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IMG Travel Insurance: Is it Worth The Cost?

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IMG travel insurance plans and costs

Which img travel insurance plan is best for me, can you buy img travel insurance online, what isn’t covered by img travel insurance, covid-19 considerations, is img travel insurance worth it.

• Annual or single-trip policies are available.
• Coverage available for adventure travelers.
• Special medical insurance for ship captains and crew members, international students and missionaries.
• Claim approval can be lengthy.

Are you planning to travel soon? We don’t blame you — spending the last few years dealing with country shutdowns, testing requirements and travel restrictions has considerably impacted everyone.

If you’ve booked a vacation, you may wonder if you should purchase travel insurance. Among a variety of providers from which to choose, IMG insurance offers several different insurance plans. These include both short- and long-term policies, some of which include coverage for issues arising from COVID-19 illness.

Let’s look at IMG travel insurance, its different plans, and how to choose one that’s right for you.

» Learn more: Common myths about travel insurance and what it covers

The type of travel insurance you’ll want to purchase will depend on what kind of travel you’re doing. Are you looking specifically for medical coverage? How about trip insurance in case your plans go awry? You can be reimbursed in various circumstances if you have the proper insurance.

Single-trip plans

Single-trip plans are intended for those going on a trip for a predetermined period and returning home. This is compared to those who intend to take multiple trips within a year or those who will be abroad for a long time.

To get an idea of the options, we input a search for a 40-year-old female from Arizona traveling for two weeks to the U.K. on a $5,000 vacation.

IMG returned a total of 12 different plans. The cheapest plan, at $37.31, was limited strictly to health insurance. This includes coverage of up to $1,000,000 for unexpected illnesses and accidents.

The most expensive option, meanwhile, included medical insurance, trip cancellation insurance, and trip delay insurance. The total cost for this plan came out to $343.96.

Many travel credit cards offer complimentary trip insurance as long as you pay for the trip with your card, though coverage levels may vary.

Annual plans

Annual plans are built for those types of folks who travel often. This can be on many short trips or for longer-term absences from home.

For an idea of the annual plan coverage IMG offers, we put in a search for a 32-year-old man from Oregon, traveling for a year with a budget of $30,000.

In this case, IMG returned a total of 19 different plans. The cheapest plan cost $160.90 for the year and included worldwide health insurance and a deductible of $250.

It’s worth noting that you can alter the deductible amount — upping the deductible to $10,000 dropped the annual cost of the insurance down to just $65.60.

The most expensive option, meanwhile, cost $816.69 and included 24/7 telehealth access for non-emergency medical questions. Maximum coverage limits for the policy range from $2,000,000 to $8,000,000.

» Learn more: How much is travel insurance?

The type of plan you’ll need will vary based on your travel habits. Here are some things you’ll want to think about when choosing your plan:

Look at coverage details

Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important to you if you travel to a remote location or engage in physical activity such as trekking.

More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.

Think long-term

If you’re planning on traveling multiple times within the year, compare the cost of purchasing several different single-trip policies to buying a year-long plan, which may save you money.

Use existing coverage

If you hold a credit card with trip insurance, you may want to skip purchasing insurance entirely. Depending on your card, you may already have emergency medical insurance, trip interruption insurance, rental car insurance, trip delay insurance and more.

» Learn more: How to find the best travel insurance

If you’re looking to purchase IMG travel insurance, you’ll first want to navigate its website: imglobal.com .

From there, you’ll be able to enter the details of your trip, including how many travelers you have, where you’re going and how long you’ll be gone. You’ll then be presented with various insurance plans to fit your needs.

We mentioned above that different plans have different levels of coverage. Still, in general, there are some things that you shouldn’t expect to be covered, including high-risk activities, intentional acts of harm and other designated events.

» Learn more: Does travel insurance cover medical expenses?

You’ll want to be aware that not all insurance plans cover instances of coronavirus. This is also true for IMG travel insurance; different plans have different levels of coverage and not all of these include COVID-19 protection.

If coronavirus is something you’d be covered for, you’ll want to double-check your plan before purchasing. Those that include coverage for COVID-19 will specify so like this:

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

The cost of your travel insurance will vary based on your coverage levels. Things that may bump up the price of your policy may include trip reimbursement insurance, cancel for any reason insurance and pre-existing condition coverage.

Yes, IMG offers international travel insurance. When getting a quote, you’ll be able to select the countries to which you’re traveling, though if you’re looking for a long-term plan, you can expect worldwide coverage.

Whether or not travel insurance is worthwhile will depend entirely upon your needs. If you have a credit card that provides complimentary insurance, that may suffice. Otherwise, purchasing a plan could help bring you peace of mind on your vacation and help you manage an unforeseen challenge if one occurs.

Some IMG travel insurance plans offer Cancel For Any Reason as an add-on. This benefit covers 75% of your nonrefundable trip cost and must be purchased within a specific time frame from your initial trip deposit. For example, for IMG’s iTravelInsured Travel LX plan you need to purchase CFAR within 20 days of trip deposit.

The cost of your travel insurance will vary based on your coverage levels. Things that may bump up the price of your policy may include trip reimbursement insurance,

cancel for any reason insurance

and pre-existing condition coverage.

Travel insurance can be a good option for those wanting coverage while away from home. The cost of your policy will vary based on the coverage you want — the better the plan, the more you can expect to pay.

Choosing whether or not to purchase travel insurance from IMG is a personal decision. However, if you’re heading out of town and want to be sure you’re covered, do your research and select a plan that suits your needs.

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International Medical Group (IMG) Travel Insurance Review – Is It Worth It?

Christine Krzyszton

Senior Finance Contributor

306 Published Articles

Countries Visited: 98 U.S. States Visited: 45

Keri Stooksbury

Editor-in-Chief

29 Published Articles 3093 Edited Articles

Countries Visited: 45 U.S. States Visited: 28

Why Purchase Travel Insurance

Why purchase travel insurance from img, travel insurance and covid-19, types of policies offered by img, how to get a quote, the value of travel insurance comparison websites, to credit card travel insurance, to other travel insurance companies, to point-of-sale coverage, how to file a claim with img, everything else you need to know, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

It’s been especially important to protect our travel investments recently. You’ve likely had to cancel at least 1 trip in the past couple of years, and there’s still the uncertainty of whether future trips could face the same fate.

As a result, seeking out travel insurance that’s both affordable and provides the right combination of coverage has become an essential element of the trip-planning process versus a mere afterthought.

When it comes to purchasing travel insurance , it can be difficult to know where to start. Whether you conveniently buy the coverage offered when you purchase your trip, compare travel insurance companies and policies in-depth, or rely on your credit card with travel insurance , having as much information as possible can be helpful in making a decision on travel insurance.

Today we’re going to focus on 1 specific travel insurance company, International Medical Group, Inc. (known as IMG or IMGlobal). We’re also going to talk briefly about travel insurance in general, give you some tips on finding the best travel insurance value, and provide some direction when faced with the decision of whether you need to purchase coverage.

We’ll get to our review of IMG in short order, but let’s start by briefly discussing why you’d want to consider purchasing travel insurance.

Travel insurance provides protection for economic loss should unexpected covered events occur prior to and during your travels. The more money you have at risk, the greater the need to consider travel insurance.

If you’re simply purchasing a domestic flight and hotel for a weekend away, you may not need to purchase travel insurance.

However, if your trip includes a lot of non-refundable expenses or your itinerary is complex (increasing the chances that something could go wrong), you’ll want to be fully protected.

In addition, if your trip includes potentially dangerous sports activities , you’re visiting remote locations, or if you will not have medical insurance during your travels, you’ll also want to strongly consider travel insurance.

Here are some sample situations where travel insurance could provide protection:

• You’re on safari, become seriously ill, and need to be evacuated to the nearest hospital.
• There is severe weather, your flights are canceled and you must stay at a hotel overnight before continuing your trip.
• An immediate family member passes away causing you to cancel your trip.
• You’re skiing, fall, and break your leg.
• There is a flood, your home becomes uninhabitable, and you must cancel your trip.

Bottom Line: If your trip is expensive, has a complex itinerary, you’re visiting a remote location, or you need medical coverage during your travels, you should consider a comprehensive travel insurance policy.

There are a lot of companies from which to select when purchasing travel insurance. The bottom line, however, is whether the company is financially sound, can pay its claims, offers a policy that is affordable, and has coverage matching your needs.

IMG checks all those boxes as a leading provider of international health insurance, travel medical insurance , and comprehensive travel insurance. The company’s parent company, SiriusPoint America Insurance Company, is rated A- (Excellent) by prominent insurance financial rating company A.M. Best . Additionally, IMG has been around for over 25 years, so you know you’re dealing with an established company.

IMG has also been accredited by the Better Business Bureau since 2005 and has an A- rating. The company has had 59 complaints in the past 3 years, the majority of which were concerns with products/services typical of other insurance company complaints, including claims processing.

Whether IMG has the exact policy that matches your needs and is affordable for you requires more research. We’ll be digging deeper into examples of its policies and pricing later in this article.

First, however, let’s talk about COVID-19 and how IMG may provide related coverage.

In the light of the pandemic, we’ve all become more aware of the need for travel insurance. Perhaps you’ve had to cancel a trip due to the fear of getting ill while traveling, or borders were shut down, making it impossible to travel to your destination.

Unfortunately, travel insurance does not cover these situations unless you have purchased Cancel for Any Reason insurance . This add-on to your travel insurance policy offers protection when you feel the need to cancel for any reason . The coverage can be expensive and only 50% to 75% of your trip expenditure will be covered.

Many travel insurance companies include coverage for COVID-19 for medical coverage, trip cancellation, trip interruption, and trip delay. Some companies exclude COVID-19.

IMG treats COVID-19 as any other illness on the company’s iTravelInsured travel protection plans. It also offers a Cancel for Any Reason insurance add-on, depending on the policy you select. IMG may exclude coverage from some of its medical plans if your destination is designated as having a Level 3 warning by the Department of State (DOS) or the Center for Disease Control (CDC).

Bottom Line: Travel insurance does not cover voluntary trip cancellations due to fear of getting ill or cancellations for borders that have been shut down due to COVID-19. You would need to purchase Cancel for Any Reason insurance to have coverage. IMG offers this add-on option with some of its plans. 

IMG offers 25 different insurance plans, ranging from basic travel medical insurance, comprehensive travel insurance, cruise and sports coverage, international medical insurance, and more.

The company is known for its international medical insurance offerings , including plans for visitors to the U.S. (including non-U.S. citizens, students, and exchange visitors). U.S. citizens traveling abroad will find several comprehensive travel insurance plans that include medical coverage or plans that have strong medical coverage with ancillary travel insurance.

The company also offers insurance that complies with Schengen visa requirements, specialized plans for government service workers, for marine captains/crew, and for those doing mission work.

Let’s look at a comparison snapshot of a few of the most popular plans offered by IMG and some of the coverage combinations you can expect to find.

This is just an overview of the core coverage offered by 3 of IMG’s travel insurance plans. Descriptions are abbreviated and are meant for comparison only.

Bottom Line: IMG offers a large variety of plans that allow you to select the type and level of coverage you prefer. In addition to comprehensive travel insurance plans, the company offers travel medical plans for visitors to the U.S. and plans for U.S. citizens when traveling both internationally and in the U.S.

Obtaining a quote from IMG for your trip is simple. You’ll need to provide your age, where you reside, and your primary trip destination. You’ll also need to provide the dates of your trip and the total cost of your trip.

Once you hit submit, you’ll receive an instant quote for several different plan options. You can compare coverages, pricing, and then select the plan that fits what you’re looking for.

You can then purchase the plan and coverage will start on the date you selected.

You will have 10 days to review the plan. If you’re not satisfied, you will receive a full refund.

Bottom Line: You can receive an instant quote on the IMG website by providing minimal information. You can also immediately purchase the policy and be covered for the date you selected. 

Chances are we wouldn’t purchase a new vehicle without shopping around to find the best value. Fortunately, comparing travel insurance policies to find the best value requires a lot less effort.

Travel insurance comparison websites simplify the process making it easy to compare dozens of companies and hundreds of policies, all in a few minutes.

You’ll need to input your trip and traveler information including where you reside, the cost and dates of the trip, whether you want an annual multi-trip policy, and the date you wish coverage to begin.

Also, all of these comparison sites offer click-through links to COVID-19 coverage information for each featured company.

Here are some of the best travel insurance comparison websites to get you started:

• Squaremouth — Squaremouth compares a wide variety of policies, including annual plans that cover every trip you take within a 1-year period, medical travel insurance, single-trip coverage, and plans that cover sports/special activities.
• Insure My Trip — Insure My Trip is a good source for comparing comprehensive single- or multi-trip plans that include medical coverage.
• TravelInsurance.com — While the site does not compare medical-only plans, it offers comparisons of comprehensive travel insurance plans.
• AARDY.com — We like AARDY as it does a great job of comparing dozens of highly rated travel insurance companies. We don’t like having to provide our email in order to obtain a quote, however.

Bottom Line: Travel insurance comparison websites help you compare the best companies and policy options in a minimal amount of time. You can also purchase the policy after your search and receive immediate coverage. 

How IMG Compares

Let’s look now at how IMG compares to the complimentary travel insurance coverage on your credit cards, to other travel insurance companies, and to the point-of-sale travel insurance offerings you might find when purchasing flights or travel packages.

Here’s how IMG compares:

If your trip is simply a flight and a short hotel stay, the travel insurance that comes with your credit card could provide you with all the coverage you need.

Once your trip becomes more complex, or more expensive, the need for travel insurance becomes greater. In either of these situations, or if you need medical coverage for your trip, the coverage that comes on your credit card will not be sufficient.

One important element is that most of the coverage provided on your credit card is secondary , meaning you must file a claim with other insurance first. You could potentially have to deal with the travel provider, the credit card company, any other insurance that may cover the loss, and the claims administrator.

Having a comprehensive travel insurance policy, like those sold by IMG, could simplify the process, especially for a complex trip involving several providers.

To learn more about the best credit cards for travel insurance , we invite you to check out our informative article.

Bottom Line: The travel insurance that comes complimentary on your credit card may be sufficient enough to cover a simple trip, perhaps just consisting of a flight and hotel. Expensive, more complex trips, or those requiring medical coverage, will be better served by purchasing a comprehensive travel insurance policy. 

Using a travel comparison website like the ones mentioned previously allows you to compare companies and policies quickly .

While plans and prices will vary widely depending on your trip and personal criteria, we created a quote based on a single-trip, 1 week in length, involving a traveler 40 years of age, with a total trip cost of $2,000.

The above quote does include CFAR insurance. But even without it, IMG came out higher than most competitors. Policy coverage was identical in most cases but IMG did offer $1,000,000 evacuation coverage, $10,000 in search-and-rescue coverage, and coverage for rented sporting equipment.

When we look at travel medical coverage plans, IMG becomes more competitive (using our limited example). You will find some travel insurance coverages are also provided, making this option a consideration if you’re looking for a medical-specific plan.

Your criteria could change the comparisons entirely. That’s why a travel insurance comparison website is an essential tool when seeking out the best value in travel insurance.

Bottom Line: While our limited comparisons showed IMG plans as being higher than the competitors, this may not be the case for your specific trip and policy preferences. Plans that focused on medical coverage tended to be more competitive. Always compare options to find the best value for you. 

The coverage options provided at checkout when you purchase a flight, vacation package, or other travel, can be limited. Additionally, the coverage is focused on cancellation and interruption coverage and only for the specific reasons listed.

To illustrate how IMG would stack up against point-of-sale coverage, we looked at the coverage and cost of insuring the same flight as the point-of-sale coverage above. For just a few dollars more, with IMG you would have emergency medical and evacuation coverage, and trip delay coverage. The point-of-sale plan covers just trip cancellation/interruption for up to 100% of the trip cost.

Bottom Line: In our limited example, even a budget policy purchased from IMG offers more coverage than a point-of-sale policy of a similar price. Always compare prior to purchasing, as rates will vary based on trip criteria. 

If you need medical treatment during your travels, in many cases IMG can work directly with the medical provider. But if you also need to file a medical claim, the best way to get started is to complete the online claim form .

As the filing of a claim for a baggage delay can be quite different than filing a medical claim, and the documentation required will certainly differ, you’ll want to begin by using a claim form designed for your specific type of loss.

You can select the associated form on the company’s claim center website . Each individual claim form lists the unique required documentation you will need to submit for that type of claim.

You can also contact the company by calling 866-243-7524, 317- 655-4500, or 317-655-9796. On each claim form, there is also an address, phone number, fax number, and email that may differ depending on the type of claim.

Be aware that there are deadlines for reporting claims and submitting all of the required documentation and these timeframes can differ depending on the type of claim.

Bottom Line: The best way to submit a claim is by completing the online claim form specific to the type of claim, which is available on the company’s claim center website. On the claim form you will find the associated phone number, address, email address, and fax number to help facilitate your claim should you need this additional information. 

Be aware that some of the plans IMG offers may provide secondary coverage versus primary coverage. This means that you must first file a claim with any other insurance that may apply.

You can feel comfortable purchasing a policy from IMG as you’ll have 10 days from the date of purchase to review the plan and get a full refund if you’re not satisfied.

We were able to obtain a quote for travelers up to and including age 99. Coverage levels and pricing vary by age.

While we have focused on individual travel and medical insurance in this article, IMG does have an Enterprise division that provides services to corporations and other organizations.

IMG is a good choice as a travel insurance company due to its financial stability and the fact it has been in business so long. However, you’ll need to compare plans and pricing with competitors to make sure the company provides the best value for you personally when purchasing a comprehensive travel insurance plan.

If you’re looking at insuring a single trip of short duration, the company can provide solid value over point-of-sale policies by delivering more coverage for similar economic outlay.

Additionally, the company’s travel medical insurance plans with primary coverage could provide you with solid medical coverage during your travels for minimal cost.

For more information on the basics of purchasing travel insurance , the best travel insurance companies , and how travel insurance works with COVID-19, visit our additional articles on these topics.

Frequently Asked Questions

Is img a good travel insurance company.

Yes. IMG is an established company backed by highly rated companies. The company is accredited by the Better Business Bureau with an A- rating.

Does IMG sell Cancel for Any Reason Insurance?

Yes. Cancel for Any Reason insurance is available as an add-on to some of the plans offered by IMG. However, just like other travel insurance providers, there’s a limited window of time to purchase the coverage. There are also limits on the percentage of trip costs that are covered.

What is IMG visitors insurance?

IMG offers several levels of medical plans for visitors to the U.S. These plans can cover students and visitors traveling on J-1 and J-2 visas, including non-U.S. citizens.

How can I contact IMG?

You can reach IMG by calling 866-243-7524, 317- 655-4500, or 317-655-9796. If you are out of the U.S., you can call collect.

You can also reach the company via email at [email protected] or by mail at International Medical Group, Inc., P.O. Box 88500, Indianapolis, IN, 46208.

Does IMG cover COVID-19?

IMG treats COVID-19 the same way it treats any other illness on many coverages including medical, trip interruption, trip cancellation, and trip delay.

You may also have the option to purchase Cancel for Any Reason insurance on some of its plans.

Be sure to check the specific policy prior to purchasing for related COVID-19 coverage.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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Reviews, Sales, and Service Ratings for IMG

0.3% (183) negative reviews to sales Average on Squaremouth is 0.2%

• 5 stars 1126
• 4 stars 351
• 3 stars 182
• 1 star   110
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Customer Reviews for IMG

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

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early Janurary, I made a claim and IMG found every excuses to not process the claim.

frist it took very long time to get response ( 20 to 40 days to get one response) .

in their first response , IMG claimed my address was in US, after I explained the reason I purchased the insurance while I have already in US because the first 31days I have group insurance coverage. then after another 20 days or so, IMG asked me to provide the prove of my residency, I send all my drivers license and passport and our hotel bills gas bills even my candian Tax return, it took another 25 days(I have already back to Canada) that I have received an email to deny the claim ,the reason was I need to purchase an insurance before my trip.(back to the same circle)

IMG is very difficaut to communicate , the call center staff will not answer any questions, the only response from them was "I can escalate your request," then everything I have to communicate through online.

I have purchased travlor insurance from Square mouth for two years , only made one small claim, and it was declined after over three month difficulty communication . it would be appreciated if you could contact me at 403-4722899 between May8th to May 17th

It is a good thing that we purchased the travel insurance. We never thought we will need it, my husband came down w pneumonia and had to be hospitalized for 3 days in South Africa. I called the customer service line and they gave me the link for the claim, the service was professional and speedy.

keep up the good work

Easy enough to purchase -

Process was clear. Reimbursement was prompt and complete.

IMG's review process is extremely long. It takes 10-12 days to even assign a claim reviewer. I am not impressed with IMG.

The claim process with IMG was awful from the beginning. I had a very ill child, and had to cancel my trip- I had very detailed documentation from medical doctors to provide. IMG asked that I use their online portal, which I did, after which point there was no way for me to retireve or check on my claim information- it seemed to disapper. Although IMG did send an email saying it was received. I then heard nothing for months, and every IMG customer service representative I spoke to told me different things- one said my claim was "not found at all" and that there was nothing I could do but re-submit, and then another "found it" all of a sudden. Their claims representatives are very rude and unhelpful. I asked that the claim be escalated, and only then did I hear back via email, asking that I re-submit the exact same documents that I already had- very frustrating. I then had my claim denied, despite having a non-refundable dining event that the policy clearly covered. I asked that SquareMouth assist me via their "Zero Complaints" process, but they simply sided with IMG, and also overlooked the non-refundable event, and all of the detailed evidence I provided. I disputed the cliaim with IMG, and they decided the policy DID cover it, and refunded the amount. I'm highly dissapointed with both IMG and Squaremouth. Buying a policy is of course easy and seamless, yet when it's time for them to honor it, as well as their own customer service promises, they fall short.

We had to cancel our trip due to illness and I was pleased that the claim process was so smooth. I simply uploaded documents. The communication about the claim process was a little confusing at first because it had a different name from the policy, and I almost missed the email that contained the reimbursement information. But all in all, I was so pleased that our claim was handled without issue.

always like doing business w you

I was surprised to learn that if I missed getting on the cruise my only option was a refund not getting me to the next stop to meet up with the cruise.

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International Medical Group (IMG) Travel Insurance Review (2024)

Learn what IMG travel insurance has to offer and if it’s the right trip and medical insurance for your next getaway.

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

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

If you’re looking for comprehensive medical insurance for your upcoming trip, International Medical Group (IMG) is worth considering. Founded in the late 1980s, IMG is a worldwide travel insurance provider offering up to $8 million in emergency care and medical evacuation coverage — more than 10x that of many competing insurance providers. Special policies are also available for students and seniors, with premiums below $100 per person on many basic plans.

With lower premiums and higher-than-average coverage limits, IMG can be an appealing choice to insure your next international excursion. However, we believe there are other better options for travel insurance coverage.

Our Take on International Medical Group (IMG)

In our comprehensive review of travel insurance providers , we awarded IMG a total score of 4.4 out of 5 stars, with its standout offering being a diverse range of plan options. From students traveling with a visa requiring medical insurance to sports professionals who need equipment insurance, IMG offers a selection of more than 10 plans for most international travelers. Comparatively, many travel insurance providers only offer up to three plan options.

IMG’s policies also have coverage limits that go above and beyond most other travel insurance providers. For example, medical limits go up to $8 million with IMG, while most other companies offer options up to $1 million or less. This can make IMG an appealing choice for travelers concerned about potential medical emergencies. IMG also offers a wide range of added coverages not seen with most other providers — like benefits toward missed flights and pet kennel bills — though inclusions vary by plan.

However, be sure to read IMG customer reviews before you buy. Negative customer reviews on the company’s Better Business Bureau (BBB) and Trustpilot profiles consistently mention a failure to pay out claims and negative experiences with customer service professionals. IMG also does not include baggage delay benefits in its most economic plans.

Why Trust MarketWatch Guides

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

Companies Reviewed

Quotes Collected

Rating Factors

IMG Pros and Cons

Compare img to other travel insurance companies.

IMG is not the only travel insurance provider available — and the best provider for your needs will vary depending on the details of your trip. Browse the table below to learn more about additional coverage options from other providers.

The destination you are traveling to can also play a role in the best travel insurance provider for your needs. For example, if you are traveling to a rural area with limited access to a hospital, you might want to prioritize a policy with comprehensive medical evacuation benefits.

Explore travel insurance providers based on destination using the dropdown below.

What Does IMG Travel Insurance Cover?

One of the most unique features of IMG travel insurance is the variety of policy options it offers. In most parts of the U.S., you can access 15 unique travel insurance plans, which vary based on the level of coverage and types of benefits included. Medical coverage limits are available with benefits up to $8 million, and you can also find millions worth of evacuation coverage. If you are an older traveler or traveling to a more remote area where you could need medical care, IMG’s higher-tier plans could be worth the cost.

IMG also offers specific plan options for students traveling on visas that require a certain level of medical insurance, visitors to the Schengen area and even sports travelers looking for equipment protections. If you are a student or need unique coverage inclusions, IMG’s range of policy choices might offer a more customized fit than other providers.

Let’s take a look at a few of IMG’s most popular travel insurance policy options and what each covers.

iTravelInsured Travel SE

The iTravelInsured Travel SE policy is IMG’s primary option for travel medical and cancellation coverage. This plan includes the following major benefits:

• 100% trip cancellation coverage
• 150% trip interruption coverage
• $125 per person per day trip delay benefits (up to $2,000)
• $150 to cover airline change fees
• $250,000 worth of primary medical expense coverage ($1,000 limitation on dental care)
• $500,000 worth of medical evacuation coverage

The policy also includes extra benefits, like a supplement for pet kennel expenses and missed connection costs. Overall, the iTravelInsured Travel SE policy is an affordable option that provides competitive benefits compared to other major travel insurance providers.

Patriot International Platinum

The Patriot International Platinum plan is a medical-oriented travel insurance policy offering customizable medical insurance with up to $8 million worth of coverage. This maximum benefit is significantly higher than other providers, making the Patriot International plan a strong choice for anyone concerned about international health insurance bills. This plan also offers benefits for:

• Emergency medical evacuation up to your total medical coverage limit
• $25,000 toward natural disaster evacuation services
• $100,000 toward politically-oriented evacuations
• $50,000 worth of accidental death and dismemberment (AD&D) coverage

With lower premiums and customizable medical maximums, this policy can also be a strong choice for students who need to maintain medical coverage as a term of a study abroad visa.

IMG’s comparison platform makes it easy to determine which plans best fit your coverage needs and budget.

iTravelInsured Travel LX

Travelers looking for both comprehensive travel and medical coverage can explore the all-inclusive iTravelInsured Travel LX plan. This plan includes:

• $250 per person per day trip delay benefits (up to $2,000)
• $300 to cover airline change fees
• $500,000 worth of primary medical expense coverage ($1,000 limitation on dental care)
• $1 million worth of medical evacuation coverage
• Up to $10,000 toward search and rescue expenses
• $2,000 in sports equipment rental coverage

Like the SE plan detailed above, the iTravelInsured Travel LX policy includes extended additional benefits for pets and other considerations you might have abroad. This policy can be most beneficial for covering a high-value trip or adventure travel to a rural destination thanks to the extra evacuation and emergency search benefits.

The table below summarizes IMG’s most popular plans compared to some other policy options.

IMG Add-On Options

Add-ons, or riders, are benefits you can include in your policy, often for an extra fee. Below are optional add-ons and features available in higher-value IMG plans:

• Accident death and dismemberment
• Cancel for any reason coverage
• Change fee coverage
• Interruption for any reason coverage
• Natural disaster evacuation coverage
• Political and personal security evacuation coverage
• Rental car damage and theft coverage
• Pet kennel coverage
• Search and rescue coverage
• Sports equipment rental coverage

What’s Not Covered by IMG Travel Insurance?

While IMG offers higher medical benefits than some other insurers, its policies do not cover every situation. The following are some exclusions laid out in IMG’s most popular travel insurance plans and where you might want to shop for coverage if these inclusions are important to you.

• Pre-existing conditions: If you’re older or have a pre-existing medical condition that could affect your trip, you might want to look for a travel insurance provider that offers a longer window to add this coverage. With IMG, you must purchase travel insurance coverage 14 days after your initial trip deposit to have medical coverage extended to pre-existing conditions.
• Business equipment: While IMG offers specialized policies with inclusive athletic equipment coverage, it does not have policies with business equipment coverage . If you are traveling for work, consider a provider like Berkshire Hathaway, which offers this coverage as an optional add-on.
• Electronics and jewelry: Like most travel insurance providers, IMG’s policies include exclusions for the full value of expensive items like jewelry, cell phones and laptops. If you must bring these items, consider a provider like HTH Worldwide that offers added rider choices for high-value items.

Cost of IMG Travel Insurance

According to our review, the average IMG traveler can expect to pay about $217 for premium coverage. While this number is comparable to other travel insurance providers, IMG also offers medical policy options for as low as $30 per traveler. If you are shopping on a budget, we recommend browsing IMG’s large list of plan options, as customizable coverage choices can help you adjust pricing.

The type of trip you are planning also plays a role in pricing. Browse the table below to learn more about how trip details can influence the price you pay for travel insurance.

IMG International Travel Insurance Cost

The price of international travel insurance varies depending on the benefits offered. To help you get a better idea of what you might pay for IMG’s top travel insurance policies, we requested quotes for a 30-year-old couple planning a $7,000, week-long trip to the United Kingdom. The table below summarizes the quotes we gathered.

*Quotes in the table above were collected directly from the provider’s website, and are accurate as of November 2023. Pricing for Patriot plans reflects a $2 million medical coverage limit.

IMG Domestic Travel Insurance Cost

IMG’s most popular travel insurance policy options also offer coverage for U.S. travelers taking domestic vacations across the country. To help you get an idea of the cost of IMG’s domestic coverage, we requested quotes for a 35-year-old American traveler taking a domestic vacation valued at $2,000. The table below reflects the quotes we received.

*Quotes in the table above were collected directly from the provider’s website, and are accurate as of November 2023. 

Note that Patriot plans are not currently available for U.S. residents traveling in the U.S.

Read More: Travel Insurance For Parents Visiting The USA

IMG's iTravelInsured Customer Reviews

IMG gets many positive reviews on review sites that say the company provides transparent policies that clearly list what’s covered. However, there are some negative reviews about glitches with the IMG website and general frustration with website performance. Others have complaints about canceling trips and not receiving expected coverage.

Overall, IMG Global gets 4.6 out of 5 stars from nearly 7,000 reviews on Trustpilot. Here are four examples:

“This website makes it very easy to find what type of insurance I need. I have been using IMG for five years for all my international trips.” — Tao “The process is clear and simple, and the product is well-priced for an extensive range of coverage. I use it for both business and personal travel.” — Meagan “The website application process is frustrating. I had to continue to clear my cache five times to get it to work… One more time of not working, and I was going with someone else. Fortunately, it worked on the sixth attempt…” — Warren “We never traveled to Turks and Caicos but they charged us the full amount even if we canceled more than one month before the trip!” — Luca Montebugnoli

We reached out to a representative by email for comment on the reviews above and received the following statement:

“At IMG, our mission is to be an exceptionally innovative partner that provides creative and practical solutions, and our staff strives to ‘Be There’ to protect and enhance the well-being of our customers every day.

We appreciate the time our customers take to share the experiences they’ve had with our company to further connect others to the travel and health safety solutions we provide for those traveling, living or working away from home.

We understand how important it is to provide high-quality service to our customers, which is evidenced by our overwhelmingly positive Trustpilot reviews, and we are committed to providing every customer with the best possible experience.”

How To File a Claim with IMG Travel Insurance

The fastest and easiest way to file a claim with IMG travel insurance is through your customer portal. Here is a quick breakdown of how to use it:

• To file a claim, click the “My Claims” button in your customer portal. Here, you will be guided through next steps to provide documentation based on your claim type.
• Gather supporting documents to upload to your portal. The type of documents you need will vary depending on the type of claim you’re filing. For example, if you need reimbursement for travel expenses, you can provide a trip invoice, itinerary or confirmation showing details of your trip.
• After submitting your claim, a representative will review your documentation and compare it with coverage on your policy. The representative should get back in touch with you to arrange a reimbursement.

IMG also allows you to file a claim through the mail or using a fax machine. Explore policy documents and claims forms you might need using IMG’s claims center .

Is IMG a Good Choice for Travel Insurance?

Overall, IMG is a strong travel insurance provider for both international and domestic coverage. Its higher medical limits can be appealing to those worried about medical coverage or older travelers using Medicare, which does not offer primary health insurance benefits abroad. IMG’s policies can also be worthwhile options for students, athletes and anyone else with unique visa-based coverage needs.

However, customer reviews suggest some issues with customer service and claims handling. While not representative of every experience, this might be an issue for customers who value concierge-level coverage or those worried about traveling abroad for the first time. No matter your coverage needs, we recommend getting a quote from at least three competing providers to find the best plan at the right price for your trip.

Frequently Asked Questions About IMG Travel Insurance

Is img good travel medical insurance.

Certain IMG travel medical insurance plans may meet healthcare insurance requirements for the J1 and J2 visas, which can make IMG a solid option to consider for international students participating in U.S. exchange programs. For other travelers, IMG has travel medical plans that include up to $8 million in coverage with deductibles from $0 to $25,000. Some plans are renewable, which could make it a good choice for group trips and extended stays abroad.

Does IMG Global cover COVID?

IMG policies cover COVID-19 like other illnesses. If you have to cancel a trip or your trip gets interrupted because you fall ill from the virus, nonrefundable costs such as airfare and prepaid hotel stays may be reimbursed.

Is IMG Global good for international travel?

The variety of international travel plans and travel support make IMG an option worth considering for international travel. Customer assistance is available 24/7 and has services such as medical referrals, lost luggage assistance, emergency cash transfers, legal referrals and emergency translations while you’re away.

What company underwrites IMG travel insurance?

IMG’s travel insurance policies are insured by SiriusPoint and Crum & Forster . Both of these companies maintain A.M. Best ratings of at least an A- , indicating IMG is very likely to be able to continue paying its policy payouts for the foreseeable future.

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Other Travel Insurance Providers To Consider

• Nationwide Travel Insurance Review
• Faye Travel Insurance Review
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• World Nomads Travel Insurance Review
• Travelers Travel Insurance Review
• WorldTrips Travel Insurance Review
• Allianz Travel Insurance Review
• HTH Travel Insurance Review

Methodology: Our System for Ranking the Best Travel Insurance Companies

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

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

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Get a quote today., img travel insurance: plans, costs, reputation, and services.

IMG specializes in providing travel medical insurance to individuals, families, and groups who are traveling, studying abroad, or even living abroad.

Its customer service is multilingual and available 24/7.

It has an A+ rating from the Better Business Bureau (BBB) and offers the ability to insure as an individual, family, group, or all three, helping you to minimize coverage gaps.

IMG Travel Insurance Coverage & Plans

Though IMG has three coverage selections for trip insurance, it really shines when it comes to travel medical insurance.

IMG offers medical coverage for vacations or other trips as well as international health insurance.

The company is a great option to consider for groups, students, or others who will be working or studying abroad for extended periods of time.

Available Plans:

• Comprehensive
• Trip Cancellation/Interruption
• Accidental Death

Travel Insurance Plans

IMG’s iTravelInsured product line has three different policy options covering a number of potential financial losses including trip cancellation, baggage delay, and emergency medical evacuation.

These plans cover you throughout your entire trip, and some even provide Cancel For Any Reason (CFAR) benefits.

iTravelInsured Travel Lite Insurance

• As IMG’s lowest-priced travel insurance program, the iTravelInsured Travel Lite insurance plan is designed for people who want to protect themselves against trip cancellations or trip interruptions.
• It also provides coverage for travel and baggage delay, as well as access to IMG’s non-insurance emergency travel assistance.

iTravelInsured Travel SE Insurance

• The Travel SE plan is IMG’s most popular travel insurance plan for both domestic and international destinations.
• This plan includes coverage for extra expenses your family could incur due to travel delays such as movie rentals, internet usage fees, and additional kennel fees for pets.

iTravelInsured Travel LX Insurance

• For travelers willing to pay a little extra for peace of mind, IMG’s Travel LX plan provides the highest level of benefits, including Cancel for Any Reason and Interruption for Any Reason coverage.
• This plan is a good choice for those considering adventurous activities or those planning a trip to remote or exotic locations.

Medical Insurance Plans

IMG offers a variety of medical insurance plans that cover visits to doctors, hospitals, or other licensed providers , including dentists.

In the event of a severe health issue, you may need emergency medical coverage to insure things such as evacuation and repatriation.

Medical coverage is even available for those with preexisting conditions, and there is no age limit for coverage.

Patriot Travel Medical Insurance

• IMG’s most popular plan, it provides coverage for individuals, families, and groups who need temporary medical insurance while traveling for business or pleasure anywhere outside of their home country.

Patriot America Plus

• This plan is for non-U.S. residents who need temporary medical coverage when traveling to the United States for a minimum of five days.
• There are a wide variety of plan limits and deductible options.

Patriot Exchange Program

• As its name indicates, this plan is specifically designed for students or groups studying abroad.
• IMG states that most plan options are designed to meet the U.S. J1 and J2 visa travel insurance requirements.

Visitors Care

• This plan for non-U.S. citizens offers a selection of scheduled benefits for those traveling or temporarily living outside their home country for at least five days.
• It can be renewed for up to 24 months.

Patriot Platinum Travel Medical Insurance

• This IMG medical travel insurance plan provides maximum coverage for short-term trips and vacations.
• It allows you to choose from an extensive range of deductibles and maximum limits and includes exclusive access to IMG’s Global Concierge and Assistance Services.

Global Mission Medical Insurance

• Global Mission medical insurance from IMG is a long-term plan that can be renewed each year and provides worldwide medical insurance coverage specifically for missionaries.

Student Health Advantage

• This plan is for individual or groups of five or more students participating in sponsored, study abroad programs who need a comprehensive plan that can be renewed yearly.
• IMG claims that this plan meets student visa requirements and includes benefits for maternity, mental health, organized sports, and international emergency care.

Outreach Travel Mission Advantage

• This plan is specifically designed for U.S. citizens and non-U.S. nationals who need short-term medical insurance while traveling for international outreach anywhere outside of their home country.

GlobeHopper Senior Travel Medical Insurance

• This plan is for U.S. citizens and U.S. permanent residents over the age of 65 and who need temporary medical insurance for trips outside the United States.
• It has both single-trip and multi-trip coverage options.

Student Health Advantage Platinum

• This plan is for individuals and groups of five or more students or scholars that participate in sponsored study abroad programs and who need an annually-renewable plan.
• It meets student visa requirements and includes maternity, mental health, organized sports, and international emergency care benefits.

Patriot Multi-Trip

• For those who take multiple trips abroad each year, the Patriot Multi-Trip plan could be a cost-effective option.
• Coverage choices are available for both U.S. citizens and non-citizens.

IMG Travel Insurance Costs

Though it can be challenging when you are tallying up expenses for your upcoming vacation, it’s wise to plan for the cost of travel insurance.

When programming your trip, you should budget between four to eight percent of the total cost of the trip for travel insurance.

The price is generally based on three factors: the length of the trip, the destination, and the age of the policyholder.

In general, longer trips cost more than shorter ones, international destinations are more expensive to cover than domestic ones, and older policyholders will usually pay more than younger ones.

IMG also offers annual or renewable plans for frequent travelers and, for most plans, dependents under the age of 18 are covered along with their parents.

Check out the IMG website for a quote based on your specific details.

If for some reason you don’t wind up needing IMG’s travel insurance, you may submit a cancellation request and receive a full refund within ten days of the effective date of your coverage.

IMG Travel Insurance Reviews & Reputation

When it comes to IMG travel insurance’s reputation, reviews are somewhat mixed.

While IMG has earned an A+ rating from the Better Business Bureau (BBB), customer reviews on the BBB website average less than two out of five stars.

However, IMG has been accredited by the BBB since 2005, and only has 15 customer complaints lodged against it within the past three years. Most of the complaints are categorized as billing issues.

Trustpilot gives IMG three out of five stars, which is an average score.

As is typical for insurance companies, many of the negative reviews come from customers who had billing or coverage disputes.

Customer Assistance Services

IMG prides itself on its 24/7 customer service and multilingual staff.

The IMG website lets you browse through policy options so you can choose what plan works best for you, your family, or your group.

The website also lets you build an instant quote, compare policies, and buy your choice of packages online.

IMG’s online support service, MyIMGSM, provides online access to local providers, explanation of benefits, claims status, ID cards, and certificate documents.

There is a paperless submission option for claims, though faxing or mailing is also permitted.

IMG also offers a convenient mobile app.

IMG Travel Insurance Financial Stability

When you decide to purchase insurance, you want to know the company is reliable.

To that end, IMG has the financial stability of an established international insurance company, providing peace of mind for the consumer.

IMG is underwritten by Sirius International Insurance Corporation, a wholly-owned subsidiary of CM International Holding Pte. Ltd, which is rated A (excellent) by A.M. Best and A- by Standard & Poor’s.

These high ratings should make potential purchasers very comfortable.

IMG Travel Insurance Phone Number and Contact Information

Homepage URL : https://www.imglobal.com

Company Phone : 1-800-428-4664

Headquarters Address : 2960 North Meridian Street, Indianapolis, IN 46208-4715

Year Founded : 1989

Best Alternatives to IMG Travel Insurance

Not satisfied with what IMG has to offer? These companies provide great travel insurance alternatives:

Additional Providers

There are several other travel insurance providers that deserve consideration as well which you can see in our Best Travel Insurance Companies article.

These companies didn’t make our list of top providers but we have created some more detailed reviews  that you can view below:

• Allianz Travel Insurance Review
• Aon Travel Insurance Review
• Carnival Travel Insurance Review
• Chubb Travel Insurance Review
• CSA Travel Insurance Review
• Expedia Travel Insurance Review
• Hotwire Travel Insurance Review
• IMG Travel Insurance Review
• InsureMyTrip Travel Insurance Review
• JetBlue Travel Insurance Review
• John Hancock Travel Insurance Review
• Medjet Medical Transport Insurance Review
• Orbitz Travel Insurance Review
• Patriot Travel Insurance Review
• Priceline Travel Insurance Review
• Progressive Travel Insurance Review
• Red Sky Travel Insurance Review
• Ripcord Travel Insurance Review
• Travel Insured International
• Travelex Travel Insurance Review
• USAA Travel Insurance Review
• USI Affinity Travel Insurance Review 
• World Nomads Travel Insurance Review

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IMG®   Reviews

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Reviews 4.6.

10,668 total

Most relevant

easy to checkout and understand plan

Date of experience : April 07, 2024

Very simple

Very simple, easy to follow process.

HORRIBLE COMPANY

HORRIBLE COMPANY. They have not paid for claims from the beggining of last year, for doctor's apointments and treatments that are covered by my policy. No one reached out saying there was a problem in processing the claims, The only reason I even knew something was wrong was because one of the medical institutes started sending me emails and texts asking for the money. I keep calling IMG to try and sort this out but they are giving me the same answers (there are documents missing to process the claim). In the meantime I've accumulated more and more debts because they only take handle it "one claim at a time". Whenever I tried asking for the manager on the phone, they say there's no one that can help me, and they can ask a manager to contact me. Of course no one called back. THEY JUST DO NOT WANT TO PAY. DO NOT USE THIS HEALTH INSURANCE. THEY WILL TAKE YOUR MONEY AND NOT GIVE YOU THE SERVICE FOR IT. YOU WILL END UP HAVING TO PAY THE MEDICAL BILLS OR SUE. They are scammers.

Date of experience : April 04, 2024

Reply from IMG®

Hello -- We apologize for the unfortunate circumstances that you've experienced. We have messaged you privately to get more information and further discuss your situation. Thank you.

Ease and speed of completing the…

Ease and speed of completing the application.

Date of experience : April 10, 2024

Quotation Module Needed

Relatively straightforward process, but I would have liked to have been able to receive an emailed (or downloadable) quotation, rather than having to purchase.

Date of experience : April 03, 2024

HAPPY THAT I HAD A VERY GOOD EXPIRINES BUYING THE ISURANCE FROM YOU

Date of experience : March 26, 2024

Easy to complete and affordable

Date of experience : April 08, 2024

Easy efficient sign up process.

Date of experience : April 11, 2024

Easy to complete the process of buying…

Easy to complete the process of buying the insurance for my trip

Date of experience : March 28, 2024

easy to apply

Policy purchase made easy via img….

Policy purchase made easy via IMG portal.

Easy to buy this international travel…

Easy to buy this international travel insurance. Process is simple

Date of experience : April 02, 2024

Good experience on the website. Easy insurance buying!

Quick and easy and good coverage

Date of experience : April 06, 2024

will they actually pay when needed?

All the reviews here are about how easy it is to sign up for their insurance as a traveler. That's not what's important. What is important is whether they are going to pay when you need surgery. No one has commented on that. I am an expat and permanently use them for insurance. The are American owned and you must talk to an American nurse for pre-certification even when you don't live in America. The only time I tried to apply for reimbursement they said I had waited too late, yes it was within a few months of the procedure. I was waiting until I had accumulated enough expenses to reach the deductible. It is this kind of hairsplitting that makes no one trust American insurance companies.

Date of experience : March 19, 2024

Very easy to navigate to select an…

Very easy to navigate to select an appropriate plan.

Date of experience : April 05, 2024

Easy to prescribe.

Easy to prescribe. Let's see if the service now!

Purchase was easy

Purchase was easy to get but have not had a claim on which to base any further evaluation

easy access

Date of experience : April 09, 2024

Very efficient

Very efficient and good cost

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Reviews 4.6.

10,668 total

Most relevant

Easy to sign up and understand

Easy to sign up and understand. The only thing I would suggest is to list the amount of evacuation coverage in the basic plan when offering the add'l rider. I had to go back to see. Just was a bit annoying. Appreciate being able to handle this in a timely manner.

Date of experience : 11 April 2024

The application is simple to complete

The application is simple to complete, just remember that the total trip cost should be split equally between all covered travelers so you don't accidentally inflate the trip cost. It's easy to compare thr costs and benefits of all available plans once you load your information. I have used the iTravelInsured Travel SE plan for several past trips.

Date of experience : 12 April 2024

Easy web process

Easy web process. Great that it had a brochure and sample contract. Also liked that the sections were clear, especially pre-existing and optional purchases.

Cheap, High, Comprehensive Travel Health Insurance

I couldn't see any other insurance company with such high and comprehensive travel healthcare coverage!! $8M for 17 bucks?! (as of April 2024). If you're looking for travel healthcare insurance, look no further. Especially if you don't need travel interruption insurance which adds to the cost for those of us just needing the health insurance part. And, super user friendly application. Instant payment and binding. 5 star experience indeed.

Date of experience : 08 April 2024

Travel insurance for Canadians, no just Americans

Second time using this travel insurance for my parents visiting US from Canada. Straight forward process.

Date of experience : 10 April 2024

Legitimate International Insurance

I've used this service several times, and I keep coming back over and over again for mine and my families international travel needs. I've only ever had to use it once, but it was very easy and hassle free. So I will continue to come back again and again for their services, hopefully never needing it again, but also knowing I can rely on it if I do.

Date of experience : 19 January 2024

Everything was set up in a straight…

Everything was set up in a straight forward manner with simple questions. One of the best websites for travel insurance I've worked with.

Date of experience : 09 April 2024

Excellent Design and Options

The form is very quick, simple and intuitive. It allows changes upon review without major hassle. Options offered are clear and allow comparison. Each section has explanations. Exceptionally good UX design overall.

Date of experience : 04 April 2024

I've been using IMG Global for years…

I've been using IMG Global for years now, and it became my default insurance company.

Easy to choose which travel and medical…

Easy to choose which travel and medical insurance I needed. Easy enlistment and payment processes.

Easy online application

Easy online application. Software user friendly. Options and cost detailed perfectly. Good price for coverage needed. Thank you!

Date of experience : 05 April 2024

Website is easy to navigate

Website is easy to navigate. Offer ways to customize insurance coverage, both what is covered and coverage level, and to choose deductible levels.

I tried to cover r countries US and…

I tried to cover r countries US and Belize originally, but not accepted w/o telling me why (but OOPS...try other plans. ). Thus I tried all of your plans, and none work! Then I made coverage just in USA, it went through. If you have a list of countries not covered or gave me specific reason. I would be much easier!

Super easy and comprehensive and great…

Super easy and comprehensive and great value for money and lots of options!

Easy and simple

The company is focusing only on relevant information and everything is kept simple and easy to follow.

Renowned insurer

This is a well known company and has network in Indonesia and other countries globally. Always good to be covered by a professionally and globally renowned insurance company. The process for completing the registration was indeed brief and quick, to the point, without wasting time.

Date of experience : 31 March 2024

I found what I was looking for

I found what I was looking for and the buying process was simple

Claims are not paid, Customer service just gives you a run around

Claims are not paid. They make customers chase their tails until they give up. I've used this company for years beause I have no other choice. They are maybe the only company that will cover US citizens who live abroad & are returning to the US for a visit. Last year my daughter had an accident (got hit playing soccer & her glasses broke). We called IMG immediately, they reassured us this was a covered incident. We filed a claim. I'm still submitting & resubmitting the same 3 required documents. They don't actually read any communications, they just send generic e-mail responses. Chat & telephone calls are equally ineffective. I've been trying to get a claim paid for almost a year. I get the same 3 "responses" in random order over & over: 1) we're missing the ACH form; 2) the alternative payee form isn't on file; & 3) this isn't covered by the plan. This must be their business model....look good on paper then exhaust your clients into giving up trying to get covered incidents paid.

Great price and easy website

Great price and easy website. I will be booking all my travel insurance at IMG from now on.

This is my first time buying this insurance

The best travel insurance policies and providers

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

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

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

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

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

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

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

The best travel insurance providers

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

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

AIG Travel Guard

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

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

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

Preexisting conditions

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

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

Standout features

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

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

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

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

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

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

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

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

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

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

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

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

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

Purchase your policy here: American Express Travel Insurance .

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

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

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

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

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

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

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

Purchase your policy here: GeoBlue .

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

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

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

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

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

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

Purchase your policy here: IMG .

Travelex Insurance

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

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

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

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

Purchase your policy here: Travelex Insurance .

Seven Corners

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

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

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

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

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

Purchase your policy here: Seven Corners .

World Nomads

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

World Nomads offers two single-trip plans.

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

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

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

Purchase your policy here: World Nomads .

Other options for buying travel insurance

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

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

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

Is travel insurance worth getting?

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

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

What is the best COVID-19 travel insurance?

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

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

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

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

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

What are the different types of travel insurance?

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

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

Should I buy travel health insurance?

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

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

How much does travel insurance cost?

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

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

When and how to get travel insurance

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

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

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

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

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

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

Bottom line

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

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

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

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

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Travel Medical Insurance

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

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

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

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

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

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

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

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International Health and Travel Insurance Offerings from IMG

IMG is an award-winning global benefits and assistance services company and one of the only companies in the market to offer travel medical, international health, and travel insurance plans. Get a quote now and choose the right plan for your next trip:

Travel Medical Insurance protects you in the event of an illness or injury while traveling outside of your home country.

Travel Insurance protects you from financial losses should your trip be delayed, interrupted, or cancelled. It also includes coverage for medical expenses while abroad.

International Health Insurance provides medical coverage for individuals and families living abroad (or away from their home country) and includes benefits such as preventive care, routine check-ups, and treatment for illnesses and injuries.

Travel Insurance Questions Answered

How to choose the best travel protection plan for you, the cost of increased flight delays & cancellations: how travel insurance can help, is travel insurance worth it, select why you are away from home., get plan recommendations and helpful resources., government services, give us a call, have any questions we’re here to help you, 866-263-0669.

You can find more information on health, travel, tourism, and insurance on our blog, Global Connect.

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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.

Updated 9:52 a.m. UTC April 11, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

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, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

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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7 Best RV Insurance Companies of 2024

S ince 2016, Money’s editorial team has been evaluating companies that offer RV insurance. Our research and analysis takes into account customer satisfaction, financial stability, coverage options, availability and more. We strive to provide accurate and informative recommendations customized to our readers’ needs.

Money’s Main Takeaways

• Insuring your RV is essential, whether you plan to live in your RV full-time or use it for occasional trips.
• The type, age and condition of your RV, where you live, and your own personal driving record are all factors that will influence the price of your policy.
• We settled on six companies including Good Sam as the best RV insurance broker, National General as the best for full replacement cost coverage and Auto-Owners Insurance as the best for customer service.

Why Trust Us?

Our editors and writers evaluate RV insurance companies independently, ensuring our content is precise and guided by editorial integrity. Read the full methodology to learn more.

• Reviewed 15+ companies
• More than 1,000 hours of research
• We prioritized coverage, discounts, customer sentiment, the NAIC complaint index and financial stability

Our Top Picks for the Best RV Insurance Companies

• Good Sam – Best RV Insurance Agency
• RVInsurance.com – Runner-Up
• Nationwide – Best for Multiple Discounts
• National General – Best for Full Replacement Cost Coverage
• Progressive – Best for Disappearing Deductibles
• Roamly – Best for Renting Out Your RV
• Auto-Owners Insurance – Best for Customer Service

Best RV Insurance Reviews

• Offers full-timer coverage
• Manage your policy online without having to contact an agent
• Membership gets you discounts on campsites, gear stores, fuel and more
• Not a direct insurer

Why we chose this company: Good Sam Insurance Agency is the best option for those who need help choosing coverage. It connects you with some of the best RV insurance companies and helps you get a comprehensive policy that fits your needs.

Good Sam works with well-known insurance companies like Progressive, Foremost, Safeco and National General. Some standard insurance options you can get through Good Sam include comprehensive, collision, liability, property damage and personal injury protection.

Good Sam is also an excellent option for people who drive their RV across the border to Mexico. The company partners with MexicoInsuranceOnline.com, which can pair you with one of three Mexico-based insurers. Agents can recommend add-ons for your cross-border travels based on your specific needs, and you can purchase policies for a single-day trip or longer.

The company also offers a storage discount, which lets you pause collision and liability coverage when your motorhome or trailer is stored for more than 30 consecutive days. This can help you save on monthly insurance premiums if you only use your RV for occasional road trips.

Lastly, the agency can help you customize a full-time RV insurance policy if you use it as a permanent residence.

Learn more: Good Sam RV insurance review

See rates on Good Sam’s Secure Website >>

Why we chose this company: RVInsurance.com can help you find a suitable policy, whether you use your RV for vacationing or as your residence.

• Specialists can help you find a policy
• Policies available for all types of RVs

RVInsurance.com works with Foremost, National General and Safeco. These companies cover all RV types, from motorhomes to campers. They offer several policy add-ons, such as full replacement cost, full-timers liability coverage and roadside assistance.

You can get an insurance quote online, but an insurance specialist can help you compare policies if you call.

See rates on RVInsurance.com’s Secure Website >>

• Free yearly insurance review to evaluate your coverage options and possible discounts
• Optional towing coverage includes lodging, transportation and meals
• Multiple policies available, making it easy to bundle and save
• Many customer complaints about the claims process

Why we chose this company: Nationwide Insurance offers over 10 different discounts, including discounts for staying claim-free during the previous policy period or installing safety devices, like smoke detectors.

Most RV insurers offer discounts that can help you save on premiums. Nationwide’s discount list, however, is particularly extensive. You can save money if you bundle your RV policy with your existing home insurance, take safety courses, belong to an RV organization (such as the National RV Association), pay your annual policy upfront or purchase the company’s full-time RV insurance package.

Note that not all discounts are listed on Nationwide’s website, and some only come up during the quoting process. For example, according to a customer service representative, the company also offers discounts to customers whose vehicles have safety features such as tire-pressure monitoring systems or fiberglass bodies.

Learn more: Nationwide RV insurance review

See rates on Nationwide’s Secure Website >>

• Coverage for specialized equipment such as solar panels
• Pause your coverage when your RV is in storage
• Experts help you find a new RV in the event of total loss
• Low mileage discount
• Eligibility, benefits, coverage and discounts vary per state
• Limited information about policies on its website

Why we chose this company: Full replacement cost coverage can usually only be bought during an RV’s first model year. National General, on the other hand, lets you get the rider within an RV’s first five model years.

With full replacement cost coverage, also known as total loss replacement, your RV gets replaced with a new or similar one if it’s totaled or stolen. You may also get reimbursed for the original purchase price of the vehicle.

This type of coverage is typically only available for newly purchased motorhomes or travel trailers up to one or two model years old. For example, a 2024 model would probably be eligible until 2026. So if you buy a used RV or don’t insure your new one as soon as possible, you risk your vehicle being considered ineligible.

With National General, on the other hand, RVs are eligible during their first five model years. The company can also insure your RV whether you’re the first owner or not — some companies limit this type of coverage to original owners.

The company lets you pause your coverage when your RV is in storage, an option that’s not available with many other providers. You can save money by suspending collision and personal injury riders, for example. However, your RV would still be covered against theft, fires, harsh weather and other non-collision accidents.

Learn more: National General RV insurance review

See rates on National General’s Secure Website >>

• Accident forgiveness for claims under $500
• Horse trailer coverage up to $50k
• Pet injury coverage available
• Add-on coverage available for roof malfunction
• Standard plan doesn't cover personal property replacement or emergency expenses
• Insurance rates can vary if you buy online or through an agent
• Discounts are not available in all states

Why we chose this company: Progressive offers disappearing deductibles, accident forgiveness and an extensive array of discounts.

With Progressive, you can save on premiums if you’re the RV’s original owner or if you pay your policy in advance, among other discounts. However, what makes Progressive’s discount list stand out are disappearing deductibles and accident forgiveness.

Not many companies provide these discounts, and if they do, they only offer one or the other. With disappearing deductibles, the longer you go without filing a claim, the lower your insurance deductibles get.

Progressive deducts 25% from your total deductible amount for every claim-free policy period. After four consecutive claim-free periods, your deductible will be $0. Other insurance companies that offer disappearing deductibles cap the discount to a maximum of $500 — if your deductible exceeds $500, you’d still have to pay the remaining amount.

Disappearing deductibles, also known as vanishing deductibles, have an additional cost.

However, the feature is included if your vehicle is valued at $25,000 or more and you purchase the comprehensive and collision coverage package. Both riders are recommended since they ensure the vehicle is covered for car accidents and non-collision events, like a fire.

Accident forgiveness — which keeps your premium rates from increasing if claims are for $500 or less — is included at no additional cost.

See rates on Progressive’s Secure Website >>

• Specializes in RV insurance
• Coverage even when renting out your RV
• Policies for full-time RVers are available
• Covers Canada rentals
• Only offers RV policies

Why we chose this company: Insurers typically decline coverage if you rent your RV to someone else. With Roamly, you can rent out your RV and still be covered for liability and damage to the vehicle.

Rented RVs require comprehensive commercial insurance because they’re exposed to more risk than personal vehicles. Renting out your motorhome or camper without insuring it can result in denied claims, especially if the renter doesn’t have coverage either.

With Roamly, your RV is always covered when listed in rental platforms like Outdoorsy (which owns Roamly). When someone books your RV through Outdoorsy, they can purchase a renters protection package. These policies can include trip protection, interior damage and travel medical insurance.

Roamly covers rented RVs for actual cash value during a rental period. Also, policies include $1 million in liability insurance protection during each trip.

Learn more: Roamly RV insurance review

See rates on Roamly’s Secure Website >>

• Premium reduction if RV is equipped with certain safety features
• Towing and roadside assistance in all 50 states and Canada
• Mobile app for Apple and Android
• No online quotes

Why we chose this company: Auto-Owners is our pick for personalized customer service because of its network of independent agents, online customer center and mobile app. Customers can access claims, billing and other important policy documents on their phone, tablet or computer.

Auto-Owners has an impressive customer service record, with fewer complaints on record with the National Association of Insurance Commissioners (NAIC) than most competitors. It also ranked above average in the southeast region in J.D. Power’s 2022 Auto Insurance Customer Satisfaction study.

Unlike other companies, Auto-Owners only sells its insurance products through independent agents. Instead of contacting the company online, you work directly with local agencies which can better advise you regarding specific insurance requirements in your area. For example, bodily injury and property damage liability limits set by law vary by state.

Learn more: Auto-Owners RV insurance review

See rates on Auto-Owners’s Secure Website >>

Other RV Insurance companies we considered

During our research for the best recreational vehicle insurance providers, we narrowed down our initial list to 7 companies. The following didn’t make our final cut, not because they were lacking, but because other competitors had more standout features.

• Covers motorhomes, travel trailers and campers
• Membership plan includes roadside assistance, hotel discounts and more
• Extra coverage for lodging and transportation if your RV is damaged
• Coverage options are not standard across regions (southwest, northeast, etc.)
• RV policy not available nationwide
• Limited information available online

AAA offers coverage for different types of RVs and some of its policies also cover personal effects such as electronics. However, it didn’t make our list because their coverage is not available in all 50 states.

See rates on AAA’s Secure Website >>

• Discount if you transfer from another insurance company
• Discounts for drivers 55 years or older
• Gas price locator to help you find the cheapest gas
• Limited information on company website
• Online quotes not available

Allstate’s policies include emergency travel expenses if you’re over 50 miles from home when your RV breaks down and the issue is covered under the policy. Allstate is not on our main list because it only provides quotes through its sales agents and the information on its website is limited.

See rates on Allstate’s Secure Website >>

• Windshield deductible is only $50 for total replacements
• Personal effects replacement limits up to $100,000
• Free accident forgiveness for those who have been accident-free for 5+ years
• Limited information available on the company's website
• Enhanced RV coverage is not available in HI, MA, MI and NC
• Availability of total loss replacement coverage varies by state and vehicle value

While Geico offers coverage options comparable to those of other companies on our list (such as total loss replacement, emergency expenses coverage and vacation liability), its policies aren’t available nationwide. Its website also lacks crucial details, such as available discounts.

See rates on Geico’s Secure Website >>

• Loan or lease protection coverage available
• Deductibles diminish $100 per year up to $500
• Insures motorhomes valued at up to $1 million
• Coverage available for custom equipment
• Only covers vehicles used 250 days or less per year
• Limited information available on website
• No online quotes available

Safeco offers coverage for class A, B, and C motorhomes valued at up to $1 million, but it only insures these vehicles if you use them recreationally. Safeco didn’t make our list because its website doesn’t offer a lot of information and coverage is limited to vehicles used less than 250 days a year.

See rates on Safeco’s Secure Website >>

• Coverage for emergency expenses if camper is damaged or destroyed
• Pays for transportation of damaged RV to storage, repair shop or home
• Full-timer coverage for travel trailers, motor homes, luxury motorcoaches and more
• Special policies for USAA members
• Not available in DC or Hawaii
• Limited information on website

Foremost, a subsidiary of Farmers Insurance, has policies for full-timers as well as stationary travel trailers. It also covers personal-use motor homes that you occasionally rent, lease or loan. Unfortunately, this policy doesn’t cover the vehicle while it’s rented, leased or loaned.

See rates on Foremost’s Secure Website >>

• Part-time users can opt for storage-only insurance during the off-season
• Policy extends to travel anywhere in Canada
• Insures equipment permanently attached to your RV
• No information regarding discounts

Despite offering coverage in Canada, Farmers Insurance fell short of our list due to limited information on their website regarding specific coverages and discounts. This lack of transparency makes it challenging for consumers to assess the scope and value of its policies.

See rates on Farmers’ Secure Website >>

• Discounts for safe driving and original ownership
• Multi-vehicle discount
• Coverage for all RV classes, including slide-on campers
• Members get a 5% discount on policies
• Policies only available to military families
• 5% members-only discount not available in all states

USAA offers RV insurance through an alliance with Progressive, which covers almost all types of RVs. The drawback to USAA’s policies is that they’re only available to military families.

See rates on USAA’s Secure Website >>

Country Financial

• Multi-policy discount
• Mobile app for Apple and Android devices
• Only available through agents
• Operates in only 19 states

Country Financial’s RV insurance policies fall under home or auto insurance. That can be a drawback for consumers who already have a preferred auto or home insurer. Another notable snag in its coverage is that it’s available in only 19 states.

See rates on Country Financial’s Secure Website >>

National Interstate

• Options for RV full-timers
• 25% deductible discount for each consecutive claim-free year
• Windshield replacement coverage
• Coverage for commercial RVs
• Website lacks information about terms and discounts

National Interstate has policy options for RV full-timers and covers commercial RVs. This insurer is not featured on our main list because its website doesn’t provide details regarding policies or discounts.

See rates on National Interstate’s Secure Website >>

The Hartford

• Lifetime guarantee for repairs done in authorized repair shops
• 24/7 claims submission
• RV replacement if it's totaled in the first 15 months
• Only available to AARP members
• Not available in U.S. territories

The Hartford allows policyholders to customize their RV insurance coverage, and its lifetime guarantee for repairs in authorized shops is a highlight of its policies. However, coverage is only available to AARP members, which is a considerable drawback.

See rates on The Hartford’s Secure Website >>

RV Insurance Guide

Like auto insurance, an RV insurance policy provides financial protection in the event of accidents, injuries and other unfortunate scenarios. This means it can reimburse you for repairs, medical bills and liability expenses in the event you injure someone or damage their property.

Most RV insurance providers offer comprehensive policies covering everything from collisions, theft and loss of personal belongings to medical expenses and more. However, not everyone needs an all-inclusive policy, especially those who use their RVs occasionally.

Read on to find out how much RV insurance costs, learn about the different coverage options available and get tips on choosing the right coverage for your needs while saving on premiums.

Table of contents

How much is rv insurance, types of rvs, what type of insurance does an rv need, what does rv insurance not cover.

• How to buy RV insurance

Renting out your RV

According to Progressive, an RV insurance policy for a travel trailer (an RV that you tow behind your own vehicle) costs an average of $573 per year, while coverage for a motorhome costs an average of $958 per year.

The cost of an RV insurance policy is influenced by the following factors:

• The type of RV: Motorhomes are more expensive to insure than trailers (especially motorhomes with state-of-the-art components).
• Age and condition: Older trailers and motorhomes cost less to insure than their modern counterparts due to their reduced resale value.
• Type of RV insurance: A policy with just liability coverage is more affordable than a comprehensive policy that includes collision and personal property coverage.
• Where you live: As with most other types of insurance, your state and zip code affect your insurance rates. RVs in areas prone to extreme weather will be more expensive to insure.
• Driving experience and driving record: A first-time RV owner poses a higher risk than someone who’s been living the van life for years. Insurers will also look at your general driving record to determine an appropriate rate.
• Claims history: Just as with auto insurance, a lengthy claims history is a red flag to insurers. A driver who has never filed an insurance claim will get a much better rate than one who has cashed in on their policy in the past.
• Additional coverage: Purchasing add-ons that augment your standard coverage can substantially increase your premium. Additional coverage options may include roadside assistance, total loss replacement, vacation liability and full-timers coverage.

Recreational vehicles, more commonly known as RVs, can be classified into one of four categories: Class A, Class B, Class C and towable RVs. The first three are motorhomes, which means they’re drivable units equipped with living quarters and appliances. Towable RVs, also called campers or trailers, can have home amenities too. However, some are designed to transport animals or cargo.

Here’s the rundown of the different types of RVs available:

Class A motorhomes

Class A motorhomes are the most luxurious and spacious. They are similar to commercial buses, measuring anywhere between 24 to 45 feet in length and fitting as many as 12 passengers. However, their size can make them difficult to drive and limits their mileage to around 10 miles per gallon or less.

Class B motorhomes

Class B motorhomes, also known as “camper vans,” are the smallest and least expensive type, with a length of 17 to 19 feet. These are standard-sized vans usually packed with a compact kitchen, bathroom and foldable or fixed bed. Their limited living space makes them suitable for four passengers or less who enjoy minimalist traveling.

Class B+ or B Plus motorhomes

Class B+ or B Plus motorhomes are the big siblings of Class B camper vans. These vehicles measure between 17 and 30 feet, fitting bigger beds and more spacious bathroom and kitchen areas.

Class C motorhomes

Class C motorhomes are the middle ground between Class A and B RVs. They measure between 21 to 41 feet in length and are easily recognized by their over-cab sleeping or storage area.

Although smaller than Class A RVs, Class Cs are suitable for full-time occupancy, delivering better gas mileage and easier maneuverability. These vehicles can fit up to eight passengers and include a fully equipped kitchen and spacious dining, bathroom and living room areas.

Towable RVs

Towable RVs are pulled by hitches on SUVs, pickup trucks or any vehicle that can tow the RVs weight. Towable RVs that feature living quarters include fifth wheels, toy haulers, travel trailers and pop-up campers. These range from under 10 feet for pop-ups to 30 feet for fifth-wheel trailers.

Truck campers are also considered towable RVs, but you don’t pull them with a hitch. Instead, they sit on the bed of a pickup truck. Other types of towable RVs include utility, cargo and horse trailers.

Since RVs can be both a vehicle and a primary residence, there are special considerations when insuring them. Some policies only offer basic liability protection while others offer broader coverage for things like personal effects and emergency expenses.

Keep in mind that if your RV is self-propelled, your coverage should meet your state’s minimum liability insurance requirements. This applies whether you use the vehicle occasionally or as a residence.

If your RV is towable, the insurance policy on the vehicle used to tow it may extend to the RV. However, note that the towing vehicle’s policy usually only covers liability and not physical damage to the RV or attached accessories.

Best RV insurance features for part-time RVers

People who use their motorhomes for weekend getaways should at least have basic liability coverage that meets their state’s minimum requirements.

Other types of RV insurance for part-time RVers include:

• Property-damage liability coverage: Pays for damages that you cause to another person’s property or vehicle.
• Bodily injury liability coverage: Helps pay the medical expenses of those you injure in an at-fault accident.
• Collision coverage: Covers repairs to your RV after an accident with another vehicle, whether you’re at fault or not.
• Comprehensive coverage: Pays for damages caused by theft, vandalism, natural disasters, fire and other non-collision accidents.
• Uninsured/Underinsured motorist coverage: Covers the cost of repairs to your RV and your medical payments if you’re in an accident caused by a driver that doesn’t have insurance or has insufficient coverage to pay your claim.
• Personal Injury Protection (PIP): Covers medical expenses for both you and your passenger in the event of an accident, no matter who was at fault. It may also cover lost wages.
• Campsite/vacation liability coverage: Helps pay for legal expenses if you’re found at fault for injuries or losses suffered by a non-family member while in your campsite area or inside your RV.
• Roadside Assistance: Offers around-the-clock repairs, towing and emergency assistance should your RV experience a flat tire, battery discharge or other malfunction.

Best RV insurance features for full-time RVers

For added peace of mind, full-time RVers should consider having a more comprehensive policy that includes some of the above-mentioned add-ons as well as any of the following:

• Personal property coverage: Covers the cost of replacing any damaged or stolen personal effects. This includes clothing, furniture, jewelry and computers, for example.
• Total loss replacement: Replaces your RV with an equal or similar model if your vehicle is ever stolen or totaled in an accident. In other cases, the insurer may reimburse you for the original purchase price. Note that lenders may require this coverage if you finance your RV.
• Full-time RV liability coverage: Adds additional coverage for liability and medical expenses if you live in your RV for six months or more each year.
• Emergency expense allowance: Covers up to a specified amount of living and travel expenses like car rentals, lodging and food if your RV leaves you stranded, usually more than 100 miles away.
• Specialized coverage: Can replace appliances like awnings, satellite dishes, and solar panels and can even provide coverage for any pet injuries that happen in the vehicle.
• Loss assessment: Helps cover fees charged by RV associations for damage to common areas in a campsite, for example.

RV insurance won’t cover the following:

• Normal wear and tear: RV insurance protects your vehicle against unexpected events, not routine maintenance or deterioration.
• Mold damage, fungi or rot: Insurers consider mold a sign of neglect and won’t cover damages unless it’s directly linked to water damage caused by a covered event.
• Certain types of water damage: RV insurance doesn’t cover water damage that’s caused by regular wear and tear, freezing temperatures or manufacturer defects.

Comprehensive RV insurance covers most natural disasters, including flash floods, storm surges and fire. Earthquake coverage varies by insurer — it may be covered under a comprehensive RV policy or you may need to purchase earthquake coverage separately.

How to Buy RV Insurance

Here are some tips on how to find and purchase the right RV insurance coverage for you.

Take time to shop around for insurance quotes

The cost of RV insurance will depend on your driving history, where you live, the type of vehicle you own and whether you intend to live in the RV full-time or use it for vacations. Adding optional riders like pet and accessories coverage will hike up your premium.

Requesting multiple RV insurance quotes can work out to your advantage. Those who compare estimates and coverage options before choosing often find the best rates.

If you don’t have the time to shop around, you can consult an independent insurance agent. They can help you choose the right coverage and guide you to companies with attractive rates and policy features that meet your needs.

Consider bundling multiple policies

Most insurance providers offer a multi-policy discount when you combine your RV insurance with other qualified policies.

You can save on premiums by combining your RV policy with your current auto, home or boat insurance . Some insurers also let you bundle your policy with renters or life insurance policies . Bundling multiple policies under one provider can also help you avoid the hassle of dealing with different companies come time to file a claim.

If you don’t want to pay two premiums, you can consider adding your RV to your existing auto insurance policy . Just know that the insurance you have on your car usually only extends to towable campers or trailers, not motorhomes. Also, keep in mind that car insurance may cover you against liability and damages to the RV, but not belongings or appliances inside the vehicle.

Homeowners insurance may also offer some coverage for RVs, but only when the vehicle is parked on the insured property’s premises.

Another option is getting umbrella insurance to cover your RV. This type of policy covers liability claims that exceed the limits of your primary auto, home or RV policy. However, this coverage only kicks in if your RV is covered by an underlying policy that meets the liability requirements of the umbrella policy.

Check for available discounts

While these may vary by company, most insurers offer rate discounts for:

• Paying the total annual policy upfront
• Making monthly payments on time
• Staying claim-free during the previous policy period
• Being the vehicle’s original owner
• Installing safety features in your RV (a tire pressure monitoring system, for example)
• Having a favorable loss history (the record of insurance losses associated with the vehicle)
• Being a safe driver (staying accident-free for at least three years)
• Taking safety courses
• Being a member of an RV association

Drivers aged 50 and up can snag a lower rate, as can parents or guardians who opt not to insure drivers under 25 on their policy.

Insurance when renting an RV

If you plan on renting an RV for a vacation, you should consider getting RV rental insurance. This type of policy is similar to car rental insurance since both usually provide liability, collision damage waiver, personal accident or personal effects coverage.

Policies can be purchased through the rental company or your own insurance provider — if it offers such coverage. However, keep in mind that your current car or RV insurance policy may already extend some coverage to the rented RV. Coverage may not be available in all states or for trips longer than 30 days, so you should call your insurer to verify before heading out.

Some insurance companies also offer RV coverage for trips to Mexico. While this type of policy can be useful for someone planning a vacation, it is more commonly recommended for RV owners who frequently cross the border.

If you rent your RV to others, it’s considered a commercial-use vehicle, and your insurance policy won’t cover the renter. The person must obtain their own rental insurance for the trip. If you’re merely lending your RV to a friend or family member, your existing coverage may extend to them, depending on the details of your policy.

However, note that some states — including Arkansas and Wisconsin — require drivers to get special licenses to drive RVs. If you live in one of these states and you lend your RV to someone, that person must have the required license if you want your insurance policy to cover them.

What kind of insurance do I need to rent out my RV?

To rent out an RV, you’ll need at least liability coverage, which pays for damages or injury you may cause to other people and their property in an at-fault accident.

With the exception of New Hampshire, all states and the District of Columbia, require that vehicles, including RVs, have some form of liability coverage.

Insurance for towable RVs is another matter. When you’re towing your RV behind another vehicle instead of driving it, you only have to worry about having enough coverage to protect your belongings, not about additional liability insurance.

RV Insurance FAQs

What states require trailer insurance.

Trailer insurance requirements vary by state and by type of trailer. Most local governments require liability insurance, while others also require uninsured motorist coverage.

There are currently only two states that don't require any type of trailer insurance. You can drive an uninsured vehicle in Virginia as long as you pay an uninsured motorist fee. In New Hampshire, you can drive uninsured if you prove you have enough money to cover liability expenses in an at-fault accident.

Do you need trailer insurance?

You don't need insurance for a non-motorized trailer that's hooked up to a towing vehicle. The vehicle's insurance coverage extends to the trailer attached to it. However, this coverage is typically limited to liability.

Talk to your auto insurance provider if you want to add property damage coverage for the trailer or purchase a separate RV insurance so that the trailer itself is insured against damage.

Who has the best RV insurance?

Does rv insurance cover water damage, what is vacation liability rv insurance, how we chose the best rv insurance.

• Coverage options and discounts. We picked companies that offer a comprehensive selection of coverage options and premium discounts.
• Customer satisfaction. We favored companies that had above-average scores in J.D. Power’s U.S. Auto Insurance Study. We also considered customer feedback from review sites such as the Better Business Bureau (BBB).
• Financial strength. We considered the financial strength of each insurer as evidenced by their A.M. Best rating. A.M Best is a credit rating agency that assesses the creditworthiness of insurance companies.
• Complaint index. We looked up every insurer’s complaint trend report from the National Association of Insurance Commissioners (NAIC) and favored those with few complaints.

Summary of Money’s Best RV Insurance of 2024

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