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Is Costco Travel Insurance Worth It? A Detailed Review

Travel insurance can provide valuable protection when you’re on vacation. If something goes wrong, like a canceled flight or medical emergency, insurance helps cover your costs. But is Costco’s travel insurance worth buying?

Costco offers travel insurance policies throughCover-More, a division of Zurich Insurance Group. Policies are available for international trips, cruises, domestic U.S. vacations and rental cars.

Here’s what to know about Costco travel insurance and whether it’s worth it for your next vacation.

What Does Costco Travel Insurance Cover?

Costco offers a few different travel insurance options based on your trip type:

International travel: Covers vacations outside the U.S. Offers the highest coverage limits.

Cruise vacations: Protects the entire cruise vacation, not just time on the ship.

Domestic U.S. trips: For vacations within the United States. Lower coverage limits than international policies.

Rental cars: Primary insurance for rental vehicles to replace expensive rental company options.

The main coverages are similar across plans and include:

Trip cancellation: Up to 100% of trip costs if you have to cancel for a covered reason.

Trip interruption: Up to 150% of trip cost to get home if you have to cut your trip short.

Travel delay: Reimburses expenses like hotels and meals if your travel is delayed.

Baggage: Covers lost, damaged and stolen luggage. International and cruise plans offer higher limits.

Medical: Emergency medical and dental care if you’re injured or get sick on your trip.

Evacuation: Transportation to get you to adequate medical facilities in a medical emergency.

Some benefits are upgraded for international and cruise vacations like missed connections coverage. Rental car protection has more limited benefits focused just on the vehicle itself.

You can also add on cancel for any reason coverage and increased rental car damage coverage for extra fees.

How Much Does Costco Travel Insurance Cost?

Costco travel insurance rates are based on:

Trip cost: The dollar amount of your prepaid, nonrefundable trip.

Trip length: Longer trips may have higher premiums.

Destination: International trips often cost more than domestic.

Upgrade options: Cancel for any reason or rental car damage upgrades raise the price.

Here are some examples of Costco travel insurance cost:

7-day domestic trip costing $6,000: $270
10-day Spain trip costing $6,000: $300
30-day rental car: $170

In most cases, expect to pay about 4% to 10% of your total nonrefundable trip cost. Upgrading your policy raises the percentage.

Costco’s website makes it easy to get quotes. Just enter your trip details to see exact pricing. Members can buy policies online without contacting an agent.

Pros of Costco Travel Insurance

High coverage limits: Maximum coverages go up to $200,000 for medical care and $1 million for emergency evacuation.

Cancel for any reason upgrade: Unique upgrade reimburses 50% of trip costs if you cancel more than 48 hours before departure.

Easy online purchase: Quote and buy policies completely online without phone calls.

Good value: Competitive pricing compared to plans from other insurance providers.

Strong backing: Zurich Insurance Group backing provides security and stellar financial ratings.

Cons of Costco Travel Insurance

Pre-existing condition exclusion: Typical for travel insurance, but still problematic for travelers with health issues.

High-risk activities excluded: No coverage for things like scuba diving, mountain climbing or amateur racing.

Weather exclusions: Natural disasters like hurricanes often have special exclusions.

Rental car restrictions: Daily limits and excluded car models apply to rental coverage.

Limited plan options: Only one set of benefits and coverage amounts for each trip type.

What Credit CardsCover

Before buying a Costco policy, check what your credit card covers. Many travel credit cards include some protections:

Trip cancellation/interruption insurance
Baggage delay or loss coverage
Rental car damage coverage
Travel accident insurance

But credit card protections typically have lower limits, like $1,000 or $2,000. Costco travel insurance offers more robust coverage.

For a big trip or cruise, Costco insurance works well in addition to credit cards. Use the card’s coverage first, then Costco for anything else.

What’s Not Covered by Costco Travel Insurance

Like most insurance policies, Costco travel insurance excludes some things:

Pre-existing medical conditions: Unless you qualify for a waiver when you buy coverage shortly after your first trip payment.

High-risk activities: No coverage for things like extreme sports, racing or stunt flying.

Intentional acts: Injuries or illnesses caused by things like drug use or self-harm.

Natural disasters: Hurricanes, earthquakes and other major weather or events known when you purchase coverage.

Refundable reservations: Anything you can cancel for a full cash refund.

War: Injury or loss due to declared or undeclared war or civil unrest.

Pay attention to exclusions when choosing a travel insurance policy and reading the full terms.

Is Costco Travel Insurance Worth It?

Costco travel insurance can be worth it for the right kind of traveler and trip.

Good for big, expensive vacations: Policies with high coverage limits protect costly trips. Good for cruises, exotic locations or extended travel.

Nice upgrade over credit cards: More robust benefits than even the best travel credit cards. The cancel for any reason upgrade is hard to find.

Peace of mind for worriers: Comprehensive coverage lets anxious travelers relax. Insurance can seem worth it for the trip protection.

Not worth it for everyday trips: Lower cost domestic travel may not need big coverage limits or extra insurance cost. Credit cards work fine.

Is Costco Travel Insurance Right for You?

Think about your upcoming trip and how you handle travel risks. Ask yourself:

How expensive is this vacation? Higher cost trips get more value from insurance.

How worried will I be about potential issues? More nervous travelers appreciate the peace of mind.

Does my credit card already cover some risks like baggage or rental cars? If so, a big policy may not be necessary.

Are we doing risky activities excluded by insurance? Consider passing if you’ll have coverage gaps.

For many frequent travelers going on higher cost trips, Costco insurance can definitely be worth considering. It provides solid protection that goes beyond most credit card coverage. Just be sure to understand what is and isn’t covered before making your purchase.

The Bottom Line

Costco travel insurance provides good value at reasonable prices for members. For international vacations, cruises, and other big trips, it’s worth considering to supplement credit card protections. Make sure to evaluate your trip, risk factors, and existing coverage when deciding if you should buy a policy.

For the right person and the right vacation, Costco insurance can give useful trip coverage and peace of mind. Just know what you’re buying and make sure it fits your needs.

Costco Travel Insurance Review: Analyzing the Pros and Cons of Costco’s Travel Insurance Policy

What travel insurance company does Costco use?

Is Costco a good place to buy insurance?

What is the benefit of booking with Costco Travel?

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Trip Insurance - Costco Travel Guard? - Hawaii Forum

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Trip Insurance - Costco Travel Guard?

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So far the best price is through Travel Guard - the policy through Costco. I went into a AAA office today and asked about trip insurance and the agent I spoke with told me that the Costco trip insurance is "horrible" and she has had to fight to get claims covered with them, and that the Allianz policies are much better. Our package price through AAA would be about 15% more for similar coverage.

Another question - do you think the "cancel for any reason" is worth it? Looks like Costco trips are 80% refundable through up to 2 weeks before the hotel stay.

What exactly are you trying to insure ?

You are wise to buy trip insurance. I always do ... and I have actually had claims a couple times: emergency surgery ... and an ear-infection.

"The trip insurance pricing for them is quite high as they are in their 80s." Yes, the prices increase with age.

So, I highly recommend TravelGuard, and they are easy to buy on-line. The AAA employee was probably just bad-mouthing TravelGuard to make a commission on Allianz. But overall, either is fine - IMHO.

BLBL - if everything is ever cancellable, refundable or reschedulable, what is the need or use to pay a ridiculous amount of money for insurance ?

You know those people make giant profits for a reason don't you ?

Thanks that is what my husband said about the AAA lady. I think I will go with Travel Guard.

placebets ... I have never, ever ... paid "a ridiculous amount of money for insurance." And once you have had to use it ... you realize how very quickly it pays for itself.

And cruises are a completely different animal. No refunds there!

And, I bet if you insure every trip you take, then there is no way "how fast it will pay for itself"

I have taken hundreds, if not thousands of trips and if I had bought travel insurance on every one of them I would be out thousands if not 10's of thousands of dollars. And yes they make a ton of money on travel insurance !

First rule of thumb of insurance....only insure something that you can not self insure ! I bet you can easily self insure your trips !

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Does it have medical outside the US ?

Medivac and repatriation ?

Hospitalization and care ?

Cruising coverage is a bit different than a fly drive travel experience.

You can also see different plans at http://www.insuremytrip.com

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Travel Insurance

You have spent a lot of time planning and saving for your upcoming vacation. Your departure date will be here before you know it. However, we all know things don’t always go according to plan. What would you do if something unexpected happened before or during your trip? For instance, your flight is canceled or delayed, you experience a medical emergency, or your baggage is lost during transit?

Travel insurance can help provide a much-needed safety net if:

You or a family member get sick the day before your departure, and you cannot travel - Opens a dialog
You have a medical emergency while on your trip
You arrive at your destination, but your bags do not
You miss your plane due to a car accident on the way to the airport

These things and more can happen and a travel insurance plan can provide valuable benefits that help cover expenses when they do.

Travel with confidence knowing that your travel insurance also provides 24/7 travel and emergency assistance. You can relax and enjoy your vacation knowing that help is just a phone call away should you need assistance 1-844-246-8470.

Don’t let an unexpected event interfere with your vacation; let a travel insurance plan help protect you against the unexpected.

Please Note: To be eligible for the waiver of pre-existing medical condition exclusion, the protection plan must be purchased within 21 days from the time you make your initial trip payment. The full coverage terms and details, including limitations and exclusions, are contained in the insurance policy. For details: https://47-0351.covermore.com

Click Here to Get a Quote Now on Travel Insurance

Travel Insurance is offered and provided by Cover-More Inc., a company of Zurich, as made available through CWC Travel Inc., for Costco Travel. Plans are not available to residents of New York at this time. The product descriptions provided here are only brief summaries. The full coverage terms and details, including limitations and exclusions are contained in the insurance Policy. Cover-More Inc. CA Agency License #0N13321. Insurance coverage underwritten by individual member companies of Zurich in North America, including Zurich American Insurance Company (NAIC #16535).

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Everything you need to know about Costco Travel — and why I love it for saving money

Costco isn't just the place where you can buy toilet paper in bulk, inexpensive gas, cheap hot dogs and gift cards. You can also book great trips via the company's online travel agency, Costco Travel.

I know, I know: At TPG, we're often staunchly against booking travel through third-party sites , as there can be tradeoffs versus booking directly. But in recent years, I've become a big fan of the travel deals I can find via Costco Travel.

When planning our annual beach trip back in 2022, my best friend found a few options for Mexican all-inclusive resorts on Costco Travel and shared the links with me. I promptly told her we'd probably be better off booking directly and brushed off the idea of booking through Costco — neither of us even had a membership at the time.

However, comparing the prices and benefits at a few of the resorts proved my initial reaction wrong.

I actually got a Costco membership to book the deal since the cost of the membership was less than what we'd save by booking through Costco. We saved around $300 on a three-night stay at TRS Coral near Cancun (one of TPG's best all-inclusive resorts in Cancun ), not including the free hydrotherapy spa circuit and the $241 Digital Costco Shop Card included in the package.

View this post on Instagram A post shared by Madison Blancaflor (@madison_ave18)

Our stay was fantastic, and I officially became a Costco Travel convert.

If you're curious about how to use Costco Travel to find deals, here's everything you need to know about Costco Travel — and why I love it for saving money on travel.

What is Costco Travel?

All Costco members have access to the Costco Travel booking platform, where you can find and book a wide range of travel — from vacation packages to hotels, cruises and rental cars. You can even book theme park vacation packages to Disney and Universal or specialty vacations such as an African safari.

Related: Costco cruise deals: How to save money booking travel at a warehouse club

Once you log in to Costco Travel, you can search for specific dates or destinations or browse through available deals and featured destinations. I personally love perusing the limited-time deals when I know I want to plan a getaway but don't have a specific destination in mind.

Trips booked through Costco Travel are often discounted and/or include perks and benefits you may not get by booking directly or through other booking portals. Usually, a trip booked through Costco Travel will also include a Digital Costco Shop Card (essentially a type of Costco gift card) of varying value.

What travel can you book through Costco Travel?

You can book hotels, cruises, rental cars and vacation packages through Costco Travel. Vacation packages range from hotel-only offers to all-encompassing packages that include airfare, hotel stays and rental cars. You can even build your own package.

However, one thing to note is that you can't book stand-alone flights via Costco Travel. There is an option to book flights through some vacation packages, but if you're only looking for airfare, you'll want to head to Google Flights to check out your options and book.

You can book Costco Travel offers both online and by phone.

Do you have to be a Costco member to use Costco Travel?

Yes. Costco Travel is an exclusive service for Costco members.

There are two personal membership levels: Gold Star and Executive. Gold Star costs $60 per year, while an Executive membership costs $120. The basic membership will give you access to all of Costco's services, including Costco Travel, while the Executive membership also comes with a 2% reward on all Costco (and Costco Travel) purchases.

I've found that the Costco Travel deals alone are worth paying the $60 Gold Star annual membership fee, even though I don't regularly use Costco for my grocery store runs.

Check sites like Groupon for discount Costco memberships, as you can sometimes save on that rate — or get an included gift card that helps offset the cost.

Is Costo Travel worth it?

Costco Travel has its pros and cons, but there are definitely times when it's worth it.

For example, let's look at a five-night stay in Maui in early April. At the time of writing, Costco is currently offering a hotel and rental car package for Hotel Wailea, a Relais & Chateaux affiliated property and one of TPG's favorite Maui hotels .

Here's one cost comparison breakdown of Costco Travel's deal versus booking directly:

Even without including the additional benefits, you're already saving more than $400 via the Costco deal. Add in the value you get from the card, daily breakfast and resort credit (which is more than $1,000 in value if you maximize all benefits), and you're looking at $1,442.45 in savings by booking through Costco Travel versus directly.

And since Hotel Wailea isn't a member of any major hotel loyalty program, booking through Costco Travel wouldn't mean missing out on elite night credits or other loyalty program benefits.

Here's another example — this time for a Universal Orlando theme park trip from June 4-6 for one adult and two children from Houston. The total cost when booking each part (hotel, tickets and airfare) individually came to $2,701.35, while booking it as a package via Costco saved just over $300.

That's a fair amount of savings you could use for some frozen butterbeer or even a new wand inside the Wizarding World of Harry Potter .

When is Costco Travel not worth it?

Not every offer on Costco is worth booking.

For one, you won't necessarily find the same availability on Costco Travel. For example, flights booked through Costco may have some seats blocked off, and certain dates for hotel stays may be unavailable. Additionally, not all rental car companies are bookable through Costco Travel (such as Hertz*, which is my preferred rental car company due to the perks I get through my Capital One Venture X Rewards Credit Card ).

Plus, some hotel stays have a minimum stay requirement. If you're on the hunt for a long weekend getaway, you may not be able to take advantage of some Costco Travel deals.

Even when you do find availability, you should always price-check what you can find by booking directly or through your credit card travel portal and hotel programs.

After booking our fantastic stay at TRS Coral just north of Cancun through Costco, I looked at booking through Costco again in 2023 when planning our annual beach vacation.

While Costco had a deal available for the same resort, we happened to be booking when the resort chain was having a Mother's Day sale for anyone booking directly. We were able to try out a new TRS resort closer to Playa Del Carmen, TRS Yucatan; we saved more than $100 on an even nicer suite than Costco Travel offered by booking directly (even when considering the Digital Shop Card we would have gotten by booking with Costco).

Something else to consider when booking hotels through Costco Travel is loyalty program rewards and elite status. There are a lot of hotels available to book through Costco Travel that are part of major loyalty programs, from Hyatt Honors to Marriott Bonvoy to IHG One Rewards and more. But booking through Costco Travel — just like booking through most other third-party services such as Expedia — means you likely won't earn loyalty rewards, elite night credits or have any elite night benefits honored.

You'll also have to use Costco customer service if you run into any issues rather than going directly to the brand. This is especially important when considering booking a vacation package that includes flights, given the higher potential for delays or cancellations.

Why I love Costco Travel

I am typically a staunch proponent of booking directly, but Costco Travel is an exception. I've found that the benefits I can get by booking some trips via Costco outweigh the cons (some of which include having to go through Costco for any customer service help or occasionally losing out on elite night credits).

Digital Costco Shop Cards

My favorite thing about booking trips through Costco Travel is the Digital Costco Shop Card I get after booking. The card's value varies from trip to trip (generally depending on how expensive the package you book), but you can get hundreds of dollars back to use at Costco.

The Digital Costco Shop Cards can be used for Costco warehouse purchases (a game changer with grocery prices so high due to inflation), but you can also use them toward future Costco Travel bookings. And remember — Costco doesn't just carry bulk grocery items. You could use a Digital Costco Shop Card to buy a new flat-screen TV for movie nights and game days, a new outdoor patio setup ahead of summer or even Costco Pharmacy prescriptions.

I admittedly don't use Costco for groceries often (buying in bulk doesn't make a lot of sense for someone who lives alone), but I have used shop cards to help pay for Christmas presents and future Costco Travel trips. I've actually been looking into using my most recent Digital Costco Shop Card on a new pair of AirPods and a new TV mount for my living room.

Deals on non-points hotel stays and all-inclusive resorts

When I'm looking at booking a hotel stay at a brand like Hyatt or Marriott, I generally choose to book directly in order to earn elite night credits and points. However, when looking at properties not part of a major loyalty program, Costco Travel is often a go-to anytime I can find a deal.

Costco Travel has a nice deals section, and I usually look there first if I'm not sold on a specific destination for a getaway. While deals found on Costco generally have a narrow booking window, I've found that many offer a lot of flexibility for the actual trip dates.

A few examples of limited-time deals for January include Hotel Wailea from the example earlier in this guide, all-inclusive resorts in Mexico's Riviera Maya, and Disney and Universal theme park packages.

Simplifying group vacations

I'm often the travel planner in my friend group (which makes sense, considering what I do for a living), but not everyone is an avid points and miles user like myself. For group trips where we're splitting the cost of hotel rooms among multiple people, it often doesn't make sense to use points and miles to book.

Costco Travel vacation packages offer a way for all of us to save money, and it makes narrowing down potential destinations and hotels easier. Rather than everyone having to spend hours researching ideas and prices from across the internet — which might be my idea of a fun Wednesday night but isn't for some of my friends — I typically just send them to Costco Travel to see if any of the featured deals catch their eye.

Having reservation information for multiple aspects of a trip, such as a hotel and rental car package, makes sharing and saving the itineraries a breeze.

Bottom line

Whether or not you currently have a Costco membership, you shouldn't dismiss Costco Travel as just another online travel agency.

If you know where to look and are willing to price-check the deals you find, you can save a lot of money with Costco Travel deals. I've personally had a lot of success booking friends getaways to popular destinations like Mexico through Costco. Using the service has helped me save on other expenses with the Digital Costco Shop Card I've gotten with my bookings.

For me, the $60 annual membership fee to Costco has been more than worth it to utilize Costco Travel.

*Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at upgraded status level through Dec. 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.

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Does it have medical outside the US ?

Medivac and repatriation ?

Hospitalization and care ?

Cruising coverage is a bit different than a fly drive travel experience.

You can also see different plans at http://www.insuremytrip.com

*FREE* 5 day/4 night cruise? 7:54 am
Princess cruises drinks…. 7:49 am
Paul Gaugin Tahiti Cruise 5:53 am
St Maarten 5:31 am
P&O Sign in/App 4:19 am
CroisiEurope River Cruises - Any recent experience today
esim card on cruises yesterday
Vancover Canada Place Disembarkation yesterday
Entertainment options yesterday
Beware Ambassador Cruises yesterday
P&O Iona Norwegian Fjords questions Apr 23, 2024
How formal are “formal nights” on Queen Mary II? Apr 23, 2024
Sicily Palmero port to Mondello Beach by train. Apr 23, 2024
Scenic cruise Apr 22, 2024
First, tell us WHERE YOU LIVE if that info isn't in your profile!
Can I remove the auto- gratuity? I want to tip only a few ... how much should I tip?
What's the best cruise/ship?
Is a cruise an all inclusive vacation?
How do I even get started picking a cruise?
How can I find a cheap cruise?
How much are alcoholic drinks? Can I bring my own alcohol?
What are the odds of an upgrade?
What should I know about the cruise contract?
What are the noisy locations to avoid on a cruise ship?
What's the best way to see the ports on my cruise?
What are cruise dress codes? Do I have to follow them to get in the dining room?
What kind of insurance do I need? Can I skip that expense?
What do you wish someone told you before your 1st cruise?
Cruise Reviews and Reports for cruise lines operating from Australia / New Zealand
Australia / South Pacific - things I wish I knew before I cruised including port info
What should you order for the best food on board?
What you should know about river cruising
Regional pricing - at what cost?

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.

9 Best Travel Insurance Companies of April 2024

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

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

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

Table of Contents

Travelex Insurance Services
Allianz Travel Insurance

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

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

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

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

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

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Annual and multitrip policies are available

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

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

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

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

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

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

More limited coverage for baggage issues than other companies

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

Travel insurance policy coverage is tailored to your specific trip

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

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

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

Limited trip cancellation coverage even at the highest tier

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

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

Cancel for any reason coverage costs extra

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

Generous emergency medical and emergency evacuation coverage

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

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

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

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

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

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

Travel Insurance Types: Which One Is Right for You?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Why Trust U.S. News Travel

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

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Booked through Canada?

A specific problem in your case ?

A general problem with this policy ?

sure is odd as well as travel insurance from Costco.

Maybe Costco was the easiest way to get Canadian travel insurance like Manulife.

customer service issue with Costco...not travel related.

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11 Best Travel Insurance Companies in April 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

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

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

How we found the best travel insurance

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

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

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

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

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

Best insurance companies

Types of travel insurance

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

Berkshire Hathaway Travel Protection

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

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

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

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

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

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

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

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

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

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

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

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

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

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

Read our full review of Allianz Global Assistance .

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

Travel Guard by AIG

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

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

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

What else makes Travel Guard by AIG great:

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

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

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

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

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

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

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

What else makes Travel Insured International great:

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

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

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

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

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

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

What else makes World Nomads great:

Comprehensive international travel insurance plans.

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

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

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

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

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

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

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

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

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

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

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

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

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

What else makes Seven Corners great:

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

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

Read our full review of Seven Corners .

Best for long-term travelers: IMG

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

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

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

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

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

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

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

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

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

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

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

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

What else makes TravelSafe great:

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

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

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

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

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

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

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

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

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

Trip cancellation

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

Trip interruption

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

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

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

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

Cancel For Any Reason

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

Typically, adding this protection to your plan costs extra.

Baggage delay

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

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

Lost baggage

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

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

Travel medical insurance

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The Bahamas.

Costa Rica.

Antarctica.

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

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

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

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

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

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

on Chase's website

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Consider a few key questions:

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

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

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

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

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

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

In general, buying travel insurance

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

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

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

Help Center

Current product hierarchy

Does Costco Travel offer travel insurance?

Zurich travel insurance.

Please Note: To be eligible for the pre-existing medical condition exclusion waiver, the protection plan must be purchased within 21 days of your initial trip payment. The full coverage terms and details, including limitations and exclusions, are contained in the insurance policy.

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Does it have medical outside the US ?

Medivac and repatriation ?

Hospitalization and care ?

Cruising coverage is a bit different than a fly drive travel experience.

You can also see different plans at http://www.insuremytrip.com

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COMMENTS

Has any used Zurich Travel Insurance through Costco?
Costco's travel site states: " For your convenience, we provide Costco preferred rates offered through Zurich. Plans can include coverage for Trip Cancellation, Trip Interruption, Travel Delay, Baggage Loss or Delay, Emergency Medical Expense, including those related to COVID-19. Plans can also include coverage for rental car damage due to an ...
Trip Insurance
We are planning a trip to Hawaii in July. I have already paid for the trip through Costco but need trip insurance for myself and my in-laws. The trip insurance pricing for them is quite high as they are in their 80s. So far the best price is through Travel Guard - the policy through Costco. I went into a AAA office today and asked about trip ...
Costco Travel Insurance Review
Rental cars. Instead of buying expensive travel insurance from a rental car company, Costco trip insurance offers coverage to protect your rental car. It covers damage to the rental vehicle and ...
Trip Insurance
The trip insurance pricing for them is quite high as they are in their 80s. So far the best price is through Travel Guard - the policy through Costco. I went into a AAA office today and asked about trip insurance and the agent I spoke with told me that the Costco trip insurance is "horrible" and she has had to fight to get claims covered with ...
Is Costco Travel Insurance Worth It? A Detailed Review
Costco travel insurance can be worth it for the right kind of traveler and trip. Good for big, expensive vacations: Policies with high coverage limits protect costly trips. Good for cruises, exotic locations or extended travel. Nice upgrade over credit cards: More robust benefits than even the best travel credit cards.
Trip Insurance
Answer 1 of 11: We are planning a trip to Hawaii in July. I have already paid for the trip through Costco but need trip insurance for myself and my in-laws. The trip insurance pricing for them is quite high as they are in their 80s. So far the best price is...
Costco Travel Insurance
Sign in to get trip updates and message other travellers.. Hotels ; Things to Do ; Restaurants ; Flights ; Holiday Rentals ; Travel Stories ; Cruises
The best travel insurance policies and providers
For a single trip, multiple trips or long term. Covered by most policies. $15/25. IMG. Single trip or multiple trips (travel insurance and travel medical insurance options are available). Waived under set conditions for travel insurance; covered but capped for single-trip travel medical insurance. $17/$94.
Travel Insurance
Travel with confidence knowing that your travel insurance also provides 24/7 travel and emergency assistance. You can relax and enjoy your vacation knowing that help is just a phone call away should you need assistance 1-844-246-8470. Don't let an unexpected event interfere with your vacation; let a travel insurance plan help protect you ...
Everything you need to know about Costco Travel
There are two personal membership levels: Gold Star and Executive. Gold Star costs $60 per year, while an Executive membership costs $120. The basic membership will give you access to all of Costco's services, including Costco Travel, while the Executive membership also comes with a 2% reward on all Costco (and Costco Travel) purchases.
Costco Travel Insurance
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9 Best Travel Insurance Companies 2024
Best for Last-Minute Travel Insurance: A household name in the insurance world, Nationwide Insurance offers a few different types of travel insurance: cruise insurance, annual trip insurance and ...
Costco Travel Insurance-lots of potential for a poor outcome
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Costco Travel Insurance
In the chart above, the Costco Travel insurance costs a total of $305.80 for travelers 55 and 60 years old. Their price is competitive compared to Trawick First class, costing $310.31. However, they do not have equal footing. Costco Travel Medical Insurance is a problem.
11 Best Travel Insurance Companies in April 2024
Best travel insurance category. Company winner. Best overall. Berkshire Hathaway Travel Protection. Best for emergency medical coverage. Allianz Global Assistance. Best for travelers with pre ...
Does Costco Travel offer travel insurance?
Costco Travel doesn't sell travel insurance. However, we do offer Costco preferred rates through our partner Zurich when you book your vacation with Costco Travel. ... You may purchase Zurich travel insurance up until 10 days before departure. To receive a quote, please visit https://47-0351.covermore.com or call 1-844-246-8470. Plans aren't ...
Costco Travel Insurance
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Berkshire Hathaway Travel Protection

Best for emergency medical coverage: Allianz Global Assistance

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

Travel Guard by AIG

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

Best for adventurous travelers: World Nomads

World Nomads

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

Best if you have travel credit card coverage: Seven Corners

Seven Corners

Best for long-term travelers: IMG

Best for travelers with unpredictable work demands: Tin Leg

Best for booking travel with points and miles: TravelSafe

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

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