couple travel insurance

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Honeymoon Travel Insurance: Protect Your Romantic Getaway (2024)

Learn the nuances of honeymoon travel insurance to choose the right policy to protect your post-wedding vacation.

in under 2 minutes

Josh Lew is a travel journalist and writer based in the midwestern U.S. He has been active for the past decade, covering airlines, international destinations and ecotourism for sites like TravelPulse and TreeHugger. He currently contributes to content writing agency World Words.

Sabrina Lopez is an editor with over six years of experience writing and editing digital content with a particular focus on home services, home products and personal finance. When she is not working on articles to help consumers make informed decisions, Sabrina enjoys creative writing and spending time with her family and their two parrots.

Honeymoons are once-in-a-lifetime trips, and the average couple spends $4,800 on their post-wedding vacation. Honeymoon travel insurance can protect this investment and ensure a memorable, stress-free romantic getaway.

Here are the insights you need to choose the best travel insurance plan for your honeymoon.

Why Trust MarketWatch Guides

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

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Why Honeymoon-Specific Coverage Matters

Honeymoons are supposed to be a time to relax after the busy activities surrounding a wedding. Trip cancellations or delays can turn a happy vacation into a stressful experience, and medical emergencies and lost belongings can increase out-of-pocket expenses and deplete your travel budget.

Travel issues are more common than you might think. In December 2022, 5.4% of flights were canceled , and 1.09% of bags were mishandled by airlines, according to Department of Transportation data. Natural disasters are also common. For instance, 10 tropical storms impact the southern U.S. and popular honeymoon destinations in the Caribbean yearly. All these issues could negatively impact what’s supposed to be one of life’s happiest travel experiences.

Travel medical insurance , trip cancellation coverage, and protection for other common travel risks, such as lost luggage, can protect your honeymoon investment from these common delays and disasters and give you peace of mind after departure. Even if the worst occurs and your trip gets canceled, you can receive reimbursement and travel elsewhere or go later without additional costs.

Benefits of Honeymoon Travel Insurance

A single-trip honeymoon travel insurance policy offers several essential benefits for the happy couple. Here is a look at the advantages of insurance coverage for vacationing newlyweds.

• Financial protections: Honeymoons can cost thousands of dollars. If your trip gets canceled or interrupted due to an illness, disaster or emergency, you can get reimbursed for the trip cost as long as the cancellation was due to one of the insurer’s covered reasons.
• Support during emergencies: Travel policies cover medical care and evacuations after an illness or injury. The best travel insurance companies also provide access to 24/7 assistance so that you can find care and get support when needed.
• Managing inconveniences: Lost luggage, delays and missed connections are inconvenient. However, if you purchase travel insurance, you can protect against these issues by purchasing replacements for lost items or booking a hotel and having a meal during an extended delay.
• Accounting for risks in your destination: You may have concerns about your specific destination. For example, couples traveling to the Caribbean between June and November should be aware that it is hurricane season. Storms are unlikely, but if one does occur, your trip cancellation insurance will kick in and provide reimbursement so that you can travel somewhere else or reschedule after the danger passes.

When you buy travel insurance, you will have several coverage choices, including a comprehensive policy, a stand-alone trip delay and cancellation option or a health insurance plan. Comprehensive honeymoon insurance is usually the best choice if you want all the benefits and do not have an annual plan as a couple.

Enjoy a Stress-Free Getaway with Comprehensive Coverage

A comprehensive trip plan covers the most common issues you could encounter when traveling.

• Trip cancellation : This coverage reimburses your trip deposit and other prepaid portions of your vacation if you cancel for an acceptable reason. Covered cancellations usually involve an unexpected illness, death in the family or natural disaster in your destination. You can use the reimbursed expenses to plan an alternative trip.
• Trip interruption : This policy component protects you from significant delays or cancellations after departure. For instance, if you have travel insurance for a Turks and Caicos vacation , it will cover you if a storm shortens your stay and necessitates early evacuation.
• Emergency medical expenses : This coverage pays for emergency medical care due to an illness or injury on your trip.
• Medical evacuation : This policy feature pays for you to return home or go to an acceptable medical facility if you are sick or injured and require extensive care.
• Baggage delay or loss: This feature reimburses you for lost baggage so that you can replace items you need for your trip. If you have a destination wedding, this coverage is useful. It allows you to replace wedding attire and keep your plans on schedule despite a delayed suitcase.

Even if you don’t use the policy benefits, they provide peace of mind. You know that if something unforeseen happens during your trip, it won’t cause a major inconvenience, ruin your travel plans or cause you to pay too much out of pocket.

Factors To Consider When Selecting Your Policy

Several factors affect the price of a travel insurance quote. The trip cost, duration, destinations, means of transport, activities and luggage value all factor into the equation. You also need to consider the coverage limit, which is the maximum amount the insurer will pay for each claim type.

When you get a quote, you should compare it to other policies with similar limits and benefits. You should also look at the fine print to understand the claims process and see if the policy covers pre-existing conditions you might have.

Some honeymoons may require special coverage because of limitations to standard travel policies. For instance, many insurers do not provide scuba diving insurance, so you must purchase additional coverage or get stand-alone insurance for this activity. Also, if you take your honeymoon on a cruise line, you may need a cruise-only policy to cover risks like missed ports of call or delays causing you to miss embarkation.

With proper research and careful consideration of terms and conditions, you can find a policy that meets your needs and covers every aspect of your honeymoon.

The Bottom Line

Honeymoon insurance protects your investment and ensures you do not miss out on your romantic getaway, even if your initial trip gets canceled or interrupted. You need to consider your plans and the risks of your destination. For instance, travel insurance for Costa Rica has different requirements than travel insurance for Aruba .

Once you define your needs, you can research the coverage offered by different providers and select the best protection for your honeymoon plans.

Frequently Asked Questions About Honeymoon Travel Insurance

Is joint travel insurance worth it.

Joint travel insurance is often worthwhile for a honeymoon or any other occasion when you are traveling as a couple. However, factors such as pre-existing medical conditions, trip cancellation coverage through a credit card or trip cost could make two single policies cheaper in some cases.

If the prices are comparable, joint insurance is the better option. It simplifies the claims process and allows you to make one claim instead of two for delays, interruptions or cancellations.

Can you get couple travel insurance?

Yes, a travel insurance provider will allow you to apply for coverage as a couple. You can also get family or group policies if you have a destination wedding.

What are the benefits of honeymoon travel insurance?

Honeymoon travel insurance can provide reimbursement if your trip gets canceled due to a covered reason like an illness or natural disaster in your destination. You can protect your travel investment and use it to have an alternative honeymoon getaway or reschedule for a later time.

Also, medical coverage allows you to protect your nest egg by paying for any expensive healthcare treatments you might need while traveling abroad.

How much does honeymoon travel insurance cost?

The cost of honeymoon travel insurance varies by destination, vacation length, activities, age and trip cost.

Here are examples of costs for travel insurance for a Mexico vacation for a 35-year-old couple from Aug. 1 to Aug. 14, 2023.

• $168 to insure with Generali Global Assistance
• $172 with GoReady
• $192 with AXA Assistance USA

Prices are for standard policies with 100% cancellation coverage and at least $50,000 in medical coverage. The total cost of the trip, including airfare and hotels, is $4,800.

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11 Best Travel Insurance Companies in April 2024

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 .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers, top credit cards with travel insurance, methodology, best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at no extra cost.

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

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

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Special medical insurance for ship captains and crew members, international students and missionaries.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Here is the list of travel cards offered by Chase that include various forms of travel insurance.

Having one of these in your wallet is a good start to protecting your travel investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 12 hours.

• Car rentals: Theft and collision damage for most cars in the U.S. and abroad.

• Trip cancellation: Up to $1,500 per person and $6,000 per trip.

• Trip interruption: Up to $1,500 per person and $6,000 per trip.

• Baggage delay: Up to $100 per day for three days.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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The Benefits of Couples Travel Insurance

Embarking on a journey together? Don’t forget to consider the advantages of couples travel insurance . As a savvy pair of travellers, you’ll find that opting for a joint policy offers a range of benefits, elevating your travel experience to new heights. Let’s explore why couples travel insurance is a must-have for travel companions seeking convenience, cost savings, comprehensive coverage, and flexibility.

What are the benefits of Couples Travel Insurance?

First and foremost, the convenience of managing just one policy for both of you cannot be overstated. Bid farewell to the hassle of juggling multiple insurance documents and hello to streamlined simplicity. Whether you plan to hop between enchanting destinations or embark on an extended adventure, a couples policy keeps everything neatly organized.   Now, let’s talk savings. Who doesn’t appreciate a little extra cash in their pocket? With couples travel insurance, you can often revel in cost advantages compared to individual policies. Insurers are keen on rewarding couples with discounted rates through group policies, allowing you to allocate those saved funds toward creating unforgettable memories during your escapades.

What is couples travel insurance?

Couples travel insurance is a type of travel insurance policy that provides coverage for two people traveling together. It typically includes benefits such as trip cancellation and interruption coverage, emergency medical and dental coverage, baggage and personal belongings coverage, and travel accident coverage. This type of insurance can provide peace of mind and financial protection for couples on their travels.

What does couples travel insurance cover?

How to choose the right couples travel insurance policy

When choosing a couples travel insurance policy, it’s important to consider your specific travel plans and needs. Start by reviewing the coverage options and exclusions to ensure that the policy covers the activities and destinations you plan to visit. You should also consider the level of coverage you need for medical expenses, trip cancellation, and baggage loss. Finally, compare the cost and benefits of different policies to find the one that offers the best value for your budget.

Tips for making the most of your couples travel insurance

Couples travel insurance can provide peace of mind and protection for your adventure, but there are a few tips to keep in mind to make the most of your policy. First, make sure to read the policy carefully and understand the coverage options and exclusions. Second, keep all necessary documents and contact information with you while traveling, including your policy number and emergency contact information. Finally, if you need to file a claim, do so as soon as possible and provide all necessary documentation to ensure a smooth process.   While couples travel insurance undoubtedly offers a range of advantages, it’s important to consider a few additional factors when selecting the perfect policy. The length of your trip should align with the coverage provided, ensuring you remain protected for the entirety of your adventures. If you’re planning to engage in adventurous activities like scuba diving or hiking, double-check that your chosen policy encompasses such thrilling endeavours. Those with pre-existing medical conditions must ensure that their insurance plan takes these conditions into account. Lastly, be mindful of your budget as couples travel insurance can range in price, making it essential to compare policies diligently and select one that aligns with your finances.

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Couples Travel Insurance: 10 Things You Should Know

Couples travel insurance is a wise purchase if you and your significant other are traveling overseas. You may be planning a romantic getaway for you and your significant other to commemorate an anniversary or other significant event in your relationship, or you may be taking your special person on a trip around the world. In either case, you won’t want to experience even the slightest hiccup with your health or any other aspect of your travel plans.

Even while you hope everything goes according to plan, no matter how well you prepare, there is always a risk that you may encounter an emergency or two, which might destroy the enjoyment of your vacation. Knowing that your couple’s travel insurance will help you out and see to it that you are adequately cared for in such a circumstance will be a comfort.

Unless they have faced a situation like this while traveling in the past, many individuals disregard the need of having couples’ travel insurance on hand. I’m going to give you a brief overview of how these couples work, what it covers for you, and how much it will help you and your spouse when you travel together.

Being here indicates that you are interested in learning more about this and may be unsure whether to get one. Alternatively, you may be a traveler who is unaware of the significance of this insurance and wants to learn more about it. Regardless of why you’re here, I hope this clarifies any issues you may have and explains how this works as well as the advantages of having it.

Without further ado, let’s get to the point and examine what is all about.

Table of Contents

What is couples’ travel insurance.

This is a combined coverage that covers you and your significant other while you are away from home. Additionally, it can end up being more affordable than buying two separate policies, and because you will only have to deal with one insurance company when making a claim, it will be simpler.

This may refer to a married pair or just a cohabiting couple in a relationship. The level of coverage that you and your spouse are often granted when purchasing a combined travel insurance policy is the same. This indicates that should you file a claim, you will both be eligible for the same settlement.

Simply stated, the travel insurance plan for a couple is the same as one for an individual or family. The sole distinction is that there is just one insurance that covers both parties, as opposed to two separate plans for each.

Who is Considered a “Couple” for Couples Travel Insurance?

A couple is generally defined as two persons of any gender who are at least 18 years old and have been living together as a couple. However, some insurance companies have particular criteria for what sorts of relationships qualify as “couples.” A couple that has agreed to live together might be legally married or just be dating.

What Benefits Can you Offer?

Despite differences in coverage, a full-service couples’ travel insurance policy comes with several helpful benefits.

Couples travel insurance provides excellent value

Any medical expenses or hospital bills incurred while traveling outside of the nation will be covered by this. It also covers any unforeseen cancellation charges. Your items, baggage, travel papers, credit cards, cash, and checks will also be covered. Some assurance also includes personal liability protection, which protects your financial interests if you unintentionally harm someone or their property while you are away from home.

Eliminates the Need to have Two Policies While Saving Money

Travel insurance for couples is quick and easy. There is just one policy available, therefore you only need to bring one travel insurance certificate, one contact number, and one policy number with you when you go. The pair may potentially save money by getting assurance together. Buying dual insurance will result in larger savings than buying two separate plans.

However, It may cost extra if one of you needs specific coverage (perhaps because of a pre-existing medical condition). This is because to the fact that the higher premium would affect both of you.

What is the typical cost of travel insurance for couples?

The cost of travel assurance for couples can change depending on your age, the ages of both of your partners, and any pre-existing medical condition because insurance companies believe that older travelers (those over the age of 65) and those who travel with pre-existing health conditions are more likely to claim medical treatment while they are away.

Insurance companies could also consider any potentially hazardous activities you want to engage in while there and charge extra for more coverage.

Insurance for locations outside of Europe is often more expensive, with the highest premiums being charged for coverage for places like the United States, Canada, Mexico, and the Caribbean. This is because medical treatment is far more expensive in these areas than it is elsewhere.

Should the couple go on vacation together?

Numerous plans will allow you to travel independently while still being insured if you have acquired annual multi-trip couples travel insurance. However, it’s crucial to review the policy’s terms and conditions.

What Would Happen If One of You Was Sick?

You only need to make sure that your insurer is aware of your health status at the time you make the purchase, so that is not a problem. The insurance company may cover the illness at no additional cost, charge an additional premium, levy a medical excess, or even altogether exclude coverage based on the findings of your declaration and the severity of the ailment.

Let’s say you aren’t sure the condition will be covered. In such a situation, you should make sure to get in touch with your insurer right away to make sure both you and your partner will be protected if any of you files a claim as a consequence of the condition.

What’s Covered by  Travel Insurance?

Medical costs.

This should help cover the cost of any essential medical treatment and any flights to return to the United States if you are ill, wounded, or injured while on vacation. If you don’t have travel assurance, your medical costs might become quite high.

Cancellations

If you or a traveling companion becomes ill, insurance policy may help pay the cost of a canceled trip. Review the policy’s terms and conditions to learn about the cancellation kinds for which you may submit a claim, the maximum amount they will pay out, and any excess payment you will be responsible for.

holiday sabotage

Couples’ travel insurance policies may reimburse for expenses related to vacation disruptions, such as missed departures, canceled or delayed flights, or lodging.

theft of personal property

Your  insurance policy could assist with costs if anything is lost or stolen while you’re abroad. It’s crucial to review the specifics of your insurance, although many will pay for lost or damaged baggage. Always examine your insurance policy to be sure you understand what is covered and how much you could be eligible for in reimbursement.

urgent medical needs

If you ever find yourself in need of medical care in a nation where the language is not your native tongue, having this may come in helpful. If you need advice on where to get treatment or how to return home early if you cannot fly, you may call the 24-hour hotline of your insurance.

Private responsibility

While you are on vacation, if there is an accident, you might be held financially liable for the injury done to another tourist. In such cases, you may be safeguarded by personal liability insurance.

What Does Travel Insurance NOT Cover?

Extreme sport.

Make sure your policy covers your preferred activity if you and your significant other like heart-pounding sports. Extreme activities like skiing and bungee jumping fall under this category, along with any other activity that would need medical treatment.

health issues that are already present

You must let your insurance know if you have any medical conditions, present or previous. This group of diseases includes conditions like asthma, diabetes, and heart disease, to name a few. If you don’t disclose a pre-existing condition, you risk having your coverage for that condition discontinued.

Most assurance providers won’t pay for your vacation if you visit a location that the Foreign Office has advised its customers against visiting. Visit USA gov for additional information.

terrorism as well as natural catastrophes

These may include terrorist activities like bombings and shootings as well as “Acts of God” like storms, hurricanes, and floods. Before you go, check your travel insurance to determine what is and is not covered.

Alcohol and drugs

Many individuals believe that having at least one drink throughout their trip is necessary. If you use alcohol or drugs excessively, your insurance provider can refuse to pay for any accidents or illnesses that result.

By carefully reviewing your policy’s tiny print, you may ensure that you are aware of how your chosen provider defines “severe” alcohol usage. Be sensible and restrain yourself while you’re on vacation; otherwise, you can get more than just a hangover.

In conclusion, couples travel insurance is a valuable investment for a worry-free and enjoyable journey with your loved one. By understanding the nuances of this insurance and the factors that affect your coverage, you can ensure a memorable and secure travel experience together.

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How Does Couple Travel Insurance Work?

A clear explanation.

Couple travel insurance is a type of insurance policy that covers two travelers who are traveling together on the same itinerary. This type of insurance policy offers a wide range of benefits, including trip cancellation, trip interruption, emergency medical coverage, and more. It is a great way for couples to protect themselves against unforeseen circumstances that may arise during their travels.

Understanding couple travel insurance is important for anyone who is planning a trip with their significant other. This type of insurance policy provides coverage for both travelers, which means that if one traveler has to cancel or interrupt their trip for a covered reason, both travelers are covered. Additionally, couple travel insurance policies often offer additional benefits that are not available with individual travel insurance policies. These benefits may include coverage for pre-existing medical conditions, accidental death and dismemberment coverage, and more.

Key Takeaways

• Couple travel insurance is a type of insurance policy that covers two travelers who are traveling together on the same itinerary.
• Couple travel insurance provides coverage for both travelers, which means that if one traveler has to cancel or interrupt their trip for a covered reason, both travelers are covered.
• Couple travel insurance policies often offer additional benefits that are not available with individual travel insurance policies.

Understanding Couple Travel Insurance

When planning a trip together, couples may want to consider purchasing travel insurance to protect their investment and provide peace of mind. Couple travel insurance is a type of travel insurance policy that covers two people who are traveling together. Here are some key things to keep in mind when considering couple travel insurance:

What is Covered?

Couple travel insurance typically covers a variety of situations that could arise during a trip, such as trip cancellations, trip interruptions, and medical emergencies. Depending on the policy, coverage may also include lost or stolen luggage, flight delays, and emergency medical evacuation.

How Does It Work?

When a couple purchases travel insurance, they will typically pay a premium based on the length of their trip and the level of coverage they desire. If an unexpected event occurs during the trip, such as a medical emergency or trip cancellation, the couple can file a claim with the insurance company to receive reimbursement for their expenses.

What Should Couples Look For?

When shopping for couple travel insurance, couples should consider several factors to ensure they choose the right policy for their needs. Some things to look for include:

• Coverage limits: Make sure the policy provides adequate coverage for potential expenses.
• Pre-existing conditions: If one or both members of the couple have pre-existing medical conditions, make sure the policy covers them.
• Deductibles: Consider the amount of the deductible and how it will affect the cost of the policy.
• Exclusions: Read the policy carefully to understand what is not covered.

Overall, couple travel insurance can provide valuable protection for couples who want to travel with peace of mind. By understanding what is covered, how it works, and what to look for, couples can choose the right policy for their needs and enjoy their trip without worrying about unexpected events.

Benefits of Couple Travel Insurance

Traveling as a couple can be a wonderful experience, but it also comes with its own set of risks. Couple travel insurance can provide peace of mind and financial protection against a range of potential issues that may arise during a trip. Here are some benefits of couple travel insurance:

Trip Cancellation and Interruption Coverage

One of the primary benefits of couple travel insurance is trip cancellation and interruption coverage. This means that if the couple needs to cancel or cut short their trip due to a covered reason, such as illness or injury, they can receive reimbursement for their non-refundable expenses, such as flights, accommodations, and activities. It’s important to note that not all reasons for cancellation or interruption are covered, so it’s essential to read the policy carefully.

Emergency Medical and Dental Coverage

Couple travel insurance typically includes emergency medical and dental coverage, which can be crucial when traveling abroad. This coverage can provide reimbursement for medical expenses, such as hospitalization, surgery, and prescription medications. It can also cover emergency dental treatment, such as tooth extraction or filling. It’s important to note that pre-existing conditions may not be covered, so it’s essential to read the policy carefully.

Baggage and Personal Belongings Coverage

Another benefit of couple travel insurance is baggage and personal belongings coverage. This coverage can provide reimbursement for lost, stolen, or damaged luggage and personal items, such as cameras, laptops, and jewelry. It’s important to note that there are limits to the amount of coverage, so it’s essential to read the policy carefully.

Travel Accident Coverage

Couple travel insurance may also include travel accident coverage, which can provide financial protection in the event of accidental death or dismemberment during the trip. This coverage can provide a lump-sum payment to the couple or their beneficiaries. It’s important to note that this coverage is usually secondary to any other insurance the couple may have, such as life insurance.

Trip Delay, Missed Connections, and Emergency Medical Evacuation Coverage

Some couple travel insurance policies may also include coverage for trip delays, missed connections, and emergency medical evacuation. Trip delay coverage can provide reimbursement for additional expenses, such as food and lodging, if the couple’s flight or other transportation is delayed for a certain amount of time. Missed connection coverage can provide reimbursement for additional expenses, such as transportation and accommodations, if the couple misses a connecting flight due to a covered reason. Emergency medical evacuation coverage can provide financial protection if the couple needs to be transported to a medical facility due to a covered medical emergency.

Overall, couple travel insurance can provide peace of mind and financial protection against a range of potential issues that may arise during a trip. It’s important to read the policy carefully to understand what is covered and what is not covered.

How to Apply for Couple Travel Insurance

When planning a trip with a partner, it’s important to consider purchasing couple travel insurance. This type of insurance can provide coverage for both individuals in case of unexpected events such as trip cancellations, medical emergencies, or lost luggage. Here’s how to apply for couple travel insurance.

Eligibility Criteria

To be eligible for couple travel insurance, both individuals must be traveling together and have the same travel itinerary. Additionally, most insurance providers require that both individuals be legally married or in a domestic partnership. Some providers may also allow non-married couples to apply, but they may need to prove that they have been in a committed relationship for a certain amount of time.

Application Process

The application process for couple travel insurance is typically straightforward. Here are the steps to follow:

• Research insurance providers: Start by researching insurance providers that offer couple travel insurance. Look for providers that offer comprehensive coverage and have good customer reviews.
• Choose a plan: Once you have found a few insurance providers, compare their plans to find one that meets your needs. Look for plans that offer coverage for trip cancellations, medical emergencies, and lost luggage.
• Fill out the application: After choosing a plan, fill out the online application form. You will need to provide basic information about yourself and your partner, as well as details about your travel itinerary.
• Review the policy: Before submitting your application, review the policy to ensure that it meets your needs. Make sure that you understand the coverage limits, deductibles, and exclusions.
• Pay for the policy: Once you have reviewed the policy and are satisfied with the coverage, pay for the policy using a credit card or other accepted payment method.
• Receive confirmation: After submitting your application and payment, you will receive confirmation of your coverage via email. Make sure to keep this confirmation with you while traveling in case you need to file a claim.

In conclusion, applying for couple travel insurance is a simple process that can provide peace of mind while traveling with a partner. By following these steps, you can find a plan that meets your needs and ensure that you are covered in case of unexpected events.

Coverage of Couple Travel Insurance

When a couple travels together, they want to ensure that they are protected in case of any unforeseen events. Couple travel insurance provides coverage for both individuals traveling together, and it can be a cost-effective way to protect against unexpected expenses. Here are the different types of coverage typically included in couple travel insurance:

Medical Coverage

One of the most important aspects of couple travel insurance is medical coverage. This type of coverage can help pay for medical expenses that may arise during the trip. It can include coverage for emergency medical treatment, hospitalization, and medical evacuation. Some policies may also offer coverage for pre-existing medical conditions, but this can vary by insurer and policy. It is important to read the policy carefully to understand what is covered and what is not.

Trip Cancellation

Another important type of coverage provided by couple travel insurance is trip cancellation coverage. This type of coverage can help reimburse the cost of the trip if it is canceled or interrupted due to unforeseen circumstances, such as illness, injury, or death. It can also cover the cost of additional expenses, such as hotel stays and transportation, that may be incurred due to the cancellation or interruption of the trip. Again, it is important to read the policy carefully to understand what is covered and what is not.

Baggage Loss

Couple travel insurance can also provide coverage for baggage loss or damage. This type of coverage can help reimburse the cost of lost or damaged luggage, as well as any personal items that may have been lost or damaged during the trip. Some policies may also offer coverage for delayed baggage, which can help cover the cost of essential items that may be needed while waiting for the luggage to arrive.

In conclusion, couple travel insurance is an important way for couples to protect themselves against unexpected expenses while traveling. By understanding the different types of coverage provided, couples can choose a policy that best meets their needs and provides the peace of mind they need to enjoy their trip.

Exclusions in Couple Travel Insurance

While couple travel insurance can provide peace of mind when traveling together, it’s important to be aware of the exclusions in the policy. These are situations and circumstances that are not covered by the insurance, and it’s essential to understand them to avoid any surprises.

One of the most common exclusions in couple travel insurance is pre-existing medical conditions. If one of the travelers has a medical condition that existed before the policy was purchased, it may not be covered by the insurance. It’s important to disclose any pre-existing conditions before purchasing the policy to ensure that they are covered.

Another common exclusion is injuries or illnesses that occur as a result of participating in risky activities. These can include extreme sports, such as bungee jumping or skydiving, or activities that involve alcohol or drug use. If the couple plans to participate in any risky activities, they should check with the insurance provider to see if they are covered.

Travel insurance may also exclude coverage for certain destinations or regions. For example, if the couple is traveling to a country that is under a travel warning or has a high risk of political instability, the insurance may not cover any losses or expenses incurred while there.

It’s important to read the policy carefully and understand all of the exclusions before purchasing couple travel insurance. If there are any questions or concerns, the couple should contact the insurance provider for clarification. By understanding the exclusions, the couple can make an informed decision and ensure that they are adequately protected while traveling together.

Claim Process in Couple Travel Insurance

When it comes to travel insurance, the claim process can be confusing and overwhelming. However, with couple travel insurance, the process is straightforward and simple.

To start the claim process, the couple needs to contact their insurance provider as soon as possible. They will need to provide documentation to their insurance provider for reimbursement of a covered expense. This reimbursement is not guaranteed, and it will depend on the couple’s policy and the specific circumstances of their claim.

The couple will need to provide proof of their expenses, such as receipts, invoices, and any other relevant documentation. They will also need to provide proof of their travel itinerary, such as flight tickets, hotel reservations, and any other relevant documents.

Once the couple has provided all the necessary documentation, their insurance provider will review their claim and determine if it meets the criteria for reimbursement. If the claim is approved, the couple will receive their reimbursement within a few weeks.

It is important to note that the couple should keep all their receipts and documentation throughout their trip, as they will need to provide this information if they need to make a claim. Additionally, the couple should read their policy carefully to understand what is covered and what is not covered under their policy.

In conclusion, the claim process for couple travel insurance is straightforward and simple. By providing the necessary documentation and following the guidelines of their policy, couples can receive reimbursement for covered expenses.

Tips for Choosing the Right Couple Travel Insurance

When it comes to choosing the right couple travel insurance policy, there are a few factors to consider to ensure that you get the coverage you need. Here are some tips to keep in mind:

1. Consider Your Destination

Make sure that the policy covers the destination(s) you plan to visit. Some policies may exclude certain countries or regions, so be sure to check the policy details carefully.

2. Look for Comprehensive Coverage

A good couple travel insurance policy should cover a range of potential issues, including trip cancellation or interruption, medical emergencies, and lost or stolen luggage. Look for a policy that offers comprehensive coverage to ensure that you’re protected in a variety of situations.

3. Check for Pre-Existing Conditions

If you or your partner have pre-existing medical conditions, make sure that the policy covers these conditions. Some policies may exclude coverage for pre-existing conditions, while others may offer coverage with certain restrictions or limitations.

4. Compare Policies

Take the time to compare policies from different insurance providers to find the best coverage at the best price. Look for policies that offer the coverage you need at a price that fits your budget.

5. Read the Fine Print

Before you purchase a couple travel insurance policy, be sure to read the policy details carefully. Look for any exclusions or limitations that may impact your coverage, and make sure that you understand the terms and conditions of the policy.

By keeping these tips in mind, you can choose a couple travel insurance policy that provides the coverage you need to enjoy your trip with peace of mind.

Frequently Asked Questions

What is couple travel insurance.

Couple travel insurance is a type of insurance that covers both individuals in a romantic relationship who are traveling together. It typically provides coverage for a range of potential travel-related issues, such as trip cancellation, emergency medical expenses, and lost or stolen baggage.

What are the benefits of couple travel insurance?

Couple travel insurance can provide several benefits, including cost savings and convenience. By purchasing a single policy that covers both individuals, couples can often save money compared to purchasing separate policies. Additionally, having a joint policy can simplify the process of planning and preparing for a trip.

How does couple travel insurance differ from individual travel insurance?

The main difference between couple travel insurance and individual travel insurance is that couple insurance covers two people traveling together. Individual travel insurance, on the other hand, only covers a single person. Couple travel insurance policies may also offer different coverage options and benefits compared to individual policies.

What factors affect the cost of couple travel insurance?

Several factors can impact the cost of couple travel insurance, including the age of both individuals, the length of the trip, the destination, and the level of coverage selected. Couples with pre-existing medical conditions may also pay higher premiums.

Can couple travel insurance cover pre-existing medical conditions?

It depends on the policy. Some couple travel insurance policies may offer coverage for pre-existing medical conditions, while others may exclude them from coverage. It’s important to carefully review the policy details and speak with the insurance provider to understand what is covered and what is not.

What should I look for when choosing a couple travel insurance policy?

When selecting a couple travel insurance policy, it’s important to consider factors such as the level of coverage, the cost, the deductible, and any exclusions or limitations. Couples should also consider the reputation and financial stability of the insurance provider, as well as any additional benefits or services offered.

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9 Best Travel Insurance Companies of April 2024

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

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

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

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

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

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

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

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

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

SEE FULL REVIEW »

Annual and multitrip policies are available

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

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

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

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

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

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

More limited coverage for baggage issues than other companies

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

Travel insurance policy coverage is tailored to your specific trip

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

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

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

Limited trip cancellation coverage even at the highest tier

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

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

Cancel for any reason coverage costs extra

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

Generous emergency medical and emergency evacuation coverage

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

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

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

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

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

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

Travel Insurance Types: Which One Is Right for You?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Why Trust U.S. News Travel

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

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Couples Travel Insurance: What You Should Know

If you are going abroad on a trip with your significant other, getting couples travel insurance is a worthwhile investment. Maybe you have planned a romantic getaway for you and your loved one to celebrate your anniversary or an important milestone in your relationship, or you might be planning to take your special someone on a trip around the world, and you won’t want to face the slightest hiccup when it comes to your health or any other of your travel arrangements.

Although you want everything to go as planned, the unfortunate reality is that no matter how meticulous you are with your planning, there is a chance that you might run into an emergency or two, which could ruin all the fun of your trip. In such a situation, it’ll be a relief to know that your couples travel insurance is there to bail you out and make sure that you are taken care of properly.

Many people overlook the need to have couples travel insurance on hand unless they’ve previously dealt with such a scenario while on their trips. In this blog, I’m going to give you a quick rundown of how this couples travel insurance works, what it covers for you, and how much you can benefit from having it during your travels with your partner.

Being here shows that you are curious about finding out more about couples travel insurance, and you might have doubts about whether to buy one or not, or you might be a traveler who doesn’t realize the importance of this insurance but hopes to learn more about it. Whatever you are here for, I hope this will answer all the questions that are on your mind, and you will learn about how this couples travel insurance works and the benefits you can get from having it in hand.

So, without any more introduction and delay, let’s start taking a look at what couples travel insurance is about!

What is Couples Travel Insurance?

A joint policy that protects both you and your significant other while you are traveling is known as “couples travel insurance.” It could also work out to be more cost-effective than purchasing two separate policies, and it will certainly simplify the process of filing a claim, as you will only have to deal with a single insurance provider.

This can mean a married couple or simply a couple in a relationship who are cohabiting together. When getting a joint travel insurance policy, you and your partner will usually be offered the same amount of cover. This means both of you will stand to get the same amount of payout should you make a claim.

To put it simply, couples travel insurance policy is the same as for a single person or family. The only difference is that it’s just one policy that covers two people, rather than two separate policies for each person.

Who is Considered a “Couple” for Couples Travel Insurance?

Some insurance providers have specific requirements for what kinds of relationships qualify as “couples,” but in general, a couple is considered to be two people of either gender who are at least 18 years old and who have been living together as a couple. It can refer to a legally wedded couple or a dating couple who have decided to live together.

What are the Perks of Couples Travel Insurance?

Policies may vary, but a comprehensive couples travel insurance policy offers a variety of advantageous features.

Couples Travel Insurance Offers Great Value for Money.

Couples travel insurance will cover any medical costs or hospital bills incurred while traveling outside of the country. Additionally, it covers any unanticipated cancellation fees. It will also cover your personal belongings, luggage, travel documents, credit cards, cash, and cheques. In addition, some policies include personal liability coverage, which safeguards your financial interests if you accidentally injure another individual or damage their property while you are away from home.

Couples Travel Insurance Eliminates the Need to have Two Policies While Saving Money.

Couples travel insurance is fast and simple. There is only one policy available, which means that there is only one policy number, one travel insurance certificate, and one contact number that you need to take with you when you travel. Purchasing insurance jointly can also result in cost savings for the couple. When compared to purchasing two separate policies, purchasing a duo policy will earn you greater savings.

However, if one of you needs specialized coverage (possibly due to a pre-existing medical condition), purchasing couples travel insurance may end up costing more. This is because both of you would be impacted by the increased premium.

What is the Average Cost of Couples Travel Insurance?

Because insurance companies believe that older travelers (those over the age of 65) and those who travel with pre-existing health conditions are more likely to make a claim for medical treatment while they are away, the cost of travel insurance for couples can increase depending on your age as well as the ages of both your partners and any pre-existing medical conditions.

Insurers may also take into account any potentially dangerous activities you want to participate in during your stay and may apply additional fees for additional coverage.

Coverage for destinations outside of Europe is often more costly, with the highest rates associated with insurance for destinations such as the United States, Canada, Mexico, and the Caribbean. This is because, in these regions, the cost of receiving medical care is much higher than in others.

Does the Couple Need to Travel Together?

If you have purchased yearly multi-trip couples travel insurance, there are many policies that will enable you to travel separately while still being covered. Nevertheless, it is important to check the terms and conditions of the policy.

What Happens If One of You Has a Medical Issue?

That is not an issue; all you need to do is make sure that your insurer is aware of your health condition at the time that you make the purchase. Depending on the results of your declaration, the insurance provider may cover the condition at no extra cost, charge an additional premium, impose a medical excess, or even exclude coverage completely, depending on the severity of the disease.

Suppose you have doubts about whether the condition will be covered. In that case, you should make sure to contact your insurer immediately to verify that you and your partner will be covered if the condition results in a claim being filed by either of you.

What’s Covered by Couples Travel Insurance?

Medical expenses.

If you get sick, injured or hurt while on vacation, this should assist in paying for any necessary medical care and any flights back to the United States. You might rack up some very hefty medical expenses if you don’t have travel insurance.

Cancellations

A couples travel insurance coverage can assist in covering the expense of a canceled vacation if you or a travel partner gets sick. Be sure to review the policy’s terms and conditions, which will include the types of cancellations for which you are eligible to file a claim, the maximum amount they will pay out, and any excess payment you will be liable for.

Holiday disruption

Couples travel insurance plans may cover payment for vacation interruptions, including missed departures, delayed or canceled flights, or accommodations.

Stolen personal belongings

If anything becomes lost or stolen while you’re away, your couples travel insurance coverage may help pay for it. It’s important to check your policy details, but many will cover lost or damaged luggage. Always double-check your insurance to determine what it covers and how much you may expect to get in reimbursement.

Medical emergencies

Having couples travel insurance might come in handy if you ever find yourself in need of medical attention in a country where you don’t understand the language. You may contact your insurer’s 24-hour hotline for guidance on things like where to seek treatment and how to go home early if you’re unable to travel.

Personal liability

In the event of an accident, while you are on vacation, you may be held financially responsible for the harm caused to another traveler. Personal liability coverage may serve to protect you in such circumstances.

What’s NOT Covered by Couples Travel Insurance?

Extreme sports.

If you and your significant other like adrenaline-pumping activities, double-check that your travel insurance policy includes coverage for your chosen pursuit. Included in this category are extreme sports like skiing and bungee jumping, as well as any other activity that might result in medical attention.

Pre-existing medical conditions

If you have a current or past medical condition, you must mention it to your insurer. Asthma, diabetes, and heart disease are just a few examples of the kinds of illnesses that fall within this category. Any coverage you have for a pre-existing illness might be canceled if you fail to report it.

Restricted destinations

If you go to a place that the Foreign Office has warned its citizens against visiting, your trip won’t be covered by most insurance companies. Visit USAgov to find out more.

Natural disasters and terrorism

These can include “Acts of God” like storms, hurricanes, and floods, as well as acts of terrorism like bombings and shootings. Check your travel insurance to see what is covered and what isn’t covered before you leave.

Drugs and alcohol

For many people, a vacation isn’t complete until they’ve had at least one drink. Your insurance company may deny payment for injuries or illnesses that were caused by your excessive use of alcohol or drugs.

Be sure you know your selected provider’s position on what defines “extreme” alcohol use by reading the fine print of your policy. Be responsible and don’t go crazy on your vacation, or you could end up with more than just a hangover.

What to Consider Before Buying Couples Travel Insurance?

When purchasing travel insurance, it is important to consider the financial limits for claims as well as the excess amounts. The excess amount is the portion of a claim that the policyholder is responsible for paying out of pocket. Also, when purchasing travel insurance for a couple, make sure to check whether the excess applies per person or per policy.

Also, consider how much you can actually afford to pay towards a claim. Check to see whether the financial limits apply per person or to the policy as a whole. Don’t hesitate to contact your couples travel insurance provider if you have any questions.

By now, you should have proper knowledge of couples travel insurance and how having the right coverage can make the difference between a relaxing vacation and a stressful ordeal. Even the best-laid vacation plans can go awry, but one way you can help ensure that your trip goes smoothly is by investing in couples travel insurance.

So, be smart and keep that in mind for your next vacation, because couples travel insurance will prove itself a valuable ally in helping you avoid those unwanted headaches on your travels.

Click here to learn about camping insurance and things to consider when buying one.

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Travelers Plans How to Travelers Plans in The World

Couple travel insurance.

Travelling with your significant other can be a romantic and exciting adventure. However, unforeseen circumstances such as accidents, illnesses, or trip cancellations can quickly turn your dream vacation into a nightmare. In such situations, couple travel insurance can come in handy. This insurance policy provides coverage for you and your partner while you’re on the road, giving you peace of mind and protection.

What is Couple Travel Insurance?

Couple travel insurance is a type of insurance policy designed for couples who love to travel together. It provides coverage for a range of unexpected events, such as medical emergencies, trip cancellations or delays, lost or stolen luggage, and more. With couple travel insurance, you can rest assured that you and your partner are protected while exploring new destinations around the world.

Why Should You Get Couple Travel Insurance?

Travelling is an adventure, but it also comes with risks. Couple travel insurance can help mitigate those risks, ensuring that you and your partner are protected in case of an emergency. Here are some reasons why you should consider getting couple travel insurance:

• Medical emergencies can be expensive: If you or your partner fall ill or get injured while travelling, medical expenses can quickly pile up. Couple travel insurance can cover the costs of emergency medical treatment, hospitalization, and more.
• Loss or theft of luggage: Losing your luggage or having it stolen can be a major inconvenience when you’re travelling. Couple travel insurance can provide coverage for lost or stolen luggage, ensuring that you can continue your trip without worrying about your belongings.
• Trip cancellations or delays: Sometimes, unforeseen circumstances such as extreme weather or political unrest can force you to cancel or delay your trip. Couple travel insurance can reimburse you for the costs of your non-refundable expenses.
• Peace of mind: Travelling can be stressful, but knowing that you and your partner are protected by couple travel insurance can give you peace of mind and allow you to fully enjoy your trip.

What Does Couple Travel Insurance Cover?

Couple travel insurance policies can vary depending on the provider and the level of coverage you choose. However, most policies typically cover the following:

• Medical expenses: Coverage for emergency medical treatment, hospitalization, and medical evacuation.
• Trip cancellations or delays: Reimbursement for non-refundable expenses if your trip is cancelled or delayed due to unforeseen circumstances.
• Lost or stolen luggage: Coverage for lost, stolen, or damaged luggage.
• Personal liability: Protection in case you accidentally injure someone or damage their property while travelling.
• 24/7 emergency assistance: Access to a 24/7 hotline for emergency assistance while travelling.

How to Choose the Right Couple Travel Insurance Policy?

Choosing the right couple travel insurance policy can be overwhelming, but it’s important to get the right coverage for your needs. Here are some factors to consider when choosing a policy:

• Destination: Make sure that the policy covers the destination(s) you plan to visit.
• Activities: If you plan to engage in adventure sports or other risky activities, make sure that the policy covers those activities.
• Pre-existing medical conditions: If you or your partner have any pre-existing medical conditions, make sure that they are covered by the policy.
• Coverage limits: Make sure that the policy provides enough coverage for your needs.
• Price: Compare prices and coverage to find the best policy for your budget.

Couple travel insurance can provide peace of mind and protection while travelling with your partner. Make sure to choose the right policy for your needs and budget, and enjoy your adventures without worrying about unexpected events!

Q: Do I need couple travel insurance?

A: While it’s not mandatory, couple travel insurance can provide protection and peace of mind while travelling with your partner.

Q: What does couple travel insurance cover?

A: Couple travel insurance typically covers medical expenses, trip cancellations or delays, lost or stolen luggage, personal liability, and 24/7 emergency assistance.

Q: How do I choose the right couple travel insurance policy?

A: Factors to consider when choosing a policy include destination, activities, pre-existing medical conditions, coverage limits, and price.

Q: Can I get coverage for adventure sports?

A: Some policies offer coverage for adventure sports, but make sure to check the policy details to ensure that your chosen activity is covered.

Protect Your Trip »

The 34 best couples vacations.

These incredible trips are sure to inspire romance and relaxation.

(Getty Images) |

Relax and unwind or get ready for adventure on your next couples escape.

(Courtesy of Uncruise Adventures) |

Sail with UnCruise to Hawaii

Take a road trip through Wales

(Courtesy of Baros Maldives) |

Baros Maldives

New York City

Kasbah du Toubkal: Imlil, Morocco

Experience the northern lights and the Iditarod in Alaska

(Courtesy of South Dakota Department of Tourism) |

Take a road trip through South Dakota

(Courtesy of Son Brull Rural Sanctuary) |

Son Brull Rural Sanctuary: Pollença, Mallorca

Bardessono: Yountville, Napa Valley, California

Chamonix-Mont-Blanc, France

(Courtesy of Bucuti & Tara Beach Resort) |

Bucuti & Tara Beach Resort: Eagle Beach, Aruba

Ashford Castle: County Mayo, Ireland

(Courtesy of Acqualina Resort) |

Acqualina Resort: Sunny Isles Beach, Florida

Lucca, Italy

Sarasota, Florida

Sonoma County, California

Take a Christmas markets cruise in Europe

Manuel Antonio National Park, Costa Rica

Awasi Atacama: San Pedro de Atacama, Chile

Nantucket, Massachusetts

Big Sur, California

Scottsdale, Arizona

Château Eza: Eze Village, France

Take a tour of U.S. national parks

Lake Tahoe, California

Drive down Route 100 in Vermont

Jackson Hole, Wyoming

Greenville, South Carolina

Lisbon, Portugal

(Courtesy of Casa Palmero) |

Casa Palmero: Pebble Beach, California

(Courtesy of Song Saa Private Island) |

Song Saa Private Island: Cambodia

(Courtesy of COMO Parrot Cay) |

COMO Parrot Cay: Turks & Caicos

(Courtesy of Excellence Playa Mujeres) |

Excellence Playa Mujeres: Cancun, Mexico

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

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

Published 5:00 a.m. UTC April 11, 2024

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

Cheapest travel insurance of 2024

Why trust our travel insurance experts

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

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

Best cheap travel insurance

Top-scoring plans

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

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

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

Pros and cons

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

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

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

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

Best cheap travel insurance for families

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

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

Best cheap travel insurance for seniors

Evacuation limit per person

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

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

Best cheap travel insurance for add-on options

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

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

Best cheap travel insurance for missed connections

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

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

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost.

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

Factors that determine travel insurance cost

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

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

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

Is buying the cheapest travel insurance a good idea?

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

For example, compare these two Travelex travel insurance plans:

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

Reasons to consider paying more for travel insurance 

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

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

How to find the cheapest travel insurance

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

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

Consider the following factors when comparing cheap travel insurance plans.

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

Is cheap travel insurance worth it?

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

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

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

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

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

Methodology

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

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

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

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

Cheapest travel insurance FAQs

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

Get the coverage you need: Best travel insurance of 2024

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

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

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip. However, the plan costs will vary depending on how many travelers are covered, their ages, how long the trip is, the travel insurance company and plan you choose, plus any upgrades you include.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

What to look for in a policy

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

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

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

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

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

How much travel justifies an annual plan?

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

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

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

How to decide if an annual policy makes sense for you

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

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

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

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

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