travel insurance california

Travel Insurance for California: 3 Best Companies for 2023

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WONDERING ABOUT CALIFORNIA TRAVEL INSURANCE?

You’ve landed on the right article — as  I live in California  and have my entire adult life! I’m here to help you navigate tricky travel insurance questions for any travel, and by the end of this article, you’ll be a travel insurance pro!

I know the words travel insurance don’t sound fun; it’s not the same as planning an itinerary from San Francisco to Napa , but planning and buying the right insurance before your trip gives you ownership and empowers you to imagine all the wonderful adventures you’ll have without worrying that you can’t cover the unexpected event life throws.

🧐 WHAT IS THE BEST TRAVEL INSURANCE?

Determining the best travel insurance policies is a question that comes up a lot in the travel business, and as a travel writer, it can be confusing to people.

While there are numerous companies, this article covers three of my top picks to purchase travel insurance from.

These three will work for a vast majority of travelers and digital nomads like myself.

I live in California, my existing health insurance covers me when traveling around the state, but when I travel internationally, I use one of these top three.

I’ve kept it simple and put the three companies I’ve purchased travel insurance from at the top (except for the last one, because it’s for travelers over 65) in case you don’t have time to read this whole article. 

✅ Best for expats and general travelers: SafetyWing ✅ Best overall insurance: World Nomads ✅ Best insurance for older travelers: Insure My Trip

To determine which insurance is best for you, consider factors like age, deductible, the policy’s total cost, medical benefits, and the coverage you need.

Don’t fret — we’ll cover how to pick the best insurance for you!

After you figure out which plan fits your needs, check out the California Covid info and the California travel insurance FAQ at the end of this article.

Disclaimer: I am not an insurance expert, insurance broker or  insurance salesperson. For specific questions about travel insurance policies, please speak to someone at the company you’re buying the plan from.

Do You Need Travel Insurance for California Travel?

It depends on where you are traveling from; if you’re traveling from another country or state, travel insurance makes sense for unexpected adverse circumstances, like trip cancelation, lost luggage (it’s happened to me), medical emergencies, and other travel-related mishaps.

Furthermore, if you intend to engage in high-risk or adventurous activities during your travels, it is undeniably advantageous to obtain travel insurance that specifically caters to those activities.

California has so many destinations that offer outdoor activities making travel insurance essential for peace of mind. So, whether you’re skiing in Big Bear , surfing in Santa Barbara or rock climbing in Joshua Tree , or hiking in Temecula , make sure you add purchasing travel insurance to your California travel list.

best travel insurance for california

Top 3 best travel insurance companies.

There are hundreds of travel insurance companies, but I recommend and use only three when traveling. These three work well for any traveler except the last one, which works for people over a certain age, when travel insurance is not only smart but vital.

An acquaintance had a heart attack a week after he returned from a foreign country. Had that heart attack happened while he was traveling, insurance would have significantly helped.

Planning and buying the right insurance before your trip gives you ownership and empower you to imagine all the wonderful adventures you’ll have without worrying that you can’t cover the unexpected event life throws.

1. SafetyWing Travel Insurance

SafetyWing is  30% cheaper  than other bigger travel insurance providers! Check out the widget below for up-to-date rates and to get a quote. ⤺

SafetyWing is perfect for digital nomads like me who travel often and anyone who is a long-term traveler, with monthly policies starting at $42 per month. This is a great deal for peace of mind when you are away from home for extended travel.

SafetyWing offers several different insurance plans, including health insurance, travel insurance, and a combination of both.

2. World Nomads

Created by travelers, for travelers, this travel insurance is tailored to cater to the needs of adventurers.

With comprehensive coverage spanning over 150 activities, it safeguards against unforeseen circumstances such as emergency medical expenses, lost luggage, trip cancellation, and much more. The policies kick off at a mere $5 USD per day, making it an affordable and reliable choice for every traveler.

3. Insure My Trip

Insure My Trip is the Skyscanner of travel insurance.

It isn’t actually an insurance company but recommends plans and helps you compare prices to buy the plan that best suits your needs.

With Insure My Trip , you can compare plans from 23 different providers. It’s a great company for senior travelers since most providers on the service off coverage for those over 65. I like Insure My Trip because they offer “cancel for any reason” insurance, so if you cancel your trip for any reason, even ones not listed under standard policies, you’ll get a percentage of your trip back.

Now that you know my Top 3 picks for the best travel insurance, let’s take a deeper dive into all your options below.

I want you to have enough knowledge to pick the best travel insurance   policy  for you .

🚨 DISCLAIMER: ALWAYS READ THE FINE PRINT

When buying a travel insurance policy, take the time to read the fine print or call the company to make sure you’re OK with  all   aspects  of the policy, including your deductible.

BEST TRAVEL INSURANCE FOR CALIFORNIA

Best travel insurance for california (if you’re not from the us).

If you are traveling to California from another country and are not from the US, I recommend SafetyWing Travel Insurance to cover your health and travel related needs when you’re away from your home country.

Safety Wing: Digital Nomad Insurance

SafetyWing , a Norwegian startup based out of California, is specifically focused on remote workers and digital nomads. It’s a favorite of long-term travelers and digital nomads planning extended stays. Being in the travel blogging community, it’s what most of us use. It is the company I have used; it’s the best health insurance for general travelers and digital nomads.

Policies start at just $42 per month, which makes it no-brainer. Basic policies cover travel emergencies, basic medical costs, and medical expenses while you’re traveling, so you can visit with total peace of mind for very little money.

⛑️ G et your FREE SafetyWing quote now

Here’s a quick guide to SafetyWing:

• Claims can be made online
• Offers affordable monthly plans with a deductible
• Best for digital nomads and world travelers
• Up to 2 children under 10 per family (1 per adult) can be included on your plan free of charge
• Up to $5,000 for trip interruption (with no deductible)

Is SafetyWing Reliable?

Yes. Read their ratings on  Trustpilot  and  Product Hunt . 

It is easy to sign up and has no hidden binding periods. You get what you need at a reasonable price. Most importantly when I have needed to submit a claim they’ve been very easy to deal with and extremely helpful! Henrik – Trustpilot

Best General Travel Insurance

World nomad: standard plan.

When it comes to worldwide travel insurance, World Nomad is recommended by more travel companies (like Hostel World) and travel bloggers than any other insurance company.

What I like about World Nomad is they keep it simple with just two plans; the Standard Plan and the Explorer Plan. The Standard Plan is the standard minimum coverage, as the name suggests.

Depending on what you pay for, this plan includes a range of benefits, like medical assistance and overseas medical care, coverage for your belongings, pre-trip cancelation and a few adventure activities.

⛑️ G et your FREE World Nomad quote now

Best Insurance for Older Travelers

Insure my trip.

Insure My Trip isn’t an insurance company but aggregates in one-place insurance plans so you can choose the best one that suits your needs.

Compare plans from 23 different travel insurance companies in one spot that offers coverage for senior travelers since many of the providers on Insure My Trip offer coverage for those over 65.

They offer “cancel for any reason” insurance, so if you cancel your trip for any reason, even ones not listed under standard policies, you’ll get a percentage of your trip back, which is fantastic

Here’s a quick guide to Insure My Trip:

• Low-price aggregator
• Coverage for senior travelers over 65
• Compares travel insurance from 23 companies to ensure you get the best plan for your needs
• Accommodation coverage if quarantined at your destination
• Offers coverage for travelers on cruises
• Reviews each policy so you can see what other travelers are saying

⛑️ G et your FREE Insure My Trip quote now

best travel insurance in california

California covid information.

California has made significant progress in vaccinating its population. Although the State of Emergency is over, it’s essential to stay informed about vaccination rates and trends to ensure your safety.

Make sure to keep an eye on local  vaccination rates  and follow recommended guidelines.

Masking and Quarantine Requirements

As of this writing, California has  no masking or quarantine requirements . However, don’t be surprised if you see people wearing masks in California. You will. No one will pressure you to wear a mask, but I suggest wearing a mask in crowded places, especially the airport.

The airport is one of the highest-risk places to catch a cold, the flu, and Covid-19.

Read, Is California Safe , for more general information about traveling to the Golden State.

Best Travel Insurance in California: FAQs

Is travel insurance required for California?

No, travel insurance isn’t required in California, but you might want to consider purchasing travel insurance when traveling within and outside of California.

For example, if you’re driving in Los Angeles , the traffic and packed highways are tricky to navigate, so this would be a situation to have medical insurance just in case.

➜ Trip interruption : Travel insurance can provide coverage for expenses if an unexpected circumstance came up and you had to cut your trip short.

➜ Emergency medical evacuation : In the event that you require transportation to a medical facility for treatment, travel insurance can offer coverage for emergency medical evacuation.

➜ Lost or stolen luggage: Travel insurance can offer coverage for lost or stolen checked luggage, which is particularly significant when traveling with valuable or costly belongings.

However, it is essential to note that while travel insurance can offer valuable coverage, it may not encompass all circumstances. It is crucial to thoroughly review the entire policy, including its limitations, to ensure that the coverage aligns with your specific needs.

Who is the best company to get travel insurance?

World Nomads has the best Comprehensive Coverage, while SafetyWing and Insure My Trip offer the best rates and value.

How much does travel insurance typically cost?

On average, travelers should expect to pay  6.87% of their total trip cost  for travel insurance. The minimum you might expect to pay is 4.15%, but it can go as high as 15.8%. via NerdWallet.

Does travel insurance cover COVID while traveling?

To assess whether your insurance covers COVID-related incidents, it is necessary to have a clear understanding of the type of coverage you possess, the insurance provider you purchased it from, and the specific reason for your trip cancellation. Only then can you begin to determine the extent of your coverage.

How much is SafetyWing?

SafetyWing starts at $45.08 for four weeks for travelers of ages 18-39. It’s a 3rd of the cost of bigger insurance providers.

For seniors, check out Insure My Trip which compares plans from 23 different travel insurance companies in one spot that offers coverage for senior travelers since many of the providers on Insure My Trip offer coverage for those over 65.

Where is SafetyWing covered?

SafetyWing is covered in 180 countries and you can get limited coverage for your home country for up to 30 days every 3 months. You can also purchase it while you’re traveling. You can check if it’s covered in a certain country  here .

Are children included in a SafetyWing insurance plan?

Yes, children between the ages of 14 days to 10 years can be included in your insurance plan at no extra cost. Up to 1 child per adult or 2 per family can be included in the plan. 

Can you extend a SafetyWing insurance plan?

Yes, the insurance automatically extends every 28 days from your insurance start date until you choose an end date. 

Final Thoughts: Best Travel Insurance in California

No one anticipates encountering injuries while traveling, and in an ideal world, such incidents would never occur. However, we are well aware that reality is far from perfect. Safe and happy travels in California!

California Travel Planning Guide

🚑 should i buy travel insurance for california.

100% YES! – With basic coverage averaging $1.50 USD per day, enjoy peace of mind with a plan from SafetyWing , one of the biggest names in travel insurance. (Read more)

💦 Can you drink the water in California?

Yes — But I wouldn’t. It doesn’t taste very good, and there are contaminants in it. You’ll want to buy a Water-To-Go Bottle , which filters drinking water while on the go (traveling) and helps keep you hydrated.

🚙 Is it safe to rent a car in Californi a?

Yes — Renting a car in California is one of the best ways to explore this vast, awesome state, and kind of a must! I always rent with Discover Cars , which checks both international companies and local California companies, so you get the best rates. ( read more )

🏨 What’s the best way to book my California accommodations?

For California hotels, Booking is the best site, but for hostels, use Hostel World . If you’re considering a California Airbnb, don’t forget to also check VRBO, which has better rates than Airbnb.

🧳 What do I pack for California?

Head to the Ultimate California Packing List to get all the information you need about packing for a trip to California.

🛫 What’s the best site to buy airfare to California?

For finding cheap California flights, I recommend Skyscanner.

Jessica Iler is the founder of CA Girl Travels. She is a writer and entrepreneur working in the creator economy since 2016, building websites, writing for Medium.com, and helping others become writers. She is on a mission to help entrepreneurs make money online and travel the world while doing it.

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Lowest Prices.

You will find the lowest prices available for health care coverage. Based on your income and household size, you may also qualify for government discounts through the Affordable Care Act. Our rates cannot be beat.

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Types of Travel Health Insurances

Click below to get quotes on travel health insurance.

• California Health Insurance
• Supplemental Plans
• Travel Health Insurance

International Travel Medical Insurance and Short Term Insurance for Out-of-State Travel

To make the most of a trip, it’s a good idea to plan ahead. Consider including travel health insurance to your trip preparation, whether you’re traveling internationally or out-of-state. It’s added peace of mind for unplanned situations that may come up. With rates starting as low as $1 per day, cheap travel medical insurance is an affordable way to get insured while away. It’s easy to apply. Get a quote, complete the short application online and pay by credit card, and you’re on your way!

Short Term Health Insurance Coverage for Out-of-State Travel

When your travel takes you closer to home, consider getting short term health insurance while out-of-state. Coverage is temporary and basically covers major medical services, such as hospitalization, urgent care, and emergency room visits if they result in you getting admitted to the hospital. It does not cover medical services such as doctor visits, prescriptions, preventive services, or pre-existing conditions. For more information, click Short Term Health Insurance .

International Travel Health Insurance

Most anyone who is temporarily leaving their home country can benefit. International travel health insurance provides medical protection for American citizens leaving their country as well as for non-Americans while they are traveling in the U.S. Many types of travelers can apply and get international travel health insurance: newlyweds on honeymoon, people on missionary trips, business travelers and many more.

Note that international travel health insurance enrollment is not subject to medical underwriting, so you can’t be denied for pre-existing conditions; however, be aware that pre-existing conditions are not covered.

How does international medical insurance work?

Generally speaking, a travel medical insurance policy helps you with expenses for sudden and unexpected injury and illness while you are traveling outside of your home country. Emergency travel benefits also include some non-medical expenses, such as lost luggage, lodging replacement due to a natural disaster, or assistance with a return trip home due to a covered incident. If a covered incident was to come up, you would pay out of pocket until you reach the deductible amount, if applicable. After the deductible is satisfied, then, the insurance company will pay 80% of the next $5,000 of covered expenses. After that point, the international travel medical insurance carrier will pay 100% of covered expenses up to the overall maximum limit. The maximum coverage period for international travel insurance is 365 days for non-US citizens or residents traveling outside of the U.S. or U.S. Territories. For all other members, the maximum coverage period is 364 days. The minimum age to enroll is 14 days old. We offer international travel health insurance through HCC Travel Medical Insurance Services, which syndicates with Lloyd’s of London to offer international coverage. Their plan offerings allow you to customize the policy. You select the deductible size, coverage limit, and the policy period you want.

What does international travel health insurance cover?

Below are some common benefits on international travelers insurance. Note that restrictions apply and that this list is not all-inclusive.

• Hospital charges for inpatient and outpatient services.
• Urgent care in U.S. or Canada, providing it is not preventive or for a pre-existing condition.
• Prescriptions related to a covered injury or illness. The cost to replace existing prescriptions due to loss, stolen, damaged, or expired medicines is not covered.
• International Travel Medical Insurance covers health services rendered due to pregnancy complications.
• Medical costs for an emergency medical evacuation.
• Travel health insurance covers the return trip home if your trip is interrupted due to:
• The death of an immediate family member.
• Your home being severely destroyed.
• A medical necessity.
• Emergency dental services due to a covered accident.
• Medical expenses for illness or injury resulting from terrorism.
• Replacement accommodations if you are evacuated due to a natural disaster.
• Lost checked luggage.

What is not covered under international travel health insurance?

Again, this is not the whole list, but these are some of the main exclusions.

• Medical services for pre-existing health conditions.
• Traditional emergency room visits, unless you are admitted to the hospital.
• Routine or preventative services.
• Pre-natal care services.
• Costs that are over the usual, reasonable, and customary charges.
• Travel insurance benefits do not apply while an American citizen is traveling in a U.S. state or territory.

Can I cancel my travel health insurance?

Travel insurance can be cancelled. There is no cost if you cancel your travel insurance before the travel dates. If you request cancellation during the policy period, the premium will be pro-rated and a $25 cancellation fee added.

Note: If there is any discrepancy between the above information and the HCC policy provisions, the HCC policy provisions will prevail.

For more information on temporary coverage, click Short Term Health Insurance.

Not sure how Obamacare affects your health care plans in California? Learn how the ACA works in California, including benefits, costs and enrollment.

Covered California is the Golden State’s official health exchange marketplace where individuals, families and small businesses can find high-quality, low-cost California government health insurance.

Learn about Obamacare income guidelines in California using our income limits chart, and see if you’re eligible for government assistance.

Learn about the Covered California website. Find easy online enrollment. Set up your account, log in, buy insurance and more on the California health marketplace website.

• Popular US travel destinations

Travel insurance for California, Visitor Insurance California

Travel insurance quote form, do you want to insure trip cost as well as the health of the traveler, please click here to buy travel insurance for quarantine coverage, travel insurance with trip protection coverage - highlights, trip cancellation.

Reimbursement for loss of pre-paid, non-refundable payments.

Medical evacuation

Transportation to or between hospitals as needed.

Reimbursement of food and lodging expenses due to delay in travel.

Lost baggage

Pays sum for lost or delayed luggage by airline.

Medical expenses

Covers cost of treatment for sickness or injury during your vacation.

Travel medical insurance with no trip protection - Highlights

Health care expenses.

Covers medical costs for sickness or accidents during travel.

Doctor visit

Covers cost of clinic or doctor visit.

Pharmacy drugs

Expenses from doctor prescribed eligible medications.

Repat of remains

Return of moral remains to home country or local burial.

Travel Insurance for California

California - the golden state.

The largest US state, California, or simply CA attracts the brightest and best from around the world and from within the United States. Popularly known as the "Eldorado state" after the discovery of gold in 1848, it continues to attract entrepreneurs who excel in converting new ideas to products and services. Home to Silicon valley, CA is the center of innovation and latest technology trends along with several state of the art technology companies like Google, Tesla, Facebook, Apple and more...

While the cities of Los Angeles , San Francisco , Sacramento and San Diego need no introduction, even smaller towns like San Jose , Sunyvale, Irvine , Santa Clara, Palo Alto, Fremont, Mountain View and Milpitas are buzzing with creativity.

California is also a beautiful state, and attracts tourists for its natural beauty. Yosemite national park, Lake Tahoe, Death Valley National park, Sequoia and Kings canyon national parks, Redwood national parks, Big Sur and Joshua tree national park some of California’s famous nature attractions. California also has some incredible manmade tourist attractions. Notable among them are Disneyland, Seaworld in San Diego and Universal Studios Hollywood.

Vacationing in California is great fun, however it should be noted healthcare in California is prohibitively expensive. It is financially ruinous to go to a CA hospital without good California travel insurance. Tourists, visiting parents, family members and corporate travelers should ensure that they have good visitor insurance California for traveling in California.

How much does Visitor health Insurance USA cost?

What is the best travel insurance for usa, patriot america lite insurance comprehensive plan.

$50,000 - $1,000,000

• Ideal for Non US citizens outside their home country.
• $10,000 coverage per certificate period for travelers aged 80 years and above.
• Available for US citizens living outside USA but visiting the US.
• Patriot America Lite visitor visa insurance can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 24 continuous months.

Patriot America Lite Travel Brochure Links

Patriot america plus insurance comprehensive plan.

• Offers comprehensive medical insurance for non US citizens traveling individually or in groups to the USA.
• Purchase for a minimum of 5 days up to 364 days and can be renewed for maximum 2 years.
• Covers acute onset of pre-existing conditions till maximum limit up to 70 years.
• The plan offers a benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used (when the $0 deductible is selected.)
• This also offers optional riders provide additional coverage for a minimal charge.

Patriot America Plus brochure links

View Patriot America Plus insurance brochures in different languages:

Patriot Platinum Insurance Comprehensive plan

$2,000,000 - $8,000,000

• Ideal for US citizens and Non US citizens.
• $20,000 coverage per certificate period.
• Plan covers acute onset of pre existing condition up to the age of 70 for up to $1,000,000.
• Patriot Platinum America can be used by green card holders as long as they maintain a residence outside the US.

Visitors Protect Insurance Comprehensive plan

$50,000 - $2,50,000

• Availble for visitors traveling from their home country to the U.S., Canada, and Mexico.
• The plan offers temporary medical coverage with pre-existing conditions up to 99 years.
• Care Clix consultation is a new benefit under this plan where you can get access to a doctor by different means like a video chat , mobile app, phone... and consult about non emergency issues.
• Minimum purchase is 90 days.

Visitors Care Insurance Fixed Benefit plan

$25,000 - $1,00,000

• It is an affordable plan for visitors visiting the US. It is a fixed benefit insurance plan.
• This plan covers Acute onset of pre existing condition up to the age of 70 for a maximum starting from $25,000 up to $100,000 depending on the selected policy maximum.
• This plan is renewable for a maximum of 2 years unless there is a break in the coverage.

Safe Travels USA - Cost Saver Insurance Comprehensive plan

• Available for non U.S. residents and non U.S. citizens, traveling to the USA.
• Coverage may be extended, at the rates in force at the time of extension, for up to 364 days.
• The policy provides policy maximum options starting from $50,000 and provides coverage for $100,000, $250,000, $500,000, and $1,000,000
• This plan is available for green card holders.

Safe Travels USA Insurance Comprehensive plan

• Cheap travel medical insurance plan that covers Non-US Citizens and Non-US Residents while visiting the USA
• It offers comprehensive coverage for illness and accident and offer a Well Doctor Visit which pays up to $125.
• Covers Unexpected Recurrence of a Pre-Existing Condition up to 89 years.

Safe Travels USA Comprehensive Insurance Comprehensive plan

• Offers excellent medical coverage for Non-US Citizens and Non-US Residents while visiting the USA
• Covers Acute onset of pre-existing conditions up to 69 years the limit is up to the medical maximum and for any coverage related to cardiac disease, coverage is limited to $25,000.

Safe Travels Elite Insurance Fixed benefit plan

$25,000 - $175,000

• Available for non U.S. residents and non U.S. citizens, traveling to the USA
• Covers Acute onset of pre-existing conditions up to 89 years.
• Coverage for minimum 5 days to maximum up to 364 days

Atlas America Insurance Comprehensive plan

$50,000 - $2,000,000

• US travel Medical Insurance for Non-US Citizens traveling outside their home country.
• This plan offers coverage for Hospitalization, Prescription drugs, Trip cancellation, Trip Interruption, Travel delay and Evacuation and much more!
• It is an ideal visitor medical insurance for parents visiting USA.
• Eligible for coverage of acute onset of pre-existing conditions if you are younger than 80. This includes a $25,000 lifetime maximum for emergency medical evacuation.

Atlas Travel Insurance Brochure Links

Atlas premium insurance comprehensive plan.

• Plan is ideal for family, tourists, business persons, vacationers and adventure travelers.
• Provides coverage up to $50,000 and $1,00,000 70 to 79 year old travelers.
• Trip Interruption coverage available for up to $15,000 not subject to deductible.

VisitorSecure Insurance Fixed benefit plan

$50,000 - $130,000

• Available for people traveling to the US and abroad.
• Visitor Secure plan provides coverage for hospital room and board including miscellaneous. The price varies depending on the type of plan.
• Plan provides coverage for acute onset of pre-existing conditions up to the age of 70.
• This plan covers Inpatient and Outpatient treatment facilities and price varies between the types of plans.

Travel Medical Basic Insurance Comprehensive plan

• Available for Non US residents and citizens traveling to the US or to other countries.
• The maximum lifetime of the plan is 365 days and it can be renewed up to this time.
• The policy maximum for this comprehensive insurance starts from $50,000 and provides up to $5,000,000. For people above age 80 years, they get a policy maximum of $10,000.
• Covers acute onset of pre-existing conditions up to 79 years.
• Including USA
• Excluding USA

Travel Medical Choice Insurance Comprehensive plan

• Covers Acute onset of pre-exisiting conditions upto 79 years.
• The policy maximum for this comprehensive insurance starts from $50,000 and provides up to $5M. For people above age 80 years, they get a policy maximum of $10,000

Travel Medical USA Visitor Basic Insurance Fixed Benefit plan

$50,000 - $150,000

• Available for Non US citizens coming to the US.
• This is a fixed benefit insurance plan that provides a policy maximum of up to $150,000 for people below 70 years and for people above 70 years up to the age of 99 this policy can provide a policy maximum of up to $100,000
• Acute onset of pre-existing conditions is covered up to the age of 79 years. People below 70 years get $50,000 coverage and people above 70 years get $25,000 coverage for this benefit.

Travel Medical USA Visitor Choice Insurance Fixed Benefit plan

• Available also for Non US citizens coming to the US.
• Acute onset of pre-existing conditions is covered up to the age of 79 years. People below 70 years get $75,000 coverage and people above 70 years get $25,000 coverage for this benefit.

Diplomat America Insurance Comprehensive plan

• Available for Non Us citizens and Non US residents visiting the US.
• plan is available to the US citizens visiting US on business trips and vacation while living abroad. There is a requirement for a valid international address.
• Plan is not available for citizens of Australia and Iran.
• Covers pre-existing condition after 24 months of waiting period.

WorldMed Insurance Comprehensive plan

$500,000 - $2,000,000

• Available for people traveling outside their home country and is available to both US and Non US citizens.
• This plan covers acute onset of pre existing condition up to the age of 70.
• Deductible options are $0, $250, $500, $1000 and $2500.
• Accidental Death and Dismemberment coverage is available for $50,000.

Visit USA Insurance Fixed benefit plan

$50,000 - $250,000

• Available to Non-U.S. residents while visiting the U.S.
• Coverage is available for the main insured party and spouse, unmarried adult dependent children, or for children traveling alone.
• The policy maximum for accident and sickness medical coverage limits with Plan A is $50,000. For people above 80, the policy maximum is $20,000.
• The deductible options in Plan A and Plan B are $0, $50, $100 or $250 per incident.

Voyager Choice Insurance Comprehensive plan

• This plan avaiable for US residents travelling abroad
• Pre-existing Conditions Covered: No waiting period. US primary health plan required.
• Available from 1 day to 182 days
• Applicant's age must be under 95 years

Voyager Essential Insurance Comprehensive plan

• Pre-existing conditions covered with 180 days exclusion
• No US primary health plan required.

INF Safe Traveler USA Insurance Comprehensive plan

$150,000 - $300,000

• Provides coverage for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country
• This plan is not available to US residents and is only available to non-US residents.
• Sickness & Accident Plan with 80% in network coinsurance.
• Minimum purchase of 30 days is required for this plan.

INF Safe Traveler USA Brochure Links

• Description document age 0-69
• Description document age 70-99

INF Safe Traveler USA 90 Insurance Comprehensive plan

$150,000 - $3,000,000

• Covers 90% of elgibile medical expenses.

INF Safe Traveler USA 90 Brochure Links

Inf elite insurance comprehensive plan.

$150,000 - $1,000,000

• Coverage for Pre-Existing Conditions upto $1,000,000.
• Minimum purchase of 90 days required to buy this plan.

INF Elite Plan Travel Insurance Brochure Links

Inf premier insurance comprehensive plan.

$100,000 - $1,000,000

• Coverage for Pre-Existing Conditions to $1,000,000.
• Acute Onset treated like New Sickness.
• Covers age up to 99 Years.

INF Premier insurance brochures

Inf premier plus insurance comprehensive plan.

• Provides coverage for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country.
• Covers Full Pre-existing conditions up to 69 years.
• Plan provides policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 for age 0 to 69 years.

INF Elite 90 Insurance Comprehensive plan

• plan is available for Non-US Citizens.
• Minimum Enrolment should be 90 days to buy INF Elite 90 Plan.
• Covers Full Pre-existing conditions up to 99 years.

INF Elite 90 Plan Travel Insurance Brochure Links

Inf elite plus insurance comprehensive plan.

• Not Available to US residents and is only available to non-US residents.
• Acute onset is considered new sickness. 90% of eligible medical expenses.

INF Elite Plus Plan Travel Insurance Brochure Links

Inf standard insurance fixed benefit plan.

• Plan has a minimum purchase requirement of 30 days.
• Covers accident & sickness while traveling to USA, Canada, and Mexico.

INF Standard Plan Travel Insurance Brochure Links

Comprehensive plan.

Comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit. Comprehensive travel insurance is more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation.

Fixed Benefit plan

A fixed benefit travel insurance plan is the cheapest travel insurance plan option. It is affordable because it has a fixed limit of coverage for different medical benefits. Fixed benefit plans work well in case of small ailments but can be inadequate in the event of a serious medical ailment or hospitalization.

Factors to buy best travel medical insurance USA

Age of the traveler.

The cost of medical insurance for travelers is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Type of US travel health insurance

Comprehensive insurance provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.

Medical maximum coverage

The price of visitors insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Region of coverage

Travel insurance depends on the coverage region. The cost for visitor insurance for the United States is most expensive when compared to Europe or Asia.

Duration of travel insurance

The cost of trip insurance directly depends on the length of travel. The longer the duration of visitor medical insurance required, the higher will be the cost.

Any add on benefits

Additional add-on benefits to the basic insurance for tourist plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.

Visitors insurance with pre-existing conditions coverage for California

Many older travelers who are visiting California are likely to have pre-existing medical conditions. It is very important for senior citizens to buy good visitor medical insurance with best available coverage for pre-existing conditions.

While many travel medical insurance plans do not cover any pre-existing conditions, some visitor insurance plans provide coverage for acute onset of pre-existing conditions, while there are a couple of plans with coverage for pre-existing conditions.

"Acute onset of pre-existing conditions" refers to the condition which is severe enough to life or lifestyle such that it must be taken care of right away and cannot wait until returning to one’s home country. Senior citizens should understand these coverage definitions well and buy the most appropriate visitor medical insurance with pre-existing conditions for their unique needs.

Travel health insurance for foreigners in USA

Visitors insurance for seniors.

Visitor medical insurance for travelers above 60 years

Visitor medical insurance for travelers above 65 years

US Visitors insurance for travelers above 70 years

Visitor medical insurance for travelers above 75 years

Visitor health Insurance for travelers above 80 years

US Visitors insurance for travelers above 90 years

USA visa health insurance, Visitor visa health insurance USA

USA B1 visa health Insurance, B1 visa travel insurance for tourists.

B2 visa health insurance for tourists, B2 visa tourist insurance for USA.

F2 visa medical insurance for F1 visa dependents, F2 visa health insurance.

F1 visa student health insurance, International student insurance in USA.

J1 visa insurance for exchange scholars, J1 visa medical insurance.

Health insurance for green card holders, Green card health insurance.

Fiancée health insurance, K1 visa health insurance for fiancé on K1 visa.

H1B visa health insurance, Travel health insurance for H1B visa holders.

Travel insurance for tourists in USA, tourist insurance USA.

H4 visa health insurance, Health insurance H4 visa holders.

Student medical insurance for California

California is home to many universities and research centers which attracts a large number of international students. Given the high cost of health care in the United States, all international students should have proper student health insurance. Most California University student health insurance plans are prohibitively expensive, and to make it affordable to students, we offer similar student insurance plans which satisfy university requirements.

International student health insurance, Health insurance for J1 visa

J1 visa insurance.

Medical insurance plans that satisfy the J1 visa requirements for J1 visa holders.

J2 visa insurance

Health insurance coverage for these dependants of J1 visa holders.

New US Immigrant health insurance

The US authorities have made it mandatory for new US immigrants to have good US health insurance for the immigrant visa. The aim of this compulsory health insurance for immigrants is to reduce the burden on US hospitals and on US tax payers by uninsured new immigrants. American Visitor insurance offers immigrant health insurance which work well for prospective new US immigrants. After buying this insurance, customers will immediately receive the health insurance documents by email.

Customers can use this immigrant insurance document as proof of US health insurance while applying for the Immigrant visa. Given the very high cost of healthcare in the US, it is strongly recommended to buy medical insurance for new US immigrants.

New US immigrant insurance blogs

Us immigrant health insurance plans.

Compare popular US immigrant plans suitable for immigrants regardless whether permanently in the US or traveling out or waiting for Green Cards

Difference between visitors and immigrant Insurance

Find out the difference between US visitors insurance and new immigrant insurance. Compare and buy the best immigrant insurance for USA!

US Health insurance mandatory for new US immigrants

The US government has made it compulsory for new immigrants coming to the US to have proper US immigrant health insurance coverage.

Travel Insurance California, Tourist insurance California – FAQs

01.  how does find the best travel insurance for usa how to find the best international travel health insurance.

There are different factors for buying best health insurance for USA visitors. Visitors should compare fixed benefits and comprehensive visitor insurance plans. Foreign visitors to USA travel insurance customers should understand the concepts of deductibles and co-insurance and Pre-existing conditions travel health insurance. A prudent and well informed traveler will make the correct choice while buying tourist insurance in USA for his or her unique needs.

There are many international US travel health insurance plans for coverage both in the USA as well as around the world. Given the several international travel insurance options, it can be confusing to find the best health insurance for international travel. What is very useful in making this decision is to compare US visitor travel insurance available on American Visitor Insurance.

The compare US travel insurance tool allows travelers compare prices as well as coverage benefits in an objective manner. The traveler can change relevant factors like the medical maximum coverage and the deductible and coverage for pre-existing ailments or hazardous sports. After finding the best travel insurance for your needs, travelers can buy it by completing an online application and paying using a credit card. One completing the purchase the travel insurance plan is emailed to the customer.

02.  Why is travel insurance for USA so expensive?

There is no denying that travel insurance to USA is unfortunately very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs. One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance for USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

03.  What are the factors to consider for travel health insurance to USA?

The best travel insurance for USA depends these factors:

• The coverage for accident and sickness related medical expenses
• The coverage for medical and evacuation expenses
• The coverage for pre-existing conditions
• The deductible and co-payment options
• The network of hospitals and providers
• The customer service and claim process

04.  Which is the best travel insurance for California?

Excellent question and we try hard to find the best answer to this question! Given the unique needs of different travelers there is not one US travel insurance plan that is always the best for everyone. If you are a traveler with concerns about an existing medical conditions, then you will be looking at different plans as opposed to a different traveler without any life-threatening pre-existing condition. We endeavor to give our visitors as much information as possible so they can find the best travel insurance California. Our travel insurance quote comparison tool helps travelers compare different California medicare insurance plans based on price and coverage's in an objective manner. If you want some more guidance, our licensed agents are here to help you with your choice!

05.  Do I need travel insurance for California? Is visitor insurance mandatory for entry into California?

While there is no mandatory travel insurance requirement for California, it is very important to have the best travel insurance while visiting California. Healthcare in the US is very expensive and it is very risky to be uninsured in the country.

06.  How do I choose travel insurance?

You should choose the travel insurance policy based on what the traveler needs and his or her medical history. The important question is whether you need coverage for pre-existing medical conditions and what type of coverage you want for these conditions. American Visitor Insurance will help guide you to find and understand the policy that is just right for you or your visitor.

07.  Why do I need travel insurance for California?

Travel insurance provides coverage for unforeseen events and emergencies that may occur during your trip. In California, it can protect you financially against trip cancellations, medical emergencies, lost luggage, and other travel-related issues. US travel health insurance for California is important given the very high cost of healthcare in in the state.

08.  What does travel insurance typically cover in California?

The coverage can vary depending on the policy, but typical US travel insurance for California may include trip cancellation or interruption, medical expenses, emergency medical evacuation, baggage loss or delay, and travel delays.

09.  Does travel insurance cover pre-existing medical conditions in California?

Some travel insurance plans like INF travel insurance offer coverage for pre-existing medical conditions, while others may have limitations of coverage for acute onset of pre-existing conditions or exclusions for pre-existing conditions coverage. It is crucial to compare the different options on American Visitor Insurance and understand any restrictions related to pre-existing conditions.

10.  When should you buy travel insurance? Can I purchase travel insurance after arriving in California?

Ideally, you should buy your travel insurance once your travel dates are set. However, this is not always possible. Almost all policies can change dates (as long as they have not already started) or cancel them for a full refund should your plans change. Travel medical insurance for California is designed to be purchased before your trip begins. It may be possible to purchase insurance after arriving in California, however it is advisable to buy it in advance to ensure you have coverage from the start of your trip, as sickness that you have will be considered a pre-existing ailment if you buy the travel insurance after becoming sick.

11.  How do I choose the right travel insurance for California?

You should choose the travel insurance policy based on what the traveler needs and his or her medical history. The important question is whether you need coverage for pre-existing medical conditions and what type of coverage you want for these conditions. When selecting travel health insurance for California, consider factors such as your specific needs, the duration of your trip, the coverage limits and exclusions, the reputation of the insurance provider, and the cost of the policy. Comparing multiple US travel insurance plans for California on American Visitor Insurance can help you make an informed decision.

12.  Can I cancel my travel insurance for California and get a refund?

The cancellation and refund policies for travel insurance vary depending on the insurance provider and the specific terms of the policy. Most policies offer a pro-rata refund within a specified timeframe. Contact your insurance provider to inquire about their cancellation policy..

Visitor insurance for California

Travel insurance for USA resources Short term health insurance California resources.

Factors for vacation insurance Factors for the best vacation insurance in California.

Types of California tourist insurance online Different tourist insurance options.

California vacation insurance claims procedure Vacation insurance claims process.

California tourist insurance - Links

Temporary health insurance california faq, short term health insurance california blog, temporary health insurance california forum, find the best us visitor insurance coverage - blogs and articles, affordable travel insurance online.

Fixed benefit or scheduled benefit plans are the most affordable international travel insurance plans.

Best international travel insurance

International travel insurance plans covering pre-existing conditions which many older travelers look for.

Compare US travel insurance online

Compare quotes online for best travel insurance online, Fixed vs comprehensive travel insurance USA.

Advantages of buying travel insurance online

Compare and buy the best travel medical insurance plans online.

Buy cheap travel insurance

There are many cheap international insurance plans also known as visitor insurance plans.

How does travel insurance work?

Coinsurance & Deductible - How visitor travel insurance works.

Para clientes que hablan español - Seguro de salud para California en español

¿Está pensando en unas vacaciones en los Estados Unidos? No se olvide de protegerse con un seguro de salud en caso de enfermedad súbita o accidente. Los gastos médicos en los Estados Unidos pueden ser extraordinariamente altas. El uso de un plan de seguro estadounidense tiene muchas ventajas, incluiendo reembolso en dólares estadounidenses y pago directo al proveedor. Nuestras pólizas de seguro se pueden usar para cumplir los requisitos del visado Schengen para viajar a Europa. Simplemente lo compra por internet y puede imprimir una carta para el consulado unos minutos después. Saber más »

Información sobre seguros de EEUU

Consideraciones para su seguro médico, ¿como encontrar la mejor cobertura, categorías de seguro.

Seguro médico para viajeros a EE. UU.

Preexistente

Seguro con cobertura preexistente.

Viajar a Europa

Seguro para Schengen visa requisitos.

Estudiantes

Seguros Médicos para estudiantes.

California - General Information

California, often referred to as the "Golden State," is a diverse and dynamic destination located on the western coast of the United States. California is home to Hollywood as well as to the amazing cities of Los Angeles, San Francisco, San Diego and San Jose. It is the most populous state in the country and offers a wide array of attractions, from stunning natural landscapes to bustling cities and iconic landmarks. California is a hub of cultural diversity and innovation, with a rich blend of influences from around the world. When planning your trip to California, it is essential to buy the best travel insurance to protect your health and your vacation expenses.

Popular tourist destinations in California

Yosemite National Park

Tunnel View is an overlook where visitors can enjoy amazing views of El Capital, Bridalveil Falls and the gorgeous Yosemite Valley.

Golden Gate Bridge

The Golden Gate Bridge near San Francisco is one of the most visited tourist attractions in California.

Lake Tahoe is surrounded by majestic mountains, this popular tourist attraction offers exciting events and activities all year around.

Venice Beach

Venice Beach is one of Los Angeles, most popular beaches. The sandy three-mile beach here is just one of the attractions.

Popular tourist destination cities in California

Los Angeles

Santa Barbara

San Francisco

Trip cancellation insurance for Non US residents

Us domestic travel insurance, domestic travel insurance for your trip in the usa.

Irrespective of whether you are traveling within the US or overseas, US travelers should have good insurance coverage for traveling. US citizens traveling within the USA can buy US travel insurance if they are going more than 100 miles from their primary residence. This insurance for travel is ideal both within the state as well as out of state.

Delayed flights due to inclement weather, crowded airports, increased security checks as well as loss of baggage or baggage delays are common. Unexpected travel or medical emergencies resulting in missed flights, hotel reservations as well need for medical evacuation to a good healthcare facility can happen while traveling outside one's familiar environment.

The financial loss due to these situations can be significant, especially if it involves an expensive planned vacation with airline tickets, hotel bookings or cruise booking. There are other situations beyond the control of traveler and the traveler is forced to change his or her travel plans. This can be due to the health of the traveler or that of an immediate family member or other work related conditions. These situations are also covered by Travel insurance with the cancel for any reason coverage benefit.

Along with disruption to travel plans, there is also the health of the traveler during the journey itself. An accident or an unanticipated health emergency while traveling will be covered by travel insurance even if one has regular health insurance. The best domestic travel insurance USA can be the secondary insurance and in some instances be the primary insurance and ensure that the travelers expenses is minimised.

American traveler insurance including trip cancellation coverage

US citizens should consider buying travel insurance especially if traveling outside their home state. The travel insurance plans are designed for US vacationers with coverage for insuring the health of the traveler as well the trip expenses cost. Some examples of coverage benefits are trip cancellation, trip delay, Covid quarantine travel insurance , medical evacuation, injury of family member, travel companion or pet, theft of passport, traffic accident, inclement weather resulting in delay or cancellation of common carrier.

• Non refundable cost of the trip.
• Unexpected medical expenses of the traveler.
• Loss or damage to the insured’s possessions.

Following are the trip insurance plans:

IMG Trip insurance

The travel insurance offered by IMG is a three-tiered series of plans: Travel Lite , Travel SE and Travel LX . These plans offer coverage for unexpected medical expenses dues to accident or sickness as well as insure your trip expense investment in case of a trip cancellation or delay.

Travel LX insurance has 'Cancel for any reason' benefit included and provides coverage up to $100,000. The Travel SE and Travel LX plans offer Trip Delay benefit up a maximum of $2,000 per person and $2,500 per person respectively which satisfy many countries Covid travel insurance quarantine requirements.

Safe Travels Trip protection insurance

Safe Travels Trip protection insurance plans for trip cancellation expenses from Trawick International offer coverage for non refundable trip expenses incurred when a trip is cancelled. These are popular plans for trip related expenses.

The Safe Travels First Class Trip Protection , Safe Travels Voyager insurance and SafeTravels Armor have an optional benefit that is the ' Cancel for any Reason ' which is available as a rider at an additional cost.

The Safe Travels Voyager insurance and Safe travels Explorer insurance is quite popular as it offers Covid19 quarantine accommodation coverage.

Trip Protector Preferred insurance

• Available for US citizens and residents traveling outside the United States
• Includes $2000 in travel delay benefits for Covid quarantine/lodging.
• Trip cancellation up to $50,000/Trip interruption up to 200% of trip cost
• Offers $500,000 medical for sickness and injury/$1,000,000 medical transportation

Seven Corners Trip Protection Insurance Plans

The Trip Protection Series by Seven Corners offers plans with good, better, best plan with Trip Protection Basic and Trip Protection Choice . There is an additional cost for the number of days which exceed 30 days, but you can have a trip last up to 180 days.

Trip Protection Elite from Seven Corners offers cancel for any reason for residents of Missouri, New York, Pennsylvania and Washington travelling in the United States /internationally. you can have a trip last up to 90 days.

There is also the optional coverage for loss of ski days and equipment and lost golf rounds and rental. Note that insuring a trip for $0 to $500 gives the same, lowest rate available.

Travel Insurance Services Trip Protection Insurance Plans

Travel Insurance Select Insurance and Trip Care Complete Insurance from Travel Insurance Services, offers choice of three options to meet your needs and budget: Elite, Plus, and Basic. These plans includes coverage for trip cancellation, trip interruption, trip delay, medical expense, emergency evacuation, and baggage loss/delay coverage. Each option includes different features, benefits, and coverage limits.

Travel Insurance Select Plus and Elite plans offers "Optional cancel for any reason benefit" if purchased within 21 days of the date initial payment/deposit is received. (not available to residents of NY) and Trip Care Complete Insurance also offers "Optional cancel for any reason benefit" up to 75% of Trip Cost.

International travel health insurance from USA

Trip cancellation insurance.

Travel insurance for trip cancellation, baggage delay, trip interruption, unexpected medical expenses traveller and related emergencies.

Cancel for any reason(CFAR)

Optional benefit offered by travel insurance protects some insured trip costs for cancellation of trip due to any reason.

Rental car collision

Travel insurance for rental car if it is stolen or damaged due to collision, theft, vandalism, natural disaster, or a cause beyond your control.

US citizen annual travel insurance

US citizens and resident who are business people and working professionals travel overseas quite often and it is good to have international travel insurance.

How much does travel insurance for your trip in the USA cost?

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Traveling long distances has many unexpected and accidental incidents that need to be taken care in a professional manner in order to have an enjoyable experience. US travel Insurance very important while traveling which takes care of medical expenses due to sudden sickness or injury. In the US healthcare is closely linked to insurance coverage. US travel health insurance providers have preferred provider networks and the hospital billing is much lower for insured patients when compared to uninsured patients. Having the best US traveler insurance reduces hospital bill along with paying for the outrageous cost of healthcare in the US.

US travel insurance plans can also insure trip expenses along with insuring the health of the traveler. Trip cancellation Insurance cover trip cancellation, trip interruption, travel delay, loss of luggage, baggage delay... Cancel for any reason insurance is an additional benefit available which will refund 75% of the trip cost in case of trip cancellation if the traveler cancels the trip for any reason. These benefits are very useful for traveler who are not sure of their travel schedules so that they should do not need to lose their travel investment if they do not travel.

Long term Europe Insurance for US citizens

US citizens from California visiting Europe for more than 90 days are required by Schengen state consulates to buy Long term Europe travel insurance with a minimum of 30,000 Euros medical coverage for the Long term Europe travel visa. However, given that healthcare in Europe is expensive, and that US domestic health insurance and US Medicare plans offer little coverage outside US borders, it is recommended for US citizens traveling from California to buy proper Europe travel insurance even for short visits to Europe. Get quote »

Travel Insurance for US senior citizens on Medicare travelling abroad

US senior citizens having Medicare and travelling overseas from California need to be aware of the limited to no coverage by their health insurance outside US national borders. Older travelers are therefore advised to buy Medicare supplemental travel medical insurance to cover unexpected expenses from emergency sickness or injuries outside USA.

Cost of travel insurance

Factors to consider while buying travel insurance, trip cancellation.

Cost of travel medical insurance

Factors to consider while buying visitor travel medical insurance.

Annual travel insurance

Annual travel insurance (Multi trip insurance) for travel within USA

Travel insure - voyager annual insurance.

• Take an unlimited number of Covered Trips during the 364 day Policy period
• Covers domestic and international trips - up to 90 days each
• Offers two plan levels namely Silver and Gold offer options for different needs and budgets
• Provides coverage for Emergency Accident and Sickness, Emergency Medical Evacuation, Baggage & Personal Effects, Baggage Delay, and Accidental Death and Dismemberment.
• The Gold plan includes additional benefits like Trip Interruption and Political Natural Disaster Evacuation

Annual travel insurance for travel outside USA - Annual travel insurance for US Business travelers

Travel insurance for mexico from california.

It is very easy to travel to Mexico from California. While flying to Mexico from Phoenix is always an option, there are also several land crossings from California to Sonora, Mexico.

There are land crossings from California to Sonora, the notable ones being at San Luis, Lukeville, Sasabe, Nogales, Naco and Douglas. While travel from California to Mexico is fairly easy, travelers to Mexico should purchase proper international travel health insurance.

US Medicare and domestic US health insurance plans provide little cover for international travelers outside of US borders. Business travelers who cross US national borders regularly can buy the Annual travel insurance plan, which covers the traveler for a whole year with time limits for each trip depending on the plan purchased.

Overseas travel insurance for US residents

Best travel insurance for cruises.

Going on a cruise vacation is truly exciting, however one must take suitable action to ensure that the cruise vacation is not a disappointment. Vacationers are likely to book for the cruise well in advance of the actual travel dates, and it is possible that one is not able to make the cruise as planned.

Best Cruise trip insurance ensures that vacationers can vacation investment should there be a disruption and one cannot make the cruise. Most cruises offers Cruise protection, but that is not the same as trip insurance for cruises.

A cruise protection usually gives vouchers for the traveler if they miss the cruise, but getting money back is not the norm, which is what trip insurance for cruises offer.

Cruise Holiday Insurance

Cruise tourist insurance for pre-existing conditions, popular outbound destination among california travelers, trip insurance vs travel health coverage vs global medical insurance.

Confused whether to buy trip, travel or global health insurance? Understand the differences!

Schengen visa insurance for California residents traveling to Europe

Since US domestic insurance has little coverage in Europe, it is important to buy proper visitors insurance while visiting Europe. We have Europe travel health insurance specific to your needs.

Schengen visa document

Satisfy Schengen visa requirements for less than 90 days and for long term stay of more than 90 days in Europe.

Travel health insurance

Travel medical insurance that will cover medical expenses and hospital bills of the visitor in Europe.

Trip protection insurance

Travel health insurance that covers trip cancellation and other vacation related medical expenses.

Best international medical insurance

Travel insurance - pre-existing conditions coverage.

Compare and buy best pre-existing plans

International travel insurance resources

Compare and buy international travel insurance USA

Resources for US air travelers

Information about US mobile passport control and TSA pre check for US passport holders.

Famous destinations in USA

01. famous museums as travel destinations in usa, 02. popular national park destinations in usa, 03. top nature destinations in usa, 04. top snowbird tourism destinations in usa, 05. popular golfing vacation destinations in usa, 06. best amusement parks in the usa, 07. list of casinos in usa, 08. best shopping malls in usa, 09. top ski resorts in usa, 10. top sea resorts in usa, us visitors insurance providers.

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

More tourist medical insurance usa categories

Compare Visitors insurance USA

USA New immigrant Insurance

US visa health insurance

Senior Citizen travel insurance

Pre-existing visitors insurance

J1 Visa health insurance

International student Insurance

Green Card medical insurance

International Medical Insurance

Cruises Travel Insurance

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, california travel insurance.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

Before you buy travel insurance for your holiday to California, there are a few things to think about:

• The cost of your trip – if you have to cancel, it’s important to know that you can get your money back
• The activities you’re likely to be doing – if you’re planning anything really extreme, we can offer you extra cover with our  extreme sports policy
• How much medical coverage you have – no one wants to think about getting ill or having an accident abroad but, unfortunately, it does happen
• And don’t forget to check the  latest travel advice for California from the FCDO

If you’re up to anything particularly adventurous such as  kite surfing  we have  extreme sports cover  as an add-on. We also offer travel insurance for medical conditions  and have  no upper age limit , so get in touch today or simply  get a quote online .

Our Coronavirus Travel Insurance is rated Superior by a leading UK Consumer Champion. All of our policies will cover you if you catch Coronavirus.

What’s covered with travel insurance to California?

As standard, our policies cover  over 100 sports and activities , so you can get up to more on your holiday. We also offer a range of benefits, some of which include:

• Medical expenses and hospital benefit
• Personal accident and liability
• Cancelling and cutting short your holiday
• Abandoning your trip
• Delayed departure
• Accommodation cover
• Personal belongings and baggage
• Personal money, passport and travel documents
• Legal expenses

To help you have the best holiday experience, we’ve put together some useful information that we think you’ll want to know before your trip to California.

Surfing travel insurance for California

Whether it’s your first-time surfing or you’re an experienced surfer searching for the next big wave, you probably don’t want to spend too much time thinking about  travel insurance  for your trip to California.

Luckily for you, you’ve come to right place. Surfing is covered as standard under all our policies, and we make getting insurance as quick and simple as possible, so you can get on with planning your trip to California. Check out our  surfing travel insurance  page for more information and remember that, if you’re taking your own board away with you, you might need to add extra valuables cover to your policy.

Do I need a visa for California?

If you have a valid passport, then you should be able to get an Electronic System for Travel Authorisation (ESTA) through the Visa Waiver Programme. An ESTA allows you to travel to California for up to 90 days.

Find more information about  travelling to California here .

Healthcare in California

Healthcare in the USA is of a comparable standard to the UK, so repatriation shouldn’t be a huge concern – unless you are unable to continue your trip. The most important thing to be aware of is the extremely high cost of healthcare in the States, and to ensure you have adequate US travel insurance to cover any potential medical bills.

If you have a medical emergency whilst in California, dial 911 and ask for an ambulance. Be sure to contact your insurance provider as soon as possible; our medical emergency numbers are available 24-7. Some US hospitals may ask non-US citizens to pay a deposit upon admittance, so make sure you have available funds in case you need to pay out-of-pocket initially.

Find more information about  healthcare in California here .

Medical & Emergency Assistance in California

If something happens while you’re in California and you need emergency treatment for an illness or injury, we’re here to help.

All travel insurance policyholders have access to our 24-hour medical assistance team .

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

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Travel Insurance

Best travel insurance companies of May 2024

Amy Fontinelle

Heidi Gollub

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

Updated 9:48 a.m. UTC May 1, 2024

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WorldTrips is the best travel insurance company of 2024 , based on our in-depth analysis of travel insurance policies. Its Atlas Journey Preferred and Atlas Journey Premier plans get 5 stars in our rating because of the extensive coverage they provide for the price. Both plans come with high limits for important benefits such as emergency medical and evacuation, travel delay and missed connections. WorldTrips travel insurance also offers a pre-existing medical condition exclusion waiver if you buy a plan within 21 days of making your first trip deposit.

Best travel insurance of 2024

Why trust our travel insurance experts

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

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

Travel insurance quotes comparison

Best travel insurance companies, best travel insurance.

Top travel insurance plans

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

If you’re looking for the best travel insurance for international travel, WorldTrips has two top-rated travel insurance plans in our rating:

• Atlas Journey Preferred provides $100,000 per person in emergency medical benefits as secondary coverage, with the option to upgrade to primary coverage. Primary coverage means you don’t have to first file a medical claim with your health insurance company. Atlas Journey Preferred is also the best travel insurance for cruises with $1 million in coverage for emergency evacuation.
• Atlas Journey Premier costs more but gives you $150,000 in travel medical insurance with primary coverage. This plan is a good option if health insurance for international travel is a priority. It also has $1 million in emergency evacuation coverage.

Pros and cons

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

Customer reviews

WorldTrips has a rating of 4.27 stars out of 5 on Squaremouth, based on 411 reviews of policies purchased through the travel insurance comparison site since 2008.

Best travel insurance for emergency evacuation

Travel insured international.

Top travel insurance plan

If you’re traveling to a remote area, consider Travel Insured International’s Worldwide Trip Protector. It has the best travel insurance for emergency evacuation of travel insurance policies in our rating. This top travel insurance plan provides up to $1 million in emergency evacuation coverage per person and $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits.

• Only plan in our rating that offers $150,000 in non-medical evacuation coverage.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person is only available for cruises and tours.

Travel Insured International has a rating of 4.39 stars out of 5 on Squaremouth, based on 3,402 reviews of policies purchased on the travel insurance comparison site since 2004.

Best travel insurance for missed connections

If you’re looking for good travel insurance for missed connections , it’s worth considering TravelSafe. Its Classic plan includes $2,500 in missed connection coverage for each person on the plan. Some travel insurance companies only provide missed connection coverage for cruises and tours, but TravelSafe doesn’t impose that restriction.

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

TravelSafe has a rating of 4.3 stars out of 5 on Squaremouth, based on 1,506 reviews of policies purchased on the travel insurance comparison site since 2004.

Best trip insurance for traveling with a pet

Go Ready Choice by Aegis has the most affordable travel insurance of the best-rated travel insurance companies in our rating. It’s also the best trip insurance for pet parents , with an optional Pet Bundle add-on that includes pet medical, pet kennel and pet return benefits.

• Cheapest of our best trip insurance plans.
• Optional pet bundle adds pet medical expense and pet return benefits.
• Low emergency medical and evacuation limits.
• Low missed connection benefit of $500 per person for cruises and tours only.
• Low baggage and personal items loss benefit of $500 per person.

Aegis has a rating of 4.06 stars out of 5 on Squaremouth, based on 1,111 reviews of policies purchased on the travel insurance comparison site since 2013.

Best travel insurance for families

Top-scoring plan

Travelex Insurance Services has the best travel insurance for families because you can add kids aged 17 and younger to your Travel Select plan at no additional charge.

• Free coverage for children 17 and under on the same policy.
• Robust travel delay coverage of $2,000 per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Low emergency medical coverage of $50,000 per person.
• Non-medical evacuation is not included.
• Low baggage delay coverage of $200 requires a 12-hour delay.

Travelex has a rating of 4.43 stars out of 5 on Squaremouth, based on 2,048 reviews of policies purchased on the travel insurance comparison site since 2004.

Best travel insurance for add-on coverage options

Travel Guard Preferred from AIG allows you to customize your policy with a host of available upgrades, making it the best traveler insurance for add-on options . These include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings.

There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million. This is a good option if you’re looking for foreign travel health insurance.

See our full AIG travel insurance review

• Bundle upgrades allow you to customize your travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best travel insurance for cruise itinerary changes

Nationwide’s Cruise Choice plan is good travel insurance for cruises . It has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion.

Cruise Choice also has a missed connections benefit of $1,500 per person after only a 3-hour delay when you’re taking a cruise or tour. But note that this coverage is secondary coverage to any compensation provided by a common carrier.

• Benefits for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Missed connection coverage of $1,500 per person for tours and cruises, after a 3-hour delay.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” upgrade available.

Nationwide has a rating of 4.02 stars out of 5 on Squaremouth, based on 570 reviews of policies purchased on the travel insurance comparison site since 2018.

What is the best travel insurance?

The best travel insurance for international travel is sold by WorldTrips, according to our in-depth trip insurance comparison.

The best travel insurance plan for you will depend on the trip you are planning and the coverage areas that are most important to you.

• Best cruise travel insurance
• Best COVID travel insurance
• Best “Cancel for any reason” travel insurance
• Best senior travel insurance

Best travel insurance for cruises

The best cruise travel insurance is Atlas Journey Preferred sold by WorldTrips . This plan offers solid travel insurance for cruises for a low rate.

Via TravelInsurance.com’s website

Best travel insurance for COVID-19

The best COVID travel insurance is the Trip Protection Basic plan sold by Seven Corners . It is a relatively low cost travel insurance plan with optional “cancel for any reason” coverage that reimburses up to 75% of your prepaid, nonrefundable trip expenses.

Best travel insurance for “cancel for any reason” 

The best “cancel for any reason” (CFAR) travel insurance is Seven Corners’ Trip Protection Basic. Adding CFAR coverage to a RoundTrip Basic plan only increases the cost by about 40%, which is lower than other plans we analyzed. For the extra cost, you get coverage of 75% of your prepaid, nonrefundable trip expenses, as long as you cancel at least 48 hours before your scheduled departure.

Best travel insurance for seniors

The best senior travel insurance is the Gold plan sold by Tin Leg . It is an affordable travel insurance plan with travel medical primary coverage of $500,000 and a pre-existing conditions waiver if you insure the full amount of your trip within 14 days of your first trip deposit.

How much is travel insurance?

The average cost of travel insurance is 5% to 6% of your prepaid, nonrefundable trip costs . 

How much you pay for travel insurance will depend on:

• The cost of your trip.
• Your destination.
• The length of your trip. 
• The ages of travelers being insured.
• Your state of residence.
• The travel insurance policy you choose.
• The total coverage amounts in your policy.
• Any travel insurance add-ons you select. 

Here are average travel insurance rates for a 30-year-old female who is insuring a 14-day trip to Mexico.

Looking to save? Discover cheap travel insurance options.

How much travel insurance should I buy?

Travel insurance companies typically offer several plans with varying maximum limits. The higher the coverage limits, the more you’ll pay for travel insurance. 

Squaremouth, a travel insurance comparison site, recommends the following coverage limits for international travel: 

• Emergency medical coverage: At least $50,000. 
• Medical evacuation coverage: At least $100,000. 

If you’re going on a cruise, or to a remote location, Squaremouth recommends: 

• Emergency medical coverage: At least $100,000. 
• Medical evacuation coverage: At least $250,000.

When evaluating travel insurance plans, our team of insurance analysts considered the best medical travel insurance policies to have at least $250,000 in emergency medical coverage and at least $500,000 in medical evacuation coverage. 

When should I buy travel insurance?

The best time to buy travel insurance is within two weeks of making your first nonrefundable travel payment, whether it’s for a plane ticket, hotel stay, cruise or excursion. 

Travel insurance costs the same whether you buy it early or last minute, and buying it early has added benefits: 

• You may be able to add on “ cancel for any reason” (CFAR) coverage , an upgrade that is typically only available for a limited time after you’ve started paying for your trip. 
• You may qualify for a pre-existing medical conditions exclusion waiver, meaning your pre-existing conditions will be covered by travel insurance. This waiver is generally added to your policy automatically, provided you buy the travel insurance within a certain window after your first trip deposit.
• You will be covered over a longer period of time for unforeseen events that could cause you to cancel your trip, such as medical emergencies, inclement weather and natural disasters. 

Expert tip: You can buy travel insurance up to the day before you leave on your trip, but waiting may cost you the opportunity to qualify for a pre-existing conditions exclusion waiver or to buy a “cancel for any reason” upgrade.

Where can I buy travel insurance?

You can buy a travel insurance plan:

• Online. Visit a travel insurance company’s website to buy a policy directly or use a comparison website like Squaremouth or Travelinsurance.com to see your options and compare plans. You may also be able to purchase travel insurance online through an airline, cruise, hotel, rental car company or other provider you book a ticket with.
• In person. A travel agent or insurance agent may be able to assist you in buying travel insurance.

Travel insurance trends in 2024

Americans are changing the way they travel and this includes buying travel insurance when they might have skipped it in the past. As spending on trips continues to rise , travelers have more to lose if their plans are disrupted. 

Based on travel insurance quote requests on the Squaremouth website last month, these are the main benefits travelers are looking for in a travel insurance policy.

*Source: Squaremouth.com. Travel insurance quote filter usage from March 24 to April 23, 2024.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

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

• $3,000, 8-day trip to Mexico for two travelers age 30.
• $3,000, 8-day trip to Mexico for two travelers age 70.
• $6,000, 17-day trip to Italy for two travelers age 40.
• $6,000, 17-day trip to Italy for two travelers age 65.
• $15,000, 17-day trip to Italy for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to France for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to the U.K. for four travelers ages 40, 40, 10 and 7.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

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

Best travel insurance FAQs

According to our analysis, WorldTrips has the best trip insurance. Two of its plans — Atlas Journey Preferred and Atlas Journey Premier — get 5 stars in our rating.

The best travel insurance policy for you will depend on what type of coverage you need. With so many different policies and carriers, the policy that was best for your friend’s trip to California might not be ideal for your trip to Japan. If you’re looking for the best travel insurance for international travel, you may be willing to pay more for higher coverage levels.

A comprehensive travel insurance plan bundles several types of travel insurance coverage, each with its own limits. To ensure you have adequate financial protection for your trip, your travel insurance policy should include the following travel insurance coverages:

• Trip cancellation . With trip cancellation insurance , you’re covered if you need to call off your trip because of a reason listed in your policy, such as unexpected illness, injury or death of you, a family member or a travel companion, severe weather, jury duty and your travel supplier going out of business. 
• Travel delay. Once your trip has started, travel delay insurance reimburses you for unexpected expenses you incur after a minimum delay, such as five hours. It can cover needs like airport meals, transportation and even overnight accommodation. 
• Trip interruption. If you need to cut your trip early for a reason listed in your policy, trip interruption insurance can reimburse you for any prepaid, nonrefundable payments you’ll lose by leaving early. It can also pay for a last-minute one-way ticket home. 
• Travel medical . Emergency medical benefits are especially important if you need international health insurance for travel outside of the country. Your domestic health insurance may provide limited coverage once you leave the U.S. The best travel medical insurance pays for ambulance service, doctor visits, hospital stays, X-rays, lab work and prescription medication you may require while traveling. 
• Emergency medical evacuation. If you’re traveling to a remote area, or planning excursions such as boating to an island, emergency medical evacuation coverage is a good idea. This coverage pays to transport you to the nearest adequate medical facility if you are injured or sick while traveling. 
• Baggage delay. After a certain waiting period, such as six or 12 hours, this coverage will reimburse you for necessities you need to buy to tide you over while you wait for your bag to arrive. Be sure to save your receipts and look at your coverage limit, as some caps are low, like $200. 
• Baggage loss. Baggage insurance can reimburse you if your bag never arrives, or if your personal belongings are stolen during your travels. Coverage limits apply here, as well as exclusions for certain items such as electronics.  

“Typically, travelers are expected to pay their expenses out of pocket, and then file a claim for reimbursement,” said James Clark, spokesperson for Squaremouth. “However, there are medical situations in which a provider may be required to pre-authorize payment to make sure the policyholder receives the treatment they need.”

According to Clark, “Providers can pre-authorize payment for medical care and emergency evacuations. With that said, every circumstance is unique, and providers will handle each situation on a case-by-case basis.”

Travel insurance covers your prepaid, nonrefundable trip costs — as well as extra money you may need to spend due to unforeseen circumstances and emergencies — both before and during your trip.

Travel insurance coverage varies by plan, but in general travel insurance covers costs associated with these problems: 

• Bankruptcy of a travel insurance company, such as your airline or tour operator. 
• Dangerous weather conditions.
• Delayed and lost luggage.
• Illness or death in your family that requires you to stay home or cut your trip short.
• Illness that needs medical attention.
• Injury requiring medical evacuation.
• Jury duty. 
• Travel delays and missed connections.
• Theft of your personal belongings while traveling.
• Unexpected job loss. 

Travel insurance policies often exclude or limit “foreseeable” losses. Typical travel insurance exclusions include:

• Accidents or injuries caused by drinking or drug use.
• Canceling your trip because you changed your mind.
• Ending your trip early because you changed your mind.
• Losses caused by intentional self harm, including suicide.
• Losses due to war, civil disorder or riots.
• Medical tourism.
• Medical treatment for pre-existing conditions.
• Mental health care.
• Natural disasters that begin before you buy travel insurance.
• Non-medical evacuation.
• Normal pregnancy. 
• Medical treatment related to high-risk activities.
• Routine medical care, such as physicals or dental care.
• Search and rescue.

Your U.S. health insurance may provide little or no coverage in foreign countries. Check with your health insurance company to see if you have any global benefits and ask how they work. If your health care does extend across the border, the benefits it provides abroad may not be the same benefits it provides domestically. 

Medicare usually won’t pay for health care outside of the United States and its territories, so older travelers planning an international trip should look into the best senior travel insurance with robust medical benefits. 

The best time to buy travel insurance is immediately after booking your trip and making a nonrefundable payment — in other words, as soon as you’re at risk of losing money. This way, you’ll know the total cost that you need to insure and you’ll have the longest window to take advantage of your policy’s benefits if something goes wrong.

You can’t wait until something goes wrong and then buy travel insurance to get reimbursed for your loss. Travel insurance only covers unexpected losses.

Travel insurance companies can decline to cover travel to certain countries. For example, you may find that some trip insurance companies don’t offer coverage to countries with a Level 4: Do Not Travel advisory from the U.S. State Department. 

Travel insurance policies also frequently exclude certain risks that you’re more likely to encounter in Level 4 or Level 3 countries. For example, your policy may not cover losses related to declared or undeclared wars or acts of war or losses related to known or foreseeable conditions or events. 

Some credit cards , such as the Chase Sapphire Preferred® Card , offer benefits such as trip cancellation and interruption insurance, baggage delay insurance and trip delay reimbursement when you use your card to pay for your trip.

Ask your credit card issuer for your card’s benefits guide to see what coverage you may have. Keep in mind that it may not cover all the risks you want to protect against, such as the cost of international health care or emergency medical evacuation .

Business travel insurance makes sense if you are self-employed and paying for your own travel expenses, or if you are traveling internationally and want medical coverage abroad.

You might also consider buying travel insurance for a business trip if your company won’t cover extra expenses if your flight is delayed or you need to head home early.

Cruise travel insurance can help protect you financially if you need emergency medical care in a remote location, or if a delayed flight causes you to miss embarkation and you need to pay extra to catch up to your cruise.

Experts caution that travel insurance you buy through a cruise line may not be as comprehensive as plans you can buy directly from travel insurance companies.

Some travel insurance plans cover rental cars as an optional upgrade, for an additional cost. The 5-star rated travel insurance companies in our rating offer these optional rental car benefits:

• Travel Insured International — Rental car damage and theft coverage of $50,000.
• WorldTrips — Rental car damage and theft coverage of $50,000 with a $250 deductible. 

Travel insurance typically only covers a single trip, although your insured trip can have multiple destinations. 

If you’re looking to insure several trips in the same year, annual travel insurance may be a good option for you.

Travel insurance may be required, depending on the country you plan to visit. But it’s smart to consider buying a travel insurance policy for international travel, even when it is not required. A good travel insurance policy can protect you financially if you need emergency medical assistance when traveling, or if you need to cut your trip short and buy a last-minute plane ticket home because an immediate family member is ill. 

Wondering if travel insurance is worth it? What travel insurance covers

Editor’s Note: This article contains updated information from previously published stories:

• Spirit Airlines scrubs 60% of its Wednesday flights, says cancellations will drop ‘in the days to come.’
• ‘Just a parade of incompetency’: Spirit Airlines passengers with ‘nightmare’ stories want more than apology, $50 vouchers
• ‘This is not our proudest moment’: Spirit Airlines CEO says more flight cancellations expected this weekend
• Hurricane Irma: Flight cancellations top 12,500; even more expected
• Is an annual travel insurance policy right for you?
• How 2020 and COVID-19 changed travel forever – and what that means for you
• COVID-19 or delta variant have you ready to scrap your trip? Here’s how to cancel like a pro
• Sunday: Snow is over, but flight cancellations top 12,000
• After nearly 13,000 Harvey cancellations, Irma is new threat to airline flights
• What’s the difference between travel insurance and trip ‘protection’?
• How to choose the right travel insurance for your next vacation
• Travel insurance can save the day
• Angry passengers brawl after Spirit cancels flights
• What to do when travel insurance doesn’t work
• How lockdowns, quarantines and COVID-19 testing will change summer travel in 2021
• Travelers will pay and worry more on summer vacation this year. But they won’t cancel
• How to find a hotel with COVID testing and quarantine facilities wherever you travel
• Yearning to travel in 2022? First, figure out your budget – then pick a destination
• Pro tips for surviving a long flight during a pandemic: Get the right mask, bring a pillow
• Want to steer clear of contracting COVID-19 on your next vacation? Follow these guidelines
• Post-pandemic travel: Is it OK to ask another passenger’s vaccine status or request they mask up?
• These days, forgetting these important travel items could cost you thousands of dollars
• International travel hacks: When to book flights and hotels, how to deal with COVID-19 rules
• Traveling post-coronavirus: How do you book your next trip when so much remains uncertain?
• The COVID-19 guide to holiday travel – and the case for why you shouldn’t go this year
• Should you travel during the holidays? Americans struggle with their decision
• ‘There’s still pent-up demand’: What you should know about fall travel
• Planning for life after coronavirus: When will we know it’s safe to travel again?
• ‘Busiest camping season’: Travelers choose outdoor recreation close to home amid COVID-19 pandemic
• Considering a camping trip this summer? Tips to make sure your gear is good to go
• RVing for the first time? 8 tips for newbies I wish I’d known during my first trip
• Five myths about travel agents
• Should I buy travel insurance?
• Is travel insurance stacked against you?
• Five myths about travel insurance and terrorism
• These eight things could get your travel insurance claims rejected
• There’s a good chance that your credit card already gives you some kind of travel insurance coverage
• How to avoid a hotel cancellation penalty
• Change fees and travel insurance continue to rise

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.

Amy Fontinelle has more than 15 years of experience helping people make informed decisions about their money, whether they’re refinancing a mortgage, buying insurance or choosing a credit card. As a freelance writer trained in journalism and specializing in personal finance, Amy digs into the details to explain the products and strategies that can help (or hurt) people seeking greater financial security and wealth. Her work has been published by Forbes Advisor, Capital One, MassMutual, Investopedia and many other outlets.

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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Confused about entry requirements for your destination? Our  interactive map shows current travel rules and restrictions for each destination, including info on COVID-19 testing, necessary travel documents and quarantine periods.

Find out how our  Epidemic Coverage Endorsement can protect your next trip from certain losses related to COVID-19.

Why do I need travel insurance?

Because sometimes..., you have to cancel a trip last-minute..

Travel insurance can reimburse you for your prepaid, non-refundable trip costs — including vacation rentals, car rentals, hotels and flights — if you have to cancel for a covered reason.

Travel delays leave you stranded.

Travel insurance can reimburse you for eligible meals, accommodation and transportation expenses during a covered delay.

You get sick or hurt when you're far from home.

Travel insurance can reimburse you for care following a covered medical emergency while traveling. We can even arrange and pay for a medical evacuation if needed.

Fender-benders are unavoidable.

Renting a car means taking on a big financial risk; even a tiny scrape can cost you hundreds. Low-priced rental car insurance lets you drive worry-free.

You need help in a hurry.

Whether you're planning a week-long road trip or a weekend getaway, you never know what might happen. Travel insurance gives you access to our 24-Hour Assistance hotline for expert, personalized support in a crisis.

Why go with Allianz Travel Insurance?

As a world leader in travel protection, we help more than 70 million people answer the call of adventure with confidence every year.

We're Protecting You

From protection for trip cancellation to medical bills abroad, our benefits are designed to help you explore reassured.

We're There For You

We've got your back with award-winning 24/7 assistance and a worldwide network of prescreened hospitals to help you get the right care.

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Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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The 7 best 3-day cruise itineraries for 2024.

Plan a long weekend getaway aboard a cruise for fun, scenery and entertainment.

The Best 3-Day Cruise Itineraries

Courtesy of Carnival Cruise Line

Hop aboard the Carnival Radiance for a short but fun-filled cruise weekend.

Whether you're short on vacation days or you only have a long weekend to spare, three-night cruises offer a fun and affordable way to get a change of scenery. These shorter sailings from the U.S. often amount to a weekend cruise and only depart from Florida and California for now. However, short cruises still let you dine and dance on board, enjoy world-class entertainment, and visit nearby destinations like Nassau in the Bahamas; Key West, Florida; or Ensenada, Mexico.

If you're looking for short cruises that pack a lot of good times into a weekend vacation, you should know that many cruise lines offer these trips, including Norwegian Cruise Line, MSC Cruises, Royal Caribbean International and Celebrity Cruises. Read on to find out which short cruises we recommend, where they depart from, and everything you can see and do over the span of three incredible nights.

3-Day Cruises From Florida

Norwegian sky from miami.

Courtesy of Norwegian Cruise Line

Dates: Aug. 2 to 5, 2024

Departure port: Miami

Stops: Key West, Florida; Great Stirrup Cay, Bahamas

Starting price: $399 per person

This three-night cruise on Norwegian Sky departs from Miami in August 2024 with stops at two iconic tropical destinations. The vessel's first stop is Key West , where cruise passengers will have the day to visit the southernmost tip of the United States, book a snorkeling or kayaking tour, or bar hop along the world-famous Duval Street. From there, the cruise stops at Great Stirrup Cay in the Bahamas, which is a private island paradise that's only for cruise passengers. Here, visitors can enjoy some beach time, plan a WaveRunner adventure or snorkel the clear waters to watch out for wildlife.

When not at port, passengers on Norwegian Sky can enjoy the ship's 10 dining options, onboard spa, casino at sea, and variety of pools and hot tubs. The Norwegian Cruise Line vessel even has a sushi bar and a Starbucks onboard, and it was completely renovated from top to bottom in 2019.

Book a Norwegian cruise on GoToSea , a service of U.S. News.

MSC Seashore from Port Canaveral

Conrad Schutt | Courtesy of MSC Cruises

Dates: Multiple dates in November and December 2024

Departure port: Port Canaveral, Florida (Orlando)

Stops: Nassau and Ocean Cay Marine Reserve, Bahamas

Starting price: $169 per person

This three-night cruise on MSC Seashore departs from Port Canaveral near Orlando and takes passengers to two tropical destinations in the nearby Bahamas . The first is the island of Nassau, which is known for its luxury resorts (including the exclusive Atlantis Paradise Island Bahamas), huge casinos and powder white sands. After that, guests can spend a second day at port at MSC Cruises ' private island, Ocean Cay MSC Marine Reserve. This island offers a perfect beach retreat for people who just want to relax, including several expansive white sand beaches with ample seating, an interior ocean lagoon for swimming, and beach bars and eateries dotted throughout.

MSC Seashore features huge pools, an onboard water park for kids, the expansive MSC Aurea Spa and 11 distinct dining venues for passengers to choose from. The ship also boasts the exclusive "ship within a ship" Yacht Club area, which offers the best of everything for discerning guests.

Find an MSC Cruises deal on GoToSea.

Celebrity Reflection from Fort Lauderdale

Courtesy of Celebrity Cruises

Dates: Ongoing in 2024

Departure port: Fort Lauderdale, Florida

Stops: Perfect Day at CocoCay and Nassau, Bahamas

Starting price: $273 per person

This three-night cruise on Celebrity Cruises ' Celebrity Reflection departs from Fort Lauderdale and leaves for two days in the sunny Bahamas. The first stop gives guests a full day to enjoy at Perfect Day at CocoCay, a cruise line private island that's typically reserved for Royal Caribbean guests. This island paradise features an exclusive beach club, idyllic white sand beaches for swimming and floating, a water park, a zip line, and plenty of places to eat and drink all day. The next stop is Nassau: Visitors can dine and shop their way through the port area or book a fun day pass to the Baha Bay water park, which is located at resort Baha Mar and features waterslides, an expansive lazy river and incredible cuisine options right at the park.

Celebrity Reflection was recently refurbished in 2022. It features an incredible array of included dining options, eight specialty and exclusive dining establishments, and bars and lounges throughout the ship. The Retreat, a VIP ship-within-a-ship concept, is also offered on board for those who want an elevated cruising experience.

Explore Celebrity Cruises on GoToSea.

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Disney Dream from Fort Lauderdale

Courtesy of Disney Cruise Line

Dates: Nov. 6 to 9, 2024

Stops: Disney Lookout Cay at Lighthouse Point and Disney Castaway Cay, Bahamas

Starting price: $1,973 per stateroom

This three-night Bahamian cruise on Disney Dream stops at two exclusive destinations in the Bahamas – Disney Lookout Cay at Lighthouse Point, then Disney Castaway Cay. The first stop offers incredible beaches with play areas and crystal-clear water for swimming, as well as the Bahamian Arts and Culture Pavilion for families who want to learn something about the local culture on vacation. At Disney Castaway Cay, families can relax the day away on white sand beaches, go biking or kayaking, ride two waterslides, and more. Both destinations even have adults-only beach areas for cruisers who are traveling kid-free.

Disney Dream holds a maximum of 4,000 passengers and has everything you would expect on an exclusive Disney Cruise Line vessel, including kids and family areas, adults-only dining options and pools, and two large theaters. The ship also has several supervised kids clubs as well as dedicated clubs for teenagers and tweens .

Read: The Top Cruises for Babies and Toddlers

Liberty of the Seas from Fort Lauderdale

Courtesy of Royal Caribbean International

Stops: Nassau and Perfect Day at CocoCay, Bahamas

Starting price: $263 per person

Royal Caribbean International also boasts a Bahamas cruise from Fort Lauderdale that stops in Nassau and at the line's private island, Perfect Day at CocoCay. In Nassau, cruisers get the chance to explore one of the most popular cruise ports throughout the Caribbean, where you can book an excursion to a local beach, plan a snorkeling adventure or play in one of the two biggest casinos throughout the region at Atlantis or Baha Mar. At Perfect Day at CocoCay, families can stay active with waterslides, book a kayaking tour or ride a hot air balloon up to 450 feet in the air.

Liberty of the Seas is also an ideal ship for families thanks to fun features like a huge onboard water park with slides, an ice skating rink with shows and the Broadway at Sea theater. The Royal Caribbean vessel also has nearly a dozen different dining venues, including Cupcake Cupboard, Johnny Rockets, a pizza kitchen and an old-world Italian eatery called Giovanni's Table.

Compare Royal Caribbean International cruises on GoToSea.

3-Day Cruises From California

Navigator of the seas from los angeles.

Dates: Throughout 2024

Departure port: Los Angeles

Stops: Ensenada, Mexico

Starting price: $282 per person

Royal Caribbean offers a three-night West Coast adventure on Navigator of the Seas that includes a fun day at sea and a full-day stop in Ensenada, Mexico. This Mexican destination is known for the many activities that can be enjoyed along its rugged shores, which can include leisurely days at nearby Estero and Mona Lisa beaches, hiking experiences, exploration of Baja California's wine region, whale watching and more.

Dates for this sailing are offered throughout 2024, and the ship itself has plenty to keep passengers enthralled while at sea. For example, Navigator of the Seas features the longest waterslide at sea, enlarged pool deck areas for relaxation, ice skating shows and shopping – not to mention Broadway-style shows with dancers, acrobats and singers. There are also 12 unique dining options onboard, including Starbucks, Jamie's Italian by Jamie Oliver and Johnny Rockets.

Carnival Radiance from Los Angeles

Dates: Jan. 26 to 29 and Sept. 24 to 27, 2024

Departure port: Long Beach (Los Angeles)

Starting price: $244 per person

Carnival Radiance also embarks on three-night journeys to Mexico from Los Angeles throughout the year, including in January and September 2024. This Carnival Cruise Line itinerary includes a fun day at sea and a stop in Ensenada, Mexico, where passengers can plan a sightseeing trip, nosh on the unique Baja cuisine the area is known for, shop for silver jewelry and other keepsakes, or spend the day relaxing on the beach.

Carnival Radiance itself serves as the perfect floating vessel for this fun weekend vacation, with onboard amenities that span the Cloud 9 Spa and WaterWorks water park with slides to a comedy club and special clubs for kids and teens. The ship also boasts an adults-only solarium and 10 different bars to choose from.

Book a Carnival cruise on GoToSea.

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer and cruise expert who has covered family travel and cruises for more than a decade. She has cruised more than 40 times across most of the major cruise lines in destinations throughout the Caribbean, Europe and the Middle East. Johnson used her personal experience and research expertise to curate the itineraries for this article.

You might also be interested in:

• Cruise Packing List
• Beach Packing List
• Cruise Drink Packages: Your Options by Cruise Line
• First-Time Cruise Tips
• The Best Cruise Insurance Plans

Tags: Travel , Cruises

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AAA Visalia Insurance and Member Services

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4228 S Mooney Blvd

Visalia, CA 93277

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About the Business

We're always with you thanks to our 24-hour Roadside Assistance. If you need to jump or replace your battery, unlock your car or fix a flat tire, we can help whether you are the driver or a passenger. We offer various insurance policies including auto, home, renters, life, and more. …

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My husband went to pay registration for my car today and was told he couldn't do it because the car is in my name. We have a joint AAA account and all our cars are on it. She said she was the supervisor so I guess she knows the rules. He said she was rubbing her hands together all excited because it was time to close so he thought she just didn't feel like helping us. I mean this is absolutely nonsensical. He's paid our registration for our cars for the past 6 years we've had this account. Suddenly it's not okay. What is going on with them. We wait two hours for tow truck when we have a flat tire. And now we can't even pay our registration which is supposed to be one of the benefits to membership. Terrible

I called 1(844) 518-0984. I'm a 15-year AAA member and have had car insurance with AAA for probably just as long. Things have been financially tough and my car insurance got cancelled recently. I called a couple of days ago and paid it off. I just got off the phone with Scott and he says that if I want my insurance back I will have to pay for the entire year today. Are you kidding me? I wish I didn't renew my roadside with these guys the other day. Oh well. A blessing in disguise. I needed cheaper insurance anyway. AAA doesn't care about their customers.

My husband and I visited the Visalia AAA office. The customer service was extremely poor. We had 3 different items we needed to take care of. The front clerk was not friendly at all. We had to wait to meet with the DMV clerk, once we finished with them, had to go back up front wait for insurance to call us back, last thing I wanted to make our home owners insurance payment again had to go out to the front to wait yet again. Needless to say I left and put it in the mail. You have to many people sitting up front doing nothing. Will be looking for another insurance company to do business with. This office used to have friendly helpful associates to help you.

Broke down in Pixley Ca and called AAA for a tow. Waited 3 and a half hours for a tow truck to show up. Hope your vehicle doesn't look like it's used for a business, they wouldn't tow it cause it has a utility bed on it. Left us stranded and didn't offer any suggestions or help. After you get through to someone, don't be in a hurry because it takes about 30 minutes to speak to a human and then they are rude to you, Better to add it to your vehicle insurance policy and don't waste your time or money.

Automobile Club of Southern California, is always there for you. Roadside Service is prompt and on time. They keep you informed when they will be there to help you. If your battery dies, they have replacement batteries with them. As for the Automobile Club in Visalia, CA., the Employees are Friendly and well trained to help with your needs.

This review is not for Visalia aaa it is the company of triple a I got a flat tire off the fwy I told the operator I was on the 118east she put it down 118west was stranded for 1and half hours called a 2nd time no one showed up again fortunately metro freeway service patrol saw me and my wife and came to our rescue with no help from triple a a very bad experience

I've had aaa for decades and have always been extremely satisfied when calling them in the Pacific Northwest. However, last night I had a flat in my little class B motorhome on the I-10 near Palm Springs and they left me sitting on the shoulder of a VERY busy freeway for 5 hours before they finally sent the right size truck to tow me to a tire dealer. I ended up calling them about every half hour to try to find out why they weren't coming. At one point, I was scared and upset, but truly not using bad language or calling names, and one of the dispatchers hang up on me. One of them told me, after I had waited hours and they had actually sent out a too-small truck, that they had no record that I had even called them. I ultimately had to talk to the towing company to get someone to understand what my vehicle was and what kind of truck it needed. Is this typical of California AAA?

Been a member over 25 years with AAA, and seen many changes. We arrived and checked in at the front desk, and had a seat with at least a dozen other people who were waiting also. It's quite apparent that this office is under staffed, which is contributing to the long wait times to get help. It also appears to me they are trying to steer their members to mostly online for assistance. Finally after waiting almost an hour, we were able to see a travel agent. Unfortunately the total time we were at this office was a waste of time because they were not able to accommodate our special travel requests. I give them 3 stars because they are still better than the California DMV.

I recently purchased a new vehicle and needed to transfer into my name. I was so happy that I'm a AAA member and was able to go into AAA instead of the DMV. Stacie was AMAZING!! She was able to helps us in more ways than one!! AAA is LUCKY to have her working there. If you are not a AAA member I would highly recommend it. It has helped me not only with roadside assistance but also with travel and DMV stuff. Thanks again Stacie!!!

Such a pleasant experience, especially compared to the one in Hanford. Needed a bunch of DMV stuff handled and Jennifer took care of everything and was beyond amazing the whole time. Seriously, if you live in Hanford or Lemoore make the drive out to Visalia and go here. So much better. Also, the plaza it's in is larger than some small countries and I spent 5 minutes driving around it to no avail. It's next to Best Buy. Easy-peasy.

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Alignment Health Plan Medicare Advantage 2024 Review

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 .

Alignment Health Plan

CMS Star Rating Average Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).

Alignment Health Plan sells Medicare Advantage plans in six states, and star ratings from CMS are about average.

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Members in high-rated plans Percentage of members who are in rated contracts with a Medicare star rating of 4 or higher.

High (90% or more)

Member experience The average of CMS' star ratings for quality measures in the domain "Member Experience with the Health Plan," weighted by contract enrollment.

2.36 (Below average)

• Low-cost plans, and a lower average out-of-pocket max than most.
• All plans include prescription drug coverage.
• Some plans in 2024 will include Part B rebates.
• Available in only 6 states.
• Member experience ratings are below the average for major providers.

Alignment Health Plan Medicare Advantage plans are available in six states, and the provider’s star ratings from the Centers for Medicare & Medicaid Services (CMS) are average. Member experience ratings, however, fall below those of major providers. In 2024, members may have access to new benefit offerings, such as Medicare Part B premium rebates.

Here’s what you should know about Alignment Health Plan Medicare Advantage.

Alignment Health Plan Medicare Advantage pros and cons

Alignment Health Plan’s offerings have advantages and disadvantages.

Low-cost plans: Most Alignment Health Plan Medicare Advantage plans offer a $0 premium, and the average maximum out-of-pocket cost is lower than major providers. 

Part B help: Alignment’s smartHMO plans offer Medicare Part B rebates.

Drug coverage: All Alignment Health Plan Medicare Advantage plans include prescription drug coverage.

Help for chronically ill: Alignment offers a $500+ quarterly allowance to members of some Dual-Eligible Special Needs Plans (D-SNPs) that they can use for things like groceries and home safety items.

Limited availability: Alignment Health Plan offers Medicare Advantage plans in just six states: Arizona, California, Florida, Nevada, North Carolina and Texas. 

Member experience marks: Average member experience ratings, including customer service and care coordination, for all Alignment Medicare Advantage plans fall below the average for major providers. 

» MORE: Best Medicare Advantage plans

Alignment Health Plan Medicare star ratings

Average star rating, weighted by enrollment: 3.95

The Centers for Medicare & Medicaid Services maintains star ratings for Medicare Advantage plans on a 5-point scale, ranking plans from best (5 stars) to worst (1 star). The agency bases these ratings on plans’ quality of care and measurements of customer satisfaction, and ratings may change from year to year.

Based on the most recent year of data and weighted by enrollment, Alignment Health Plan’s 2024 Medicare Advantage plans get an average rating of 3.95 stars [0] Centers for Medicare & Medicaid Services . 2024 Star Ratings Data Tables (Oct 13 2023) (ZIP) . Accessed Apr 18, 2024. View all sources .

For comparison, the average star rating for plans from all providers is 4.04 [0] Centers for Medicare & Medicaid Services . 10.13.23 Fact Sheet - 2024 Medicare Advantage and Part D Ratings (PDF) . Accessed Apr 18, 2024. View all sources .

You can find a plan’s rating with the Medicare plan finding tool .

What does Alignment Health Plan Medicare Advantage cost?

Costs for Medicare Advantage plans depend on your plan, your geographic location and your health needs.

One of the costs to consider is the plan’s premium. In 2024, nine out of 10 Alignment Health Plan Medicare Advantage plans that aren’t special needs plans (SNPs) have a $0 premium [0] Centers for Medicare & Medicaid Services . CY2024_Landscape_Files_Final_20240314 (ZIP) . Accessed Apr 18, 2024. View all sources .

Even as a Medicare Advantage user, you’ll still be responsible for paying your Medicare Part B premium, which is $174.70 per month in 2024 [0] Centers for Medicare & Medicaid Services . Costs . Accessed Apr 18, 2024. View all sources , although some plans cover part or all of this cost. (Most people pay this standard amount, but if your income is above a certain threshold, you'll pay more .)

Copays, coinsurance and deductibles

Requirements for copays, coinsurance and deductibles vary depending on your plan, location and the services you use. Other out-of-pocket costs to consider include:

Whether the plan covers any part of your monthly Medicare Part B premium.

The plan’s yearly deductibles and any other deductibles, such as a drug deductible.

Copayments and/or coinsurance for each visit or service. For instance, there may be a $10 copay for seeing your primary doctor and a $45 copay for seeing a specialist.

The plan’s in-network and out-of-network out-of-pocket maximums.

Whether your medical providers are in-network or out-of-network, or how often you may go out of network for care.

Whether you require extra benefits, and if the plan charges for them.

To get a sense of costs, use Medicare’s plan-finding tool to compare information among available plans in your area. You can select by insurance carrier to see only Alignment Health Plan plans or compare across carriers.

Available Medicare Advantage plans

There are a few kinds of Alignment Health Plan Medicare Advantage plans, and they vary in terms of structure, costs and benefits. Alignment Health Plan offers Medicare Advantage prescription drug plans (MAPDs).

Plan offerings include the following types:

A health maintenance organization (HMO) generally requires that you use a specific network of doctors and hospitals. You may need a referral from your primary doctor in order to see a specialist, and out-of-network benefits are usually very limited.

HMO point of service (POS) plans are HMO plans that allow members to get some out-of-network services, but they’ll pay more for those services.

Preferred provider organization (PPO) plans provide the most freedom, allowing you to see any provider that accepts the insurance. You may not need to choose a primary doctor, and you don’t need referrals to see specialists. You can seek out-of-network care, although it may cost more than seeing an in-network doctor.

Special needs plans (SNPs) restrict membership to people with certain diseases or characteristics. Hence, the benefits, network and drug formularies are tailored to the needs of those members. Alignment Health Plan offers two types of SNPs:

Chronic Condition SNP: Designed to meet the needs of members living with certain chronic conditions, such as diabetes, congestive heart failure and cardiovascular disease.

Dual-Eligible SNP: For people who are entitled to Medicare and who also qualify for assistance from a state Medicaid program.

Alignment Health Plan Medicare Advantage service area

Alignment Health Plan offers Medicare Advantage plans in six states: Arizona, California, Florida, Nevada, North Carolina and Texas.

Alignment Health Plan covers 144,000 Medicare Advantage beneficiaries [0] The Chartis Group . Mounting Headwinds in Medicare Advantage Market Haven't Stopped Growth . Accessed Apr 18, 2024. View all sources .

Compare Medicare Advantage providers

Get more information below about some of the major Medicare Advantage providers. These insurers offer plans in most states. The plans you can choose from will depend on your ZIP code and county.

AARP Medicare Advantage plans .

Aetna Medicare Advantage plans .

Anthem Medicare Advantage plans.

Blue Cross Blue Shield Medicare Advantage plans .

Cigna Medicare Advantage plans.

Humana Medicare Advantage plans .

Kaiser Permanente Medicare Advantage plans.

UnitedHealthcare Medicare Advantage plans .

Wellcare Medicare Advantage plans .

Find the right Medicare Advantage plan

It’s important to do your research before selecting a Medicare Advantage plan for yourself . Here are some questions to consider asking:

What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?

Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.

Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?

Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?

Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?

More on NerdWallet.com

Best Medicare Advantage Plans

Medicare Open Enrollment: What You Need to Know

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Journey through Vietnam

13 nights’ accommodations in Deluxe and Superior First Class hotels.

Encounter Vietnam’s breathtaking natural beauty, abiding tradition, and profoundly hospitable people on this comprehensive 15-day small group journey. Get acquainted with French-accented Hanoi and explore stunning Ha Long Bay.  Staying in a beachfront hotel in Da Nang, tour the acclaimed Cham Museum and Hoi An’s charming Old Town.  Enjoy a cooking lesson and visit a farming settlement.  Explore Hue’s vast Imperial Citadel.  With two nights in the storied Mekong Delta, experience river life, visiting a floating market.  A three-night stay in vibrant Saigon concludes the journey.  Discover Angkor Wat’s amazing temples and Phnom Penh with an optional 5-day/3-night post-tour extension. 

Price: 

$4,797 air inclusive price from San Francisco [including airline taxes/fees of $602, which are subject to change]

For more information or to reserve your place on tour, please call the tour operator ODYSSEYS UNLIMITED toll-free at 1-888-370-6765. 

Physical level:.

Consistent amount of walking most days, about 2-4 miles per day. These trips feature long touring days and may include travel via various modes of transportation. Travelers are expected to board transportation without assistance as well as stand and walk over uneven terrain including cobblestones for extended periods of time. Some tours may include activities and travel at higher altitudes. Elevators are not always available at sights or all hotels.

Event Category