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Sign in to your account, travel protection plans, package protection plan.

Take travel woes into account with the Package Protection Plan. This plan covers you from the moment you book your vacation until you return home.

• Change or cancel your trip for any reason one time prior to departure
• Enjoy coverage from the time you book until you return home
• Provides reimbursement for emergency medical expenses, lost luggage, and more

For a pre-travel plan only, consider the Vacation Waiver

Please see Terms and Conditions for full terms, including limitations and exclusions.

• Plan Coverage
• What's Not Covered
• Claim Instructions
• Terms Of Coverage
• Definitions

Important: This program is valid only if the appropriate plan cost has been received by Expedia, Inc. Please keep this document as your record of coverage.

SECTION I: Expedia Vacation Waiver

IMPORTANT: Benefits under Section I are provided by Expedia, Inc. Details regarding cancellation penalties, terms and conditions are fully outlined here.

Change or cancel for any reason

The Expedia Vacation Waiver helps protect you against life's unexpected occurrences. Your group is allowed to change or cancel your trip for any reason one (1) time prior to the scheduled start time* of your trip without being charged any change or cancellation fees. If canceling, any monies paid will be returned to the customer who booked the travel except the cost of published airfare, which may be made available as a credit for future travel.**

Note: The waiver is valid once you have paid the appropriate waiver cost and your booking is confirmed.

*Scheduled Start Time is defined as the originally scheduled departure time of your flight or, if you haven’t booked a flight as part of your package, the scheduled check-in time of your hotel at the time of booking. Other terms and conditions apply. Please see Terms and Conditions below.

**For a published air ticket , credit may be issued per applicable airline policies less airline change fees and Expedia, Inc. will absorb the change fees. The actual airfare could be higher at the time of rebooking; in that event the price differential would be your responsibility. You are allowed to change or cancel your trip for any reason one (1) time prior to the start of your trip.

Refund Instructions

When your group purchases Expedia Vacation Waiver you will be asked to print your voucher. Please keep your voucher handy as a reference. You do not need to redeem your voucher at any time. You will also be able to access your information from the voucher in your online itinerary once your booking is confirmed. The Expedia Vacation Waiver is valid for redemption only by the person(s) named on the voucher. The waiver is not transferable, has no cash value, and may be redeemed only once. Once the voucher has been utilized it cannot be reused. The Expedia Vacation Waiver must be purchased at the time of booking; waivers cannot be purchased after booking.

You must call contact Expedia at 1-800-675-4318 to cancel or change your vacation package.

Terms & Conditions

The Expedia Vacation Waiver is valid for redemption only by the person(s) named on the voucher. It is not transferable, has no cash value, and may be redeemed only once. The Expedia Vacation Waiver must be purchased at the time of booking; waivers cannot be purchased after booking. The Vacation Waiver excludes the price of the Expedia Vacation Waiver.

If you change or cancel your trip for ANY REASON prior to the scheduled start time* of your trip, all package cancellation fees imposed by the Booking Agent will be waived, except the cost of Published Air.

SECTION II: Coverages offered by Insurer

Stonebridge Casualty Insurance Company Travel Insurance Certificate Policy Number MZ0911076H0002A

DESCRIPTION OF COVERAGE

• Schedule: Expedia, Inc Maximum Benefit Amount

PART A. TRAVEL ARRANGEMENT PROTECTION

• Trip Cancellation Up to Total Vacation Cost
• Trip Interruption Up to Total Vacation Cost
• Trip Delay $500, Up to $100/day

PART B. MEDICAL PROTECTION

• Emergency Evacuation/Repatriation of Remains $15,000
• Accident Medical Expense $5,000
• Sickness Medical Expense $5,000

PART C. BAGGAGE PROTECTION

• Baggage/Personal Effects $1,000
• Baggage Delay $500

PART D. TRAVEL ACCIDENT PROTECTION

• Accidental Death & Dismemberment Air Common Carrier $50,000

PART E. WORLDWIDE EMERGENCY ASSISTANCE (On Call International)

• CareFree™ Travel Assistance 24/7
• Medical Assistance 24/7
• Emergency Services 24/7

The benefits provided in this program are subject to certain restrictions and exclusions. Important: Please read this brochure in its entirety for a complete description of all coverage terms and conditions. Note: Words beginning with capital letters are defined in this text.

SUMMARY OF COVERAGES

Trip Cancellation and Trip Interruption Benefits

Pre-Departure Trip Cancellation

We will pay a Pre-Departure Trip Cancellation Benefit, up to the amount in the Schedule for non-refundable cancellation charges imposed by Expedia, Inc. if you are prevented from taking your Covered Vacation due to your, an Immediate Family Member’s, Traveling Companion’s, or Business Partner’s Sickness, Injury or death or Other Covered Events as defined, that occur(s) before departure on your Covered Vacation.

The Sickness or Injury must: a) commence while your coverage is in effect under the plan; b) require the examination and treatment by a Physician at the time the Covered Vacation is canceled; and c) in the written opinion of the treating Physician, be so disabling as to prevent you from taking your Covered Vacation.

Pre-Departure Trip Cancellation Benefits

We will reimburse you, up to the amount in the Schedule for the amount of prepaid, non-refundable, and unused Payments or Deposits that you paid for your Covered Vacation. We will pay your additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Covered Vacation is canceled and your Covered Vacation is not canceled.

Note: As respects air cancellation penalties, you will be covered only for air arrangements booked through Expedia, Inc. and flights connecting to such air arrangements booked through Expedia, Inc. We will not pay benefits for cancellation charges imposed on any other air arrangements you may book on your own.

Post-Departure Trip Interruption

We will pay a Post-Departure Trip Interruption Benefit, up to the amount in the Schedule, if: 1) your arrival on your Covered Vacation is delayed; or 2) you are unable to continue on your Covered Vacation after you have departed on your Covered Vacation due to your, an Immediate Family Member’s, Traveling Companion’s, or Business Partner’s, Sickness, Injury or death or Other Covered Events as defined.

For item 1) above, the Sickness or Injury must: a) commence while your coverage is in effect under the plan; b) for item 2) above, commence while you are on your Covered Vacation and your coverage is in effect under the plan; and c) for both items 1) and 2) above, require the examination and treatment by a Physician at the time the Covered Vacation is interrupted or delayed; and d) in the written opinion of the treating Physician, be so disabling as to delay your arrival on your Covered Vacation or to prevent you from continuing your Covered Vacation.

Post-Departure Trip Interruption Benefits

We will reimburse you, less any refund paid or payable, for unused land or water travel arrangements, and/or the following:

• the additional transportation expenses by the most direct route from the point you interrupted your Covered Vacation: a) to the next scheduled destination where you can catch up
• the additional transportation expenses incurred by you by the most direct route to reach your original Covered Vacation destination if you are delayed and leave after the Scheduled Departure Date. However, the benefit payable under (1) and (2) above will not exceed the cost of a one-way economy air fare by the most direct route less any refunds paid or payable for your unused original tickets.
• your additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Covered Vacation is interrupted and your Covered Vacation is continued.
• reasonable additional accommodation and transportation expenses (up to $100 per day) incurred to remain near a covered traveling Immediate Family Member or Traveling Companion who is hospitalized during your Trip.

In no event shall the amount reimbursed under Trip Cancellation or Trip Interruption exceed the amount you prepaid for your Trip.

Important: You, your Traveling Companion and/or your Immediate Family Member booked to travel with you must be medically capable of travel on the day you purchase this coverage. The covered reason for cancellation or interruption of your Trip must occur after your effective date of Trip Cancellation coverage.

Other Covered Events means only the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy: a change in plans by you, an Immediate Family Member traveling with you, or Traveling Companion resulting from one of the following events which occurs while coverage is in effect under this Policy:

• being directly involved in a documented traffic accident while en route to departure;
• being hijacked, Quarantined, required to serve on a jury, or required by a court order to appear as a witness in a legal action, provided you, an Immediate Family Member traveling with you or a Traveling Companion is not: 1) a party to the legal action, or 2) appearing as a law enforcement officer;
• having your Home made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;
• Your involuntary termination of employment or layoff which occurs after your effective date of coverage and was not under your control. You must have been continuously employed with the same employer for 1 year prior to the termination or layoff. This provision is not applicable to temporary employment, independent contractors or self- employed persons.

If your Covered Vacation is delayed for 12 hours or more, we will reimburse you, up to the amount shown in the Schedule for unused land or water travel arrangements, less any refund paid or payable and reasonable additional expenses incurred by you for hotel accommodations, meals, telephone calls and economy transportation to catch up to your Trip, or to return Home. We will not pay benefits for expenses incurred after travel becomes possible.

Trip Delay must be caused by or result from:

• Air Common Carrier delay;
• loss or theft of your passport(s), travel documents or money;
• being Quarantined;
• natural disaster;
• a documented traffic accident while you are en route to departure;
• unannounced strike;
• a civil disorder.

Medical Expense/Emergency Assistance Benefits

We will pay this benefit, up to the amount on the Schedule for the following Covered Expenses incurred by you, subject to the following: 1) Covered Expenses will only be payable at the Usual and Customary level of payment; 2) benefits will be payable only for Covered Expenses resulting from a Sickness that first manifests itself or an Injury that occurs while on a Covered Vacation; 3) benefits payable as a result of incurred Covered Expenses will only be paid after benefits have been paid under any Other Valid and Collectible Group Insurance in effect for you.

We will pay that portion of Covered Expenses which exceed the amount of benefits payable for such expenses under your Other Valid and Collectible Group Insurance.

Covered Expenses:

Accident Medical Expense/Sickness Medical Expense:

• expenses for the following Physician-ordered medical services: services of legally qualified Physicians and graduate nurses, charges for Hospital confinement and services, local ambulance services, prescription drugs and medicines, and therapeutic services, incurred by you within one year from the date of your Sickness or Injury;
• expenses for emergency dental treatment incurred by you;

Emergency Evacuation:

• expenses incurred by you for Physician-ordered emergency medical evacuation, including medically appropriate transportation and necessary medical care en route, to the nearest suitable Hospital, when you are critically ill or injured and no suitable local care is available, subject to the Program Medical Advisors prior approval;
• expenses incurred for non-emergency medical evacuation, including medically appropriate transportation and medical care en route, to a Hospital or to your place of residence, when deemed medically necessary by the attending Physician, subject to the Program Medical Advisors prior approval;
• expenses for transportation not to exceed the cost of one round-trip economy class air fare to the place of hospitalization for one person chosen by you, provided that you are traveling alone and are hospitalized for more than 7 days;
• expenses for transportation not to exceed the cost of one-way economy class air fare to your place of residence, including escort expenses if you are 25 years of age or younger and left unattended due to the death or hospitalization of an accompanying adult(s), subject to the Program Medical Advisors prior approval;
• expenses for one-way economy class air fare to your place of residence, from a medical facility to which you were previously evacuated, less any refunds paid or payable from your unused transportation tickets, if these expenses are not covered elsewhere in the plan.

Repatriation:

• repatriation expenses for preparation and air transportation of your remains to your place of residence, or up to an equivalent amount for a local burial in the country where death occurred, if you die while on your Covered Vacation.

Losses Not Covered:

Please Note: In no event will all benefits paid for Emergency Evacuation and Repatriation expenses exceed the coverage limit of $15,000.

Please note: Benefits under Parts A & B (except Emergency Evacuation and Repatriation) are subject to exclusions listed on Pages 12-13.

Baggage and Personal Effects Benefit

We will reimburse you, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Schedule, for direct loss, theft, damage or destruction of your Baggage during your Covered Vacation.

Valuation and Payment of Loss

Payment of loss under the Baggage and Personal Effects Benefit will be calculated based upon an Actual Cash Value basis. For items without receipts, payment of loss will be calculated based upon 80% of the Actual Cash Value at the time of loss. At our option, we may elect to repair or replace your Baggage. We will notify you within 30 days after we receive your proof of loss.

We may take all or part of a damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, we will: 1) repair or replace any part to restore the pair or set to its value before the loss; or 2) pay the difference between the value of the property before and after the loss.

Items Subject to Special Limitations

We will not pay more than $1,000 (or the Baggage and Personal Effects limit, if less) on all losses to jewelry; watches; precious or semi-precious gems; decorative or personal articles consisting in whole or in part of silver, gold, or platinum; cameras, camera equipment; digital or electronic equipment and media; and articles consisting in whole or in part of fur. There is a $500 per article limit.

Baggage Delay Benefit

We will reimburse you, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Schedule for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed by an Air Common Carrier for 24 hours or more during your Covered Vacation. You must be a ticketed passenger on an Air Common Carrier.

Accidental Death and Dismemberment

Air Common Carrier Benefits We will pay this benefit, up to the amount on the Schedule, if you sustain a covered loss in an Accident which occurs: 1) while a passenger in or on, boarding or alighting from an Air Common Carrier or 2) being struck or run down by an Air Common Carrier of a regularly scheduled airline or an air charter company that is licensed to carry passengers for hire while you are on a Covered Vacation and covered under the plan, and you suffer one of the losses listed below within 365 days of the Accident. The Principal Sum is the benefit amount shown in the schedule.

• Loss Percentage of Principal Sum Payable
• Both Hands; Both Feet or Sight of Both Eyes 100%
• One Hand and One 100%
• One Hand and Sight of One Eye 100%
• One Foot and Sight of One Eye 100%
• One Hand; One Foot or Sight of One Eye 50%

If you suffer more than one loss from one Accident, we will pay only for the loss with the larger benefit. Loss of a hand or foot means complete severance at or above the wrist or ankle joint. Loss of sight of an eye means complete and irrecoverable loss of sight.

Not a care in the world... when you have our 24/7 global network to assist you

CareFree™ Travel Assistance

• Medical Assistance

Emergency Services

Travel Arrangements

• Arrangements for last-minute flight and hotel changes
• Luggage Locator (reporting/tracking of lost, stolen or delayed baggage)
• Hotel finder and reservations
• Airport transportation
• Rental car reservations and automobile return
• Coordination of travel for visitors to bedside
• Return travel for dependent/minor children
• Assistance locating the nearest embassy or consulate
• Cash transfers
• Assistance with bail bonds

Pre-trip Information

• Destination guides (hotels, restaurants, etc.)
• Weather updates and advisories
• Passport requirements
• Currency exchange
• Health and safety advisories

Documents and Communication

• Assistance with lost travel documents or passports
• Live email and phone messaging to family and friends
• Emergency message relay service
• Multilingual translation and interpretation services

Medical Assistance and Managed Care

• Medical case management, consultation and monitoring
• Medical Transportation
• Dispatch of a doctor or specialist
• Referrals to local medical and dental service providers
• Worldwide medical information, up-to-the-minute travel medical advisories, and immunization requirements
• Prescription drug replacement
• Replacement of eyeglasses, contact lenses and dental appliances
• Emergency evacuation
• Repatriation of mortal remains
• Emergency medical and dental assistance
• Emergency legal assistance
• Emergency medical payment assistance
• Emergency family travel arrangements

CareFree™ Travel Assistance, Medical Assistance and Emergency Services can be accessed by calling On Call International at 1-800-618-0692 or, from outside the U.S. or Canada, call collect:* 1-603-328-1711

* If you have any difficulty making this collect call, contact the local phone operator to connect you to a US-based long-distance service. In this case, please let the Assistance Provider answering the phone know the number you are calling from, so that he/she may call you back. Any charges for the call will be considered reimbursable benefits.

Note that the problems of distance, information, and communications make it impossible for Stonebridge Casualty Insurance Company, Berkely, Expedia, Inc., or On Call International to assume any responsibility for the availability, quality, use, or results of any emergency service. In all cases, you are still responsible for obtaining, using, and paying for your own required services of all types.

Section I: Cancellation Fee Waiver

You may Change or Cancel your trip for ANY REASON one (1) time prior to the start of your trip. All cancellation fees will be covered by Expedia, except the cost of published air. Credit, pursuant to applicable airline policies, may be issued less airline change fees, and Expedia, Inc. will absorb the change fees. The actual airfare could be higher at the time of rebooking; in that event the price differential would be your responsibility.

GENERAL PLAN EXCLUSIONS

In parts a & b:, we will not pay for any loss caused by or incurred resulting from:.

• mental, nervous, or psychological disorders, except if hospitalized;
• being under the influence of drugs or intoxicants, unless prescribed by a Physician;
• normal pregnancy, except if hospitalized; or elective abortion;
• riding or driving in any motor competition;
• declared or undeclared war, or any act of war;
• service in the armed forces of any country;
• operating or learning to operate any aircraft, as pilot or crew;
• any unlawful acts, committed by you or a Traveling Companion (whether insured or not);
• any amount paid or payable under any Worker’s Compensation, Disability Benefit or similar law;
• Elective Treatment and Procedures;
• medical treatment during or arising from a Covered Vacation undertaken for the purpose or intent of securing medical treatment;
• business, contractual or educational obligations of you, an Immediate Family Member or Traveling Companion;
• failure of any tour operator, Common Carrier, or other travel supplier, person or agency to provide the bargained-for travel arrangements;
• a loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when the plan is not in effect for you.

ITEMS NOT COVERED WE WILL NOT PAY FOR DAMAGE TO OR LOSS OF:

• property used in trade, business or for the production of income, household furniture, musical instruments, brittle or fragile articles, or sporting equipment if the loss results from the use thereof;
• artificial limbs or other prosthetic devices, artificial teeth, dental bridges, dentures, dental braces, retainers or other orthodontic devices, hearing aids, any type of eyeglasses, sunglasses or contact lenses;
• documents or tickets, except for administrative fees required to reissue tickets;
• money, stamps, stocks and bonds, postal or money orders, securities, accounts, bills, deeds, food stamps or credit cards,
• property shipped as freight or shipped prior to the Scheduled Departure Date.

THE FOLLOWING EXCLUSIONS APPLY TO THE ACCIDENTAL DEATH AND DISMEMBERMENT COVERAGE:

• We will not pay for loss caused by or resulting from Sickness of any kind.
• You, your Traveling Companion’s, or Immediate Family Member’s booked to travel with you, suicide, attempted suicide, or intentionally self-inflicted injury, while sane or insane (while sane in CO & MO);
• participation as a professional in athletics;
• participation in organized amateur and interscholastic athletic or sports competition or events;
• nuclear reaction, radiation or radioactive contamination;
• mountain climbing, bungee cord jumping, skin diving, scuba diving, snow skiing, skydiving, parachuting, hang gliding, parasailing or travel on any air supported device, other than on a regularly scheduled airline or air charter company.

LOSSES NOT COVERED WE WILL NOT PAY FOR LOSS ARISING FROM:

• theft or pilferage from an unattended vehicle;
• mysterious disappearance;
• EMERGENCIES ARISING DURING YOUR TRIP: Please refer to Part E. Worldwide Emergency Assistance
• TRIP CANCELLATION CLAIMS: Contact Expedia, Inc. and BerkelyCare IMMEDIATELY to notify them of your cancellation and to avoid any non-covered expenses due to late reporting. BerkelyCare will then forward the appropriate claim form which must be completed by you AND THE ATTENDING PHYSICIAN, if applicable. If you are cancelling due to a death, a death certificate will be required.
• ALL OTHER CLAIMS: Report your claim as soon as possible to BerkelyCare. Provide the policy number, your travel dates, and details describing the nature of your loss. Upon receipt of this information, BerkelyCare will promptly forward you the appropriate claim form to complete. If you are interrupting due to a death, a death certificate will be required.

Online: www.travelclaim.com

Phone: 1-(800) 453-4079 or 1-(516) 342-2720

Mail: BerkelyCare 300 Jericho Quadrangle, P.O. Box 9022, Jericho, NY 11753 Office Hours: 8:00 am - 10:00 pm ET, Monday - Friday; 9:00 am - 5:00 pm ET, Saturday

IMPORTANT: In order to facilitate prompt claims settlement upon your return, be sure to obtain as applicable:

Accident & Sickness Medical Claims – receipts from the treating Physicians, etc. stating the amounts paid and listing the diagnosis and treatment; submit these first to your other medical plans. Forward a copy of their final disposition of your claim to BerkelyCare.

• You must provide us with all bills and reports for medical and/or dental expenses claimed.
• You must provide any requested information, including but not limited to, an explanation of benefits from any other applicable insurance.
• You must sign a patient authorization to release any information required by us, to investigate your claim.
• You must receive initial treatment within 90 days of the accident, which caused the Injury or the onset of the Sickness.

Your duties in the event of a Trip Interruption & Trip Delay Claims: Medical statements from the Physicians in attendance in the country where the Sickness or Injury occurred. These statements should give complete diagnosis, stating that the Sickness or Injury prevented traveling on dates contracted. Or, verification of the Common Carrier’s mechanical or scheduling problems, or verification of other covered reason causing delay. Provide all unused transportation tickets, official receipts, etc.

Your duties in the Event of a Baggage/Personal Effects Loss: In case of loss, theft or damage to Baggage and Personal Effects, you should: 1) immediately report the situation incident to the hotel manager, tour guide or representative, transportation official, local police or other local authorities and obtain their written report of your loss; and 2) take reasonable steps to protect your Baggage from further damage, and make necessary, reasonable and temporary repairs. We will reimburse you for these expenses. We will not pay for further damage if you fail to protect your Baggage. Submit claim first to party responsible, as well as your regular property insurer. Forward copies of the outcome of your claim to BerkelyCare with the appropriate documentation, including copies of receipts for the lost, stolen, or damaged articles, if available.

When Coverage Begins

All coverages (except Pre-Departure Trip Cancellation and Post-Departure Trip Interruption) will take effect on the later of: 1) the date the plan payment has been received by Expedia, Inc.; 2) the date and time you start your Covered Vacation; or 3) 12:01 A.M. Standard Time on the Scheduled Departure Date of your Covered Vacation.

Pre-Departure Trip Cancellation coverage will take effect at 12:01 A.M. Standard Time on the day your plan payment is received by Expedia, Inc. Post-Departure Trip Interruption coverage will take effect on the Scheduled Departure Date if the required plan payment is received.

When Coverage Ends

Your coverage automatically ends on the earlier of:

• the date the Covered Vacation is completed;
• the Scheduled Return Date;
• your arrival at the return destination on a round-trip, or the destination on a one-way trip;
• cancellation of the Covered Vacation covered by the plan.

In the certificate, “you”, “your” and “yours” refer to the Insured. “We”, “us” and “our” refer to the company providing the coverage. In addition certain words and phrases are defined as follows:

Accident means a sudden, unexpected, unintended and external event, which causes Injury.

Actual Cash Value means purchase price less depreciation.

Air Flight Common Carrier means any air conveyance operated under a license for the transportation of passengers for hire.

Baggage means luggage, personal possessions and travel documents taken by you on the Covered Vacation.

Business Partner means an individual who is involved, as a partner, with you in a legal general partnership and shares in the management of the business.

Covered Vacation means a period of travel away from Home to a destination outside your city of residence; the purpose of the Vacation is business or pleasure and is not to obtain health care or treatment of any kind; the Vacation has defined departure and return dates specified when the Insured enrolls; the Vacation does not exceed 6 months.

Common Carrier means any land, water or air conveyance operated under a license for the transportation of passengers for hire.

Domestic Partner means a person who is at least eighteen years of age and you can show: 1) evidence of financial interdependence, such as joint bank accounts or credit cards, jointly owned property, and mutual life insurance or pension beneficiary designations; 2) evidence of cohabitation for at least the previous 6 months; and 3) an affidavit of domestic partnership if recognized by the jurisdiction within which they reside.

Elective Treatment and Procedures means any medical treatment or surgical procedure that is not medically necessary including any service, treatment, or supplies that are deemed by the federal, or a state or local government authority, or by us to be research or experimental or that is not recognized as a generally accepted medical practice.

Home means your primary or secondary residence.

Hospital means an institution, which meets all of the following requirements:

• it must be operated according to law;
• it must give 24 hour medical care, diagnosis and treatment to the sick or injured on an inpatient basis;
• it must provide diagnostic and surgical facilities supervised by Physicians;
• registered nurses must be on 24 hour call or duty; and
• the care must be given either on the hospital’s premises or in facilities available to the hospital on a pre-arranged basis.

A Hospital is not: a rest, convalescent, extended care, rehabilitation or other nursing facility; a facility which primarily treats mental illness, alcoholism, or drug addiction (or any ward, wing or other section of the hospital used for such purposes); or a facility which provides hospice care (or wing, ward or other section of a hospital used for such purposes).

Immediate Family Member includes your or the Traveling Companion’s spouse, child, spouse’s child, son-daughter-in-law, parent(s), sibling(s), brother-sister, grandparent(s), grandchild, step brother-sister, step-parent(s), parent(s)-in-law, brother-sister-in-law, aunt, uncle, niece, nephew, guardian, Domestic Partner, foster-child, or ward.

Injury means bodily harm caused by an accident which: 1) occurs while your coverage is in effect under the plan; and 2) requires examination and treatment by a Physician. The Injury must be the direct cause of loss and must be independent of all other causes and must not be caused by, or result from, Sickness.

Insured means an eligible person who arranges a Covered Vacation and pays any required plan payment.

Insurer means Stonebridge Casualty Insurance Company.

Other Valid and Collectible Group Insurance means any group policy or contract which provides for payment of medical expenses incurred because of Physician, nurse, dental or Hospital care or treatment; or the performance of surgery or administration of anesthesia. The policy or contract providing such benefits includes group or blanket insurance policies; service plan contracts; employee benefit plans; or any plan arranged through an employer, labor union, employee benefit association or trustee; or any group plan created or administered by the federal or a state or local government or its agencies. In the event any other group plan provides for benefits in the form of services in lieu of monetary payment, the usual and customary value of each service rendered will be considered a Covered Expense.

Payments or Deposits means the cash, check, or credit card amounts actually paid to the Expedia, Inc. for your Covered Vacation.

Physician means a person licensed as a medical doctor by the jurisdiction in which he/she is a resident to practice the healing arts. He/she must be practicing within the scope of his/her license for the service or treatment given and may not be you, a Traveling Companion, or an Immediate Family Member of yours.

Policy means the contract issued to the Policyholder providing the benefits specified herein.

Policyholder means the legal entity in whose name this Policy is issued, as shown on the benefit Schedule.

Program Medical Advisors means On Call International.

Quarantined means the enforced isolation of an Insured and/or the restriction of free movement of an Insured suffering or suspected to suffer from a contagious disease to prevent the spread of contagious disease.

Schedule means the benefit schedule shown on the Certificate for each Insured.

Scheduled Departure Date means the date on which you are originally scheduled to leave on your Covered Vacation.

Scheduled Return Date means the date on which you are originally scheduled to return to the point where the Covered Vacation started or to a different final destination.

Scheduled Vacation Departure City means the city where the scheduled trip on which you are to participate originates.

Sickness means an illness or disease of the body which: 1) requires examination and treatment by a Physician, and 2) commences while the plan is in effect.

Traveling Companion means one person whose name appears with you on the same Trip arrangement and who, during the Trip, will accompany you.

Usual and Customary Charge means those charges for necessary treatment and services that are reasonable for the treatment of cases of comparable severity and nature. This will be derived from the mean charge based on the experience in a related area of the service delivered and the MDR (Medical Data Research) schedule of fees valued at the 90th percentile.

Vacation means a scheduled trip for which coverage has been elected and the plan payment paid, and all travel arrangements are arranged by the Expedia, Inc. prior to the Scheduled Departure Date of the trip.

What is the Package Protection Plan?

Part I: Cancel for ANY Reason waiver provided by Expedia.com

• Passengers can cancel or change their vacation one time for ANY REASON not covered under Part II prior to the start of their trip and receive CASH back for all cancellation fees and penalties, except the cost of Published Air.
• The value of Published Air may be used within a year of original ticket issue date, and Expedia will absorb the change fee. The actual airfare could be higher at time of rebooking.

Part II: Travel insurance plan administered by BerkelyCare

• A package of insurance benefits payable for covered reasons, as well as travel assistance services.
• Benefits include coverage for trip cancellations, interruptions and delays; medical coverage including emergency evacuations and repatriations; baggage losses and delays; and 24-hour emergency travel assistance.

Insurance is underwritten by Stonebridge Casualty Insurance Company, Columbus, OH.

Why should I purchase the Package Protection Plan?

You've saved, you've waited, and now you're all set to go on the vacation of your life - an Expedia vacation. Preparing for your vacation should include covering yourself against unfortunate occurrences that can interfere with even your best-laid plans. By purchasing the Package Protection Plan, you can be reimbursed for cancellation penalties, medical costs, baggage loss, and delays due to covered reasons, as well as gain access to a wide range of traveler's assistance services.

Unexpected situations can happen to anyone, even immediate family members that are not traveling with you, and provide you with a reason you might need to cancel or interrupt your trip. Plus, even after departure, there are important coverages included such as reimbursement for expenses caused by trip delays and baggage delays. And of course, having coverage that pays for unexpected medical expenses, most notably pricey evacuation expenses, is critical.

Did you know that the Package Protection Plan can reimburse covered expenses if:

• You become ill and can't travel.
• Someone in your immediate family has an illness or injury and you must cancel or interrupt your trip, even if he or she is not scheduled to travel with you.
• You must cancel your vacation plans for a work related reason.
• The wedding is off and you are no longer going on the honeymoon.
• Your house becomes uninhabitable due to a hurricane.
• An immediate family member back home passes away and you must return from your vacation early.
• You twist your ankle and must visit a doctor while traveling.
• Many other unforeseeable events as listed in the Description of Coverage.

What does the Package Protection Plan cover?

The Package Protection Plan includes coverage before and during your trip for the following:

Part I: Trip Cancellation Waiver

Expedia provides a Trip Cancellation Waiver that lets you cancel your trip for ANY REASON whatsoever. The Waiver allows passengers to cancel or change their vacation one time for ANY REASON not covered under Part II prior to the start of their trip and receive CASH back for all cancellation fees and penalties, except the cost of Published Air. If passengers have published air tickets, they can cancel their trip and receive a voucher equal to the published air ticket value. To learn more about covered cancellations, please read the information below.

Part II: Covered reasons for Cancellation and post departure coverages provided by Stonebridge Casualty Insurance Company, Columbus, OH. and administrated by BerkelyCare

Trip Cancellation and Trip Interruption

If you must cancel or interrupt your trip for a covered reason, the plan provides coverage for covered penalties and expenses up to the cost of your originally booked vacation package.

Covered reasons include illness, injury or death to you, a traveling companion or an immediate family member. Additional covered reasons for cancellation include jury duty, the issuance of a subpoena for court or administrative hearing, job loss, unannounced strike, loss or theft of your passports, having a home made uninhabitable by a natural disaster, hijacking, quarantine and being involved in a documented traffic accident en route to departure.

If you should miss the departure of your vacation due to Common Carrier caused delays or other reasons including a quarantine; hijacking; natural disaster; civil commotion or riot.; or delays caused by a traffic accident, en route to a departure, in which you or your Traveling Companion are involved, there is coverage to reimburse you up to $500 per person for costs such as accommodations, meals, and transportation expenses in order to catch up to the trip or to return home.

Emergency Evacuation/Repatriation of Remains

If an injury or illness requires emergency medical transportation to the nearest adequate medical facility, the plan includes coverage for up to $15,000 for covered transportation expenses. In the event of your death, the plan includes coverage for up to $15,000 toward the covered expenses associated with transporting your remains.

Medical Protection

If you become ill or injured while on your trip, the plan includes coverage to reimburse you to $10,000 in covered medical expenses. Medical coverage while traveling overseas is particularly important as Medicare and some HMO's may not cover medical expenses incurred outside the U.S. Note that medical coverage is excess to any other insurance you may have for these expenses.

Baggage Protection

If your baggage and/or personal effects should become lost, stolen or damaged during or while in transit to or from your trip, the plan includes coverage to reimburse you up to $1,000. The plan also includes baggage delay coverage, for up to $500 for the purchase of necessary items in the event your luggage is delayed by a common carrier for more than 24 hours during your trip. Note that baggage coverage is excess to any other insurance you may have for these expenses.

24-Hour Worldwide Emergency Assistance

24-hour emergency telephone assistance hotline provided by On Call International to help with travel-related emergencies ranging from cash transfer, legal, dental, or medical referral, lost travel documents assistance as well as medical consultation and monitoring.

Will my current home, renters, credit card, or health insurance policies cover me during my vacation?

The Package Protection Plan has a wide range of travel benefits which credit card, and renters insurance policies often do not offer. Other insurance policies may not offer coverage while you travel due to benefit limits, territory restrictions, and deductibles. Most people don't have any insurance coverage at all if they must cancel their trip, and even if they do, reimbursement for cancellations due to any reason is rare. However, you should review your own policies carefully to see what is covered.

Homeowners and renters plans may offer coverage for lost possessions. However, these plans may not fully cover your loss fully due to high deductibles.

The medical coverage included in the Package Protection Plan may be valuable for people whose health insurance policies do not pay for covered medical expenses incurred outside of the United States (e.g., Medicare, certain HMOs, etc.). Even if it your insurance does, you may not be covered for the full amount due to deductibles and co-insurance. Plus, many plans do not pay for evacuations, which can be very expensive. Of course, having your own medical coverage does not insure you against cancellation.

Many credit cards have only limited coverage and assistance service, with only a few including coverage to reimburse in the event of a cancellation or an evacuation. Check your credit card documentation carefully.

Is there help while I'm traveling?

One of the valued benefits offered in The Package Protection Plan is the 24-Hour Emergency Assistance Service. On Call International is a leader in this field. With On Call International, you have around the clock access to the services of a highly trained, multi-lingual staff who can assist you with such emergencies as cash transfers, lost documents, medical or legal monitoring, or referrals. They are also equipped to respond to many unexpected circumstances, such as providing potentially costly air ambulance transportation in medical emergencies. If an emergency should arise during your trip, call On Call International immediately and give the details of your problem or medical emergency.

• Seeking pre-trip advice such as immunization and visa requirements.
• If you leave your prescriptions at home and need help finding a local pharmacy and having your prescriptions called in.
• If you lose your passport and need assistance in finding the nearest passport office or embassy and getting the correct paperwork.
• If your wallet is stolen and you need help filing the proper police reports and getting money wired to you from home accounts.
• Finding a local doctor, hospital or, for severe medical emergencies, arranging a medical evacuation.

Who can I contact for more information?

You may contact BerkelyCare, the plan administrator, with any questions regarding the Package Protection Plan. Their CustomerCare representatives will be happy to assist you.

Via email: [email protected] Via phone: 1-800-453-4079 or 516-342-2720 Via mail: BerkelyCare P.O. Box 9022 300 Jericho Quadrangle Jericho, NY 11753 Office Hours: 8AM-10PM (EST), Monday-Friday, 9AM-5PM (EST), Saturday

This program was designed and administered for Expedia, Inc.’s clients by BerkelyCare SM

IN CALIFORNIA: BerkelyCare SM is a service mark of Aon Direct Insurance Administrators, CA Insurance License # 0795465.

IN ALL OTHER STATES: BerkelyCare SM is a division of Affinity Insurance Services, Inc. in all states other than CA, except: AIS Affinity Insurance Agency, Inc. in MN and OK and AIS Affinity Insurance Agency in NY.

When is payment for the plan due?

Payment for the plan is due with your initial trip payment.

How do I enroll in the Package Protection Plan?

The option to enroll is presented to you while booking your vacation package. If you would like to purchase the Package Protection Plan, simply select it and the cost of the plan is automatically included in the total amount due for your trip. Simply pay the amount indicated to purchase the plan.

When does coverage go into effect and will it cover me for the entire length of my vacation?

The Trip Cancellation coverage takes effect upon receipt of the required plan cost by Expedia. All other benefits will take effect at 12:01 A.M. on your scheduled departure date and location. Your coverage will remain valid until 11:59 P.M. on your scheduled completion date or your return to your origination point as stated on your tickets, whichever is earlier.

I am not a U.S. or Canadian resident; can I purchase the plan?

The Package Protection Plan is available only to U.S. residents and non-U.S. residents traveling to the U.S. who book their travel arrangements with Expedia.

What happens if I need to cancel my vacation?

Please contact Expedia and BerkelyCare as soon as possible in the event of a claim, as the insurer will not reimburse you for any additional charges incurred due to a delay in notifying Expedia of your cancellation. BerkelyCare will then forward you the appropriate claim form in order to file a claim.

What happens if my traveling companion cancels his/her vacation but I still want to travel?

If a person booked to share accommodations with you cancels for a covered reason under the Package Protection Plan and you must pay a "change in occupancy" fee (or single supplement charge), the plan includes coverage for this expense.

What happens if my flight is delayed or cancelled?

• the cost of a one-way economy ticket (less any refunds paid or payable for your original tickets) to catch up to your vacation or to return home.
• the cost of any unused prepaid land or sea arrangements; and/or;
• the cost of additional reasonable accommodations and travel expenses

Other covered reasons coverage include: traffic accident en route to a departure in which you or your traveling companion is not directly involved; lost or stolen passports; travel documents; or money; quarantine; hijacking; natural disaster, civil commotion or riot.

How do I get reimbursement if my bags and/or personal items are damaged/stolen/lost while I am traveling?

First, obtain verification from the appropriate authority to whom you reported the loss (for example, airline, hotel, transportation official, police, etc.). The baggage coverage in the plan includes reimbursement for the cost of repair or replacement of the luggage and covered contents inside the luggage. Upon your return home, simply request a claim form by visiting www.travelclaim.com or calling BerkelyCare at 1-800-453-4079.

If I require medical care while on my vacation, are my medical bills covered?

Yes, for covered expenses. The insurer reimburses up to $5,000 for a covered accident and up to $5,000 for a covered illness that occurs during your trip. In order to be reimbursed, save any receipts and statements from the treating physician. Upon your return home, simply request a claim form by visiting www.travelclaim.com or calling BerkelyCare at 1-800-453-4079. You will be asked to forward copies of your medical bills, as well as any explanation of benefit forms you may receive from your regular health insurer in regard to this loss, as the medical coverage in this plan is excess to any other insurance you may have for these expenses.

Please also note that should you require follow up care for your illness or injury once you return home, the plan includes continued medical coverage for up to 52 weeks from the onset of the illness or injury, or until you have exhausted the coverage limit. In the event of a medical emergency while traveling, the plan also includes emergency assistance services through On Call International. Should your medical condition necessitate your medical evacuation to another facility or home, these arrangements are made by On Call International

How do I file a claim?

You may request a claim form online via www.travelclaim.com or alternatively, call BerkelyCare, the plan administrator, at 1-800-453-4079 from 8:00 AM to 10:00 PM EST Mon-Fri or 9:00 AM to 5:00 PM EST Sat. Please note that you may want to have a copy of your Expedia invoice handy as there are some details that will be needed in order to initiate your claim. This information includes your travel dates, date of cancellation, booking number, and some brief information regarding your reason for cancellation, or other type of loss (i.e., trip delays, baggage loss or delay, medical claims, etc.). Important: If you are canceling your vacation, be sure to also contact Expedia to notify them of the cancellation, as well as to avoid additional expenses due to late reporting. For covered emergencies during your trip which require evacuation, interruption, or other travel-related emergencies, call On Call International at the telephone number provided with your travel documents and provide them with your plan number and emergency details.

Who is considered an "Immediate Family" member under the plan?

Our definition of "Immediate Family" is quite broad. It's not just the family members who reside with you. "Immediate Family" includes: spouses, domestic partners, parents, grandparents, siblings, siblings-in-law, children, grandchildren, aunts, uncles, nieces, nephews, and business partners. See the Definitions section of the Description of Coverage for a full listing.

Are there exclusions?

Certain restrictions do apply. For example, the coverage in the plan does not provide duplicate payments if there are other sources of reimbursement available.

Is there a Pre-Existing Condition Exclusion?

The Package Protection Plan does not have a pre-existing condition exclusion.

Contact Information

This program was designed and administered for Expedia, Inc.’s clients by BerkelySM:

IN CALIFORNIA: BerkelySM is a service mark of Aon Direct Insurance Administrators, CA Insurance License # 0795465.

IN ALL OTHER STATES: BerkelySM is a division of Affinity Insurance Services, Inc. in all states other than CA, except: AIS Affinity Insurance Agency, Inc. in MN and OK and AIS Affinity Insurance Agency in NY.

This plan is underwritten by: Stonebridge Casualty Insurance Company. Please see Terms and Conditions for full details include plan terms, conditions and exclusions.

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

Cruise Insurance: Why You Need It + 4 Best Options for 2024

Seven Corners »

Travelex Insurance Services »

AXA Assistance USA »

Berkshire hathaway travel protection ».

Why Trust Us

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

Table of Contents

• Seven Corners
• Travelex Insurance Services

Cruise vacations come with the same considerations as any other trip, including the potential for trip cancellations, trip interruptions, unforeseen medical expenses and even a need for emergency medical evacuation. Add in the potential for unruly weather during hurricane season , and it's easy to see why cruise insurance plans are so popular and recommended.

Read on to find out which cruise travel insurance plans U.S. News recommends and how they can protect the investment you made in a cruise when something goes wrong.

Frequently Asked Questions:

All cruise insurance plans are unique, and some have different coverages than others. However, most travel insurance plans for cruises cover the following:

• Trip delays, interruptions and cancellations: This kind of coverage is essential any time of the year, but especially during hurricane season when storms can impact your travel plans. 
• Protection for medical emergencies: This type of coverage can help pay for unexpected medical bills if you're injured on board the ship or hurt during a shore excursion. You can also choose a cruise insurance plan that covers emergency medical evacuation from the ship or to the nearest hospital.
• Coverage for lost or delayed baggage: Coverage for baggage is important for cruises just like any other trip. This type of insurance can pay for essential items you need to buy if your bags are lost or stolen and don't make it on the ship. 

With each of these protections, a coverage limit is listed with your plan. This means you may get reimbursed for your losses or prepaid travel expenses up to this limit, but only when a covered reason applies to your claim.

One of the main reasons to buy cruise insurance is for medical emergencies. Note that, once you're on a cruise ship or visiting a destination outside the United States, your own U.S. health insurance plan will not apply. The same truth applies if you have government health coverage like Medicare.

You can purchase cruise insurance through your cruise line, but these plans are often very basic with low limits for medical expenses and other coverages. For example, cruise line travel insurance policies often come with just $25,000 in coverage for emergency medical expenses and up to $50,000 in coverage for emergency medical evacuation, which may not be enough.

Fortunately, you can buy cruise insurance from any travel insurance provider when planning this type of trip. By buying coverage from an independent travel insurance provider instead of your cruise line, you get to select the exact coverages and limits you need for the best protection possible.

• Seven Corners: Best Overall
• Travelex Insurance Services: Best for Families
• AXA Assistance USA: Best for Medical Emergencies
• Berkshire Hathaway Travel Protection: Best Cost

Plan is cruise-specific

Get coverage for missed cruise connections and tours

Medical expense coverage is secondary if you opt for lower-tier Basic plan

• Up to 150% in reimbursement for trip interruption
• Up to $250 per person, per day in trip delay coverage ($2,000 maximum)
• Up to $250 per day in missed tour or cruise connection coverage ($1,500 maximum)
• Primary emergency medical expense coverage worth up to $500,000
• Medical evacuation and repatriation of remains coverage worth up to $1 million
• Political and security evacuation coverage worth up to $20,000
• Up to $2,500 in protection for baggage and personal effects (limit per item of $250)
• Up to $100 per day ($500 maximum) in coverage for baggage delays of six hours or more

Travel Select plan offers coverage with pricing for kids included

Customize your plan with additional medical coverage, adventure sports coverage and more

Only $1,000 in coverage for baggage and personal effects

$200 maximum coverage for baggage delays

• Trip cancellation coverage worth up to 100% of total trip cost (maximum $50,000)
• Trip interruption coverage worth up to 150% of trip cost (maximum $75,000)
• $2,000 in trip delay coverage for a delay of at least five hours ($250 per day)
• $750 in coverage for missed connections (delay of at least three hours required)
• Emergency medical expense coverage worth up to $50,000 (dental emergency sublimit of $500 included)
• Emergency medical evacuation coverage worth up to $500,000
• $1,000 in protection for baggage and personal effects
• Up to $200 in coverage for baggage delays (at least 12-hour delay required)
• Travel assistance services

Provides comprehensive coverage for all aspects of cruising

High policy limits for medical expenses and emergency evacuation

Does not offer cruise-specific travel insurance

• Trip cancellation coverage up to 100%
• Trip interruption protection up to 150%
• $1,250 in travel delay coverage ($300 per day)
• $1,500 in protection for missed connections
• Emergency accident and sickness coverage up to $250,000
• Emergency medical evacuation coverage up to $1 million
• Nonmedical emergency evacuation coverage up to $100,000
• $50,000 in accidental death and dismemberment coverage
• Baggage and personal item coverage up to $3,000
• Baggage delay coverage worth up to $600

Comes with enhanced medical and luggage benefits, protections for cruise ship disablement, and more

Cruise delay coverage kicks in after five hours

Baggage delay coverage is only for $200 and doesn't kick in for 24 hours

No option to purchase CFAR coverage

• Up to $75,000 in protection for emergency medical care
• Emergency evacuation and repatriation of remains coverage worth up to $750,000
• Cruise cancellation coverage for 100% of trip cost up to $25,000 per person
• Cruise interruption coverage for 150% of trip cost up to $37,500 per person
• Cruise delay coverage worth up to $1,000 ($200 per day for delays of five hours or more)
• Missed connection coverage worth up to $500 (for delay of three hours or more)
• Cruise ship disablement coverage worth up to $500
• Up to $1,500 in coverage for baggage and personal effects

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer who has covered international travel, travel insurance and cruises for more than a decade. Johnson has researched and compared all the top travel insurance options for her own family for trips to more than 50 countries, some of which have included cruises all over the world. Johnson lives in Indiana with her two children and her husband, Greg – a travel agent who has been licensed to sell travel insurance in 50 states.

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Protect Yourself with Manulife World Travel Insurance

If you’re getting ready to go on a trip, and planning on doing a lot, make sure you protect all your plans with Manulife Insurance. It gives you the coverage you need when dealing with unexpected situations – whether you’re venturing within Canada or to another country. Manulife Insurance provides you with the products and emergency assistance services that fit nicely with all your travel plans.

Keep in mind that you’ve invested a lot of time and money into planning the perfect vacation. Why take a chance that an unexpected event will mean you lose your investment? With Manulife's affordable travel insurance packages, you can travel knowing you’re financially protected against most unexpected travel situations.

In addition, if you have a medical emergency while travelling, one toll-free call – anytime day or night – puts you in touch with a multilingual professional who will refer you to a local doctor or facility in order for you to receive the care you need.

What type of insurance is right for you?

With Manulife offering several different travel insurance packages, it’s important to figure out which insurance package best suits your needs. From single-trip insurance to multi-trip annual insurance, choose the package that’s right for you!

Premium Protection Plan

The Manulife Premium Protection Plan is designed for residents of Canada who:

• are covered with a government health insurance plan for the policy duration;
• are age 74 or younger (at the time of purchasing the policy);
• are travelling for a maximum of 30 days inclusive of any extension (including the date you leave on your trip and including the date you return home);
• are listed as Insured Person(s) on the confirmation of coverage and
• purchased the plan within 72 hours of making a deposit or initial payment on the trip travel arrangements.

Coverage includes Trip Cancellation and Trip Interruption, Travel Disruption, Emergency Medical, Baggage Loss, Damage and Delay and Travel Accident. These benefits provide coverage for ACCIDENTS, INJURIES, UNEXPECTED ILLNESSES AND OTHER UNFORESEEN EVENTS that occur during the policy period unless the event or situation causing your claim is specifically excluded in the section WHAT DOES THIS POLICY NOT COVER? *

• Family Rates available up to age 60
• No Medical Questionnaire required

Cancel For Any Reason (CFAR) Coverage - if your reason for cancellation is not covered under this policy:

• You may cancel your trip 7 days or more before the scheduled departure date stated on your confirmation of coverage and we will pay up to 80% of the covered amount for the non-refundable prepaid travel arrangement costs.
• You may also cancel your trip 6 days to 24 hours immediately before your scheduled departure date (and time) stated on your confirmation of coverage and we will pay up to 80% of the covered amount for the non-refundable prepaid travel arrangement costs up to $2,500.

This is a general summary only. For a full listing of benefits please read the policy as limitations and exclusions apply.

*For a full listing of benefits please read the policy as limitations and exclusions apply.

All Inclusive

This single-trip coverage for travellers of any age (eligibility requirement must be met for 75yrs and over) is the most comprehensive package offered by Manulife. This package includes the following benefits*:

• Emergency medical
• Trip cancellation and interruption
• Loss/damage of baggage and personal effects
• Baggage delay
• Flight and travel accident coverage

Trip Cancellation

This single-trip coverage for travellers of any age covers the risk of unexpected cancellation and interruption. This package includes the following benefits*:

Non-medical Inclusive

This single-trip coverage for travellers of any age (family plans for under the age of 60 also available) looking for a package to complement their existing travel emergency medical coverage. This package includes the following benefits*:

Global Medical under Age 60

This single-trip Emergency Medical coverage is for travellers under the age of 60. No medical questionnaire required. This package includes the following benefits*:

Our Promise

At Expedia Cruises, we are navigators of spectacular vacation experiences. As part of the number one brand in travel, this is our promise to you:

Advice you can trust.

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The 5 best cruise travel insurance plans

While smooth sailing will always be the aim, cruising today is often about expecting the unexpected. You can prepare yourself by taking out an insurance policy that can compensate you when your vacation at sea does not go as planned.

Need to cancel your trip last minute due to an accident or illness? Did your bags get delayed or lost? Do you need to exit the sailing early to take care of an emergency back home? Was there a mechanical issue with the ship that required a change of itinerary, causing you to miss your flight home?

For cruise news, reviews and tips, sign up for TPG's cruise newsletter .

All of these contingencies and more can be covered; it's just a matter of finding the best insurance policy for you. Here's how to evaluate which plan is the right choice for you, as well as five of the best cruise travel insurance plans available.

The best cruise travel insurance plan will always be a 3rd-party option

No plan will meet the needs of all cruise travelers, so there is little benefit to booking the one insurance option recommended by your cruise line during the booking process other than convenience.

You'll often find more affordable rates, comprehensive coverage and favorable terms utilizing third-party insurance companies. You'll have a wide choice of plans, so you can pick the one that works the best for your situation.

If you're wondering where the best place is to purchase third-party insurance, "No one comparison site is getting preferential deals," says Stan Sandberg, co-founder of TravelInsurance.com . "Insurance carriers' rates are the same anywhere." However, these insurance comparison sites can help you directly compare the pricing and coverage of multiple policies by a range of preferred providers.

Look for the following coverage options and compare coverage amounts to determine which third-party plan is the best cruise insurance option for your upcoming trip.

Related: Cruise travel insurance: What it covers and why you need it

Trip cancellation

You'll want to be reimbursed if an unexpected event forces you to cancel your cruise. Be sure to read the fine print of your policy, detailing which specific reasons for canceling your trip are covered and not covered.

Trip interruption and travel delays

You'll also want to be covered if issues occur after travel begins. It's important to find "a plan that offers trip interruption if something does happen during your trip, along with a plan that offers emergency medical evacuation, coverage for travel delays and missed connection benefits," adds insurance expert Meghan Walch from InsureMyTrip .

Related: What happens if you miss your cruise

COVID-19 contingencies

Walch advises all travelers booking a cruise to consider a plan that includes cancellation coverage for COVID-19. Note that you'll need more than a home test to file a claim. According to Walch, "You'll need a doctor saying that you have been diagnosed with COVID and specify that you are unable to travel."

In addition, look for coverage if you get sick and need to isolate away from home. "Some plans offer additional trip delay coverage, put in place as a result of needing additional or higher limits for instances that might include if the policyholder gets quarantined in a location," Sandberg adds.

Cancel for any reason

A cancel-for-any-reason optional upgrade offers the most flexibility. You can get a refund of up to 75% if you cancel your voyage for reasons not usually covered by travel insurance. However, it adds about 40% to your premium and can only be purchased within a limited window of time after your cruise purchase.

Related: What happens if my cruise line changes my itinerary or ship?

Lost or delayed baggage

Baggage loss insurance covers your luggage if it is lost, damaged or stolen during your trip. In the case that you make it on the cruise and your bags do not, the insurance agency can assist with locating and redirecting the bags to your next port, reimbursing you for items you may need to purchase to get you through your travels while you are without your belongings and covering your losses in the case that the bag is actually gone for good.

Note that certain high-cost items such as electronics, luxury watches and fine jewelry are not always covered by baggage loss insurance. Consider purchasing additional coverage for such items or — better yet — keep those items with you at all times.

Health coverage

Medical coverage is another consideration. "Most domestic health coverage [including Medicare] does not cover travel abroad, so it is important to look at a travel insurance policy that offers medical coverage during your trip, just in case anything happens," says Walch. "If you fall ill or are injured during the trip, it can be pretty expensive – even when going to the ship's onboard medical facility."

Related: How to avoid getting sick on a cruise

Hurricane coverage

Extreme weather and hurricanes are typically not covered if the cruise commences as scheduled, though you might be eligible for trip interruption coverage if weather cancels the cruise or cuts the itinerary short. There are also insurance plans that offer trip reimbursement if a destination on your itinerary is under a National Oceanic and Atmospheric Administration-issued hurricane alert or warning.

How much will cruise travel insurance cost?

Insurance pricing is dependent on the trip cost and the age of the insured travelers. Sandberg estimates that "travelers in their 30s or 40s can ballpark insurance coverage somewhere around 5% to 7% of the trip costs, with rates that can get lower depending on the extent of coverage."

Insurance is a tiered product that gets more expensive as you age. "As you get older, that range can expand to 10% of trip costs," notes Sandberg. "Adding bells and whistles, like 'cancel for any reason' [coverage], rates can rise to 11% to 12% of the cost of your trip."

Related: How cruising newbies waste money on their 1st cruise

5 best cruise travel insurance plans

Following extensive research scouring the fine print, we've selected five of the best cruise insurance plans that will appeal to a variety of seagoing travelers.

All five plans provide coverage for COVID-19-related trip cancellation and interruption.

For the leisure cruiser: TravelSafe Classic Plan

TravelSafe's Classic Plan is the best value all-around for the average cruiser, with superior coverage limits at a fair rate.

This plan's coverage includes an impressive $1 million per person for medical evacuation and a high $2,500 coverage limit for bag loss. You have extra time – 21 days – from your initial deposit to add a cancel-for-any-reason upgrade to your plan. The accident and sickness medical coverage is primary, with coverage up to $100,000.

The policy's $750-maximum trip delay coverage begins after a six-hour delay and includes kennel fees for up to $100 per day, along with coverage for additional meal and accommodation expenses.

For the budget conscious: AXA's Silver Plan

AXA's Silver Plan is the company's entry-level offering, with more value added than most budget insurance options — most notably the company's concierge service. Coverage under this plan includes robust trip cancellation and interruption coverage, both at 100% of the costs, along with $100,000 for emergency medical evacuation.

The plan also offers identity theft assistance in case your wallet or passport gets stolen while traveling, assisting with filing and obtaining police and credit reports, taking inventory of lost or stolen items, and even wiring emergency funds to you when you're really in a bind.

You won't have the option to purchase a cancel-for-any-reason add-on or opt in for a collision damage waiver on this lowest-tier plan.

For the luxury cruise traveler: John Hancock's Gold Plan

John Hancock's Gold Plan offers robust medical evacuation and repatriation coverage up to $1 million per person, ideal for those luxury cruises that rove to the farthest reaches of the globe. The plan has excellent baggage loss coverage at up to $2,500 per person, along with a low three-hour minimum travel delay ($1,000 per person, $200 daily limit) benefit.

Preexisting medical conditions are covered by this policy, though you must purchase your policy within 14 days of your trip deposit.

For increased medical coverage: Seven Corners' RoundTrip Choice Plan

Seven Corners' RoundTrip Choice Plan offers primary medical coverage for emergency accident and sickness medical expenses up to $500,000, while many other plans only offer secondary coverage. The plan's medical evacuation coverage is high at $1 million, and preexisting conditions are covered with a few conditions that apply, namely that you purchase the policy within 20 days of your initial trip payment.

The policy also offers detailed, robust COVID-19 coverage, including reimbursement for medical care if you contract COVID-19 while traveling. Its coverage also includes meals, local transportation and lodging if you're delayed six or more consecutive hours due to quarantining with COVID-19.

Coverage options on the plan may vary slightly depending on which U.S. state you claim as your residence.

For the adventurous cruiser: World Nomads' Explorer Plan

World Nomads is one of the few insurance companies that will cover more than 200 adventure activities on your travels, including scuba diving, skydiving and bungee jumping. The coverage for the long list of activities includes emergency medical expenses while outside the U.S., medical evacuation and repatriation, along with trip interruption.

World Nomads' Explorer Plan also offers $25,000 in coverage for nonmedical emergency evacuation for covered events, such as a natural disaster or political or security situations.

Travelers 70 and older are required to add a "Silver Nomads" policy, offered through TripAssure.

Bottom line

Cruising isn't always a blissful week spent relaxing on the pool deck or snorkeling among multicolored reefs. Mishaps occur, whether it's losing luggage, missing a flight or falling ill.

The best cruise insurance policies are the ones that won't let you sail without a safety net, charging a fraction of your trip expenses in exchange for the peace of mind that there's a plan in place should something go wrong. With a range of pricing and coverage options available, you can feel confident that you can find a policy to suit your travel needs.

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Home » Online Shopping » Flights / Hotels » How to Get Travel Insurance from Expedia

How to Get Travel Insurance from Expedia

Now that you’ve learned all about booking flights, hotels, car rentals, vacations, and cruises with Expedia , you might be thinking about planning a trip. If you’re looking for a little extra peace of mind on your trip, you might be considering purchasing one of Expedia’s travel protection plans, in order to be ready for the unexpected.

Just a heads-up that some of the services we’re reviewing here have affiliate partnerships with us, so we may earn a commission if you visit one of them and buy something. You can read more about how this works at https://techboomers.com/how-to-support-techboomers .

In this article, we’ll explain how to get protection from Expedia, and what types of plans you can choose from. Read on to learn more!

How Expedia travel insurance works

Expedia travel insurance is a protection plan for your trip which will entitle you to a refund in the event that the conditions of the insurance are met. By purchasing insurance with or after your booking, you are protecting yourself if the trip is cancelled or if unfortunate circumstances occur while on your trip.

We all know vacations can be expensive. By purchasing an Expedia protection plan, essentially you are preparing for a situation out of your control, so you don’t lose all of the money you spent on your trip. Depending on the protection you purchase, you could be reimbursed for the cost of your trip for situations such as illness, bad weather, or missing your flight.

You will be given the option of adding travel insurance while booking, but this is completely optional. You will need to purchase protection plans during booking, prior to the completion of your transaction. You can however purchase the Car Rental Insurance Plan up until the day before you leave for your trip.

How do I get a Travel Protection Plan from Expedia?

You will automatically have the option to add a travel protection plan whenever you are booking an itinerary for which that plan is applicable. 

Types of Travel Protection Plans that Expedia offers

Expedia package protection plan – for before, on, or after the trip..

This plan applies mainly to vacation packages, usually consisting of at least a flight and hotel booking. It is meant to protect you from elements before and during your trip, including:

• If you need to change or cancel your flight before you leave, for any reason (one time only)
• If your flight is significantly delayed
• If you need to return home mid-trip because of an emergency
• If you need to pay for any emergency medical bills
• If your baggage is lost, stolen, damaged, destroyed, or significantly delayed
• If you or someone you are travelling with is seriously injured or killed in an accident
• If you need to call someone for any other type of emergency travel or medical assistance

Expedia Vacation Waiver – for flight issues.

This is similar to the package protection plan, except that it only covers you if you need to change or cancel your flight before you leave.  If you’re just worried about whether or not you’ll be able to make your flight at all, and not so much about what will happen after you’re already on it, then pick this plan.

• You can use this plan one time only, before the time you are scheduled to leave.
• You may cancel or change your flight for any reason. 
• Expedia will pay for any change or cancellation fees from the airline.
• You will be given credit to use towards a flight in the future.
• The future flight must be with the same primary passenger on the same airline.

Expedia Cancellation Plan – for an emergency before the trip occurs.

Similar to the vacation waiver, this plan compensates you if you need to cancel your trip before you leave or during your trip, if you or someone closely related to you becomes critically ill or injured. 

• This plan only compensates you if you wish to cancel your trip, not change it.
• It covers medical emergencies only, and requires a doctor’s note.
• It is available only for packages that include flights totally within the continental United States.

Expedia Total Protection Plan – for travel, medical, baggage, and emergencies.

This plan is sort of a mix between the cancellation plan and the package protection plan, and usually only applies to packages that have flights booked, but not hotel rooms. 

• Like the cancellation plan, it allows you to be compensated if you cancel your trip before you’re scheduled to leave or after you’ve already left, though only for doctor-certified medical emergencies.
• Like the package protection plan, it also protects your luggage against loss, theft, damage, destruction, or significant delay.  It also covers emergency medical bills, and can compensate you if you or a travelling partner is seriously injured or killed in an accident.  Finally, it includes 24/7 emergency traveller’s assistance.

Cruise Travel Protection.

As its name implies, this plan is for packages that include cruises.  It offers you protection and/or compensation:

• If you have to cancel your cruise because you or a close associate has a medical emergency
• If your cruise is significantly delayed
• If you have to pay for any emergency medical bills
• If your luggage is lost, stolen, damaged, destroyed, or significantly delayed

Car Rental Insurance.

This plan covers your expenses, above and beyond your regular car insurance, if your rental car is damaged by forces of nature (fire, flood, hail, wind, etc.) or by anything else that isn’t your fault. This is also the only insurance that can be purchased from Expedia after your booking; you can obtain it up until the day before you leave for your trip – so you have more time to decide if you’ll need it.

Is Expedia’s Travel Insurance Worth It?

The answer to this, like a lot of similar questions, is “it depends.”  There are a number of factors that may make you decide that you want the extra protection or not.  Here are a few things to consider.

• How well does your other insurance cover you? There are some things included in their travel insurance plans that your other insurance plans don’t cover, and there are some things that they do.  Consider what things are most likely to pose a problem for you personally on your trip, and ask whether the insurance you have already covers those things or not.  
• How dangerous is your trip destination? There are some places that are prone to extreme weather conditions, while others are notorious for thievery and violence.  Again, consider what the biggest risks are for you when travelling when deciding on your insurance plan.  
• Did you read the fine print? Again, we know that a lot of people don’t like doing it and/or don’t bother doing it.  But a lot of people who complain on the Internet about the travel insurance plans being useless probably didn’t realize that there are specific situations in which they do or do not apply.  For instance, some of them only reimburse you if you outright cancel your trip instead of changing it, and only for a medical emergency verified by a doctor.  
• Are you getting value for money? This kind of goes hand-in-hand with the other points made so far.  There are some places where you will be able to buy travel insurance at a lower rate.  Also, in some places, you may be able to get travel insurance that is more expensive, but has more covered scenarios and/or doesn’t have as many restrictions in the fine print.  Do a bit of shopping around to find a good balance of price versus broadness of coverage.

And that’s how Expedia’s Travel Protection Plans work. If you’re interested in learning more about what you may be entitled to when you book with Expedia, check out our article on the their cancellation policy here .

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Top 10 Benefits of Travel Insurance Through Expedia

Are you ready to embark on your next adventure? Remember the essential item that starts with the letter ‘T’ – travel insurance through Expedia!

In this article, we’ll explore the top 10 Expedia insurance benefits. From protecting your trip against cancellations and interruptions to providing medical emergency assistance, Expedia’s insurance partners offer comprehensive plans to ensure your peace of mind throughout your journey.

With 24/7 customer support, help is just a phone call away, no matter where you are. Plus, integrating insurance with your travel booking on Expedia is a breeze, making the entire process seamless and hassle-free.

So, before you take off on your next adventure, ensure you’re covered with travel insurance from Expedia.

Key Takeaways

• Expedia travel insurance offers comprehensive coverage, including pandemic-related issues, providing peace of mind for travelers.
• Integrating travel insurance with online booking platforms like Expedia offers a seamless experience for travelers.
• There is a growing emphasis on sustainable and responsible travel, with insurance policies adapting to these values.
• Technological advancements have made it easier for travelers to manage and claim their insurance remotely.

1. Trip Cancellation and Interruption Coverage

When booking your trip through Expedia, you can enjoy the peace of mind that comes with their comprehensive trip cancellation and interruption coverage. Expedia travel protection covers you in case you need to cancel your trip or if it gets interrupted for any reason.

Whether it’s due to an unexpected illness, a family emergency, or even a natural disaster, Expedia has you covered. Their travel insurance policy details provide the information you need to understand what’s covered and how to make a claim if necessary.

Expedia’s trip cancellation and interruption coverage is designed to protect your investment and provide you with financial peace of mind. So go ahead and book your trip with confidence, knowing that Expedia has your back.

2. Medical Emergency Protection

To ensure your safety and well-being during your travels, Expedia offers comprehensive medical emergency protection as part of their travel insurance coverage. With Expedia’s travel insurance, you can have peace of mind knowing you’re protected in a medical emergency while away from home.

The medical emergency coverage includes reimbursement for emergency medical expenses, hospital stays, and emergency medical evacuations. Expedia’s travel insurance policy details the specific coverage limits and benefits so you can understand exactly what’s included.

Whether it’s a sudden illness or an unexpected injury, Expedia’s medical emergency protection covers you.

Now, let’s move on to the next significant benefit: baggage loss and delay insurance.

3. Baggage Loss and Delay Insurance

Baggage loss and delay insurance are integral to a comprehensive travel insurance plan, offering essential protection for travelers. This coverage ensures peace of mind and financial assistance when luggage is delayed or lost. Here’s a closer look at the importance and benefits of this coverage:

• Financial Reimbursement : If your baggage is lost, stolen, or damaged during your trip, baggage insurance provides financial compensation, helping to cover the cost of replacing the lost items.
• Protection of Valuables : This coverage is crucial for travelers carrying valuable items like electronics, jewelry, or important documents.
• Coverage for Essential Purchases : If your luggage is delayed, the insurance typically covers the cost of essential items such as clothes and toiletries, ensuring you have what you need until your luggage arrives.
• Reduced Stress : Knowing you’ll be compensated for necessary purchases helps reduce the stress and inconvenience caused by delayed baggage.
• Peace of Mind : Baggage insurance provides travelers with peace of mind, knowing they’re protected against the financial impact of lost or delayed luggage.
• Comprehensive Travel Protection : Integrating baggage insurance into your travel plan means a more comprehensive coverage, protecting you from a broader range of potential travel issues.
• Convenience : In the event of baggage loss or delay, insurance streamlines the process of getting compensation, making it less hassle.
• In addition to baggage coverage, many travel insurance policies, including those offered by providers like Expedia, come with global travel assistance services. These services can include 24/7 emergency support, help with lost passports, medical emergencies, and more.
• Access to global travel assistance adds another layer of security, ensuring that you have professional support available no matter where you are.

Now, let’s explore the next important aspect of Expedia’s travel insurance: global travel assistance services.

4. Global Travel Assistance Services

Expedia’s travel insurance offers comprehensive coverage for international travel, providing essential services and support to ensure your safety and peace of mind during your journeys abroad. Here’s a detailed overview of their key offerings:

• Emergency Evacuation Services : Assists in arranging medical evacuations and ensuring safety during severe medical emergencies or natural disasters.
• 24/7 Global Travel Assistance : Offers round-the-clock support for any emergencies or issues you encounter during your travels. This includes access to a team of professionals who can provide immediate guidance and assistance.
• Expertise and Experience : Backed by trusted partners and extensive experience managing travel emergencies, ensuring a swift and effective response to various crises.
• Trip Cancellation and Interruption : Covers non-refundable expenses if your trip is canceled or interrupted due to covered reasons.
• Medical Emergency Coverage : Includes expenses for medical treatment, emergency medical evacuation, and repatriation of remains.
• Baggage Loss and Delay Insurance : Reimburses you for lost, stolen, or delayed baggage, reducing the inconvenience and financial impact of such situations.
• Rental Car Damage Protection : Provides coverage for damages to rental vehicles, which can be a significant concern when traveling abroad.
• Trip Delay Reimbursement : Compensates for additional expenses incurred due to unexpected trip delays.
• Accidental Death and Dismemberment : Offers financial protection in the unfortunate event of accidental death or dismemberment during the trip.
• Emergency Medical Transportation : Ensures coverage for emergency medical transport to the nearest appropriate medical facility if required.
• Reading customer reviews of Expedia’s travel insurance can provide insights into other travelers’ experiences, helping you gauge the reliability and effectiveness of their coverage.

In summary, Expedia’s travel insurance for international trips provides a safety net for various potential travel issues, from medical emergencies to travel inconveniences. This comprehensive coverage and efficient emergency response services ensure that travelers can enjoy their international adventures with confidence and security.

5. 24/7 Customer Support

Expedia’s customer support is a reliable resource for travelers seeking assistance with their travel insurance. When you have questions or need help with your policy, you can count on Expedia’s support team to provide prompt and knowledgeable assistance.

Here are three reasons why Expedia’s customer support stands out:

• 24/7 availability : Whether you’re planning your trip or already on the go, Expedia’s customer support is available around the clock to assist you with any travel insurance inquiries or concerns.
• Expert guidance : The support team is well-trained and experienced in travel insurance policies. They can help you understand the coverage options, compare different plans using travel insurance comparison tools, and find the right policy that suits your needs.
• Seamless integration : Expedia’s online travel insurance booking platform seamlessly integrates with their customer support, making it easy for you to access assistance whenever needed.

With reliable customer support, you can have peace of mind knowing that help is just a phone call or message away.

In the next section, we’ll explore Expedia’s comprehensive coverage options for flights.

6. Comprehensive Coverage for Flights

Expedia’s travel insurance offers comprehensive flight coverage, addressing various concerns like cancellations, delays, and lost baggage. Here’s a breakdown of these coverages:

• Financial Reimbursement : In case of flight cancellations, you are entitled to coverage for non-refundable expenses. This ensures you’re not financially burdened due to unforeseen cancellations.
• Flexibility : This protection allows you to rebook your flight or choose alternative travel arrangements without incurring extra costs.
• Peace of Mind : Knowing that your investment in travel is protected in case of cancellations can provide significant peace of mind.
• Reimbursement for Additional Expenses : If your flight is delayed, you can claim reimbursement for additional expenses like meals, accommodations, and transportation.
• Missed Connection : This coverage also extends to situations where you miss a connecting flight due to a delay.
• Including COVID-19 Related Delays : With the current global situation, coverage for delays related to COVID-19, such as quarantine requirements, adds an extra layer of protection.
• Compensation for Lost Items : If your baggage is lost during your journey, Expedia’s insurance offers reimbursement to cover the cost of your belongings, reducing the inconvenience of lost luggage.
• Customizable Insurance Options : You can tailor your insurance package to include specific coverages based on your needs, whether for high-value items or additional activities.
• Overall Assurance : Having coverage for lost baggage ensures you can travel without worrying about your luggage’s safety.

Making a Claim :

• If you need to make a claim, it’s essential to have all the necessary documentation, such as receipts and proof of delay or loss. Expedia’s customer support can assist you throughout the claim process.

Choosing Expedia’s comprehensive flight coverage can safeguard you against various travel-related uncertainties. Whether it’s a canceled flight, a delay, or lost luggage, having this protection can make a significant difference in your travel experience, offering financial security and peace of mind. Always review your insurance policy’s specific terms and coverage limits to ensure it meets your travel needs.

7. Adventure and Cruise Insurance Options

When considering adventure and cruise travel, exploring the insurance options available through Expedia is essential. Whether embarking on a thrilling hiking expedition or setting sail on a luxurious cruise, having the right insurance coverage can provide peace of mind. Expedia offers adventure travel insurance and cruise insurance options to cater to the specific needs of these types of trips.

Here is a table summarizing the key features of Expedia’s adventure and cruise insurance options:

Expedia’s adventure travel insurance covers trip cancellations or interruptions, medical emergencies, and baggage loss or delays during your adventure travel. Similarly, their cruise insurance options offer the same coverage for cruise-specific scenarios. Additionally, both options include global travel assistance and 24/7 customer support to assist you throughout your journey.

With Expedia’s adventure and cruise insurance options, you can confidently travel, knowing that you are protected against unforeseen circumstances that may arise during your trip .

8. Family-Friendly Plans

You’ll be pleased to know that Expedia offers family-friendly plans for travel insurance, ensuring that you and your loved ones are protected during your adventures.

Here are some key benefits of Expedia’s family travel insurance plans:

• Coverage for the whole family: Expedia’s plans provide comprehensive coverage for all members of your family, including children and elderly relatives.
• Affordable options: Expedia understands that family trips can be expensive, so they offer affordable travel insurance packages that fit your budget.
• Peace of mind: With Expedia’s family travel insurance plans, you can confidently travel knowing that you have protection against unforeseen events such as trip cancellations, medical emergencies, and baggage loss.

Choosing the right travel insurance for your family is essential, and Expedia makes it easy by offering tailored plans that prioritize your loved ones’ well-being.

9. Coverage for International Trips

Expedia’s travel insurance provides comprehensive coverage for international trips that ensures peace of mind throughout your journey. Whether you’re exploring ancient ruins in Greece or embarking on a safari adventure in Africa, Expedia has you covered.

Their multi-trip insurance policies are designed to meet the needs of frequent travelers, offering protection for multiple trips within a specified period.

Additionally, Expedia understands that different destinations have unique risks, so they offer destination-specific insurance coverage. This means that your policy will be tailored to your chosen destination’s specific risks and requirements.

10. Convenient Online Booking and Management

To conveniently book and manage your travel insurance, Expedia offers a user-friendly online platform where you can easily compare plans and customize coverage to suit your specific needs. Here’s why their online booking and management system is a game-changer:

• Streamlined Comparison : Expedia’s platform allows you to compare different insurance plans side by side, making it easy to understand the differences in coverage and pricing.
• Customizable Coverage : With Expedia, you can customize your insurance policy to meet your specific requirements. You can select the level of coverage for trip cancellation, medical emergencies, baggage loss, and more.
• Effortless Policy Management : Expedia’s online platform lets you easily manage your insurance policy. You can access your policy details, make changes, and renew or cancel your policy in one convenient place.

With Expedia’s convenient online booking and management, you can find the right travel insurance policy and have peace of mind while exploring the world.

Frequently Asked Questions

What are some specific examples of trip cancellation or interruption scenarios that expedia insurance benefits covers.

Expedia travel insurance covers specific trip cancellation or interruption scenarios such as illness, injury, or death of you, a travel companion, or a family member. It also includes coverage for natural disasters, travel supplier bankruptcy, and job loss.

How Does Expedia’s Medical Emergency Coverage Differ From Regular Health Insurance?

Expedia’s medical emergency coverage provides additional protection beyond regular health insurance, offering financial assistance for medical expenses, emergency medical evacuation, and repatriation. It ensures peace of mind during your travels, knowing you’re covered in case of unexpected medical situations.

Are there Any Specific Limitations or Exclusions for Baggage Loss and Delay Insurance Through Expedia?

There are specific limitations and exclusions for baggage loss and delay insurance through Expedia. Reviewing the policy details to understand what is covered and any conditions or exclusions that may apply is essential.

What Types of Global Travel Assistance Services Does Expedia Offer, and How Can They Be Accessed?

Expedia offers various global travel assistance services accessible through their customer support. Whether you need help with medical emergencies, trip cancellations, or lost baggage, Expedia provides support and ensures your peace of mind while traveling.

Can You Provide Examples of Situations Where Expedia’s 24/7 Customer Support Has Been Particularly Helpful for Travelers?

Expedia’s 24/7 customer support has been a lifesaver for travelers in various situations. From flight cancellations to lost luggage, their responsive and helpful team is always ready to assist you, ensuring a stress-free travel experience.

So, before starting your next adventure, remember to secure travel insurance through Expedia. You can travel with peace of mind with comprehensive coverage and 24/7 customer support.

And here’s an interesting statistic to keep you interested: did you know that 30% of travelers experience some form of trip interruption or cancellation? Don’t let unexpected events ruin your trip – protect yourself with travel insurance through Expedia.

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Expedia has grown to become one of the most dominant platforms in travel distribution. Its comparison engine has helped save customers millions of dollars on flights and hotels. At the end of each session, every customer is pushed to buy Expedia Travel Insurance.

Expedia Domestic Travel Insurance

Expedia's Domestic Insurance provides no Travel Delay cover. As in, zero. Expedia does not offer any Baggage cover in its domestic travel insurance. Lost bags are your problem.

Expedia International Travel Insurance

When traveling internationally, Expedia Flight Insurance offers only pitiful medical cover - $5k. We recommend no less than $100k of medical cover when overseas - Expedia's Flight Insurance level of protection is totally inadequate.

Check the cost and cover from Expedia Travel Insurance. Then run a quote with a Travel Insurance Marketplace like Cruise Insurance 101 . You will get a range of travel insurance quotes from the leading travel insurers in the USA.

We worry that customers who buy Expedia Travel Insurance will think that they have useful comprehensive cover, yet be dangerously short of travel protection. It only takes one minute to compare travel insurance. We strongly recommend that Expedia customers do this.

But, Is Expedia Travel Insurance Worth Buying?

Expedia customers traveling domestically within the USA who think that they are getting cheap Expedia Travel Insurance will have little or no cover. Expedia’s insurer, AIG Travel Guard, won’t even call it Travel Insurance – it is referred to as a ‘Flight Cancellation’ policy. The policy has so little in the way of travel cover we cannot think why the policy was created. It is nearly useless.

Should you buy Expedia Travel Insurance when traveling internationally you will have woefully weak protection. Again, AIG Travel Guard will not call it Travel Insurance on its policy documents. This time, it is known as a ‘Flight Total Protection Plan’. There are so many weaknesses in this policy. The international travel health protection is totally inadequate, in our opinion.

Please enjoy our comprehensive Expedia Travel Insurance Review. Please do not buy Expedia Travel Insurance until you have read the review.

Expedia Travel Insurance Highlights

• Expedia’s Flight Insurance is provided by AIG, a highly reputable travel insurer.
• Expedia Travel Insurance is incredibly expensive – twice the price of other policies.
• Expedia Travel Insurance has very weak levels of cover that are insufficient for most travelers.

We cannot recommend that you buy Expedia Travel Insurance.

There are a multitude of better trip insurance plans with better cover at a lower price.

Expedia Travel Insurance – Cover Provided by AIG Travel Guard

AIG Travel Guard is the underwriting partner for Expedia Travel Insurance. AIG is one of the most respected travel insurance carriers in the USA. Indeed, we are a partner of AIG’s, and host a number of its comprehensive travel insurance policies. However, the policies that AIG provides to Expedia are not Trip Insurance policies. They are described as ‘Flight Protection’ plans, and look nearly worthless to us.

Expedia’s International Travel Insurance Plan is called ‘Expedia Total Protection Plan’.

Expedia’s Domestic Travel Insurance Plan is called ‘Expedia Flight Cancellation Plan’.

We will first cover the Domestic Expedia Trip Insurance, followed by the International Expedia Trip Insurance.

Why Should I Buy Travel Insurance?

Before we jump into the policies that Expedia offers, it probably makes sense to cover the main reasons that people buy travel insurance in the first place.

Tragic Cancellation Cover We want to be able to cancel our trip if we are presented with terrible circumstances at home. If there is a death or serious illness in the family, for example.

Redundancy Protection If we lose our job, we would like to be able to cancel our trip and be compensated.

Vacation Cancellation Protection If our vacation is cancelled by our employer, we would like to be compensated for the cancelled vacation.

Medical Cover Whether we travel at home or abroad, we want health cover in case we get sick or involved in an accident.

Medical Evacuation Cover If we do get sick or injured, we want our travel insurance to take care of the costs involved in moving us to a medical facility.

Baggage Protection If our bags are lost by the airline, is there cover in place?

Now, there are more options than this in any trip protection policy, but these are the ones that people are most worried about. The ones we consider most critical are the travel health insurance elements, because these have costs that could bankrupt a traveler. Yes, it is annoying to lose a bag, and compensation is nice. But, a $75k medical bill after a serious injury is something that can destroy a person’s financial well-being. Big risks need to be covered, in our opinion.

Domestic Expedia Trip Insurance

In order to highlight the benefits and protection that Expedia offers on its domestic plans, we ran a full quote. Our traveler is heading from San Francisco to New York, spending a week with friends before heading home.

Our flight has a total price of $460. Note that we are encouraged to buy Expedia Travel Insurance - after all, over 40,000 people have bought a policy in the last week.

Expedia recommends that we buy flight protection. They highlight the ‘Buy’ area of the screen. Expedia insists that we make a selection to protect our trip, or risk our funds.

This cheap Expedia Travel Insurance is only $33.

Expedia's Scary Language

Here is how the language is presented to a traveler.

Protect your flight (recommended) Avoid change fees. Protect your trip. Expedia Cancellation Plan

3 reasons you might need travel protection:

• Your ticket is non-refundable and you're too sick to travel
• You get injured and can't make your flight home
• Your traveling companion has a covered medical emergency and can't travel

Yes , I want Cancellation Protection for my trip to New York. 41,856 customers protected their flight in the last 7 days $33

No, I'm willing to risk my $460.38 trip.

Mary got $468 back when she cancelled her flight to ... Read more

Because we are naturally curious, we decided to read more. After all, it sounds as though ‘Mary’ can cancel her trip and get her money back. Well, actually she can only get compensation on this Expedia Travel Protection Plan for a tiny number of reasons.

When we expand the statement from ‘Mary’, we understand that she was only able to receive compensation for an unusually tragic reason:

Mary got $468 back when she cancelled her flight to care for her sick husband.

“I didn't know I would get a refund, thought I would get a credit with the same airline. It will make booking the trip easier, when my husband gets better.”

-Mary C., Gloucester, VA

Domestic Expedia Travel Insurance Benefit

Here is the exhaustive list of benefits that a traveler will get from this cheap Expedia Travel Insurance…

AIG Travel Guard Flight Cancellation Plan

SCHEDULE OF BENEFITS Maximum Limit Per Person

• Trip Cancellation - Trip Cost (up to a maximum of $100,000)
• Trip Interruption - up to 100% of Trip Cost (up to a maximum of $100,000)

As in, this nearly worthless policy has protection for cancellation and interruption only. That’s it. And, of course, the reasons that count as being covered are extreme.

It covers disabling injuries or illnesses that make travel impossible, as certified by a doctor. If you are hi-jacked or quarantined or called to jury duty. If you are made redundant.

Now, we recognize that these are risks worth protecting, but surely most of us would expect far higher levels of trip insurance cover? We have never seen a trip protection policy with so little useful cover for a traveler.

What is Missing from Domestic Expedia Travel Insurance?

Travel health insurance.

Most people associate travel insurance with health cover. This is as true for domestic travel as it is for international. Although many of us will have some type of health insurance, there are often restrictions if we travel away from our home state. We should be aware of any additional costs by using out-of-state medical facilities, or out-of-network costs.

Every single travel insurance policy that we offer through Cruise Insurance 101 has travel health insurance embedded in. It is standard – every travel insurer seems to offer this on their travel insurance policies. Travelers assume that health cover will be in any policy they buy. We can only assume that most travelers would not even think to check the Expedia Trip Protection policy document. If they did, we assume that they would be shocked by the lack of travel protection.

We cannot recommend Expedia Travel Insurance if it does not include this most basic of travel health insurance provisions.

Travel Evacuation Insurance

In the event that you get seriously injured or very ill, you will need to be moved to the nearest medical facility. The costs of this type of medical transfer can be very high. That’s why we expect to see it in any travel insurance plan. Again, we cannot understand why Expedia does not include it.

Vacation Cancellation Insurance

In the event that our employer cancels our work vacation, it would be great if travel insurance could support us. This type of protection is not available on all policies, but we see it on the more comprehensive plans that we offer.

Now, we think that these are pretty important basic trip insurance benefits. We like to see some, if not all of them, on plans that we promote. By far and away, the travel medical insurance and evacuation benefits are most important. These are the ones that offer the most financial protection.

The best Expedia Travel Insurance that you could find would have these policy elements included. Expedia does not include them. Its policy is incredibly weak. Look for better options, please.

Alternatives to Domestic Expedia Travel Insurance

Cruise Insurance 101 is a travel insurance marketplace. We make comparisons of travel insurance policies. We only work with the USA’s leading travel insurance providers.

Our insurers are licensed and regulated in all 50 US states and D.C. Every one of our insurance carriers has many different policy options for our travelers to choose from. Our carriers are happy to have their policies compared against those of their competitors. Every one of our Travel Insurance partners has an A.M. Best rating of at least an ‘A’.

Why is this important to an Expedia customer?

Expedia will only offer you one option for travel insurance. What they offer you is awful. So, instead of that, we offer you a dozen or so. We do not share your contact information with the insurance carriers. So, our insurance carriers give you binding insurance quotes, but do not then bombard you with marketing. Your quote is anonymous. You receive the best possible insurance rates available.

Best possible rates?

The price of each insurance we share with you is identical to the price if you went to each and every travel insurer directly.

So, rather than wasting an hour searching and comparing for our insurers directly, you can do it through us in a minute.

Here is what we found when we went to find travel insurance to compete against the awful Expedia Travel Insurance policy.

Here is the same trip that we ran through our system. It took less than one minute to generate the quote options. All details were passed to our Travel Insurance Carriers anonymously.

Here is what happens when travel insurance carriers get to compete with one another – the customer wins. Our customer was able to compare 17 different plans, with varying levels of cover and cost. As always, plans are shown with the least expensive first. There is no desire to oversell to a customer cover that they do not need. Travel insurance for seniors is available from all of our carriers. We have travelers in their late 90's still exploring the world, and doing so having compared travel insurance rates with us.

One plan immediately stands out – the IMG Travel Lite plan. It is one of our most popular trip insurance plans for international travel.

Note that at $35, this is $2 more than the expedia plan, yet, look at the powerful benefits available to a customer.

IMG Travel Lite

Standard Cancellation Benefit

• Covered Cancellation: 100% refund

Medical Benefits

• Medical Cover: Secondary
• Medical Sickness: $100,000
• Medical Evacuation: $500,000
• Free Look Period: 10 days

Extra Cancellation Benefit

• Cancel for Work Reason: 100% Refund
• Cancel for Any Reason: N/A
• Time-Sensitive Period: N/A

Pre-Existing Condition Benefit

• Look-Back Period: 60 days
• Waiver of Look-Back: No

A.M. Best Rating: A

Here is a cheap travel insurance policy for an Expedia customer, that has 20 times the level of Travel Medical Insurance cover, yet is just $2 more expensive than that which Expedia suggests to its customers.

If seeking a cheap plan which also contains a strong Pre-Existing Medical Condition Exclusion Waiver , the plan that stands out is the Cruise Insurance 101 recommended plan - the IMG Travel SE which has a massive $250,000 of medical cover, cancel for work reasons, and a pre-existing condition waiver added in for free if the plan is bought within 20 days of your initial trip payment. All this for just $40.

Remember that this Travel Insurance policy needs to be booked within 20 days of your initial trip deposit to qualify for the free Medical Waiver .

Cancel for Any Reason Travel Insurance

There are times when we would like the flexibility to cancel our trip without any reason at all and still receive compensation. This type of cover is known as Cancel for Any Reason Travel Insurance , and is embedded in only the most comprehensive of plans.

It is a really useful option for those people who are unsure if their plans will remain consistent, and want the option to cancel, and be compensated. We have long been advocates of the use of this cover to run what we call the Airline Ticket Hack .

Essentially, we book a non-refundable airline ticket. Then we add Cancel for Any Reason Travel Insurance. If we need to cancel the flight, we call in the insurance, and get a 75% refund. It’s the smartest way to get low cost, near-refundable tickets that we know of. We love it. Airlines hate it.

International Expedia Trip Insurance

As terrible as Expedia’s Travel Insurance is, its International Protection is actually worse. When traveling domestically, we may have medical cover from home that works for us on the road. If we do not buy domestic travel insurance we will have co-pays and out-of-pocket expenses, but hopefully this will only be thousands of dollars.

Now think about traveling internationally. A serious accident or illness can take us into hospital. International state-sponsored public health programs are not going to be available to us. We will need to pay the full cost of any medical treatment we receive. Our recommendation is to have at least $100k of medical cover when traveling internationally. With day rates at international private hospitals hitting $3k to $4k per day, any less seems to create too much financial risk.

When overseas, medical evacuation can be critically important as well. Here, we like to see $100k of cover if on a trip close to the USA, and $250k of cover if much further away.

International Expedia Travel Insurance – Example

We ran a quote for a flight from San Francisco to London, finding a trip that cost $865.

Again, at check-out Expedia encourages us to buy its flight insurance. We get slightly different language from them this time, because the trip insurance policy has changed.

Instead of an 'Expedia Flight Cancellation' plan, which we saw when traveling domestically, we get the 'Expedia Flight Total Protection Plan.' Now, that sounds comprehensive, doesn’t it? Anything that is called a ‘Total Protection Plan’ ought to be all-encompassing, you would think.

Taking a look, we see the following.

The same message that 2 million people buy Expedia Travel Insurance each year.

An overview of the benefits that ‘total protection’ buys us for $56.

Then we see a similar type of language to scare/nudge our traveler into buying this awful cover.

Yes, I want to add the Total Protection Plan to my trip to London. 27,912 customers protected their flight in the last 7 days $56

No, I'm willing to risk my $865.60 trip.

AIG Travel Guard Flight Total Protection Plan

• Baggage & Personal Effects - $1,000
• Accident Sickness Medical Expense - $5,000
• Emergency Evacuation - $15,000
• Repatriation of Remains - $15,000
• Flight Guard® - $50,000

Protect your flight (recommended)

Avoid change fees. Protect your trip. Expedia Cancellation Plan

Select Yes or No to continue booking

Now, there are a few more benefits on this Expedia ‘total protection’ policy than we saw for the domestic trip. But did you check the cover levels?

$15k for Emergency Evacuation? $5k for Medical Expense?

These cover levels are pathetic as stand-alone insurance levels. They are woefully inadequate unless you have a strong secondary insurance policy that can pick up the vast majority of the costs. These benefit levels are totally insufficient for most international travelers.

Cruise Insurance 101 International Travel Insurance Options

Once again we run the trip through our travel insurance marketplace. Again, we quickly get more than a dozen different travel insurance options for a traveler to choose from.

Again, for a plan that includes a waiver of pre-existing conditions, we would opt for the IMG ravel SE plan at $67. This is $11 more than the Expedia plan but again, look at the coverage for our traveler.

Review – International Expedia Travel Insurance $56 Cover versus IMG Travel SE

Img travel se - time-sensitive benefits.

• Cancel for Work Reason: 100% refund
• Pre-Existing Waiver: Yes
• Time-Sensitive Period: 20 days
• Pre-Existing Look-Back: 60 days

IMG Travel SE - Regular Benefits

• Medical Cover: Primary
• Medical Sickness: $250,000

International Expedia Travel Insurance - Time-Sensitive Benefits

• Cancel for Work Reason: 0% refund
• Free Look Period: 15 days

International Expedia Travel Insurance - Regular Benefits

• Medical Sickness: $5,000
• Evacuation: $15,000

There is an embarrassing lack of cover in the Expedia policy. Here are where we think the most obvious cover gaps are.

Work Cancellation

• IMG Travel SE – Yes
• Expedia Insurance – No

Travel Medical Insurance

• IMG Travel SE - $250k Cover
• Expedia Insurance - $5k. Expedia has incredibly weak protection.
• IMG Travel SE - $500k cover
• Expedia Insurance - $15k. Woefully limited cover from Expedia.

Travelers should always consider their options when searching for travel insurance. We consistently see International Expedia Travel Insurance as one of the most expensive in the USA with some of the worst cover. There will almost certainly be a better option with more cover and a lower price.

Cruise Insurance 101 – Compare & Save

Cruise Insurance 101 is a travel insurance marketplace. We get binding insurance quotes, anonymously, from all of our major travel insurance carriers. We provide simple comparison for travel insurance in less than a minute.

Does Cruise Insurance 101 Charge More?

In the USA, insurance is regulated with anti-discrimination protection in place.

Identical travel insurance policies must be sold at the same price. We cannot mark up a policy. We cannot discount a policy. No one can. We offer a fuller explanation here: Travel Insurance Comparison

What does this mean to me as a travel insurance customer? If you went to each of our travel insurance partners and ran quotes with every one of them, you would see the exact same price as we quote. We do not charge a cent more. All that we do is compare insurance plans within the market. You no longer need to jump from insurer to insurer. You will see the best rates for each trip insurance policy.

All we need is one minute of your time. Cruise Insurance 101 is the leading travel insurance marketplace in the USA.

Safe travels.

This article has been written for review purposes only and does not suggest sponsorship or endorsement of AARDY by the trademark owner.

Recent AARDY Travel Insurance Customer Reviews

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Melonie was so helpful and explained everything. This was so easy and I had been putting off getting cruise insurance from the fear that I would be on the phone for hours. Not the case.

Very efficient communication

Very efficient communication. Willing to accommodate my needs with a large group traveling together.

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Used and easy to compare travel….

Used and Easy to compare travel insurance prices and very thorough.

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What Is Expedia’s Travel Insurance Policy?

As much as we want our vacations to go according to plan — and many actually do — travel mishaps aren’t exactly uncommon. However, if you booked your trip with Expedia and took advantage of one of the company’s various travel insurance options, you won’t be left high and dry, figuring out solutions on your own. These plans are designed to protect you and your fellow travelers if something goes awry.

Insurance options include hotel, flight and vacation package coverage plans, each with different protection for the different aspects of your trip. Each insurance plan derives from a partnership between Expedia and Travel Guard insurance . Regardless of which type of plan you select, you can manage your trip, file claims (if necessary) and keep everything on track using Expedia’s accompanying online portal.

Basics of Expedia’s Travel Insurance Policy

Expedia partners with Travel Guard to provide travel protection services for your next vacation or any other trips you take. These services include flight insurance, hotel insurance, cruise insurance and even insurance for your entire vacation package. Expedia’s Package Protection Plan goes into effect once the company receives the appropriate plan payment.

Before choosing a plan, it’s important to browse through the descriptions and summaries of the different protection options to see what is covered and what isn’t. It won’t do you any good to pay for coverage you don’t need, and you also don’t want to risk any unpleasant surprises because you believe something is covered that isn’t.

You can access Expedia’s Customer Service Portal at any time after purchasing your insurance to change or manage your upcoming trip, check for government travel alerts and warnings, book a flight using airline credits, change the components in your vacation package and more. Expedia’s most current information is available through this portal.

Flight Insurance

Expedia has partnered with AIG’s Travel Guard to provide flight insurance via Flight Cancellation Plan and Flight Protection Plan insurance options. The Flight Cancellation Plan insures all domestic flights within the United States, except for Hawaii and Alaska. Under this insurance plan, you can expect to be reimbursed for the entire cost of your trip if you must cancel or shorten your trip for covered reasons. Each state has its own limitations and exclusions for residents.

The second flight insurance option is the Flight Protection Plan, which is available for all flights outside of the continental U.S., including Alaska and Hawaii. This plan includes everything you get in the Flight Cancellation Plan, plus additional benefits, such as medical assistance and coverage for any loss or theft as well as damage to your baggage or personal belongings. Accidental death is also covered under this plan.

To book flight insurance coverage, you can add the insurance to your flight during checkout or for a period up to 24 hours after your purchase. You can cancel the insurance before your trip for up to 15 days after you book the flight as long as you haven’t filed a claim. If you pay for the insurance at the same time as your flight and then cancel the flight online, your insurance purchase will also be canceled.

Hotel Insurance

Expedia also offers two Travel Guard hotel insurance options: Hotel Booking Protection (U.S. hotels only) and Hotel Booking Protection Plus (outside U.S.). The Hotel Booking Protection plan covers trip cancellation as well as trip interruption for up to the total cost of the trip. Trip delay coverage can be used if you experience a delay of six hours or more or if a delay causes you to miss a night of a hotel stay. Baggage delay insurance protection is also included in this insurance plan. If you need to cancel or shorten your trip due to covered reasons, you will be reimbursed for the total cost of your trip, up to a maximum of $3,000.

The Hotel Booking Protection Plus plan includes everything the Hotel Booking Protection plan offers along with expense coverage for accidents, sickness and certain medical conditions. You also have insurance protection in the event of an emergency evacuation. These extra coverages are only available when staying in hotels outside the U.S.

Cruise Insurance

Expedia’s Cruise Travel Protection plan covers you if your cruise is canceled or unavoidably delayed. It also provides coverage in the event of unforeseen medical expenses along with lost luggage. Make sure you read the terms carefully for limitations and exclusions.

Vacation Package Insurance

Through its partnership with Travel Guard, Expedia provides two vacation package travel insurance options: Package Protection Plan and Pre-Travel Vacation Waiver. With the Package Protection Plan , your coverage protects you when you must cancel for certain covered reasons. You also get insurance coverage for trip delays and interruptions as well as medical expenses you may incur after your departure.

Just as the name indicates, the Pre-Travel Vacation Waiver provides protection from certain costs before you travel but doesn’t provide any coverage on your trip. The waiver allows you to cancel or change your package reservation one time before your scheduled travel date without paying any fees to make these changes.

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Protect your cruise with the insurance 70 million+ Americans trust

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Travel Insurance for Cruises

When experienced cruisers are about to set sail, they choose Allianz Travel Insurance to protect their cruise. Why? Because when you’re at sea, small mishaps quickly become major problems. Travel insurance can help make things right.

If the ship sails without you because your flight to Miami was delayed, travel delay benefits can help you catch up. If you break your leg and have to cancel your trip, the cruise line won't reimburse you—but travel insurance can. And if you suffer a medical crisis on board, travel insurance can cover your evacuation and emergency medical care.

Here’s the best part: Allianz Travel Insurance is much more than cruise travel insurance. Our plans can protect your flights, hotel stays, cruise excursions, and just about any other kind of travel. Learn about the options and insure your next cruise, so you can leave your worries at the dock.

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

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

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Call us today, remember to protect yourself with travel insurance.

Vacations are often few and far between; don’t put yourself at risk on your next getaway by not traveling prepared with travel insurance. With travel insurance you will be traveling protected at all times should any unexpected event occur. Regardless of the country you’re visiting you will be confident knowing you are prepared and only a phone call away from multilingual support should you require it.

Travel plans can be impacted by a variety of unfortunate events including transportation cancellations, medical emergencies, natural disasters, or even a last minute incident or loss on your home turf. With travel insurance, you will have coverage for nearly anything that might put a damper on your vacation. Sometimes, medical emergencies can occur while you’re on vacation. By protecting yourself with travel insurance you don’t have to let it ruin your holiday. Receive reliable care and have peace of mind knowing you’re in good hands in a foreign country. Unexpected events like cancellations, delays, stolen documents, lost luggage, among others can quickly make an exciting adventure into a nightmare when travelling without insurance. Be sure to protect yourself before embarking on your next getaway and rest assured that you’re covered from every angle.

Be prepared for any of the following situations by purchasing travel insurance.

• Severe weather resulting in cancelled or delayed travel
• Lost medication or baggage
• Stolen passport or wallet
• You’re in an accident and require medical treatment
• Family illness requiring cancellation of trip
• Your travel operator goes bankrupt
• Medical emergencies
• Natural disasters in your destination

Purchase Travel Insurance Today

No matter what type of vacation you are taking, we can put together a travel insurance plan that is right for you. Contact us today for a free consultation to determine what insurance you require to be protected.

Our Promise

At Expedia Cruises, we are navigators of spectacular vacation experiences. As part of the number one brand in travel, this is our promise to you:

Advice you can trust.

The best choice and prices., expedia extras., more than cruises., always there., find an expedia cruises near you.

Should You Buy Travel Insurance Before Taking a Cruise?

W hen you book most forms of travel these days, you're often asked if you'd like to purchase travel insurance. Different airlines, cruise ships, and hotel brands might have different names for this, such as "vacation protection," but these are optional products that are designed to make sure that if something goes wrong, you aren't on the hook financially.

To be fair, I typically decline travel insurance for flying. Since all of the major airlines allow you to change your flight for free, if I get sick and can't travel, I simply use the value of my ticket toward a future flight.

However, cruises are a different situation. Not only could you potentially get sick and miss the cruise altogether, but there are other things that could go wrong. What if you get so sick on board that you need to be medically evacuated back to the U.S.? What if severe weather in your hometown prevents you from getting to the cruise port?

With these and other potential scenarios in mind, here's what you need to know about buying travel insurance for a cruise and whether it's a good idea.

What does travel insurance cover?

Travel insurance is a type of insurance policy underwritten by an insurance company (not by the cruise line or airline itself). While the exact coverage can vary, here are some of the things it will typically cover on a cruise:

Read more: check out our picks for the best car insurance companies

• Trip cancellation protection
• Trip interruption coverage in case you need to come home early
• Baggage insurance to cover loss, damage, or theft
• Baggage delay protection, which reimburses for essential items while you wait for delayed luggage
• Medical coverage (Note: U.S. health insurance typically doesn't apply when on a cruise ship or when traveling internationally.)
• Evacuation protection, in case you need to be medically evacuated back to the U.S. while traveling

In addition, the protection plans offered directly through the cruise lines might have additional benefits. For example, Carnival's Vacation Protection provides travel insurance underwritten by Nationwide, but also makes it easier to get a refund if you need to cancel.

Not only does it refund 100% of your trip's cost if you need to cancel for a covered reason like weather or illness, but you can cancel for any reason whatsoever and get 75% of your money back (you usually can't get a refund at all once the final payment date has passed).

Different options to consider

For travel insurance, there are two main options: You can buy single trip coverage (this is what the cruise lines and airlines offer) that will protect you on one specific vacation. Or you can buy an annual travel insurance policy directly from an insurance company. For example, Allianz is a major travel insurance provider, and in full disclosure, I have a policy for myself and my family through them.

If you travel more than once or twice per year, especially on cruises, it's worth comparing the costs, as an annual travel insurance policy can often be more budget-friendly (and often provides better coverage). On the other hand, if you're taking a once-in-a-lifetime trip, simply buying protection through the cruise line can be a better way to go.

It's also worth noting that some travel credit cards have their own travel protections. They can provide their own trip cancellation insurance, trip interruption and delay coverage, baggage insurance, and a few other benefits if you use your card to pay for the trip. They may not, however, provide the medical and evacuation coverages that are highly important while cruising, so be sure to research all the details ahead of time.

Make sure you're protected one way or another

The bottom line is that when taking a cruise, it's highly advisable to make sure you have some sort of travel protection, especially for medical emergencies. The best choice for you depends on how often you plan to cruise, as frequent cruisers can typically save money by purchasing an annual travel insurance policy. But if you aren't sure, it can be a smart idea to compare the costs before deciding.

Our best car insurance companies for 2024

Ready to shop for car insurance? Whether you’re focused on price, claims handling, or customer service, we've researched insurers nationwide to provide our best-in-class picks for car insurance coverage. Read our free expert review  today to get started.

We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.American Express is an advertising partner of The Ascent, a Motley Fool company. Matt Frankel has positions in American Express. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy .

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Table of Contents

When it comes to Expedia prices

When it comes to expedia travel insurance, when it comes to the expedia cancellation policy, when it comes to the expedia loyalty program, when it comes to maximizing credit card points, the pros and cons of expedia recapped.

Frequent travelers likely know that there’s something better than a dream trip: a dream trip that you booked on a bargain.

The ways to save money on travel are plentiful. You can redeem hotels and airline points, or take advantage of last-minute travel deals, to name a few. And booking through third-party online travel agencies like Expedia can sometimes yield especially big savings.

Beyond just deals, Expedia has robust search filters that make finding your perfect vacation easy. It streamlines purchasing trip insurance , which can be especially important for travel these days. Plus, the Expedia Rewards program earns you points to pay for future bookings.

But booking through an OTA like Expedia is not without its drawbacks. Here's a look at some of those to help you weigh the pros and cons of booking travel through Expedia.

Pro: Expedia has frequent sales, last-minute travel deals and bundle discounts

Expedia deals are aplenty, whether it’s a bundling discount or a sale.

Bundling: A major component of booking travel on Expedia is the practice of bundling, where you can expect additional savings for booking more than one product (e.g., flight and hotel, or hotel and attraction ticket) in one transaction. For example, when we searched for a hotel and rental car in Miami, one five-day booking option included up to three free rental car days while another offered one free night.

A perk of booking travel through Expedia is that you select your hotel, airfare and car rental in separate steps in the process. This makes it easy to bookmark the page and compare the cost of these items on Expedia versus the cost on the company’s direct website.

Expedia payment plans: If you don’t want to pay for your whole trip at the time of booking, Expedia allows you to make smaller payments through Affirm, which is a service that offers short-term loans for online purchases. If approved by Affirm , you’ll be able to pay for your trip in monthly installments.

You can also check Expedia’s Deals page and Expedia’s Last-Minute Deals page . Both tend to offer an eclectic mix of travel deals, ranging from cheap motels in tiny towns to lavish resorts in major tourist destinations. We’ve spotted deals as high as 70% off.

» Learn more: How to find cheaper last-minute flights

Con: Booking direct is sometimes still cheaper than Expedia

Sure, Expedia sales and last-minute deals are nice, but that’s not to say that you can’t find other (sometimes better) deals for booking directly with the travel provider. Many offer their own exclusive deals — and they might save you even more than booking with online travel agencies. Compare prices across both Expedia and the specific company to ensure you’re getting the best price.

And sometimes the savings go beyond just the sticker price. For example, boutique hotel chain Ovolo Hotels offers generous amenities including free laundry, happy hour refreshments and a daily breakfast buffet — but only if you book directly with them.

» Learn more: Is Expedia legit? Can it get me a good deal?

Pro: You can purchase an Expedia travel insurance policy

Expedia partners with various insurance providers, depending on your individual booking, to offer trip protection.

F or flights: Expedia offers travel insurance protection options that cover flight cancellation, medical emergencies and other covered circumstances.

For hotels: Choose hotel booking protection to reimburse your stay in the case of cancellation.

For car rentals: You can add car rental damage protection for an extra per-day fee.

Coverage varies by plan, but you can typically expect reimbursement for some (or all) trip costs if your trip is impacted by covered reasons. Covered reasons typically include delays, loss, theft or damage to one’s baggage and personal belongings. You’re also typically reimbursed for covered medical expenses, including emergency evacuation if you get sick or injured during your trip.

But there are many limitations and exclusions, so read your policy’s fine print to understand what’s covered.

Expedia 24-hour cancellation

When you book a flight on Expedia, you can cancel for a full refund as long as you do so within 24 hours of booking. The U.S. Department of Transportation requires airlines to allow you to cancel a flight for a full refund if canceled within 24 hours of booking and it was booked seven days before departure.

Con: Outside travel insurance might be more comprehensive or cheaper (and sometimes free)

You can opt out of Expedia’s travel insurance and either be completely uninsured — or simply acquire your insurance elsewhere. And there are better travel insurance policies out there.

After a comprehensive review of dozens of plans that assessed factors including price and COVID-19 coverage, here are the best travel insurance policies .

What’s more, you might not even need to pay for travel insurance at all. Many credit cards offer travel insurance benefits if you paid for your trip with that card.

Pro: Expedia offers some fully refundable options

Because airlines, hotels and other travel services set their own individual policies on Expedia, change and cancellation policies can vary significantly. While it can be tricky to parse the policies for each individual property, use Expedia’s “fully refundable” search filter to limit potential bookings to those with flexible policies.

For straightforward requests, use the Expedia service page to make changes and get a refund. If you’re unable to get help through Expedia’s self-service tools, other ways to get in touch with Expedia include live chat, a dedicated Twitter account ( @expediahelp ) and a phone line.

Con: Most cancellation policies are bad, confusing or both

Because airlines are required to give full refunds if you cancel within 24 hours of booking, Expedia lets you change or cancel your flight reservation without fees within the same time period.

For everything else, good luck. Because each travel provider sets its own policies, navigating them can be a headache. In some cases, canceling through Expedia means you’ll have to chase after the hotel or activity provider to recoup the costs.

Additionally, prepare for cancellation fees (both Expedia’s own fees as well as fees from the service provider). That’s if you’re able to cancel at all. Some bookings through Expedia are nonrefundable altogether.

Pro: It’s great for commitment-phobes

The new Expedia Rewards program, One Key Rewards, lets you earn OneKeyCash for every booking you make on the platform (plus on Vrbo and Hotels.com), which can then be used like cash toward future trips. Not only that, but Expedia users can earn status, which includes benefits like exclusive members-only discounts and extra benefits at VIP Access properties (such as free breakfast or late checkout).

For travelers who don’t like to commit to one airline or hotel company, don’t travel that frequently, or who book travel that otherwise doesn’t have its own loyalty program (like a tour or vacation rental), Expedia makes it possible to still get rewarded.

» Learn more: The guide to One Key Rewards

Con: Most hotel and airline loyalty programs are far more rewarding

While the One Key Rewards program is fine, most travel loyalty programs tied to specific hotels or airlines are almost always more rewarding. For individual point values, most other currencies of airline and hotel points are worth far more than OneKeyCash, which nets you 2% back on cruise, hotel, activity and rental car bookings but only .2% on flights. Once it's in your account, you can use it to pay for bookings just like you would cash — though you’ll need enough OneKeyCash in your account to pay for an entire flight, not just part of it.

Additionally, holding specific airline or hotel elite status is typically more lucrative than the value of elite status on One Key Rewards as most perks extend to Expedia VIP Access properties only. That said, some elite members can enjoy up to 20% discounts on hotels and free price drop protection on flights, which is a plus.

As for how to use Expedia points, OneKeyCash can be redeemed on “pay now” bookings for participating purchases priced in U.S. dollars. You can use it to pay for part of a hotel booking, but you’ll have to have enough to pay for the full cost of a flight (including taxes and fees). And while you can’t transfer rewards, you can use your OneKeyCash to book travel for others.

But depending what status you’re able to reach with individual brand loyalty programs, you can likely expect better perks. So if you’re fine committing to one brand, you’re almost always better off striving to earn its status versus with One Key Rewards. But if you only stay for a night here or there or prefer to book based on location or price, it’s a way to earn a few more rewards.

Pro: Expedia counts as a travel purchase

Many travel rewards credit cards give you a higher rewards rate on travel purchases, and booking sites like Expedia typically count as travel spending. For example, the Chase Sapphire Preferred® Card earns 2 points per dollar on travel spending, compared with 1 point per dollar on most purchases.

Con: Travel credit cards are usually better for earning and redeeming rewards

If you’re loyal to a specific hotel or airline brand — or are open to pledging allegiance — credit cards aligned with those brands typically pay more on purchases directly from the brand partner. For example:

on American Express' website

on Chase's website

• 2 miles per $1 spent on Delta purchases.

Terms apply.

• 2 miles per $1 spent on United purchases.

• 12 points per $1 spent on eligible Hilton purchases.

• 6 points per $1 spent at participating Marriott Bonvoy hotels.

• 1 mile per $1 spent.

• 3 points per $1 spent.

• 2 points per $1 spent.

Even general-purpose travel rewards cards that aren't tied to a specific airline or hotel chain will often reward you more handsomely for booking through their own portals than they would for going through a site like Expedia. Going back to the Chase Sapphire Preferred® Card : As mentioned, it earns 2 points per dollar on most travel purchases — but 5 points per dollar on travel booked through the Chase portal . Among general-purpose travel cards:

• 5 miles per $1 on hotels and car rentals booked through Capital One Travel.

• 2 miles per $1 on other purchases.

• 5 points per $1 spent on travel booked through Chase.

• 10 points per $1 spent on hotels and rental cars booked through Chase.

• 5 points per $1 on air travel booked through Chase.

• 5 points per $1 spent on flights booked directly with airlines or with American Express Travel, on up to $500,000 spent per year.

• 5 points per $1 on prepaid hotels booked with American Express Travel.

• 2 miles per $1 spent.

• 1 point per $1 spent.

If you're considering booking with other online travel agencies like Priceline or Hotels.com, here are the best credit cards for online travel booking websites .

With the right deal, booking travel — including flights, hotels, cruises or car rentals — on Expedia could be worth it. It makes searching for travel relatively easy given the massive array of available listings, coupled with thoughtful search functionality to actually help you create your ideal itinerary.

But don’t automatically assume it’s a cheap way to book travel. Especially given the complicated cancellation policies, it might become among the most expensive, should an uninsured trip need to be canceled.

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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

60,000 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℠.

1.5%-6.5% Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

$300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

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

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

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

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

Cheapest travel insurance of 2024

Why trust our travel insurance experts

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

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

Best cheap travel insurance

Top-scoring plans

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

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

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

Pros and cons

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

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

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

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

Best cheap travel insurance for families

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

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

Best cheap travel insurance for seniors

Evacuation limit per person

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

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

Best cheap travel insurance for add-on options

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

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

Best cheap travel insurance for missed connections

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

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

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

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

Factors that determine travel insurance cost

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

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

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

Is buying the cheapest travel insurance a good idea?

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

For example, compare these two Travelex travel insurance plans:

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

Reasons to consider paying more for travel insurance 

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

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

How to find the cheapest travel insurance

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

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

Consider the following factors when comparing cheap travel insurance plans.

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

Is cheap travel insurance worth it?

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

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

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

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

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

Methodology

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

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

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

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

Cheapest travel insurance FAQs

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

Get the coverage you need: Best travel insurance of 2024

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

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

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

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

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

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

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

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

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

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

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

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

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

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