destination travel care reviews

Your healthcare skills, well-traveled.

First. Class. Travel.

Travel that enhances you..

You care for others, we care for you.

Apply now and prepare for take off.

Your Destination Travelcare team is where you want to be.

Your profile is your passport to success

Taking your career to the next level of experience is a big deal. When completing your profile, focus on why you are doing this. We want to help you reach for the sky and live out your why.

Your profile is an important part of the journey. Invest the time so we can help make you shine.

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We want to be where you are... Stay connected and choose what works for you. Your Destination Travelcare team is where you want to be.

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Travel Nurses, Get to Know Destination Travel Care

Home » Travel Nurses, Get to Know Destination Travel Care

This week, we’ve invited one of the newest agencies on our platform, Destination Travel Care , to chat with us and share a little more about who they are and why they love working with travelers so much. They are a part of providing travel assignments on Wanderly in an empowered way with the information you need. Get to know them a little better here:

Table of Contents

What is the Destination Travel Care story– how it came to be and the mission statement/mottos that guide everyday business?

We are a private, small agency that prides itself on treating its employees (external and internal) the way you would a family. Our parent company has been in the staffing business (in other industries) for 30+ years. Destination Travelcare was established earlier this year by a small team of people that all come from different backgrounds but have one common goal: to create a company that is focused on the travelers experience.

What should travelers know about Destination Travel Care?

The name “Destination Travelcare” came from the mindset that we view our travelers as highly skilled healthcare professionals. They are the talent that hospitals need. We call our recruiters Travelcare Agents because we take managing our travelers’ careers very seriously. And last, we hope that our travelers will find that they want our agency to be their final destination in their travel careers .

Our internal team has been structured in a way that we believe better supports the career of our traveling professionals. We feel that our relationships and the effort that we put in to support our travelers is what really makes us stand out.

What is the team culture like at Destination Travel Care?

There is no “that’s not my job” mentality. Our entire team takes ownership of whatever comes up and follows through. I put this statement out there boldly so that we will all hold ourselves and each other accountable for making sure our travelers are successful in their careers.

How does the leadership at Destination Travel Care define success for the employees as well as success for the travelers?

I believe that we hold our team to a very high standard. We view our travelers as the most talented healthcare professionals and expect our entire team to treat them as such. The more travelers we can help, the more patients we can help. I realize a lot of companies say that, but we really mean that. If you don’t get asked how your patients are doing by at least one person on our team, I want to know about it! Haha!

What are the hopes for the Destination Travel Care/Wanderly partnership in 2020/2021? 

Our goal is to be on the “digital front lines” making it easy for travelers to find us! We want to grow with you!!! Our ideal partnership is one that works with the progress and not against it. Be open to feedback and communicate and we will do the same!

What myths about the travel healthcare industry would Destination Travel Care want to correct for someone considering taking an assignment? 

I don’t really know how to answer this question, per se. I believe there are naysayers everywhere. We encourage you to shop around but we believe we offer the best benefits, service, and consistently higher pay packages. & we have no desire to change our ways. I believe that consistency is what builds strong relationships and we plan to stay consistent with what we offer and how we offer it!

What gives the team at Destination Travel Care the feeling of purpose in the day-to-day?

Traveler feedback! When our travelers send us messages like “you guys are doing everything right” or “finally, an agency that fights for their travelers” and “I had the best experience on-boarding” we know we are doing something right! Helping people reach their potential professionally and personally is what drives us to do what we do!

What are the plans for the future of Destination Travel Care? What is planned for 2020?

We plan to stay a small team focused on intimate relationships with our travelers. We have gone from 5 travelers to 30 in a matter of 8 months and we attribute that success to referrals from our travelers. Our current travelers are referring all of their friends because of their own experiences with us and that is the highest compliment. In 2020 we plan to continue to focus on the travelers experience so that they want to continue to help us grow! In business, there is no greater compliment than a referral from a current client!

Connect with Destination Travel Care here: Travel Assignments | Facebook | Instagram | LinkedIn | Twitter

If you’re new to Wanderly, welcome and thanks for stopping by our community. We offer a platform that helps travel healthcare professionals find their travel assignments in an empowered way. Compare fully detailed travel assignments from the top paying agencies and use 1 universal application for all future assignments. Join for free today! Then you can get started on finding your next dream travel assignment .

Related Posts:

• Why Destination Travelcare Chooses Wanderly
• Opportunities From Pro Med Healthcare Services
• Travel Nurses, Meet Next Move Inc.
• Meet Nurse First Travel Agency
• An Interview with Emerald Health Services: A…
• Meet AB Staffing Solutions

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Destination Travelcare 4+

Pro med personnel, llc, designed for ipad.

• 5.0 • 4 Ratings

Screenshots

Description.

On DTC Mobile Travel Nurses and Allied Healthcare Clinicians are able to: -Find Local and Travel jobs nationwide -View exclusive jobs -Apply to preferred jobs, shifts, and pay packages -Track job submittal status with real-time updates -Manage compliance requirements & credentials -Keep all documents organized in one place -Accept or decline offers in 1 click -Extend current assignments or start a new journey -Upload timesheets & documents with your Phone's Camera -Get rewards for referrals and loyalty No more back and forth via email or scanning paper documents. With DTC Mobile you can manage you travel experience in one place, right from your phone!

Version 1.3 (0.0.4)

resolved bugs found during testing

Ratings and Reviews

Mind blown.

Wow! What a great way to complete my profile, find jobs, and even submit compliance items. ALL FROM MY PHONE! This is a necessity. Being a travel RN, we are so busy all of the time. Knowing that all I need to do to find my next assignment or request an extension is as easy as opening an app amazes me.

App Privacy

The developer, Pro Med Personnel, LLC , indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

Data Not Collected

The developer does not collect any data from this app.

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Information

• Developer Website
• App Support
• Privacy Policy

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The 15 Biggest Travel Scams, and How to Avoid Them

The Editors

We are the editors of SmarterTravel! Together we have appeared in countless travel publications including ABC News, Huffington Post, Travel + Leisure, USA Today, and more. We dedicate our days to creating and producing expert travel content, including packing tips, general travel advice, destination inspiration, and helpful videos. Follow us across social media on YouTube , Pinterest , Facebook , Instagram , and Twitter or drop us a line to say hi at [email protected]!

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You know that old saying “there’s a sucker born every minute”? Don’t be one of them. Stay ahead of these surprisingly effective travel scams to keep your vacation plans from falling apart. The schemes below may be just the tip of the iceberg when it comes to travel cons, but preparing yourself for these common swindles is a good place to start.

Vacation Clubs

Wholesale travel clubs claim that you’ll have access to incredibly cheap vacations if you join. However, once you pay the joining fees, you find that the deals offered aren’t any better than what you can find for yourself online—for free. Consumer advocate Christopher Elliott , whose book Scammed lays out a helpful roadmap for being a responsible and effective shopper in a world of corporate swindles, has told SmarterTravel: “I’ve never come across a legitimate travel club. My advice is to run, don’t walk.”

Elliott advises that anyone considering joining a travel club do research with a very critical eye beforehand. Simply doing an internet search for the name of the travel company plus “travel scam” will usually reveal a host of problems experienced by other members. Also check the Better Business Bureau for complaints about the specific service before you buy.

Timeshare Sales

Ed Perkins, a longtime contributing editor at SmarterTravel, calls the up-front fees for selling your timeshare the biggest travel scam out there.

“Scammers promise to get you out from under, saying they have buyers, but all they really do is take a fee, upward of $400, and do nothing,” says Perkins.

Never pay up front to have someone help you sell your timeshare. If you want out, go to a licensed company and check them out with the Better Business Bureau before listing with them. If you’re having trouble getting out of your timeshare , work with a rental company and rent it out to recoup some of the money until you can sell.

Vacation Certificates

Ed Perkins also warns against prepaid vacation certificates: “Travel scams promise really great prices but deliver nothing. The idea here is to get the up-front money, then keep stalling: ‘Sorry, these dates are sold out; try again soon.’ They delay until people just quit trying.” Or the company charges huge additional fees to redeem the certificates, and the trip is considerably less luxurious than promised. Before prepaying for a vacation package, be sure to research fees and blackout dates, as well as the company’s reputation.

“Travel-Agent” Card Mills

Ah, the life of travel agents. Cheap hotels and airfares are thrown at their feet once they pull out their travel-agent ID cards, right? Wrong. Don’t believe the hype from outfits that promise to issue you a travel-agent ID that provides access to discounts. Scammers charge hundreds of dollars for these cards, but victims who shell out will quickly find that no place will accept the fakes, and they never see any discounts. The only way to avoid this travel scam is to not buy a travel-agent card if you’re not a travel agent—there’s really no legal way to get around it.

Car-Rental Collision Damage Waivers

Rick Steves calls the car-rental collision damage waivers (CDW) a “collision damage waiver racket” for a reason. When you rent a car, the company often pressures you to buy a CDW supplement, which will prevent you from having to pay a high insurance deductible if the car is damaged. (The deductible can be thousands of dollars before insurance kicks in.)

But most major credit cards already include deductible collision coverage for free , so check your credit-card terms and pay for the rental car with your credit card. Then you’ll be covered without having to shell out extra cash for phony insurance. Most credit-card collision coverage is secondary, meaning you have to claim from your regular insurance first. If you don’t want a claim on your insurance, you can buy third-party primary collision coverage from the booking agency for about $10-$11 a day. Or, if it’s pricey, you can instead buy coverage from an independent outlet; sites like Bonzah.com offer rental coverage from $7.99 per day. That’s about one-third of what the rental companies charge.

“You Won a Free Trip!”

If you’ve ever dropped your business card in a “win a free trip” drawing at a restaurant or signed up to win at a fair, you may have gotten a phone call, letter, or email claiming you’ve won a free vacation. These days, the hustle is often via robocall. Be wary—many of these “prizes” are actually booby traps in which you’ll have to pay hefty fees to claim the vacation or give your credit card number to “verify your eligibility,” resulting in identity theft. After a recent lull in monitoring these robocalls, the Federal Trade Commission (FTC) is again cracking down on them. If you’re scammed, get the names of resorts and airlines included in the prize and call them independently to verify the trip. Never give credit card information to someone who cold-calls you, and be sure to get details of the prize in writing before accepting.

Fake International Driving Permits

The FTC also warns against fake International Driving Permits (IDPs) . Some countries require tourists to have an IDP in addition to a U.S. driver’s license. However, there are only two American associations that are legally authorized to issue IDPs—the American Automobile Association (AAA) and the American Automobile Touring Alliance (AATA). Fraudulent companies sell fake IDPs over the Internet, but you’ll pay hundreds of dollars for a permit only to face legal problems for using the imposter IDs in another country.

The Bait and Switch

The hotel you’re thinking of booking is suspiciously cheap, but the property’s website makes it look beautiful and centrally located. When you arrive, the hotel is run-down, missing amenities, and in a deserted part of town—and it won’t refund your money. Avoid this travel scam by using websites like Oyster (one of SmarterTravel’s sister sites) and TripAdvisor (SmarterTravel’s parent site) to read real customer reviews and see honest photos of the property.

“Grandparent” Travel Scams

Even if you’re not currently traveling, you can still be the victim of a travel scam: The State Department warns that scammers will call an older relative or friend of someone who’s away on vacation and pretend to be the traveler in desperate need of help. The scammer usually poses as the traveler or a foreign government official and directs the victim to wire a large sum of money, citing an array of things: They have been robbed and need money to return to the United States, or they have run into legal trouble and need bail money. Sometimes the scammer will even pretend to be someone from the U.S. embassy calling on behalf of the relative for money. Never wire money in response to a suspicious phone call; instead contact the State Department to ask if the situation is legitimate, or call your relative directly. If you encounter this scam, the FBI advises you report it to local authorities or a state consumer protection agency. You can also file a complaint with the FCC .

The FCC (Federal Communications Commission) offers the following advice to prevent “grandparent” travel scams:

Never give out personal information such as account numbers, Social Security numbers, mothers’ maiden names, passwords, or other identifying information in response to suspicious calls or to callers demanding immediate action. Scammers can spoof the caller ID of their number to make it appear to be from a trusted source. If a caller claiming to represent a company or a government agency asks for personal information, hang up and verify the authenticity of the request by contacting the company or agency yourself, using information found on its official website or through other means such as the phone book. If a caller claims to represent a company with which you have an account—such as a utility or a bank—hang up and check the contact information on a recent bill or statement, then call the company back yourself.

Rental Property Scam

Rule of thumb: Never go to Craigslist (or anything similar) for a rental home. Scammers will place an ad and ask the victim to wire money to secure the vacation rental—and then disappear. Or they’ll have you send money to them rather than to the actual property owner. Avoid the rental scam risk by going through a reputable vacation rental site with protections and insurance guarantees such as Airbnb , HomeAway , or SmarterTravel’s sister site FlipKey , all of which will protect your money from fraudsters.

Bogus Travel Agents

Don’t trust a tour operator or packager you don’t know of or can’t find reviews of easily online—especially with a big payment. An even more worrisome version of these travel scams in the U.S. is fake versions of websites: You search for a hotel or tour and get through to what looks like a legitimate website from a known company. But it isn’t: It’s a copy-cat version run by a scamster who paid a lot of money for a good search engine position. At best, after you make a payment, the hotel will honor your reservation—but probably at a higher price than you should have paid. At worst, you get nothing.

Take a close look at the website’s URL. Unsure if it’s right? Do a new search to find the company’s homepage and compare it to the first half of the link—any rogue characters, numbers, or symbols might mean it’s a fake. You should also never pay for a service via wire transfer, or any other irreversible money-transfer system.

Currency Short-Changing

A longstanding travel scam relies on tourists’ unfamiliarity with a foreign currency. This can take various forms: counterfeit bills, miscounting change, mixing smaller bills into what should be a pile of larger notes, etc. Get to know the bills of any country you visit, and limit the amount of foreign currency you exchange and have with you at any time. Get your foreign currency from an ATM, and put all your big-ticket purchases on a credit card.

Counterfeit Event Tickets

These days, high-tech forging can make almost any piece of paper or cardboard look authentic. Don’t buy a high-priced ticket (or even a low-priced one) to a sold-out event from someone on the street or via an unfamiliar website. You might be turned away at the gate. Buy from an authorized source—the box office or an online dealer that’s a verified reseller.

Fake Tour Guides

Have you ever been walking in a tourist-frequented area and had someone approach you offering to be your guide? Of course, you would have no idea in this situation whether this person has any useful knowledge of the city, but you may be coaxed into a nearby store that they claim offers the “best” prices on local specialties.

Pre-arrange a guide through an official tourism office or a local travel agency so you can compare prices and know what you’re getting. I once arranged the best local guide I ever had through an American Express agency. A university history professor showed us the fantastic National Museum of Damascus in Syria.

Credit Card Fraud

One of many potential credit card fraud risks is the familiar “verification call” gambit. In this travel scam, within a few hours of checking into a hotel, you get a call from someone claiming to be at the front desk to “verify” the details of the card you used. Of course, that caller is a scammer with no connection to the hotel who just wants to get your card data. In this and any other situations, be highly suspicious of anyone who calls you asking for credit or debit card information, no matter how plausible the excuse may seem. Tell the caller you’ll be right down to settle the problem, and instead call a known number, like the hotel’s direct line, to settle whatever account is involved.

More from SmarterTravel:

• How to Avoid Counterfeit Money While Traveling
• 6 Cruise Scams You Should Never Fall For
• Europe Travel Scams to Watch Out For

Editor’s note: This story was originally published in 2012. It has been updated to reflect the most current information. Caroline Morse Teel and Ed Perkins contributed to this story.

We hand-pick everything we recommend and select items through testing and reviews. Some products are sent to us free of charge with no incentive to offer a favorable review. We offer our unbiased opinions and do not accept compensation to review products. All items are in stock and prices are accurate at the time of publication. If you buy something through our links, we may earn a commission.

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The TravelCare mission

Our mission is simple  - to help our customers educate, inform and treat more International travelers to mitigate and minimize their health and safety risks when traveling abroad.

Everyday, TravelCare connects information with action to empower medical professionals to educate, inform and treat more travelers to protect their health, safety and even financial well-being.

We believe that a knowledgeable medical provider and an informed traveler are the keys to ensuring healthy and safe travel abroad.

The Numbers Tell The Story

We are simply not satisfied with the extremely low rate with which International travelers seek medical professional advice for pre-trip health and safety. 

• 95 Million U.S. Citizens leave the U.S for foreign destinations annually.
• Only 12% visit with a medical professional prior to departure.
• 50% will suffer from a preventable travel related illness.

The Issue We're Solving

Travel from the U.S. to international destinations is massive and growing – yet only a tiny fraction of travelers get basic treatment. Why? The reasons are many – inertia, lack of timely information, a broken medical system and cost of service are just a few reasons.  With the potential risks and costs associated with getting sick from International travel it would seem obvious that more people would get treatment but they don’t. We continue to let our employees, loved ones, students, customers, clients and patients roam the world without basic updated routine vaccinations, prescriptions and medications that can keep them from getting sick or at least reduce the symptoms along the way.

Where You'll Find Us

TravelCare International LLC was formed in 2010 and ever since we’ve been serving medical professionals that provide travel medicine services.  Today, we count approximately 10% of Fortune 100 companies as clients and provide our subscription based service to over 500 clinics, corporations, hospitals, universities and pharmacies in the U.S. and Canada. We continue to invest in content, partnerships, software and applications that will help us reach and treat more travelers via our customers.

TravelCare has over 2,000 medical and healthcare professional users and we are dedicated to enhancing our travel health services for our clients.   We are excited by the opportunities in the area of travel medicine and look forward to working with you.

Ready to learn more?

Book a personalized demo today or simply join our mailing list.

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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YOU WONT REGRET USING DESTINATION WEDDINGS

My husband and I got married in the Dominican Republic in April of 2024! It was the happiest day of our lives… we were surrounded by 100 guests that made the trip to celebrate US! This would not have been possible without our travel agent, Rene Wills!!! Rene is dedicated to her clients! She goes the extra mile to personally know the couple she is working with and gets things done! Multiple times I had to reach out to her for help with the resort and she was responsive, professional, and timely. There are only a few things that I would change about our entire destination wedding experience, but using destination weddings (specifically Rene Wills) is NOT one. She is simply amazing and irreplaceable. Thank you Rene for your dedication, compassion, and work ethic. We are so thankful for you.

Date of experience : April 26, 2024

Reply from DestinationWeddings

Welcome home, Jackson! Thank you for leaving us a glowing review and sharing your experience with Rene with us. We hope you have a wonderful year as newlyweds!

Best Decision ever!

When we starting planning our destination wedding, we had so many questions and had no idea about DestinationWeddings.com. We filled our the inquiry form and after being matched with Amy Cate, it made our wedding planning so easy and fun. Amy was so helpful, detail oriented and was able to pick the best resort for our style/ wants. She was able to book our 70 guests and answer all their questions as well. If she didnt have the answer, she would figure it out for us. Planning our wedding was such a fun experience with Amy. Best decision ever to go with DestinationWeddings and ask for Amy :)

Date of experience : March 23, 2024

Thank you for your kind review, Robbie! We're thrilled to hear about your 5-star experience with Amy and wish you the best for a wonderful year as newlyweds! Please reach out for any future travel needs.

Melissa was so helpful and answer every…

Melissa was so helpful and answer every questions we had.

Date of experience : May 08, 2024

Thank you Alley, we're happy to hear it!

We had our wedding at Dreams Playa…

We had our wedding at Dreams Playa Mujeres on 04-18-24. It was a small wedding, only 9 of us all together. I had Monica as my wedding planner and it was amazing. We had a small ceremony outside at Azure Veranda and it was perfect. We had no plans for after the wedding because there were only 9 of us so we figured we would just go to dinner. We discussed this with a staff member, Alejandro Leon, down by the beach bar. He then found out we were having no reception so he called his friends Chef Hendricks and Jonathan and they came and met us and made us a special meal. The Mezas restaurant was closed down so they set us up a special table, and a special dinner that was absolutely delicious. It totally made our wedding day so much more special and I am so thankful for Alejandro and Chef Hendricks and Jonathan. They made our stay absolutely amazing. My husband is also in a wheelchair and we found this resort to be very wheelchair friendly.

Date of experience : April 18, 2024

Look no further than DestinationWeddings.com…

From the very beginning to the moment we were heading to the airport Amy Cate from DestinationWeddings.com Was absolutely amazing! She was always available for any questions we had along the at and made sure all of our guests had everything they needed as well. We never felt like we didn’t have everything we needed in terms of hotel and flight information and then above and beyond that with any extras and more. We highly recommend Amy Cate and DestinationWeddings.com for your destination wedding needs!

Date of experience : April 04, 2024

Congrats on your recent destination wedding, Marshall! Thank you for taking the time to share your 5-star feedback about Amy Cate. It's great to know how helpful she was from start to finish. Please keep us in mind for any future travel needs, and have a wonderful first year as newlyweds!

Amazing Experience

Karen was amazing! Her patience with setting up all our guests arrangements was beyond professional. Not 1 guests had anything negative to say except how they drove her crazy and she worked with them with so much patience and professionalism. This was the first time we used Destination Wedding and will definitely not be the last.

Date of experience : April 13, 2024

Thank you so much for your kind feedback, Sarah! We're thrilled to hear about your 5-star experience with Karen and wish you the best!

Book with Janice Gwilliam right now!!!! Amazing experience, multiple times now!

We have used Janice Gwilliam from DestinationWeddings.com for our own wedding and have since recommended her to three other friends/family members who have also booked with her and have had the same amazing experience! Janice is amazing at what she does— she is quick, efficient, communicative, helpful and she doesn’t make you feel rushed or like a question is too big or too small for her to address with endless care and thoughtfulness. Janice made our wedding planning experience so seamless and enjoyable and we would book with her 100 times over if we could re-do our wedding that many times! Book with Janice, you will NOT regret it even for a second!

Date of experience : April 11, 2024

Thank you for sharing your 5-star experience with Janice with us! We wish you the best!

TJ Dana is a blessing

TJ Dana has been nothing but absolutely wonderful throughout my process of booking this wedding. My wedding is booked for June 7th of this year at dreams La Mareas, the booking has been in place for at least 18 months if not longer. My original wedding planner at the resort was Caroly, She was very rude, spoke over me, Never responded. Tj immediately stepped in to address this issue, even Caroly was abruptive, interrupting Tj and trying to speak over her. Tj professionally stepped in and informed her that she was being rude and condescending and we would need to escalate this matter as she was not LISTENING to me and my concerns for my wedding day. Tj took the initiative to request a new planner at the Resort, which did not get approved request. Even with the resort denying the request Tj spoke to the Manger on a group conference call to ensure that the quality service in the future will be improved. Even after this assurance from the manager things did not change. Caroly even had her team believe she kept all meetings with me but Tj was quick to defend the truth for me and resolve this misunderstanding and successfully got me a new planner at the resort to work with. She attended the conference call to ensure the quality of service was to my satisfaction eith the new planner and that no one would try to bully me again. I cannot express how grateful I am to have her on my side through this planning process. Even when I visited the resort she called me daily to ensure that everything was to my satisfaction. She has worked with so many of our guest to assist them in their booking of rooms and transportation needs from the airpot to resort and back. Tj is absolutely a blessing to me.

Date of experience : April 27, 2024

Thank you so much for your kind words and 5-star review, Leslie! We're so happy to hear about your amazing experience with TJ. Best wishes!

Supportive and helpful

Melissa was supportive and extremely helpful throughout the entire process. We originally had dates lined up with one resort but that resort last minute fell through on signing the contract and Melissa worked quickly to get us another resort and date that worked for us. Thank you Melissa!

Date of experience : March 18, 2024

We appreciate you taking the time to share your 5-star feedback and are happy to hear Melissa was so helpful! Best wishes!

She's awesome!

We have worked with Amy Boyce on several trips in the past, including 2upcoming vacations, she is knowledgeable, helpful, and very patient with my many, many questions. She communicates well and gets back to me immediately. I have referred her to many friends and will continue to do so. John Rogers

Date of experience : March 24, 2024

Thank you, John, we're very happy to hear it!

Mindi Phillips and Destination Weddings…

Mindi Phillips was so great in helping us with our destination wedding. I highly recommend destination weddings and Mindi herself to help out with planning your destination wedding. She made have a wedding so much easier, she helped manage family, our resort stay, and planning out every step of our wedding the stay while we were there. All things which can be over whelming to think about when planning. 5 stars for Mindi and the Azul beach team.

Date of experience : February 09, 2024

DestinationWeddings Helped with Communication

We decided to do a destination wedding at the Finest Playa Mujeres- while the resort itself is beautiful they were difficult to communicate with. I really appreciated Carol's tenacity and work in dealing with the resort so I didn't have to. All our guests got there smoothly and loved their stay.

Date of experience : February 26, 2024

Thank you for your 5-star review, Emily! We wish you the best for a wonderful newlywed year!

Our experience with Tiffany Dana

Our experience with Tiffany Dana, truly was wonderful. From helping us pick out a resort in Mexico for our wedding to assisting us with travel and our guests rooms, her assistance made the experience seamless. We knew we could rely on her for any hiccups we experienced along the way. Would definitely recommend planning your destination wedding through this website and if you can get Tiffany as your coordinator, truly even better! Thank you again, the outcome of our wedding was beautiful.

Date of experience : February 24, 2024

Hi Zoey, welcome home and congrats on your recent destination wedding in Mexico! We're so happy to hear you had a 5-star experience with us. Best wishes for a wonderful newlywed year!

Keeping up with the Joneses

Our agent Sian Monk was horrible. She tried to over charge our guess, we never got our upgrade, she was never in office to handle corrections, very hard to reach her by phone, takes very long to answer emails, If you ever get her request someone else...

Date of experience : September 04, 2022

Hi Brandon, we regret to hear of your experience with Diane Monk but appreciate your honest feedback so we can investigate and optimize her service levels for future couples. Please note room upgrades are stated as 'subject to availability' in your contract; we apologize the resort was unable to fulfill it onsite. Our Customer Relations Team will be reaching out to learn more and clarify any outstanding discrepancies. Thank you!

Thank you Carrie P!

Carrie was great to work with. Handling the large group that we had was no easy task and planning over a year in advance presents it's own challenges, changes in people lives, uncontrollable circumstances, etc. - which are inevitable with a large group. Carrie was very clear going into this journey about restrictions, no guarantees, etc. Carrie coordinates many wedding groups travel, so we were patient as a email response could sometimes take a few days, but in the end we were pleased with the experience and support from DWT and Carrie.

Date of experience : March 03, 2023

Thank you very much for taking the time to leave us a review! We're happy to hear about your experience with Carrie and we hope you work with us again should you need any future travel assistance. Best wishes.

Melissa was excellent!

Melissa was excellent!! She was very thoughtful and personal when crafting options for us, being cognizant of ideal budget and location. I would highly recommend her to anyone looking to explore venue and experience options

Date of experience : April 02, 2024

Thank you for sharing your 5-star experience with us, Keato! Best wishes!

Destinations Wedding -Amy Cate is THE BEST!!

Amy Cate was absolutely amazing to work with! She made the entire process so easy and flawless. She was so responsive and helpful. After our initial conversation, it was obvious to me that she was the girl I wanted to work with. She knows her stuff through and through. I will recommend her to every single bride I meet in the future.

Date of experience : February 07, 2024

We're so happy to hear about your 5-star experience, Missy! Congrats and best wishes!

Charlene Barlow was rude and unhelpful

Charlene Barlow was rude and unhelpful. We came to know that we were overcharged for the rooms once we arrived at the hotel in Mexico. I strongly advise you to look for another Wedding agent if you are planning a Wedding or booking a room.

Date of experience : July 24, 2023

Hi Starpin, we regret to hear of your experience with Charlene Barlow. We are committed to learning more and intervening as best we can to understand the discrepancy. Unfortunately we are unable to locate your contact information in our system given your username. Please reach out to [email protected] to discuss your concerns further. Thank you!

This company is horrible!!

This company is horrible!!! Christal Hughes has poor customer service skills, she originally told me my room type was sold out. (2) weeks later she charged my card without contacting me so see if I was still interested in booking.

Date of experience : February 04, 2022

Hi there, we appreciate learning of your experience while booking your travel arrangements with Christal Hughes and are committed to addressing these concerns with her to ensure a smoother process from here on out. Our Customer Relations Team is in receipt of your comments and will be happy to reach out to clear up any outstanding discrepancies. We wish you the best in having a wonderful trip.

Wedding Planner

They have a wide variety of places to choose from for a destination wedding! Honestly there were too many because it took so long to choose. Our wedding and travel specialist was very helpful in navigating all the planning with the resort and with the guests. She also helped to give us date outlines and goals to make sure the wedding went smoothly. Our wedding was absolutely amazing and I'm so glad we found this little gem of a resort in Costa Rica.

Date of experience : February 11, 2023

Congrats on your recent wedding in Costa Rica, Alicia! We are thrilled to hear that your agent was so helpful in making your dream celebration come to life. We hope you work with us again should you have any future travel plans!

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11 Best 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 .

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

If you don't have sufficient travel insurance coverage via your credit card , you can supplement your policies with third-party plans.

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

How we found the best travel insurance

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

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

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

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

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

Best insurance companies

Types of travel insurance

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

Berkshire Hathaway Travel Protection

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

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

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

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

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at nearly all plan levels. 

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

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

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

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

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

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

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

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

Read our full review of Allianz Global Assistance .

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

Travel Guard by AIG

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

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

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

What else makes Travel Guard by AIG great:

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

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

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

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

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

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

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

What else makes Travel Insured International great:

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

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

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

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

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

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

What else makes World Nomads great:

Comprehensive international travel insurance plans.

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

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

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

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

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

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

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

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

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

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

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

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

» Jump to the best cards with travel insurance

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

What else makes Seven Corners great:

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

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

Read our full review of Seven Corners .

Best for long-term travelers: IMG

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

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

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

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

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

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

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

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

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

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

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

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

What else makes TravelSafe great:

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

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

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

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

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

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

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

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

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

Trip cancellation

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

Trip interruption

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

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

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

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

Cancel For Any Reason

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

Typically, adding this protection to your plan costs extra.

Baggage delay

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

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

Lost baggage

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

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

Travel medical insurance

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The Bahamas.

Costa Rica.

Antarctica.

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

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

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

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

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

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

on Chase's website

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Consider a few key questions:

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

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

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

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

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

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

In general, buying travel insurance

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

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

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

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Introduction to Nationwide Travel Insurance

• Coverage Options
• How to Purchase and Manage Your Policy

Nationwide Customer Reviews and Claims Experience

Compare nationwide travel insurance.

• Why You Should Trust Us

Nationwide Travel Insurance Review 2024

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

Nationwide has been around close to 100 years after being founded in 1926. The Ohio-based company has many different products in the insurance and finance space, including coverage for trips. Nationwide Travel Insurance policies are available for single or multiple trips and can cover cruise trips too.

• Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
• con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
• con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer

Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

• Cancel for any reason coverage available

Nationwide is one of the leading names in insurance across various areas of coverage including life, auto, and travel insurance. Nationwide's coverage is also as comprehensive as it is varied. It tops our list of the best travel insurance companies and best cruise travel insurance , also ranking among the best cheap travel insurance companies for the value it provides.

With single trip, multi trip, and cruise-specific policies along with an abundance of riders, there's a good chance Nationwide will have the coverage you're looking for.

That said, Nationwide lacks some of the niche coverage that other companies can provide. For example, Nationwide doesn't insure trips over 31-days long. Its annual travel insurance only applies to trips 30 days or under. Additionally, Nationwide lacks specific adventure sports coverage.

Ultimately, Nationwide is the company to beat. If you're shopping for something a little more specific, use Nationwide's quotes as your baseline as you search for something more tailored to your trip. 

Coverage Options from Nationwide

Nationwide offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

The travel insurance policies offered by Nationwide are available to consumers and are divided up by the type of trip: single trip, multiple trips, or cruise coverage.

Single-trip travel insurance policies

Nationwide offers two single-trip travel insurance policies: the Essential plan and the Prime plan.

As the name suggests, Nationwide Essential travel insurance covers the basics. It offers some protection should anything happen ahead of your trip or while you're on your trip.

The Prime plan takes your coverage to the next level, with higher coverage limits and the option to add on the coveted cancel for any reason (CFAR) coverage at an extra cost.

Both plans include trip cancellation or interruption coverage in the event of terrorism in your destination city, travel assistance from Nationwide at no additional charge, and refunds with a 10-day review period (except in Washington and New York). Note that for baggage and personal effects coverage, there is a $500 combined maximum limit for valuable items (see your policy's terms and conditions for details on what's considered valuable). It also covers damaged or lost sports equipment.

Here's how the two plans stack up in terms of coverage limits. For trip delay coverage, you'll be eligible for reimbursement for delays of six hours or more.

Annual and multi-trip travel insurance policies

If you're looking for travel insurance coverage for more than one trip and want to cover your partner and children, the Travel Pro Plan may be an affordable option. It's important to note that this policy only covers events after departure, not pre-departure events. This policy could be as low as $59 as of the time of writing.

The Travel Plus Plan is another multi-trip policy from Nationwide that has flexible term limits for trip interruption and cancellation coverage, up to $10,000. This covers the gaps from the Travel Pro Plan, which only covers post-departure events. So if you needed to cancel the trip due to a covered illness or other reason, this is the plan for you.

If you want to increase the level of benefits for your after departure coverage, the Travel Pro Deluxe Plan does just that. It builds on the Travel Pro Plan, hence the name, and includes higher coverage limits for just $20 more.

All plans include the same travel assistance from Nationwide that's included with the single-trip policies. Here's how the multiple-trip plans compare:

Cruise coverage

Nationwide offers three cruise travel insurance plans.

If you're going on a short cruise or going for the first time, the Universal Cruise Plan may be a good starting point if you want added protection and to recoup nonrefundable costs. Just make sure that you qualify based on your state, as cruise coverage isn't available in all states.

If you're going on a longer cruise and want added coverage to protect your trip, the Choice Cruise plan is an option to consider. And if you're looking for the most benefits and go on many cruises, the Luxury Cruise plan offers the most coverage options.

All three policies can be refunded with a 10-day review period, except in Washington and New York.

Here's a comparison of the coverage you'll get with Nationwide's three different cruise travel insurance policies:

Additional coverage options from Nationwide

Nationwide has a number of additional coverage options that can add more protection to your policy but also add to the cost as well. These include:

• Financial default coverage , in the event your travel supplier ends up in default or bankruptcy. This is available with the Essential and Prime single-trip policies.
• Pre-existing condition waiver, which may offer coverage for pre-existing illnesses or diseases if certain conditions are met. This is available with the Essential and Prime single-trip policies.
• Accidental death and dismemberment, which can have limits of $5,000, $10,000, $25,000 or $50,000 depending on the plan. This is available with the Essential and Prime single-trip policies.
• Accidental death for flights only, which can have limits of $100,000, $250,000, or $500,000. This is available with the Essential and Prime single-trip policies.
• Rental car collision or loss coverage, in the event something happens to your rental car, you can add on this coverage for up to $25,000 or $35,000 depending on the plan.This is available with the Essential and Prime single-trip policies (except in Texas or New York).
• Cancel for any reason (CFAR) , which must be added to a policy and is available through the single-trip Prime Plan, the Choice Cruise Plan, and the Luxury Cruise Plan.

Nationwide Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The  average cost of travel insurance  is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for Nationwide Insurance plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate Nationwide coverage costs.

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

• Essential: $89.55
• Prime: $129.19

Premiums for Nationwide Insurance plans are between 3% and 4.3% of the trip's cost, well within the average cost of travel insurance.

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

• Essential: $113.01
• Prime: $160.47

Once again, premiums for Nationwide plans are between 2.8% and 4% of the trip's cost, within and below the expected range of travel insurance costs.

A Texas family consisting of two 40-year-old parents with a 10-year-old and 4-year-old on a two-week trip to Australia for $20,000:

• Essential: $571.62
• Prime: $801.94

Nationwide plans cost between 2.8% and 4% of the trip's cost, below and within the average cost of travel insurance. 

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following quotes:

• Essential: $248.56
• Prime: $352.44

Premiums for Nationwide plans are between 4.1% and 5.9%, which is well the average cost for travel insurance. While its certainly more expensive than coverage for younger travelers, it's on the lower end of what travel insurance companies tend to quote for older travelers. 

Nationwide Annual Travel Insurance Cost

Quotes from Nationwide's annual travel insurance plans don't actually change based on age or state. You'll get a base quote of $69, which will vary based on how much trip cancellation coverage you'd like to purchase. Prices range from $155 to $729

You can also select a Pro Delux upgrade, which will cost an additional $20.

How to Purchase and Manage Your Nationwide Policy

To purchase a Nationwide travel insurance policy, you first need to obtain a quote from Nationwide's website. You should be prepared to provide the following:

• Destination
• Departure date
• Return date
• State of Residence
• Total trip cost
• Initial trip payment date

When you select a plan, be sure to also take a moment and scroll through the optional add-ons, such as rental car coverage. 

How to File a Claim with Nationwide

If you purchased travel insurance through Nationwide and need to file a claim, you can contact a Nationwide representative. You have seven days from the start of the issue that caused loss to notify Nationwide of your claim.

Claims through Nationwide are handled by Co-ordinated Benefit Plans, LLC. You can use its claims portal or call a representative, based on your type of policy.

Single trip policy phone number: 888-490-7606

Annual plan policy phone number: 866-281-1017

Cruise policy phone number : 866-281-0334

Rather reach out via email? You can contact Nationwide via [email protected] .

If you need to send documents via mail, the mailing address is:

Co-ordinated Benefit Plans, LLC

On Behalf of Nationwide Mutual Insurance

Company and Affiliated Companies

P.O. Box 26222 Tampa, FL 33623

Nationwide refrains from promising a specific response time frame. However, customers have reported waiting several weeks before hearing any updates.

Since Nationwide offers such a wide breadth of insurance types, it's difficult to separate its travel-specific customer reviews from reviews on its other products. It received an average of 1.16 stars out of five across over 340 reviews on its BBB page, though most customers are writing about experiences with Nationwide's auto and health insurance.

On SquareMouth, a travel insurance-specific aggregator, Nationwide has an average of 4.01 stars across 570 reviews. Reviewers reported unresponsive a claims team and long wait times. Additionally, while insurance companies often engage directly with customer reviews on SquareMouth, Nationwide doesn't respond to customer reviews.

Learn more about how Nationwide Travel Insurance compares against the competition. 

Nationwide Travel Insurance vs. Allianz Travel Insurance

Much like Nationwide, Allianz Travel Insurance insurance offers many different types of insurance coverage. While the company may be most well known for auto insurance, it offers travel insurance as well and has eight options. Allianz Travel Insurance, a major player in the travel insurance space, has 10 options listed.

Allianz Travel Insurance may offer higher coverage limits for the policies offered and have a streamlined process for filing a claim online. Where Nationwide wins out is the fact that you can add cancel for any reason (CFAR) for an added cost, whereas CFAR coverage isn't available when purchasing an online policy via Allianz Travel Insurance.

Read our Allianz Travel Insurance review here.

Nationwide Travel Insurance vs. John Hancock Travel Insurance

John Hancock Travel Insurance  is similar to Nationwide in that it provides a wide range of insurance offerings and financial services. One of those offerings is travel insurance. John Hancock travel insurance offers travel insurance through Bronze, Silver, and Gold policies.

When comparing policies, the budget option may be slightly more affordable with Nationwide. However, mid-tier and higher coverage options may be more affordable with John Hancock travel insurance. It depends on your policy, trip details, and age. One good thing is that you can add cancel for any reason (CFAR) coverage under all John Hancock travel insurance plan options.

Read our John Hancock Travel Insurance review here.

Nationwide vs. credit card travel coverage

Rewards credit cards come chock full of benefits for cardholders, some of which they might be unaware of. One such perk can be travel interruption or cancellation coverage as well as rental car coverage. Credit cards may have sufficient coverage for quick trips. However, if you want the peace of mind of having solid medical coverage or higher limits, going the traditional travel insurance route may be a better fit.

For frequent travelers, credit card travel protection may be appealing as the coverage is constant. If you're looking for a comparable travel insurance plan with more comprehensive coverage, some companies offer annual travel insurance.

You can find our guide on the best credit cards with travel insurance  here.

Nationwide Travel Insurance Frequently Asked Questions

Nationwide's travel insurance offers very comprehensive coverage, including trip cancellation, interruption, medical emergencies, and baggage loss.

Yes, Nationwide allows the purchase of travel insurance up to a day before your departure. It doesn't offer plans for trips already in progress.

Nationwide covers COVID-19 like any other illness, covering trip cancellations with proof of a positive test and covering emergency medical expenses. 

Nationwide single trip plans cover pre-existing conditions as long as you purchase the Essential plan within 10 days of your trip deposit and the Prime plan within 21 days of your trip deposit. The annual plan doesn't cover pre-existing conditions, with a 60-day look-back period. 

Nationwide is known for its reliable customer service, wide range of coverage options, and the ability to tailor policies with various add-ons, setting them apart from many competitors.

Why You Should Trust Us: How We Reviewed Nationwide Travel Insurance

For our review of Nationwide, we looked at the leading travel insurance providers and compared the amount of options provided, coverage limits, cost, customer service options, and flexibility.

Nationwide is a top contender for cruise-related travel insurance policies and stands out for having cancel for any reason (CFAR) coverage, though it's not available with every policy and comes with an extra cost. To find the best travel insurance policy for you, review various providers and compare quotes before buying a policy.

Read more about how Business Insider rates travel insurance companies here.

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