Natural disaster evacuation
  • Political and personal security evacuation
  • Rental car damage and theft
  • Search and rescue
  • Sports equipment rental

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection

  • Average cost: $227
  • Medical coverage max: $100,000

Why We Picked Berkshire Hathaway

If you’re planning a luxury vacation, you might have trouble finding an insurance provider that can insure the full value of your trip. Berkshire Hathaway’s LuxuryCare travel insurance plans provide coverage for 100% of your trip costs up to $100,000. It also offers a series of lower-priced standard travel plans, including an AdrenalineCare policy specifically for sports travelers.

In addition to covering high-value trips, LuxuryCare coverage also includes a range of covered cancellation reasons that go beyond most other travel insurance providers. For example, you may qualify for a covered cancellation reimbursement if your child’s school calendar changes or if you or your partner becomes pregnant. If you’re looking for more flexible coverage on a higher-value trip, Berkshire Hathaway is worth checking out.

Berkshire Hathaway offers three general plans and more specialized coverage options. You’ll find a series of nine total plan options in most parts of the country, but we recommend the all-inclusive LuxuryCare and ExactCare Extra plans for high-value vacations.

The table below summarizes the inclusions found on some of Berkshire Hathaway’s most popular travel insurance plans.

Berkshire Hathaway allows you to add the following add-on options to your plan:

  • CFAR upgrade (up to 50% trip reimbursement)

GoReady

  • Average cost: $173

Why We Picked GoReady Travel Insurance

GoReady is our top choice for quick reimbursements thanks to its shorter claims processing time. While the company does not guarantee a specific reimbursement period, it offers “Stress Less Benefits” to speed up your payment as much as possible. These benefits include a 24/7 claims processing team that goes above and beyond to assist you in filing paperwork, gathering supporting documents for your claims and managing your benefits. This can be useful for new travelers or those who are purchasing travel insurance for the first time.

GoReady offers six single-trip plan options and two annual plan choices. Medical coverage limits range from $50,000 to $250,000, with the highest tier including a $1,500 supplement for dental coverage. This is twice the coverage offered by most other competing travel insurance providers. The chart below summarizes other inclusions on three of GoReady’s most popular single-trip plan options.

Depending on your trip type, you may also be able to purchase the following add-ons:

  • CFAR coverage (up to 75% trip cost reimbursement)
  • Sports equipment delay
  • Electronic and professional business equipment delay
  • Cancel for work-related reasons

WorldTrips Travel Insurance

WorldTrips Travel Insurance

  • Average cost: $191
  • Medical coverage max:  $150,000

Why We Picked WorldTrips Travel Insurance

If you’re participating in an international hunting excursion, you might have trouble finding an insurance provider to insure your firearms or other equipment. Some travel insurance providers may even classify a hunting trip as a higher-risk expedition and limit medical coverage unless you opt for an adventure sports add-on. WorldTrips offers additional cancellation benefits for hunting and fishing activities with its add-on coverage option and classifies these trips as standard travel.

WorldTrips has three standard travel insurance policies: Economy, Preferred and Premier. These policies offer the standard range of coverages, including up to 150% in trip interruption coverage and $150,000 in medical care coverage. The table below summarizes the coverage included in each plan.

WorldTrips also offers the following add-on options:

  • CFAR coverage (50% or 75% trip cost reimbursement)
  • Destination wedding cancellation coverage
  • Adventure sports
  • Vacation rental accommodation issues
  • Cancellation for academics, sporting events, volunteer and mission programs
  • Hunting and fishing activities
  • Primary coverage for emergency accidents and sickness
  • Medical evacuation to a hospital of choice
  • Increased medical maximum benefit limit
  • Primary coverage for baggage damage or loss

TravelSafe Insurance

TravelSafe Insurance

  • Average cost: $241
  • Medical coverage max:  $100,000

Why We Picked TravelSafe

AD&D insurance is a type of travel insurance protection that compensates you or your surviving family members if you lose your life or become seriously disabled abroad. While many companies exclude AD&D coverage from standard travel insurance policies, TravelSafe allows you to add up to $500,000 in coverage for air accidents on both of its plans. TravelSafe’s Classic plan also includes up to an additional $25,000 in AD&D insurance. These policy options may make TravelSafe a more appealing choice for those traveling alone or travelers without a life insurance policy to protect their surviving family.

Both of TravelSafe’s travel insurance policies allow you to add up to $500,000 in flight-related AD&D coverage, plus the Classic plan includes $25,000 in additional AD&D benefits for non-flight incidents. Take a closer look at each of TravelSafe’s policies below.

You can also add the following benefits, which vary in availability depending on the plan you select. All add-ons are available for the Classic plan.

  • Flight-related AD&D coverage
  • Business equipment coverage
  • Sports equipment coverage

HTH Travel Insurance

HTH Travel Insurance

  • Average cost: $221

Why We Picked HTH Travel Insurance

If you’re planning a group vacation, you may prefer insurance providers that specialize in providing coverage for more than one person at a time. HTH Worldwide’s group travel insurance policies include similar benefits found with other providers — plus a 10% discount on your policy for each person you add. Depending on the total cost of your trip, taking advantage of HTH’s group discount benefits could save you thousands of dollars.

HTH’s primary travel insurance series is its TripProtector plans, which includes three tiers of coverage. Trip interruption is available up to 200% on the Preferred plan, and medical limits are higher than many other providers, with coverage up to $500,000. The chart below summarizes the coverage found on HTH’s primary plans.

HTH offers the following coverage add-ons for individual and group plans:

  • CFAR upgrade (up to 75% of trip costs)

AXA Assistance USA

AXA Assistance USA

  • Average cost: $230

Why We Picked AXA Travel Insurance

If you’re planning a trip to a resort, you may have booked skiing days, rounds of golf or other onsite excursions. AXA Assistance’s Platinum coverage tier includes a few unique leisure inclusions, like up to $500 to cover lost rounds of golf and $1,000 in sports baggage protection. AXA can also be a valuable choice if you are traveling with more expensive luggage, as the Platinum plan includes $3,000 in baggage protection.

AXA offers three tiers of travel insurance coverage: Silver, Gold and Platinum. The table below summarizes what’s included in each plan.

AXA also offers the following add-on coverages with the Platinum plan.

  • Collision damage waiver

Allianz Global Assistance

Allianz Global Assistance

  • Average cost: $265
  • Medical coverage max:  $75,000

Why We Picked Allianz Travel Insurance

Business travelers may need to book more frequent flights, increasing the possibility of losses relating to delays. Allianz is our top choice for business travelers thanks to its AllTrips Executive plan, which is an annual travel insurance policy that includes higher trip interruption and baggage loss limits. It comes with up to $1,000 in business equipment rental coverage in case your baggage is delayed, and benefits related to frequent flier miles and reimbursement programs.

In addition to its business traveler plan, Allianz also offers a series of three standard travel insurance plans. These policies offer a more comprehensive range of general coverage, including unique benefits on the Premier plan — like business and sporting equipment inclusions.

While Allianz’s business-oriented travel insurance can be a good choice for those traveling for work, standard travelers may find more value in Allianz’s single-trip OneTrip series. The table below summarizes coverage available on all three of Allianz’s plans.

You can add the following coverages to your Allianz travel insurance plan, whether you are planning a family vacation or traveling on business.

  • Pre-existing medical conditions waiver

What Does Travel Insurance Cover?

The specifics of what is covered under your travel insurance policy will vary depending on the provider you select. The following are some of the most common types of coverage you are likely to find as you get quotes from the best travel insurance providers.

visa usa travel insurance

Trip cancellation coverage compensates you for nonrefundable expenses, like your flight and lodging, if your trip gets canceled due to unforeseen circumstances, such as unforeseen weather events, a death in the family or the diagnosis of a major illness. You can check your travel insurance policy for specific coverages and exclusions. Most travel insurance companies provide 100% cancellation coverage for nonrefundable expenses when offering this type of protection.

Trip interruption coverage helps cover the cost of nonrefundable and return expenses if you’re forced to end your vacation early. For example, if you are visiting Peru and break your leg trekking the Colca Canyon, trip interruption insurance could assist you with the financial burden.

In this scenario, the policy could potentially cover the unused portion of your prepaid travel arrangements, such as accommodations, tours and activities you are unable to complete due to the unforeseen interruption. Additionally, it may help with the expenses associated with rearranging your travel plans and returning home, such as change fees for flights or additional accommodation costs.

The coverage is designed to provide a safety net for unexpected situations that could end your trip early, which is why it is usually included at a higher rate than trip cancellation insurance. The average travel insurance plans include 125% worth of interruption insurance, but some companies offer up to 200% of your trip value to pay for things like emergency flights home.

Baggage delay or loss coverage, a valuable component of travel insurance, offers financial protection if your checked luggage is delayed during your trip. So if an airline temporarily misplaces your belongings, this coverage can help ease the inconvenience by reimbursing you for essential items, such as toiletries and lost clothing. The average travel insurance provider offers about $100 per day for baggage delay, but some companies have a timeline for how long you must wait after a delay before you can claim this coverage.

visa usa travel insurance

Medical expense coverage is a component of travel insurance that helps you cover the cost of medical bills you incur if you get hurt or sick abroad. Depending on the health insurance you have in the U.S., your coverage may not extend to hospital bills to treat injuries and illnesses sustained outside of the country. For example, Medicare rules specify that coverage does not extend to most care received outside of the country. However, some private insurance companies may offer international medical coverage.

Medical expense coverage usually extends to all necessary medical services and care you receive after being hospitalized outside of the U.S. It could cover the cost of surgery, hospital bills and prescriptions while under the care of a physician. However, emergency medical coverage limits do not usually extend to medical transportation if you must be evacuated due to an injury or illness.

Travel insurance companies classify this coverage as medical evacuation insurance. Like other types of coverage included on a single policy, the upper coverage limit on medical evacuation protection is separate from your medical coverage limit. If you are traveling to a remote area without immediate hospital access, you may want to look for a travel insurance policy with higher evacuation coverage limits.

As you shop for insurance coverage, you will notice a list of covered reasons that entitle you to claims reimbursement. These usually include unforeseeable events, such as the death of a travel companion or an illness that requires hospitalization. Cancel for any reason (CFAR) coverage entitles you to partial reimbursement for nonrefundable trip expenses if you cancel your trip for reasons not listed in your policy.

For example, you could cancel your trip if your household air conditioning system breaks a week before your vacation and you have to use your vacation fund to pay for repairs. Under normal circumstances, trip insurance would not reimburse you if you wanted to cancel just to save some cash. However, if you opted for the CFAR upgrade, you can get a reimbursement up to the stated percentage, no matter why you cancel.

If you’re renting a vehicle on vacation, you may choose to add collision coverage. Just like the collision coverage found on your domestic auto insurance policy, this compensates you for damage to a rental vehicle if you’re involved in an accident. This coverage is usually not legally required to drive in another country but can help you cover repairs passed onto you by the rental car company if you’re involved in an accident.

What Is the Average Cost of Travel Insurance?

In our comprehensive review of the travel insurance market, our team found that the average cost of travel insurance was about 5% to 6% of a trip’s total value. This came out to an average price of $221 — the average traveler can expect a range of pricing between $70 and $300 for most trips. Get a quote from at least three travel insurance providers before purchasing coverage to be sure you’re getting the best price for your coverage needs.

The following table highlights the average cost of travel insurance based on the trips outlined in our methodology.

Factors That Impact The Cost of Travel Insurance

Travel insurance is not a one-size-fits-all plan, and the best travel insurance plan for you depends on your specific budget and needs. Several factors can determine how much your travel insurance will cost, including:

  • Your age: Some travel insurance companies increase cost and coverage amounts with age. As a general rule of thumb, you should expect to pay more the older you are. But typically prices are the same for travelers up to age 50 and then increase from there.
  • Trip cost: No surprise here — the more expensive the trip, the more it will cost the travel insurance company to reimburse you. As such, your travel insurance premium will increase alongside your reported total trip cost.
  • Plan type: There are all different types of travel insurance policies. The more protection you have, the more expensive your travel insurance cost will be. Some basic plans may only provide flight or medical protection, which will be cheaper options. If your plan covers multiple means of travel (like flights, rental cars, a cruise, etc.) or more risk-prone sports (like rock climbing), you’ll pay more.
  • Add-on coverages: Most plans will give you the option to add on certain features without having to upgrade your entire plan. For example, you may be able to buy basic flight insurance for $30 and add on CFAR coverage for an additional $30.
  • Number of travelers: While you can buy a single policy for multiple travelers, each traveler will have their own premium, which increases the total cost of the travel insurance. However, many travel insurance companies offer group discounts.
  • Destination: Your travel insurance provider will take the risk factor of your trip destination into consideration when determining the cost of travel insurance. Companies focus less on crime statistics and more on the likelihood of danger. For example, if you’re embarking on a rural jungle adventure, you’ll probably have a more expensive travel insurance cost compared to staying in a populous city with a high crime rate.
  • Trip length: Travel insurance cost is typically based on a percentage of your total trip cost, so you’ll likely pay more for your travel insurance the longer your trip is. That’s because longer trips are not only more expensive but also increase the chances of something going wrong.

How To Choose the Best Travel Insurance Company for Your Trip

Knowing what to look for when comparing travel insurance providers can help you more easily narrow down your search for coverage. Consider the following factors before you purchase trip coverage:

  • Trip value: The value and price of your trip play a major role in travel insurance pricing. If you’re insuring a higher-value vacation, you may want to look for policies with higher overall coverage limits and travel interruption reimbursements. If you’re taking a budget vacation, you might get the most value from an insurer that specializes in low-cost, affordable policies.
  • Your destination: It is also important to consider the amenities and your itinerary at your destination when shopping for coverage. For example, if you’re traveling to a remote area with a less robust medical system, you could be more likely to need a medical evacuation if you are injured. In this case, you would want to shop for policies with higher coverage limits on medical evacuation services.
  • Type of travel: If you’re taking a cruise, consider getting a quote from a travel insurance provider like Nationwide that offers cruise-specific coverage. While most travel insurance policies are designed to cover the basic risks associated with flying (lost luggage, missed connections, etc.), it is worth comparing policies that include coverage specific to your trip. For example, those traveling for work may prefer Allianz Global for its business-centered plans.
  • Health considerations: When thinking about your travel plans, consider if you could need medical services based on your health history and travel itinerary. If you’re older, have a pre-existing health condition , or plan to participate in physical activities or sports, consider a plan with higher medical expense limits.

How To Buy Travelers Insurance

The travel insurance providers on our list offer online quote systems that allow you to view pricing and policy options after entering some information about yourself and your trip. Alternatively, you can typically purchase coverage over the phone by getting in touch with a representative using the company’s customer service line.

As you prepare to purchase travel insurance, you want to keep a few details about your vacation handy, including:

  • The ages and names of everyone in your party
  • Your travel destination(s)
  • The dates you are traveling
  • Your total trip value, including flights, accommodations, baggage and other items you need to cover
  • The date of your initial trip payment

Each of these factors will play a role in the price you will pay for travel insurance coverage.

Who Needs Travel Insurance?

While most people can benefit from some level of travel insurance coverage, consider a policy if you are planning any of the following:

  • International trips: Embarking on international travel can expose you to unfamiliar healthcare systems, unpredictable events and potential trip interruptions. Travel insurance offers financial protection for medical emergencies, trip cancellations and unexpected expenses that may arise in foreign destinations.
  • Regular vacations: If you find yourself frequently on the move for business or leisure, an annual travel insurance policy can be a cost-effective solution. This provides continuous coverage for multiple trips, saving you time purchasing separate policies.
  • Senior travelers: If you are a senior traveler with Medicare, your health insurance excludes most medical care outside of the country. Travel insurance with medical expenses and evacuation coverage can financially protect you if you need care while away from home.
  • Adventure sports: Adventure enthusiasts planning to engage in activities like hiking, skiing or scuba diving may find travel insurance with adventure sports coverage beneficial. These policies can cover potential injuries and equipment losses, which you may be more likely to run into due to your itinerary. However, not all standard travel medical insurance covers injuries related to adventure sports.

If you are considering travel insurance, we suggest getting a few sample quotes to compare coverage. Getting a quote is free, takes only a few minutes and can provide more personalized insights into the cost of your upcoming travel plan.

Is Travel Insurance Required?

In most cases, travel insurance is not required. However, some countries require visitors to have travel insurance due to visa requirements or diplomatic unrest. These countries typically only require proof that your policy covers emergency medical expenses. You can extend your coverage to also protect you against baggage loss, trip delays and cancellations.

Even if your destination does not mandate travel insurance, the U.S. Department of State recommends that U.S. citizens traveling overseas purchase a policy that covers unexpected medical bills while abroad.

Travel Trends for 2024

As the world continues to recover from the impacts of the COVID-19 pandemic, the hospitality industry is slowly seeing a return to pre-pandemic levels. According to research from the U.S. Travel Association , domestic leisure travel is expected to fully return to pre-pandemic levels throughout 2024. Some of the factors contributing to travelers’ return to airports across the globe include:

  • Easing international visa and travel restrictions
  • Vaccine distribution and effectiveness
  • Increased demand for travel following COVID-19 lockdowns

As the demand for travel increases, so has the sale of travel insurance. The travel insurance market size is estimated to grow at a compound annual growth rate of 5% between 2022 and 2028 . Highly publicized stories of flight delays and cancellations occurring across the country are also contributing to public demand for travel insurance.

Is Travel Insurance Worth It?

While travel insurance is not required to enter countries in most parts of the world, it can be worth the cost to purchase some level of coverage. In our review, we found the average cost of travel insurance is less than 7% of what you can expect to pay for your vacation — but may provide hundreds of thousands of dollars in reimbursements if you experience an unexpected cancellation or delay. The medical expense coverage included with travel insurance is also an invaluable protection, as many health insurance policies exclude care provided outside of the U.S.

Frequently Asked Questions About Travel Insurance

Does travel insurance get more expensive closer to the trip.

Unlike most other types of insurance, you won’t be penalized for buying your travel insurance closer to the dates you might use it. However, many travel insurance companies require that you purchase coverage within a limited time after booking your trip. Luckily, travel insurance prices do not increase as you get closer to your departure date. That being said, some options (like CFAR coverage) may only be available for a limited time before you travel.

When does travel insurance expire?

Your travel insurance policy will expire on the date you indicate when you purchase the plan. For most travelers, this will be the final day of your vacation. Frequent travelers might also have the option to buy annual travel insurance that protects them for a year.

What does international travel insurance cover?

International travel insurance provides you with a reimbursement for nonrefundable travel expenses if you’re forced to cancel your trip or leave your destination early. In addition, it may reimburse you for travel expenses like airfare and hotel costs if you cannot claim a refund from your vendors directly.

How close to a trip can you cancel and still by covered by insurance?

That depends. Most travel insurance companies require canceling anywhere from 24 hours to a week or more before departure in order to be eligible for reimbursement.

Travel insurance premiums often increase as your departure date approaches, since the likelihood of last-minute interruptions or cancellations increases closer to your flight. It’s generally advisable to purchase travel insurance in advance to get access to the most favorable rates.

What is the most common type of travel insurance?

The most common type of travel insurance is trip cancellation and interruption coverage, which reimburses you if you’re forced to cancel your trip or go home early. These coverages are included on almost every travel insurance policy, except medical-only plans.

Methodology: Our System for Rating the Best Travel Insurance Companies

  • A 30-year-old couple taking a $5,000 vacation to Mexico.
  • A family of four taking an $8,000 vacation to Mexico.
  • A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
  • A 30-year-old couple taking a $7,000 trip to the United Kingdom.
  • A 19-year-old taking a $2,000 trip to France.
  • A 27-year-old couple taking a $1,200 trip to Greece.
  • A 51-year-old couple taking a $2,000 trip to Spain.
  • Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
  • Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
  • Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
  • Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

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5 Tips for Buying Schengen Visa Travel Insurance

Carissa Rawson

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 .

Table of Contents

1. Decide which type of insurance you’d like

2. get multiple quotes, 3. use this as an opportunity to maximize credit card bonus points, 4. double-check the policy before purchasing, 5. consider using a credit card that provides trip insurance instead of buying a new policy, if you’re looking to buy travel insurance for a schengen visa.

Travel insurance can be a very important accompaniment to your trip, especially when you’re traveling throughout multiple countries. Europe is a prime example of this, where the border-free Schengen zone allows you to traverse multiple countries without passing passport control. Finding Schengen visa travel insurance isn’t always simple, however, and you’ll want to ensure that you have coverage regardless of your location.

There are plenty of things to think about before buying travel insurance when traveling throughout Europe, including: the coverage you’re looking for, how you’ll be paying and whether your credit card already offers insurance.

Let’s take a look at Schengen travel insurance and five easy tips for making sure you’re good to go — no matter where you travel within the region.

Although there aren’t generally any Schengen visa travel insurance requirements, there are multiple types of travel insurance coverage available depending on your needs. Consider carefully the type of coverage you’re looking for. Common types includes:

Travel medical insurance .

Trip interruption insurance .

Cancel for any reason insurance .

Trip cancellation insurance .

Lost luggage insurance .

Rental car insurance .

Accidental death insurance .

Emergency evacuation insurance.

Note that the U.K. left the Schengen zone a few years ago, so you’ll want to double-check whether coverage in the U.K. is valid for your travel insurance policy.

» Learn more: Is travel insurance worth it?

It’s always in your best interest to get multiple quotes before purchasing insurance. The amount you’ll pay will be heavily dependent on the type of coverage you receive, its length and any deductibles that you may have.

Cancel For Any Reason insurance, or CFAR, allows you to recoup most or all of your nonrefundable costs — no matter why you’ve chosen not to travel.

There are plenty of different websites that’ll allow you to compare different insurance plans such as TravelInsurance.com or SquareMouth.com (a NerdWallet partner), which will gather together multiple quotes in one easy search.

There are several details you’ll need to have on hand when looking for quotes. These include:

The total cost of your trip.

Your destination.

Your dates of travel.

The number of travelers.

The age of travelers.

Where you live.

When you booked your trip.

Once you’ve got all your information gathered together, it’s simple to find a policy that fits your need for travel insurance in the Schengen zone on one of the comparison websites.

» Learn more: What is travel insurance?

If you’re planning a vacation to Europe, hopefully you’ve already acquired a travel credit card or two. However, cards that focus on travel rewards won’t necessarily optimize insurance purchases.

» Learn more: How to choose a credit card for Europe travel

In this case, you’ll want to double down on rewards with a card that’ll maximize everyday spend. These cards will give you bonus points on all purchases, no matter their category. Great options for this include:

Capital One Venture Rewards Credit Card : Earn 2x Capital One Miles per dollar spent on all purchases.

Citi Double Cash® Card : Earn 2% cash back in the form of Citi ThankYou points on all purchases: 1% when you make your purchase and another 1% when you pay your bill. Plus, through the end of 2024, cardholders can get 5% cash back on hotel, car rentals and attractions booked through the Citi Travel portal .

Chase Freedom Unlimited® : Typically earn 1.5% cash back on all non-bonus category purchases.

The Blue Business® Plus Credit Card from American Express : Earn 2 American Express Membership Rewards on the first $50,000 in purchases each year. Terms apply.

Pair your Chase Freedom Unlimited® card with a Chase Sapphire Preferred® Card card or Chase Sapphire Reserve® card to unlock the full suite of Chase Ultimate Rewards® transfer partners. This strategy is sometimes referred to as the Chase Trifecta .

While you likely won’t be earning a ton of points for your travel insurance purchase (unless your costs are exorbitantly high), maximizing your earnings is always a good idea. Don’t leave money on the table.

» Learn more: The best travel insurance companies

Not all travel insurance policies are created equal. This is probably no great revelation, but it’s definitely something of which you’ll want to be aware.

This is especially pertinent when it comes to the current travel climate in the COVID-19 era. While you may purchase a health insurance plan that covers most medical costs, it may specifically exclude those incurred by COVID-19. And even if it does reimburse you for any hospital costs, it may not pay for a forced quarantine in the event of illness.

These are things you’ll want to check for when buying travel insurance for any trip. Be sure to read the terms and conditions of your policy carefully, and if there’s very specific coverage you’re looking for (such as that offering protection in the event you catch COVID-19), you can often use search filters to narrow down your options.

» Learn more: Is there travel insurance that covers COVID quarantine?

One great feature of travel credit cards is the complimentary trip insurance they often provide. In order for your trip to be eligible for coverage, you’ll need to use the card to pay for your trip. In exchange, however, you can receive some pretty powerful benefits without needing to pay out of pocket.

The Chase Sapphire Preferred® Card card, for example, provides primary rental car insurance. This means that when you decline the insurance offered at the counter, your entire rental will be covered against collision up to the actual value of the rental car.

What’s most powerful about this feature is that, as primary, it comes before your own personal insurance — possibly saving you expensive premium jumps and claims on your policy.

Other cards that include powerful travel insurance protection such as interruption, cancellation or baggage coverage include The Platinum Card® from American Express and the Chase Sapphire Reserve® card. Terms apply.

» Learn more: The cheapest flights to Europe on points

It makes sense to purchase travel insurance in many circumstances, especially with the uncertainty in today’s travel world. Take advantage of these five tips to make sure you’re properly prepared for your trip — whether you’re heading to France, Finland or any of the over two dozen Schengen countries.

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

Chase Sapphire Reserve 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 Ultimate Rewards® 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 Ultimate Rewards®.

Chase Sapphire Preferred Credit Card

1x-5x Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.

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 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Southwest Rapid Rewards® Plus Credit Card

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.

30,000 Limited-time offer: Earn Companion Pass® good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening.

visa usa travel insurance

  • Best Business Credit Cards for Travel
  • Compare the Best Business Credit Cards for Travel

Best Business Travel Credit Card Reviews

  • Why You Should Trust Us

Best Business Credit Cards for Travel of February 2024

Our experts answer readers' credit card questions and write unbiased product reviews ( here's how we assess credit cards ). In some cases, we receive a commission from our partners ; however, our opinions are our own. Terms apply to offers listed on this page.

The information for the following product(s) has been collected independently by Business Insider: Capital One Venture X Business Card†, Capital One Spark Miles Select for Business†, Capital One Spark Miles for Business†. The details for these products have not been reviewed or provided by the issuer.

It's time to earn rewards for all your company expenses. Whether you're a small business owner, gig worker, independent contractor, or freelancer, you're probably spending a good chunk of cash already — so why not earn something for it? Earning a whole lot of points and miles isn't a benefit limited to regular consumer credit cards. 

Keeping your personal and business spending separate is prudent, especially when tax season comes around. And maintaining a distinct business credit card makes it that much easier to track the goods and services you've purchased. In addition, the bonus categories for purchase rewards typically align with business expenses such as advertising, shipping, and office supplies.

Let's talk about the specific cards you should consider to reap the benefits of travel rewards and keep your business running on all cylinders. 

Best Business Travel Credit Cards of February

  • Ink Business Preferred® Credit Card : Best business credit card overall
  • The Business Platinum Card® from American Express : Best business credit card for premium benefits
  • Capital One Venture X Business Card† : Best business credit card for high spenders
  • The Blue Business® Plus Credit Card from American Express : Best business credit card for unlimited flat-rate Amex Membership Rewards
  • Ink Business Cash® Credit Card : Best business credit card for unlimited flat-rate cashback or Chase Ultimate Rewards®
  • American Express® Business Gold Card : Best business credit card for 4x Amex Membership Rewards categories
  • Capital One Spark Miles Select for Business† : Best business credit card for unlimited flat-rate Capital One miles

Compare the Best Business Travel Credit Cards

Chase Ink Business Preferred® Credit Card

Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.

21.24% - 26.24% Variable

Earn 100,000 bonus points

Good to Excellent

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. High sign-up bonus
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3x bonus points on several spending categories, including travel and advertising purchases
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes comprehensive travel coverage
  • con icon Two crossed lines that form an 'X'. Welcome bonus has a very high minimum spending requirement

The Ink Business Preferred® Credit Card offers a huge welcome bonus and solid earning and benefits for a moderate annual fee. If your small-business expenses line up with the card's bonus categories and you like redeeming Chase Ultimate Rewards® points for travel, this is one of the best small-business credit cards to consider.

  • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC

American Express The Business Platinum Card® from American Express

Earn 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com. Earn 1.5X points on each eligible purchase at shipping providers, US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, as well as on purchases of $5,000 or more everywhere else (on up to $2 million per calendar year). Earn 1X points for each dollar you spend on other eligible purchases.

19.49% - 27.49% Variable

Earn 120,000 Membership Rewards® points

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. More travel benefits than you'll find on any other business credit card
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous airport lounge access options, from American Express Centurion Lounges to Priority Pass (enrollment required)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Complimentary hotel elite status (enrollment required)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Access to Amex concierge services
  • con icon Two crossed lines that form an 'X'. Very high annual fee
  • con icon Two crossed lines that form an 'X'. Limited opportunities to earn bonus points
  • con icon Two crossed lines that form an 'X'. Annual statement credits won't be useful for everyone

The Business Platinum Card® from American Express is one of the best small-business cards with an elevated bonus and top-notch benefits (and a premium annual fee to match). It's an excellent offer if you like earning Membership Rewards points and you can maximize the bonus spending categories and perks — but be sure to assess whether the annual fee is worth it for you before you commit.

  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • $695 Annual Fee.
  • Terms Apply.

Capital One Capital One Venture X Business Card†

Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

no APR but a 2.99% monthly late fee if balance is not paid in full

Earn up to 300,000 bonus miles

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Excellent earning rates and perks that offset the high annual fee
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Premium benefits include travel statement credits and airport lounge access
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No preset spending limit for flexibility
  • con icon Two crossed lines that form an 'X'. Balance must be paid in full each month to avoid a late fee
  • con icon Two crossed lines that form an 'X'. Annual travel statement credits only apply to Capital One Travel purchases

American Express The Blue Business® Plus Credit Card from American Express

Earn 2x Membership Rewards® Points on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1X). Earn 1x Membership Rewards® Points on all other purchases.

0% intro APR on purchases for the first 12 months from account opening

18.49% - 26.49% Variable

Earn 15,000 Membership Rewards® points

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. The rare no-annual-fee card to earn Amex Membership Rewards points
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Solid earning rate on the first $50,000 in purchases each year
  • con icon Two crossed lines that form an 'X'. For spending above $50,000 each year, you will only earn 1 point per dollar

If you're a small-business owner looking for a credit card that offers flexible rewards points without paying an annual fee, The Blue Business® Plus Credit Card from American Express is an excellent option. You don't need to own a full-time business to be eligible to apply, either — even freelancers and those with side gigs can qualify for a small-business card.

  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • No Annual Fee
  • Terms Apply

Chase Ink Business Cash® Credit Card

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.

0% intro APR on purchases for the first 12 months

18.49% - 24.49% Variable

Earn $750 bonus cash back

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Intro APR offer for purchases
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel
  • con icon Two crossed lines that form an 'X'. Annual cap on bonus categories

Between offering a big welcome bonus, extra rewards in useful categories, and ongoing benefits like primary car rental insurance and purchase protection, the Ink Business Cash® Credit Card is an excellent no-annual-fee cash-back business credit card for small-business owners.

  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases

American Express American Express® Business Gold Card

Earn 4x Membership Rewards® Points on the first $150,000 spent each calendar year in combined purchases from the top 2 business categories where your business spent the most each billing cycle (then 1x points per dollar). Earn 3x Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com. Earn 1x Membership Rewards® Points on all other purchases.

Earn 70,000 Membership Rewards® points

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can bonus points on the categories where you make the most purchases (from a list of options)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. 25% points rebate when you use rewards to book an eligible flight through Amex Travel
  • con icon Two crossed lines that form an 'X'. High annual fee

The American Express® Business Gold Card is a good choice if your business spends a lot in certain categories and you want to earn Membership Rewards points for travel or other redemptions. It's got a high annual fee, but if you can use the card's benefits to your advantage, it can be well worth it.

  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
  • Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
  • Your Card – Your Choice. Choose from Gold or Rose Gold.
  • *Terms Apply

Capital One Capital One Spark Miles for Business†

Earn unlimited 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase, with no restrictions or blackout dates.

$95, waived the first year

26.24% Variable

Earn 50,000 miles

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No bonus categories to keep track of
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual fee is waived the first year
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can redeem miles to erase travel purchases from your statement, or you can transfer to various airline and hotel programs
  • con icon Two crossed lines that form an 'X'. Not many extra benefits

The Capital One Spark Miles for Business is a solid rewards business credit card to consider if you want to earn a flat rate of rewards that are easy to redeem. This card gives you an unlimited 2 miles for each dollar you spend just about everywhere, and you can redeem them to cover any travel purchases you want.

Best Business Travel Credit Cards Frequently Asked Questions

The Ink Business Preferred® Credit Card is one of the best overall credit cards for small business owners. This card combines generous travel benefits and purchase protection with a great welcome bonus, all for a reasonable $95 annual fee. 

Frequent travelers will want to keep The Business Platinum Card® from American Express close at hand on the road. Premium travel benefits include expedited security access, membership to hundreds of airport lounges worldwide, and significant rebates on travel expenses booked through Amex Travel. 

You can use your business credit card to pay for travel expenses relevant to your company. If you plan to travel internationally, make sure you bring a credit card that doesn't charge foreign transaction fees. 

The Business Platinum Card® from American Express is one of the best business credit cards for people who travel frequently. For a fee, small business owners can request credit cards for employees and authorized users to take advantage of a number of the premium benefits of this card. 

Ink Business Preferred® Credit Card

The Ink Business Preferred® Credit Card is a fantastic jack-of-all-trades business credit card for many small business owners. The card comes with a generous sign-up bonus and valuable ongoing bonus categories for a reasonable $95 annual fee. Even better, you'll earn rewards in the form of Chase Ultimate Rewards points , perfect for booking travel. 

This card's benefits include a wide array of trip protection and travel insurance perks such as trip cancellation and trip delay protection to help you recoup some expenses when travel goes awry, primary car rental coverage, and much more. The Ink Business Preferred® Credit Card also offers cellphone protection benefits: When you pay your cellphone bill using this credit card, you and eligible employees alike can claim up to $1,000 per incident in the event of qualifying instances such as phone damage or theft.

Right now, you'll earn 100,000 bonus points after spending $8,000 on purchases in the first three months from account opening. You'll also earn Chase Ultimate Rewards points at the following rates per dollar spent: 

  • 3 points per dollar on travel
  • 3 points per dollar on shipping purchases
  • 3 points per dollar on internet, cable, and phone services
  • 3 points per dollar on advertising purchases made with social media sites and search engines
  • $150,000 annual cap on 3X bonus earnings on combined purchases (1X thereafter).
  • 1 point per dollar on all other spending

Read our full Chase Ink Business Preferred card review to learn more about this business credit card. 

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express is, without a doubt, the perennial premium business travel card, thanks to its extensive array of perks and ability to earn flexible, valuable Membership Rewards points. Although the annual fee of $695 is high, valuable perks like statement credits, airport lounge access, and top-notch travel and purchase protection offset it.

We'll get right to it: The Business Platinum Card® from American Express isn't for every business owner. The earning rates on most categories of spend are low, even compared to many other Amex Membership Rewards credit cards (see the The Blue Business® Plus Credit Card from American Express below).

Instead, this card shines for its incredible benefits, including annual credit toward a CLEAR verification membership and top-tier airport lounge access to American Express Centurion Lounges , as well as the worldwide Priority Pass network. You'll also receive hundreds of dollars in valuable statement credits for purchases at Dell, Indeed, and Adobe (enrollment required). 

Right now, you'll earn 120,000 Membership Rewards® points after spending $15,000 on eligible purchases with your card within the first three months of card membership. You'll also earn Membership Rewards points at the following rates per dollar spent: 

  • 5x on flights and prepaid hotels booked through Amex Travel
  • 1.5x on each eligible purchase of $5,000 or more 
  • 1.5x on eligible purchases in the US at electronics goods retailers, software, and cloud service providers 
  • 1.5x at eligible US shipping providers
  • 1.5x on eligible US purchases of construction materials and hardware supplies
  • 1x on everything else

The 1.5x categories are capped at a total of $2 million in combined purchases each year — after that, you'll earn 1 point per dollar in these categories.

Read our full Amex Business Platinum card review to learn more about this business credit card. 

Capital One Venture X Business Card†

The Capital One Venture X Business Card† is a newcomer on the business credit card scene that heavily rewards big spenders. This card has a $395 annual fee, and comes with a generous welcome bonus of 150,000 miles once you spend $20,000 in the first three months from account opening, and an additional 150,000 miles once you spend $100,000 in the first six months. However, the hefty spending requirement may be tricky to reach for some small business owners. 

This card's generous benefits include:

  • $300 annual credit for travel purchased through the Capital One travel portal
  • Priority Pass, Plaza Premium, and Capital One lounge access
  • Global Entry or TSA PreCheck credit
  • Cellphone insurance
  • Rental car benefits and primary insurance coverage
  • Travel interruption or cancellation protections
  • Anniversary bonus of 10,000 miles 

Read more about this card in our Capital One Venture X business card review . 

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express is one of our favorite business travel credit cards for its generous 2x Membership Rewards points earn rate on every purchase, all with no annual fee. It's simple, rewarding, and often goes under the radar; essentially, this card is a gem hidden in plain sight. This card is for business owners who need a reliable daily-use credit card that doesn't require planning ahead for bonus categories. 

This credit card comes with a 0% introductory APR (then 18.49% - 26.49% Variable APR) which is valuable for business owners anticipating major purchases coming up.  

One of the best ways to maximize your reward redemptions is to transfer Membership Rewards points to one of many American Express airline and hotel transfer partners including Air Canada Aeroplan, British Airways Executive Club, Marriott Bonvoy, and many more.

Right now, you'll earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the card within your first three months of card membership. You'll also earn rewards at the simple rate of 2 points per dollar on the first $50,000 spent on the card each year, then 1 point per dollar after that. Note that this card carries a foreign transaction fee, so don't bring it abroad. 

Read our full Amex Blue Business Plus credit card review  to learn more about this business credit card. 

Ink Business Cash® Credit Card

The Ink Business Cash® Credit Card is a no-annual-fee business credit card that earns generous cash back on business-related categories while providing useful perks such as purchase and extended warranty protection. For small businesses without major expenses, this is the card to get, especially since you can add employee cards at no additional cost. 

The 0% introductory APR offered on this card is one of the best benefits for new applicants (then 18.49% - 24.49% Variable APR). This perk can help you pay off large expenses over time without incurring interest. 

This is a cashback card on the surface, which means you can redeem your rewards toward travel at a rate of 1 cent per point on the Chase Ultimate Rewards travel portal . However you can level up the value of your Ink Business Cash® Credit Card rewards if you have a card like the Ink Business Preferred® Credit Card, the personal Chase Sapphire Reserve® , or the personal Chase Sapphire Preferred® Card .

When you transfer the rewards from your Ink Business Cash® Credit Card to one of these credit cards that earn Chase Ultimate Rewards points, you get an additional reward redemption option which can be way more lucrative in many cases.  If you go this route, your rewards can be used across the full suite of Chase airline and hotel transfer partners .

Right now, you'll earn $750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening. You'll also earn rewards at the following rates per dollar spent: 

  • 5% cash back on up to $25,000 a year in spending at office supply stores and on cable, internet, and phone service
  • 2% cash back on up to $25,000 a year in spending at gas stations and restaurants
  • 1% cash back on all other spending

The Ink Business Cash® Credit Card charges foreign transaction fees, so it isn't a good card to pack for international travel. 

Read our full Chase Ink Business Cash credit card review to learn more about this business credit card. 

American Express® Business Gold Card

The American Express® Business Gold Card is unique because it automatically earns a powerful — and very business-friendly — 4 points per dollar in your top two spending categories each month, which means you don't have to pick a spend category and commit to it. On top of that, you'll earn valuable Amex Membership Rewards points at the following rates:

  • 4X points per dollar on your top two spending categories each quarter, up to a $150,000 annual limit
  • 1X points per dollar on other eligible spending

As a bonus, you can get a 25% rebate when you use Membership Rewards points to pay for certain travel through the Amex portal through your American Express® Business Gold Card card. This 25% rebate is capped at 250,000 points back per calendar year and applies to business- or first-class tickets on any airline, as well as flights in any fare class on one select U.S. airline of your choice each year.

This card has a $375 annual fee.

Read our full Amex Business Gold card review  to learn more about this business credit card. 

Capital One Spark Miles for Business†

There's nothing to memorize here: The Capital One Spark Miles for Business† offers a simple rewards structure so you can purchase what you need without considering bonus categories. You'll earn 2 miles per dollar on pretty much anything. That's it. You can earn a bonus of 50,000 miles once you spend $4,500 on purchases within the first three months from account opening, and the annual fee is $95, waived the first year.

Our guide on how to earn and redeem Capital One miles will offer more in-depth information. But In most cases, you'll get the best value out of your rewards if you transfer your miles to one of Capital One's hotel and airline transfer partners . Alternatively, you have the ability to redeem for airfare, hotels, or rental cars directly on the Capital One Travel portal at a rate of 1 cent per mile. 

Read our full Capital One Spark Miles for Business card review to learn more about this business credit card. 

Why You Should Trust Us: How We Chose the Best Business Credit Cards for Travel

Personal Finance Insider's credit card reviewers are experts when it comes to business expenses. Not only do many of us own and operate our own small businesses, we also evaluate and compare every credit card on the market on a regular basis. We chose the business credit cards highlighted in this particular guide for the following reasons:

Rewards — Each of the business credit cards on this list provides a minimum of one cent per dollar spent, and some do so without charging an annual fee. These build your business credit score and history while rewarding you for everyday expenses related to your company. 

Travel benefits — Every card on this list of best business credit cards for travel comes with soft benefits that improve the quality of your work life. Whether we're comparing premium travel benefits such as airport lounge access or something basic such as bonus points per dollar spent on travel, each of these cards makes your life as an entrepreneur just a little bit easier or better on the road.  

Value — The cards in this list run the gamut from free to hundreds of dollars per year in annual fees. Some business owners find the high value provided by premium credit cards worth the hefty annual fee (which counts toward your business expenses for the year). Other entrepreneurs prefer cards that don't take additional money out of their wallets. Each of the cards on this list gives back more than it takes, regardless of the annual fee. 

Protection — Purchasing business equipment, supplies and raw materials can be expensive, tedious, and challenging to manage and maintain. The business credit cards we highlighted here offer an extra layer of protection between you and asset loss: Many provide purchase protection and extended warranties, while others may offer a 0% introductory APR period to help you pay off big expenses over time without incurring interest. 

Interested in our evaluations? Learn about Business Insider's review methodology for credit cards .

visa usa travel insurance

For rates and fees of The Business Platinum Card® from American Express, please click here.

For rates and fees of The Blue Business® Plus Credit Card from American Express, please click here.

† The information related to the Capital One Spark Miles for Business has been collected by Business Insider and has not been reviewed by the issuer.

For rates and fees of the American Express® Business Gold Card, please click here.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

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Watch: The CEO of Scott's Cheap Flights reveals a credit card trick he uses to get millions of free miles

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India travel information & requirements

Do i need travel insurance to visit india, what does travel insurance for india cover, what isn’t covered by travel insurance for india, how much does travel insurance for india cost, tips for getting the best india travel insurance, faq: india travel insurance, related topics.

Travel Insurance for India: U.S. Visitor Requirements & Quotes

Imogen Sharma

  • You must have a visa and a valid passport to visit India .
  • Although travel insurance isn’t required, it’s advisable to at least purchase travel medical and medical evacuation coverage because India won’t accept your U.S. health insurance .
  • More comprehensive policies can also cover other travel mishaps , such as trip cancellations and delays, lost baggage and car rentals.
  • According to our research, our top picks for travel insurance for India come from Seven Corners, Tin Leg and AXA Assistance USA ( skip ahead to view these plans ).
  • Costs for travel insurance vary, but you can typically find basic medical coverage for less than $1 per day .
  • To view multiple plans at once and find the best coverage to suit your needs, try using an online comparison tool .

India is a vast and diverse country. Each region offers a vibrant culture and mesmerizing architecture. This enthralling country also comes with a unique set of risks, which means that buying travel insurance for India should be a top priority before departure.

Whether you’re taking a luxury train journey through a wild jungle or camel trekking in the Thar Desert, comprehensive coverage helps you manage expenses in case of emergencies or unexpected delays.

Finding the right coverage for India travel can be a complicated process. 

This guide covers critical information to help you pick an adequate policy, including:

  • An overview of India travel requirements
  • Typical travel insurance coverage options for India
  • The cost of travel insurance for a trip to India

Our top picks for the best india travel insurance

  • Seven Corners: Best Value for Robust Coverage & Medical Emergencies
  • Tin Leg: Best Rated Overall
  • AXA Assistance USA: Best for Budget Friendly Travelers

Our top picks for travel insurance for India

Seven corners.

Tin Leg

AXA Assistance USA

Are there covid-19 restrictions for u.s. tourists.

No, as of February 13, 2023, there are no COVID-19 restrictions for U.S. tourists.

Do I need a visa or passport to travel to India?

You need both a visa and a passport to travel to India . You can apply for an eVisa online. If you’re approved, you can travel in India for up to 60 days. Make sure to apply at least four days before you’re scheduled to arrive. To stay longer, you must apply for a standard tourist visa at the nearest Indian consulate or embassy.

Before you apply, check the expiration date on your passport . The document must be valid for at least six months after the application date. Indian immigration officials require two blank pages to accommodate visas and stamps.

Is it safe to visit India?

India can be a safe destination for savvy tourists — however, you must exercise a great deal of caution . Petty crime is common, as are scams. Female travelers must be especially careful as there have been many reports of sexual assault and violence against women, including tourists. The U.S. Department of State advises women to dress according to local custom and avoid traveling alone in India. 

There is also a chance of terrorism and civil unrest throughout India, particularly in the northeastern states, central and eastern India and areas near the Pakistan border.

India does not require tourists to have travel insurance . However, traveling in India can come with a significant amount of risk. A travel insurance policy covers medical care and medical evacuation, so you can move around the country with peace of mind. If you become injured or sick, you won’t be saddled with an expensive medical bill.

Travel insurance also protects you from other unexpected circumstances that could affect your trip. If a natural disaster forces you to cancel or a political protest disrupts your plans, your policy can help reduce the financial impact. 

It can also help you prepare for other risks, such as those discussed below.

Risk of pickpockets and tourist scams

Pickpockets and petty thieves run rampant in India, often targeting unsuspecting tourists. They operate in crowded tourist destinations, such as airports and famous sites like the Taj Mahal.

Tourist scams are another common occurrence in India. Scammers try to lure travelers with false promises, only to extort them for money or put them in dangerous situations. In other cases, criminals drug visitors before robbing them. Travel insurance with coverage for personal items can help pay to replace stolen items.

Risk of canceled day trips or tours

Tours and day trips are a popular way to see sights in India. Since many operators have little to no oversight, they may cancel these excursions at the last minute without reimbursing you. Certain travel insurance policies can reduce the risk of financial loss by covering nonrefundable costs for interrupted or canceled tours.

Risk of political demonstrations 

Political demonstrations in India can be large and disruptive. In some cases, they affect airlines, train lines and major roadways. When a demonstration arises before or during your trip, you may have a hard time reaching your destination. In some cases, widespread protests make it too dangerous for foreigners to visit the affected areas. A travel insurance policy can help you recover the costs of canceling the trip, rebooking flights, or making unexpected hotel stays.

Risk of severe weather conditions

Many parts of India experience severe weather at various times throughout the year. In southern India, the monsoon season often brings severe flooding; the northern part of the country sees intense dust storms. Dangerous heat waves are possible across most of the country. While you can’t predict serious weather events, you can use insurance to prevent significant financial losses if storms affect your trip.

As with any type of insurance, every plan offers different types and levels of coverage.

We break down some of the most common coverage types below.

Trip cancellation insurance

Trip cancellation coverage helps you recover prepaid, nonrefundable trip costs if you have to cancel your plans. Travel to India is expensive, especially if you’re booking popular hotels and tours. If you fall ill a week before your flight and you’re too sick to travel, insurance can ensure that you don’t lose money in the process.

Trip delay insurance

This type of insurance covers the extra expenses that arise if your India trip is held up due to circumstances beyond your control. If your connecting flight from Amsterdam to New Delhi is pushed to the next day, insurance can cover a last-minute hotel booking and taxis to and from the airport. Keep your receipts, and you might also be able to get reimbursed for meals and nonrefundable hotel stays in your final destination.

Trip interruption insurance

Trip interruption coverage kicks in if unexpected circumstances require you to cut your vacation short. As long as the reason for the interruption is covered, the policy will typically refund the non-refundable costs of the rest of the trip . It might also cover the flight back to the U.S.

Travel medical insurance

If you get hurt or fall ill while you’re exploring India — a possibility, given the country’s inconsistent safety regulations — travel medical insurance covers the costs. In most cases, you’ll need to pay the healthcare bills first and file a claim for reimbursement. Some plans will work directly with the medical provider to settle bills if you need hospitalization after an accident or a bout of dengue fever.

Medical evacuation insurance

Medical evacuation coverage pays for your transportation in case of a medical emergency. It’s critical for trips to India — healthcare facilities aren’t always available away from major cities. That means if you’re injured while trekking in the Himalayas or cruising in Kerala, you may need to be transported a long distance by air to get to a hospital. When the situation is serious enough, a medical flight back to the United States may be necessary.

These services are expensive, but evacuation coverage can take care of the bill. Make sure you choose a policy with a high limit , particularly if you’re planning an adventurous itinerary to rural parts of India.

Insurance for personal items

Personal item coverage helps you pay for damaged, lost or stolen belongings. Given the risk of theft and pickpocketing in India, this type of insurance is essential. Limits can vary considerably between policies; you may need to shop around to find adequate coverage if you’re packing computers, phones and cameras.

Rental car coverage

This type of insurance pays for damage to your rental car. It’s usually offered as an add-on for an extra fee, but don’t skip it if you’re renting a car in India — road conditions and driving safety are well below U.S. standards in many areas.

Every travel insurance policy comes with exclusions, which are things the plan will not cover. For example, if your policy excludes preexisting medical conditions , it won’t pay cancellation costs if you have to cancel due to a chronic health condition.  

Standard travel insurance exclusions are:

  • Pregnancy (except for complications)
  • Anxiety and mental health
  • Routine medical or dental procedures
  • High-risk activities
  • Extreme sports and professional sports
  • Trips that go against medical advice
  • Storms that have already been named
  • Illegal activities

It’s also important to note that your policy might refuse to cover anything for which you don’t have the appropriate documentation. If you need to seek medical care, or you plan to file a claim for trip cancellation or interruption, call the provider immediately to ask about documentation requirements.

We found that travel insurance for a trip to India can cost as little as $1 per day for the most fundamental medical and medical evacuation coverage. A more comprehensive plan that covers trip cancellations and interruptions will cost around $7 to $11 per day.

To give you a better idea of how much travel insurance costs for a trip to India, we requested quotes from four leading travel insurance providers.

We used these details for all of our quotes:

  • Age : 35 years old
  • Destination : India
  • Trip Length : 7 days
  • Trip cost : $2,000

You can see our quotes for basic travel insurance in the table below. Prices range from less than $1 per day to $6 per day .

Example Where Plan Doesn’t Reimburse the Full Trip Cost

Our quotes for policies that include trip cancellation and trip interruption coverage are in the following table. Prices range from around $7 to $11 per day .

Example Where Plan Does Reimburse the Full Trip Cost

It’s important to note that the cost of India travel insurance is different for everyone. 

Providers base your policy premium on factors such as:

  • Trip duration
  • Cost of the trip
  • Current health insurance
  • Elapsed time between policy purchase and first trip deposit

A wide range of providers offer travel insurance to India. 

These tips can help you select a plan that provides ample coverage and peace of mind:

Research your destinations.

If you’re traveling to rural parts of India, make sure your insurance policy includes a high limit for medical evacuation. That way, you’re less likely to incur high bills for medical flights.

Check emergency procedures.

Some providers deny medical claims if you fail to call the emergency assistance line before seeking help. That’s not always possible in areas of India that don’t have cell service.

Consider how you’re traveling around India.

Travel insurance policies don’t apply to every mode of transportation. If your plans include hitching a ride or renting a motorcycle in India, make sure it’s covered in case of an accident.

Examine the risk level of activities.

Read the policy exclusions carefully to ensure that your intended activities are covered.

Buy a policy as soon as possible.

By buying as soon as you book the trip, you’ll be protected for longer. Coverage usually starts from the purchase date.

Can I use my U.S. health insurance in India?

No, you cannot use most standard U.S. health insurance policies in India.

Can a U.S. citizen buy travel insurance in India?

A few insurance providers allow you to purchase travel insurance after you’ve started your trip in India. However, you may be subject to higher fees or a waiting period before you can make a claim.

Is it better to buy travel insurance from India or U.S.A.?

It’s best to buy travel insurance for India while you’re still in the United States. You can buy it from a domestic or international provider — just make sure the company is reputable and that the policy applies to American travelers.

Imogen Sharma

Imogen Sharma is a freelance writer with an extensive portfolio, covering topics such as finance, business management, investing, and startups. Before becoming a full-time writer, Imogen managed high-volume fine dining restaurants in London with a knack for pricing and P&L management that contributed to sustained growth. 

Imogen has contributed bylined and ghostwritten content for thought-leading publications in business, finance and technology. Topics covered include business loans, personal loans, startup funding and real estate investments.

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Japan to launch digital nomad visa

The japanese government has announced a new digital nomad visa for workers earning at least us$68,200 per year.

The visa is due to launch at the end of March, and will allow remote workers from 49 countries to stay in Japan for up to six months.

Workers must be able to prove that they earn an annual, salaried wage of at least JP¥10 million ($68,200) to apply for the visa, according to a report by Forbes.

The visa will allow foreign visitors to stay in the country for up to six months – approximately double the length of time afforded to travellers under Japan’s standard 90-day tourist visa.

The intention of the new visa is to draw in foreign digital nomads with the aim of stimulating innovation.

China is currently trialling visa-free travel for citizens from six countries , for a period of up to 15 days.

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    We're happy to help! 866-263-0669. Visitor Insurance most commonly refers to international travel medical insurance plans designed for international travelers visiting the United States of America. These plans are perfect for non-U.S. citizens who have domestic health insurance, but aren't covered outside of their home country.

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  28. Japan to launch digital nomad visa

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