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The Most Trusted Travel-Review Sites

Hundreds of online platforms post traveler reviews, but only a handful police recommendations for fake or promotional content. Which ones should you rely on when planning a trip? Our expert weighs in.

Heading out the door? Read this article on the Outside app available now on iOS devices for members! >","name":"in-content-cta","type":"link"}}'>Download the app .

Any number of concerns are on our radar as we plan our next trip, from serious issues like how destinations are working to mitigate tourists’ environmental impact to inconveniences like months-long passport wait times. In this column, our travel expert addresses your questions about how to navigate the world. 

There are so many online review platforms out there—Google, Tripadvisor, Yelp. When I’m planning a trip and looking into hotels and activities, which one should I trust the most? —After Good Advice

Online, everyone has an opinion. Even seasoned travelers can find themselves easily led down the rabbit hole of online review platforms and come out overwhelmed.

A friend of mine was recently considering vacationing in Hawaii and interested in the Hana-Maui Resort. Five-star reviews on Tripadvisor tout the property as a 2022 Tripadvisor Travelers’ Choice winner, with comments highlighting it as “Exceptional” and a “Bungalow in Paradise,” though others cautioned, “Not Quite as Expected” and “Don’t Stay Here.”

When she looked further into the critiques, she discovered that the negative reviews complained of the lack of air-conditioning and TVs in rooms (who goes to Maui to watch TV?) and of wind and rain during their stays—the latter something no hotel could remedy. Knowing I live part-time on Maui, she reached out to see if I had any first-hand intel. The handful of negative comments on varying review sites gave her pause.

I believe nothing compares to word-of-mouth recommendations, particularly from someone who knows you and your travel tastes. My friend relayed that she and her husband were planning to use points to stay at a trio of Hyatt properties on Maui—in addition to the Hana-Maui Resort, they’d booked the Andaz in Wailea, and Hyatt Regency near Lahaina, both tony, amenity-laden areas on the south and west coasts, respectively.

The town of Hana, on the eastern side of the island, is the exact opposite: remote, undeveloped, sleepy. I knew my friend and her husband preferred the ocean to hiking, and they loved restaurants and nightlife. While I thought the Hana-Maui Resort was heaven, I knew they’d be bored to death and said as much.

“We’re not perfect, but we are constantly working to stay one step ahead of the fraudsters,” says Brian Hoyt, a spokesperson at Tripadvisor.

Trust plays a huge role in our travel decisions. When a friend who shares your tastes posts rave reviews about a hotel or restaurant on their Facebook page, you’re more likely to check it out. When we don’t have personal recommendations to go off, we tend to turn to review sites to see what others thought of it.

Online reviews can be a great tool for anyone planning trips, as well as for businesses looking to drum up interest from prospective adventure seekers. But how do you know which reviews and which platforms to trust?

Where to Find Reliable Reviews

For starters: no one site can (or should) be considered the only option. Because users are providing the information, the sites can inadvertently post misinformation, says Nick Ewen, director of content at The Points Guy, a travel-resource site that reaches over seven million people each month. It’s best to use multiple sites, as casting a wide net allows for a wide variety of perspectives.

Based on my interviews with dozens of travelers and industry veterans, including agents, hotel owners, and tour operators, Google, Tripadvisor, Trustpilot, and Yelp have the most reliable user-generated content. These companies have policies in place to ensure the trustworthiness of the reviews that appear and allow users to dispute content or to click icons within the post to flag suspicions, such as a review that’s promotional or not based on a genuine experience.

Tripadvisor , the world’s largest travel-guidance platform with more than one billion total reviews, has an investigations team of experts specializing in network forensics and fraud detection to help spot suspicious reviews. Shady posts often include review boosting, where a business owner asks someone connected to their company to sing their praises; review vandalism, in which someone tries to slander a business with negative reviews; or review optimization, which occurs when companies are paid to falsify reviews on a business’s behalf.

“We’re not perfect, but we are constantly working to stay one step ahead of the fraudsters,” says Brian Hoyt, a spokesperson at Tripadvisor. Last year, 1.3 million reviews were identified as fake and removed from the platform, and 72 percent were caught before being posted, he says.

Yelp also maintains a team of moderators who keep a hawkish eye out for companies that might be engaging in compensated or incentivized review behavior, which is strictly prohibited. In 2022, Yelp closed more than 77,400 user accounts for violating such policies. Both Google and Trustpilot, too, use software to automatically screen for fake reviews or promotional content.

Tips for Navigating Travel-Review Platforms

Even when you feel solid about a site, it doesn’t mean you’re immune to the barrage of opinions, good and bad. Here’s how to filter what you’re finding.

1. Consider When the Content Was Posted

The more recent the review, the more relevant an experience might be, but older reviews can paint a picture of more consistent experiences had by travelers over time. If reviews suddenly go from positive to less than glowing, consider whether the hotel, restaurant, or tour operator might be under new ownership. If someone is complaining about limited things to do at a resort while visiting in the off-season, that won’t apply if you’re planning to visit during peak periods, says Ewen. And remember: post-pandemic, the service industry continues to lack sufficient personnel; as a result, you might see more negative reviews than positive ones on this front.

2. Read Beyond the Stars

Everyone has different travel preferences, so take time to read the actual review closely, whether it’s a five- or one-star rating, says Ewen. “Someone might give an all-inclusive resort a one-star review because they were traveling for their honeymoon and couldn’t stand all of the families,” he says. “That’s hardly a negative if you’re traveling with your kids.”

3. Look for Consistency

Gather insight across review platforms to look for trends. If a hotel boasts high marks on multiple sites, chances are the reviews are accurate and it’s great. If it has mixed ratings, however, you may want to reconsider. Similarly, when looking at tour operators that run trips in multiple destinations, make sure you’re seeing positive reviews in all of those places but specifically where you’re headed. If, for example, its experiences in California are five-star but those in Utah and Colorado have been rated as mediocre, you might want to do more research or even call the outfitter and enquire about the inconsistency.

4. Use Search Filters to Save Time

As noted, first make sure you’re sorting remarks by most recent. Then use any other filters to zero in on things like the time of year you’re visiting (Tripadvisor has this functionality), specific mentions of amenities (Google has this), or even specific keywords you want to search, such as surfing or hiking (both Tripadvisor and Google offer this), recommends Ewen. With restaurants and hotels, he typically starts a search with Google, as it provides both the location and star rating together.

5. Take Bad Reviews with a Grain of Salt

You can’t please everyone. When I looked for comments about Yellowstone National Park, one of America’s most visited destinations, on Google Reviews visitors lamented, “There was no service and no way to update my Instagram” and “They don’t even let you touch the geysers, and there’s only black and grizzly bears no panda.” Before you write off an experience because of some bad reviews, take the time to actually read the criticism and decide whether it’s warranted. If there’s one bad review but 20 great ones, likely someone had a bad day.

It’s also worth noting whether anyone from the company responded to a negative post. “A bad review is a great opportunity to showcase your true colors,” says Melanie Fisher, an Oregon-based travel agent who also rents a property on Airbnb. “As the business owner, how you respond is very important. If you come across as rude and condescending, you are just confirming the bad review was deserving. Instead, if you respond, explaining how you couldn’t meet the customer’s needs—unsafe, unrealistic, never agreed upon, natural disaster—and you did everything in your power to make it right, others will understand more about you and your business—and in most cases respect the business more.”

Go Beyond the Reviews for Information

Tripadvisor’s forums and journalist-reported travel stories , on topics like family-friendly Greek islands and epic road trips in Ireland, can offer helpful vacation tips and trip inspiration. And take a gander at traveler- or diner-submitted photos. Yelp’s Ask the Community feature allows users to post queries for Yelpers to weigh in on, like how much time you should budget for a visit to New York City’s Museum of Natural History (at minimum four hours).

When looking for activities, Ewen’s first stop is often the website of the local tourism board. “While these marketing organizations have a vested interest in promoting the destination, they also have no incentive to send you on a bad tour, because that’s a loss for the destination itself,” he says. “Virtually every tour or activity I have booked in this way has been positive.”

Magazines, both print and digital (like Outside ), are another great source to legitimize any opinions you read on user-generated review sites. Additionally, the social-media feed of a company can provide insight. Have travelers left positive comments on a hotel or tour operator’s Instagram or Facebook feed? Has that company made an effort to interact with customers? Finally, if you’re mid-trip and still looking for recommendations, chat up the locals. I’ve discovered some of my most memorable meals and hikes based on tips from a bartender.

Have a question of your own? Drop us a line at [email protected] .  

Outside correspondent Jen Murphy is one of the most well-traveled people we know, and we’ve long relied on her expert advice about awesome adventures and how to get there in a sane way.

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7 Steps to Writing a Great Travel Review

Writing a travel review helps ensure that future travelers select the right destination and accommodations for them..

Whether you’re planning to write a professional travel review for an offline or online publication, or you’re writing a consumer travel review to submit to one of the popular travel reviews sites, follow these simple steps:

Step 1 – Do your homework

Research your destination ahead of time . Have a general idea of the layout of the property or area you’ll be visiting. Familiarize yourself with the history of your location. Contact the Convention and Visitors Bureau (CVB) at least 3 weeks prior to your visit and ask them to send you a press kit including maps, brochures and a travel guide, which will help with your research.

Step 2 – Take notes

Jot down meaningful experiences or descriptions that you might otherwise forget when you start writing. It might seem a little counter-intuitive to take notes during a relaxing vacation, but these notes will be very valuable when you sit down to start composing the review. Even if you just jot down a few key words, this will stimulate recall of details that are essential to an effective travel review.

What details should you look for at your accommodations?

• Check in: Greeting and welcome . Are your reservations and special requests in order? If the property is large, are you offered a map or a tour?
• Facilities . Are they clean and well maintained?  Modern or outdated? Be sure to check out the Fitness room, pool area, bars, restaurants, common areas, and any sports facilities.
• Guest Room . Does the room match the photos and description as you expected? What in-room amenities are offered?
• Check out: Was checkout a no-hassle process? Were all your charges recorded accurately?

Step 3 – Arrange a tour

Prior to your visit, arrange a press tour of the property or destination when you arrive. When touring a hotel or other property, ask to see a variety of room types if the rooms are vacant.

Step 4 – Take pictures

Not only do pictures enhance your review and provide rich content, reviewing the photos after the visit can help you recall details when you’re writing your review. If you’re posting your review to a consumer travel reviews site, upload photos and post them with your review.

Step 5 – Don’t delay

Write the review soon after your visit is complete – even if it’s just a draft to get your thoughts down. You can refine it later. Delaying your travel review writing may cause you to leave out details that will make the review more interesting and thorough.

Step 6 – Be fair

Remember that just because you may not like something – in particular subjective things like the cuisine or décor – that doesn’t mean that others won’t love it……the phrase “one man’s trash is another’s treasure” is applicable when writing a travel review, there are many ways to describe a place without injecting subjective opinions.

Step 7 – Get it published

Submit your review to the appropriate outlets ( newspaper, magazine, or online publication ). If you’re submitting your review as a consumer, rather than as a professional travel writer, choose reputable sites that tend toward high quality content. TripAdvisor is very popular among consumers and tends to have content-rich travel reviews. Yahoo Travel, City Search and Yelp are a few others, but with less rich content.

Step 8 – Follow up

Once the travel review or article is published, let the business or CVB know you’ve published it. This is particularly important if the review is glowing or if you experienced problems during your visit. The property deserves to know if you’ve written a review, particularly a negative one, and may appreciate a conversation with you about the particulars. It can also be used as a tool by the property to improve their processes and business. A neutral and fair review is critical to both of these objectives. Resist the urge to be sarcastic, rude or overly critical .

One final tip: Write a review that will have mass appeal. Cover a wide a variety of travel categories within your review. My area of expertise is in writing spa reviews, but I when I write a travel article with a spa focus, I make sure to cover accommodations, dining, and non-spa activities to appeal to a wider audience.

What are your tips for writing an effective travel review article? Share them here!

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Michele McIntyre is a freelance travel writer with a passion and enthusiasm for writing about spas.  She is a National Spa Examiner for Examiner.com, and her articles and spa reviews are also featured on InnerRewards.com, eHow.com, ezinearticles.com, tripology.com, tripatlas.com and ruba.com. 

Michele blogs about topics related to the spa industry at http://everythingspa.wordpress.com/

When Michele is not traveling or visiting spas, reviewing spas, writing about spas and thinking about spas, she enjoys camping, hiking, reading (yes, often about spas), boating, walking, skiing, wine and spending time with friends and family. Michele lives near Syracuse, NY with her husband and son.

You can follow Michele on Twitter: http://twitter.com/cnyspagirl You can find Michele on Facebook: http://www.facebook.com/profile.php?id=1123403038&ref=name

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Thanks for the great tips on writing a review. I’ll keep these in mind the next time I “attempt” to write a review (not my strongest writing). I stayed in a hostel in Edinburgh, Scotland…maybe I’ll write a review on it…I did enjoy my stay…

Great article – thanks for the tips :)

Thank you! I hope I inspire you to write travel reviews – either professionally or personally. It really does help the consumer make a great travel decision.

I think the taking pictures tip is one of the most important! You’d be surprised at how much you forget between the time you visit and the time you write the review-even if you don’t delay. I also like to compare what they advertised on their website to the actual experience … not always the same thing! .-= Cherrye at My Bella Vita´s last blog post: Travel Tip Tuesday: Don’t Make These Five Mistakes When Planning Your Trip to Italy =-.

Thank you for the tips on writing travel reviews..I have been writing reviews on tripadvisor for more than 5 years, and within the past few months I have created a page on shutterfly to showcase my reviews and pictures which is turning out very well.

I especially liked your tip on writing a review with mass appeal. I actually got a light bulb moment from that. I don’t travel as much as I would like, but one thing I find most appealing are all inclusive resorts, whether it be in the caribbean, mexico etc..and your tip about covering a wide variety is a good point, because my husband and I do not confine ourselves to the resort as so many travelers do. We like to venture offsite and explore as well.

Thanks again

Hi Louise – Thanks for the comment! I am thrilled that you had a “light bulb moment” on my advice to write a review with mass appeal. While you and your husband may enjoy all-inclusive resorts, your readers may also want to know some pointers on the destination itself and the surrounding area.

Travel often and travel safely,

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Frequently Asked Questions: Guidance for Travelers to Enter the U.S.

Updated Date: April 21, 2022

Since January 22, 2022, DHS has required non-U.S. individuals seeking to enter the United States via land ports of entry and ferry terminals at the U.S.-Mexico and U.S.-Canada borders to be fully vaccinated for COVID-19 and provide proof of vaccination upon request.  On April 21, 2022, DHS announced that it would extend these requirements. In determining whether and when to rescind this order, DHS anticipates that it will take account of whether the vaccination requirement for non-U.S. air travelers remains in place.

These requirements apply to non-U.S. individuals who are traveling for essential or non-essential reasons. They do not apply to U.S. citizens, Lawful Permanent Residents, or U.S. nationals.

Effective November 8, 2021, new air travel requirements applied to many noncitizens who are visiting the United States temporarily. These travelers are also required to show proof of COVID-19 vaccination. All air travelers, including U.S. persons, must test negative for COVID-19 prior to departure. Limited exceptions apply. See  CDC guidance  for more details regarding air travel requirements.

Below is more information about what to know before you go, and answers to Frequently Asked Questions about cross-border travel.

Entering the U.S. Through a Land Port of Entry or Ferry Terminal

Q. what are the requirements for travelers entering the united states through land poes.

A:  Before embarking on a trip to the United States, non-U.S. travelers should be prepared for the following:

• Possess proof of an approved COVID-19 vaccination as outlined on the  CDC  website.
• During border inspection, verbally attest to their COVID-19 vaccination status. 
• Bring a  Western Hemisphere Travel Initiative  compliant border crossing document, such as a valid passport (and visa if required), Trusted Traveler Program card, a Department of State-issued Border Crossing Card, Enhanced Driver’s License or Enhanced Tribal Card when entering the country. Travelers (including U.S. citizens) should be prepared to present the WHTI-compliant document and any other documents requested by the CBP officer.

 Q. What are the requirements to enter the United States for children under the age of 18 who can't be vaccinated?

A:  Children under 18 years of age are excepted from the vaccination requirement at land and ferry POEs.

Q: Which vaccines/combination of vaccines will be accepted?

A:  Per CDC guidelines, all Food and Drug Administration (FDA) approved and authorized vaccines, as well as all vaccines that have an Emergency Use Listing (EUL) from the World Health Organization (WHO), will be accepted.

Accepted Vaccines:

• More details are available in CDC guidance  here .
• 2 weeks (14 days) after your dose of an accepted single-dose COVID-19 vaccine;
• 2 weeks (14 days) after your second dose of an accepted 2-dose series;
• 2 weeks (14 days) after you received the full series of an accepted COVID-19 vaccine (not placebo) in a clinical trial;
• 2 weeks (14 days) after you received 2 doses of any “mix-and-match” combination of accepted COVID-19 vaccines administered at least 17 days apart.

Q. Is the United States requiring travelers to have a booster dose to be considered fully vaccinated for border entry purposes?

A:  No. The CDC guidance for “full vaccination” can be found here.

Q: Do U.S. citizens or lawful permanent residents need proof of vaccination to return to the United States via land POEs and ferry terminals?

A:  No. Vaccination requirements do not apply to U.S. citizens, U.S. nationals, or Lawful Permanent Residents (LPRs). Travelers that exhibit signs or symptoms of illness will be referred to CDC for additional medical evaluation.

Q: Is pre- or at-arrival COVID testing required to enter the United States via land POEs or ferry terminals?

A: No, there is no COVID testing requirement to enter the United States via land POE or ferry terminals. In this respect, the requirement for entering by a land POE or ferry terminal differs from arrival via air, where there is a requirement to have a negative test result before departure.

Processing Changes Announced on January 22, 2022 

Q: new changes were recently announced. what changed on january 22.

A:  Since January 22, 2022, non-citizens who are not U.S. nationals or Lawful Permanent Residents have been required to be vaccinated against COVID-19 to enter the United States at land ports of entry and ferry terminals, whether for essential or nonessential purposes. Previously, DHS required that non-U.S. persons be vaccinated against COVID-19 to enter the United States for nonessential purposes.  Effective January 22, all non-U.S. individuals, to include essential travelers, must be prepared to attest to vaccination status and present proof of vaccination to a CBP officer upon request. DHS announced an extension of this policy on April 21, 2022.

Q: Who is affected by the changes announced on January 22?

A: This requirement does not apply to U.S. citizens, U.S. nationals, or U.S. Lawful Permanent Residents. It applies to other noncitizens, such as a citizen of Mexico, Canada, or any other country seeking to enter the United States through a land port of entry or ferry terminal.

Q: Do U.S. citizens need proof of vaccination to return to the United States via land port of entry or ferry terminals?

A: Vaccination requirements do not apply to U.S. Citizens, U.S. nationals or U.S. Lawful Permanent Residents. Travelers that exhibit signs or symptoms of illness will be referred to CDC for additional medical evaluation. 

Q: What is essential travel?

A:  Under the prior policy, there was an exception from temporary travel restrictions for “essential travel.” Essential travel included travel to attend educational institutions, travel to work in the United States, travel for emergency response and public health purposes, and travel for lawful cross-border trade (e.g., commercial truckers). Under current policy, there is no exception for essential travel.

Q: Will there be any exemptions? 

A: While most non-U.S. individuals seeking to enter the United States will need to be vaccinated, there is a narrow list of exemptions consistent with the Centers for Disease Control and Prevention (CDC) Order in the air travel context.

• Certain categories of individuals on diplomatic or official foreign government travel as specified in the CDC Order
• Children under 18 years of age;
• Certain participants in certain COVID-19 vaccine trials as specified in the CDC Order;   
• Individuals with medical contraindications to receiving a COVID-19 vaccine as specified in the CDC Order;
• Individuals issued a humanitarian or emergency exception by the Secretary of Homeland Security;
• Individuals with valid nonimmigrant visas (excluding B-1 [business] or B-2 [tourism] visas) who are citizens of a country with limited COVID-19 vaccine availability, as specified in the CDC Order
• Members of the U.S. Armed Forces or their spouses or children (under 18 years of age) as specified in the CDC Order; and
• Individuals whose entry would be in the U.S. national interest, as determined by the Secretary of Homeland Security.

Q: What documentation will be required to show vaccination status?

A:  Non-U.S. individuals are required to be prepared to attest to vaccination status and present proof of vaccination to a CBP officer upon request regardless of the purpose of travel.

The current documentation requirement remains the same and is available on the CDC website . Documentation requirements for entry at land ports of entry and ferry terminals mirror those for entry by air.

Q: What happens if someone doesn’t have proof of vaccine status?

A: If non-U.S. individuals cannot present proof of vaccination upon request, they will not be admitted into the United States and will either be subject to removal or be allowed to withdraw their application for entry.

Q: Will incoming travelers be required to present COVID-19 test results?

A: There is no COVID-19 testing requirement for travelers at land border ports of entry, including ferry terminals.

Q: What does this mean for those who can't be vaccinated, either due to age or other health considerations? 

A: See CDC guidance for additional information on this topic. Note that the vaccine requirement does not apply to children under 18 years of age.

Q: Does this requirement apply to amateur and professional athletes?

A: Yes, unless they qualify for one of the narrow CDC exemptions.

Q: Are commercial truckers required to be vaccinated?

A: Yes, unless they qualify for one of the narrow CDC exemptions. These requirements also apply to bus drivers as well as rail and ferry operators.

Q. Do you expect border wait times to increase?

A:  As travelers navigate these new travel requirements, wait times may increase. Travelers should account for the possibility of longer than normal wait times and lines at U.S. land border crossings when planning their trip and are kindly encouraged to exercise patience.

To help reduce wait times and long lines, travelers can take advantage of innovative technology, such as facial biometrics and the CBP OneTM mobile application, which serves as a single portal for individuals to access CBP mobile applications and services.

Q: How is Customs and Border Protection staffing the ports of entry? 

A: CBP’s current staffing levels at ports of entry throughout the United States are commensurate with pre-pandemic levels. CBP has continued to hire and train new employees throughout the pandemic. CBP expects some travelers to be non-compliant with the proof of vaccination requirements, which may at times lead to an increase in border wait times. Although trade and travel facilitation remain a priority, we cannot compromise national security, which is our primary mission. CBP Office of Field Operations will continue to dedicate its finite resources to the processing of arriving traffic with emphasis on trade facilitation to ensure economic recovery.

Q: What happens if a vaccinated individual is traveling with an unvaccinated individual?  

A:  The unvaccinated individual (if 18 or over) would not be eligible for admission.

Q: If I am traveling for an essential reason but am not vaccinated can I still enter?

A:  No, if you are a non-U.S. individual. The policy announced on January 22, 2022 applies to both essential and non-essential travel by non-U.S. individual travelers. Since January 22, DHS has required that all inbound non-U.S. individuals crossing U.S. land or ferry POEs – whether for essential or non-essential reasons – be fully vaccinated for COVID-19 and provide related proof of vaccination upon request.

Q: Are sea crew members on vessels required to have a COVID vaccine to disembark?

A:  Sea crew members traveling pursuant to a C-1 or D nonimmigrant visa are not excepted from COVID-19 vaccine requirements at the land border. This is a difference from the international air transportation context.

Entering the U.S. via Air Travel

Q: what are the covid vaccination requirements for air passengers to the united states  .

A:  According to CDC requirements [www.cdc.gov/coronavirus/2019-ncov/travelers/noncitizens-US-air-travel.html | Link no longer valid], most noncitizens who are visiting the United States temporarily must be fully vaccinated prior to boarding a flight to the United States. These travelers are required to show proof of vaccination. A list of covered individuals is available on the CDC website.  

Q: What are the COVID testing requirements for air passengers to the United States?  

A:  Effective Sunday, June 12 at 12:01 a.m. ET, CDC will no longer require pre-departure COVID-19 testing for U.S.-bound air travelers.

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6 Ways to Ensure Travel Reviews Don’t Steer You Wrong

Robots, paid reviewers and those with a grudge can mask authentic, reliable reviews.

Cheryl Maguire,

The best way to plan your next vacation is by doing some sleuthing. Websites like Google, Tripadvisor, Booking.com and Expedia offer customer reviews for accommodations, restaurants and tour companies located at your intended travel destination. 

Reviews can provide valuable information to help you decide if the business is a good fit for your travel needs. But with some reviews written by  artificial intelligence robots   that can automate tasks, and others by paid reviewers, sometimes it can be difficult to determine which reviews are trustworthy.   Other reviews may be fueled by personal grudges or even intentional saboteurs. The World Economic Forum found that on average 4 percent of reviews on sites like Tripadvisor, Yelp, Trustpilot and Amazon were fake.

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For professionals like Shelby Dziwulski, founder and CEO of the Denver-based travel company Authenteco, distinguishing fake reviews from real ones is essential to ensure her clients’ satisfaction. “We have an entire structured checklist and operating procedures for how to read reviews,” she says.

Dziwulski and other travel experts offer the following strategies to do your own travel review sleuthing:

Investigate the reviewer’s profile

One easy way to assess the accuracy of the travel review is to click on the  reviewer’s profile . “Most of the time people will have 15 or 20 reviews of the places they’ve been,” Dziwulski says. If a profile has more than 1,000 reviews, then they are probably getting paid or are a bot.

You can also pay attention to the person’s profile picture and name. “If the icon is a generic picture, or if it’s not an actual human being, then that’s a red flag,” says Sahara Rose De Vore, founder and CEO of the Travel Coach Network, a company that connects travelers with travel experts. A generic name, like John Smith, could be an indicator the review is fake, she says.

And don’t forget to check out reviews they have left for other businesses. “If you click on a person and they’ve left 50 reviews in their lifetime and every single one of them is one star, then we don’t trust them,” Dziwulski says. She explains that these “negative Nancys” tend to be overly biased — they’re impossible to satisfy and their reviews reflect their skewed view of the world.

If a person left a mix of four-  and five-star reviews and only one negative review, then you may want to pay attention to the issue they had and investigate it. This type of reviewer, Dziwulski says, is a “great source.”

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Another troublesome sign in the reviewer profile is the length and details of the reviews that they leave. “The fake paid-for reviews are usually short,” says Darley Newman, host, creator and producer of the PBS show  Travels With Darley.  Nathan Fluellen, the creator and host of the web travel show  World Wide Nate , says he looks for reviews that provide context and not just generalized statements. Newman adds that a lot of reviews left in a short amount of time is suspicious .

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Search for patterns in the reviews

One way to figure out if the reviews for a hotel or tour company are accurate is by searching for patterns. “We look at trends,” Dziwulski says. “If you have six people that have all said the staff here is awful, the staff is probably awful.” She says that if her team finds one review that commented on an aspect of the hotel, they ask, “Did anyone else say the same thing?”

For example, Wi-Fi reception is usually a hot topic in hotel reviews. If at least 20 of the most recent reviews for the hotel refer to poor Wi-Fi reception, then you can probably expect slow Wi-Fi service when you visit. But “if the majority of the reviews are saying the Wi-Fi is good, then I put my trust into that,” says De Vore.

Read reviews from multiple sources

If you are thinking about staying at a hotel, you’re often able to find reviews for that hotel on multiple websites such as Tripadvisor, Booking.com and Expedia. Dziwulski makes a point of looking for reviews for a particular venue in multiple places. “We never just go with one source,” she says.

You can then look for trends in the reviews on different websites. This may also make it easier to spot fake reviews, since usually people leave reviews on only one website. “If you look at another review site, and you see a similar review, then you may question that one,” Newman says. Bots or paid reviewers usually leave the same review on multiple sites.

Read the middle-of-the-road reviews

The positive reviews might be paid reviews whereas the negative reviews could be a person nursing a grudge. By reading middle-of-the-road reviews you might get a more accurate picture of the hotel or tour company. “I try to look at those middle-of-the-line reviews” because the overly negative and overly positive ones aren’t accurate, Newman says. 

De Vore also focuses on average reviews when researching accommodations. She says that often people don’t love or hate everything about a hotel, so an average review gives you a more realistic impression of what to expect.

Pay attention to the business response

Hotel managers know that customers use reviews to determine where they will book. They also want people to return to their hotels. If a person has a negative experience and takes the time to write about it in a review, then a hotel manager should address the concerns. How the hotel responds to complaints is also important information you can use. 

“If the owner doesn’t respond to horrible reviews, usually that’s not a business we want to go with,” Dziwulski says. A hotel manager that provides great customer service will respond to negative reviews and ask, “How can we fix this?”

If the manager’s response is not appropriate, then you probably want to avoid that hotel. “If the response back is bitter, and they’re taking it personally, and they’re being nasty to a client who paid them money, we don’t want to work with them,” Dziwulski says.

Contact the business directly

If you are still unsure if you can trust the reviews, the best option might be to directly contact a manager at the hotel or tour company. You can ask about the negative reviews you read and if the issues have been addressed. This also gives the manager a chance to make sure you receive anything you might need, like accessibility features. They might throw in a free upgrade or other perks to ensure that they receive a positive review from you. 

Cheryl Maguire is a freelance writer whose work has been published in The New York Times , National Geographic , The Washington Post , The Boston Globe , Parents Magazine , Healthline and many other publications. She is a professional member of the American Society of Journalists and Authors. ​​

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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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Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology .

How To Use Costco Travel To Save Money

Katie Seemann

Senior Content Contributor and News Editor

343 Published Articles 51 Edited Articles

Countries Visited: 28 U.S. States Visited: 29

Keri Stooksbury

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Michael Y. Park

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Costco Membership

Costco travel, price comparisons, vacation package included activities, costco travel cruise deals, searching and booking, costco theme parks and specialty vacations, final thoughts.

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When you hear “Costco,” chances are the first thing that comes to mind is the big-box warehouse, a gigantic market where you can get wholesale prices on groceries, cheap home goods, affordable gifts, clothing, and alcohol. Did you also know Costco has an in-house travel agency?

Costco Travel offers vacation packages, hotel rooms, cruises, and rental cars to Costco members.

By taking advantage of the same bulk-purchasing power that it uses in retail, Costco can secure group rates when putting together vacation packages and bundles.

In this post, we’ll go over everything you need to know about Costco Travel and whether or not it can save you money on your next vacation.

There are 2 levels of Costco membership, and you must be a member to use Costco Travel .

• Gold Star: $60 per year
• Executive: $120 per year

Costco Executive members receive 2% back annually on qualifying Costco purchases, including Costco Travel purchases, up to $1,000 per year. This 2% reward comes as a certificate that can be redeemed for most Costco in-store purchases.

If you spend at least $3,000 per year on Costco purchases, including Costco Travel purchases, you’ll earn enough through the 2% yearly reward to negate the extra cost of the Executive membership.

A Costco membership is required to book vacations through Costco Travel. Costco Executive members can earn 2% in rewards on qualifying Costco purchases, including Costco Travel.

Costco Travel is an online travel agency available to Costco members only. It offers vacation packages, hotels, cruises, rental cars, and theme park and specialty bookings . Interestingly, you can’t book a flight through Costco Travel unless it’s included in a vacation package.

You can access Costco Travel by selecting Travel on the Costco website or by visiting costcotravel.com .

To view prices, you must be a Costco member, and you need to create a Costco Travel account, which is separate from your Costco.com account, before you can book anything. To do this, you just need your Costco membership number and an email address.

Costco Vacation Packages

A Costco Travel vacation package includes a hotel stay with a flight and/or a rental car. Searching for a vacation package works like any other online travel agency you may be familiar with. First, you need to input your travel destination, number of travelers, dates, and departure city.

The search results list, which defaults to Costco recommendations first, is easily filtered and sorted to find exactly what you’re looking for.

The total package price is displayed along with any included extras, such as a Costco digital shop card.

After choosing a package, click on View Deals & Customize . You can see what’s included in the package and select different flights or choose an upgraded room. The cost of your package automatically adjusts based on your choices. Remember that the price and extras, such as the Costco shop card that comes with many travel packages, may change as you alter your options.

Once you finalize the details of your Costco Travel package, you can select whether you want just to pay a deposit or pay for the entire trip. Payments can be made with a Visa or Mastercard . American Express cards aren’t accepted.

While only Visa cards are accepted in Costco stores, you can pay for a Costco Travel package using a Visa or a Mastercard.

We wanted to see how Costco Travel vacation package prices stacked up, so we checked out a few options. These examples include a 7-night package for 2 people, including hotel accommodations and flights.

Costco Travel offered the best packages for the first 2 examples. Not only was the package price the lowest, but Costco’s packages also included airport transfers and Costco shop cards, making them an even sweeter deal.

However, the third package illustrates that Costco Travel isn’t always the best option. In this example, Costco Travel was the most expensive. However, it included a daily breakfast buffet and a walking food tour. The cheapest option was Expedia, but that package was completely nonrefundable, which may not be worth the savings for some travelers.

One thing to look out for when booking a vacation package through Costco Travel is that they sometimes include extras that you don’t really want . If you remove these extras, the price drops, but some packages require you to add an activity.

For example, this European vacation package included a walking food tour in the quoted price.

After tour was removed, the price dropped by $582.44 ! That’s a huge price to pay for a walking tour, and it would have been easy to assume it was a part of the package when, in reality, it cost a lot extra.

The bad news is that some vacation packages don’t let you to opt out of an activity . In this example, there were 5 activity options available ranging in price from $582 to $1,590.

This can add a lot of unnecessary costs to a Costco Travel vacation package.

Costco Vacations travel packages include a hotel plus a flight and/or rental car. These packages often offer tremendous savings over booking through other websites or booking each element separately. However, Costco Travel won’t always offer the lowest price, so it’s good to shop around a bit before booking any vacation package.

Costco Hotels

Searching for a hotel through Costco Travel works just like any other online travel agency you may be familiar with. However, the options for booking a hotel without a vacation package are limited .

To begin, click on the Hotels tab on the Costco Travel website and then enter the city, dates, number of people, and the number of rooms.

Results appear on the next screen, with options to filter the list by a specific hotel, hotel chain, area, amenities, member reviews, and ratings. The results list can be sorted by price, but you only see prices if you enter your Costco number.

Remember that when you book a hotel through Costco Travel, you aren’t eligible to earn hotel loyalty points, nor will the hotel recognize any elite status you have . If you’re loyal to a particular hotel chain, such as Hyatt , Hilton , or Marriott , it’s important to weigh any savings against the benefits and points you’d give up.

After selecting a hotel, you can choose a different room, and the price will adjust automatically.

Payment options and cancellation policies can vary based on the hotel and rate you choose, so be sure to read the fine print carefully before you book.

We priced out a couple of hotel stays to see if Costco Travel offered competitive pricing. We found examples of Costco’s price being both higher and lower than the hotel website’s price. You may be able to find a great deal, but it’s not guaranteed.

There are a limited number of hotels you can book through Costco Travel unless you’re booking a package. You may find there are no options even in popular cities and vacation spots, so it can be frustrating to book a stand-alone hotel through Costco Travel.

Costco Cruises

Like many online travel agencies, Costco offers deals, perks, and specials when booking cruises. Sometimes, these can be quite valuable, but as always, it pays to shop around.

If you know more or less what you want, it’s easy to search for cruises on Costco Travel. Just go to the home page, click the Cruises tab, and enter your destination, departure month, specific cruise line (if you have a preference), and duration.

You can also select an option to search for Alaska cruise tours, which combines a cruise voyage and a guided land tour before or after the voyage.

The results page lists every matching available cruise, with options to filter and sort the results. Each result shows the available room types and any included extras, such as a Costco Cash Card (gift card), onboard credit, or discount.

The price listed in Costco Travel’s cruise search results is per person and doesn’t include taxes and fees.

One of the downsides of using Costco Travel to search for a cruise is that you can only search for 1 month at a time . While other cruise booking websites allow you to search by year or any combination of months, Costco Travel requires you to pick a specific month to travel.

When you find the right cruise, you can select your stateroom type, the number of people joining, and even the specific room location. You can also choose to add flights and pre- or post-cruise hotels to a package.

Some cruise lines offer their own credit card with cruise rewards, but a more general travel rewards card like The Platinum Card ® from American Express almost always offers a better value. For more information, check out our full guide to the best credit cards for booking cruises .

You can browse available deals, packages, and popular options if you aren’t set on a specific cruise, date, or region. You find these options by scrolling down on the Costco Travel cruise page, where you can explore by destination, category (such as last-minute cruises or luxury cruises), departure port, or cruise line.

We priced out cruises on Costco Travel and the cruise lines’ websites and found that the cost was usually lower with Costco Travel, especially considering they all came with Costco shop cards.

However, getting accurate pricing on a cruise can be tricky . For example, for the Norwegian cruise, the cost was higher on Norwegian’s website initially, but that’s because it included Free at Sea promotions. With those removed, the cost was the same. Booking through Costco came with a $70 shop card but didn’t give you the ability to add the Free at Sea promotions (which could be very valuable for some guests).

In our research, we’ve found that most cruise booking websites offer the same (or very similar) pricing. The difference is in the extras offered, like a Costco shop card, drink packages, or shipboard credit.

It’s always smart to price out a cruise on multiple websites, and Costco Travel could be a great place for Costco members to start.

Costco Car Rentals

Costco Travel also includes a stand-alone car rental booking feature in addition to letting you rent a car as part of a vacation package.

Unlike some other online travel agencies that offer just about everything under the sun, Costco sticks with 4 big car rental agencies: Alamo , Avis , Budget , and Enterprise.

If you would prefer to get your rental from another company like Hertz or Dollar , you should book directly or use a more inclusive portal like AmexTravel.com or Orbitz .

When renting a car, be sure to use a credit card that comes with car rental insurance . You’ll need to decline the rental company’s collision or loss damage waiver (CDW/LDW) for the credit card insurance to be active. Some of our favorite options, such as the Chase Sapphire Preferred ® Card , include primary coverage.

To search for a rental car, input the pickup and drop-off locations, dates, and times, and then click Search .

Search results are shown in a grid, with the 4 companies as the columns and the various classes of cars available as the rows. The lowest prices for each type of car are shown in red , and the price includes taxes and fees. You can click on any price to see the terms and conditions for that rental.

We did some price comparisons using the metasearch engine Kayak , and we always found lower prices on rental cars through other websites .

That doesn’t mean that Costco will never have the best price, however. Car rental prices fluctuate, so it’s always best to price out your rental on multiple websites before booking.

Costco Travel also offers the ability to book select theme parks and specialty vacations .

• Adventures by Disney
• Aulani, A Disney Resort and Spa
• Brendan Vacations Ireland & Scotland
• Disney Cruise Line
• Disneyland (vacation packages)
• Evan Evans Britain’s Finest Sightseeing Tours
• Insight Vacations
• Lion World Travel (African safaris)
• Luxury Gold
• Trafalgar Worldwide Guided Vacations
• Walt Disney World (vacation packages)

To book a theme park or specialty vacation package through Costco Travel, you first choose the package type you’re looking for.

Then, you can see each package’s inclusions and details. Each vacation package includes different components, so it’s important to read the details carefully.

Pricing information isn’t displayed until all package components are selected, so it can be a bit tricky to search based on your vacation budget .

For Costco members , using the retailer’s travel service can present an opportunity to save some cash on an incredible vacation. Through negotiated rates with hotels, tour providers, and more, Costco can sometimes offer generous discounts or great added perks.

As always, make sure to compare prices and read all terms. While Costco may offer a price advantage for one service, another portal might win for something else, while direct booking may be the best option for yet another aspect of your travel.

Lastly, if you plan to book a vacation package through Costco and have a Gold Star membership, you might want to consider upgrading to an Executive Membership for an extra $60 a year. The extra 2% rewards could make the upgrade well worth it.

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

Frequently Asked Questions

What is costco travel.

Costco Travel is a travel booking service exclusively for Costco members. It offers great deals on vacation packages, hotels, cruises, rental cars, and guided tours.

How does Costco Travel work?

The platform can offer competitive prices the same way it offers deals on retail products, and the same way that organizations like AAA can offer lower rates. By leveraging the size of its membership, Costco can ask travel service providers to offer lower prices for its members, driving business toward them in exchange.

Is Costco Travel a good deal?

That depends — it’s always smart to compare prices on your own to see. In some cases, Costco offers a better rate than other travel booking services or booking directly.

However, in other cases, Costco is more expensive or offers fewer options. For example, many hotels can’t be booked unless they are part of a package, and vacation packages won’t offer flights on some airlines, such as Southwest.

Can you cancel Costco Travel bookings?

Sometimes. Just like with any other travel service (or booking directly with a hotel or airline), each reservation can have different terms and conditions. Make sure to read the terms carefully every time you book to see if something can be canceled or refunded.

Can you book Costco Travel without a Costco membership?

No. You must sign up for a Costco membership ($60 to $120 per year) to book services through the Costco Travel portal.

Can I book on behalf of someone else?

Yes, as long as you hold a Costco membership. Just enter the other person’s name when prompted for traveler information.

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About Katie Seemann

Katie has been in the points and miles game since 2015 and started her own blog in 2016. She’s been freelance writing since then and her work has been featured in publications like Travel + Leisure, Forbes Advisor, and Fortune Recommends.

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Biden-Harris Administration Announces Final Rule Requiring Automatic Refunds of Airline Tickets and Ancillary Service Fees

Rule makes it easy to get money back for cancelled or significantly changed flights, significantly delayed checked bags, and additional services not provided  

WASHINGTON – The Biden-Harris Administration today announced that the U.S. Department of Transportation (DOT) has issued a final rule that requires airlines to promptly provide passengers with automatic cash refunds when owed. The new rule makes it easy for passengers to obtain refunds when airlines cancel or significantly change their flights, significantly delay their checked bags, or fail to provide the extra services they purchased.

“Passengers deserve to get their money back when an airline owes them - without headaches or haggling,” said U.S. Transportation Secretary Pete Buttigieg . “Our new rule sets a new standard to require airlines to promptly provide cash refunds to their passengers.”  

The final rule creates certainty for consumers by defining the specific circumstances in which airlines must provide refunds. Prior to this rule, airlines were permitted to set their own standards for what kind of flight changes warranted a refund. As a result, refund policies differed from airline to airline, which made it difficult for passengers to know or assert their refund rights. DOT also received complaints of some airlines revising and applying less consumer-friendly refund policies during spikes in flight cancellations and changes. 

Under the rule, passengers are entitled to a refund for:

• Canceled or significantly changed flights: Passengers will be entitled to a refund if their flight is canceled or significantly changed, and they do not accept alternative transportation or travel credits offered. For the first time, the rule defines “significant change.” Significant changes to a flight include departure or arrival times that are more than 3 hours domestically and 6 hours internationally; departures or arrivals from a different airport; increases in the number of connections; instances where passengers are downgraded to a lower class of service; or connections at different airports or flights on different planes that are less accessible or accommodating to a person with a disability.  
• Significantly delayed baggage return: Passengers who file a mishandled baggage report will be entitled to a refund of their checked bag fee if it is not delivered within 12 hours of their domestic flight arriving at the gate, or 15-30 hours of their international flight arriving at the gate, depending on the length of the flight.  
• Extra services not provided: Passengers will be entitled to a refund for the fee they paid for an extra service — such as Wi-Fi, seat selection, or inflight entertainment — if an airline fails to provide this service.

DOT’s final rule also makes it simple and straightforward for passengers to receive the money they are owed. Without this rule, consumers have to navigate a patchwork of cumbersome processes to request and receive a refund — searching through airline websites to figure out how make the request, filling out extra “digital paperwork,” or at times waiting for hours on the phone. In addition, passengers would receive a travel credit or voucher by default from some airlines instead of getting their money back, so they could not use their refund to rebook on another airline when their flight was changed or cancelled without navigating a cumbersome request process.  

The final rule improves the passenger experience by requiring refunds to be:

• Automatic: Airlines must automatically issue refunds without passengers having to explicitly request them or jump through hoops.   
• Prompt: Airlines and ticket agents must issue refunds within seven business days of refunds becoming due for credit card purchases and 20 calendar days for other payment methods.  
• Cash or original form of payment: Airlines and ticket agents must provide refunds in cash or whatever original payment method the individual used to make the purchase, such as credit card or airline miles. Airlines may not substitute vouchers, travel credits, or other forms of compensation unless the passenger affirmatively chooses to accept alternative compensation.    
• Full amount: Airlines and ticket agents must provide full refunds of the ticket purchase price, minus the value of any portion of transportation already used. The refunds must include all government-imposed taxes and fees and airline-imposed fees, regardless of whether the taxes or fees are refundable to airlines.

The final rule also requires airlines to provide prompt notifications to consumers affected by a cancelled or significantly changed flight of their right to a refund of the ticket and extra service fees, as well as any related policies.

In addition, in instances where consumers are restricted by a government or advised by a medical professional not to travel to, from, or within the United States due to a serious communicable disease, the final rule requires that airlines must provide travel credits or vouchers. Consumers may be required to provide documentary evidence to support their request. Travel vouchers or credits provided by airlines must be transferrable and valid for at least five years from the date of issuance.

The Department received a significant number of complaints against airlines and ticket agents for refusing to provide a refund or for delaying processing of refunds during and after the COVID-19 pandemic. At the height of the pandemic in 2020, refund complaints peaked at 87 percent of all air travel service complaints received by DOT. Refund problems continue to make up a substantial share of the complaints that DOT receives.

DOT’s Historic Record of Consumer Protection Under the Biden-Harris Administration

Under the Biden-Harris Administration and Secretary Buttigieg, DOT has advanced the largest expansion of airline passenger rights, issued the biggest fines against airlines for failing consumers, and returned more money to passengers in refunds and reimbursements than ever before in the Department’s history.

• Thanks to pressure from Secretary Buttigieg and DOT’s flightrights.gov dashboard, all 10 major U.S. airlines guarantee free rebooking and meals, and nine guarantee hotel accommodations when an airline issue causes a significant delay or cancellation. These are new commitments the airlines added to their customer service plans that DOT can legally ensure they adhere to and are displayed on flightrights.gov .  
• Since President Biden took office, DOT has helped return more than $3 billion in refunds and reimbursements owed to airline passengers – including over $600 million to passengers affected by the Southwest Airlines holiday meltdown in 2022.   
• Under Secretary Buttigieg, DOT has issued over $164 million in penalties against airlines for consumer protection violations. Between 1996 and 2020, DOT collectively issued less than $71 million in penalties against airlines for consumer protection violations.  
• DOT recently launched a new partnership with a bipartisan group of state attorneys general to fast-track the review of consumer complaints, hold airlines accountable, and protect the rights of the traveling public.  
• In 2023, the flight cancellation rate in the U.S. was a record low at under 1.2% — the lowest rate of flight cancellations in over 10 years despite a record amount of air travel.  
• DOT is undertaking its first ever industry-wide review of airline privacy practices and its first review of airline loyalty programs.

In addition to finalizing the rules to require automatic refunds and protect against surprise fees, DOT is also pursuing rulemakings that would:

• Propose to ban family seating junk fees and guarantee that parents can sit with their children for no extra charge when they fly. Before President Biden and Secretary Buttigieg pressed airlines last year, no airline committed to guaranteeing fee-free family seating. Now, four airlines guarantee fee-free family seating, and the Department is working on its family seating junk fee ban proposal.  
• Propose to make passenger compensation and amenities mandatory so that travelers are taken care of when airlines cause flight delays or cancellations.   
• Expand the rights for passengers who use wheelchairs and ensure that they can travel safely and with dignity . The comment period on this proposed rule closes on May 13, 2024.

The final rule on refunds can be found at https://www.transportation.gov/airconsumer/latest-news and at regulations.gov , docket number DOT-OST-2022-0089. There are different implementation periods in this final rule ranging from six months for airlines to provide automatic refunds when owed to 12 months for airlines to provide transferable travel vouchers or credits when consumers are unable to travel for reasons related to a serious communicable disease. 

Information about airline passenger rights, as well as DOT’s rules, guidance and orders, can be found at   https://www.transportation.gov/airconsumer .

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Chase Sapphire Preferred Review: Nearly a Must-Have for Travelers

What’s on This Page

The bottom line, pros and cons, detailed review, compare to other cards, benefits and perks, drawbacks and considerations, how to decide if it's right for you.

The big sign-up bonus and high-value points have long made this a favorite among travelers.

Rewards rate

Bonus offer

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Ongoing APR

APR: 21.49%-28.49% Variable APR

Cash Advance APR: 29.99%, Variable

Penalty APR: Up to 29.99%

Balance transfer fee

Either $5 or 5% of the amount of each transfer, whichever is greater.

Foreign transaction fee

• Enjoy benefits such as 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, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

New cardholder bonus offer

Bonus categories

Primary rental car coverage

Flexible rewards redemption

Transfer partners

Has annual fee

Requires good/excellent credit

Complicated rewards

For travelers, the $95 -annual-fee Chase Sapphire Preferred® Card stands out as a versatile and valuable choice.

With this card, you can earn rewards — known as Ultimate Rewards® points — in a variety of ways and redeem them strategically for travel, like transferring those points to a variety of loyalty programs, including heavy hitters such as United Airlines, Southwest Airlines, Marriott and Hyatt. And it dovetails nicely with some other Chase cards that also earn Ultimate Rewards® points.

Overall, it might not be the easiest card to use — a Swiss Army knife compared with the butter knife that simpler cards are. But it’s a go-to card for travelers who delight in finding ways to reap big value from their rewards.

Chase Sapphire Preferred® Card : Basics

Card type: Travel .

Annual fee: $95 .

Sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Ongoing rewards:

5 points per $1 spent on all travel purchased through Chase.

3 points per $1 spent on dining (including eligible delivery services and takeout).

3 points per $1 spent on select streaming services.

3 points per $1 spent on online grocery purchases (not including Target, Walmart and wholesale clubs).

2 points per $1 spent on travel not purchased through Chase.

1 point per $1 spent on other purchases.

Through March 2025: 5 points per $1 spent on eligible Peloton purchases (with a maximum earning of 25,000 points) and on Lyft.

Interest rate: The ongoing APR is 21.49%-28.49% Variable APR .

Foreign transaction fees: None.

Other benefits:

A $50 annual credit on hotel stays purchased through Chase.

Each account anniversary, cardmembers will earn bonus points equal to 10% of total purchases made the previous year.

Hotel and airline transfer partners.

Primary rental car coverage .

» MORE: Benefits of the Chase Sapphire Preferred® Card

How much is a point worth?

Chase Ultimate Rewards® points earned on this card are worth 1.25 cents each when redeemed for travel booked through Chase. Using points this way, or transferring them to travel partners, is key to getting the most value from the Chase Sapphire Preferred® Card . Otherwise, it’s not quite as lucrative to use points for less-valuable redemption options, including cash back, gift cards and merchandise.

The Chase Sapphire Preferred® Card offers versatility for travelers that's hard to find at a similar price point.

Solid sign-up bonus

The card features a generous sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Bonus rewards i n multiple categories

You earn extra points in a bunch of spending categories, which is good, but also makes it complicated:

Through March 2025: 5 points per $1 spent on Lyft.

Triple points on dining and streaming services is useful, while online grocery purchases may or may not be, depending on your lifestyle. Travel-related purchases are far more lucrative if you’re willing to book through Chase's travel portal. Even if you’re not, Chase’s definition of "travel" is fortunately broad; in addition to airfare and hotel stays, you can also earn bonus rewards on expenses like parking garage fees, bus fares and campgrounds. And these bonus rewards aren’t just available for travel and dining in the U.S., they can be earned worldwide.

Those earnings rates are, in effect, slightly higher because of the 10% anniversary bonus boost. For example, streaming services rewards effectively have a rewards rate of 3.1%. (The anniversary bonus applies to dollars spent, not points earned.)

And if you’re willing to use points to book travel through the Chase portal, your points will get a 25% boost (points are worth 1.25 cents). All told, a dollar spent at a restaurant or for a streaming service, for example, would earn a total value of 3.75 cents when used for travel through Chase.

This card’s valuable 1:1 transfer partners make it a keeper, especially if you're willing to look for good redemption opportunities. Say you spot a nice deal with one of Chase’s airline transfer partners — maybe a flight that normally costs thousands of dollars going for a mere 50,000 miles plus taxes and fees. With this card, you have the ability to transfer your Chase Ultimate Rewards® points into that airline’s loyalty program and pounce on that deal.

Here are the transfer partners:

Aer Lingus (1:1 ratio).

Air Canada (1:1 ratio).

Air France-KLM (1:1 ratio).

British Airways (1:1 ratio).

Emirates (1:1 ratio).

Iberia (1:1 ratio).

JetBlue (1:1 ratio).

Singapore (1:1 ratio).

Southwest (1:1 ratio).

United (1:1 ratio).

Virgin Atlantic (1:1 ratio).

Hyatt (1:1 ratio).

InterContinental Hotels Group (1:1 ratio).

Marriott (1:1 ratio).

» MORE: Chase Ultimate Rewards: How the Program Works

Complementary cards

The Chase Sapphire Preferred® Card is an excellent companion to other cards in the Chase Ultimate Rewards® family. That’s because you can move points to this card from your other cards that earn Chase Ultimate Rewards®, potentially opening up more redemption options.

Consider the Chase Freedom Flex℠ . It earns 5% cash back on rotating quarterly categories (on up to the first $1,500 in purchases, upon activation) in addition to rewards for other spending. You could potentially move the rewards you earn on that card to the Chase Sapphire Preferred® Card . From there, you could get more value out of your points by transferring points at a 1:1 ratio to other loyalty programs or redeeming them for 1.25 cents apiece when booking travel through Chase. (See our comparison article on Flex versus Sapphire Preferred .)

» MORE: What is the ‘Chase Trifecta’?

The Chase Sapphire Preferred® Card and its more upscale sibling, the Chase Sapphire Reserve® , have had their rewards, perks and bonuses tweaked over the years as the issuer has worked to keep them at the top of travelers' wallets. See our Chase Sapphire cards news page for a rundown.

Sapphire Preferred vs. Sapphire Reserve

If you have your eye on the Chase Sapphire Preferred® Card , you might also be checking out the pricier Chase Sapphire Reserve® . A premium travel card, the Chase Sapphire Reserve® comes with an annual fee of $550 and several rich perks and benefits, including airline lounge access and an annual $300 travel credit. If you travel enough, going for the more expensive option could be well worth the cost.

Read NerdWallet’s full comparison of these two cards to learn more about the differences.

Here’s a look at how the cards stack up on major features:

It's complicated

All those reward categories with different rates, an anniversary bonus and a 1.25 cents per point redemption for travel through Chase? Dizzying.

Additionally, the best rewards and redemptions are tightly tied to using the Chase portal to book travel or to transferring points to a different loyalty program, which is more to figure out. And to really boost your points, many people will use the card in conjunction with other Chase cards.

In the end, making the most of the Chase Sapphire Preferred® Card requires a learning curve and an ongoing juggling act that some consumers simply don’t want to deal with. If you're interested in earning travel rewards, but want something a little easier to use, the $95 -annual-fee Capital One Venture Rewards Credit Card has a much simpler rewards structure.

You'll earn 5 miles per dollar on hotels and car rentals booked through Capital One Travel. Other purchases earn 2 miles per dollar. But like the Chase Sapphire Preferred® Card , there's multiple ways to redeem rewards with this card, including transferring them to travel partners. If you want something even more straightforward, consider a cash-back credit card .

Few premium perks

The Chase Sapphire Preferred® Card is an excellent card for travelers in general. It even has a few travel perks, such as primary rental car insurance , trip cancellation/interruption insurance and lost luggage insurance.

But for those who love to travel in style, the more expensive Chase Sapphire Reserve® could be a better fit.

The Chase Sapphire Reserve® with an annual fee of $550 comes with an annual $300 travel credit and Priority Pass Select access, which gets you into several airport lounges for free and includes meal credits for certain airport eateries. And it comes with a credit for TSA PreCheck or Global Entry (or NEXUS), worth up to $100 once every four years.

To see how these cards compare to the competition, check out NerdWallet's list of best credit cards to get .

Using the Chase Sapphire Preferred® Card for simple rewards — say, earning cash back — would be akin to buying a top-of-the-line multipurpose tool just to use the nail file. The card offers outstanding value, but to fully appreciate it, a traveler needs to take advantage of its versatility. If that appeals to you, this card is an excellent choice.

With no annual fee, this card gives you 1.5 miles for every $1 you spend. It comes with a new-cardmember bonus offer, and points are redeemable for statement credit against many kinds of travel expenses.

Looking For Something Else?

Methodology.

NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.

Frequently asked questions

Rewards are: 5 points per $1 spent on all travel booked through Chase, 3 points per $1 spent on dining (including eligible delivery services and takeout), 3 points per $1 spent on select streaming services, 3 points per $1 spent on online grocery purchases (not including Target, Walmart and wholesale clubs), 2 points per $1 spent on travel not booked through Chase and 1 point per $1 spent on other purchases. Occasionally, the issuer may offer bonus rewards in specific categories for a limited time.

That depends on how you redeem them. If you use them to book travel through Chase — such as for airfare, hotels, rental cars or cruises — points are worth 1.25 cents each. If you redeem them for cash, they’ll be worth 1 cent apiece. You can also transfer points to about a dozen airline and hotel loyalty programs; the value you get depends on how you redeem them in those programs.

As long as your account is open, your points won’t expire. There’s no limit to the number of points you can earn.

The Chase Sapphire Reserve® has a much higher annual fee — $550 , compared with $95 for the Chase Sapphire Preferred® Card — but it offers richer rewards and more perks. Points are worth 1.5 cents apiece when redeemed for travel through Chase (versus 1.25 cents for the Chase Sapphire Preferred® Card ). Perks include an annual $300 travel credit that offsets a big slice of the annual fee. See our comparison article for more details.

If you have good to excellent credit and you’re in line with Chase’s 5/24 rule , you could be approved for the Chase Sapphire Preferred® Card . Good credit is generally defined as a FICO of 690 or higher, although issuers also take into account your income, existing debts and other information.

About the author s

Claire Tsosie

Gregory Karp

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AIG Travel Guard insurance review: What you need to know

Whether you need an annual plan or a policy for a last-minute trip, travel guard can deliver..

Travel Guard is one of CNBC Select 's picks for best travel insurance , thanks to its wide range of customizable policies. But are any of them right for you? Below, we review the provider and its offers and how they compare to the competition to help you choose the right travel insurance for your next trip.

Travel Guard review

Other insurance offered, how it compares, bottom line, travel guard® travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

24/7 assistance available

• A variety of plans are available to help cover different types of trips
• Not all products are available for purchase online

Travel Guard® is a global travel insurance provider specializing in plans for leisure and business travelers. Its online travel insurance packages include five options, from basic and last-minute trip coverage to more comprehensive plans. This allows travelers to pick a plan that best matches their situation.

For example, budget-minded travelers might go for the Essential Plan which offers basic protections, such as trip cancellation, interruption and delay insurance, coverage for lost, damaged and delayed baggage, and medical, evacuation and death coverage.

On the other hand, the Deluxe Plan — the most comprehensive option — adds such extras as missed connection coverage, security evacuation, travel inconvenience benefits and more. It also boosts high limits for essential coverages.

Last-minute travelers can opt for the Pack N' Go Plan which only includes certain post-departure coverages. Or, if you travel often, the Annual Plan can cover your trips throughout the year.

Finally, Travel Guard offers "offline" travel insurance packages, meaning you'll have to call if you're looking for a specialty plan.

Coverage types

Depending on the plan, here are the types of protection Travel Guard can include in your package:

• Trip cancellations
• Trip interruption
• Baggage coverage
• Baggage delay
• Travel medical expenses
• Travel inconvenience benefits (reimbursement for such situations as runway delays, cruise diversion and other unforeseen situations)
• Medical evacuation
• Trip Saver (reimbursement for meals, hotels and transportation if you need to begin your trip sooner due to weather or airline changes)
• Trip exchange (reimbursement in case you have to cancel your trip and book a new one due to covered unforeseen circumstances)
• Security evacuation (due to a riot or civil disorder)
• Flight guard (coverage for accidental death or dismemberment that occurs when traveling by plane)
• Pre-existing medical conditions exclusion waiver

You can also customize your plan with add-ons, such as car rental insurance and "cancel for any reason" coverage .

Travel Guard landed on our list of the best travel insurance companies thanks to its variety of coverage. With plenty of options to choose from, both online and offline, it's easy to build a policy that meets your needs.

Travel Guard also features 24-hour concierge services that you can use to book a new flight in case of an emergency or delay.

The provider's website also offers informational resources — here, you can check travel news, read safety tips and find general travel advice. Additionally, the website lets you modify your plan, file a claim and check its status, or apply for a voucher or refund.

As of writing, Travel Guard doesn't offer any discounts. That's common for travel insurance — you're more likely to find deals when shopping for other types of insurance, such as home and auto insurance .

Travel Guard is a portfolio of travel insurance and travel-related services offered by AIG Travel, a member of American International Group (AIG). AIG also offers life insurance and a variety of business insurance products.

Travel Guard makes it easy to get a travel insurance policy customized to your needs. But before you purchase coverage, it's always a good idea to shop around.

For example, if you're going on a cruise, you might want to look at Nationwide Travel Insurance . The provider advertises cruise-specific insurance with three plan options available. This type of coverage is designed with issues unique to cruises in mind — from ship-based breakdowns to missed pre-pard excursions.

If you're planning a more active trip filled with rock climbing or sky diving, Berkshire Hathaway offers the AdrenalineCare® plan which features coverage for unforeseen costs that result from participating in extreme sports on your trip, as well as reimbursement for sporting equipment delay. Pre-existing conditions are covered under this plan (if you meet qualifying conditions).

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

As you can see, offerings vary by provider. It can be helpful to compare multiple companies and the plans they offer to find what works best for you. It's even better if you gather several quotes to ensure you're getting a good price for your policy.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Travel Guard offers plenty of ways to customize your policy, making it a solid choice for travel insurance. You can also access additional options by giving Travel Guard a call. However, make sure to check out other travel insurance companies too — comparison shopping is essential when picking any type of financial product.

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At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

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World Nomads Travel Insurance Review 2024

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

World Nomads Travel Insurance Review

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

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

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

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

World Nomads Plans Available

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

Additional Coverage Options (Riders)

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

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

World Nomads Travel Insurance Cost

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

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

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

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

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

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

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

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

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

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

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

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

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

How to File A Claim with World Nomad Travel Insurance

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

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

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

The email address is: [email protected]

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

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

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

Compare World Nomads Travel Insurance

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

World Nomads Travel Insurance vs. Allianz Travel Insurance

Allianz Travel Insurance is a strong competitor against World Nomads, especially for travelers looking for a more business-oriented option. The company has been in business for more than 120 years and offers a wide range of insurance, not just travel-related, around the world.

A key difference between World Nomads and Allianz Travel Insurance is that Allianz Travel Insurance offers travel insurance that can cover multiple trips in the same year. You can take an unlimited number of trips within the same calendar year, but you do have to double-check that all of your destinations are covered by the policy you select. 

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

Read our Allianz travel insurance review here.

World Nomads Travel Insurance vs. AIG Travel Guard

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

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

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

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

Read our AIG Travel Insurance review here.

Compare World Nomad vs. Credit Card Travel Insurance

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

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

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

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

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

World Nomads Travel Insurance FAQs

Can i extend my world nomads policy while already traveling.

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

Does World Nomads cover COVID-19 related incidents?

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

How does the claim process work with World Nomads?

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

What adventure activities are covered by World Nomads?

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

Can I purchase World Nomads insurance if I'm already traveling?

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

How We Reviewed World Nomads Travel Insurance

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

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

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