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Compare 2024's Best Travel Insurance Companies. Get Yourself Peace Of Mind.

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Standard single trip policies.

The most popular and comprehensive travel insurance plan
Covers cancellations, medical emergencies, delays, and luggage
Protection from the time you purchase to the date you return

Annual / Multi Trip Policies

Cost-effective option for travelers taking multiple trips a year
Includes common medical, delay, and luggage benefits
May require add-ons from trip cancellation or interruption

Cruise Insurance Policies

Offers comprehensive trip protection on land and at sea
Includes high travel medical insurance coverage limits
Protects against hurricanes, inclement weather, and more

Adventure & Sports Policies

Essential for travelers partaking in high-risk activities
Provides protection for lost or delayed sports equipment
Strong coverage for cancellations and medical emergencies

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Whether you’re heading abroad or staying local, we make it easy to find the best travel insurance plan for your next adventure. No bias. No hidden fees. Just the best trip protection quotes from the country’s leading providers.

Tell us some basic information about your next trip. We’ll use these details to help narrow your search and show the plans that best fit your needs.

Easily see how plans from the best travel insurance providers compete on cost and coverage. Use filters and sort results to uncover the right plan for you.

Get peace of mind at the lowest possible price. We partner with leading providers to offer you the best policies at the best value, guaranteed.

Why Trust Squaremouth?

When selecting a travel insurance provider, it's crucial to compare options. Obtain quotes from three to five insurers to ensure the best coverage and value. While it may seem time-consuming, this process can result in significant savings.

That's why we're here – over the past two decades, our industry-leading comparison engine has helped millions of travelers find highly-rated insurance plans and protect their trip expenses.

Our industry-leading comparison platform , enriched by customer reviews, displays unbiased results based on your specific trip details. If you run into any trouble, our multi-award-winning customer service team is just a phone call away.

Helped more than 3 million travelers
20+ years serving the travel community
Intuitive & user-friendly comparison engine
More plans and top-rated providers than the competition
Prices are regulated by law; you won't find a lower price anywhere else
Multi award-winning customer service team
140,000+ customer reviews

Save With Squaremouth

Squaremouth has helped more than 3 million travelers find the best policy for their trip.

Key Travel Insurance Benefits

Most trip insurance policies are comprehensive, including coverage for cancellations, medical emergencies, travel delays, and lost luggage, among other benefits.

What Coverage is the Most Important?

Squaremouth customer reviews.

More than 99% of customers would recommend Squaremouth to others. Read what a few of them had to say about their recent experience buying travel insurance.

Great Experience!

"The Squaremouth website is fantastic! It was very easy to select coverage and find and compare policies. Will recommend it to others."

Savannah from NC 03/26/2024

Great Coverage and Price

"Getting a travel insurance quote online was easy. We have used Squaremouth before and have been pleased each time. It's peace of mind for our travel needs."

Rhonda from IN 03/20/2024

Easy to Use!

"I always use Squaremouth simply because it is so easy to use and offers plans that are affordable to me."

Emily from AZ 03/08/2024

Very pleased!

"They give great service, and the website is so easy to navigate to find just the right insurance plan. I always appreciate working with them."

Don from UT 03/07/2024

The Squaremouth website is fantastic! It was very easy to select coverage and find and compare policies. Will recommend it to others.

Featured Articles

Our topic experts keep a constant pulse on the travel industry so we can provide the most current information and recommendations based on today's traveler needs.

What Type of Insurance Do I Need?

Plans can range in terms of cost and coverage, so it’s important to identify your specific needs before comparing options. Discover the different types of travel insurance policies you should consider for your upcoming trip.

How to Buy Travel Insurance on Squaremouth

If you’re new to Squaremouth, this quick guide can help you identify your needs, start your first quote, and compare your results. If you need additional help, our customer service team is just a phone call away.

Travel Insurance FAQs

Here are some of the most frequently asked questions from travelers like you.

Is Travel Insurance Mandatory for International Travel?

While rare, some countries or organized tours may require proof of travel insurance that lasts for the duration of your trip. Our Destination Center is a good starting point to learn about entry requirements and travel insurance recommendations.

While it is typically not mandatory, travelers should consider buying insurance if they want to protect themselves financially from unforeseen events that may impact their travel plans. Many Americans and U.S. residents purchase travel insurance when planning international or high cost trips. View our list of the top international travel insurance providers .

What Does Travel Insurance Cover?

Comprehensive travel insurance is designed to cover common disruptions that may impact a trip. Most policies will provide coverage for trip cancellations , medical emergencies , travel delays , missed connections , accidental death and dismemberment , and lost luggage . Travelers that experience financial loss as a result of a covered disruption may be eligible for reimbursement through their insurance policy.

How Much Does Travel Insurance Cost?

In general, a comprehensive policy with Trip Cancellation typically costs between 5% and 10% of the total trip cost. The cost of a policy depends on four primary factors: trip cost, traveler age, trip length, and coverage amounts. A policy without an insured trip cost will be significantly less expensive. We recommend comparing plans from multiple providers to find the best priced plan for your trip.

What Should I Look for When Comparing Travel Insurance?

There’s no one-size-fits-all policy when it comes to travel insurance. When comparing plans, you should consider the following:

Benefits: Travel insurance benefits outline what situations are covered under each plan. Make sure each plan you’re considering includes coverage for what’s important to you.
Coverage Limits: Plans will set limits to how much reimbursement you’re eligible for, and can vary significantly. Higher coverage limits can result in less out of pocket expenses in the event of a claim.
Exclusions: Travel insurance companies will list specific activities, equipment, and scenarios that are not covered by their plans in the event of a claim.
Premium: Higher priced insurance products do not always equate to better coverage. We recommend choosing the most affordable plan that offers the travel protection you need.
Provider Reputation: All providers on Squaremouth have been carefully vetted and offer 24-Hour Assistance services. Customers are also encouraged to share honest reviews about their experience before, during, and after their trips.

Does Travel Medical Insurance Cover International Trips?

In many cases, primary health care plans, such as Medicare or a policy you have through your employer, are not accepted overseas. If you’re not covered, you may be responsible for unforeseen medical expenses if you get sick or injured while traveling.

To avoid out-of-pocket expenses if you need medical care in the event of an emergency, many travelers opt for travel medical insurance. These plans can cover the cost of treating unexpected medical conditions incurred during your international trip.

Are Pre-Existing Conditions Covered by Travel Insurance?

Coverage for pre-existing conditions varies among travel insurance policies. While many plans won’t offer coverage for existing injuries or illnesses, some plans may offer Pre-Existing Condition waivers if certain conditions are met, such as purchasing the policy within a specified time frame from booking the trip.

Will My Policy Cover Trip Cancellations?

Yes, many comprehensive travel insurance policies cover trip cancellations under specified circumstances, such as sudden illness, injury, or death of the insured or a family member, natural disasters, or unexpected work obligations. Most policies that include the Trip Cancellation benefit offer 100% reimbursement for all prepaid, non-refundable trip costs.

What’s the Difference Between Single-Trip and Annual Travel Insurance?

Single-trip travel insurance covers a specific journey for a set duration, offering protection for that trip only. This is the most popular type of travel insurance among Squaremouth users. In contrast, Annual Travel Insurance provides coverage for multiple trips within a year. Annual plans can be cost-effective for frequent travelers and less of a hassle than purchasing multiple single-trip plans.

What's the Process for Filing a Travel Insurance Claim?

To file a trip insurance claim, follow these steps:

Contact your insurer: Notify them as soon as possible about the incident.
Gather documentation: Collect relevant documents, such as police reports, medical records, or receipts for expenses incurred.
Complete the claim form: Fill out the insurer's claim form with accurate details.
Submit supporting documents: Attach all required documents to substantiate your claim.
Keep records: Maintain copies of all submissions and correspondence for your records.
Follow up: Stay in touch with the insurer for updates on your claim status.
Be honest and thorough: Provide clear and truthful information to expedite the process.

Remember, the process may vary by insurer, so review your policy or contact your insurance provider for specific instructions. Learn more about what can be covered and how to file a travel insurance claim .

Where Can I Buy Travel Insurance?

Travelers can purchase travel insurance directly from providers, through a comparison site like Squaremouth, or directly through a travel supplier when booking. Credit cards and travel agents are other sources to consider. Travel insurance prices are regulated by law, meaning the price of one specific policy must be the same regardless of where it is sold, whether it’s purchased from Squaremouth or directly from the provider.

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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...

Is It Worth It?

World Nomads Travel Insurance: Is It Worth It? (Updated 2020)

by Jason Moore

Is $2 a Day and World Nomads Travel Insurance Really Enough to Protect Your Next Big Adventure?

You may have landed here because you’re looking for a World Nomads Travel Insurance review to help decide if this company (or any travel insurance for that matter) is really worth it.

Even though you know that travel insurance is the best way to protect yourself and your stuff while you travel, when it comes to buying travel insurance…

Comparing endless plans, entering your information 30 times in those little search windows, and obsessing about all the things that can go wrong aren’t how I like to spend time before my next adventure.

And that’s just the start. What about reading through pages of legal jargon and arbitrary exclusions, and oh yeah— paying $200 for a trip that won’t happen for three months .

No one wants to buy travel insurance. I get it.

But shopping for travel insurance doesn’t have to be that way. This guide will help you:

Find a plan you can afford
Compare popular budget insurance providers
Understand confusing jargon that can save you hundreds of dollars if you ever have to make an insurance claim.

So get excited, because this dive goes deep .

And if you’d more information while you’re reading you can listen to my interview with travel insurance expert Phil Sylvester:

Here’s what we’ll cover in this article:

Why You Need Travel Insurance- Yes, this really happened to me

Why World Nomads is the Best Travel Insurance

What Travel Insurance Covers (and what it doesn’t)
Types of Coverage —Basic, Comprehensive, and “Adventure”
How to Choose the Best Travel Insurance for YOUR Trip (RTW, Spring Break, Family vacation, Extreme Sports, etc.)

What Does Travel Insurance Really Cost?

World nomads vs 3 budget travel insurance options.

Travel Insurance Tips & Best Practices —How to extend your coverage or file a claim, plus when to buy insurance and when to upgrade

But first, I’m going to read your mind. Here’s a real-life example to answer the question I know you’re wondering right now:

Do I really need to pay for travel insurance?

Why You Need Travel Insurance

“I just need to send a few emails then I’ll be finished, it’ll only take five minutes,” I said to my girlfriend and travel partner at the time.

This internet café pit stop was intended to be a quickie. After all, who wants to stare at a screen for more than 10 minutes when you’re in one of the most gorgeous places on earth?!

We’d been traveling through Argentinian Patagonia for roughly six weeks, hiking our brains out. Since we spent our northern hemisphere summer working, we decided to head south of the equator in November for a summer of fun.

I didn’t know I’d get this close to a volcano in Patagonia, good thing I had travel insurance.

It was an elegant cycle: go on an epic multi-day trek in pristine wilderness, return to civilization, eat good food, drink some beer, relax, travel some more (or not), go on an epic multi-day trek in pristine wilderness…

Rinse and repeat.

Nature was our top priority. Hiking trips were often supplemented with adventure activities like biking, rafting, kayaking or whatever else fit our mood.

Biking on a dirt road in Argentina

Back in the café, I set our daypack next to my leg and began firing off emails. As promised, around ten minutes later I reached down to grab my pack.

I thought I was imagining things, but nope; it was all gone.

A crafty someone had crawled under the desk across from me and discreetly removed the bag from right next to my leg.

Our camera— gone .

Six weeks of memories– gone .

Vanished like an ice cream cone on a humid day.

Not to mention our fancy-pants polarized sunglasses, books, journals, and many more personal items. I don’t remember the exact value of the stolen goods, but all told, it was a surprising dollar amount.

We’d never be able to get our memories back, but we could get reimbursed for our stolen items. Thanks to our travel insurance, we did.

Bottom line: Travel insurance is important, and you need it. In some cases, it’s even mandatory (work and holiday visas or studying abroad).

So to understand this shifting minefield of fine print, obscure providers, insurance…y words, and who covers what, Zero to Travel presents… * blaring trumpet sound *

The Ultimate Guide to Travel Insurance!

Too many plans to choose from.

Contrary to the popular myth, there are a lot of travel insurance companies to choose from besides World Nomads.

A 2-minute search for travel insurance for a one-month trip to Italy this summer yielded 46 different travel insurance plans from more than a dozen companies —most of which I’d never heard of.

To save you time, I’ll give you my recommendation upfront. Then, keep reading to find out what travel insurance really covers and for an honest comparison of three other insurance options.

Disclaimer : It’s impossible to give 100% accurate quotes for every type of trip and traveler. You’re all unique snowflakes. In the examples provided below, I used the following super sensitive personal information to generate sample quotes and rates. Please don’t steal my hypothetical identity:

Case Study: Travel Insurance Quote Example (rates calculated for an American citizen)

Name (Shawn)
Location (Boston, MA)
Destination (Italy)
Trip Cost ($2,000)
Trip Length (1 month)
Existing Health Insurance? (Yes)

Honestly, I hate worrying about my stuff while I travel. World Nomads gives me the peace of mind I need when it comes to gear. When my bag got stolen in Argentina, we took the proper steps by filing a police report and submitting our paperwork and they covered our losses. No muss, no fuss. It was great.

Plus, their One-Call 24-Hour Assistance Services offer multilingual pros to help you find a local doctor, dentist, or hospital abroad, and they can even arrange transportation to get you there.

World Nomads Insurance Price Quote Case Study

Standard Plan: $120.07

Explorer Plan: $211.51

Standard Plan vs Explorer Plan

Medical coverage is the same ($100,000) and trip cancellation is pretty similar (Standard: $2,500 / Explorer: $10,000). The biggest difference is how much gear is covered.
Standard Plan covers $1000 of gear , while Explorer goes up to $3000 . Again, if you have expensive camera gear, laptop or smartphone, it’s worth upgrading to the Explorer plan.

Pre-existing conditions aren’t covered on either plan, and Standard doesn’t include rental car coverage, but my Chase Sapphire credit card does so no worries there.

Plus Side: World Nomads is known for its adventure sports coverage . Explorer covers 100+ activities like : skydiving, scuba diving, base jumping, and even shark cage diving. So that’s sweet. Standard covers almost as many including, climbing and canoeing. Both plans also include dental coverage ($750), which is way better than nothing.

When you travel you never know what adventurous activities you’ll end up doing. I LOVE that I am covered for adventurous travel.

Here I am trekking in Nepal and feeling at ease knowing I’m covered by travel insurance.

To read more about what World Nomads covers, jump ahead here.

To compare World Nomads with 3 other budget options, jump ahead here.

Buying World Nomads travel insurance is simple. I’ve been using World Nomads travel insurance relentlessly over 15+ years of travel while trekking in Nepal and Patagonia, backpacking through Central America and living in Norway among many other adventures. Plus, its trusted by established brands we all recognize like Lonely Planet and Eurail, so you know you’re in good hands.

You can get a quote for your trip right here:

World Nomads Travel Insurance. Simple & Flexible.

Or watch this video to learn how to get a quote on the World Nomads Travel Insurance website :

How to Make a Claim with World Nomads

You can make a claim online from anywhere

The part we all dread:

Actually having to make a claim when something goes wrong on a trip.

Luckily, World Nomads makes this simple as well. They list ten straightforward steps to guide you through the claims process :

Gather your receipts.
Sign-in to your World Nomads account.
Make a new claim.
Tell them what happened.
List your expenses.
Send supporting documentation.
Upload your documentation, receipts, invoices or other proof of your expenses.
Review your claim.
Submit your claim.
Communicate with the claims team

Keep in mind that saving your receipts is the real first step, as you’ll need them to begin making a claim.

So, what events can you submit a claim for?

What Does Travel Insurance Really Cover?

First things first: Travel insurance is not medical insurance.

Medical coverage is an important part, but “travel insurance” breaks down into three broad areas of coverage:

Medical Expenses —Hospital bills
Property —Luggage and their contents
Travel —Accommodation and trip expenses

That’s it. You could add a fourth category—emergency evacuation fees and repatriation expenses (shipping your body home if you die)—but those typically fall under medical and they’re super depressing to think about.

Even though we fixate on the medical expenses side of travel insurance—and it can be the most costly emergency expense while you’re abroad—you are far more likely to use your insurance (make a claim) for lost or stolen items and trip interruptions .

Medical Expenses

While travel insurance isn’t medical insurance like you get at home, many plans do cover some medical expenses for accidents that occur on your trip. Here are some of the most common.

Emergency Accident & Sickness Medical Treatment

The keyword here is an emergency . This will be better defined in each policy’s fine print, but this covers medically necessary (a bit open to interpretation, I know) treatment for an accident or illness that occurs during the trip .

Here’s what you can typically expect from World Nomad’s (including dental coverage).

Coverage for medical emergencies

Coverage for travel accidents

Emergency Evacuation & Repatriation

Is it super depressing to think of your accidental death on a trip? Yep.

But it’s also naive to think it couldn’t happen, and it’s better to be prepared. This covers expenses for return home if you become extremely ill or pass away abroad.

It may also cover the cost of bringing a relative to see you or to send your children home if you get stuck in a hospital abroad for a longer stay.

As stated on their website:

“If our medical teams believe it’s necessary to bring you home for treatment or ongoing care, there’s cover in all of our policies for:

Air Ambulance
Sea Level Aircraft
Helicopter evac
Ground Ambulance
Flight changes, upgrades or just more space
Flight upgrade + medical staff.

Property Coverage: Insuring Your Gear

Even a small number of electronics can add up to big dollars. As a media producer and digital nomad, I carry a lot of expensive gear with me when I travel. This could include: a DSLR camera, Rode microphone, laptop, external hard drive, iPhone —the list goes on. I want to know that if my bag is lost in transit (I usually fly carry on, so that’s not gonna happen), or I get robbed, that I’ll get some money back for the tools I use to make a living.

That’s why I always choose travel insurance with solid coverage up to $3,000 .

Here’s what World Nomads typically offers according to their website:

“There’s cover to claim up to the policy limits if:

Your luggage and personal effects are stolen, accidentally damaged or lost on your trip.
Your checked-in luggage is stolen, lost or damaged by a common carrier (like an airline or bus company).
Your travel documents, traveler’s checks or passport are stolen, accidently lost or used fraudulently.
Sporting equipment when lost by the carrier or if it’s damaged (while not in use) or stolen.

The maximum amount you can claim for all your luggage and personal effects is $3,000 per insured person with a maximum claim amount of $500 per item for an Explorer policy, or $1,000 per insured person with a maximum claim amount of $500 per item for a Standard policy.”

It’s Ok to be Basic…Sometimes

Typically, most “Basic” packages have a claim limit of $1,000 , which just isn’t enough for all my stuff. But it all depends on you. If you’re a t-shirt and paperback traveler, skip the spinning rims and stick with Basic—the medical coverage is usually about the same ($50,000-$100,000), and you’ll save a few bucks not insuring gear you don’t even have.

Per Article Limit: You Sneaky, Bastard

If you do opt for more coverage, make sure you watch out for one insidious insurance term:

Per Article Limit.

I can’t stress this enough: Baggage loss/damage sections are super complicated and at the same time brutally specific. Know the wording of your policy.

A low per article limit—say, $100—means that even though you may be covered up to $5,000 (a very high limit), you can only claim $100 for each lost or stolen item:

$1,500 MacBook Pro? You get $100
$2,500 Canon 5D Mark III: You get $100

Watch out for per article limits!

Trip Coverage: Cancellation, Interruption, Delay, and Missed Connection

Nothing ever goes as planned. Planes are late, cabs get lost, and donkeys wander off. Most travel snafus are logistical—especially if you’re stupid inexperienced enough to plan the entire trip in advance.

The right travel insurance can reimburse you thousands of dollars for pre-paid accommodation and travel, but only if you know the difference between these three important terms:

Trip Cancellation

Trip interruption, missed connection.

“Cancellation” occurs before you travel, and usually involves sickness, injury, death of a family member, or inclement weather and natural disasters (your Fiji hotel gets hit by a hurricane, for example).

A good cancellation policy ($10,000) is the best reason to buy insurance months in advance. However, if you’re looking to save a few bucks, and have flexible travel dates, you can get low (or no) coverage in this section without it affecting your trip at all because the second you start your trip, this section becomes worthless.

“For US residents, there’s coverage in both Standard and Explorer plans for the transport and accommodation expenses you’ve already paid for if you can’t travel because:

The doctor certifies that you’re medically unfit to travel
You, your travel buddy or a close relative is hospitalized or dies

But we know more than illness can stop you from traveling, so we also provide coverage in cases like these:

You or your travel buddy are required to serve on a jury
Unforeseen weather stops all services for at least 24 hours and keeps you from reaching your destination
A terrorist attack occurs in your scheduled destination within 30 days of your departure date”

This is when your trip hits a snag during your travels, and c overage is related to natural disasters.

Benefits related to other things you might consider “interruptions” like medical emergencies and accidents are listed in their website.

A flood carries your ferry away. A tornado closes your airport. With Trip Delay coverage, you’re all good.

This covers expenses like unused, prepaid accommodations when you get delayed 6 hours en route to or from your trip.

You’ll want to read the fine print on this one like your plan’s exact definitions of “hazards” or the Maximum Daily benefit-the limit they’ll payout per each day you’re delayed.

In their words

“If you experience delayed or missed flights, your reasonable and necessary additional expenses – such as local taxis and transport and accommodation costs during your delay – are covered up to the plan limits if:

The missed flight is not any fault of yours. For example, when en route to a departure you’re delayed by a traffic accident in which you or a traveling companion are not directly involved.
Your flight is delayed at least six hours or canceled due to severe weather, natural disaster, hijacking or strike, including if it causes you to miss a connecting flight.”

This one is also super tricky, so read the fine print. Often times the only missed connection reimbursements are for cruises, with rare air travel thrown in. Seriously. Cruises are apparently quite unreliable.

A missed connection claim typically only works if the reason you miss your flight/cruise is because of bad weather. So if you oversleep, you’re probably S.O.L.

Types of Coverage

It might seem like travel insurance companies offer a wealth of options, but travel insurance typically falls into two simple categories: Basic or premium. That’s it.

Companies add a lot of bells and whistles—like 24-hour emergency assistance support lines—but the difference is almost always a bigger monetary limit for damage (to your gear) and trip interruption claims as well as more medical coverage that you might not use ($100,000 vs. $250,000).

Basic Coverage

This varies between providers, but basic travel insurance policies typically cover:

$1,000 Baggage
$2,000 Trip cancellation
$1,000 Trip interruption
$50,000 Medical care
$50,000 Medical evacuation

Basic plans typically don’t cover:

Rental car collision waivers
Missed connections
Delayed baggage
Pre-existing medical conditions

Premium Coverage

No matter what they call it—’Luxe, Preferred, Platinum, or “Special Little Someone”—premium coverage offers all the same protections as basic plans, with increased limits in nearly every category.

Premium coverage often includes:

$3,000 Baggage
$10,000 Trip cancellation
$10,000 Trip interruption
$1,000 Missed connection
$100,000 Medical care
$500,000 Medical evacuation/repatriation
$50,000 Dental
$35,000 Rental car collision waiver

Pay attention to wording, but the biggest difference between upgrades is usually your total trip cost (your estimated trip value). Most providers ask for your best guess when you’re browsing, and the number you come up with will definitely affect your quote.

If you’re a hostel backpacker traveling by bus, basic is almost always the way to go. Be honest about your low trip cost. A higher trip cost won’t give you better coverage; it’ll just cost you more money.

Adventure Activities Exception

The one big exception is if you’re an adrenaline junky. Adventure sports and the inherent medical risk they entail require customized travel insurance plans. Don’t rely on a quick online quote. Consult an insurance expert, or contact the company directly to get all the details just right.

Here are a few things that can affect adventure activities coverage:

Countries visited (Europe, Asia, Australia, Africa-wherever you adventure, you’ll want to make sure you’re covered)
Particular sports or activities
Are you competing in a sponsored event?
Are you a pro athlete?
Are you traveling with a tour company or going solo?

Each variable matters and it only takes one wildcard to void even premium coverage.

World Nomads has you covered better than any other travel insurance company when it comes to adventure sports.

Check out a pdf list of World Nomad’s covered adventure activities for each plan (note: these results are for US citizens).

Hidden Benefits: Your Credit Card

Credit card insurance is an extra bonus that some travelers don’t even know about. Your credit card company may cover things like trip cancellation and rental car insurance, making those unnecessary travel insurance benefits. Take a look at your credit card policy before you travel.

For example, I carry the Chase Sapphire Preferred card because I love Chase Ultimate Rewards points. However, Chase also doesn’t charge foreign transaction fees and they cover car rental and trip cancellation ! You can learn more about my favorite travel credit cards here.

How to Choose the Best Travel Insurance

There is no one perfect insurance plan. Every traveler is different. So the best way to buy travel insurance that actually covers you (and your stuff)—for an affordable price—is to simply decide what one thing is most important to you.

Medical Matters

If medical coverage—hospital bills, medical evacuation, and zero deductible emergency care—is all that matters, get a well-reviewed insurance package with at least $250,000 in medical coverage . There are plenty of options. If you break your arm, good medical coverage will keep you from breaking the bank.

Fear for Your Gear

If you work on the road (like me), and your stuff is your livelihood, find a plan with no Per Article Limits and high Baggage Loss/Theft coverage($3,000-$5,000 ). Then you can swing your camera over your shoulder and hike out to the middle of nowhere with a bounce in your step, secure in the knowledge that you’re covered against theft and damage.

I don’t know many photographers worth their salt that don’t have at least $3000 in gear coverage.

Itinerary Idiot

If you’ve pre-booked your entire trip, and some connections are tight, or monsoon season is on the horizon, make sure you have an ironclad Trip Cancellation clause (some companies even reimburse you for more than 100% of your trip if weather ruins things)!

Trip Interruption is also clutch. And don’t forget good Missed Connection coverage if you’re taking a cruise.

Your journey is one-of-a-kind; make sure your travel insurance is the same. There really is a travel insurance plan for everyone, and it can cost as little as $2 a day.

Finally, down to the nuts and bolts. What is travel insurance going to cost me?

This is where most travelers start and end their travel insurance search, and while the price is a huge consideration—especially for budget travelers—you really do get what you pay for with travel insurance.

Shop. Around.

Hopefully, you never have to use your insurance, but if you break your arm, smash your camera (like the time I dropped a brand new lens hiking in the Italian Riviera), or get marooned in Bangkok for three weeks by a monsoon, the extra $2/day for real coverage will save you thousands in medical bills, replacement costs, and cancellation fees.

Travel Insurance Price Comparison

While World Nomads is my go-to travel insurance provider, it may not fit for everyone. To help you decide, I crunched the numbers for a one-month trip to Italy (January 2020) using three other recommended budget travel insurance providers I could find (you might even recognize a few of them, so that’s cool).

Below are the price breakdowns and some notes about coverage.

HTH Travel (or GeoBlue, if you’re eligible)

Choice Option:

$50,000 limit/$500 deductible: $40.92

$100,000 limit/$100 deductible: $55.80

$1,000,000 limit/$0 deductible: $70.68

Essential Option:

$50,000 limit/$500 deductible: $36.58

$100,000 limit/$100 deductible: $49.91

$1,000,000 limit/$0 deductible: $57.66

Standard Trip cancellation (sliding scale from $5,000 up to $50,000)
No “ missed connection ” reimbursement for the economy package
Only Preferred provides car rental insurance coverage, so you’ll need to provide your own on the other two packages.

Plus Side: Each option includes more than 100% reimbursement (125%, 150%, and 200%) for “trip interruption .”

That basically means, that HTH understands that missing out on an activity is about more than just the money out of pocket—it’s about putting a price on missing out on a once-in-a-lifetime experience. Also, the minimal cost difference it takes to drastically lower your deductible and limit almost make it a no-brainer to go with the full-on coverage, unless you’re on a really stringent budget.

Well done, guys.

OneTrip Premier: $148

OneTrip Prime: $110

OneTrip Basic: $84

The Difference Between Premier, Prime, and Basic

Medical emergency coverage slides from $10k – $50k (a little low)
Baggage loss/damage is on the low side as well ($500, $1,000, and $2,000). If you travel with a laptop, DSLR, etc. consider an upgrade
Basic coverage doesn’t provide reimbursement for missed connections , and travel delay coverage is low ($300)

Plus Side: Pre-existing conditions are covered on every plan.

Generali Global Assistance (formerly CSA)

Standard: $97.57

Preferred: $122.89

Premium: $156.80

The Premium option is built for more expensive, high-end travel including cruises and guided tours, stuff that costs a lot upfront. This is good news for backpackers – there’s no need to feel cheap or unprepared by choosing the cheaper options. The Preferred option includes stuff like outdoors gear (skis, camping equipment, etc.) and is ideal for adventure travel.

Plus Side: Their plans include dental in the medical coverage (up to $50,000), which is a big deal if you chip your tooth on a Red Bull can. That being said, I’ve got my teeth cleaned in Hanoi Vietnam for around $20 USD – a fraction of the cost for a cleaning back in the states. Paying out of pocket is always an option but with serious dental damage insurance is key.

Travel Insurance Tips & Best Practices

Now that you have a feel for the cost of travel insurance—typically $2-$6/day—and what it covers, as well as the pitfalls and jargon, the final question is:

How can I hack buying insurance to get the sweetest deal?

Surprisingly, honesty helps save money on travel insurance. Really think about how much your gear is worth today ( not what you paid for it five years ago). A 4-year old laptop is worth $100, even if it was $899 back in the day. A point and shoot camera might not even be worth that much, even though it retailed for $229. If you go through your stuff item by item, you might discover that you really don’t need premium coverage. And that’ll save you money every day.

Don’t Insure Your Entire Trip

Warning: This is a “break glass in case of emergency” kind of hack and isn’t for the faint of heart, but a great way to save money is to only insure half of your trip. Let me finish.

Flexibility

I travel on one-way tickets all the time—I like the flexibility to stay put, go somewhere spur of the moment, or even call it a day and head home. I’ve headed out for what was originally a 3-month trip, only to have it go south and be back home after a month. I’ve also had the same trip extend into a two-year RTW romp. Isn’t travel awesome!

World Nomads Travel Insurance makes is incredibly easy to extend your insurance with just a few clicks, so save money up front and only purchase what you know you’ll use. You can always extend as you go. The last thing you want is to pay for travel insurance while you’re safe and sound on the couch at home.

Split the Cost

In the hypothetical trip to Italy this June, I might stay on for an additional month to hike the Camino de Santiago in Spain. That’s a totally different trip than photographing idyllic cafes and vineyards in Tuscany. It requires different medical coverage, less gear coverage (I don’t hike with a laptop), and possibly extreme adventure coverage for mountain climbing.

So instead of paying for two months of very expensive comprehensive coverage for the whole trip (Italy and Spain), I’ll insure my first month of travel with World Nomad’s Basic Plan , then extend the basic plan if I stay in Italy sunning myself, or re-up with a new provider, or expand on my existing coverage for my Spanish hiking expedition.

Here’s an insider travel secret from the pros: Travel Insurance companies want you to buy more coverage.

Extend Your Coverage As You Go

Generally, insurance companies make it easy to extend your coverage, and they’ll drool if you want to up your protection mid-trip.

World Nomads Travel Insurance even sends you an email reminder when your travel insurance is a week away from expiring so there’s no lapse in coverage if you forget. It’s awesome.

The one thing you can’t do is downgrade your plan.

If penny-pinching is a huge concern, or you haven’t nailed down your budget and the thought of spending cash upfront bums you out, get Basic coverage for the first leg of your trip and see how it goes.

Try before you buy. You can always get more.

Travel Insurance Is Important: Don’t Skip It!

Travel insurance is part of how we travel today. Everyone has a smartphone worth hundreds of dollars, cameras worth even more, laptops, hard drives, and gizmos. Everyone is a rock climber or spelunker (which is kind of awesome), and everyone has plans that fall through from time to time.

It sucks to travel in fear that something might go wrong, because, spoiler alert: it totally will.

Travel is all about the unexpected and unpredictable. If you get the right coverage you won’t sweat it when things go wrong and you can go back to enjoying what an amazing, wonderful, exciting world we live in!

Disclosure: Some of the links above are affiliate links which means I’ll earn a small commission if you decide to make a purchase with no additional cost to you. I recommend products I use and love and any money earned goes back into supporting this website and community and keeping the content ad-free. Thank you!

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Jason – On your (earlier) recommendation I purchased a few days ago a World Nomads policy for a trip our son is taking to South America this summer (He’s flying from Peru to Argentina literally as I type this). While I don’t think World Nomads is the cheapest policy out there, I can’t imagine any insurer making the process easier. So simple! Also, their coverage looked very comprehensive. The peace of mind is definitely worth the few dollars.

That’s great Earl, they’ve always been good to me over the years. Insurance is one of those necessary evils so it’s nice that they make it easy. Awesome to hear that your son is headed south, I’m sure he’ll have a blast! Thanks for reading this and taking the time to comment. Cheers! Jason

Thanks Jason, this really set my mind at ease as I just realized that I need to get travel insurance in the next month, and didn’t have a clue where to look.

Awesome! Glad it helped!

Well written break down of travel insurance issues.

One of the most common ‘fine print’ issues I encounter are ‘delayed’ baggage and flight compensations. Lots of people get excited about that, when it often turns out that you’d have to be something like 12 hours late on an intercontinental flight for that to get triggered.

Another interesting point is cash: There are actually travel insurance providers (to my surprise) that insure cash you carry. I always thought that would be too open to abuse, but it does exist.

Last but not least: If stuff gets stolen, it’s important to file a police report in the country where it got stolen. Many insurance companies won’t reimburse losses from criminal activity unless there is at least a police report.

Great points Karsten, and I had no idea that some providers will even insure cash. Thanks for sharing

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Covid-19 (Coronavirus)

Coronavirus "Cancel For Any Reason (CFAR)" Travel Insurance

This page is about travel insurance with Cancel For Any Reason coverage for coronavirus. For information about "travel medical only" insurance with coronavirus, go here. What is 'Cancel for any Reason' Coverage Cancel for any reason coverage is a type of trip cancellation coverage. It's also one of the primary reasons travelers purchase travel insurance. Here's the important part: standard trip cancellation coverage doesn't include canceling for an outbreak of a pandemic like COVID. With Cancel for any reason coverage, or CFAR, travelers can cancel their trips for any reason, including COVID. The coverage reimburses you up to 75% of your initial trip costs if you have to cancel a trip. See Cancel for any Reason (CFAR) Travel Insurance Coverage for a full explanation. CFAR Travel Insurance for COVID-19 Travel insurance with Cancel For Any Reason (CFAR) coverage has become very popular since the coronavirus (COVID-19) outbreak earlier this year.…

Travel Medical Insurance for Coronavirus

This page is about travel medical insurance for coronavirus, which does not cover canceled trips. For information about trip cancellation insurance and coronavirus, go here. Who this page is for Travelers who are planning a trip outside their home country, and want insurance to pay expenses in case they get coronavirus. Overview of Travel Medical Insurance Travel medical insurance is something you should purchase whenever you leave your home country. It covers emergency medical expenses from accidents and illnesses, evacuation costs, and acts as a lifeline to call in a foreign country. Because, when you leave your home country, your health insurance from home might not travel with you. Medicare never covers you abroad. Even if your insurer from home does cover medical costs, there is likely a costly deductible. Plus, even if your insurance from home covers medical expenses, they won't cover evacuation costs which could be financially ruining…

What if you get COVID while traveling?

We’ve all gotten used to an endless array of hygienic measures, mask mandates, pre-travel testing, and vaccinations to reduce the risk of contracting or spreading COVID-19. The new and rapidly spreading variant has caused a new round of global uncertainty and travel restrictions. In the latest shakeup of travel news, two countries (England and Israel) have ditched the pre-arrival tests for incoming travelers. As the world continues to navigate the COVID-19 pandemic and works to decide what endemic means, the question-of-the-week on travelers’ minds is what to do if they get COVID while traveling. If you’re ready to travel and concerned about testing positive or getting sick with COVID-19 while away from home, here are the answers to your top questions. Q: What can I do to be prepared? Expecting the unexpected is part of travel planning and it’s even more essential now. Here are five critical steps to complete to be prepared…

Traveling with families

11 Reasons to Buy Travel Insurance

We know travel insurance can seem like just one more expense, and many travelers ask the question why buy travel insurance and why get travel insurance? Here are the most important reasons to buy travel insurance. 1. You need to cancel your trip What happens if someone gets sick and can’t travel, a parent dies, you’re required to work, or your house floods? With trip cancellation coverage, you’ll be able to recover your out-of-pocket expenses for these covered reasons and more. 2. You miss your connection You’ve planned a cruise but you discover the connecting flight to get to the ship is delayed. With the missed connection it looks like you will miss your cruise departure. How will you catch up to the ship? With missed connection coverage, you can take another flight to catch the ship at the next port-of-call. You’ll also have assistance services to help you arrange and pay for those travel changes. 3. Your flight…

How Travel Insurance Covers Kids

The odds that something will happen to complicate or derail your travel plans with the kids has become the norm rather than the exception. Many travel insurance providers offer free travel insurance to cover kids who are traveling with their parents, guardians, even grandparents. Here's how travel insurance covers kids. Travel insurance plans include coverage for kids with these helpful benefits: Return of minors - this benefit ensures that minors will be cared for and returned home if the adult they are traveling with is hospitalized for a certain number of daysEmergency medical reunion - this benefit ensures that you won’t have to pay for airfare and accommodation to visit your kid if they are hospitalized away from youEvacuation - an evacuation to escape an oncoming hurricane for 2 is expensive enough, but add in a few kids and it can get downright cost-prohibitive. This benefit covers security evacuations when…

Cancel For Any Reason (CFAR) Travel Insurance Coverage

What is CFAR Travel Insurance? Briefly: Cancel For Any Reason (CFAR) is travel insurance coverage that reimburses up to 75% of your total trip costs if you have to cancel your trip for any reason not listed in the standard coverage. What you will find on this page: Coronavirus: Special Section & TipsHow does CFAR coverage help?What does Cancel For Any Reason travel insurance cover?How does CFAR work?Understanding Supplier Cancellation PenaltiesImportant notes about Cancel For Any Reason travel insuranceWhat type of policy covers this?How to buy a plan with Cancel For Any Reason coverageFAQs about Cancel For Any Reason insuranceCompany CFAR Coverage TableSummary Coronavirus: Special Section & Tips With the continued concerns about the Coronavirus outbreak, millions of travelers are not sure what to do about travel plans. Travel insurance can help in several ways, but it depends on the traveler, the trip, timing, and what is needed. Note: If you…

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Is travel insurance worth it?

April 30, 2024 | 2 min read

Planning a trip and wondering if you need a travel insurance policy? Keep reading to learn more about travel insurance to decide whether it’s right for you.

Key takeaways

Travel insurance can provide financial protection if things go wrong before or during a trip.
You might get travel insurance to cover potential losses from trip cancellations or delays, lost baggage or medical issues.
Factoring in details specific to your trip and balancing with existing coverage might help you decide whether travel insurance is right for you.

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What does travel insurance do?

Travel insurance is a type of specialized protection that might help protect against financial losses from airline delays, medical issues or other unexpected occurrences. Some travel insurance plans focus on specific things, like lost baggage or health care. Others offer a wide range of benefits under a single plan. It’s a good idea to make sure you understand the terms and conditions, because coverage varies.

When might travel insurance be beneficial?

Some of the situations where it can help to have travel insurance include:

Interruptions and cancellations

Trip delay insurance covers food and lodging expenses if you experience an airline delay. Trip cancellation insurance can reimburse your prepaid costs if an illness forces you to cancel entirely.

Baggage issues

Baggage loss coverage can reimburse you if your luggage is lost, stolen, damaged or delayed.

Medical emergencies

Travel health or medical insurance can cover everything from medication to emergency medical evacuation if you become sick or injured when traveling abroad .

When might travel insurance be unnecessary?

There’s no right or wrong time for travel insurance. It depends on your circumstances. But when deciding whether travel insurance is worth it, you can consider things like:

Type and length of trip: If the trip’s refundable, you might not need extra protection. And a short or cheap trip might not be worth the cost of coverage.
Your existing coverage: Check existing policies and agreements. If you have coverage through your health insurance provider, credit card issuer or card network, you may not need more.

Considering travel insurance in a nutshell

Travel insurance can offer peace of mind if anything goes wrong before or during a trip. But it may not always be worth it. If you’re considering travel insurance coverage, looking at your situation, your trip and the terms and conditions of your existing insurance policies could help you determine whether the benefits outweigh the costs.

If you’re interested in getting insurance coverage from a credit card, you can check out the benefits that come with Capital One rewards credit cards .

All about booking with Capital One Travel

article | 7 min read

Are travel credit cards worth it?

article | January 9, 2024 | 7 min read

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Is travel insurance worth it?

The right policy can protect your belongings, your bank account and your peace of mind..

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

On April 24, 2024, the White House established new rules for airlines , mandating automatic and timely refunds for passengers whose flights had been changed, delayed or canceled. That's a big relief to travelers, but there are still many unexpected situations where travel insurance can be a lifesaver before or during your trip.

"Travel insurance is often an overlooked investment until the unforeseen happens," says Beth Godlin, president of Aon Affinity Travel Practice . "It's designed to give travelers peace of mind and financial protection against travel risks."

A policy doesn't have to be expensive, according to Godlin, to add a layer of protection and security.

Getting travel insurance

How do i get travel insurance, what does travel insurance cover.

New airline regulations in 2024

How much does travel insurance cost?

Bottom line

There are many options in the travel insurance marketplace: Aggregator site Squaremouth lets you get price quotes from different carriers and, because it receives a commission from the insurance companies on its site, users aren't charged any additional fees.

Allianz has both single-trip and annual plans, with a Cancel For Any Reason (CFAR) policy that reimburses up to 80% of prepaid, non-refundable expenses. That's more than most similar plans on the market.

In addition to trip cancellation, Allianz's popular OneTrip Prime plan includes travel interruption, emergency medical care and emergency transportation. Children 17 and under are covered for free when traveling with a parent or grandparent.

AIG's Travel Guard® plans are great if you need to customize your coverage: The mid-range Travel Guard Preferred plan pays out 100% for trip cancellation and 150% for trip interruption, with up to $50,000 in coverage for medical expenses and up to $500,000 for emergency evacuation. There's even a payout of up to $1,000 if you miss your connection.

Travel Guard® Travel Insurance

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

Policy highlights

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

24/7 assistance available

If you're booking a trip with an aggregator site like Expedia , review the details of any travel policy that's offered. Plans are usually based on the elements of the trip (hotel, flight, rental car, etc.) and can differ every time you book.

A travel insurance policy typically costs between 4 and 10% of the overall price of your trip. The cost can vary:

Plans with higher limits and more optional coverage cost more.
A plan with a CFAR benefit can cost up to 40% more.
Older travelers typically pay more because there's more of a likelihood of a claim being filed.

Whichever plan you choose, read the fine print so you understand what you're paying for.

Travel insurance generally covers your expenses, your belongings and your well-being. When shopping for a policy, look for these benefits:

Trip cancellation

If your trip is canceled for a covered reason, a policy will often reimburse airline tickets, hotel rooms, rental cars, tours, cruises and other prepaid, non-refundable expenses. Covered situations can include illness or injury, the death of a family member or traveling companion, job loss, military deployment and even unplanned jury duty, according to Allianz's Daniel Durazo.

Cancellations can also be covered if a natural disaster, severe weather or airline strike prevents your carrier from getting you to your destination for at least 24 hours.

CFAR plans provide a lot more flexibility and typically reimburse 50% to 75% of your expenses. But they can bump up the cost by about 40%, said Durazo. Policyholders are also still usually required to cancel no later than 48 hours before their scheduled departure.

Trip delay

Should you experience a hiccup in your plans, your policy can provide some relief: Food, lodging and local transportation are usually covered if a delay is due to severe weather, airline maintenance or civil unrest.

"For a traveler to be eligible, they must be delayed for the minimum amount of time listed on their policy," Squaremouth spokesperson Megan Moncrief said. "Some policies are very lenient and provide benefits for any length delay, while others list a length requirement — usually somewhere between three to 12 hours."

Daily payout limits range from $150 to $250 per traveler, Moncrief said, while the total policy limit can be anywhere from $500 to $2,000. Save any receipts to submit with your reimbursement claim.

Don't miss: The best credit cards with trip delay insurance

Trip interruption

Should you need to cut your trip short due to illness or injury, or if there's a family emergency back home, your policy may reimburse non-refundable expenses you forfeited.

It may also cover the cost of a one-way economy airline ticket home.

Baggage loss

Airlines are required to compensate passengers luggage lost in transit, but a travel insurance policy may have a higher benefit limit, and cover you if your bags, passport or other possessions are lost, damaged or stolen once you've gotten to your destination., The Platinum plan from AXA Assistance USA has a $3,000 benefit limit for lost luggage, well beyond the $1,700 that airlines are required to cover on international flights. AXA has offices in more than 50 countries, with multilingual operators available 24 hours a day to help reschedule flights, book hotels and make other arrangements.

AXA Assistance USA Travel Insurance

AXA Assistance USA offers several travel insurance policies that include travel interruption, trip cancellation, and the option of cancel for any reason (CFAR) coverage.

Travel insurance doesn't cover every loss: Cash is not reimbursable and many policies won't reimburse for expensive jewelry or heirloom items. Read your policy carefully to see what is included.

Medical expenses and emergency evacuation

If you travel within the U.S., your health insurance should cover any illness or injury you sustain. If you're traveling abroad, though, your plan may provide little or no coverage. The right travel insurance should cover doctors' fees and hospital bills, Durazo said.

The provider can also help coordinate care and ensure you're at a medical facility that's up to U.S. standards.

An emergency medical evacuation can cost anywhere from $15,000 to over $200,000, Durazo added.

New airline regulations in April 2024

The Biden administration announced on April 24, 2024 , that it had finalized new rules requiring airlines to issue cash refunds to passengers if their flights were canceled or significantly changed, their checked luggage was significantly delayed or if purchased services, like Wi-Fi, were not provided.

Refunds must be automatic and made via the same form of payment as the original purchase. Travelers must be reimbursed within seven business days if the refund is going to a credit card. (Other forms of payment can take 20 calendar days to be reimbursed.) The new Department of Transportation regulations also require airlines and ticket agents to disclose upfront any fees for changing or canceling your reservation, seat selection, checked bags or carry-ons. The Biden administration has targeted junk fees across numerous industries, including credit card companies. It said the rule will help consumers avoid unneeded or surprise charges that can quickly add up and obscure the real cost of an seemingly inexpensive ticket.

While regulations on airlines are becoming increasingly stringent about reimbursing travelers for delayed or canceled flights, that doesn't do you any good if it wasn't the airline that put a kink in your plans. Travel insurance covers numerous scenarios, from medical emergencies to tropical storms. It could be particularly useful if:

You've spent a lot on prepaid, non-refundable expenses
You're traveling internationally where your health insurance won't apply
You're traveling to a remote area
Your flight involves multiple connections or destinations

"When deciding if travel insurance is right for you, ask yourself how much you could stand to lose if you had to cancel at the last minute," said Godlin.

If you're not as concerned about risk, your credit card may offer built-in travel protection if you book with that card: Chase Sapphire Preferred® , Southwest Rapid Rewards® Plus Card and the *American Express® Gold Card all come with trip cancellation and interruption coverage, among other benefits.

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Chase Sapphire Reserve®

Earn 5X total points on flights and 10X total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2025

Welcome bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Regular APR

22.49% - 29.49% variable

Balance transfer fee

5%, minimum $5

Foreign transaction fee

Credit needed.

Terms apply.

Read our Chase Sapphire Reserve® review.

Southwest Rapid Rewards® Plus Credit Card

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

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

21.49% - 28.49% variable

Foreign transaction fees

Excellent/Good

American Express® Gold Card

4X Membership Rewards® points at Restaurants (plus takeout and delivery in the U.S.) and at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), 3X points on flights booked directly with airlines or on amextravel.com, 1X points on all other purchases

Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Not applicable

See Pay Over Time APR

See rates and fees , terms apply.

Read our American Express® Gold Card review .

Research your card's travel benefits before making any purchases related to your trip.

Policies vary, but most comprehensive plans cover travel cancellation and interruption, baggage loss, medical care and emergency transportation.

While the price for coverage varies, most policies cost between 4% and 10% of the trip's prepaid, non-refundable expenses.

When should I get travel insurance?

It's best to take out a policy within days of making your reservations.

Does travel insurance cover COVID-19?

If you contract COVID-19 before or on your trip, it may be covered by your policy's trip cancellation/interruption benefit . You'll likely have to confirm your test results with a diagnosis from a healthcare provider.

Bottom line

Travel can be a wonderful experience, but it involves a lot of time, planning and money. Missing a single connection can have a cascade effect that impacts your flight, hotel room, dinner reservations and more. A good travel insurance policy can provide peace of mind so you can focus on your vacation.

Compare and find the best life insurance

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

Meet our experts

At CNBC Select, we work with experts with specialized knowledge and authority. For this story, we interviewed Beth Godlin, president of Aon, which provides custom travel insurance for tour operators, cruise lines, travel websites and others. We also spoke with former Squaremouth Megan Moncrief and Allianz communications director Daniel Durazo.

Why trust CNBC Select?

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

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

For rates and fees for the American Express® Gold Card , click here .

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Travel Insurance

Travel with confidence and peace of mind.

What is travel insurance?

There are four kinds of travel insurance: Medical, Trip cancelation, trip interruption, and baggage loss.

Each of these serve a different purpose:

Medical insurance : this protects you from the various costs from unexpected medical expenses, which can range from a quick hospital visit to extensive medical care.

Trip cancellation : between when you book a tour and when travel begins, many unexpected events can happen, from simple medical issues to surprises like jury duty or funerals – trip cancellation insurance means you don’t have to choose.

Trip Interruption : So your vacation has begun, but something happens, from a broken arm to Covid – yes medical insurance cover the basic costs, but what about the many days of the tour that you miss out on? Only Trip interruption insurance will pay you back for what you missed.

Baggage loss : yes, the airline promises to find your lost baggage (eventually) – but will they actually try to find it? No need to worry with Baggage loss insurance – you can replace your lost luggage and stop worrying, with no need to negotiate unresponsive airline bureaucracy.

Where to get travel insurance?

Mile Zero Tours offers comprehensive travel insurance through Manulife Canada – that includes all four types of travel insurance in a well-priced package – no medical questions, and no need to worry.

Feel free to compare by talking with your preferred insurance agent – but be sure to ask about “comprehensive travel insurance”.

Your travel with us should be worry free, so we always recommend considering travel insurance – after all, you deserve to relax well before your tour begins!

Mile Zero Tours is licensed and certified to provide travel insurance through Manulife World Travel , one of the most respected providers in the travel industry. Whether travelling outside of your province or out of the country for a few days or a few months, Mile Zero Tours can offer you the personalized coverage you need to be financially protected against the cost of unexpected emergencies that may happen prior to or during your trip. You protect your home and your belongings, so why not your vacation? You don’t want to worry about anything when you travel. No one expects to have a medical emergency away from home, or to have to cancel a trip due to an unforeseen emergency. But events happen, even to the most well-prepared travelers. You just never know.

Think you are currently covered with sufficient insurance?

“My credit card covers me.”

Emergency medical coverage on many cards stops at a certain age or duration. Some cards only cover trip interruption, not trip cancellation prior to departure. The majority of claims occur prior to departure. Some cards will not cover ANY pre-existing conditions regardless of stability. You may not be covered if a family member who is not travelling with you gets sick or injured and you have to cancel your trip.

“I have a group plan through work that covers me.”

The same applies to Group Insurance Plans. Ask if your spouse is covered for a subsistence allowance if you were to be in hospital and if it would pay for you both to return home. Does it cover loss or damage to your luggage? Do you have to pay first for covered medical expenses? Having to pay medical expenses up front can be devastating.

“ I am travelling within Canada; my provincial health care will cover this.”

Many people assume that all their costs will be covered if they are in an accident or have an emergency while out of their province of residence but still within Canada. Government health insurance plans (MSP in BC) do not cover all emergency medical expenses incurred outside your province or territory of residence. Often, they will only cover a portion. Government health insurance will also often not pay for emergency transportation such as ambulances (land and air), prescription drugs required, trip cancellation and interruption expenses (hotels, meals etc.) or loss or damage to your personal property, such as luggage or video camera. Many people do not realize the extra expenses involved in emergencies can be enormous, even while still in Canada.

Travel with confidence and peace of mind. Call Mile Zero Tours for your travel protection whether you require it for one of our tours or for any other travel adventure. Toll free at 1-844-590-0811 or 250-590-0811 .

Mile Zero Tours

208-620 View Street Victoria, BC V8W 1J6

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Best overall
Best for expensive trips
Best for exotic trips
Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

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

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

Best overall: Allianz Travel Insurance
Best for expensive trips: John Hancock Travel Insurance
Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler.

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
Single and multi-trip plans available
Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
Preexisting medical condition coverage available with some plans

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

John Hancock John Hancock Travel Insurance

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
Trip cancellation for 100% of the trip cost
Trip interruption insurance for up to 150% of the trip cost
Emergency medical coverage of up to $250,000 per person
Medical evacuation coverage of up to $1,000,000

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

World Nomads World Nomads Travel Insurance

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
Coverage for 150+ activities and sports
2 plans: Standard and Explorer
Trip protection for up to $10,000
Emergency medical insurance of up to $100,000
Emergency evacuation coverage for up to $500,000
Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans)
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

Trip cancellation coverage for up to 100% of the trip cost
Trip interruption coverage for up to 150% of the trip cost
Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

Travel medical coverage - This coverage will pay for your medical bills outside the US.
Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

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

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

**Enrollment required.

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Trip happens..

You need travel insurance for when the unexpected happens. Get a hassle-free quote to protect your next trip.

Trip Expenses

Health expenses & emergencies, your belongings, why travel insurance.

Your life. Your money. As a smart traveler, you need travel insurance that can protect the money you spent for your trip and your belongings, and cover medical emergencies while you’re on the road. Peace of mind is for everyone, whether it’s international travel insurance or trip protection for domestic trips in the United States. Trip happens anywhere. With trip insurance, you’ll be ready.

What does travel insurance cover?

Emergency Medical Evacuation and Repatriation
Trip Cancellation and Interruption
Lost, Stolen, Damaged, or Delayed Baggage
Travel Accident Insurance

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Why Seven Corners?

Traveler-focused excellence, dependable coverage, 24/7 urgent travel assistance.

When the unexpected happens, know what to expect from your travel insurance. Trust Seven Corners to be with you every step of the way. Get the best coverage for your trip.

Customizable trip protection that fits your needs and is easy to buy — do it yourself online or call our licensed agents
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Our all-around commitment to you, the ultimate traveler

Additional Resources

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How Does Travel Insurance Define a Pre-Existing Condition?

3 Frequently Overlooked Tips for Buying Travel Insurance

How Does Trip Insurance Help Me?

How to Read a Travel Insurance Policy

Frequently Asked Questions

What is travel insurance and how does it work?

Travel insurance works by protecting your health and the money you spent for your trip. Travel insurance provides several different types of benefits that are important before and during your trip. This can include coverage for:

Medical expenses for accidents and illnesses that occur on your trip.
Your trip expenses, including the nonrefundable trip payments you made for airfare, a cruise, excursions, hotels, and more.  
Your baggage and personal items if they are damaged, stolen, lost, or delayed.
Emergency medical evacuation if you become sick or hurt and the facility where you are located is unable to provide the level of care needed for your medical condition.

Also, all travel plans come with 24/7 urgent medical travel assistance services from our in-house team, Seven Corners Assist.

Learn more with our ultimate guide to travel insurance

Are travel insurance and health insurance the same?

Travel insurance is a limited benefit plan that covers you for illnesses and injuries that occur while you are traveling. Health insurance, on the other hand, covers medical treatment you may need on a continuing basis for routine and wellness health care, emergency care, and treatment of chronic conditions that exist without regard to a specific time frame or travel event.

Travel insurance can include emergency medical benefits, which can help cover the cost of treatment if you become sick or hurt while traveling. It is important to note that your domestic health insurance might not provide coverage in another country if you are traveling internationally.

The medical benefits in your travel insurance will vary depending on which plan you purchase, so we recommend contacting a licensed travel insurance agent and reviewing your plan document carefully to understand what is covered in your plan.

What type of travel insurance do I need?

There are two main types of travel insurance: trip protection plans and travel medical plans.

Trip protection protects U.S. residents while traveling within the United States and abroad and is important if you don’t want to lose the money you paid for your trip if you must cancel, interrupt, or delay your trip. This can include:

Reimbursement for your nonrefundable, prepaid trip costs such as airfare and hotel rooms, if you need to cancel, interrupt, or delay your trip for covered reasons
Coverage if you miss a cruise or tour connection
Coverage for lost, stolen, or damaged luggage
Coverage for emergency medical expenses and emergency medical evacuations

Seven Corners provides this protection in our Seven Corners Trip Protection plans for U.S. residents .

Read more about how trip insurance can help you.

Travel medical insurance provides high limits of medical coverage to protect you when you travel outside your home country. You can choose the medical coverage limit and deductible that best meet your needs while also providing the mandatory level of coverage for countries that require health insurance.

Seven Corners has customizable plans for travelers whose destination includes the United States and for those who plan to travel to countries other than the U.S.

Our plans can include acute onset coverage for pre-existing conditions for most travelers (coverage limits and availability are based on the traveler’s age) and emergency medical evacuation coverage if the medical care necessary to treat your illness or injury is not available at your location.

Seven Corners provides this protection in Seven Corners Travel Medical Insurance plans .

Read more about how travel medical insurance can help you.

Can you buy travel insurance after booking a flight?

Yes, you can buy travel insurance after booking a flight and, generally, any time before you travel. Some benefits, such as optional add-on Cancel for Any Reason (CFAR) coverage, are only available within a specified number of days after the date you make your initial trip deposit. If you’re adding coverage, such as for a flight after already booking and insuring a resort stay, certain benefits may only be available from the time you paid for your flight. This time period varies by plan. For this reason, we recommend purchasing travel insurance sooner rather than later.

When is it too late to buy travel insurance?

Travel insurance covers many events that happen before and during your trip. For this reason, we recommend purchasing insurance sooner rather than later.

For trip protection, certain benefit options may be available only if you buy coverage within a specified number of days from when you made your initial trip deposit. This time period varies by plan.

Travel medical insurance begins the day after you purchase your plan but not until you leave your home country. To ensure you have proper coverage, we recommend giving yourself as much time as possible to review your options and make sure you understand your plan document so you can be confident you’ve chosen the best coverage for you.

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Travel Insurance an Indispensable Part of Every Traveler's Checklist, Says Travel Agent Lisa Farrimond

Planning a long-awaited trip is exciting, and travelers often have a detailed departure to-do list of booking accommodations, transfers, and excursions, plus making sure that essential items, like passports and IDs, medication, and cameras, are properly packed. Unfortunately, one important checklist item is often overlooked – travel insurance.

According to seasoned travel agent Lisa Farrimond, founder of Crossing Point Travels , travel insurance is an important investment that compensates policyholders for financial losses during unexpected travel challenges – such as flight cancellation, baggage loss, or medical emergencies.

Peace of mind is priceless, and a good travel insurance policy can reimburse you for expenditures if your trip is delayed, changed, interrupted, or canceled for covered reasons like severe weather and airline hiccups. Also, travel insurance provides emergency medical and dental benefits for covered accidents.

While it is tempting to forego travel insurance to save money for souvenirs, Lisa often asks clients: "Will saving a few bucks really be worth it if it means sleeping on hard airport benches rather than in a hotel bed if your flight gets canceled?"

Lisa strongly recommends single-trip travel insurance policies and annual travel insurance. In an attempt to simplify the overall process for clients, Lisa created the " Covering the Unpredictable" series, starting with Top 14 Tips to Get the Best Travel Insurance Policy , the go-to guide for travelers wanting to make informed travel decisions.

"Finding the right policy is like planning the perfect trip, you want expert help," Lisa says. "Travel is my passion, and I love helping people plan dream trips, yet it's equally important to empower yourself with wisdom and options so you don't over or underbuy a travel insurance policy."

While cruise lines and resorts make it easy to add single-trip travel protection, what about your total travel lifestyle? What about all of your business and personal trips?

Your family's needs are as unique as a fingerprint, so how can you ensure that you have the ideal travel insurance coverage? This is where experienced travel agents, such as Lisa, come in. She uses her two decades of expertise in the travel industry as well as her extensive personal travel history to plan memorable experiences that are efficiently protected.

"You want to create memories and not bills," Lisa says.

In many cases, Lisa says an annual travel insurance plan offers the best value for your money. She says that many annual travel policies use a 100-mile radius, so this could potentially cover all of your business conventions, personal road trips, school contests, camping trips, and more. Family members can be added to a travel insurance policy at minimal cost, so she encourages clients to cover everyone.

"What if your work trip, your husband's golf tournament, your daughter's university tour, and your son's band contest could all be covered? Suddenly, travel protection takes on a whole new meaning," Lisa says.

With so many unknowns that could happen, she stresses the importance of reviewing travel insurance policies for your specific circumstances. Are you a snow skier, surfer, or scuba diver? Check to make sure your extreme sports are covered under any single policy or annual travel insurance policies you are considering. Will your medical expenses be covered? What about your equipment if it is lost in transit? Remember that many regular health insurance policies have limited out-of-network coverage and a travel insurance policy can close that gap between what is covered and what is denied.

Pre-existing health conditions, the type of trips you typically take (base jumping vs spa retreats), and the amount of needed coverage are all personalizations to consider. Some policies offer a 'cancel for any reason' clause, which allows the policyholder to be reimbursed, regardless of why they can't make the trip. While these policies are more costly than standard policies, they also provide the purchaser with increased flexibility and peace of mind.

Lisa says those who frequently rent cars might appreciate a rental car clause in their policy to avoid liabilities for unforeseen damages.

"My husband and I were on a road trip when a rock flew up and damaged our rental car windshield," Lisa says. "An Allianz policy came to our rescue, so we didn't have to pay for it ourselves, but this could have been an expensive lesson learned."

Most travel insurance companies offer the added bonus of a 24-hour hotline. In a pinch, they can help you find a vetted medical facility or a safe hotel in a crowded city. If your flight is canceled, a hotline agent can offer rebooking options. Other services include translation for language barriers, assistance for lost passports or prescriptions, and even embassy help during a state emergency or a medical evacuation.

"During my last cruise, there were two different passenger medical evacuations, and all I could think was, 'I hope they were insured,' because airlifts and international medical transportation are very expensive," Lisa says.

Of course, even with insurance, Lisa advises people to exercise common sense while traveling. Solo travelers should inform friends or family members of all travel segments. Once you secure your insurance policy, provide those details to people who can act on your behalf if incapacitated. And don't forget to share details with your travel companions, since they will be the fastest to respond.

Good documentation is important for filing a claim, so keep those official medical and police reports, receipts, and invoices. Take pictures with your phone if that is the only option.

"For better or for worse, life happens when you're traveling," she concludes. "Having a robust insurance policy is a set-it-and-forget-it type of purchase that provides peace of mind. It's important to get the right coverage, then you move on with your life and make sensible decisions from there. Begin every journey with a trusted travel agent by your side to offer you guidance and troubleshooting in complex travel matters."

Crossing Point Travels, based in Texas, offers a full-service travel agency and travel blog. Lisa offers free consultation for your travel insurance and trip planning needs.

Download a free copy of lesson one of Lisa's Top 14 Tips to Get the Best Travel Insurance Policy at Covering the Unpredictable: A Guide to Travel Insurance Policies.

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June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

Ukraine; Belarus; Moldova, Republic of; North Korea, Democratic People's Rep; Russia; Israel

This is a test environment. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site.

Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

The Savvy Traveler's Guide to Overseas Rental Car Insurance

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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Complimentary overseas travel insurance

If you have a Bankwest Platinum or World Mastercard ® , you may get some complimentary benefits – like overseas travel insurance. See what's covered, where to make a claim and how to upgrade.

Are you eligible?

You, your spouse and dependent children may get complimentary cover – as long as you’re travelling overseas together and have an open and activated eligible credit card.

The best bit? There's no minimum spend – the cover applies automatically if you're eligible.

You’ll have the basic benefits, with the option to upgrade for extra protection. There are some limitations and exclusions – like if you’re 80 or over, or have pre-existing medical conditions. For more information, refer to the Credit Card Insurance Product Disclosure Statement (PDF) .

Coronavirus (COVID-19)

COVID-19 cover under the Overseas Emergency Medical and Hospital Expenses benefit is now included for travellers whose journey commenced on or after 24 August 2022. If you have purchased any upgraded cover before 24 August, regardless of the date travel commences, COVID-19 cover is not included under Overseas Emergency Medical and Hospital Expenses benefit. There is no COVID-19 cover for cruise travel or cancellation claims related to COVID-19. Terms and conditions apply.

There is no cover under any other benefit for claims related to COVID-19 for all destinations. For more information please refer to the Credit Card Insurance PDS (PDF) .

What are you covered for?

Existing medical conditions and age limits.

Some existing medical conditions (like diabetes or asthma) and pregnancies are automatically included in your complimentary insurance - as long as you meet the specified criteria for the conditions. Check the Product Disclosure Statement (PDS) to work out if you're covered.

If your condition isn't automatically included, or you don’t meet the criteria for cover, you can complete a health assessment online through Cover-More. If you're approved, you can then purchase additional cover.

If you’re 80 or over

Your complimentary overseas travel insurance doesn't include medical or health-related cover. If you like, you can call Cover-More directly to enquire about other travel insurance options.

Looking for extra protection?

You can buy comprehensive and extended cover options through the Cover-More upgrade portal. Access it through the Bankwest App, otherwise you can call Cover-More on 1300 468 340 .

Comprehensive cover

Buy cover for cancellation (up to $15,000 if it’s just you or up to $20,000 if it’s your family too – this is already included if you have a World Mastercard), rearrangement and a range of other extras - like rental vehicle insurance excess cover and travel delay expenses. Limits apply.

Extended cover

If you have a Gold or Platinum Mastercard, you can extend your cover by up to two months. If you have a World Mastercard, you can extend it by up to six months.

Before you upgrade, make sure you check our Financial Services Guide (PDF) .

Check your cover

See your complimentary cover and visit Cover-More to make a claim or upgrade – all from the Bankwest App. Go to the ‘ Cards ’ screen from the bottom menu, choose on your eligible credit card then ‘ View insurance details ’.

'Manage my card' screen on the Bankwest App with 'View insurance details' highlighted

Credit card insurance terms & conditions

24/7 emergency assistance, before you call.

It helps to have info about the incident, plus any reports, valuations and photos handy when you call Cover-More.

Phone numbers

USA - 1833 567 5339
UK - 0808 234 1925
Canada - 1833 567 5339
NZ - 0800 735 915

Charges apply if you’re calling from a mobile or payphone. You can also call direct on +61 2 8907 5615.

Making a claim

Go to cover-more’s online portal.

To make sure you know what you can claim for, see the Credit Card Insurance Product Disclosure Statement and Information Booklet (PDF) . Cover-More can help you with questions about your cover and the claims process.

1. See what you might need to have handy

The time, date and location of the incident
A copy of the statement for your eligible card
Your police report, receipts, valuations and photos relating to your claim
Your phone number (so they can call you back)
Details of other parties involved.

Call 1300 468 340

Frequently asked questions

1. which cards are eligible for overseas travel insurance.

Bankwest Gold, Platinum and World Mastercard credit cards are automatically eligible.

2. Who’s covered under my insurance?

If your spouse and dependent children are travelling overseas with you, they’re protected too.

You no longer need to meet the minimum spend ($500 per person on prepaid travel expenses) in order to make them eligible.

3. Do I need a return ticket booked before I leave Australia?

No, you can book it while you’re overseas. Just keep in mind that the insurance is for travelling, not living overseas.

If you make a claim that includes a ticket to get you home, and you didn’t book one before you left, the cost of the fare will be deducted from the claim.

4. Where can I find my policy number?

You can find your complimentary policy number, upgraded policy numbers and claim info by calling or emailing Cover-More. Otherwise, you can do it from the Cover-More self-service portal through the Bankwest App.

5. Are my children eligible for overseas travel insurance?

Eligible dependent children are only covered if they travel with you for the entire trip.

Here’s Cover-More’s definition of an eligible dependent child:

All unmarried children, up to and including 18 years of age, who the cardholder has sole custody of and who live with the cardholder
All unmarried children, up to and including 18 years of age, of whom the cardholder has shared custody
All unmarried children, from 19 years of age up to and including 21 years of age, who are full-time students attending an accredited institution of higher learning in Australia and who the cardholder has/had sole or shared custody, and who are dependent upon the cardholder for their maintenance and financial support
All unmarried persons who are physically or mentally incapable of self-support who the cardholder has custody of and who live with the cardholder.

However, accompanied child/children never means an infant born on the journey.

For more info, call Cover-More on 1300 468 340 .

Need more help?

For questions about your cover and the claims process, call Cover-More. For help with your card, we're here 24/7.

Things you should know

Insurance is provided by Zurich Australian Insurance Limited, ABN 13 000 296 640, AFS Licence Number 232507 through its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover-More) for Bankwest, a division of Commonwealth Bank of Australia (Bankwest).

Limitations, exclusions (including for pre-existing medical conditions and persons aged 80 years or over) and eligibility criteria apply. You need to upgrade your overseas travel insurance in order to have a comprehensive or extended level of cover. Before acting on this information you should consider the appropriateness of the product with regard to your personal circumstances. See the Credit Card Insurances Product Disclosure Statement and Information booklet (PDF) and Financial Services Guide (PDF) for details.

Bankwest and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either Bankwest or any of its related bodies corporate. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase an upgrade policy, we (Bankwest) receive a commission which is a percentage of your premium.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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Vero - An award winning insurer

Access a range of commercial insurance products to suit your needs – whether you’re a small start-up or an established corporation – through an Australia-wide network of experienced insurance brokers.

An industry expert

With over 180 years’ experience, we provide market leading insurance products and solutions to businesses of all sizes. From start-ups through to large corporations, our focus is you and your customers success.

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We partner with brokers

If you’re a business owner, looking for the right protection to suit your needs, we offer business insurance exclusively through brokers and authorised agents, because we believe that impartial, specialist advice is important when it comes to selecting business insurance.

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Efficient claims process

We understand claim time can cause stress for customers, so we ensure that our claims teams have a caring, first responder’s attitude, along with the tools and skills to streamline the claims process.

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View our customer stories

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Wild Rye’s Bakery

At Vero, we understand the importance of claim time. See how we’ve helped customers in their times of need.

The Mower Place

We were on the scene quickly to help the team at The Mower Place come up with a safe way to continue trading while the damage caused by a fire was rectified. Watch the video for the full story.

Smart Repairs testimonial

Vero and Resilium Capital S.M.A.R.T Repairs customer testimonial video

Minimising patient disruption at Boronia Medical Centre

A third party broke into Boronia Medical Centre and started a fire, but quick thinking from Vero helped the practice reopen just 48 hours later.

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Online Terms

Insurance issued by AAI Limited ABN 48 005 297 trading as Vero Insurance (unless stated otherwise) Read the relevant Product Disclosure Statement or policy wording available on this website, through your broker or by contacting us for a copy before buying our insurance. The Target Market Determination TMD (if applicable) is also available. Any advice provided is general advice only and has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Subject to any rights you may have under any law, we do not accept any legal responsibility for any loss or damage, including loss of business or profits or any other indirect loss, incurred as a result of reliance upon it – please make your own enquiries. In accessing this website, you agree to the Online Terms .

IMAGES

Travel Insurance Explained
What is Travel Insurance and Who Should Get It?
The Simple Guide to Travel Insurance
How Does Travel Insurance Work
Travel Insurance
The Basics of Travel Insurance

VIDEO

Achieving Net Zero: Transforming the NHS Estate through Heat & Fleet Decarbonisation
zero meat, zero travel, zero clothes and 15 minute cities agenda
Road View of Arunachal Pradesh Zero
Is Travel Insurance Necessary for the First Few Weeks?

COMMENTS

Travel Insurance
When selecting a travel insurance provider, it's crucial to compare options. Obtain quotes from three to five insurers to ensure the best coverage and value. While it may seem time-consuming, this process can result in significant savings.. That's why we're here - over the past two decades, our industry-leading comparison engine has helped millions of travelers find highly-rated insurance ...
How to Find the Best Travel Insurance
Nerdy takeaways. Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more. Cost is affected by trip length, pre-existing medical conditions ...
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 ...
Best Travel Medical Insurance Of 2024
The Best Travel Medical Insurance for Visitors to the U.S. Atlas America - Best Overall. Patriot America Lite - Best for Cost. Patriot America Plus - Great for Trip Interruption Insurance ...
11 Best Travel Insurance Companies Of April 2024
Travel Insurance Expert. Updated: Apr 17, 2024, 5:23pm. Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations ...
Travel Insurance 101 (An Audio Guide)
Tune in today to hear how the unsexy topic of travel insurance can be fun, exciting, and even entertaining. You'll hear from a former reporter and current travel junkie Phil Sylvester. He's head of content at World Nomads- an online travel company that provides specialized travel insurance and travel safety services for independent ...
My Favorite Travel Insurance
I've been using World Nomads travel insurance relentlessly over 15+ years of travel. ... The Zero To Travel Podcast is packed with life-changing perspectives, inspiration and practical advice for everyone from travel newbies to nomads. Listen Now. Earn a FREE flight in 15 minutes.
Family travel insurance: What is it and do you need it?
The price of travel insurance depends on several factors, including the destination, trip duration, age of the traveler, state of residence and the type of coverage chosen. Expect to pay about 5% ...
World Nomads Travel Insurance: Is It Worth It? (Updated 2020)
Bottom line: Travel insurance is important, and you need it. In some cases, it's even mandatory (work and holiday visas or studying abroad). So to understand this shifting minefield of fine print, obscure providers, insurance…y words, and who covers what, Zero to Travel presents… * blaring trumpet sound * The Ultimate Guide to Travel ...
Travel Insurance Reviews, Guides, & Quotes
The Zero Complaint Guarantee is a promise that the travel insurance policy you purchase through our partner is from a reputable provider who will handle your claim fairly and honestly. Licensed claims adjusters to mediate on your behalf. Insurance rates are regulated by law. You can't find the same insurance plans for a lower price anywhere else.
Is Travel Insurance Worth It?
Travel insurance is a type of specialized protection that might help protect against financial losses from airline delays, medical issues or other unexpected occurrences. Some travel insurance plans focus on specific things, like lost baggage or health care. Others offer a wide range of benefits under a single plan.
Travel Insurance: What Does It Cover and Is It Worth It?
The right travel insurance should cover doctors' fees and hospital bills, Durazo said. The provider can also help coordinate care and ensure you're at a medical facility that's up to U.S ...
Compare Cheap Travel Insurance from £0.91 Per Day
Travel insurance. COMPARE CHEAP TRAVEL INSURANCE FROM £0.91 PER DAY. * 10% of customers were quoted 91p for single trip travel insurance between 1 Jan and 31 March 2024. Excludes customers with pre-existing conditions, 90% of sales are expected to have daily prices greater than the price stated above. The daily price is based on the length of ...
Travel Insurance
Many people do not realize the extra expenses involved in emergencies can be enormous, even while still in Canada. Travel with confidence and peace of mind. Call Mile Zero Tours for your travel protection whether you require it for one of our tours or for any other travel adventure. Toll free at 1-844-590-0811 or 250-590-0811.
Long Term Travel Insurance
If you travel abroad frequently, you need the convenience of an annual travel insurance plan, or long-term travel insurance, for multiple trips. You also need high limits of medical protection, including coverage for COVID-19 expenses and other illnesses and injuries that occur when you travel. Seven Corners Travel Medical Annual Multi-Trip ...
Best Travel Insurance for Seniors Guide
World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is ...
Travel Insurance With No Excess
Key points. Travel insurance with an excess is typically cheaper but will make any payout you receive smaller. Zero-excess travel policies cost more, but allow you to get 100% back from any payout. Another option is buying an excess waiver to make your policy excess-free. But always check policy wording - an excess may still be applied for ...
Travel Insurance
Travel insurance is a limited benefit plan that covers you for illnesses and injuries that occur while you are traveling. Health insurance, on the other hand, covers medical treatment you may need on a continuing basis for routine and wellness health care, emergency care, and treatment of chronic conditions that exist without regard to a ...
SafeTrip International Travel Insurance
By your side, worldwide. UnitedHealthcare Global provides you and your family with around-the-clock support, all over the world. Instant connection, 24/7, through our Emergency Response Center. Access to over 1.9 million physicians, clinics, and hospitals worldwide. 24/7 support available. 100+ languages. 150+ countries. 1.9M providers worldwide.
Risks of Travel Insurance with $0 Trip Cost
However, there are many travel insurance plans that allow customers to choose a $0 trip cost. With a $0 trip cost, travel insurance would still provide many benefits while on a trip, such as emergency medical, dental, AD&D, baggage loss or delay of baggage, emergency medical evacuation, travel delay and so on.
Travel Insurance an Indispensable Part of Every Traveler's Checklist
Crossing Point Travels, based in Texas, offers a full-service travel agency and travel blog. Lisa offers free consultation for your travel insurance and trip planning needs.
Travel Insurance by WorldTrips
In the State of California, operating as WorldTrips Insurance Services. California Non-Resident Producer License Number: 0G39705. WorldTrips offers a variety of customizable, budget-friendly travel medical and trip cancellation insurance plans to meet the needs of individuals and groups traveling for leisure, business, mission work, study ...
This Is How AI Is Changing The Way You Buy Travel Insurance
Travel insurance companies are also hush-hush about how they are analyzing data to set rates and identify patterns in fraudulent claims data. This story is a long time coming. Travel insurance ...
Travel insurance you can trust
Travel Assistance Services are provided by the designated provider listed in the policy or on your Confirmation of Coverage. Travelex Insurance Services, Inc. 810 North 96th Street, Suite 300, Omaha, NE, 68114. CA Agency License #0D10209.
The Savvy Traveler's Guide to Overseas Rental Car Insurance
Overseas rental car insurance requirements vary by country, so research your destination before you go. Consider purchasing the Rental Car Damage Protector from Allianz Global Assistance, which provides primary coverage for covered collision, loss and damage up to $75,000, in almost every country, for only $11 per calendar day.
Overseas travel insurance
Comprehensive cover. Buy cover for cancellation (up to $15,000 if it's just you or up to $20,000 if it's your family too - this is already included if you have a World Mastercard), rearrangement and a range of other extras - like rental vehicle insurance excess cover and travel delay expenses. Limits apply.
Vero Insurance
Insurance issued by AAI Limited ABN 48 005 297 trading as Vero Insurance (unless stated otherwise) Read the relevant Product Disclosure Statement or policy wording available on this website, through your broker or by contacting us for a copy before buying our insurance. The Target Market Determination TMD (if applicable) is also available. Any advice provided is general advice only and has ...
Aviva Zero
Welcome to Aviva Zero, our carbon-conscious car insurance. You'll benefit from our 5-star Defaqto rated comprehensive car insurance, with online access to your account. We also offset some of the carbon emissions created by your car when it is driven or charged. You can find us on price comparison websites.

Find The Best Travel Insurance Policy For Your Needs & Avoid Costly Surprises!

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Annual / Multi Trip Policies

Cruise Insurance Policies

Adventure & Sports Policies

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Why Trust Squaremouth?

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Key Travel Insurance Benefits

What Coverage is the Most Important?

Featured Articles

What Type of Insurance Do I Need?

How to Buy Travel Insurance on Squaremouth

Travel Insurance FAQs

Is Travel Insurance Mandatory for International Travel?

What Does Travel Insurance Cover?

How Much Does Travel Insurance Cost?

What Should I Look for When Comparing Travel Insurance?

Does Travel Medical Insurance Cover International Trips?

Are Pre-Existing Conditions Covered by Travel Insurance?

Will My Policy Cover Trip Cancellations?

What’s the Difference Between Single-Trip and Annual Travel Insurance?

What's the Process for Filing a Travel Insurance Claim?

Where Can I Buy Travel Insurance?

11 Best Travel Insurance Companies in April 2024

How we found the best travel insurance

Types of travel insurance

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

Trip cancellation

Trip interruption

Cancel For Any Reason

Baggage delay

Lost baggage

Travel medical insurance

How to maximize your rewards

World Nomads Travel Insurance: Is It Worth It? (Updated 2020)

Is $2 a Day and World Nomads Travel Insurance Really Enough to Protect Your Next Big Adventure?

Table of Contents

Why World Nomads is the Best Travel Insurance

What Does Travel Insurance Really Cost?

Why You Need Travel Insurance

The Ultimate Guide to Travel Insurance!

Standard Plan vs Explorer Plan

World Nomads Travel Insurance. Simple & Flexible.

How to Make a Claim with World Nomads

What Does Travel Insurance Really Cover?

Medical Expenses

Emergency Accident & Sickness Medical Treatment

Emergency Evacuation & Repatriation

Property Coverage: Insuring Your Gear

It’s Ok to be Basic…Sometimes

Per Article Limit: You Sneaky, Bastard

Trip Coverage: Cancellation, Interruption, Delay, and Missed Connection

Trip Cancellation

Types of Coverage

Basic Coverage

Premium Coverage

Adventure Activities Exception

Hidden Benefits: Your Credit Card

How to Choose the Best Travel Insurance

Medical Matters

Fear for Your Gear

Itinerary Idiot

Travel Insurance Price Comparison