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Travel Insurance

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Take the worry out of your travels with affordable flight or trip insurance.

Looking to plan the vacation of a lifetime or flying home for the holidays? Trip insurance and flight insurance can provide the peace of mind you need for your next journey. The GEICO Insurance Agency, with Berkshire Hathaway Travel Protection (BHTP), offers comprehensive travel insurance coverage, with prompt service and global assistance. Get an online travel insurance quote today and confidently protect your next adventure.

AirCare Flight Insurance

If you only need to protect your travel costs for a flight, AirCare may be what you need. With affordable coverage for both domestic and international flights, AirCare flight insurance helps you plan with peace of mind.

ExactCare Travel Insurance

If you want to cover your flight and other trip arrangement's ExtraCare can help. An ExactCare Travel Insurance policy can help with the unexpected like:

• Trip Cancellations/Interruptions/Delays
• Lost/Stolen travel documents
• Unexpected medical expenses

What's the difference between flight insurance and travel insurance?

The main difference is that a flight insurance policy only covers your airfare. On the other hand, a travel insurance policy helps protect your flight as well as other parts of your trip. While you're planning your next trip, think about where you're going and what you'll be doing. Once you have that, it'll be easier to choose which policy works best for your trip.

What does a flight insurance policy cover?

AirCare Flight Insurance has a variety of benefits including emergency travel assistance, 24/7/365. Some common flight coverages are:

• Airfare incase flights are cancelled or you miss a connection
• Personal items like lost or delayed luggage
• Flight delays in your departure (at the gate or on the tarmac)

AirCare Quote

What does a travel insurance policy cover?

ExactCare Travel Insurance provides all-in-one travel protection, with family friendly pricing and worldwide emergency travel assistance 24/7/365. Common things covered by travel insurance are:

• Trip cancellation or interruption
• Personal items like passports and luggage
• Medical costs like hospital and doctor expenses, medical evacuations, and more

ExactCare quote

What is not covered by travel insurance?

Your coverage is based on the plan you choose. However, in general some things that aren't normally covered by travel insurance are:

• Action and team sports, for example auto racing, pro sports travel, or other extreme sport activities
• Travel to get medical care
• Trip Cancellation because you changed your mind

For more information, please check your policy.

Is travel or trip insurance worth the cost?

Travel insurance can help protect your vacation or trips from unexpected things happening. You can travel without trip insurance but doing so brings greater risk if something goes wrong or you encounter unexpected delays. Flight insurance or trip insurance coverage can include things like flight cancellation, lost luggage, trip cancellation, emergency medical transportation, and more. Learn more about travel insurance and why you should get a travel insurance quote today!

How much does travel insurance cost?

Travel insurance typically costs 5 to 10 percent of your total trip cost, though that can be influenced by several things.

• The cost of the trip
• The length of your trip and destination
• The amount of coverage selected
• The number of travelers covered under the policy

Worldwide service and claims information.

It's easy to manage your travel insurance..

Berkshire Hathaway Travel Protection (BHTP) has made it easy to manage your travel insurance. You can:

• Visit Berkshire Hathaway Travel Protection's website
• Email [email protected]

Is travel insurance worth it?

Yes. Things happen that are out of your control. Whether it's your flight being cancelled or delayed to a family emergency. Life happens and that's how travel insurance can help. Plan for the unexpected with a travel insurance policy so you can rest easy knowing you're covered.

Travel Insurance: Get the answers you're looking for.

• What travel insurance plans are available? BHTB offers AirCare (flight only) and 3 main plans: ExactCare Value, ExactCare, and ExactCare Extra. ExactCare Value provides great traveling insurance coverage for budget minded travelers. You can rest easy knowing you're covered for things like trip cancellation, trip interruption, and medical expenses. The main difference is the maximum amount that will be covered. ExactCare and ExactCare Extra's insurance cover the same things as ExactCare Value and add coverage for missed connections and accidental death & dismemberment. The overall amount covered is also increased for each plan respectively.
• Can I get trip insurance for an extended overseas stay? Yes. We can help you with getting insurance for overseas. Please visit our overseas insurance page for information about all the options we have for you!
• Is there travel insurance that can cover my vehicle while traveling to Mexico? Your US auto insurance policy won't cover your vehicle when you drive into Mexico. We're here to help you find the Mexico car insurance you need to insure your car.
• Tips for saving money on your next vacation. No one wants to overpay things. We're here to help. Check out our 5 ways to save your money on your next family vacation.
• Where you're going
• Number of days you're traveling
• Cost of your overall trip
• Coverage you pick
• Number of people covered under your policy

If you choose to get a rate quote or service your policy online, you will be taken to the Berkshire Hathaway Travel Protection website which is owned by Berkshire Hathaway Specialty Insurance Company, not GEICO. Any information that you provide directly to Berkshire Hathaway Specialty Insurance Company on its website is subject to the privacy policy posted on their website, which you should read before proceeding. GEICO assumes no responsibility for their privacy practices or your use of their website.

ExactCare is provided through Berkshire Hathaway Global Insurance Services, LLC. ExactCare and AirCare are underwritten by Berkshire Hathaway Specialty Insurance Company. Both coverages are secured through the GEICO Insurance Agency, LLC.

Benefits may vary by jurisdiction. Please contact a representative to confirm availability.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

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9 Best Travel Insurance Companies of 2024

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

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

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

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

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

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

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

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

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

SEE FULL REVIEW »

Annual and multitrip policies are available

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

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

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

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

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

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

More limited coverage for baggage issues than other companies

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

Travel insurance policy coverage is tailored to your specific trip

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

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

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

Limited trip cancellation coverage even at the highest tier

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

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

Cancel for any reason coverage costs extra

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

Generous emergency medical and emergency evacuation coverage

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

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

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

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

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

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

Travel Insurance Types: Which One Is Right for You?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Why Trust U.S. News Travel

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

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

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What type of coverage do you need?

Vacation / holiday, visitor / immigrant, student / scholar, employer / business traveler, expat / global citizen, mission / social good, marine captain / crew.

• Flights / Airfare
• Cruises / Excursions

Travel Medical Insurance

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

Popular Plans

International health insurance.

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

Travel Insurance

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

Individual & Family Services

Non-insurance services for worldwide emergency evacuation, field rescue, medical transport, and 24/7/365 travel assistance.

Enterprise Services

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

What type of organization do you represent?

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

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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.

• "Although one hopes never to use travel insurance, IMG was a godsend throughout our ordeal. We couldn’t have done it without your continued assistance." Joan D. United States

" I took comfort in the fact that IMG had my back. "

While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.

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The best travel insurance policies and providers

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

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

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

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

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

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

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

The best travel insurance providers

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

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

AIG Travel Guard

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

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

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

Preexisting conditions

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

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

Standout features

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

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

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

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

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

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

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

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

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

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

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

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

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

Purchase your policy here: American Express Travel Insurance .

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

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

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

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

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

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

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

Purchase your policy here: GeoBlue .

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

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

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

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

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

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

Purchase your policy here: IMG .

Travelex Insurance

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

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

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

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

Purchase your policy here: Travelex Insurance .

Seven Corners

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

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

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

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

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

Purchase your policy here: Seven Corners .

World Nomads

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

World Nomads offers two single-trip plans.

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

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

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

Purchase your policy here: World Nomads .

Other options for buying travel insurance

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

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

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

Is travel insurance worth getting?

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

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

What is the best COVID-19 travel insurance?

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

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

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

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

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

What are the different types of travel insurance?

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

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

Should I buy travel health insurance?

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

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

How much does travel insurance cost?

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

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

When and how to get travel insurance

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

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

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

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

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

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

Bottom line

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

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

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

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

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What is travel insurance?

Travel insurance safeguards you financially from various unpleasant situations that may arise during your trip. The plan covers you whether you are heading overseas for a holiday, business meeting or education.

Some of the key travel insurance benefits include emergency evacuation, medical expenses coverage due to COVID-19, medical emergency assistance, trip cancellation cover and lost or delayed baggage coverage.

Features of ICICI Lombard's travel insurance

No medical check-up.

Need to fly abroad for an urgent business meeting but your insurer is delaying travel insurance owing to pending medical screening? If so, get an instant travel insurance quote with us without having to undergo a medical examination.

Trip cancellation & interruption cover

In case you are cancelling your trip due to a valid reason, we will reimburse you for the cancelled flight ticket.

Loss of passport

In case your passport is lost or stolen, our travel insurance will cover the cost of replacing the original passport.

Personal liability cover

If you damage someone's property or they suffer bodily injury because of an accident involving you on your trip, we will cover the legal liabilities.

Reimbursement of non-refundable prepaid payments

Reimbursement of the non-refundable prepaid payments, for the trip being cancelled or interrupted due to medical problems, acts of terrorism or natural disasters.

Advantages of buying ICICI Lombard's travel insurance policy

Medical benefits.

When you secure your trip online from us, we cover medical evacuation, personal accident, hospitalisation and repatriation of remains.

Travel benefits

Under this, we cover trip cancellation, delayed and missed connecting flights.

Luggage benefits

We compensate you for the loss incurred when your luggage is delayed at the airport or if you lose it on your trip.

Other benefits

Some of the other benefits include compassionate visit, emergency cash arrangement, loss of passport cover and personal liability.

24×7 assistance

If you are stuck in an unfavourable situation abroad, we are just a call away. You can call our toll-free number 18002666 at any hour and we’ll try to help you out.

Trip cancellation and interruption

If you have to cancel your trip due to a medical condition or medical emergency in your family our one trip holiday insurance for your single trip takes care of your losses that arise due to the trip cancellation.

Burglary cover for home contents

Our travel insurance also covers your home against burglary while you are away making memories on your international trip.

What’s covered under ICICI Lombard's travel insurance?

Hospitalisation.

In case you fall ill during your trip to an overseas destination, we will reimburse your medical expenses up to the sum insured specified in your policy document.

Lost and delayed baggage

In case of lost or delayed baggage, we will cover the cost of essentials such as toiletries, medicines etc and pay you a fixed lump sum amount.

Third party liability

If a third party suffers property or bodily injury because of your involvement in an accident while on vacation, we will cover the legal liabilities in case you need it.

Emergency cash

If you all your cash is stolen, we will arrange emergency cash for you.

Our policy will be void if you sustain an injury while participating in adventure sports

Our policy will not apply in situations where the claim has arisen due to loss of valuables and money

When you buy travel insurance plans, keep in mind that pre-existing illnesses are not covered unless they are life-threatening

Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy

Illness caused due to addiction to alcohol, drugs

Illness such as anxiety, depression

Sickness due to venereal diseases

Sickness caused due to radiation, nuclear weapons & more

Injuries caused due to adventure & other sporting activities

Expenses arising out of loss of valuables, money, securities and tickets

Naturopathy treatment, ayurvedic / homeopathic therapies

Treatment relating to removal of physical flaws - cosmetic or plastic surgery

Costs incurred relating to rest or recuperation at a spa or health resort

Policy documents:

Why should you purchase an online travel insurance plan.

Given the COVID-19 pandemic and the hectic work life, purchasing travel insurance online is a preferred choice these days. You can insure your trip the same way you book your flight tickets and hotel, from the comfort of your home. When you buy travel insurance online-

• You can compare several travel insurance plans available with us.
• You save on the premium.
• You get instant coverage and a get the policy copy of your insurance in your email.

Types of travel insurance plans in India

Single trip travel insurance.

As the name implies, this policy covers a single international trip. Such a policy is valid until the conclusion of your trip, or say, until you return to your home country.

Multi-trip travel insurance

If you travel frequently, you probably don't want to waste time and effort buying insurance for each trip. Considering this, we have come up with a multi-trip policy. The policy is valid for 365 days and you can take as many trips as you want during this period. It is a comprehensive policy that covers on-trip medical expenses, lost baggage, missed connecting flights, compassionate visit, etc.

Schengen travel insurance

The Schengen countries are a group of 26 Central European countries. If you are considering a vacation to a Schengen country, you must first acquire Schengen travel insurance. The policy protects you financially in the event of an emergency.

Student travel insurance

Nowadays, many youngsters aspire to complete their higher education in another country. Given this, we have come up with student travel insurance. The policy covers medical evacuation, study interruption, and sponsor protection.

Does ICICI Lombard's travel insurance plan cover COVID-19?

Yes, ICICI Lombard travel insurance covers COVID-19. The benefits under this cover include:

• We pay for your in-patient and out-patient hospitalisation expenses for hospitalisation due to COVID-19.
• We cover your trip cancellation if your immediate family member is hospitalised due to COVID-19.
• We compensate your lodging or boarding expenses due to trip extension if you contracted COVID-19 on your trip.
• We provide you with daily hospital cash allowance for your COVID-19 hospitalisation abroad

Eligibility criteria for travel insurance plans

Travel insurance policy can be purchased separately by an individual or can be bought for an entire family as a family travel plan. To choose an ideal plan, you must first compare travel insurance plans offered by us and the eligibility criteria for them. ICICI Lombard offers two travel insurance plans Gold and Platinum with SI 50,000$ and 100000$ respectively.

How to buy a travel insurance policy online?

Do you wish to secure your trip online before going out on a vacation abroad? If yes, here is how you can get an instant cover with ICICI Lombard.

Share your basic information and your contact details here and get an instant quote.

Pick the ideal plan that suits your needs.

Pay online using our secure payment gateway.

Get instant cover for your trip abroad.

Additional coverage under travel insurance plans

Repatriation of remains.

In an unfortunate event, if the insured person dies on the trip to an overseas nation, we will reimburse the nominee for the costs of transporting the deceased insured's remains back to his home country.

Hospital daily cash allowance

If the insured person sustains an injury or illness while on a trip, we will provide the insured with a daily allowance up to the amount prescribed in the policy document. However, to avail of the daily allowance benefit, the hospitalisation should be over two consecutive days.

Countries that need an international travel insurance policy

• There are around 34 countries that have made travel insurance compulsory for visiting their country.
• If you are planning a trip to the USA, you should first buy a travel insurance policy before making any reservations.
• If you are considering a trip to the Schengen countries, keep in mind that the 26 countries in Central Europe that make up the Schengen zone have made travel insurance mandatory for tourists.
• Some of the other countries where travel insurance is mandatory are Cuba, the UAE, Russia, Turkey, Qatar, Antarctica, and Ecuador.

How to calculate travel insurance premiums online?

Just like any other insurance policy, knowing your premium ahead of time not only allows you to compare plans but also helps you in saving a significant amount on your premium. To determine your premium online, you must use an online travel insurance premium calculator. To use this tool, you will need to enter information such as your age, destination, number of travellers and trip duration.

Tips to lower your travel insurance premium

If you are fond of exploring new places across the globe, a multi-trip policy can help you save on insurance premium.

When you buy travel insurance online, evaluate and compare the various plans as per your needs and budget.

Claim procedure for travel insurance policies

Even if you have the best travel insurance policy, dealing with unpleasant incidents on your trip might be difficult if you are unaware of the claim procedure. To initiate a claim during an emergency on your trip, you will first need to inform us over the call or via an email. Post intimation, you will have to provide the supporting documents related to your claim. Following your submission, we will evaluate the details and the documents and come back on your claim.

Things to consider while buying travel insurance online

When purchasing travel insurance online, keep the purpose of your trip in mind. Fill in your details and compare travel insurance plans to select an appropriate one from those we offer. If you travel frequently, a multi-trip policy would be excellent for you.

Before securing your trip, plan how you want to spend your holiday; this will help you determine the scope of your policy's coverage.

Health comes first, but falling sick should come last while on your trip. But if you still end up being unwell on your trip, it’ll help to have a travel insurance covering your medical expenses in a foreign land.

Check and compare the claim settlement ratio of various insurers when you buy travel insurance online.

When securing your trip, check the swiftness of the insurer's claim settlement process.

Frequently asked questions about COVID-19 for international travel insurance claims

How many times can we extend the policy, how can i cancel my travel insurance policy, do i get a grace period for my travel insurance policy, can i buy travel insurance after leaving the country, will pre-existing diseases be covered under my travel insurance policy, can i get travel insurance cover if my trip has already started, is it possible for me to claim covid-19 related hospitalisation expenses while on my trip abroad, if i cancel my trip due to covid-19, will i be compensated for the loss incurred as a result of trip cancellation, i have both health and single trip travel insurance; will the covid-19 claim will be applicable in both cases, reviews and ratings.

Our customers have rated us

Ashish Agarwal

ICICI Lombard’s salesperson was very good at his job. He was well aware of the benefits of the travel insurance plan such as emergency hotel extension and coverage against total loss of checked-in baggage. He answered all my queries, and overall, gave me good service. Thanks for your support which helped me to buy insurance without any hassle.

Your salesperson assisted me in the purchase of my travel insurance policy. She was extremely helpful, and patiently guided me through the process. She also clearly explained the policy inclusions like coverage against total loss of checked-in baggage, and exclusions. This helped me to make an informed choice. I will definitely recommend ICICI Lombard to my other friends too. Thank you.

Shoubhik Chakraborty

I wanted to buy travel insurance for my upcoming visit to Spain. ICICI Lombard’s salesperson helped me to buy a policy that was suitable for my visa requirements and for my personal insurance needs too. Overall, I’m very satisfied with her assistance. Many thanks for suggesting the perfect travel insurance plan to me.

K. Thothathiri

I’d been surfing the Internet for travel insurance. Imagine my surprise when within a few seconds of applying for a quote, I got a call from your agent. She was polite and had good command over English. She helped me to understand the policy benefits and purchase procedure, and waited patiently when I told her that I’ll get back with my response in a day.

Suparna Shankar

Your agent helped me to purchase an international travel insurance policy. He was very clear and crisp in his communication. He was also very patient and supportive, and did a good job of helping me set my ICICI Lombard insurance profile right. I would rate him 9 out of 10.

Sanober Garda

I am impressed with the assistance I received from your insurance executive. He was very helpful and patient throughout the purchase of my travel insurance policy. In fact, I would describe him as one of the best executives I have spoken with so far.

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Whether you're traveling for leisure or business, you'll appreciate the benefits and coverage Allianz Travel Insurance plans can provide. With 24/7 support from our travel professionals around the world, we helped over 70 million people last year to protect themselves from the unpredictable.

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• Travel Advice
• General Information

Getting Medical Insurance For Your Next Trip Abroad

Last Updated: May 8, 2024

Suffering a medical emergency in a foreign country is a common fear among travelers. In a recent Squaremouth survey of over 5,000 vacationers, more than 52% of respondents revealed their biggest travel concern was getting sick or injured during their upcoming trip.

Travelers have every right to be fearful. Since most U.S. health insurance plans offer limited to no coverage abroad, receiving medical care overseas can result in thousands of dollars in out-of-pocket expenses.

If you’re traveling internationally and want medical coverage, we highly recommend that you consider Travel Medical Insurance .

What is Travel Medical Insurance?

Travel Medical Insurance is a type of travel insurance that’s specifically designed to cover unforeseen medical emergencies that may arise during a trip. If you experience an unexpected injury or illness, for example, your insurance provider will reimburse your related medical expenses up to the plan’s coverage limit.

Most international travel medical insurance policies will typically cover expenses like ambulance rides, surgeries, hospital stays, doctor visits, x-rays, prescription medications, emergency medical evacuations, and other unexpected medical expenses.

Why is it Important?

If you’re a U.S. citizen, it’s likely your primary health care plan, such as Medicare or an employer sponsored policy, won’t cover overseas medical care. Without proper coverage, you’re responsible for paying all medical costs out-of-pocket.

Travel Medical Insurance acts as an international health insurance plan, offering reimbursement for unexpected medical bills during your trip abroad. While it’s likely that you may not ever need to use your plan, it may be worth the investment for the peace of mind alone.

How Much Does Travel Medical Insurance Cost?

There’s a common misconception that travel insurance is expensive. While this can be true for some policies, it’s very possible to find affordable health coverage for your next vacation that doesn’t break the bank.

According to Squaremouth data, the average cost of Travel Medical Insurance is roughly $97. Many of these plans also include protection against other travel disruptions, including delays, missed connections, baggage loss, and more.

Keep in mind that pricing can vary from one travel insurance provider to the next, so it’s important to shop around. Typically, providers price policies based on several risk factors including, but not limited to:

• The age of the travelers covered by the policy
• Your trip length
• Your destination
• Your trip costs
• The type of coverage you choose ( single-trip vs. Annual)
• The coverage limits found within the policy
• Any add-ons you choose to include

Medical Benefits Offered by Travel Insurance

When comparing travel insurance policies, the most important thing to look at is the coverage they each provide. Luckily, the majority of plans offer medical benefits that provide coverage overseas.

If your main concern is getting sick or injured during your trip, we recommend paying close attention to the following benefits:

Emergency Medical

Emergency Medical is one of the most important benefits among travel insurance customers. It covers the cost of unexpected medical bills you may encounter at any point during your trip. Due to the potentially high costs involved with seeking medical care abroad, we suggest you consider policies with at least $50,000 in Emergency Medical coverage.

Be mindful that some travel insurance providers may have you pay a medical deductible before coverage kicks in. While rare, Medical Deductibles can range from $50 to $2,500.

Medical Evacuation

If you get seriously sick or hurt while overseas, there’s a chance that the nearest medical facility won’t be the best one equipped to treat you. If a treating physician deems it necessary, the Medical Evacuation benefit will cover emergency transportation to another, more adequate medical facility or back to your home country.

The cost of a medical evacuation can quickly escalate in the tens, sometimes hundreds, of thousands of dollars. For that reason, we recommend policies that offer at least $100,000 in Medical Evacuation coverage.

Pre-Existing Condition

Traveling with a pre-existing medical condition can be a tough task, especially if flare ups are likely to occur. While most travel insurance plans exclude pre-existing conditions from coverage, some providers offer what’s called a “Pre-Existing Condition Waiver.”

This waiver essentially extends your travel medical insurance to include coverage for conditions and illnesses that were present when you purchased your plan. Pre-Existing Condition coverage is a time-sensitive benefit, meaning to qualify you must buy your policy 10-14 days after making an initial trip payment.

Cancel for Medical Reasons

A medical emergency can occur at any time, even before you depart for your trip. Most comprehensive travel insurance plans include Trip Cancellation coverage that allows you to cancel your trip due to medical reasons and be reimbursed up to 100% of your prepaid, non-refundable trip costs.

Under most plans, covered medical reasons to cancel a trip include unforeseen illnesses, injuries, or death in the family. When filing a claim, you may be required to provide documentation to support your reason for cancellation.

24-Hour Emergency Assistance

The best travel insurance companies offer 24-Hour Emergency Assistance to their policyholders. Through this service, you can get support for a wide-range of challenges you may encounter while traveling, especially when it concerns health care. Examples include:

• Overseas medical referrals
• Arrangement of medical evacuations or repatriations
• Medical claims support

How to Find the Best Medical Coverage For Your Next Trip:

There are more travel insurance policies available today than ever before. Knowing what you’re looking for and where to find it can make your search for international health insurance much more straightforward.

Below are a handful of our top tips that may be helpful to you as you evaluate your insurance options.

Determine How Much Medical Coverage You Need

As a baseline, you should be looking at policies with at least $50,000 in Emergency Medical coverage and at least $100,000 in Emergency Evacuation coverage for trips abroad. However, you may want even more health insurance coverage depending on your destination, your itinerary, and other trip details.

For example, travelers heading on a weeklong beach trip to Mexico may not need as much medical coverage as someone going backpacking in the Himalayan Mountains for a month.

It’s also important to take inventory of existing travel health insurance you may already have. Take some time to read through your primary health insurance policy to see if it offers coverage overseas. While rare, some travel credit cards may also include medical benefits.

Compare Plans From Multiple Insurance Providers

The only way to guarantee you’re getting the best plan is to get a quote from multiple travel insurance providers. You’ll be shocked at how much pricing can vary from one company to the next for similar coverage. In general, getting quotes from 3-5 providers is a good start.

You can do this manually or save time by using a travel insurance comparison website like Squaremouth. Whichever way you choose, be sure to pay close attention to each policy’s premium and medical coverage limits to determine which best fits your budget and travel needs.

Review Policy Exclusions & Limitations

Not all medical emergencies will be covered by insurance. Each travel medical insurance plan will have its own set of exclusions, which can be found in the Policy Details, that outlines what activities or scenarios would not be eligible for reimbursement.

While these exclusions will vary, most travel insurance providers won’t cover medical expenses that stem from:

• Participation in an inherently dangerous sport or activity
• Self-inflicted harm
• Pre-existing medical conditions (unless stated otherwise)
• Intoxication from alcohol or illegal substances
• Routine physicals or checkups
• Normal pregnancy or childbirth

Frequent Traveler? Consider an Annual Travel Insurance Plan

If you’re a frequent business or leisure traveler, it may be wise to consider an Annual travel insurance plan . Also known as “Multi-Trip Insurance,” this type of coverage offers trip protection for a 12-month span, no matter how many trips you decide to take during that period.

Annual plans can be cost-effective if you travel at least 2-3 times per year, and may be more convenient than purchasing a single-trip plan each time you travel.

The Bottom Line

A medical emergency can happen at any time. For peace of mind and financial protection abroad, it may be worth investing in a travel medical insurance policy.

Travel medical insurance covers unforeseen illnesses and injuries that may occur during your trip. Some plans also extend coverage to pre-existing medical conditions. If you’re nervous about having to cancel your trip due to medical reasons, we recommend a comprehensive travel insurance policy that includes Trip Cancellation coverage.

Get a quote today to begin your search for travel medical insurance.

Ranked #1 Travel Insurance for Schengen Visa

International travel insurance, let’s get you started on your overseas travel insurance journey.

Travel offers us the unique ability to taste fabulous new cuisines and experience myriad cultures. Travelling abroad gives us a chance to relive history or walk in the footsteps of our favourite film and book characters. Travel means to different things to different people. Whether you’re travelling for work or leisure, we’re sure you want to enjoy a safe and enjoyable trip!

Sadly, there are a number of things that could throw a spanner in the works. Lost luggage, a small accident or a medical emergency could all leave you alone in a foreign city. That’s why having international travel insurance is so important. With a TATA AIG international travel insurance plan, you can enjoy all the sights and sounds without sweating the small stuff. Our overseas travel insurance policy will help you deal with whatever untoward situations come your way. From delayed luggage to lost passports or being detected with COVID-19*, we’ll be with you at every step of the journey – literally and figuratively!

*Tata AIG offers coverage for medical expenses related to COVID – 19 when the insured is outside India. Policy T&C apply

Features Of International Travel Insurance

Your international travel insurance policy provides you with safety and comfort while you’re abroad. here’s a look at the features you can enjoy when you purchase a tata aig international travel plan:, cover for accidents and sickness.

Falling sick is always a terrible experience, but falling ill abroad is overwhelming. Our policy will help take care of the costs associated with getting treatment when you’re ill. But that isn’t all. An accident could lead to a short hospitalisation or could end up being fatal. Whatever happens, our international travel insurance plan will help you deal with the costs. From emergency medical treatment to medical evacuation and the repatriation of the insured’s remains, we’ll take care of everything. Our international travel policy will even provide cover for emergency dental services, if required.

Travel Assistance

Exploring a foreign country can be thrilling. But if something goes wrong, it can be downright scary. If you need any help to identify where you can get medical treatment or how to go about applying for a new passport if yours is lost or stolen, our international travel insurance plan will be there for you.

Baggage Loss Or Delay

If your bag is stolen, lost or delayed because it was sent to another location or unintentionally left behind, you don’t need to break a sweat. Our international travel insurance policy will help you deal with the cost of purchasing necessary personal items or reimburse you for the cost of your lost luggage .

Personal Liability

If you’ve involved in an accident where another individual is hurt or another person’s property is damaged, you won’t have to pay for it out of your own pocket. Our international travel insurance policy will help take care of the cost of necessary medical expenses or repairs.

Hijack Cover

If you’re the victim of a hijacking, our international travel insurance policy will provide you with distress allowance. We know it can’t make up for the trauma you experience, but we hope it helps.

Automatic Extensions

If you happen to be hospitalised abroad when your international travel insurance policy is set to expire, we’ll extend it for another 60 days or until you’re discharged. If your flight home is delayed and there’s no other way for you to get back home, we’ll automatically extend our cover for another 7 days, so you don’t have to worry about travelling without insurance.

Advantages Of TATA AIG International Travel Insurance

Covid-19 covered.

When you’re travelling abroad, we’ll help you take care of the cost of treatment for COVID-19 if you test positive in the middle of your trip & require hospitalization

Pay In Rupees Get Cover In Dollars

When you opt for an international travel insurance policy, your premiums are in Indian Rupees, but you’re covered in USD. So, you can rest easy knowing you’ll get the cover you need at an affordable cost.

Affordable Policies

Our international travel insurance policies start at just INR 40.82 per day! That’s a small price to pay for care-free travel!

Instant Policy Purchase

You can buy a TATA AIG international travel insurance policy online with just a few easy clicks. We don’t need extensive paperwork on a health check-up!

What Our Customers Are Saying

The website is friendly and easy to use.

User friendly site

Trust in TATA product. Keep the faith in the Indian customer.

First name is not taking middle name .. need to mention first name and middle name without space

Good processing and excellent insurance

Seamless experience

What’s Covered Under TATA AIG International Travel Insurance?

Our overseas travel insurance policy will help you take care of a number of situations, covid-19 covers.

Accident & Sickness Medical Expense Under the Accident & Sickness Medical Expense, Travel insurance with COVID-19 covered compensates for the medical expenses incurred by the insured because of being diagnosed with COVID-19 outside the Republic of India during the trip duration & is hospitalized. The policy provides coverage against Medical expenses upto the limit mentioned in the policy schedule.

Trip Cancellation Compensation benefit under Trip Cancellation is offered if the insured, the insured’s Travel Companion or The Immediate family of the insured or the Insured’s Travel Companion are diagnosed with COVID-19 before commencing his/her international trip. We will reimburse you the unused and non-refundable amount of your prior bookings, such as hotel booking, ticket’s cost .You would be eligible for these benefits only if you booked and paid for such services before being diagnosed with COVID-19.

Trip Curtailment/Interruption Benefits If you are travelling with Travel insurance with COVID-19 covered and you, your Travel Companion, your immediate family or your Travel companion’s immediate family are diagnosed with COVID-19 during your trip, as a result of which, your trip has to be cut short, we will reimburse the trip interruption expenses. These expenses will be inclusive of the pre-paid and unused portion of travel and accommodation expenses, which are non-refundable; additional accommodation and travel expenses incurred due to trip interruption, subject to the sum insured limit.

Automatic extension The travel insurance policy is automatically extended for a period of 7 days if a lockdown is imposed in the destination country and no alternative mode of transport is available. Subject to Terms & conditions.

Baggage Covers

Landing up somewhere without your personal belongings can be a harrowing experience. We make it easier to manage with these covers:

Baggage Delay: In case there’s a delay or misdirection of your checked-in baggage by the airline, we will reimburse you The expense of necessary personal effects items so that you can continue with your trip smoothly.

Baggage Loss: If your checked baggage gets lost in Theft or misdirection by the common carrier or also due to non delivery at its destination we will compensate you for your lost belongings. This is only applicable if your entire baggage is lost, and not for damage or partial loss of your belongings.

Journey Covers

A delayed or cancelled flight could wreak havoc on your itinerary. We cannot make up for lost time, but these covers will help you deal with the financial loss.

Lost Passport In case your passport is stolen or misplaced, our Assistance company will provide assistance to the insured by contacting appropriate authorities as well as compensating for reasonable expense in order to get a duplicate passport made.

Trip Curtailment: Any loss of travel and or accommodation expenses paid in advance by or forfeited by the insured after the commencement of the trip, Non-refundable unused portion of travel or accommodation costs or additional accommodation and / or travel expenses will be reimbursed (excluding telephone costs, meals and beverages)

Trip Cancellation: If your trip has been cancelled due to Sickness, Injury or death to: insured; insured’s Travelling Companion; insured’s Immediate Family Member; or insured’s Travelling Companion‘s Immediate Family Member, prior to the contracted departure date we will pay for the loss of deposit up to the maximum as stated in the policy.

Missed Flights Bad weather, a strike of some kind of equipment failure could mean that you miss your departure or connecting flights. If this is the case, you don’t have to worry. Our international travel insurance policy will help you deal with any additional expenses you may incur while trying to get home.

Bounced Bookings Reimbursement benefit will be paid to the insured due to non-availability of accommodation on account of over booking by the hotels or airlines even though the insured has received confirmation proof of the bookings in advance.

Theft at Home When you’re in a foreign country, you shouldn’t have to worry about what’s going on at home. If a burglary or attempted burglary leads to any damage to your home or loss of belongings, our international travel plan has your back. We’ll help take care of the costs to repair your home and replace your belongings, as long as your house is not left unoccupied for over 90 days.

Hijack Allowance While we hope none of our customer have to go through something as stressful as a hijacking, our Tata AIG's international travel insurance policy will offer something known as distress allowance in case the flight that you’re travelling on is hijacked.

Delayed Flights A Flight Delay can be an extremely stressful experience, as forwards plans get delayed, which could lead to a financial loss to the insured. Bad weather or a local strike could delay your flight by more than 12 hours. If this is the case, you might have to book another night’s stay at a hotel or incur some other additional expenses. Our international travel insurance policy will help you take care of these expenses if your flight happens to be delayed.

Personal Liability Accidents can happen at any time under any circumstance. If you happen to be involved in an accident where somebody else is harmed or injured, it could cost you quite dearly. Our international travel insurance policy will help cover any damage caused to any third-party individual or property while you’re travelling.

Fraudulent Charges Most often, our loved ones will tell us to be careful with our belongings while travelling abroad but In case your cards are stolen & are used to make unauthorized transaction, our international travel insurance policy will reimburse you for the fraudulent charges, as long as you report the issue within 12 hours of the event.

Policy Extension Your international travel insurance policy term often depends on the length of your trip. But, there are certain situations in which your flight may be cancelled or delayed for several days. We will automatically extend the term of cover of our international travel insurance policy for seven days in case your flight is cancelled or delayed and you don’t have any other travel options available.

Medical Covers

We can’t think of anything worse than having to get emergency medical treatment while you’re abroad. Luckily, our overseas travel insurance plan will help you deal with:

Medical Emergencies Falling sick or meeting with an accident abroad is not only a frightening experience but an expense one as well, Our international travel insurance policy will help you deal with the financial implications that come with meeting with an accident or falling ill while you’re abroad. The policy will cover everything right from a regular illness that requires hospitalisation to dental emergencies and even fatalities. You also have the ability to change the sum insured to suit your requirement. If you happen to fall ill or meet with an accident at the tail-end of your journey, you don’t have to worry. If you’re in hospital and your policy expires, we will continue to cover you for the next 60 days or until you are discharged, whichever is earlier.

Medical Evacuation On your Travels, you may visit places & experience cultures far from urban civilization & while we hope you have the time of your life, medical emergencies can happen anywhere, Your international travel insurance policy is your friend in times of need. If you require emergency medical evacuation to the nearest hospital, this policy will take care of that. In case you need to be evacuated and brought back to India for medical treatment, your international travel insurance policy will look after that as well.

Accidental Death and Repatriation We don’t want to think about it, but it’s possible that an accident or medical emergency abroad could end up being fatal. TATA AIG’s international travel insurance policy will provide your nominee with the full sum insured amount if this happens & also take care of the cost of repatriating the individual’s remains back to India.

*Kindly check the policy wordings for a complete understanding of the product offerings, inclusions and exclusions.

What’s Not Covered By TATA AIG's International Travel Insurance Plans?

Unfortunately, Some Things Are Out Of Our Hands. Here’s A Look At A Few Situations Where We’ll Be Unable To Help:

Journey Exclusions

• If you happen to lose your passport or are delayed because or confiscation or detention by the police, customs or other authorities, we will be unable to help out.
• If you do not report the theft of your passport to the relevant authorities within 24 hours of realising it is missing, we won’t be able to provide cover.
• Any loss that you experience due to a war or in war-like situations will not be covered.
• Damages or loss caused by a nuclear reaction, radiation, radioactive contamination or through the dispersal of pathogenic or poisonous materials will not be covered.
• In cases where the insured individual is learning to operate an aircraft or is performing duties as a member of the aircraft crew, losses and damages will not be covered.

Medical Exclusions

• If you have travelled against the advice of your doctor we will not be able to provide you with overseas travel insurance cover.
• If you suffer from a complication or require assistance due to a pre-existing health condition, the medical bills will not be covered.
• Any injuries sustained while serving as a member of the armed forces will not be covered.
• Participation in adventure sports, like skydiving, scuba diving, or mountain diving will not be covered under our international travel insurance plans.
• The medical costs of dealing with self-inflicted injuries, sexually-transmitted diseases, and mental or nervous disorders will not be covered.
• Any treatment required due to injuries sustained under the influence of alcohol, drugs, hallucinogens or other intoxicants will not be covered.

Baggage Exclusions

• Loss of baggage will not be covered in cases where you have shipped the items separately or before your travel date.
• We cannot provide cover if your baggage is delayed while you’re in India while you’re leaving for your trip or once you return.
• Your international travel insurance policy will not cover the loss of electronic items such as phones, laptops, or hearing aids. We will also not cover the loss of money, credit cards, debit cards, cheques or other securities.

When, Where And How To Choose International Travel Insurance?

Purchasing an international travel insurance policy requires a lot of thought and consideration. to help you with your decision, here’s a look at some important factors you must consider before choosing an international travel insurance policy:, destination.

Your overseas travel insurance policy will depend largely on your destination. It’s important that you check the travel insurance requirements of various countries. For example, certain countries will not issue you a travel visa unless you can show that you have sufficient cover in your international travel insurance policy.

Travel Frequency

The kind of overseas travel insurance policy you buy will depend on how often you intend to travel. If you travel very frequently, a multi-trip travel insurance plan might be ideal for you. These plans allow you to enjoy multiple trips without you having to apply for a new travel insurance policy each time. On the other hand, if you only travel once in a while, then a single trip travel insurance policy might be better for you. You can easily apply for your travel insurance policy online and have it issued instantly without the need for a pre-policy check-up.

Duration Of The Trip

While picking an Oversea travel insurance plan, you must keep the length of your trip in mind. It’s a good idea to pick an international travel insurance policy of a duration that slightly exceeds your actual trip dates. Ideally, you should be able to find a plan that offers cover for more days without it affecting your premium. This way, if you have to extend your trip for a few days, you don’t risk losing your cover.

People Travelling

If you’re travelling alone, you can purchase a international travel insurance policy just for yourself without any worries. If you’re travelling with your family, you should add each member to your international travel insurance policy. Make sure you tell us how many of you are travelling before you purchase the policy and we’ll do the needful. This makes it much easier for you to keep track of everybody’s paperwork

Claim Limit

This is possibly one of the most important factors that will influence your decision. Every travel insurance policy has a limit as to how much they will pay for various claims. For example, you will receive a specified sum in case your bags are lost or stolen. Even in medical emergencies, you must keep your sum insured amount and claim limit in mind. If you have a low claim limit, it may not be enough to take care of all kinds of medical emergencies while you’re travelling abroad. Depending on where you’re going and how long you’re travelling for, you should pick a suitable sum insured for your international travel insurance policy. A higher sum insured will lead to a higher premium, but it will come in handy if you require to file a claim while you’re travelling.

Things To Consider While Planning An International Trip Trial

Planning a trip abroad can be exhausting. there’s a lot of research and paperwork involved. here’s a look at some important things you must know before you head off on your next adventure, international travel insurance online.

First things first, secure your trip. Buying an international travel insurance policy online with TATA AIG is super simple. All you have to do is follow these simple steps:

Step 1: Tell us where you’re going, when you’re going and when you’ll be back. Step 2: Let us know how old you and the other travellers are. Step 3: Browse through the options and select the plan you like. Step 4: Provide us with a few more details, including your passport number, contact details, etc. Step 5: Make your payments and go to your email inbox – your travel insurance policy will be there!

Understanding When You Need Travel Insurance

If you ask us, you need international travel insurance every time you head abroad. But, it isn’t always mandatory. Several countries will allow you to enter without a travel insurance policy. But, if you’re heading to any of the countries listed below, you’ll need to have a good travel insurance plan to get your travel visa approved. International travel insurance is mandatory when travelling to:

Antarctica Cuba Ecuador and the Galapagos Islands Qatar Russia Schengen Countries Turkey United Arab Emirates United States of America

Where Can Indians Get a Visa on Arrival?

The visa process is often incredibly overwhelming. Luckily, you can enjoy a trip abroad without having to go through the whole process. Here’s a look at a few places you can visit where Indians either don’t need a visa at all or where they can get a visa on arrival

In North America:

In South America:

In Oceania:

Do Indians Need Insurance to Travel to Schengen Countries?

Absolutely! If you’re heading to any of the 26 central European countries counted as a Schengen country, you need to have a good international travel insurance policy in place. Apart from helping you get your visa application approved, your travel insurance plan will help take care of you in case something goes wrong while you’re travelling. For more information during the preparation of your trip to a Schengen Country, check out our below resources Schengen Travel Insurance Schengen Visa Types & Process

What Should Be Carried?

While we’re sure you’ve got your clothes and other personal effects sorted, there are a few things you absolutely have to have while travelling abroad. Here’s a quick checklist of things you should bring:

• Your passport – and make sure it doesn’t expire within the next 6 months, or you could be in trouble
• Travel adapters so you can charge your phone, laptop, camera and other personal electronic devices
• A medical kit – basic paracetamol, personal medication, bandages and plasters, pain killers and anti-allergy medicines are all necessary
• Sunscreen and moisturizer so you can explore the length and breadth of your destination without worrying about the effect it has on your skin
• International travel insurance to help you deal with any kind of bumps along the way
• A Forex card so you can shop till you drop and pick up amazing souvenirs
• A camera to capture all kinds of amazing visuals and memories
• Weather-appropriate clothing – from umbrellas and raincoats to light cotton tops and pants, you should always check the weather before you pack
• Comfortable shoes so you can walk, hike and really explore

Some Important Precautions

It doesn’t matter if this is your first international trip or your 50th one, there are a few important precautions you should always keep in mind:

• Keep your passport in a safe place. Your hotel locker is ideal. Carry a copy of your passport with you at all times as your identity proof.
• Avoid carrying too much currency on you. Use your card instead or withdraw as required. Be vigilant while using ATMs and check your card and the cash after every transaction.
• Make sure you read up on your chosen destination and make yourself aware of any kinds of common scams that target tourists.
• If you’re carrying a bit of currency, make sure you don’t put it all in one place. Keep some money in your wallet, some in hidden pocket in your bag and some in your pocket. That way, if somebody were to steal your money, they won’t be able to get all of it.

Self Service Options

A convenient way to register your claim & track your status.

Make changes to your policy & update your contact details.

Print policy document and view renewal notice

COVID-19 Update

The outbreak of COVID-19 curbed international travel for a while. Currently, Indian citizens are able to travel on Vande Bharat flights or approved carriers to countries with which we have a travel bubble. Most countries will require you to have an international travel insurance policy that covers the cost of COVID-19 medical care. With TATA AIG, you don’t have to worry. Our international travel insurance plans will help you deal with the medical costs attached with treating COVID-19 if you happen to test positive while you’re abroad. To read more click here

Covid-19 FAQs

If i am diagnosed with covid-19, who do i need to contact to seek assistance.

For America’s policies, you can either call us at +1-833-440-1575 (Toll-free within the US and Canada) or write to us at [email protected] For other policies, you can either call us at +91 – 022 68227600 (Call back facility available) or write to us at [email protected]

Will I Require Any Special Documents While Filing a Claim for COVID-19?

No, you need not submit any special documents while filing a claim under COVID-19 cover. You just need to submit your report stating that you have tested positive for COVID-19 along with other documents for expenses being claimed.

If I Am Tested Positive for COVID-19, And am Instructed to maintain a Home Isolation, Will My Medical Expenses Be Covered?

No, medical expenses incurred during home isolation are not covered. However, if you are hospitalized, your medical expenses will be covered.

I travelled to a destination with Tata AIG travel insurance covering COVID-19 and get diagnosed with COVID-19 during the trip and am hospitalized for treatment. But, during the days of my hospitalization, the policy expires. In this case, will my post-policy expiry medical charges be claimable?

In such a case, Post your policy Expiry, your medical charges will be claimable till the date of discharge or upto 60 days, whichever is lesser, provided you are hospitalized during the policy period.

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Frequently Asked Questions

Policy related, service related, do i need international travel insurance to get a visa, does the tata aig international travel insurance policy come with a free-look period, what is evacuation and repatriation coverage, what is the best travel insurance policy, will i need to complete a medical exam before purchasing travel insurance, i had to cancel my trip for personal reasons, but i already bought travel insurance. can i get a refund, are there any age limits for travel insurance, when does my international travel insurance policy coverage start, i am immigrating to another country. should i buy international travel insurance, if i’m travelling to multiple countries as part of one trip, do i need two overseas travel insurance plans, what happens if my claim is rejected, top travel destinations.

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .

Introduction to HTH Worldwide Travel Insurance

• Plans Available
• How to Purchase and Manage Your Policy

HTH Worldwide Customer Service and Support Experience

Compare hth worldwide travel insurance.

• Why You Should Trust Us

HTH Worldwide Travel Insurance Review 2024

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

No one likes to think about what could go wrong on vacation, but the truth is that anything can happen. That's why travel insurance is so important — it can help you recover from any unexpected emergencies that may occur while you're away from home.

If you're looking for a reputable travel insurance company, HTH Worldwide Travel Insurance is a great option. It's been in business for over 20 years and offers three different travel insurance plans. Whether you need basic coverage or more comprehensive protection, HTH Worldwide likely has a plan that will suit your needs.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reasonable premiums
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR coverage available with some plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical emergency and evacuation coverage
• con icon Two crossed lines that form an 'X'. Special coverages for pets, sports equipment, etc not available
• con icon Two crossed lines that form an 'X'. Limited reviews with complaints about claims not being paid
• Trip cancellation of up to $5,000 with the Economy plan and up to $50,000 with the Preferred plan
• Cancel for any reason insurance and missed connection insurance available with the Preferred plan
• Baggage delay insurance starting after 24 or 12 hours depending on the plan

HTH Worldwide is a travel insurance company owned and operated by Worldwide Insurance Services, which also operates GeoBlue Travel Insurance . In fact, many of the policies listed on HTH Worldwide's website are actually provided by GeoBlue, specifically its travel medical insurance . While we'll talk about those policies here, you can find more details in our GeoBlue review . 

HTH Worldwide's stand-alone products are its TripProtector trip cancellation policies. These offer comprehensive protection with relatively low premiums compared to many of its competitors. In fact, HTH Worldwide is among the companies included in our picks for the best cheap travel insurance . 

That said, with the premiums you're paying, you'll encounter some concessions. For one, HTH Worldwide's coverage limits are far below that of many of the best travel insurance companies, particularly when it comes to trip cancellation limits, which start at $5,000 per person for its Economy plan. 

Types of Policies Offered by HTH Worldwide

HTH Worldwide offers three primary plans: TripProtector Economy, Classic, and Preferred. Each plan has different coverage levels and features, so you can choose the one that best fits your needs. But they'll all cover (up to a specified amount) things like trip cancellation and interruption, emergency medical expenses, lost or delayed luggage, and more.

One important note, though, is that the TripProtector Economy plan is not available for trips where the per-person cost is greater than $5,000.

Below you'll find the per-person coverage limits of HTH Worldwide's three travel insurance plans:

These policies also include 24-hour emergency hotline service, an online database to search for doctors while you're traveling, a medical term translation database, and health and security news alerts.

Additional Coverage Options from HTH Worldwide

In addition to the three primary plans, HTH Worldwide also offers the following two plans, through GeoBlue, for travelers only looking for travel medical coverage:

• Single-trip option for travelers with primary health insurance:  HTH Worldwide provides a short-term international medical plan for those who have other travel insurance but need travel medical coverage. It covers pre-existing conditions and medical evacuation costs, with maximum benefit amounts ranging from $50,000 to $1 million and deductibles from $0 to $500.
• Single-trip option for travelers without primary health insurance:  This plan for travelers who don't have primary health insurance has maximum benefit amounts ranging from $50,000 to $1 million and deductibles ranging from $0 to $500. It covers pre-existing conditions for medical evacuation.
• Multi-trip option:  This annual travel insurance plan is for people who are taking multiple sub-70-day trips within a 12-month period.

The following two plans listed on HTH Worldwide's website, also supplied by GeoBlue, are designed for people who live or work outside their home country:

• Xplorer plan: This plan is for individuals and families who intend to be outside their home country for more than three months per year.
• Navigator plan: This plan is specifically for students, faculty, mission, and maritime crews who will be outside of their home country for more than three months during the year.

Like other travel insurance providers, HTH Worldwide offers additional coverages that can be purchased along with the primary policy. These add-ons are only available for a Preferred plan, not an Economy or Classic plan.

The add-ons include:

• Cancel for any reason (CFAR): Will pay 75% of any prepaid trip expenses. You must purchase coverage within 21 days of your first trip deposit, and the trip must be canceled at least two days before your scheduled departure. This add-on is only available for TripProtector Preferred.
• Collision Damage Waiver (CDW):  Coverage for your rental car in the event of damage due to crash, theft, vandalism, windstorm, fire, hail, flood, or any cause beyond your control. (Not available in NY, OR, or TX.)

HTH Worldwide Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The  average cost of travel insurance  is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for HTH Worldwide plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate HTH Worldwide coverage costs.

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

• TripProtector Economy: $93.16
• TripProtector Classic: $115.56
• TripProtector Preferred: $156.20

Premiums for HTH Worldwide plans are between 3.1% and 5.2% of the trip's cost, well within the average cost of travel insurance.

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

• TripProtector Economy: $121.41
• TripProtector Classic: $149.43
• TripProtector Preferred: $200.75

Once again, premiums for HTH Worldwide plans are between 3% and 5% of the trip's cost, within and below the expected range of travel insurance costs.

A Texas family consisting of two 40-year-old parents with a 10-year-old and 4-year-old on a two-week trip to Australia for $20,000:

• TripProtector Economy: $610.74
• TripProtector Classic: $743.15
• TripProtector Preferred: $995.04

HTH Worldwide plans cost between 3% and 5% of the trip's cost, below and within the average cost of travel insurance. 

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following quotes:

• TripProtector Economy: $324.95
• TripProtector Classic: $389.12
• TripProtector Preferred: $474.12

Premiums for HTH Worldwide plans for older-age travelers are between 5.4% and 7.9%, which is well within the average cost for travel insurance. While it's certainly more expensive than coverage for younger travelers, it's on the lower end of what travel insurance companies often quote for older travelers. 

How to Purchase and Manage a HTH Worldwide Policy

It's fast and simple to get a quote from HTH Worldwide. Visit its website and provide basic information about your trip. You'll receive an immediate quotation for the insurance plans available for your journey, so it's simple to compare each one. Make sure you have all of the following information on hand:

• Primary destination
• Age of traveler(s)
• Total trip cost
• Travel dates
• State of residence

If you're buying a trip cancellation policy, you'll be directed to the HTH Worldwide quote page, where you can choose one of three plans. If you're within the specified purchasing window, you'll also be able to add cancel for any reason coverage to the Preferred plan. 

How to File a Claim with HTH Worldwide

For medical claims, you can contact HTH Worldwide by phone at 888-243-2358 or via email at [email protected]. For all other claims, you can call 866-655-3058.

You must notify HTH Worldwide of your claim within seven days of first experiencing the covered loss. You'll also need to provide proof of loss within 90 days after the loss. The company doesn't provide an expected window for response or payment in its terms, but said that a claim usually takes anywhere from 30-45 days to process in response to a review on SquareMouth.

You can find HTH Worldwide's claim forms here .

HTH Worldwide has relatively few customer reviews to speak of. It has an average of 4.24 stars out of five across just under 500 reviews on its SquareMouth page, which comprises the vast majority of online reviews. HTH Worldwide customer reviews were very complimentary about the purchasing experience, saying it was quick.

That said, customers also mentioned that HTH Worldwide is hard to reach for anything — purchasing, traveling, and claims. This can be especially concerning if you're trying to contact the 24/7 hotline while facing an emergency. That said, when customers were able to make contact, they had generally positive things to say about the experience.

One customer getting treated for a medical emergency was given a list of recommended hospitals in their area and HTH Worldwide's connection with GeoBlue meant that some hospitals were able to direct bill instead of the customer paying and getting reimbursed. This created some hoops the customer had to jump through, including obtaining a letter from HTH Worldwide. That said, the customer writes, "The whole thing took less than 30 minutes. With that letter in tow, I was able to be seen, treated and released without payment on my part."

Learn more about HTH Worldwide compares to some of the best travel insurance providers .

HTH Worldwide Travel Insurance vs. Allianz Travel Insurance

If you look at coverage with Allianz Travel Insurance , you'll see that you can select from 10 different insurance plans. Much like HTH Worldwide, Allianz Travel Insurance offers single-trip policies and options for those who plan to be outside the country for longer. And, like with all insurance, the different plans provide varying degrees of coverage.

Allianz Travel Insurance's most popular single-trip option is the OneTrip Prime plan, which offers:

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Emergency medical coverage for $50,000
• Coverage for baggage loss, theft or damage up to $1,000
• Travel delay coverage up to $800

Compare that to HTH Worldwide's most popular TripProtector Preferred Plan and you'll see that HTH Worldwide's emergency medical coverage limit is substantially higher. But Allianz Travel Insurance's plan has better trip protection coverage limits. The right choice will depend on what coverages are most important to you and your personal situation.

Read our Allianz Travel Insurance review here.

HTH Worldwide Travel Insurance vs. Nationwide Travel Insurance

Amongst insurance providers, Nationwide Travel Insurance is one of the more familiar household names. Much like HTH Worldwide, Nationwide offers straightforward coverage with only two single-trip plans: the Essential Plan and the Prime Plan. Furthermore, Nationwide has designed policies specifically for those taking cruises or who travel frequently throughout the year.

To compare Nationwide and HTH Worldwide, we took a look at both companies' highest-tier plans.

Nationwide's Prime Plan includes coverage for trip cancellation up to $30,000, trip interruption coverage of 200% of the cost of the trip (with a maximum payout of $60,000), missed connection and itinerary change coverage each amounting to $500, per-day trip delay coverage of up to $250 for 6+ hour delays, and emergency medical evacuation with a limit of $1 million in payouts.

In comparison, HTH Worldwide's TripProtector Preferred plan offers trip cancellation coverage up to $50,000, trip interruption coverage 200% of the cost of the trip, coverage for a missed connection of up to $1,000, trip delay coverage up to $2,000, and emergency medical evacuation coverage of up to $1 million.

The two plans are quite similar in many regards. To determine which is best for you, you'll need to compare quotes based on your personal and trip-specific details.

Read our Nationwide Travel Insurance review here.

Compare HTH Worldwide vs. Credit Card Insurance

It's worthwhile to review the insurance coverage offered by your travel credit cards before you buy a separate travel insurance policy. Some essential coverages, like rental car insurance, might already be included with a card you have.

The coverage from your credit card may be enough if, for example, you don't have any non-refundable trip expenses and you're driving to your destination. Another scenario that could suffice is if your health insurance covers you while abroad, you're in decent health, and you aren't too concerned with potential medical costs while traveling.

It's essential to remember that credit card travel protection is usually secondary to the primary coverage you'd get with a travel insurance policy. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.

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

HTH Worldwide Travel Insurance FAQs

HTH Worldwide is known for its strong focus on medical coverage, providing comprehensive support during medical emergencies, including access to a wide network of hospitals and emergency medical assistance.

Yes, HTH Worldwide offers plans that cover travel to high-risk destinations, but it's important to review the specific terms and coverage limitations for such areas.

Pre-existing conditions are covered under HTH Worldwide's Classic and Preferred plans as long as you purchase your policy within 14 and 21 days of your initial trip deposit, respectively. HTH Worldwide TripProtector Economy does not cover pre-existing conditions. 

HTH Worldwidepolicies max out at 90 days. If your trip exceeds this time frame, it's best to look elsewhere for travel insurance. 

HTH Worldwide stands out for its comprehensive coverage at affordable prices. 

Why You Should Trust Us: How We Reviewed HTH Worldwide Travel Insurance

In reviewing HTH Worldwide's travel insurance offerings, we considered things like different types of coverage available, claim limits, what expenses are included, available add-ons, and typical policy costs. We then compared them to similar plans from other top travel insurance companies.

The best policy for you is the one that offers the appropriate amount and type of coverage given your needs and budget. It should also be easy to use in case you ever need to make a claim.

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

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

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

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Faye Travel Insurance Review: Is It Worth the Cost?

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Travel insurance can be a worthwhile investment, especially if you’re worried about unexpected costs during your trip. There are a ton of different travel insurance companies out there, so finding one that suits your needs can be a struggle. That’s why we’ve done the work for you.

Let’s take a look at travel insurance provider Faye to see what type of plans the company offers, the coverage levels you can expect and whether Faye travel insurance is right for you.

About Faye travel insurance

Faye is the brand name for customizable travel protection plans offered by a company called Zenner Inc. Its website notes that it specializes in quick reimbursements, which can be a big draw for travelers. Policies issued by Faye are underwritten by the United States Fire Insurance Company.

» Learn more: How to pick between travel insurance providers

Faye insurance plans

Unlike many other travel insurance companies , Faye offers only one plan.

To find out what types of coverage Faye travel insurance plans include, we generated a quote for a 44-year-old woman from Arizona who was traveling to Italy for two weeks. Her total trip cost came in at $2,000.

Here’s what Faye provides:

This plan costs 7.03% of the overall trip cost, which is typical according to NerdWallet's analysis .

The plan is comprehensive and includes coverage you don’t typically see, such as reimbursement for lost credit cards and a payment for being inconvenienced.

Faye also offers a number of customizations; there are different add-ons from which to choose, all of which vary in price. More on your options in the next section.

» Learn more: How travel insurance for domestic vacations works

Plan add-ons

If you'd like to customize your Faye travel insurance plan to meet your needs more specifically, you can add on extra coverage for more money.

» Learn more: How does travel insurance work?

What isn’t covered by Faye

Even if you purchase a very comprehensive travel insurance policy, there are still situations where you’re not covered.

These include:

Bad weather, including hurricanes, if the policy was purchased after the storm was named.

Intentionally self-inflicted injuries or suicide.

Expenses incurred while under the influence of drugs or alcohol. 

High-risk sports for which you are paid. 

Psychological disorders, unless you’re hospitalized. 

War and acts of war. 

Illegal acts. 

Piloting or learning to pilot or acting as crew of an aircraft. 

To find the full list of exclusions for your specific policy, be sure to review your plan’s benefits schedule.

» Learn more: What to know before buying travel insurance

How to choose a Faye plan online

Purchasing a Faye travel insurance plan online is simple. You’ll first want to head to the company’s website to generate a quote.

You’ll need to input information like your age, where you live, where you’re going and how long you’re going to be away. Once you’ve got that all entered in, you’ll be taken to the results page.

Here, you’ll be able to see what plan options you have available, as well as what add-ons there are to pick.

After you’ve selected the coverage you’d like, you’ll need to go through the online checkout process.

» Learn more: Is travel insurance worth it?

Which Faye plan is best for me?

Although Faye has just one base plan available for purchase, it has plenty of different add-ons from which to choose. Faye sorts its bundles and add-ons according to the trip you’re taking, so you may see your bundled offer vary from time to time.

For tentative plans . Choosing to add on a Cancel For Any Reason (CFAR) policy can provide peace of mind if your travel plans aren’t solid. With the ability to get up to 75% of your money back, you’ll just want to make sure you’re canceling at least 48 hours in advance. 

For pet owners . Not many travel insurance companies include coverage for your pets , especially not when it comes to vet bills. With a low overall cost, this add-on can make a huge difference if you end up delayed on your return. 

For those wanting to customize everything . Faye’s base plan allows customers to create tons of different customizations according to their travel needs. Even though it’s costly, it makes up for it with wholly comprehensive coverage. 

Faye’s travel insurance offerings may suit your needs, but before purchasing a plan, take a look in your wallet. Many different travel credit cards offer complimentary travel insurance , which can include benefits such as trip cancellation reimbursement, rental car insurance and more.

on Chase's website

on American Express' website

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

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

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

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

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

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

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

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

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

Terms apply.

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

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

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

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Best travel insurance plans for 2024: a unique and comprehensive list for travelers from international citizens insurance.

Including the Best Plans for Seniors, Global Nomads, Visitors to the USA, Pets, Adventure Sports Addicts and More

BOSTON, MA / ACCESSWIRE / May 2, 2024 / International Citizens Insurance, a leading international insurance broker, has announced the best travel insurance plans for 2024 summer travel. As the cost of airfare and hotels continues to rise along with the increase in flight delays and cruise cancellations, this list could not have come at a better time for travelers looking to protect their travel plans and their finances.

"This summer's travel season promises a high level of demand, increasing costs, and a strong potential for travel disruptions due to political unrest, weather, and other factors," said Joe Cronin, President of International Citizens Insurance. "Our clients want travel insurance they can trust to help them if they suffer a cancellation, a medical emergency, lost luggage, a natural disaster, or have to change plans due to unforeseen events. With this list, they will be able to find the best overall travel insurers as well as the right plans for their individual needs."

International Citizens Insurance judged each company and plan on six key criteria: the user-friendliness of their site, the ease of policy purchase, the number of countries plans are offered in, how extensive the benefits are, the ease of making a claim and the quality of the company's customer service. The most trusted insurers include WorldTrips , who made history as one of the first insurers to offer plans for purchase over the internet; GeoBlue Travel Insurance , which supports seniors with coverage for people up to 84 years old; and Trawick International, which offers coverage for over 500 adventure sports activities.

To help customers find the best insurance for their specific needs, International Citizens Insurance has also identified the best insurance for several use cases, including Cancel for Any Reason (CFAR) insurance, travel medical plans, and insurance with coverage for pets. International Citizens Insurance has also identified the best plans for clients with special needs, including seniors, missionaries and volunteers, U.S. citizens abroad, and digital nomads.

In today's unpredictable world, travel insurance has become the most essential accessory for any international traveler. Travelers want trip cancellation insurance to protect their trip and travel medical insurance plans to protect their health. But with so many companies out there, which ones can you trust?

Learn more about the best travel insurance companies at https://www.internationalinsurance.com/travel-insurance/best-companies.php .

About International Citizens Insurance

International Citizens Insurance is the insurance division of International Citizens Group. We provide educational content, reviews, and unique comparison engines that enable travelers and expatriates to research, quote, compare, and purchase global life, travel, and international health insurance from various carriers.

Contact Information

Joe Cronin President [email protected] 617-500-6738

Andrew Blomberg Vice President, Global Group Benefits [email protected] (339) 221-5190

SOURCE: International Citizens Insurance

View the original press release on newswire.com.