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Reviews 4.2.

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Specifically Travel Medical Insurance

I was looking specifically for travel medical insurance since my CC covers the amounts in the average available travel policies. Atlas was one of the few, and is straightforward. I didn’t know anything about them until I saw them on your site. Hopefully I won’t need to use it on my trip this fall.

Date of experience : April 13, 2024

Reply from WorldTrips

Hello, Christine. We appreciate you taking the time to share your feedback with us. It is great to hear that you found Atlas to be straightforward. Safe travels on your upcoming trip this fall! Thank you for choosing WorldTrips.

Claim paid promptly

Yes, World Trips insured my trip and when I filed a claim, they paid it with minimum trouble.

Date of experience : April 16, 2024

Hello, JC. Thank you for taking the time to leave your feedback with us. We are happy to hear that you enjoyed your experience and hope that you are enjoying your trip! Thank you for being a loyal WorldTrips customer.

I appreciate the extra insurance…

I appreciate the extra insurance coverage if someone is injured because of my fault. The insurance amount is 20,000 or 25,000 $.

Date of experience : April 23, 2024

Hello, Richard. We appreciate you taking the time to leave a review. It is great to hear that you have had a great experience with us. We hope that you are enjoying your trip. Thank you for choosing WorldTrips!

Economical and easy.

The ease in selecting an appropriate package and the prompt arrival of the policy.

Date of experience : April 15, 2024

Hello, Rhona. Thank you for sharing your experience with us. We are delighted to hear that you were happy with the prompt arrival of your policy. We hope that you had a great trip. Thank you for being a loyal WorldTrips customer!

Can't get the link to reactive my…

Can't get the link to reactive my account. Also no indication as to how long I am to wait. Customer service seems very 'bot'-ish and 'Q&A-pagey' (impersonal) and therefor less effective.

Date of experience : April 11, 2024

Hello. Thank you for your feedback. We are sorry to hear that you had trouble with your account. Our records show that this was resolved. Please feel free to reach out if you have any further questions and we will be happy to assist you!

Bought it coz any accidents related to hiking abroad

II bought insurance just in case. In case I have any accidents related to hiking abroad Good thing I didn't use it. But having peace of mind is better than not having it. Because anything can happen.

Hello, Navapat. Thank you for taking the time to leave a review. We are happy to hear that you were pleased with your purchase. If there is anything we could do to improve your experience, feel free to share your thoughts with us by emailing us at [email protected]. We look forward to joining you on your next adventure. Thank you for choosing WorldTrips!

Always worth having

I didn't need to use it, but having travel insurance especially when travelling international always gives me so much peace of mind. It's come in handy in the past and its always worth the cose. World Trips had fair pricing and my information was easy to access should I have need it. Will definitely look to use them again. (edited for spelling)

Date of experience : March 02, 2024

Hello, Adrianne. We are happy to hear that you had such a great experience with us and appreciate you taking the time to leave a review! Thank you for choosing WorldTrips. We look forward to joining you on your next adventure!

simple fairly strainght forward site to navigate

simple, fairly straight forward site in which to choode the health insurance needed. One issue we had was trying to decipher travel vs health insurance, as it was not terribly clear which to choose

Date of experience : March 27, 2024

Hello, Joseph. Thank you for taking the time to leave a review! We are always looking for ways to improve our website and we appreciate you sharing your feedback. Our team will look into this and see if we can make some changes!

I usually don't give reviews but I…

I usually don't give reviews but I wanted to share my thoughts about World Trips due to the excellent service I've been getting. It is extremely easy to book with them. Just select a policy that suits you, for example zero deductible or a maximum coverage of 250k. I had a minor motorcycle accident couple years back in the Dominican Republic and world trips covered my hospital expenses without hesitation or causing a headache. I highly recommend world trips to anyone who needs insurance for a travel trip.

Date of experience : March 13, 2024

Hello, David. Thank you for taking the time to leave your feedback! We greatly appreciate your kindness and we are happy to hear that you had such a great experience with us. We wish you safe travels and cannot wait to join you on your next journey! Thank you for being a loyal WorldTrips customer.

Good but have not had to use it

Good customer service. Easy to order. Good portal. Right price per day. I always caution people that you really do not know how good your insurance provider is until you must use their product. I have been lucky and have not had to use their product. So it has been unused peace of mind.

Date of experience : April 04, 2024

Hello, Hua. Thank you for taking the time to leave a review. We are happy to hear that you had a great experience with us. Wishing you safe travels on your upcoming trip. Thank you for choosing WorldTrips!

Why I buy WorldTrips Atlas travel insurance

It is easy to purchase my travel insurance. It is inexpensive to purchase my travel insurance. After my purchase I feel much more secure about possible health issues while in Canada.

Date of experience : March 22, 2024

Hello, Kevin. Thank you for taking the time to share your feedback with us! We are happy to hear that you had such a great experience. Safe travels and thank you for choosing WorldTrips!

I have just got my cards and tried…

I have just got my cards and tried registering on your portal. After successful registration and logiing in, the system doesn't seem to log me out, even when I logout and exit. Logging in with my wife's account still shows my page.

Date of experience : March 30, 2024

Hello, Raghavendra. Thank you for sharing your feedback with us. We sincerely apologize for the inconvenience you have experienced. Someone on our team will look into this for you and will reach out, via email, as soon as possible.

Great customer service!

Great customer service...Kevin was more than willing to take the time to listen and help with my needs/questions. Very helpful!

Date of experience : April 03, 2024

Hello and thank you for sharing your experience with us! We will pass this great feedback along to the customer service team. Wishing you safe travels on your upcoming trip. Thank you for choosing WorldTrips!

I had a great experience with…

I had a great experience with Worldtrips. They made sure that I get the ticket on time. Big help!

Date of experience : April 10, 2024

Hello Angelyn. Thank you for taking the time to leave a review. We are happy to hear that you had a great experience with us and that you got exactly what you were looking for! Safe travels on your upcoming trip. Thank you for choosing WorldTrips!

Quick and simple

The process to get the insurance was quick and simple. It would be a great idea to include thw total cost of the insurance through the purchasing process for the consumer to be aware.

Hello, Christine. Thank you for taking the time to share your feedback with us. We will look into this as soon as possible. Thank you for being a WorldTrips customer!

Bills not paid even in 7 months after…

Bills not paid even in 7 months after submission Bill submitted on 08/22/2023 have not been paid so far upto 03/202014—210 days —- 7 month Request you to investigate who is sleeping on them What compensation you want to give me ??

Date of experience : March 20, 2024

Hello. We apologize for the inconvenience you have experienced. Our team is actively looking into this and will provide an update as soon as possible. Thank you.

It was quite confuse to select the…

It was quite confuse to select the coverage, but I hope it worked for the proposal I need.

Hi Beatriz. Thank you for taking the time to leave a review. If you have any further questions you are welcome to send us an email at [email protected] with your name, policy number, and reference to this review. We will be happy to assist you. Safe travels on your upcoming trip!

I feel safe with world trips

I feel safe with world trips and the service they provide! I use them every time I’m travel abroad. Excellent upgrade options and additional added extras for a small fee. Now in the event I take a fall or twist my ankle it’s reassuring to know I have quality health insurance benefits available to me.

Date of experience : February 22, 2024

Hello - We appreciate you taking the time to leave a review! It is great to hear that you have enjoyed traveling with us. Thank you for choosing WorldTrips! We look forward to joining you on your future adventures. Safe travels.

Outstanding customer care in purchasing insurance

Every customer service rep was extremely knowledgeable, kind and helpful. Your reps demystified the process of purchasing trip insurance, medical coverage, primary and secondary coverage, working with credit card trip insurance benefits etc. So I will use your firm from now on and we travel a lot. Easy to use website! Had a tech issue and solved kindly and quickly too (was a dumb mistake on my part). Thank you! Jim Schleif - MKE

Date of experience : February 16, 2024

Hi James! Thank you for taking the time to share your experience with us. Our team is always happy to help answer your questions and we are happy to hear that your tech issue was resolved quickly. We look forward to joining you on your future travels!

Website very very very slow.

The worldtrips website has been agonizingly slow. Please address this as I have 2 trips where I am using worldtrips. It was not this slow before. I will probably get my next insurance if this will continue for another month. I have been happy in the past but this experience of waiting so long for the website to load is too frustrating.

Date of experience : March 08, 2024

Hello, Adrian. We apologize for any inconvenience this may have caused and appreciate you bringing this to our attention. Our team is actively working on making our website quicker and more user-friendly. We understand your frustration and hope you will bear with us during this transition time. In the meantime, we wish you safe travels on your upcoming trip! Thank you.

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WorldTrips Travel Insurance Review — Is It Worth It?

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Who Can Get WorldTrips Travel Insurance?

Worldtrips atlas journey travel insurance coverage types and benefits, pre-existing conditions, covid-19 coverage, worldtrips travel insurance economy plan, worldtrips travel insurance preferred plan, worldtrips travel insurance premier plan, atlas on-the-go insurance, atlas journey plans, atlas travel plans, worldtrips travel insurance vs. competitors, worldtrips travel insurance vs. credit card insurance, tips for ensuring a smooth claim process, final thoughts.

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Planning trips is fun. Reading about travel insurance for them isn’t. But a little effort to plan for problems during your upcoming vacation can make a big difference.

WorldTrips provides multiple types of travel insurance, ranging from minimalist policies with just medical insurance to full-scale policies that cover anything that might go wrong during your next family vacation. The insurer also offers add-ons that most competitors lack, such as policies for students studying abroad, special provisions for hunting and fishing trips, veterinary emergencies, school activities that force you to delay your vacation, and even coverage for destination weddings when the bride or groom calls it off.

However, you may be surprised that rental car protections are only available as an add-on to WorldTrips plans, and you’ll need the most expensive plan if you want to add coverage for pre-existing medical conditions.

Here’s a look at the various travel insurance plans from WorldTrips and whether the costs are worth it.

Before understanding who can get a plan, it’s essential to understand the different types of travel insurance plans available from WorldTrips.

Atlas Travel plans are available for citizens and residents of numerous countries when traveling internationally. Conversely, Atlas Journey plans are available only to U.S. citizens and residents, covering domestic and international travel. Atlas Journey plans are geared primarily toward trip delay and cancellation benefits, while Atlas Travel plans are focused primarily on medical coverage. However, they share some crossover benefits.

WorldTrips also has travel insurance policies that aren’t focused on typical tourists. StudentSecure plans provide injury and illness coverage for those studying abroad. Atlas MultiTrip plans provide coverage for 364 days, covering trips up to 30 or 45 days each (depending on the plan you choose), and Atlas Group plans can provide up to a 10% discount if you’re traveling in a group of 5 or more people.

Additionally, WorldTrips Atlas Travel plans can provide medical coverage for those doing overseas volunteer or missionary work.

What Does WorldTrips Travel Insurance Include?

WorldTrips offers multiple types of travel insurance policies. Atlas Travel plans are available only for international trips (open to residents of many countries) and primarily focus on medical coverage. With these plans, you’ll choose your preferred deductible and maximum coverage limit, then provide your age and destination.

U.S.-based travelers have access to Atlas Journey plans. These cover domestic and international trips and are what you likely think of when considering travel insurance. We’ll analyze these in depth in the article and then cover the medical-focused Atlas Travel plans near the end.

To know what you’re looking for in a travel insurance policy, you should first understand what the types of coverage are:

• Trip Cancellation Insurance: Covers prepaid, non-refundable expenses when you cancel a trip for covered reasons like sickness, injury, or death of a family member.
• Trip Interruption: Reimburses prepaid, non-refundable expenses if you miss part of a trip or have to end a trip early due to covered reasons like weather, jury duty, or injury.
• Travel Delay: Applies to additional expenses incurred for delays of 5+ hours, covering accommodation, meals, and local transport costs.
• Travel Inconvenience: Applies when one of the following occurs: your return home is delayed and causes you to miss 2 or more days of work, your flight must land 50+ miles from the original destination, there’s a documented security breach causing delays at your departure terminal, you’re a victim of a verified physical assault, your credit/debit card is canceled for reasons beyond your control, or your travel documents are stolen and can’t be replaced locally.
• Emergency Accident and Sickness Medical Expense: Covers losses due to medical and dental emergencies. This is secondary coverage except on the Premier plan.
• Medical Evacuation and Repatriation of Remains: Covers medically necessary transportation and care en route when you’re ill or injured and don’t have access to appropriate care in the immediate area. You also can be covered for repatriation to your home or other U.S. city with appropriate care, requiring prior approval.
• Baggage Damage or Loss: Provides reimbursement for loss, damage, or theft of personal effects in excess of other insurance, such as homeowners’ or airline baggage policies.
• Baggage Delay: Provides reimbursement for covered expenses after 12+ hours of baggage delay at your destination. Covered expenses include necessary clothing, laundry, toiletries, and costs for retrieving your baggage. Coverage ends when your luggage is retrieved or you return home — whichever is first.
• Missed Connection: Can reimburse expenses related to missed cruises, tours, flights, or trip departures due to 3+ hours of delays. Covered delays include weather, carrier problems, strikes, quarantines, and more. Expenses cover costs to catch up with your trip or money lost from missing the trip.
• Airline Cancellation or Reissue Fees: Reimburses costs for changing or canceling tickets after interruptions or canceled flights. This coverage applies to costs after any refunds or vouchers you receive.
• Travel Assistance Services: Provides 24/7 assistance services like security advice, coordination of medical benefits, interpreters, legal referrals, and referrals for needs during emergencies. Note that you may have costs for services you use from these referrals.

It’s also important to note that each section has rules and restrictions about which costs are covered, when coverage applies, and other terms you must follow.

Optional Add-ons to Atlas Journey Plans

You’ll see options for additional coverage depending on the base plan you select:

• Cancel for Any Reason Coverage (CFAR): This add-on policy covers up to 75% of your losses if you cancel for reasons not covered in other sections of your policy, so long as you purchase within 21 days of your first deposit and cancel 48+ hours before the trip. This add-on isn’t available for Economy plans.
• Interruption for Any Reason: Provides reimbursement for 50% of non-refundable trip costs after a trip is interrupted for non-covered reasons. WorldTrips says, “No questions asked” on this coverage. This add-on is available for Premier plans only.
• Pre-existing Conditions: Requires purchasing a policy within 21 days of the initial deposit and covers pre-existing conditions that have a change in treatment or that make you unable to travel.
• Adventure Sports: Provides coverage for leisure, non-professional sports like bungee jumping, scuba diving, and mountain climbing up to 7,000 meters, as well as safari activities. This add-on is available for all plan levels.
• Rental Car Damage and Theft: Requires a $250 deductible; afterward, provides rental car coverage for collision, theft, and damage beyond your control. You must be authorized to drive at the destination and listed on the rental policy. This add-on is available for all plan levels.
• Pet Care: Provides reimbursement for a trip canceled due to the death or critical illness of your dog or cat within 7 days of trip departure. Provides up to $250 in coverage for boarding fees if your return home is delayed for a covered reason and up to $500 for emergency veterinary care for a pet traveling with you. This add-on is available with all plan types.
• Rental Accommodations Protection: Covers trip interruptions if you can’t access your vacation rental property for 12+ hours or if your property is unsuitable or not as described on arrival. It’s available on all plan levels.
• School Activities: Provides cancellation coverage for trips you must cancel due to school activities like exams or sporting events beyond standard season dates. This coverage also applies to study abroad, volunteer, or philanthropic programs. This add-on is available for all plan levels.
• Hunting and Fishing: Covers canceled and interrupted trips related to changes in government regulations or delays of 24+ hours in receiving your necessary equipment. This coverage also applies to theft, damage, and destruction of your essential equipment and trips where your guide or traveling companion becomes medically unfit to participate. This add-on is available for all plan levels.
• Destination Wedding: Provides reimbursement for lost funds when you plan to attend a wedding and then it’s canceled. Coverage also applies to canceled flights, flights forced to land 50+ miles from the intended airport, and flight delays of 12+ hours. This add-on isn’t available for Economy plans.
• Security/Terrorism: This covers cancellations due to terrorist events at your destination or trip interruption for riots/civil unrest lasting 12+ hours. It also can provide ransom payments or security assistance for kidnapping. However, it doesn’t cover countries like Mali, Afghanistan, Syria, or others excluded from the policy. It’s available on all plan levels.
• Primary Medical Coverage: This paid upgrade to Preferred plans makes the emergency medical and dental benefits primary coverage rather than secondary.
• Primary Baggage Coverage: This makes baggage coverage primary rather than secondary. This is available on all plan levels.

It’s also possible to upgrade your maximum coverage limits on certain benefits. These include baggage loss and upgrading benefits from secondary to primary coverage.

Few companies offer kidnapping ransom, destination wedding, or school activity coverage. If these are concerns for your upcoming trip, WorldTrips can make sense over competitors that lack these protections.

Take note that rental car protection isn’t included in any plans — not even the Premier plan. It’s available for an additional cost, but this reinforces the importance of using a good credit card that provides built-in rental car protections .

When purchasing an Atlas Journey plan, this coverage is included if you purchase your plan within 21 days of your initial trip payment.

Atlas and StudentSecure plans purchased on or after February 2, 2023, include coverage for medical expenses related to COVID-19.

Comparison of WorldTrips Atlas Journey Travel Insurance Plans

There are several coverages that are the same across all 3 plans :

• Coverage for Pre-existing Medical Conditions — Included if conditions are met and policy is purchased within 21 days of initial deposit
• 24/7 Travel Assistance Services — Included
• Adventure Sports Medical Coverage — Available add-on service; average cost $44
• Pet Care — Available add-on service; average cost $10
• Rental Car Damage and Theft — Available add-on service; average cost $50
• Rental Accommodation Protection — Available add-on service; average cost $21
• School Activities Protection — Available add-on service; average cost $16
• Hunting and Fishing Protection — Available add-on service; average cost of $20

This is the most inexpensive plan but still covers the essentials. You can be reimbursed for canceled, interrupted, and delayed trips and get reimbursed for sicknesses, injuries, and even delayed bags. Numerous add-ons can improve this plan, though the cost will increase.

This intermediate plan offers more coverage and higher cover limits than the Economy plan but costs more. This plan has additional add-on options, and it’s the lowest plan with an option for CFAR coverage.

The most expensive plan also offers the most robust coverage — in terms of types and values. It’s the only plan with an option to add coverage for pre-existing conditions, though many options remain add-ons and aren’t included in this plan (such as rental car coverage).

None of the Atlas Journey plans include rental car protections. Those are available as an add-on, however.

WorldTrips provides another travel insurance plan called On-The-Go . It’s only available to U.S. residents and covers non-refundable trip costs, lost or damaged personal items (including luggage), and medical expenses (including COVID-19).

You can be covered for trip interruption, travel delays, missed connections, and emergency medical expenses. However, you won’t be covered for trip cancellation and cannot add coverage for pre-existing conditions or CFAR.

How Much Does WorldTrips Travel Insurance Cost?

Let’s price some sample plans to see how they cost. This will give you a better idea of whether these plans fit your budget.

These plans are available to U.S. residents and citizens and cover domestic and international trips.

These plans are available to residents of numerous countries and only cover international trips.

Notice there is a high additional cost for elderly travelers . Also, your maximum coverage amount is lower for people aged 60 and above.

Since Atlas Travel plans primarily focus on medical coverage, you don’t need to provide your trip cost when getting a quote. These plans can make sense if you’re OK with minimal trip protections while ensuring you’re covered for possible injuries during a trip. You can choose from several options for a maximum coverage amount and deductible payment for your claims.

These plans are focused on medical coverage during international trips. If you aren’t worried about expenses for delays or cancellations, you could potentially save money by purchasing an Atlas Travel plan. These especially make sense for last-minute trips where your odds of cancellations are low.

As these plans have maximum coverage amounts and don’t cover trip cancellation, they’re cheaper. This can be a good option if your trip is unlikely to be canceled and you want protection for your stuff and your health during a vacation. As long as you’re a U.S. resident, plans are available for both international and domestic travel.

How WorldTrips Travel Insurance Compares To Other Options

Part of shopping for trip insurance is understanding what you get and how much it costs. The other part is understanding how this compares to competitors. What are companies like Generali Global Assistance and Nationwide charging for similar plans? Here’s a comparison of costs.

We priced a 1-week itinerary for 2 travelers (ages 40 and 39) going to Colombia in November 2023. The cost for the trip was estimated at $3,000, and the first trip deposit was made in the last 24 hours. Squaremouth provided these comparison costs.

The WorldTrips plan had the middle cost of the 3 .

All 3 plans included COVID-19 coverage; all 3 provided the same trip cancellation benefits and the same medical evacuation benefits . However, WorldTrips and Nationwide had lower maximums for emergency medical benefits than Generali, and WorldTrips also had the lowest maximum benefit for trip interruption .

WorldTrips has a competitive cost against similar plans from other providers. You’ll see similar coverage types and maximum payouts in some areas. However, you’ll see lower benefits for emergency medical and trip interruption than more expensive options. Consider these numbers and how important they are.

You may be surprised that your credit card could provide some of the same travel insurance . This could help you save money by not needing to buy a separate policy.

However, when the coverage goes into effect varies. Some credit cards require you to pay for the entire trip (including round-trip tickets, not one-way) with that card to trigger the protections. Others go into effect by paying just a portion of the trip with that card. It’s important to understand exactly what your card offers and when it’s available to determine if those protections are sufficient.

Here’s a look at how WorldTrips’ Atlas Journey Premier plan compares to coverage with The Platinum Card ® from American Express , Capital One Venture X Rewards Credit Card , Chase Sapphire Preferred ® Card , and Chase Sapphire Reserve ® .

WorldTrips’ Premier plan has lower trip delay, lower lost luggage, and lower accidental death and dismemberment benefit maximums than you may get with premium credit cards. However, WorldTrips’ top plan has better baggage delay protections and offers the best protections for emergency medical and emergency evacuation.

Even before your trip, you should think about “what if something goes wrong” and have a plan. That includes buying your plan within required deadlines (based on initial and final trip payments) and keeping receipts for every expense. Keep receipts for flights, hotels, rental cars, meals during trip delays, and even a toothbrush while waiting for delayed luggage. Keep it all.

You also should read the policy documents before and after buying a plan. These will help you know precisely what is and isn’t covered. For instance, destination wedding coverage can be handy if the wedding gets called off, but the policy’s fine print will tell you you’re not covered if you’re the bride or groom.

Keeping a paper trail and knowing what is (and isn’t) covered will ensure a smoother claim process because you’ll avoid submitting unnecessary claims and will avoid unnecessary delays during the evaluation process. It also helps you know what’s covered before you swipe your card for expenses during a delay.

If you need to submit a claim, WorldTrips has a “How the claims process works” page , and it includes instructions on what to do, what forms you need, and how the claims process varies based on whether your trip was inside or outside the U.S. It also provides information on how medical facilities can direct bill WorldTrips, which can save you the hassle of paying and then waiting for reimbursement.

No one likes to think about emergencies when planning an exciting holiday. However, planning for emergencies can reduce stress and costs should something go wrong. WorldTrips offers several types of travel insurance, covering all your bases or potential medical expenses. The sheer variety of options provides more potential coverage types than many competitors.

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

For the baggage insurance plan benefit of the Amex Platinum card, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the car rental loss and damage insurance benefit of the Amex Platinum card, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the premium global assist hotline benefit of the Amex Platinum card, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. 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.

For the trip delay insurance benefit of the Amex Platinum card, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip cancellation and interruption insurance benefit of the Amex Platinum card, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

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

Frequently Asked Questions

Is worldtrips legit.

WorldTrips has been around since 1879 and operates in 180 countries. It’s headquartered in Houston, Texas, has excellent financial strength ratings from multiple credit rating organizations.

 How do I contact WorldTrips insurance?

In the U.S., you can call 800-605-2282. From outside the U.S., call collect to 317-262-2132.

How do I submit a claim to Worldtrips?

Within the member portal (formerly the Client Zone), you can access the claimant form, fill it out, and then upload all of your documents electronically. It’s also possible to bill WorldTrips directly for medical expenses.

How do I cancel my Worldtrips policy?

Send an email to [email protected] to cancel your travel insurance policy. You must submit your request prior to the policy’s effective date to receive a refund.

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About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and now plans to let his wife choose their destinations. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.

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WorldTrips Travel Insurance Review (2024)

Protect your next trip.

Charlotte Armitage is a copywriter and content manager writing for brands primarily in the travel and recruitment industries. Writing is a major hobby as well as an occupation, but she also spends her time reading, dancing and bouldering.

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

When you’ve been planning and looking forward to a vacation for months, the last thing you want is for your trip to be disrupted by an accident, emergency or cancellation. In these situations, travel insurance provides reimbursement and support that ensures that unexpected costs don’t ruin your travel experience.

Buying travel insurance before you leave for vacation is important, even if the chances of an unexpected incident are low. A range of travel insurance providers offer a variety of policies and coverage options, and WorldTrips is one of our top-rated recommendations .

In this article, we discuss the different policies and plans offered by WorldTrips to help you decide whether they’re the best provider to buy travel insurance from.

Our Take on WorldTrips Travel Insurance

WorldTrips is a travel insurance provider that offers a range of different coverage options, including specific travel medical plans. Founded in 1998, the company was one of the first to offer customers the ability to book travel insurance online. Services are now available to travelers 24/7.

WorldTrips earned 4.6 out of 5 stars according to our methodology because it has multiple plans with good coverage limits. It’s a particularly good company to insure a hunting trip, a specific type of vacation that many providers don’t include in their plans.

Pros and Cons

Compare worldtrips to the competition, 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

What Does WorldTrips Cover?

WorldTrips has a basic policy called Atlas Journey , and it sells three levels of coverage: Atlas Journey Economy, Atlas Journey Preferred and Atlas Journey Premier.

The Atlas Journey Economy plan is the least expensive of the three and includes:

• Up to 100% of trip cost for trip cancellation or interruption, up to $10,000
• Up to $100 a day for trip or travel delays , with a $500 maximum
• Up to $500 for a missed connection
• Up to $200 for baggage delay
• Up to $250 per article for baggage loss or damage, up to $1,000
• Up to $10,000 for medical accidents and sickness
• Up to $500 for dental expenses
• Up to $250,000 for emergency medical evacuation
• Up to $10,000 for accidental death and dismemberment on a trip

If you’re looking for a basic travel insurance plan with more specific travel medical coverage , you can customize the Atlas Travel Insurance plan by picking from several medical insurance riders.

Optional Riders

Riders are add-ons that you can marry to your travel insurance policies, giving you extra coverage for specific activities or scenarios. Riders are useful if you or someone in your group has pre-existing medical conditions or if you’re going to a destination that has expensive healthcare.

Here are the optional riders available with Atlas Journey insurance products:

• Cancel For Any Reason (CFAR)
• Interruption for Any Reason
• Destination wedding cancellation coverage
• Adventure sports
• Rental car damage and theft
• 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 hospital of choice
• Increased medical maximum benefit limit
• Primary coverage for baggage damage or loss

Policies Offered

WorldTrips has several policies designed for specific types of vacation. Each offers varying coverage limits and options, shown in the table below.

How Much Does WorldTrips Travel Insurance Cost?

According to our analysis, Worldtrips average policy cost is $184 . This is $37 lower than the average of all companies we shopped quotes for at $221.

Companies calculate travel insurance costs based on the level of coverage you need and the likelihood that you’ll end up making a claim. This takes into account where you are traveling, the age and health of the people on the trip and the length of time you need trip protection insurance for.

WorldTrips travel insurance is reasonably priced when compared to its competitors, with the Atlas Journey Economy plan providing the best value for money . The cost of insurance plans from the provider will vary depending on deductibles and add-ons, which can be used to customize your policy.

Use the chart below to compare WorldTrips' average cost to competitors:

When you book the Premier package with WorldTrips, the optional add-ons are cheaper in comparison to when booked as part of the Economy plan.

Read More: Travel Insurance For United States Tourists

Does WorldTrips Offer 24/7 Travel Assistance?

Any customer that purchases Atlas Travel, Atlas Premium, Atlas Group, Atlas MultiTrip or StudentSecure insurance from WorldTrips gets 24/7 travel assistance. It provides medical assistance to people that buy Atlas Journey or Atlas On-The-Go insurance plans.

From within the United States, you can call the toll-free number 800-605-2282. Outside the U.S., the assistance phone number is +1-317-262-2132.

These travel assistance services include help with:

• Lost luggage
• Passports or travel documentation
• Language translation or interpretation
• Emergency travel arrangements
• Cash transfers
• Message services
• Prescription replacements
• Referrals for legal or medical services

This is a very beneficial service as it gives you access to expert advice and help in an emergency when you’re on vacation.

WorldTrips Customer Reviews

The customer reviews for WorldTrips insurance are mixed, with positive reviews mainly coming from customers that haven’t had to file a claim and were happy with the coverage they received and the information they were given by the company. However, some complaints from customers state that the claims process is incredibly long and that reimbursement is rarely given due to unexpected exclusions, along with reviews saying that customer service was unhelpful.

“Initially ran into a problem with setting up a claim, as I had used the incorrect policy number. I contacted Atlas, and they emailed me the paper version [of a claim form], which I manually filled out and mailed. I appreciate that they emailed me confirmation that it had been received. Two weeks later, I received a check in the mail with my refund. Excellent outcome.” — Rickie via Squaremouth “We filed a trip cancellation claim due to health reasons, and it was paid in full without any issues about six weeks later. It was a large claim, so I was expecting all sorts of questions and arguments… [It] was a great surprise that it went so smoothly. The only negative to the process was there was zero feedback from WorldTrips (or their 3rd party claims broker) about the status. Instead, I called WorldTrips every couple of weeks. They answered the phone quickly and updated me on the status.” — Jason via Squaremouth “Worst experience I've ever had with an insurance company. Any company, in fact. They wouldn't guarantee a payment before surgery, so I paid out of pocket because they assured me it would be a simple claims process afterward. The claims process was convoluted and tedious, and I suspected after reading numerous reviews that they'd find a reason to deny. As a shock to no one, they did. Total waste of time and money.” — Jerrica via Trustpilot “I bought their medical travel insurance. The claims process is convoluted, and they request you to submit your entire medical history, regardless of the type of claim. I had to follow up several times, and each time they would say that it takes 30-45 days for review of your email — then they still don't get back to you. Despite submitting all my dental and medical records, my small claim was denied, about a year later. It's pretty much the stereotypical worst nightmare of trying to deal with an insurance company.” — Amanda via Trustpilot

How to File a Claim with WorldTrips

There are two ways to submit a claim with WorldTrips. One is through an online form on its website under Trip Protection Insurance Plans. The other is via a form for Travel Medical Insurance Plans. Both processes require customers to fill in comprehensive forms and have copies of any necessary documentation that relates to their claim, such as records of medical expenses or credit card bills.

You can start the claims process with WorldTrips on its website .

The Bottom Line on WorldTrips

WorldTrips has an array of travel policies that include international student coverage , group travel plans , short-term coverage and both domestic and international plans for U.S. citizens. Some of its plans are highly customizable, perfect if you’re looking for a particular kind of coverage.

Some customer reviews for WorldTrips are positive, and in comparison to competitors, its coverage options provide good value for the money. But some customers report difficulties submitting claims and long wait times when contacting the company.

The selection of optional riders that you can customize plans with is excellent, and we particularly recommend this provider for hunting trips because of the specific coverage available for this activity.

Frequently Asked Questions About WorldTrips Travel Insurance

What are covered reasons for trip cancellation with worldtrips.

Covered reasons for trip cancellation with WorldTrips insurance plans include a doctor recommending you cancel your trip, the illness or death of a family member, companion, business partner, service animal or a travel companions’ family member. Other reasons are a natural disaster, severe weather in your destination, or a terrorist incident in a location on your itinerary.

How do you purchase a trip cancellation for any reason (CFAR) benefit?

You can buy CFAR coverage as an add-on when you purchase travel insurance from WorldTrips. Once you select your plan, you’ll get the option to include cancel for any reason coverage and choose whether you’d like this to cover 50% or 75% of your trip costs.

Can you buy trip protection insurance from WorldTrips after departing?

Unfortunately, you can’t buy trip protection insurance from WorldTrips after you start your trip. But WorldTrips permits customers to buy health insurance coverage when they’re in another country. That can provide emergency coverage for medical expenses.

How long will it take for WorldTrips to review a claim?

WorldTrips advises its customers that it can take up to 15 business days for a claim to be reviewed. You should hear back from the company within that time, and you may get asked to submit more information or documentation about your claim.

Methodology: Our System for Rating 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).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have questions about this page, please reach out to our editors at [email protected] .

• Provider Review

Reviews, Sales, and Service Ratings for WorldTrips

0.1% (33) negative reviews to sales Average on Squaremouth is 0.2%

• 5 stars 241
• 1 star   16
• Customer Service Before Trip
• Customer Service During Trip
• Customer Service During Claim

Customer Reviews for WorldTrips

Sort by Most Helpful, Most Recent, Star Ratings, or select “Filed Claim” to only show reviews from customers who filed a claim.

• Next ›
• Last »
• Sort and Filter Sort/Filter All ratings 1 star 2 stars 3 stars 4 stars 5 stars Newest First Rating, best to worst Rating, worst to best Most helpful first Filed claim

I have been in the process of filing a claim for several weeks. The first I sent an electronic file to their email and received no acknowledgement. The second was as a registered letter which has been in transit since April 8th. This is the 20th of April. This is the post office's fault not WorldTrips but the process has been frustrating.

It is hard to compare so many offerings, especially when I don't understand the minute differences in coverage. The representatives always help me make a decision and came up with different ways to meet the variety of needs that we had.

In our case, we needed assistance to get a medication in the UK that we had left home in the US. They were so responsive and helpful. We ultimately did not get the medication because my husband didn't want to take time out of our trip to do it, but I'm sure that process would have been as easy as it is to purchase the policy. I can't say enough about how grateful I am that we had the ability to find medical care and that World Trips made it so easy.

thankful for easy booking experience

The issue we encountered so far was not receiving copy of our paid policy via email that we provided. We found a link for rating the service and only after then someone sent us a copy. We don't know how the claiming process will be like, we are done with our trip and grateful that we didn't have to use the insurance.

The form that collected my wife's and my personal information - NAME - populated the policy Wrong - specifically, my wife's name. I sent them email, I called their "customer service" number and was never contacted back.

I sent an additional email explaining that the policy had the (her) wrong name on it. They supposedly corrected it, but it was never correct.

I will NOT use them again. I hope the claims service is better, as I do have a medical claim to file.

Thank you for contacting us. Our records indicate that on January 11, 2024, at 1:09pm EDT, the policy you purchased was updated to reflect the correct second travelers name per your email request. After the update was made, revised policy documents reflecting the name change were sent to the Gmail address on file at 1:13pm EDT. If you would like for us to resend your policy documentation please contact us at 866.400.6090 and we’d be happy to assist you.

Submitting the appropriate paperwork was user friendly. However, uploading docs was more challenging with different sections to upload and a potential to duplicate. Wasn't able to delete the previous upload into another section. I had to add another doc after submitting the request, which was straightforward.

The whole process was quick (1 week). However, there is no way to check the status of your claim. Or any notification that the claim was approved and payment sent until I contacted them to inquire.

It would be more convenient to be able to receive the check(s) through electronic deposit. They mailed them instead.

Overall, a very good experience. I used this company again for our upcoming trip.

Called a couple of times and everything was answered and taken care of.

The coverage was confusing, but I never called to ask questions, so I can't rate customer service. Perhaps there could be ways to make coverage more simple, clear?

We are sorry you felt the coverages were confusing, please call us next time to discuss any question you may have. We are here to put your mind at ease.

I haven’t heard anything after filing a claim two weeks ago. Please reach out asap with an update. Thanks.

Got positive covid after returning from trip. Did not need to file a claim.

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Additional Information

• AM Best Ratings

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• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

World Nomads Travel Insurance Review: Is it Worth The Cost?

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

Table of Contents

What does World Nomads travel insurance cover?

World nomads single trip plans, which world nomads insurance plan is best for me, can you buy world nomads travel insurance online, what isn’t covered, is world nomads insurance worth it.

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

World Nomads offers the Standard and Explorer travel insurance plans and excels in sports/activity related travel insurance coverage while offering solid trip delay, baggage delay and lost luggage protections.

The provider offers insurance plans for travel to nearly any country and is available to residents of most countries. In the U.S., World Nomads policies are administered by Nationwide Mutual Insurance Company, a Fortune 100 company offering various types of insurance and financial products.

Here’s what you need to know about World Nomads travel insurance to help you decide which plan makes sense for your trip.

Before you buy a plan, check to see if you already have coverage through a premium travel credit card , and if so, verify whether those limits are sufficient. If they are, standalone emergency medical coverage may be adequate as the travel insurance provided by credit card often excludes healthcare expenses or offers a low limit (the Chase Sapphire Reserve® is one of the few cards to offer emergency medical and dental, however coverage is capped at $2,500 ).

World Nomads offers different coverage levels for its travel insurance options, but both qualify as single trip plans.

Single trip plans are designed for individuals who are leaving their home, visiting another destination (or destinations) and returning home. These travel insurance plans are the most comprehensive and provide benefits like trip cancellation, trip interruption and medical coverage. 

World Nomads is unique amongst other providers as it is a good fit for adventurous travelers. Its plans automatically include coverage for over 200+ activities, including skiing , rafting, backpacking and bouldering. Note that extreme sports are not covered.

All plans include trip protection, emergency medical insurance , emergency evacuation and coverage to protect your gear.

World Nomads offers two plans, with the latter offering higher limits and additional adventure sports coverage.

The plans can be purchased for trip duration up to a maximum 180 days, and you can extend your coverage mid-trip. The price of the policy will depend on the duration of the trip and the countries that you're visiting.

To see the cost of the insurance plan, you will need to input your trip details, your age and state of residence. Unlike many other insurers, you do not need to include the cost of your trip when searching for a World Nomads policy because trip cancellation and interruption benefits are capped at a specific dollar amount rather than a percentage of money spent.

We input a sample trip of a two-week vacation in December 2023 to Italy by a 30-year-old from Illinois.

World Nomads single trip plan cost

Here are some example World Nomads insurance costs based on our example trip.

Standard Plan

The Standard Plan ($86) is a good choice for those who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain adventure sports.

However, this plan still shines in sports coverage, covering activities like wind surfing and bungee jumping, which are seldom covered by travel insurance companies. A full list of covered sports by plan type is available on the World Nomads site.

Explorer Plan

The Explorer Plan ($155) includes all the benefits of the Standard Plan along with higher limits, rental car damage insurance (in the states where it is available) and adventure sports (e.g., skydiving, heli skiing) coverage.

This choice is also good for those whose trips costs less than $10,000 as this is the maximum trip cancellation and interruption protection.

A Cancel For Any Reason (CFAR) upgrade is not offered by World Nomads. If this option is a must, look for a travel insurance company that offers CFAR.

Selecting the appropriate plan for your travels involves understanding which coverage you’d like on the trip.

If you have a premium travel card : If you have a premium travel card that offers an adequate amount of trip cancellation / interruption benefits, you may only need to get a standalone emergency health care policy. For example, The Business Platinum Card® from American Express offers $10,000 per trip and $20,000 per year in trip cancellation benefits . Terms apply. Only the Explorer Plan ($10,000) has a comparable level of trip cancellation protection. Terms apply.

If the coverage provided by your card isn’t adequate or applicable: If you don’t have a premium travel credit card , the coverage provided by your card isn’t sufficient or you didn’t use the card to pay for your trip, then a comprehensive insurance plan like the Standard or Explorer plan might be the best choice.

More chill travelers: If you don’t need adventure sports coverage and your trip costs less than $2,500 (or you already have trip cancellation / interruption benefits from your credit card), the Standard Plan would be sufficient.

» Learn More: How to find the best travel insurance

Go to worldnomads.com and input your trip details.

If your country of residence is the U.S., an additional row will appear asking you to input your state.

» Learn more: Is travel insurance worth it?

Trip insurance plans are filled with exclusions, so you’ll want to pay attention to what is and isn’t covered so there aren’t any surprises. Here are some exclusions you can expect from World Nomads:

Pre-existing conditions: If you’ve sought treatment for any illness or condition in the 90-day period preceding the start of the policy and then seek medical care for the same illness/condition, you may be on the hook for the bill since World Nomads does not cover pre-existing conditions.

Intentional acts: Losses sustained from self-harm, intoxication, drug use or criminal activity are not covered.

Travelers with pre-existing conditions might consider policies from providers like Travel Guard by AIG or Allianz .

» Learn more: The best travel insurance companies right now (World Nomads is on the list!)

World Nomads has been offering insurance since 2002. The company is well established and offers two single trip travel insurance policies to fit many different needs.

Both plans offered by World Nomads include trip cancellation, interruption and delays; emergency accident and sickness medical expenses; emergency evacuation; repatriation of remains; non-medical emergency transportation; baggage and personal effects; baggage delay for outward journeys; rental car damage in certain locations; accidental death and dismemberment; Generali Global Assistance; and adventure sports and activities.

World Nomads does not include Cancel For Any Reason coverage, even as an add on.

You will need to file a claim with the insurer after you’ve incurred costs related to a covered expense. If the claim is approved, you will receive a reimbursement. In some instances, such as baggage delay, World Nomads pays you a fixed amount per day rather than 100% coverage for costs incurred.

World Nomads offers some good travel insurance plans for adventurous, single-trip travelers. This is also a good fit for anyone who is uncertain about their trip length (since you can add coverage during your vacation).

Insurance can be extended mid-trip.

You can insure trips up to 180 days in length — which makes it an attractive option for digital nomads .

Adventure sports coverage is more robust than many other plans.

Simple choice of two plans.

Extreme sports are not covered.

There is no annual plan option. A policy ends once you return within 100 miles of home, even if you’re only home briefly as part of a long trip.

Regardless of your trip cost, trip cancellation and interruption coverage is capped at a dollar amount rather than as a percentage of trip cost. The Standard Plan and Explorer Plan cover trips up to $2,500 and $10,000, respectively. If you’re going on a more expensive trip, you won’t be able to protect the entire trip.

You must be 70 years old or younger to qualify for coverage.

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

A previous version of this article misstated World Nomads' insurance offerings. This article has been corrected.

on Chase's website

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

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

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Travel Insurance

World Nomads travel insurance review 2024

Jennifer Simonson

Mandy Sleight

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

Heidi Gollub

Updated 5:28 p.m. UTC Feb. 23, 2024

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World Nomads

Covers COVID?

Medical & evacuation limits per person, what you should know.

While many travel insurance companies exclude coverage for adventure activities, World Nomads designed its policy with the adventure traveler in mind. Individuals who engage in high-risk, international volunteer work may also benefit from this coverage. World Nomads covers more than 200 adventure activities, from skydiving to running with the bulls. It does not offer “cancel for any reason” coverage .

• Covers hundreds of high-risk athletic and adventure activities.
• Explorer Plan offers $500,000 in emergency evacuation coverage.
• Offers $25,000 non-medical emergency evacuation coverage.
• If you are not an adventure traveler, you can find cheaper rates elsewhere.
• “Cancel for any reason” upgrade not available.
• No waiver for pre-existing conditions available.

World Nomads overview

World Nomads has been selling travel insurance since 2002. Nationwide underwrites all World Nomads travel insurance plans. 

Athletes and adventurers may be interested in World Nomads travel insurance because of its generous coverage of potentially risky activities. International volunteers may also consider a World Nomads plan if they volunteer in disaster zones or do high-risk volunteer work like construction. 

World Nomads offers two plans, each with different benefits, limits and sub-limits for coverage. Read our World Nomads travel insurance review to determine if one of these plans meets your needs.

World Nomads travel insurance plans

World Nomads offers two travel insurance plans: Standard Plan and Explorer Plan. Get an online quote to compare the plans before buying. You won’t be able to upgrade your plan mid-trip. That said, if you extend your trip while traveling, World Nomads will allow you to buy more coverage.

Both Standard and Explorer plans include emergency travel medical insurance coverage of up to $100,000 as well as trip cancellation insurance , trip delay and interruption insurance, baggage coverage and accidental death and dismemberment coverage. The plans also include a 24/7 emergency assistance number where a staff of multilingual assistants can connect you with medical treatment and transportation in the case of an emergency. 

World Nomads Standard Plan 

This budget-friendly plan covers everything you would expect from a travel insurance plan, but with lower coverage limits than the Explorer Plan. It also covers more than 200 adventurous activities, such as dog sledding, glacier walking, ice fishing, zip lining, bungee jumping, moped biking, tree climbing, sailboarding, triathlons, deep sea fishing and skateboarding. Covered activities may vary depending on your country of residence. 

World Nomads Explorer Plan

The World Nomads Explorer plan covers everything in the Standard plan but increases the limits for many coverages and adds coverage for nearly 80 adventure activities. Additional covered activities under the Explorer Plan include backcountry snowboarding, heli-skiing, free diving, shark cage diving, skydiving, running of the bulls and rock climbing. 

World Nomads Standard Plan vs. Explorer Plan

The Explorer Plan will cost you more, but it comes with higher coverage limits. Compare the two World Nomads travel insurance plans side by side.

World Nomads travel insurance covers

The main types of travel insurance packaged together in World Nomad policies include:

• Trip cancellation and interruption. Trip cancellation insurance and trip interruption insurance reimburse you for prepaid, non-refundable trip expenses if you need to cancel your trip or cut it short because of a covered reason. Covered reasons typically include severe weather and illness, injury or death of you, your traveling companion or a close family member.
• Emergency medical expenses and evacuation. Travel medical insurance and medical evacuation coverage help pay hospital bills and medevac expenses if you get sick or injured on your trip.
• Travel delay. If your trip is delayed for six hours or more due to a reason listed in the policy, travel delay insurance can help cover the cost of accommodations, meals and local transportation while you are delayed. 
• Baggage. Baggage insurance includes lost or stolen baggage, excessive baggage damage and baggage that is delayed more than 12 hours, on your outgoing journey only.  
• Travel Assistance Services. Multilingual travel agents with Generali Global Assistance provide 24-hour assistance services for World Nomads. You can call for help locating a physician or to coordinate emergency medical transportation and care. 

World Nomads also covers more than 200 adventure activities, many of which may be excluded by other travel insurance plans. A few activities covered by both World Nomads plans are:

• Aerial safari.
• Camel riding.
• Cave tubing. 
• Dog sledding.
• Kite surfing.
• Snorkeling.
• Spearfishing.
• White water rafting.

World Nomads travel insurance doesn't cover

Like many travel insurance companies, World Nomads does not cover everything. 

Common medical claims that are not covered by World Nomads travel insurance include:

• Injury while intoxicated on drugs or alcohol.
• Injury sustained while behaving in a reckless manner. 
• Certain pre-existing medical conditions.
• Non-emergency treatments. 
• Routine medical exams. 
• Normal labor and childbirth.
• Intentionally harming oneself.
• Suicide or attempted suicide.

There are also a handful of adventure activities that are excluded from coverage, such as base jumping and mountaineering over 22,965 feet.

Read your policy carefully to understand any exclusions before traveling. If you’re not happy with your policy, you have 10 days to request a refund. 

Filing a claim with World Nomads

You can file a travel insurance claim using World Nomads’ 24/7 online portal. To start a claim, log into your member account and follow the prompts. You will be asked questions relevant to your claim. Once you are done answering all the questions and uploading any relevant documents, click the declaration to finish the claim. You should then receive an email confirmation with your claim number.

It is a good idea to always have your policy number handy in case you need to file a claim or call the 24-hour Emergency Assistance Team while traveling. 

Compare the best travel insurance companies of 2024

Shopping for a travel insurance policy? Consider getting a quote from one of the insurers that made our best travel insurance companies rating. 

World Nomads travel insurance review FAQs

World Nomads does not cover pre-existing conditions and does not provide the option for a pre-existing conditions exclusion waiver, as some of the best travel insurance companies do. 

No, World Nomads does not have “cancel for any reason” (CFAR) insurance . This optional upgrade, available with many travel insurance plans, allows you to pay extra for the right to cancel your trip for any reason at all. As long as you cancel at least 48 hours before your scheduled departure, you’re typically entitled to a percentage of your nonrefundable trip expenses, generally 50% or 75%. 

Adding CFAR to your plan typically increases the cost of your travel insurance by 50%. Comparing travel insurance plans can help you to find the best CFAR travel insurance . 

Yes, World Nomads travel insurance covers personal electronic devices if they are stolen, lost or damaged on your trip. If all other sources of compensation are exhausted — such as filing a claim with your airline or your homeowners insurance — World Nomads may reimburse you for the depreciated value of your loss.

Keep in mind, however, that the per-article limit for World Nomads’ baggage and personal effects coverage is $500 under the Standard Plan and $1,500 with the Explorer Plan. 

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

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

Jennifer Simonson covers everything from business to the wine industry to international travel. Outdoor adventure, water parks and all things Texas are by far her favorite beats. Her work has appeared in Forbes, Travel + Leisure, Texas Monthly, Smithsonian Magazine, Fodor's, Lonely Planet, Slate and more. You can follow her on Instagram at @storiestoldwell.

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

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

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9 Best Travel Insurance Companies of 2024

According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

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

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

Travel insurance can help you protect the financial investment you made in your vacation when unexpected issues arise. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.

• Travelex Insurance Services: Best Overall
• Allianz Travel Insurance: Best for Trip Interruptions
• HTH Travel Insurance: Best for Groups
• Tin Leg: Best Cost
• AIG Travel Guard: Best for Families
• Nationwide Insurance: Best for Last-Minute Travel Insurance
• Seven Corners: Best for 24/7 Support When Traveling
• Generali Global Assistance: Best for Medical Emergencies
• Berkshire Hathaway Travel Protection: Best for Specialized Coverage

Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Medical and trip cancellation maximum are not as high as some other companies

• 100% of the insured trip cost for trip cancellation; 150% for trip interruption
• Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
• $750 in missed connection coverage
• $50,000 in emergency medical and dental coverage
• Up to $500,000 in emergency medical evacuation and repatriation coverage

SEE FULL REVIEW »

Annual and multitrip policies are available

Distinguishing between the company's 10 travel insurance plans can be challenging

• Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
• $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
• Up to $1,600 for travel delays
• Emergency medical coverage of up to $75,000
• Epidemic coverage

Generous coverage at the mid- and high-tier levels, and great group discounts

Preexisting conditions coverage is only available at mid- and high-tier plans

• 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
• Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
• Up to $2,000 in coverage for trip delays; $1,000 for missed connections
• $500,000 in coverage per person for sickness and accidents

Variety of plans to choose from, including two budget-friendly policies and several more premium options

More limited coverage for baggage issues than other companies

• 100% trip cancellation protection; 150% trip interruption
• $500 per person for lost, stolen or damaged baggage and personal items
• Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
• $100,000 per person in emergency medical coverage, including issues related to COVID-19

Travel insurance policy coverage is tailored to your specific trip

Information about policy coverage inclusions is not readily available without first obtaining a quote

• Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
• Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
• Up to $1,000 in missed connection and trip delay coverage
• $100,000 in emergency medical coverage

Variety of plans to choose from and coverage available up to a day before you leave on your trip

Limited trip cancellation coverage even at the highest tier

• Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
• $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
• Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
• $150,000 for emergency medical and dental issues

Customer service available 24/7 via text, Whatsapp, email and phone

Cancel for any reason coverage costs extra

• 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost 
• Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
• Trip delay and missed connection coverage worth up to $1,500
• Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)

Generous emergency medical and emergency evacuation coverage

Coverage for those with preexisting conditions is only available on the Premium plan

• 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
• $2,000 in coverage for loss of baggage per person
• $1,000 per person in travel delay and missed connection coverage
• $250,000 in medical and dental coverage per person

In addition to single-trip plans, company offers specific road trip, adventure travel, flight and cruise insurance coverage

Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan

• Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
• $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
• Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
• Medical coverage worth up to $50,000

To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong June 2024 trip to Spain for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.

Travel Insurance Types: Which One Is Right for You?

There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:

COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .

Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.

Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .

International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.

Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .

Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.

Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.

Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.

Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.

You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .

Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.

Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.

Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .

Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express . 

Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.

Frequently Asked Questions

The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.

Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.

However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.

Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or Travelex, but you can also shop and compare policies with a travel insurance platform. Popular options include:

• TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
• InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.

Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .

When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.

Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.

Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.

If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.

Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.

Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.

The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.

You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.

Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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World Nomads Travel Insurance Review

World nomads plans available, world nomads travel insurance cost.

• How to File A Claim with World Nomads Travel Insurance

Compare World Nomads Travel Insurance

World nomads travel insurance faqs.

• Why You Should Trust Us

World Nomads Travel Insurance Review 2024

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

If you're looking for travel insurance that allows you to confidently participate in a wide range of sports and adventure activities around the world, then World Nomads Travel Insurance might be right for you. The company's policies cover travel to almost anywhere on the globe and are available to residents of nearly every country. 

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

Among the best international travel insurance companies , World Nomads is particularly good at insuring athletes, covering well over 300 sports, including skydiving, bungee jumping, and golf. World Nomads is also a great last-minute purchase, allowing you to purchase coverage even after your trip has started. However, if you purchase a plan after departure, you will have to wait 72 hours before your plan kicks in.

That said, World Nomads lacks crucial coverage options, such as cancel for any reason coverage and coverage for pre-existing conditions. It also doesn't insure travelers older than 70.

Additionally the service has received middling reviews from customers, averaging 3.4 stars out of five across 2,510 reviews. Customers often complained about their lengthy claims processes and poor customer service.

Some also took issue with the "Nomads" branding, as some travelers with multiple destinations and long-term trips found their trip wasn't covered by Nomads' specific policies. It's worth noting that World Nomads was very responsive to positive and negative reviews on Trustpilot.

World Nomads has two basic policies: Standard and Explorer. Each covers essentially the same things, but Explorer has higher amounts that World Nomads is willing to pay out for claims. The company's policies cover more than 150 specific activities. These range from bungee jumping and rock climbing to hang gliding and hot-air ballooning. You can see the full list on the company's website.

Additional Coverage Options (Riders)

One of the most common upgraded features of a travel insurance policy is cancel for any reason (CFAR) , where you really can cancel for reason beyond what's in a standard policy. This is not available on every policy, but it is often a feature that travelers are looking for while shopping for travel insurance before their trip. At this time, World Nomads doesn't offer CFAR coverage.

At the time of this review, World Nomads also offers sports equipment coverage. In February of 2022, it expanded coverage to include more than 150 sports and activities including Pickleball and FootGolf. It currently covers over 300 sports. So, as you can imagine, plans with sports coverage will cover virtually any sport you might play.

You can obtain a quote from World Nomads on its website by providing details about you and your trip. Be prepared to provide the following information:

• Your destination(s)
• Duration of trip
• Your country of residence
• State of residence (if you're from the US)
• Number of travelers
• Traveler(s) age

Notably, World Nomads does not ask you for the price of the trip, which many travel insurance companies factor into the trip of your policy. As such, World Nomads may be a good option if you're going on a particularly expensive trip. 

We ran a few simulations to offer examples of how much a World Nomads policy might cost. You'll see that costs usually fall between 5% and 7% of the total trip cost, depending on the policy tier you choose.

As of April 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  World Nomads travel insurance quotes:

• World Nomads Standard: $76.58
• World Nomads Explorer: $123.34

Premiums for World Nomads's plans are well below the average cost of travel insurance .

World Nomads provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• World Nomads Standard: $85.83
• World Nomads Explorer: $155.06

Once again, premiums for World Nomads plans are between 2.2% and 3.8%, below the average cost for travel insurance.

A couple of 65-years of age looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following World Nomads quotes:

• World Nomads Standard: $152.96
• World Nomads Explorer: $276.34

Premiums for World Nomads plans are between 2.6% and 4.6%, once again below the average cost for travel insurance. This is especially impressive as travel insurance is often more expensive for older travelers.

How to File A Claim with World Nomad Travel Insurance

You can start an insurance claim by filing it on the company's website. 

You can call toll-free in the US and Canada if you need to reach the company in an emergency at: (877) 289-0968.

Callers from outside the US and Canada can reach the company at: (954)-334-8143.

The email address is: [email protected]

You'll need to have the following ready to file a claim:

• Your policy number
• A contact number
• The nature of your problem
• Your location
• Prescribed medication (if any)

Make sure you keep any documents related to the claim you're filing. This includes any receipts, notices, and invoices.

World Nomads is particularly good at insuring traveling athletes, but let's see how it stacks up against the best travel insurance companies .

World Nomads Travel Insurance vs. Allianz Travel Insurance

Allianz Travel Insurance is a strong competitor against World Nomads, especially for travelers looking for a more business-oriented option. The company has been in business for more than 120 years and offers a wide range of insurance, not just travel-related, around the world. A key difference between World Nomads and Allianz Travel Insurance is that Allianz Travel Insurance offers travel insurance that can cover multiple trips in the same year. You can take an unlimited number of trips within the same calendar year, but you do have to double-check that all of your destinations are covered by the policy you select. 

Another difference is that Allianz Travel Insurance offers pre-existing condition waivers for qualifying customers. World Nomads doesn't have the same coverage, requiring that the pre-existing condition is fully stable in order for limited coverage with respect to trip cancellations or having to end a trip early. 

Read our Allianz travel insurance review here.

World Nomads Travel Insurance vs. AIG Travel Guard

Travel Guard , a product backed by AIG Travel, is another potential alternative to World Nomads. AIG is a prominent player in the insurance industry, and the Travel Guard product represents true global coverage. 

Unlike World Nomads, Travel Guard has coverage for pre-existing medical conditions, but there are conditions. Travelers must purchase their policy within 15 days of the initial trip payment to qualify for a pre-existing condition waiver. 

Both travel insurance companies use a tiered approach, but Travel Guard has higher dollar amounts across the board. For example, trip cancellation for Travel Guard covers 100% of the trip cost, while with World Nomads the amount will depends on the tier of the coverage you purchase. Trip Interruption is also a fully covered event with Travel Guard's. Depending on the plan selected, it will either cover 100% or 150% of the trip cost. 

If you're concerned about COVID-19 coverage with trip insurance, there's more coverage with World Nomads than Travel Guard. With Travel Guard, coverage for having to stay in a country past your original booking dates is an add-on, not a standard part of the policy. 

Read our AIG Travel Insurance review here.

Compare World Nomad vs. Credit Card Travel Insurance

If you already have a major credit card in your wallet, you most likely have some travel insurance benefits that come with it. These benefits do vary from card to card. Be sure to check your card's specific policies.

Not all credit cards will feature travel insurance protection. The ones that do may have specific limitations. For example, many credit cards with travel protection require that your airfare is paid for with the card in question for protections to take effect. 

Reimbursement isn't guaranteed. The credit cards do require that you file your claim and wait for a decision. World Nomads makes it easy to file a claim online and submit receipts and documentation. The response is fairly quick based on reviews from travelers that have actually had to file claims. 

The more premium the credit card, the more likely expanded travel protections are part of its features. If you don't already have a premium credit card, it's better to get travel insurance. This is also the case if you have multiple trips planned. Some credit cards limit not just the total dollar amount, but the number of claims within a 12-month period.

Read our guide on the best credit cards with travel insurance here.

Yes, you can extend your World Nomads plan while traveling, but you cannot upgrade a standard plan to the Explorer plan. 

World Nomads covers COVID-19 like any other illness under its emergency medical coverage.

You can file a claim on World Nomads's website, over the phone, or by mail. Make sure to provide as much documentation as possible to ease the claims process. 

World Nomads currently covers 326 sports and adventure activities, from ziplining to zorbing.

Yes, you can purchase World Nomads insurance for a trip that has already started. However, a policy purchased during your trip will have a 72-hour waiting period before insurance starts.

How We Reviewed World Nomads Travel Insurance

To prepare this review on World Nomads, we started by detailing the company's travel insurance offerings. Then we looked at the best travel insurance plans and compared them to World Nomads. We looked at things like typical policy costs, coverage options, available add-ons, what's covered, and claim limits.

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

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

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

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The best travel insurance policies and providers

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

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

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

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

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

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

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

The best travel insurance providers

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

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

AIG Travel Guard

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

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

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

Preexisting conditions

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

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

Standout features

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

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

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

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

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

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

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

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

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

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

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

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

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

Purchase your policy here: American Express Travel Insurance .

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

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

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

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

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

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

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

Purchase your policy here: GeoBlue .

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

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

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

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

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

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

Purchase your policy here: IMG .

Travelex Insurance

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

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

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

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

Purchase your policy here: Travelex Insurance .

Seven Corners

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

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

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

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

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

Purchase your policy here: Seven Corners .

World Nomads

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

World Nomads offers two single-trip plans.

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

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

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

Purchase your policy here: World Nomads .

Other options for buying travel insurance

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

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

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

Is travel insurance worth getting?

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

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

What is the best COVID-19 travel insurance?

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

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

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

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

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

What are the different types of travel insurance?

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

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

Should I buy travel health insurance?

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

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

How much does travel insurance cost?

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

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

When and how to get travel insurance

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

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

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

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

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

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

Bottom line

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

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

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

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