best multi trip holiday insurance

The best travel insurance policies and providers

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

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

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

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

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

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

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

The best travel insurance providers

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

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

AIG Travel Guard

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

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

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

Preexisting conditions

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

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

Standout features

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

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

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

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

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

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

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

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

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

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

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

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

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

Purchase your policy here: American Express Travel Insurance .

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

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

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

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

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

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

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

Purchase your policy here: GeoBlue .

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

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

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

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

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

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

Purchase your policy here: IMG .

Travelex Insurance

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

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

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

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

Purchase your policy here: Travelex Insurance .

Seven Corners

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

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

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

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

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

Purchase your policy here: Seven Corners .

World Nomads

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

World Nomads offers two single-trip plans.

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

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

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

Purchase your policy here: World Nomads .

Other options for buying travel insurance

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

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

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

Is travel insurance worth getting?

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

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

What is the best COVID-19 travel insurance?

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

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

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

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

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

What are the different types of travel insurance?

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

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

Should I buy travel health insurance?

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

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

How much does travel insurance cost?

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

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

When and how to get travel insurance

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

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

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

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

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

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

Bottom line

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

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

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

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

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For the Frequent Traveler: The 11 Best Annual Travel Insurance Policies

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Table of Contents

The 11 best annual travel insurance policies, what is annual travel insurance, is annual travel insurance worth it, how much do annual travel insurance policies cost, does credit card travel insurance apply annually, choosing an annual travel insurance policy, final thoughts.

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If you take multiple trips every year, insuring each one can be a hassle. There are forms to fill out, comparison shopping over and over again, and then remembering the policy documents for each specific trip. And then there’s the risk you might forget to take out travel insurance for one of your trips.

Plus, those costs add up. There must be a better way.

Enter annual travel insurance. Also known as multi-trip travel insurance, taking out an annual policy covers you for a whole year of travel. Not only is it simpler, it may be cheaper than taking out multiple single-trip policies. But is it right for you?

Annual travel insurance policies aren’t exactly the same as the trip insurance you’d buy for a weeklong holiday with your family. Here are the best annual travel insurance policies, what they do and don’t cover, and how to decide whether taking out a yearly policy might be right for you.

GeoBlue Trekker Choice

GeoBlue offers 2 Trekker plans for annual coverage, which are unique in several ways. These plans cover preexisting conditions, COVID-19, and all travel outside the U.S.

However, they don’t cover any trips inside the U.S. or provide any coverage for canceled, delayed, or interrupted trips. Instead, these are travel medical insurance plans . With the GeoBlue Trekker Choice plan , you’ll get higher maximum payouts in all categories and pay a lower deductible ($100). However, note that this is still secondary coverage .

You’ll get unlimited access to telemedicine and coverage for trips up to 70 days in length . Additionally, coverage is available up to age 95, which isn’t offered on most other policies.

GeoBlue Trekker Essential

The GeoBlue Trekker Essential plan offers the same pros and cons as the Choice plan. The main differences are the lower maximum payout values and the higher deductible ($200 instead of $100). You also won’t get the Choice plan’s lost baggage and personal effects coverage, which can provide up to $500 per trip. Again, this secondary medical insurance policy is only valid on trips outside the U.S.

Trawick International Safe Travels Annual Basic

Trawick International offers 2 annual plans, and the Safe Travels Annual Basic plan is more economical. You’ll have coverage for everything you expect in a trip insurance policy , such as 100% coverage for trip cancellation or interruption (up to a $2,500 annual maximum) and coverage for delays, lost luggage, delayed luggage, and even medical expenses. To make up for the lower cost of the plan, coverage limits are lower than what you’ll find elsewhere . However, if you want peace of mind while traveling, you can get it for a year and cover trips up to 30 days in length.

Trawick International Safe Travels Annual Deluxe

While Trawick International’s Safe Travels Annual Deluxe plan offers higher maximum coverage limits than the Basic plan, its maximum payouts for medical and evacuation benefits are lower than what you’ll find with competitors . Where this plan shines is in the coverage for change fees, lost deposits on tours, and coverage for lost items if an airline misplaces your luggage.

You’ll be covered for up to $300 per trip for prepaid excursions, up to 100% of your trip cost (with an annual maximum of $5,000) for trip cancellations or interruptions, and up to $150 per item and $750 per trip for personal effects. After signing up for a plan, you’ll also get a 10-day free look period.

Allianz Travel AllTrips Basic Plan

If you want an annual plan with a low price tag , this could be what you’re looking for. The Allianz Travel AllTrips Basic plan covers you for unlimited trips up to 45 days each over the course of a year. Coverage includes emergency medical, emergency medical evacuation, baggage loss and delays, travel delays, rental car theft and damage, and travel accident coverage.

However, there’s a fair list of exclusions from this plan . That includes trip cancellation, trip interruption, missed connections, and change fees. As the name implies, you’ll get basic coverage at a basic price.

Allianz Travel AllTrips Prime Plan

The Allianz Travel AllTrips Prime option covers 365 days of trips, though the maximum trip length is just 45 days. While you’ll get coverage for all the standard travel insurance benefits, including trip cancellation, trip interruption, emergency medical, delays, and baggage mishaps, there are limits you should know about with this plan.

The travel accident coverage, which applies to death or the loss of a limb, maxes out at $25,000 per trip, baggage delay maxes out at $200, and baggage loss or damage maxes out at $1,000. The maximum coverage for emergency medical is $20,000, and costs can exceed that quickly in a true emergency.

However, this is a decent option if you want a fair amount of coverage across numerous categories without a high price tag.

Allianz Travel AllTrips Executive Plan

For those worried about expensive business equipment or losing points and miles, this plan has you covered. On top of higher maximum payouts in categories such as trip cancellation, emergency medical transportation, or travel delays, you’ll also get rental car damage and theft coverage, change fee coverage, and reimbursement for renting business equipment if yours is lost, stolen, damaged, or delayed during a trip.

Moreover, you can be reimbursed up to $500 to cover fees for reinstating your points and miles if a covered trip is canceled or interrupted. The Allianz Travel AllTrips Executive plan also provides coverage for preexisting medical conditions if you meet certain criteria and buy at least 14 days before the first trip.

Allianz Travel AllTrips Premier Plan

Allianz also has a customizable AllTrips Premier plan , allowing you to choose between several payout tiers for trip cancellation and interruption. You’ll pay more when choosing higher maximums, but this allows you to choose exactly what you want in coverage and not pay for more than you need. Another positive is coverage for preexisting medical conditions if you meet certain criteria and buy your policy at least 14 days before your first trip.

You’ll also get rental car damage and theft coverage , $500,000 of emergency medical transportation coverage, $50,000 of emergency medical, and coverage for travel delay expenses after a delay of 6 hours or more. The baggage delay coverage is up to $2,000, but it requires a delay of 12 or more hours. The maximum trip length allowed is 90 days.

AIG Travel Guard Annual Travel Insurance Plan

The AIG Travel Guard Annual Travel Insurance plan isn’t available to Washington state residents. Still, it provides coverage for trip interruption, trip delay, lost baggage, delayed baggage, and missed connections, as well as both medical and security evacuation, accidental death and dismemberment, and travel medical expenses. However, the coverage limit for dental is just $500, and the maximum coverage for travel medical expenses is just $50,000. Those are lower limits than other plans. Additionally, trip cancellation isn’t included.

However, Travel Guard has some strengths. Trip delay coverage applies for up to 10 days and requires a delay of just 5 hours, and the missed connection benefit applies after just 3 hours. You get a “free look” period of up to 15 days to cancel for a refund, so long as you haven’t started your trip or filed a claim. Maximum coverage for any particular trip is 90 days.

USI Affinity Voyager Annual Travel Insurance

USI Affinity’s Voyager plan has a Silver and Gold option , and pricing is easy to determine from the chart. Simply find your age bracket and the associated cost. The key differences between the plans are in the higher maximum payouts for nearly every coverage type with the Gold plan, other than emergency dental and accidental death and dismemberment. However, the Gold plan also includes coverage types the Silver plan doesn’t: political and natural disaster evacuation, airline ticket change fees, and trip interruption. However, trip cancellation isn’t included with either plan .

The maximum trip length is 90 days, and coverage for Silver and Gold plans lasts for 364 days. An unlimited number of international and domestic trips are covered, and you’re covered for trips as little as 100 miles from home. That’s a lower requirement than most other plans (which tend to require 150 miles).

Seven Corners Travel Medical Annual Multi-Trip

This plan is ideal for those who don’t live in the U.S., as other plans on this list are only available to U.S. residents and citizens. While the plan technically lasts for 364 days, Seven Corners’ Travel Medical Annual Multi-Trip plan is customizable. It lets you choose a maximum trip length of 30, 45, or 60 days and include or exclude coverage for the U.S. Note U.S. citizens and residents cannot add coverage for inside the U.S.

Seven Corners also provides coverage for travelers aged 14 to 75 years, though maximum payouts decrease in some categories for those aged 65 and older. If you receive medical care in the U.S., Seven Corners will pay 90% of the first $5,000 of covered expenses and 100% of the cost afterward. You’re covered 100% outside the U.S. Note that coverage doesn’t apply to your home country (which includes the U.S. if you’re a citizen, even if you live in another country) and isn’t available in Antarctica, Cuba, Iran, Israel, North Korea, Russia, Syria, or Ukraine.

A Plan That Didn’t Make Our List

We considered another plan. Here’s why this annual travel insurance policy didn’t make our “best of” list.

IMG Patriot Multi-Trip International : For trips inside the U.S., you may be on the hook for 20% of your medical expenses if you visit a provider outside IMG’s PPO network. Additionally, the maximum trip length is 30 days, and coverage limits are quite low in multiple categories. These include $50,000 for emergency medical evacuation and $10,000 for political evacuation, a maximum of $50 per item and $250 overall for lost luggage, a $100 maximum for dental treatment, and $25,000 for accidental death and dismemberment 24/7 coverage.

Annual travel policy plans vary considerably. Most provide secondary medical insurance, so you may need to submit to your other coverage (home healthcare plan, credit card insurance provider, etc.) first and then submit to your travel insurance provider for any remaining expenses or deductibles. If you won’t have other coverage, you may want to look for a plan that provides primary health coverage instead. Also, understand that most plans provide reimbursement, so you would pay out of pocket for overseas hospital visits and then submit to your insurance provider for reimbursement after the fact.

Annual travel insurance covers you for many trips over the course of a year (or sometimes 364 days). Rather than needing to buy a travel insurance policy for each trip separately — which can add up — you can buy a single policy that covers all your trips for the next year. It’s important to understand the terms of these policies, though. Some may require buying coverage in advance, such as 14 days before your first trip, while that requirement normally doesn’t exist on single-trip travel insurance.

It’s also important to note which types of trips and destinations are covered by your policy — and which aren’t. Look for how far from home you must travel to be covered and whether domestic trips are included. Moreover, consider what benefits you’re looking for. These can vary from medical-only to all the bells and whistles, such as baggage delay and medical evacuation. Once you know the type of coverage you want, you can find a policy or policies that align with your needs, helping you narrow down your options to conduct a more effective comparison.

How Annual Travel Insurance Works

Annual travel insurance works as an umbrella policy, covering all your trips during the policy period. You don’t need to inform the policy provider about each trip’s start and stop dates or destinations. You simply buy a policy, and then you’re protected for every trip that meets the conditions while your policy is in effect. Some regions may be excluded from coverage, and you may be subject to a maximum trip length.

Trip length is an important element to pay attention to. Annual travel insurance doesn’t cover you for a year-long trip. It covers you for a year for many small trips within that time, typically up to 30 or 45 days per trip. If you’re looking for a plan to cover you during a year-long trip to another country, you should look for specialized plans for study abroad, mission work, or other situations that apply to you. Traveling full-time? You may need a policy geared toward digital nomads and backpackers.

When To Buy an Annual Travel Insurance Policy

You should buy your annual travel insurance policy as soon as you know you’ll have multiple trips in the next year and determine that the cost of insuring each alone would be higher than that of a single multi-trip plan. What’s the break-even point on that cost? It depends on the coverage you want.

Considering that single-trip plans can sometimes be found for $10, yet an annual trip is likely to cost $150 or more per adult, you’d need 15 trips to justify the annual policy. However, that’s not really an apples-to-apples comparison, as a $10 basic travel insurance policy won’t provide as much coverage as you’re likely to find on even the most basic of annual policies.

It’s also not just about the number of trips you take but the types of trips, the complexity of the trips, and money at risk in nonrefundable costs. The more of these you foresee in your next year of travels, the more likely an annual plan would be good for you.

What Annual Travel Insurance Policies Do and Don’t Cover

We already highlighted that annual policies don’t cover traveling nonstop for a year due to their restrictions on the maximum trip length. Annual travel insurance policies also restrict how far you must travel for coverage to kick in. Driving to the next town over may be a trip in your kids’ eyes, but it’s probably not far enough for your travel insurance to kick in.

While coverage varies by policy, you’ll typically have coverage for sickness, accidental death and dismemberment, lost or delayed luggage, trip cancellation, and possibly injuries during skiing or snowboarding. However, it’s important to read the terms of each policy because coverage maximums and inclusions vary widely. Some policies only provide medical coverage, while others offer robust coverage across the board.

Understanding Trip Length Rules

Each policy specifies a maximum trip length. How trips longer than that are treated can vary. Most policies won’t cover any expenses related to a trip longer than the maximum trip length. Suppose you take a trip of 41 days on a policy with a maximum of 40 days. In that case, claims for delayed luggage or medical expenses may be rejected when the claim evaluator asks for your trip confirmation details.

However, GeoBlue covers the first 70 days of any particular trip. If something goes wrong during that time, you’re covered. You’re on your own for anything that happens on days 71 or beyond. Still, you’re covered on those first 70 days, despite taking a longer trip.

If you foresee long trips in the future, make sure you understand these rules.

For some travelers, yes, annual travel insurance is worth it. For others, it’s not.

Annual travel insurance is worth it when it costs less than what you’d pay to insure each trip individually. It’s also worth it if you think you might forget to purchase some of those individual policies throughout the year and would prefer to be done with them for another 365 days.

However, annual travel insurance isn’t worth it if you only take a few trips a year, they’re mostly domestic, and you don’t have major nonrefundable expenses. If you’re traveling within the U.S. with your standard health insurance policy in effect and you have credit cards that provide trip insurance for delays or cancellations, that coverage may be sufficient.

Costs will vary by your home state, age, and number of people included in the policy. Here are the “starting at” costs for our best annual travel insurance policies, sorted from lowest to highest:

Yes and no. Using a credit card to pay for your trip can provide some built-in protections. However, you should be mindful of annual maximums on any policy. You may run into limitations such as a maximum of 2 claims per 12-month period or similar exclusions. If you take many trips, that could be an issue.

To better understand what is and isn’t covered, check out our complete guide to credit card insurance .

To choose the right policy, look beyond the cost alone. Rather than immediately choosing the cheapest policy, find the policy or policies that provide the coverage types you want with payout maximums that cover your travel plans for the next year — both confirmed bookings and likely plans.

Consider your coverage needs. Will you be carrying expensive items such as scuba equipment for a trip to the Galapagos or top-notch camera lenses for a bird-watching tour in Papua New Guinea? How many extreme sports will you participate in?

Conversely, how many “never heard of this airline before” flights will you take to get off the beaten path? These are flights where you may be worried about cancelations that lead to extra costs or a misplaced suitcase.

Consider the types of trips you’ll take and the up-front money at risk if something goes wrong or you get delayed, then look at which plans align with your travels. From there, choose the best plan that aligns best with your needs, which may or may not be the cheapest one.

As an annual travel policy holder myself, I promise you that having the right plan is important when you wind up in a remote hospital in Tanzania with malaria.

Annual travel insurance isn’t right for everyone. However, it makes sense for those who travel often and could save money by taking out a single policy instead of many separate policies. It also makes sense if you’d prefer to avoid filling out paperwork numerous times throughout the year for each trip.

Annual travel insurance policies aren’t great for those who tend to travel closer to home, don’t have major nonrefundable travel expenses, or need to customize coverage for each trip because their travels tend to vary. For example, you might need different coverage for a backcountry ski trip with friends versus a 2-hour drive with your family.

Look at what annual policies do and don’t cover and see if these align with your travel goals and needs. Then, consider the prices for the plans that align well with your situation. After taking an informed look, you should have a good idea of whether an annual policy is right for your situation.

Frequently Asked Questions

Is yearly travel insurance worth it.

For some, yes. For others, no. Annual travel insurance is worth it when the cost is less than what you’d pay to insure each trip separately or you would prefer to just sign up once then be done for a year. However, annual travel insurance isn’t worth it if you only take a few, mostly domestic, trips a year where your healthcare coverage works, and you don’t have major nonrefundable expenses.

How much does annual trip insurance cost?

Costs vary greatly depending on the type of coverage you want. Annual travel insurance plan costs range from $140 to $500 for a single person. If you take a lot of trips, the cost can be worth it over the course of a year, but each person’s situation is different.

When should I take out annual travel insurance?

You should buy your annual travel insurance policy as soon as you know you’ll have multiple trips in the next year and that the cost of insuring each alone would be higher than the cost of a single multi-trip plan. What’s the break-even point on that cost? It depends on the coverage you want. Look at the different types of coverage and your expected costs for insuring each trip separately, then see if it makes sense for you.

Does annual travel insurance automatically renew?

It varies by policy provider, but some companies have an auto-renew feature to ensure you don’t have gaps in coverage.

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About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and now plans to let his wife choose their destinations. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.

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The 5 Best Annual Travel Insurance Plans of 2024

Allianz Travel Insurance »

AIG Travel Guard »

Seven Corners »

GeoBlue »

Trawick International »

Why Trust Us

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

Table of Contents

• Allianz Travel Insurance
• AIG Travel Guard

Buying travel insurance can be a smart move for most trips, but those who travel more than a few times a year should consider an annual travel insurance policy. Whether you regularly travel for business and/or take several vacations a year, annual travel insurance plans can help you get the coverage you need without having to price out and purchase protection every time you leave home.

If you find yourself in a situation where an annual plan makes sense, know that not all travel insurance companies offer this kind of coverage. You'll also want to consider the available annual travel insurance plans to see which options make sense for your travel style and the level of coverage you want.

Frequently Asked Questions

Annual travel insurance plans all work in their own way, but the majority let travelers pay one annual premium for coverage that lasts for up to 364 days. These plans often limit the length of individual trips that are covered within the coverage year. Per-trip and annual limits on coverage can also apply.

In some cases, annual travel insurance plans require a deductible or coinsurance for certain types of coverage. If you're considering an annual travel insurance plan because you take multiple trips each year, make sure you read over the policy details and understand all coverage limits and trip limits that apply.

The cost of annual travel insurance typically varies based on factors like the age of the travelers applying, included benefits and coverage limits. You will want to shop around to compare plans across multiple providers using a platform like TravelInsurance.com or Squaremouth before you settle on a travel insurance policy.

To provide an example of the cost of annual travel insurance, U.S. News applied for a quote for two 40-year-old travelers seeking coverage for eight trips over a 12-month period. The Squaremouth travel insurance portal quoted policies with costs that range from $206 for the GeoBlue Trekker Essential plan to $610 for the Safe Travels Annual Deluxe plan by Trawick International.

Annual travel insurance can be worth it if you take multiple trips each year and want to make sure you always have coverage in place. After all, the alternative to having a multitrip policy is buying a new travel insurance plan for every vacation you take. That's not always feasible for frequent travelers who are always jetting off somewhere new – often at the last minute.

Just keep in mind that annual travel insurance plans tend to come with lower coverage limits than plans for single trips, and that you'll pay a premium for coverage that comes with comprehensive benefits and high limits for medical expenses and emergency evacuation.

• Allianz Travel Insurance: Best Overall
• AIG Travel Guard: Best for Basic Coverage
• Seven Corners: Best for Medical
• GeoBlue: Best for Expats
• Trawick International: Best for the Cost

Tailor your annual travel insurance plan to your needs

Most plans include coverage for trip cancellation and interruption, travel delays, medical expenses, and more

Lowest-tier plans (AllTrips Basic and AllTrips Prime) come with no or relatively low coverage limits for trip cancellation

Most annual plans (except for AllTrips Premier) do not cover trips longer than 45 days

• Trip cancellation coverage worth up to between $2,000 and $15,000
• Trip interruption coverage worth up to between $2,000 and $15,000
• Emergency medical coverage worth up to $50,000
• Up to $500,000 in emergency medical transportation coverage
• Up to $2,000 in coverage for lost or damaged baggage
• Up to $2,000 in coverage for baggage delays
• Travel delay coverage worth up to $1,500 ($300 daily limit)
• Rental car coverage worth up to $45,000
• Up to $50,000 in travel accident coverage
• 24-hour hotline assistance and concierge service

SEE FULL REVIEW »

Annual Travel Insurance Plan offers year-round travel insurance protection

Relatively high limits for medical expenses ($50,000) and emergency evacuation ($500,000)

No trip cancellation coverage and relatively low limit ($2,500) for trip interruption coverage

No coverage for preexisting medical conditions

• Up to $2,500 in coverage for trip interruption
• Up to $1,500 in coverage for trip delays of five-plus hours ($150 per day limit)
• Missed connection coverage worth up to $500
• Up to $2,500 in baggage insurance
• Baggage delay coverage worth up to $1,000 for delays of at least 12 hours.
• Up to $50,000 for emergency medical expenses ($500 for emergency dental sublimit)
• Up to $500,000 for emergency evacuation and repatriation of remains
• Up to $50,000 in accidental death and dismemberment (AD&D) insurance
• Up to $100,000 in protection for security evacuation

Provides coverage worth up to $250,000 for emergency medical expenses

Tailor other included benefit levels to your needs

Coverage only applies to trips up to 40 days

Deductible up to $100 applies for emergency medical coverage and baggage and personal effects

• Trip cancellation coverage worth up to between $2,500 and $10,000
• Trip interruption coverage worth up to 150% of the trip cancellation limit
• Up to $2,000 in trip delay coverage ($200 daily limit)
• Up to $1,000 in protection for missed connections
• Up to $250,000 in coverage for emergency medical expenses ($50,000 in New Hampshire)
• $750 dental sublimit within emergency medical coverage
• Up to $500,000 in coverage for emergency medical evacuation and repatriation of remains
• Up to $2,000 in coverage for baggage and personal effects
• Baggage delay coverage worth up to $1,000 ($100 daily limit)
• 24/7 travel assistance services

Get annual coverage for medical expenses and routine medical care

High limits for medical expenses and emergency medical evacuation

GeoBlue plans don't offer comprehensive travel protection

Deductibles and copays apply

• Ambulatory and therapeutic services
• Inpatient hospital services
• Emergency medical services
• Rehabilitation and therapy
• Preventive and primary care

Choose among three tiers of annual travel protection

Option for basic protection with affordable premiums

No coverage for preexisting conditions

Maximum trip duration of 30 days per trip

• Trip cancellation coverage up to $2,500 maximum per year
• Trip interruption coverage up to $2,500 maximum per year
• $200 per trip for trip delays (up to $100 per day for delays of 12 hours or longer)
• Up to $500 in coverage per trip for baggage and personal effects
• Baggage delay coverage up to $100 per trip
• Up to $10,000 for emergency medical expenses per trip
• Up to $50,000 in emergency medical evacuation coverage per trip
• Up to $10,000 in AD&D coverage
• 24-hour travel assistance services

Why Trust U.S. News Travel

Holly Johnson is a travel expert who has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world. On a personal level, her family uses an annual travel insurance policy from Allianz. Johnson works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – within their family media business and travel agency .

You might also be interested in:

The 5 Best Family Travel Insurance Plans

Holly Johnson

Explore the options to protect your family wherever you roam.

8 Cheapest Travel Insurance Companies Worth the Cost

U.S. News rates the cheapest travel insurance options, considering pricing data, expert recommendations and consumer reviews.

The 6 Best Vacation Rental Travel Insurance Plans

Protect your trip and give yourself peace of mind with the top options.

Is Travel Insurance Worth It? Yes, in These 3 Scenarios

These are the scenarios when travel insurance makes most sense.

Multitrip Travel Insurance

• Annual Travel Insurance

Single Trip Travel Insurance

Family travel insurance.

• Travel Disruption Insurance

Ski Insurance

• Winter Sports Insurance
• Covid-19 Benefits
• Cheap Travel Insurance
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• Holiday Travel Insurance
• Travel Insurance Europe
• Travel Insurance Ireland
• Travel Insurance USA
• Travel Insurance Canada
• Manage Your Policy / Renew
• Get a Quote

Travel Insurance for over 70s

Annual travel insurance from £19.99*, affordable travel insurance.

Multitrip.com offers comprehensive travel insurance, whether you're traveling for business, pleasure, or adventure. We understand that unexpected events can occur, causing disruptions and inconvenience. That's why we are here to provide you with peace of mind by protecting your travel plans at affordable prices.

Flexible choice

Whether it's a weekend trip to Europe, a backpacker holiday to Asia, or multiple trips around the world each year, you can rest assured that with Multitrip.com you will find a travel insurance policy to suit your needs.

Expert Service

We believe that everyone deserves to travel with confidence, knowing that they are backed by a reliable and trustworthy insurance provider. Our team of experienced professionals are committed to delivering a high level of service and support, providing you with the assistance you need when you need it the most.

Covid Cover

We are committed to ensuring that you are protected against any unforeseen circumstances during your travels, including those related to COVID-19 medical and cancellation. With our enhanced coverage, you can rest assured that you are in safe hands. Learn More .

Travel Insurance Reviews from Multitrip.com Customers

So helpful on the phone and easy to get travel insurance at a great price would highly recommend. John - 5 Star Review - 31 st January 2023

UK's Trusted Travel Insurance Provider

Looking for travel insurance that gives you peace of mind no matter where you are? Here are three reasons to travel with Multitrip.com:

Competitive Prices

The travel insurance we offer is not only affordable, but we also allow you to compare travel insurance benefits across the three levels of cover.

Multi-Award-Winning Provider

Multitrip.com is part of Cover-More Blue Insurance Services Limited, winner of numerous Best Travel Insurance Provider awards and Deloitte's Best Managed Companies Award.

Friendly Customer Service Team

Our customer service team is always happy to help you via phone, email and social media.

Easy Claims Process

The claims process is made as fast, simple and straight forward as possible. Liaise with an experienced team, committed to providing the highest standards of service.

Types of Travel Insurance

No matter what your travel style is, we’ve got a travel insurance type for you:

Planning a one-off trip? Whether it’s a long or short getaway, Single Trip Holiday Insurance could be the best option for you. read more >

Love travelling? Save money with Annual Travel Insurance - it covers unlimited trips, so you can holiday as much as you like. read more >

Travelling with children? Protect your family under one Multitrip Travel Insurance policy. read more >

Hitting the slopes? Add Winter Sports Cover to your policy and stay protected whether you’re skiing or snowboarding. read more >

Find affordable holiday insurance with comprehensive cover for seniors over 70s. read more >

What Does Travel Insurance Cover?

Discover six of Multitrip.com travel insurance benefits* below or explore more details here .

Cover the expenses of unused and non-refundable travel and accommodation costs in case you need to cancel or cut short your travel.

Cover financial expenses should injury, illness or death occur during your trip outside the UK.

Have 24/7 assistance should you require medical emergency abroad, repatriation or curtailment while on holiday.

Get cover against accidental loss of, theft of or damage to baggage/personal belongings.

Cover the expenses you become legally liable to pay if you cause another’s bodily injury or property damage.

Get reimbursed for the costs of travel delays if your scheduled public transportation is delayed for over 12 hours.

Cancellation or Curtailment

Medical expenses, emergency assistance, baggage & personal belongings, personal liability, delayed departure.

*Terms & Conditions apply.

Upgrade Your Travel Insurance

Planning a holiday that's unique to you? At Multitrip.com, you can include additional travel cover to suit your specific needs:

   Winter Sports

  travel disruption,   flight cancellation,   wedding,   business,   golf,   cruise connection,   excess waiver,   gadget insurance, travel insurance tips.

• Purchase your policy straight after you've booked your trip:  If you buy your holiday insurance as soon as you book your flights and accommodation, Multitrip.com travel insurance can provide cover should mishaps affect your holiday before you even leave home.
• Personalise your cover to match every inch of your itinerary:  Hitting the slopes for a snowboarding sesh? Worried volcanic activity will affect your dreamy holiday? You can protect your bespoke trip with the additional coverage options.
• Always check if exclusions relating to health apply:  Multitrip.com travel insurance does not cover claims arising from the medical conditions and contains health exclusions. Please check your policy wording.

• Mexico Travel News
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• Hidden Travel Gems

8 Best Health TRAVEL INSURANCE Plans for Trips in 2024

When you are thinking about travel insurance, you might be wondering, do I really need it? Is it really worth purchasing travel insurance? Well, it is not only about getting sick and requiring medical attention. Flights may be delayed or you may be forced to return home in the event of an emergency. Travel delays can cost you a fortune if you do not have travel insurance. In many cases, you lose the money you have already paid and have to pay for additional bookings.

If your luggage is lost, stolen or damaged, replacing all of its contents, including clothing, personal devices, and medications, can be very expensive. Travel insurance can help you cover some of the cost of these items.

Best TRAVEL INSURANCE Plans for 2024

Safetywing – our favorite pick.

Best for nomads, (long/short-term) tourists, and remote workers regardless of their nationality .

Travel medical insurance for short or long-term travelers.

• Great fit for digital nomads, tourists, and remote workers regardless of their nationality. Ideal for long but also short-term trips!
• COVID-19 Coverage: As of August 1st, 2020, this insurance covers COVID-19 disease and works the same as any other illness and does not fall under any other policy exclusion or limitation.
• Price vs Age: Quite affordable considering the pandemic – These prices cover 4 weeks or 28 days with up to a maximum of 364 days after which you will need to repurchase.
• 10 to 39 years old US $40.04 (If you are not traveling in or to the United States)
• 10 to 39 years old US $73.08 (If you are traveling in or to the United States)
• 40 to 49 years old US $64.68 (If you are not traveling in or to the United States)
• 40 to 49 years old US $120.40 (If you are traveling in or to the United States)
• What about outdoor activities – Am I covered?: Safetywings covers more than 94 recreational activities including surfing, biking, hiking, and snowboarding.
• Do I have to pay insurance for my young children? 1 young child (aged 14 days to 10 years old) per adult, up to 2 per family are covered for free.
• This insurance does not cover citizens from Iran, Syria, North Korea or Cuba (or have Cuba as your citizenship).

Click here to learn more about this plan.  

SafetyWi ng Travel Insurance Reviews on Trustpilot :

For long-term digital nomads, we also recommend checking their Remote Health insurance which is more pricey but covers pre-existing conditions or covers you also in your home country.

You might also be interested to check 8 digital nomad insurance plans comparison.

Heymondo Travel Insurance

Best for travelers going on single trips who don’t want to commit to a long-term contract.

Most travel insurance companies offer protection for 30 days to 6 months. Heymondo not only offers protection for long stay plans, but also for single trips when you are traveling for work or tourism and know your departure and return dates. 

• Great fit for – Single or multiple-single-trip travelers
• Heymondo covers medical assistance from USD $100.000 up to USD  $10.000.000 (conditions apply)
• Coverage limit – USD $ 250,000 or USD $ 500,000 depending on your plan
• Time of purchase: You can get it before or during your trip
• You don’t need to commit to a long-term contract

Other benefits:

Heymondo Travel Insurance Reviews from Trustpilot

Both Heymondo Top and Heymondo Premium cover:

• Medical and dental emergencies overseas
• Medical transport and repatriation
• Baggage 
• Travel disruption
• It may be a little bit expensive. For a 2-week trip from the U.S. to Europe Heymondo Premium costs USD $ 97.95, Heymondo Top costs USD $ 76.63 and Heymondo medical costs USD $ 73,56.
• Heymondo medical doesn’t cover baggage loss or travel disruption.

CoverAmerica-Gold, Travel Insurance for US by VisitorCoverage

Best for nomads, tourists, and remote workers visiting the US

CoverAmerica-Gold is a good choice for travelers visiting the U.S. who are NOT citizens or residents of that country. VisitorsCoverage offers plenty of insurance plans for needs of any kind of travel.

• Great fit for nomads, tourists, and remote workers visiting the United States
• Coverage limit? It may cover up to US1,000,000 (conditions apply).

Other benefits

• Covers acute onset of pre-existing conditions
• Loss of passport or travel documents 
• Foreign excursions and cruise coverage around North America 
• Emergency dental treatment & eye exam
• Missed connection benefit available during international travel to the U.S.
• Prices by age

Source: Cover America Gold Brochure

• It’s NOT available for Americans, US Green Card Holders or long term visa holders, who stay in the USA permanently, and pay taxes in the USA.
• It does NOT cover citizens from Iran, Syria, US Virgin Islands, Ghana, Nigeria, and Sierra Leone. 

Click here to learn more about this plan.

Travel Insurance for Canada by VisitorCoverage

Very similar package to the one mentioned above for traveling to the United States.

This plan is ideal for US citizens traveling to Canada but also visitors from other countries around the world.

Check more info about this plan here.

TRAVELEX INSURANCE SERVICES – FOR ALL TYPES OF TRIPS

Travelex insurance has built its travel portfolio considering not only regular travelers but also digital nomads and the new remote workers. 

It has demonstrated excellent coverage on single trips, short luxury getaway weekends as well as long stays in foreign countries. 

One of the features we like the most about Travelex Insurance Services is that this company allows people to customize their coverage according to the particulars of their travel needs. Another good characteristic is that even the basic plan gets you ALL the essentials. We find it a great fit for avid travelers because it brings flight-specific protection. 

We have gathered some pros and cons so you can make an informed decision!

• 24/7 Assistance with a travel concierge! – How many times have you missed great spots or haven’t accessed to benefits just because you did not know they existed? Well, Travelex travel assistance will serve you as travel concierge even in legal matters. Nobody knows when you can mess up with unknown rules in a foreign country. 
• Similar to the previous one. In case of a medical emergency, Travelex will cover your emergency treatment and evacuation. It also includes a companion. 
• In case you, or your companion passes away, this policy also covers the cost of transporting remains home.
• 98% of insurance claims are paid.
• In case you have to cancel or interrupt your trip for any of the covered reasons, you will get a reimbursement of the money you have already spent on your trip.

Beware that some basic services may have an additional cost. 

It’s not the cheapest one. A 22-year-old remote worker can pay from $ 324 and $491 for a 90-day trip.

World Nomads

First and foremost, World Nomads travel insurance has been endorsed by National Geographic, Eurail, International Volunteer HQ, and Lonely Planet. This may give you the first sneak peek of the quality of the service you are buying. 

World Nomads insurance covers nomads, remote workers and adventure seekers from 150 countries. You can purchase short or long-term according to your travel needs. 

Let’s talk about the basics in the middle of a pandemic; this insurance offers medical evacuation and 24-hour emergency assistance. This may be related to adventure activities you are engaging in, or in case you get sick with COVID in a country that may not have the medical facilities you are used to. 

• If you want to engage in extreme sports or very adventure activities, their Explorer program will cover you at every step. 
• Extending your coverage service is at your fingertips. Once your coverage is over you can go online and easily extend it.  
• Claims are handled very quickly.
• Its Explorer Policy is unique in the market.
• It can be a bit expensive. But if you are a kind of adventure traveler, this is the right fit for you. 
• World Nomads cover people in more than 150 countries; this also means that costs and coverages can vary depending on the area you are traveling to. 
• It’s quite possible you need to have health insurance in your country of origin in order to get their add-on services.
• Scooter related accidents are mostly not covered.

World Nomads insurance gives you probably the best coverage if you like to engage in adventure activities at a fair price. The World Nomads standard plan, pretty much covers what others do. But in case you want an upgrade, this would be a great choice.

PassportCard Insurance

At PassportCard they constantly adapt and improve based on what the nomad community wants.

In a digital world, people don’t have to be limited by borders anymore. That’s why PassportCard give you access to quality healthcare. Anytime, anywhere since they are committed to provide a superior service experience.

Complete Flexibility

• You have the option of extending the duration of your plan.
• Cancel it or adjust your insurance coverage.
• Have you made any new plans? Depending on your needs, you can add additional protection.

The red card

• Use the Red Card to pay your medical bills.
• There’s no need to wait for repayment.
• Simply open the app, file a claim, and they will load money onto your card so you can pay any bills straight away.
• The app provides insurance services 24 hours a day, seven days a week.
• Find a doctor near you, load money onto your card, view your plan’s coverage benefits, change your information, and more.
• 24-hour emergency service

 Other features

• Your policy can be acquired while you are already abroad.
• Monthly subscription – cancel or extend at any time
• Pay with the red card rather than your own money.
• International coverage starts at $59/month.

STARTER (starts at $59 / Month)

Traveling for less than six months? Enjoy emergency medical coverage as well as a variety of travel insurance advantages such as laptop and camera search and rescue, baggage loss, and extreme sports.

Up to $500,000 per policy period. Min. insurance period of 1 month.

REMOTE (Starts at 119 / Month)

Traveling for more than 6 months? Stay protected whether traveling or working outside of your native country.

Take emergency medical coverage, non-urgent elective medical treatment expert consultations, office visits, and wellness care with the Starter offer’s optional travel features.

Up to $1,000,000 per policy period. Min. insurance period of 1 month.

COMFORT (Starts at $200)

Traveling for more than 12 months?

If you are a professional globetrotter who spends years traveling, you nesaed comprehensive international health insurance.

This includes emergency medical care, non-urgent elective medical treatment, specialist consultations and office visits, hospitalization for persistent conditions, chronic and routine medical care, and an excellent wellness benefits package.

Up to $3,500,000 per policy period.

Liaison Travel Plus*

Best for tourists, and remote workers visiting the U.S

Travel insurance for visitors to the U.S. and U.S. citizens traveling abroad. 

• Great fit for nomads, tourists, and remote workers around the world.

Coverage features

• Coverage limit?  Up to 5,000,000
• Worldwide coverage including the USA
• Worldwide coverage excluding the USA
• Any pre-existing conditions? – It covers them through the benefit for acute onset of pre-existing conditions.
• Price – It depends on several factors. You can buy from 5 to 364 days. Click here for prices.

Other traveler benefits

• Loss of checked baggage – US $50 per article, US $500 per occurrence
• Trip interruption US $5,000
• Travel delay US $100 per day, 2-day limit per occurrence
• Lost or stolen travel documents US $100
• Border entry protection (for non-United State residents traveling to the United States) US $500
• Personal liability US $50,000
• Travelers must be at least 14 days old and under 75 years to be covered by this plan
• It does not cover citizens from Iran, Nigeria, Cuba, Iran, Syria, Virgin Islands, Gambia, Ghana, Sierra Leone, and North Korea.
• It does not cover trips to Antarctica, Iran, Syria, Cuba, and North Korea.

*(Administered by Seven Corners, Lloyd’s of London and Tramont Insurance Company)

AXA – Global Healthcare / Travel Insurance

Best for British citizens traveling and working overseas, ex-pats, and other EU citizens

This company provides medical care, routine checkups and lengthy hospital stays for travelers around the world.

• Great fit for British citizens traveling and working overseas, ex-pats and other U.E. citizens.
• This insurance company allows choosing between long-term and short-term stays.
• Price – Depends on the countries you are visiting or living in.
• You will not be covered for Coronavirus if you travel to a country against the advice of the Foreign and Commonwealth Office (FCO) for a leisure trip.

Click here for more info about insurance plans with this company

Few More Travel Insurance Companies:

• AXA Schengen Insurance
• USI Affinity Travel Insurance Services – Ruby Policy
• TravelSafe Insurance
• Safe Travels Voyager – Great for Seniors
• Coverwise , Travel Insurance
• Allianz Global Assistance
• TravelTime Travel Insurance
• IMG Global , The BEST TRAVEL INSURANCE For Seniors
• CAT 70 – Forbes 5-Star Insurance Provider

TRAVEL INSURANCE FAQs:

Travel insurance should start on the day when your journey to your destination begins.

The price of travel insurance depends mostly on the type of coverage, age and length of the trip. It can start as low as $10 per day.

We consider SafetyWing as one of the best travel insurance companies but there are plenty of other reliable insurance travel companies that we recommend in our post.

We hope you’ve liked this comparison of health travel insurance plans! We hope you’ve found a suitable plan for your next adventure during these rough times!

Let us know in the comment below if you have any suggestions, ideas or feedback about travel insurance. We appreciate any kind of feedback.

• Travel Insurance
• Best Travel Medical Insurance

Best Travel Medical Insurance Of 2024

Fact Checked

Updated: May 31, 2024, 9:50am

WorldTrips and IMG are the best travel medical insurance companies for visitors to the U.S., based on our analysis.

If you’re going to have family or friends from another country visit you, they should plan to buy travel medical insurance. Health insurance from other countries isn’t usually accepted in the U.S. and the cost for medical treatment in the states can add up quickly.

Travel medical insurance, also called visitors insurance, can provide financial compensation for a visitor’s medical expenses if they get sick or injured during their trip to the U.S. We evaluated visitors insurance policies to find the best travel medical insurance.

How We Chose the Best Travel Medical Insurance

We assessed cost, out-of-network reimbursement levels, maximum coverage amounts and more. Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. You can read more about our editorial guidelines and the methodology for the ratings below.

• 9 comprehensive travel medical insurance plans researched
• 126 data points analyzed
• 102 years of insurance experience on the editorial team
• Best Travel Insurance Companies
• Cheapest Travel Insurance Plans
• Best Senior Travel Insurance
• Best Covid-19 Travel Insurance Plans
• Best Annual Travel Insurance

Summary: Best Travel Medical Insurance for Visitors Coming to the U.S.

What is travel medical insurance, what does travel medical insurance cover, travel medical insurance vs. travel insurance, what isn’t covered by travel medical insurance, how much does travel medical insurance cost for visitors to the u.s., methodology, other travel medical companies we rated, best travel medical insurance frequently asked questions (faqs).

Source: Forbes Advisor research. *Patriot costs are based on a $50,000 policy because $100,000 wasn’t available.

The Best Travel Medical Insurance for Visitors to the U.S.

Best for cost, img (visitorscoverage) patriot america lite.

Eligible ages

14 days to 99 years

Coverage amounts

5 days to 365 days

Extendable?

Yes, up to 365 days

We picked the Patriot America Lite policy because its prices are significantly lower than the competitors we assessed. That can make up for out-of-network care, which is at only 80% coverage until you surpass $5,000 in services. We recommend checking out the Patriot America Lite policy if low costs and robust trip interruption benefits are important to you.

• Lowest cost among the policies we evaluated.
• Generous trip interruption benefits of $10,000.
• Decent choice of deductibles and coverage limits.

Related : IMG Travel Insurance Review

• The only plan among those we evaluated that does not cover acute onset of pre-existing medical conditions.
• Standard care, urgent care and emergency care out-of-network are only covered at 80% for the first $5,000 in services.

Best Overall

Worldtrips atlas america.

5 days to 364 days

Yes, up to 364 days

We chose the Atlas America comprehensive policy because it hits all the high marks for benefits across the board—including high coverage limits, a generous selection of deductible amounts and great trip interruption coverage.

• Competitive costs.
• Excellent trip interruption benefits of $10,000.
• High coverage limit of $2 million available.
• Generous choice of deductible amounts.
• Out-of-network services covered at 100%.

Related : WorldTrips Travel Insurance Review

• Pre-existing medical conditions not covered (though acute onset of pre-existing medical conditions is covered).
• $200 copay for emergency room care.

Great for Trip Interruption Insurance

Img (visitorscoverage) patriot america plus.

We like the America Plus plan because it provides decent coverage at a good price and includes generous trip interruption benefits. The low price may make up for out-of-network care being covered at only 80% for the first $5,000 in services.

• Low cost compared to other top-rated companies.
• Ample trip interruption benefits of up to $10,000.
• Does not cover pre-existing medical conditions (though does cover acute onset of pre-existing medical conditions).

Best for Urgent/Emergency Care Reimbursement

Seven corners travel medical basic usa.

We recommend checking out the Travel Medical Basic USA plan if you value having urgent care and emergency room care covered at 100% over coverage for pre-existing conditions.

• Competitive price and coverage amounts up to $1 million.
• Urgent care (in-network and out-of-network) covered at 100% after copay.
• Emergency room care (in-network and out-of-network) covered at 100% after copay.

Related : Seven Corners Travel Insurance Review

• Does not cover pre-existing medical conditions (but covers acute onset).
• Out-of-network standard care only covered at 80% for the first $10,000 of care, compared to others at 100% or 80% for the first $5,000.
• Trip interruption benefits are low at $2,500.

Best for Deductible Choices

Trawick safe travels usa comprehensive.

1 year to 89 years

We recommend the Safe Travels USA Comprehensive plan because it has top-notch benefits at a decent price. The policy offers the most deductible choices among the travel medical insurance policies we evaluated. We also picked it because it provides 100% coverage for out-of-network care and 100% coverage for emergency and urgent care.

• Competitive cost.
• Urgent care and emergency room care out-of-network covered at 100% after copay.
• Most choices for deductibles among plans evaluated.
• Provides coverage of up to $125 for one wellness visit to a doctor.

Related : Trawick Travel Insurance Review

• Trip interruption coverage of $5,000 is low compared to some competitors we evaluated.
• Acute onset pre-existing medical conditions covered, but not pre-existing conditions.
• Dental benefits of $250 are lower than some competitors.

Travel medical insurance for visitors to the U.S. provides short-term medical coverage It compensates you up to the policy limits for medical expenses if you get sick or injured during your trip.

Sometimes called visitors insurance, these policies are designed for non-U.S. citizens traveling to the U.S. for trips lasting a few weeks or a few months, up to a year. For example, travel medical insurance is a common type of travel insurance for parents visiting the U.S . whose adult children live here.

Americans traveling abroad can also buy travel medical insurance for themselves, often as part of comprehensive travel insurance policies that cover trip cancellation, travel delays and much more.

A comprehensive travel medical insurance policy for visitors to the U.S. generally covers inpatient and outpatient services, urgent and emergency medical services and other health care, as well as a range of other types of care.

Here are examples of what’s covered by the Atlas America policy.

The main difference between travel medical insurance for visitors to the U.S. and travel insurance is the scope of medical benefits. Travel medical insurance provides much more coverage for medical treatment than standard travel insurance policies.

For example, travel medical limits for standard travel plans generally tops out at $500,000. You can find travel medical insurance with coverage up to $2 million.

Travel medical insurance is like short-term U.S. health insurance plans—they have deductibles, copays and provider networks. But standard travel insurance policies have more robust coverage for non-medical pre- and post-departure problems.

Benefits vary by policy, but typically here’s how travel medical coverage compares to standard travel insurance .

The list of exclusions varies by insurance policy but can include:

• Cosmetic and elective surgeries
• Injuries due to extreme sports
• Intentional self-inflicted injuries
• Suicide or attempted suicide
• Injury or illness while over the legal limits for alcohol

Be sure to review your policy for details on what conditions and activities are not covered.

Travel medical insurance is relatively affordable considering that you can buy high coverage amounts for long trips to the U.S. Costs will depend mainly on the visitor’s age, trip length and the medical coverage amount and deductible chosen.

To identify the best travel medical insurance for visitors coming to the U.S ., we scored only comprehensive travel medical plans on the following criteria:

Cost (50% of score): Plans with lower costs were awarded the most points.We analyzed average rates for:

• A 70-year-old traveler from India coming to the U.S. for 90 days, with coverage of $100,000 with a $250 deductible (or closest deductible).
• Two travelers ages 60 and 65 coming from India to the U.S. for 30 days, with coverage of $50,000 with a $100 deductible (or closest deductible).

Trip interruption benefits (10% of score): Points were awarded if policies included $10,000 or more in trip interruption benefits. If a visitor has to cut their trip to the U.S. short and return home, this coverage can pay the costs. The reason for the trip interruption must be listed in the policy in order to make a claim.

Choices of policy maximum coverage amounts (10% of score): Points were awarded if the policy had maximum medical coverage amounts of $500,000 and up.

Urgent care out-of-network reimbursement (10% of score): Policies that cover out-of-network urgent care at 100% (after copay) earned points.

Emergency room out-of-network reimbursement (10% of score): Policies that cover out-of-network emergency room care at 100% (after copay) earned points.

Emergency dental care (10% of score): Points were awarded if emergency dental care coverage was $300 or more.

Get Forbes Advisor’s ratings of the best insurance companies and helpful information on how to find the best travel, auto, home, health, life, pet, and small business coverage for your needs.

Do I need travel medical insurance if I have health insurance?

Visitors to the U.S. need travel medical insurance if they want to be reimbursed for medical expenses if they get sick or injured here. Health plans from other countries aren’t usually accepted in the U.S.

You also need travel medical insurance if you are a U.S. citizen taking a trip to another country. U.S.-based health plans will have limited or no coverage in foreign countries, so it’s prudent to consider medical insurance for trips abroad.

Does travel medical insurance cover pre-existing conditions?

Some travel medical insurance policies cover pre-existing medical conditions—and it’s usually with coverage caps—but not all do. Many travel medical insurance plans for visitors to the U.S. cover the acute onset of pre-existing medical conditions. This coverage generally provides necessary emergency care for a medical emergency that is life threatening or requires immediate medical treatment if you experience a sudden and unexpected outbreak or recurrence of a pre-existing condition. There are coverage limits, so be sure to read the details of the policy.

How far in advance should I purchase travel medical insurance if I’m coming to the U.S.?

It’s prudent to purchase travel medical insurance before you get to the U.S., so that you have medical coverage in place. Occasionally a policy will require purchase at least 30 days in advance if you want certain features, such as a rider to cover pre-existing conditions.

Is travel health insurance ever required?

Travel health insurance isn’t required to enter the U.S. Still, it can be a smart purchase so that you don’t end up with thousands of dollars in medical bills after an injury or unexpected illness while you’re visiting the U.S.

Next Up In Travel Insurance

• Best “Cancel For Any Reason” Travel Insurance
• Best Senior Travel Insurance Plans Of August 2024
• Average Cost Of Travel Insurance
• How To Get Cheap Travel Insurance

Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine editor covering consumer technology, a foreign correspondent for Time and various newswires and local newspaper reporter.

Top Travel Insurances For Russia You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

The world's largest country, Russia is known for its history and cultural heritage, with landmarks such as the Red Square, St. Petersburg, and the Hermitage Museum. Although travelling to Russia can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Russia and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Russia Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Russia:

Best Travel Insurances for Russia

• 01. Do I need travel insurance for Russia? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Russia scroll down

Heading to Russia soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Is Travel Insurance Mandatory in Russia?

No, there's currently no legal requirement to take out travel insurance for travel to or through Russia.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Russia or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Russia:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Russia, no matter whether you're planning to ice skate in Gorky Park in the winter or sunbathe in Sochi in the summer.

VisitorsCoverage lets you choose between various plans tailored to meet the specific needs of your trip to Russia, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies, and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Russia:

• Policy Names: Varies
• Medical Coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip Coverage: Excellent - but only available for US residents.
• Customer Support: FAQ, live chat and phone support
• Pricing Range: USD 25 to USD 150 /traveller /month
• Insurance Underwriter: Lloyd's, Petersen, and others
• Best For: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option for Russia, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy Names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical Coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip Coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer Support: FAQ, live chat, phone support
• Pricing Range: USD 80 to USD 420 /traveller /month
• Insurance Underwriter: David Shield Insurance Company Ltd.
• Best For: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads in Russia because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy Names: Nomad Insurance, Remote Health
• Medical Coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip Coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing Range: USD 45 to USD 160 /traveller /month
• Insurance Underwriter: Tokyo Marine HCC
• Best For: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Russia? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Russia

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Russia. However, we strongly encourage you to do so anyway, because the cost of healthcare in Russia can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Our recommendations are always unbiased and independent.

Single trip travel insurance is designed to cover one specific holiday or trip. If you plan to travel more than 2 times per year, our annual multi trip policy may be better value.

We can only cover people up to the age of 85, if you are over this age, you can get cover from our partner Goodtogoinsurance.com. To buy a policy from them online click here , or call them on 0330 024 4478.

An annual multi trip policy can save you money if you travel 2 or more times per year. It also means you won't have to set up a new policy every time you go.

We can only cover people up to the age of 74. If you are over this age you could try our single trip policy which has an age limit of 85. Alternatively, you may get cover from our partner Goodtogoinsurance.com. To buy a policy from them online click here , or call them on 0330 024 4478.

We offer our Globetrotter policy to those looking to travel for between 60 and 365 days on one journey.

We can only cover people up to the age of 65. If you are over this age you could try our single trip policy which has an age limit of 85. Alternatively, you may get cover from our partner Goodtogoinsurance.com. To buy a policy from them online click here , or call them on 0330 024 4478.

Our winter sports policy covers you for a range of activities, on or off-piste (within resort boundaries), whether you are a skier or a snowboarder. Check the policy wording for a full list of the winter sports covered. Adding this cover to annual multi trip policies will cover you for up to 17 days per year.

This includes cover for travel to: England, Scotland, Northern Ireland, Wales and the Isle of Man.

This includes cover for travel to: Aland Islands, Albania, Andorra, Armenia, Austria, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Channel Islands (including Guernsey, Jersey, Alderney, Sark and Herm), Chechnya, Croatia, Cyprus, Czech Republic, Denmark (including Faroe Islands), Egypt, Estonia, Finland, France (including Corsica), Georgia, Germany, Gibraltar, Greece (including Greek Isles), Greenland, Hungary, Iceland, Italy (including Aeolian Islands, Sardinia, Sicily), Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Morocco, Netherlands, Norway (including Jan Mayen, Svalbard Is), Poland, Portugal (including Azores, Madeira Islands), Romania, Russia (West of the Urals), San Marino, Serbia/Montenegro (including Kosovo), Slovakia, Slovenia, Spain (including Balearic Islands, Canary Islands), Sweden, Switzerland, Tunisia , Turkey, Ukraine, UK Area (Great Britain and Northern Ireland), The Republic of Ireland and Vatican City.

Please note: This policy excludes travel to countries or regions which the Foreign, Commonwealth and Development Office (FCDO) have advised against travelling to. It is recommended that, before travelling, you check the foreign travel advice area provided by the FCDO which can be found at www.gov.uk/foreign-travel-advice .

Travel anywhere in the world. Please note: This policy excludes travel to countries or regions which the Foreign, Commonwealth and Development Office (FCDO) have advised against travelling to. It is recommended that, before travelling, you check the foreign travel advice area provided by the FCDO which can be found at www.gov.uk/foreign-travel-advice .

Travel anywhere in the world, except USA, Canada, Mexico, Caribbean. Please note: This policy excludes travel to countries or regions which the Foreign, Commonwealth and Development Office (FCDO) have advised against travelling to. It is recommended that, before travelling, you check the foreign travel advice area provided by the FCDO which can be found at www.gov.uk/foreign-travel-advice .

For annual multi trip policies, cancellation cover is provided from the selected policy start date. If you require cancellation cover to begin immediately, please select today as the policy start date.

For single trip policies, cancellation cover is provided from when you purchase your policy.

Please select the traveller who you wish to book insurance for. If there is a group of you, please select the Group type of policy.

A couple who are legally married, common-law partners or living at the same address. All limits and excesses are per person irrespective of one or both travelling on the same trip.

A family is considered to be a legally married couple, a common law husband and wife, a single parent or adult couple who have lived at the same address for at least one year and up to 4 children aged under 18 (or up to 22 if in full time education). Under 2s travel free on an Adult or Couple Policy (please select Family, under Type of policy to set this up).

If your group has more than 8 people, please call us at 0800 068 0060.

Please note: All limits and excesses are per person (unless otherwise stated) irrespective of whether travelling on the same trip or individually.

Travel Insurance for Russia

Explore moscow and st petersburg with the right cover for your holiday  .

Russia is the biggest country in the world and offers plenty for holidaymakers to explore, with each city providing new experiences and sights to see.

According to the United Nations’ World Tourism Organisation , the country ranked ninth in Europe for tourist numbers in 2018 with 24.6 million international visitors.

Moscow and St Petersburg are two of the busier cities for holidaymakers, but there is much more to see if you are keen to explore further. Kizhi Island, Vladivostok and Sochi are all stunning destinations to head to if you are planning a trip and they all have unique spots to enjoy.

If you are keen to travel and discover what the country has to offer, then make sure that you have travel insurance in place in case something happens during your trip.

Do I need a visa and travel insurance for Russia?  

Travel insurance is essential for a trip to Russia and helps ensure that you have adequate cover for emergency medical costs, as well as protection for your luggage and potential flight delays. Columbus Direct offers both single trip and annual multi-trip policies , and they can be tailored to suit your needs. This includes getting optional add-ons for winter sports , golf cover and extra protection for gadgets that you take with you on holiday.

If you plan to travel to the country, then you will need to apply for a visa from the Russian embassy. All UK citizens aged 12 or over will need to get their fingerprints scanned as part of the application, which involves visiting a visa application centre in the UK. Your visa will include your passport details as well as the dates of your stay. Your passport should also have at least six months remaining at the time that your visa expires. You might also be required to show that you have an insurance policy that is valid for the entirety of your trip.

When visiting as part of a cruise, you don’t require a visa if you are there for less than 72 hours and the tour has been booked through an official company.

Vaccinations  

Specific vaccinations aren’t required , but you are advised to ensure that your primary courses and boosters are up to date, such as MMR and the flu vaccine. The NHS website also suggests that you could also consider boosters and vaccines for other illnesses such as diphtheria, tetanus, hepatitis A, hepatitis B and rabies. If you are unsure whether you should get vaccinations, it is worth checking with a GP ahead of your trip. Holidaymakers should also be careful in areas with a high altitude, as it you can sometimes experience negative effects, and you should look out for show signs of Acute Mountain Sickness if you are feeling unwell.

Is Russia part of Europe for travel insurance?  

When it comes to getting travel insurance for a holiday in Russia, the type of cover will depend on which region you are travelling to.

West of the Ural Mountains is usually considered to be part of Europe and travel to this province can be covered by a Europe policy. It has a large portion of the country's population, even though it only covers a quarter of the Russian territory, and it includes major cities like Moscow and Saint Petersburg.

The eastern side of the Urals forms part of northern Asia and is commonly known as Siberia. To have valid cover here, you will need to get worldwide travel insurance . This will ensure that you have protection for your trip, including medical cover and personal baggage that is damaged, lost or stolen. If you intend to visit both sides of the country, then you would need to get worldwide insurance to cover both areas.

If you are planning another trip over the next year, then annual multi-trip cover could be the cheaper option. Worldwide coverage would mean that you can travel as far as America, Canada and Australia within a one-year period without the need to get more travel insurance.

Russia travel advice

Arriving in russia.

Visitors are advised to carry their passport with them at all times, as there can often be random checks from police. You will also be required to register with the local authorities if you are staying in a location for more than seven working days. This is normally done automatically for you when staying at a hotel, but your host will need to do it if you are staying somewhere else.

The EHIC is not valid there, which makes travel insurance even more important, as it can help with healthcare costs that you could face. Hospitals often require cash or credit card payments in advance of treatments . You can usually bring prescription medication if you are planning to use it for personal needs, but some medicines require certain prescriptions to be allowed into the country, so it is worth checking with the Russian Embassy if you are unsure.

If you are planning to drive, you will need to get an International Driving Permit (IDP), and your car insurance policy must have a third-party cover as a minimum. The RAC’s guide to driving in the country explains that speed limits vary depending on what area you are in, but generally residential zones are limited to 37mph in built-up areas and 68mph on expressways. When driving you should carry all of your documents with you including your full valid driving licence, IDP, proof of insurance, passport and visa. Your car is also required to carry specific items such as a warning triangle, first aid kit, spare bulb, headlamp beam deflectors and a fire extinguisher.

The size of the country

The current population is estimated to be around 145 million people, making it the ninth most populous country in the world. This is despite it being the largest country in terms of land mass. Moscow is by far the most heavily populated area, with an estimated 12.4 million people living in the capital. The amount of people in Eastern cities is sparser, compared to the west which has considerably more citizens.

As the country is so vast it means that there are several different time zones, so the local time can vary quite dramatically depending on where you are. There are currently eleven time zones  spanning across the country, ranging from UST +02.00 in Kaliningrad to UST +12.00 in Chukotka. The time where you are will depend on which region you are staying in, and if you plan to travel around the country then it is likely that your time zone will change several times.

What to do on holiday in Russia

Being such a large country means that it is often impossible to see everything during one visit. The different regions can vary in their culture, as well as the sights and history that you can experience while you are there.

Many tourists will look to visit Moscow, the capital of Russia, during their first trip to the country. Red Square is one of the city’s most visited spots and it is known for its stunning architecture and for being home to the current president. It is also home to several tourist spots include St Basil’s Cathedral and Lenin’s Mausoleum, as well as a market square where you can find vendors selling a variety of items and food.

St Petersburg is the second biggest city, with over five million people living there, and it has several popular tourist spots. The State Hermitage Museum is one of the most well-known tourist attractions, and it is the second-largest art museum in the world. It was founded in 1764 and has a vast art collection spanning over three million items, including work from various parts of the world.

There is also the Church of the Savior on the Spilled Blood , which was built during the 19 th century as a way of memorializing Alexander II. The Peterhof Palace can also be visited in St Petersburg and it has various gardens and palaces to explore. There is also the Winter Palace of Peter I, which visitors can walk around with private tours available for those looking to learn about its history. There is also an exhibition complex with historical items and paintings available to view.

The country has several nature spots to visit such as the Stolby National park near to Krasnoyarsk. There is also the Kamchatka Peninsula which is 1,250 kilometres long and can be found in the far eastern part of Russia. Visitors can see volcanoes, rivers and hot springs, as well as snow peaks in some areas of the region.

If you plan to get involved in some activities during your trip, make sure that it is covered as part of your travel insurance. Columbus Direct includes 150 sports and activities for free with every policy, which ensures that you are protected for football, zip-lining, yoga and various other activities.

If this isn’t enough, you can also get the Adventure pack add-on to include even more sports to your cover, while our Winter Sports option offers protection for skiing, snowboarding and other winter activities. This includes emergency medical treatment and helicopter rescue, as well as cover for your equipment and delays on your trip because of piste closures and avalanches.

How to travel around Russia  

It is the largest country in the world and if you are planning to visit more than one area, then you will need to decide on which mode of transport you want to use. There are many different options with local flights and trains considered to be the most popular choices.

There are over 150 airports in Russia, including five in Moscow. Which can make it easier to travel between cities, but you are advised to plan your trip beforehand. Aeroflot is the largest airline in the country, but it doesn’t travel to all airports. This means that you may have to look at other options depending on where you are looking to visit. You can compare them by using Airline Ratings , which rates them by safety standards, and it also includes details on seating, entertainment and food in-flight.

Experience the Trans-Siberian Railway

When it comes to trains, the Trans-Siberian Railway is one of the most well-known rail trips in the world. It runs from Moscow to Vladivostok, while there is also the option to take alternative routes through Mongolia and China . Each journey on the train can provide a different experience, as you have the option of going on various excursions, and the train has many different stops that it can make along the way.

Some of the most popular stops on the Tran-Siberian Railway include Yaroslavl, which is a city originally founded in 1010 and it is a UNESCO World Heritage site . The stunning city has a long history that you can see as you walk through the streets, while there are several 17 th century churches to visit as well.

There is also Lake Baikal , which is a historic lake in the Russian region of Siberia, and it is believed to be the deepest lake in the world. The area has a host of wildlife, including several species of plants that can only be found at the lake, as well as various freshwater fish and seal. Lynx and bears can also be found living in the surrounding area.

Some of the other trains can travel incredibly fast, such as the Sapsan , which moves between Moscow and St. Petersburg at an average speed 155 miles per hour.

What are the risks of travelling to Russia?

Most of the country is safe to visit, particularly if you remain mostly in the tourist areas. There are cases of pick pocketing and theft in some parts, so tourists are advised to keep their belongings close and to not leave any bags unattended. It is particularly common on public transport and in busy streets when travelling through some of the busier cities.

There are also some taxis that operate without a licence, and the safer option is to use a taxi app to book your journey or order a cab through your hotel. There have also been reports of drink spiking, which can lead to robberies and abuse, so it is advised that you buy your own drinks and keep them in your sight.

There have been a few terrorism attacks over the last ten years, including a suicide attack in St Petersburg in April 2017, while there have also been attacks in Moscow and other cities. There has been an increase in civil unrest and kidnapping in North Caucasus, while the Foreign and Commonwealth Office (FCO) has advised against travel to various areas, including Chechnya, Dagestan and Ingushetia.

Russia is also known for having a low tolerance towards LGBT+ issues, and it was ranked poorly by ILGA-Europe , which examines countries and their progress towards equality . The country has no laws in place to protect LGBT+ people from discrimination and hate crimes, and Moscow Pride was banned for 100 years back in 2012. There have been reports of violence and harassment to members of the LGBT+ community, and tourists are advised that public displays of affection could put you in danger if it draws negative attention.  

What to do if something happens while I’m away  

If you require the emergency services while you are in Russia, the main contact line is 112 .

You can also call 101 for the national emergency telephone line, 102 to reach the police , and 103 for medical emergencies .

You can also reach out to the British Consulate General Ekaterinburg or the British Embassy in Moscow on +7 495 956 7200 .

Your Single Trip Travel Insurance comes with a number of benefits. These include:

• Our policy can protect you from 1-365 days. Even if you only plan on having one trip, you can let your holiday last even longer.
• Cover for up to £15 million provided for medical expenses. Including emergency medical treatment, repatriation and the services of a medical assistance company
• Insurance may be available if you have a pre-existing medical condition . Let us know if you or any other insured parties require additional cover, and we will do our best to accommodate.
• We provide cover for up to 150 sports and activities free of charge. Let you hair down and try your hand at some of the sports and activities which may be on offer.
• Your baggage will be insured for up to £2500, including your valuables and delayed baggage. Should your luggage or personal belongings become delayed, lost, stolen or damaged during your trip.
• Optional - Winter sports , ski and snowboard cover can be included. Which includes a whole lot more than just ski and snowboarding!
• Optional - Gadget cover can be added. Add extra cover for your mobile phone, tablet or laptop with up to £1000 protection against theft, damage or loss on your trip.
• You can be eligible for single trip insurance up to the maximum age of 85 . Be free to travel the world whether you're young, or young at heart

Key benefits of cover:

24h medical assistance services: included.

• Should you require emergency medical treatment or repatriation, our policies provide you with access to a 24hr multilingual staffed medical emergency company.

Medical Expenses: up to £15 million

• Whether its injury or illness, our policies cover you for both emergency in-patient and out-patient treatment, which includes non-routine prescription charges, consultations, physiotherapy and even emergency dental treatment. If it becomes medically necessary to repatriate you back to your home country, then this is covered too.

Cancellation and Curtailment: up to £5,000

• We will compensate you for any unused accommodation and travel expenses which you lose or incur as a result of having to cancel / curtail your holiday due to certain reasons.

Personal Property cover: up to £2,500

• We cover the loss and theft of and damage to your baggage & personal belongings. We also provide you with an allowance to purchase essential replacement items in the event that your checked-in baggage is delayed for a certain period of time.

Frequently Asked Questions:

Am i covered for off piste and without a guide.

You’ll be covered for skiing and snowboarding both on and off piste provided you stay within resort boundaries. You don’t need to be accompanied by a guide.

Why do I need a winter sports policy?

If you’re planning to take part in any winter sports on your trip, you’ll need extra cover to insure you whilst you’re participating in winter sports activities. This extends the policy to cover you whilst you’re skiing or snowboarding – including emergency medical expenses cover if you suffer an injury. It also includes useful extras, like cover for your skiing or snowboarding kit (whether it’s owned or hired), piste closure cover and more

When should I purchase my ski policy?

If you want cover for a single trip, cancellation cover starts as soon as you buy your policy – so if you’ve already put a deposit on your ski holiday or paid for your flights or hotel, it makes sense to sort your travel insurance out right away. 

If you’re considering an Annual Multi-Trip policy to cover all your travel this year, then cancellation cover starts from the start date on your policy.  So if you’ve paid for your trip, enter the policy start date as today to make sure your holiday is protected. 

Don’t forget, there’s a 14 day cooling off period from the date of receiving your policy documentation – during which you can receive a full refund, provided you haven’t already travelled.

Does my EHIC cover me for winter sports in Europe?

The European Health Insurance Card  (EHIC) currently allows UK residents to be treated in EU countries as well as Norway, Liechtenstein and Iceland, on the same terms as citizens of the country they are visiting.  It doesn’t cover the cost of repatriating you back to the UK airlifts off the mountainside. 

Not all countries included in the EHIC agreement have totally free healthcare, so the Foreign and Commonwealth Office have always advised that the EHIC in no way replaces your travel insurance policy but it can help to reduce your costs.  We will remove the excess payable on any medical claim where an EHIC has been used.

If you have any unanswered questions, please visit our Winter Sports FAQ’s page for more information .

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Travel insurance tailored for you, why columbus direct.

• FREE airport lounge access if your flight is delayed for more than 1 hour
• Over 150 sports and activities covered free
• Award-winning products and services
• Over 15 million customers since 1988

General election latest: Starmer takes pop at Johnson hiding in fridge as he refuses to comment on Abbott row

At the launch of Labour's "battle bus", Sir Keir Starmer said a vote for his party was a vote for "change and hope". The Tories are also launching their campaign bus - as a new poll suggests they could be left with only 66 seats in the election next month.

Saturday 1 June 2024 16:42, UK

• General Election 2024

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Election news

• Starmer launches 'battle bus' - and makes Johnson fridge gag
• Sunak pledges £20m to 30 towns across UK
• New poll suggests Tories will lose all but 66 seats
• Watch: Teen asks Sunak 'why do you hate young people?'
• Be in the audience for our election leaders event
• Live reporting by Ben Bloch and (earlier)  Faith Ridler

Expert analysis

• Beth Rigby: Starmer made an unforced error
• Paul Kelso: How do Labour and Tory energy pledges measure up?  

Election essentials

• Trackers: Who's leading polls? | Is PM keeping promises?
• Campaign Heritage: Memorable moments from elections gone by
• Follow Sky's politics podcasts: Electoral Dysfunction | Politics At Jack And Sam's
• Read more: Who is standing down? | Key seats to watch | How to register to vote | What counts as voter ID? | Check if your constituency is changing | Your essential guide to election lingo | Sky's election night plans

We've just been speaking with the founder and publishing director of Cocoa Girl, the UK's first magazine for black girls, about Labour's treatment of Diane Abbott in recent days.

In case you missed it, after days of uncertainty and following Ms Abbott's claim that she would be blocked, Sir Keir Starmer said yesterday the veteran politician is "free" to stand for the party at this election ( more here ).

The magazine has an exclusive interview with Ms Abbott about her life and career in politics in their latest edition, and we asked what the reaction to it has been.

Serlina Boyd said it has been "amazing", and they have "had letters from children saying, thank you for allowing us to read about Auntie Diane".

She described Ms Abbott as "amazing", and feels as though there could be "different choices" about the images of her that are published more broadly in the public domain.

Asked about the impact of the row with Labour on black people who may look at politics as a potential career route, Ms Boyd said the rally held in Hackney in support of her showed the community "pull together" and say "we're behind you".

The treatment of her by Labour was "not very nice", she added.

But Ms Boyd explained that her own 10-year-old daughter has a poster of Ms Abbott on her wall, and said: "For her, she wants to use her voice, she's seen the power of using your voice, and that's what it's going to do for young people, young children.

"It's going to show them that if people want to go low, you go high, and I think that is the power of when people see the community coming together."

By Dr Hannah Bunting, Sky News elections analyst, and Joely Santa Cruz, data journalist

The prime minister has taken a defensive approach, signalling the Conservatives' worry about being so far behind in the polls.

Sir Keir Starmer's visits show the scale of their ambition and highlight Labour's awareness of the challenge they face. They need to gain 125 seats to win the smallest possible majority.

Labour ambitious

Labour's visit to nearby Derbyshire Mid in the East Midlands shows the scale of their boldness. They need more than a 16-point swing to take the seat from the Tories, but their recent mayoral wins might mean they are feeling confident about convincing the voters here.

These stops in the Midlands show the regions to be a key battleground between the two main parties. The Conservatives had 76 MPs across the East and West, so it's crucial for their general election fortunes. The extent of Labour success here could be the difference between them being the largest party or gaining a decisive majority.

The range of seats visited by Sir Keir demonstrate just how ambitious Labour are in their targets. They aren’t shying away from places with big Conservative majorities, and kicking off their campaign in Kent tells us they think they can win in regions only Blair managed to conquer.

Labour's eyes on the prize

Eight Conservative defended seats have had the pleasure of a visit from Sir Keir Starmer, but he has also found time to venture into SNP territory in Scotland. Why? Well Labour are also taking aim at John Swinney and his party's troubles.

Every seat Labour can win off the SNP in Scotland reduces the number they need from the Tories directly in England and Wales for a majority.

The Glasgow constituencies that were once dominated by Labour are key battlegrounds. So, unsurprisingly, the Labour leader chose to head to Glasgow East. This has had significant boundary changes, resulting in an estimated 15% majority for the SNP.

Here is the full breakdown of Sir Keir Starmer's campaign visits so far:

Rishi Sunak's very first campaign stop was Erewash in the East Midlands, a seat that should be considered safe with its 22% Conservative majority, but one he clearly thinks could be vulnerable.

A Labour victory here would be at the cusp between Labour becoming the largest party in a hung parliament or taking an overall majority, if similar levels of voter swing were replicated at a national level.

The last time Labour held Erewash (which has not undergone boundary changes in this cycle) was from 1997 to 2010, under Tony Blair and Gordon Brown's leaderships.

Reform threat

In Dover and Deal - where the Conservative Natalie Elphicke defected from Con to Lab - leader Richard Tice focused on immigration. The decision of Reform's honorary president Nigel Farage not to stand as a candidate in this election was one piece of good news for the Conservatives, at least.

In total, 16 of Mr Sunak’s 18 trips were to seats that the Conservatives are defending, 11 of which are vulnerable to Labour based on current polling estimates which suggest a swing of 16 points.

But that hasn't stopped Sunak trying to defend what some might think is now beyond defensible. The most marginal seat he's visited so far is Vale of Glamorgan, where he took a trip to a brewery in Barry. Labour only requires a swing of 2.6 points to win this seat, so it seems like an optimistic majority to defend.

Lib-Dem southern front

The Liberal Democrats are closing in on several seats across the South of England. He visited four key Lib Dem targets, including Chesham and Amersham which has recently had a Liberal Democrat MP for the first time due to their  resounding 2021 by-election victory .

Here is the full breakdown of Rishi Sunak's campaign visits so far:

With the general election campaign officially under way, what better time to keep a close eye on the latest polling?

The Sky News live poll tracker - collated and updated by our Data and Forensics team - aggregates various surveys to indicate how voters feel about the different political parties.

See the latest update below - and you can read more about the methodology behind the tracker  here .

This campaign is being fought on new electoral boundaries, with many constituencies undergoing significant changes since 2019.

With just over a week of frenetic campaigning completed, read the full analysis of the approaches of the two main party leaders here:

Speaking to broadcasters after the Workers Party campaign launch, George Galloway was asked what he is hoping for.

He replied: "We're standing enough candidates that if everyone votes for them, I'll be the prime minister.

"That's a big task in a very short period of time - we're only four years old, and the party only really took off in the Rochdale by-election.

"And yet, we've managed to find all these hundreds of candidates."

The goal, he said, is "to persuade the maximum number of people to vote for our policies of peace, equality, justice, an end to the slaughter in Gaza, and a new direction for Britain".

Asked what success looks like, Mr Galloway said he wants "many" MPs, and would be "extremely disappointed if it's not in double figures".

He said if they get 200,000 votes or more, they would qualify for state financial support, table motions in the Commons, initiate debates, and more, which would be crucial for them.

Mr Galloway added that it would be important "especially if Keir Starmer is the prime minister" because he would be "the leader of the real opposition".

He said he is prepared to have no MPs, saying that if they get hundreds of thousands of votes at this election, they would "still regard 2024 as being the year of our breakthrough".

But he also said that it would be "an indictment of the electoral system", but he added: "I really don't think that hypothetical is going to come to pass."

On 12 June, Sky News will host an election leaders' event in Grimsby - a key marginal seat and one of our Target Towns this election year.

Labour leader Sir Keir Starmer and the Conservative leader Rishi Sunak have been invited to attend, and we are looking for a live audience to join us on the night.

If you would like to be part of this studio audience, and be given the opportunity to ask a question to one of the party leaders, please complete the short questionnaire in this link .

The leader of the Workers Party of Britain, George Galloway, has addressed party supporters at their election campaign launch in Ashton-under-Lyne.

Here are the key points of what he said (this post was updated live):

• Mr Galloway opens by saying: "They [the Tories] thought they were pulling a surprise election. Well, it may have been a surprise to some, but not to us - we have been on a permanent election footing";
• Their campaign, Mr Galloway declares, has "started exceptionally well, while Keir Starmer's campaign has blown up in his face";
• He labels the Labour leader a "silent assassin" for an alleged cull of left-wing candidates;
• Continuing his attack on Sir Keir Starmer, Mr Galloway claims that Sir Iain Duncan Smith had already packed his bags when Faiza Shaheen was removed as the Labour challenger in Chingford and Woodford Green;
• Moving back to Sir Keir, he claims Diane Abbott was allegedly going to be barred as a Labour candidate because she was an "outspoken supporter of the Palestinian people", and says of the Labour leadership: "You cannot believe a word they say";
• He then moves on to Rishi Sunak, who he claims uses "elevated heels" because he is so small;
• "I could not tell you which is the lesser of the two evils - Keir Starmer or Rishi Sunak. They're both equally evil to me";
• He moves back to the Labour leader again, claiming that his "biggest problem is that he has supported the worst genocidal massacre seen on Earth since 1945";
• He backs independent candidates like Jeremy Corbyn, in addition to his own candidates, and adds that the public does not like either Sir Keir or Mr Sunak;
• He claims that he is a candidate for PM, attacks ITV for not including him in their debate on Tuesday, and says he is going to take legal action against the broadcaster and Ofcom in order to be included.

The Workers Party of Britain are launching their election campaign in Ashton-under-Lyne today.

Aroma Hassan, the party's candidate for the constituency - who is running against Labour deputy leader Angela Rayner - is first to speak. 

She says she "believes in being the change I want to see". 

Ms Hassan hits out at Labour and the Conservatives, saying that "term after term, we're promised things" and that they "dance around pretending they're different parties but we see them". 

She also takes aim at "the media" and "the establishment". 

Here is the full list of candidates contesting the seat:

• Dominic FT Hardwick, Liberal Democrats;
• Aroma Hassan, Workers Party of Britain;
• Lee Alan Huntbach, Green Party;
• Angela Rayner, Labour Party.

The pop band behind New Labour's 1997 anthem Things Can Only Get Better has banned Sir Keir Starmer from using the song in the election.

D:Ream's founding members Alan Mackenzie and Peter Cunnah said they were dismayed to hear their number one hit play through a loudspeaker as Rishi Sunak announced he was calling a general election on 4 July.

The pair told LBC their first thought was: "Not again."

"The fact that it's gone back to a political thing, I find disturbing. I was thinking, can we get on with our lives? But now it's come back," Cunnah said, speaking from his recording studio at home in Donegal.

You can read more from Sky News here:

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7 Best Cheap Travel Insurance Companies in May 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 .

Finding the cheapest travel insurance is often a priority for travelers hoping to protect themselves and their finances while away from home.

But is it better to err on the side of affordable travel insurance or opt for a more comprehensive plan? That depends on your needs .

On average, a comprehensive plan that covers some combination of trip cancellation and interruption costs, medical coverage and baggage protection (and perhaps a number of other things) will cost you 5%-10% of what you paid for the trip, according to NerdWallet partner Squaremouth, a travel insurance marketplace.

That means a comprehensive policy for a trip that costs you $3,000 could run you anywhere between $150 and $300. Factors like the cost and length of your trip, the age of the travelers and how much protection you want can significantly influence what you pay for your plan.

Ultimately, Squaremouth recommends “the least expensive policy that offers the coverage [travelers] need.”

» Learn more: The best travel insurance companies right now

Factors we considered when picking cheap travel insurance plans

We considered a few factors as we looked for the most affordable travel insurance plans.

Price: If your goal is to find cheaper travel insurance, you want the price to be affordable.

Breadth of coverage: The best budget travel insurance is typically going to be a plan that offers a wide range of protections at an affordable cost, ensuring you’re protected with at least some coverage for a wide range of scenarios.

Uniqueness or customizability : While many travel insurance plans have similar protections, some stand out for particular coverage that can be helpful to certain travelers, like those needing to Cancel For Any Reason , those going on a cruise, or travelers with preexisting health conditions. We didn’t spring for the priciest plans with broad, deep coverage; instead, we picked those that meet a sort of budget "sweet spot" when it comes to cost efficiency.

» Learn more: Is travel insurance worth getting?

An overview of the best cheap travel insurance plans

We looked at travel insurance quotes for a hypothetical 10-day trip to Italy in October 2023. The traveler is a 40-year-old man living in North Carolina who spent $2,000 on the trip, including airfare.

Reliable but cheap travel insurance providers

1. axa assistance usa (silver plan: $70).

Why we picked it:

The $500 missed connection benefit is great for cruise and tour participants. It covers additional transportation, accommodations and meal costs when you miss a cruise or tour departure.

Full trip cancellation and interruption coverage, along with up to $25,000 for out-of-pocket medical costs and baggage coverage.

Among the lowest prices we found.

If you’re willing to spend a bit more than AXA's $70 Silver plan, a Gold plan only costs $19 more and gets you deeper coverage amounts and up to $35,000 in collision rental car insurance.

2. Berkshire Hathaway Travel Protection (ExactCare Value plan: $56)

Cheapest plan we found while still offering a wide array of protections.

Includes a preexisting medical condition waiver.

Add-on rental car collision coverage optional for $10 per day. You can pick how many days you want the additional coverage — it’s not all or nothing.

At $56, this plan comes in at less than 3% of the $2,000 trip cost.

3. IMG (iTravelInsured Lite plan: $77)

Treats COVID-19 like any other illness, which is to say, if your claim accepts flu, strep throat or appendicitis as an acceptable, covered condition, the coronavirus is, too.

Covers costs related to trip interruption up to 125% 

Higher than normal limits on dental expenses, at $1,000. If your teeth are your Achilles heel (or your biggest fear), this plan might be for you.

The iTravelInsured Lite plan doesn’t offer some of the bells and whistles that other plans do, like rental car coverage , Cancel For Any Reason coverage or waivers for pre-existing conditions. But you’ll have relatively solid across-the-board trip protections.

4. John Hancock (Silver plan: $93 for a mid-tier plan)

Mid-level plan (as opposed to a basic plan) at an affordable price for travelers who want more coverage without paying too much.

Includes an optional Cancel For Any Reason add-on for travelers wanting flexibility. It is a bit pricey, at half the cost of the insurance ($46.50 extra for a $93 plan).

Reimburses up to $1,000 for lost baggage , far more than many basic plans.

Add-on rental car coverage for $9 per day.

At $88, John Hancock’s basic (Bronze) plan isn’t particularly affordable. But for just $4 extra, you can tap into the benefits of a mid-tier plan at still less than 5% of the total trip cost.

5. Nationwide (Essential plan: $76)

Includes a preexisting conditions waiver.

Add-on rental car coverage for $90. 

Covers trip interruption at 125% of the trip cost while providing comprehensive emergency medical and baggage coverage.

6. Seven Corners (Basic plan: $75)

On top of standard trip protections, it includes a relatively affordable Cancel For Any Reason option for $31.50 extra.

If you plan to rent expensive sporting equipment, you might consider paying $10 extra to cover lost, damaged, stolen or destroyed gear.

COVID-19 coverage reimburses you for costs incurred if you have to quarantine .

Rental car coverage comes in at an affordable $7 per day.

Seven Corners’ Basic plan stands out because it offers a little bit of everything, appealing to athletic travelers, those who need affordable trip protections, those who want the flexibility to cancel for any reason and those still concerned about getting quarantined due to COVID-19.

7. Travelex Insurance Services (Basic plan: $71)

Straightforward: What you see is what you get. This plan’s coverage has fewer rules and caveats than many. 

While not sporting the highest coverage amounts, it offers a solid range of protections to ensure you get at least something back when your travel is disrupted or you have a medical emergency.

Offers add-on rental car coverage for $10 per day.

At $71, the Travelex Basic plan’s cost is just over 3% of the $2,000 trip’s cost.

If you want to get travel insurance at the cheapest possible rate, here’s a trick. Put $0 as your trip cost, Stan Stanberg, co-founder of comparison site Travelinsurance.com said in an email.

“When excluding trip cancellation and trip interruption coverage the cost of a travel insurance plan goes down significantly,” Stanberg said.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical, trip delay , missed connection, baggage and other protections.

You’ll often find comprehensive travel insurance plans cost 5%-10% of your total trip cost, according to Squaremouth. This will often get you full trip cancellation and trip protection, baggage protection, emergency medical coverage and often other benefits.

Typically, the more you pay, the broader and deeper the coverage.

For many plans, you can purchase travel insurance up until you depart. However, to get access to the most protections possible, booking two days to two weeks after making your initial deposit is the best rule of thumb.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical,

, missed connection, baggage and other protections.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

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 Chase's website

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

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

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

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

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

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