travel insurance for international skiing

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Travel Insurance for Skiing and Snowboarding Trips

Planning a snowsports vacation? Find the best skiing insurance to cover your trip and yourself.

Molly Corry is an English literature graduate, travel writer and PR professional specializing in travel advice. Based in Leeds, England, when she is not writing, she enjoys attending dance classes and exploring new travel destinations to get inspired for her next piece of content.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Whether you’re a skiing or snowboarding newbie or a slalom expert, there’s nothing like the thrill of hitting the slopes. But amidst the excitement, it’s important to remember these winter sporting vacations come with certain health risks and dangers.

The last thing you want to experience during your vacation is an injury that puts you in line for travel medical care . Travel insurance for skiing or snowboarding trips is an important way to protect your vacation investment and your health on your trip.

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The Risks of Skiing and Snowboarding

The main risks associated with skiing and snowboarding, especially when traveling internationally, are the following:

• Injury: These sports both involve speed and navigating down steep, snowy slopes. This creates inherent injury risks. Common injuries include fractures, torn ligaments, dislocated shoulders, concussions, etc. Risk may be higher when skiing/riding at unfamiliar resorts with unknown terrain.
• Remote areas: Many resorts are located in very remote mountainous regions, miles from advanced medical care. This can be concerning if injured or in a serious accident when abroad, as access to good hospitals may be limited. Evacuations can also be complex.
• Extreme weather: Mountain weather can change rapidly, leading to low visibility, high winds, frigid temperatures, etc. This is especially dangerous if unprepared gear- or experience-wise.
• Altitude sickness: Most resorts are at high elevations of several thousand feet or more. This can trigger headaches, nausea, fatigue and other altitude illness symptoms in some people, especially when arriving from lower elevations. Staying properly hydrated and allowing time to acclimate is key.
• Costs of medical care: Any injury or illness requiring medical treatment will likely be very expensive if overseas without ample travel insurance. Skiing and medical transport from the slopes can rapidly escalate into thousands or tens of thousands in costs without insurance.

The risks can be managed with proper lessons, smart terrain choices, measured pace of advancement, use of protective gear, staying apprised of conditions, traveling with a companion, and securing travel insurance for the trip dates and locations. But the risk profile is inherently a bit higher than most other types of vacations. Careful preparation is a must to minimize this.

Snow or Winter Storm Interruptions

Choosing specialized travel insurance for skiing and snowboarding vacations will supply you with a backstop if you miss a curve and can’t control your skis or snowboard. These policies are tailored to cover the unique risks associated with these activities.

With insurance in place, you can enjoy your vacation knowing you’re protected against an array of potential mishaps and emergencies. Medical expenses for injuries on the slopes can be expensive, particularly in cases that require emergency evacuation, such as air ambulance rescue from the mountains or medical repatriation. Costs only go up if you have an injury that requires immediate surgery.

Beyond medical coverage, your insurance can also pay for trip interruptions and cancellations. You can claim reimbursement for the remaining costs if an unexpected injury forces you to cancel or cut your trip short.

You also may be eligible for compensation if an avalanche causes delays or piste closures. Your insurance might also protect against the loss, theft or damage of sports equipment — a valuable benefit given the high cost of such equipment and rentals.

Specialized insurance tailored for adventure sports vacations ensures that you’re protected against potential financial setbacks, allowing you to enjoy your adventure without unnecessary worries.

Skiing and Snowboarding Equipment Coverage

Equipment coverage is often considered essential for people who embark on skiing or snowboarding trips. Here are the typical available coverage options.

Equipment Theft Coverage

Equipment theft coverage supplies financial reimbursement if your gear gets stolen during your trip. However, you must review the policy’s fine print to decide the specific circumstances in which you are protected. For instance, confirm whether you are covered for theft at the ski resort, in your accommodation or during transit.

Equipment Damage Coverage

Equipment damage coverage protects you if your equipment sustains damage. Whether it occurs on the slopes or during transportation, this coverage ensures you’re covered for repairs or replacement.

Equipment Loss Coverage

It is always worth checking to see if your policy includes coverage for lost equipment. Losing your gear can be a frustrating and costly experience, so it’s best to have the appropriate protection in place should anything go missing.

Rental Equipment Coverage

Rental equipment coverage is an invaluable feature for people renting their skiing or snowboarding gear on their winter sports holiday. This coverage protects you if your rented equipment gets damaged or stolen or goes missing.

Choosing the Right Ski Travel Insurance Policy

When choosing a travel insurance policy for your snowboarding or ski trip, it’s important to prioritize protection for potential medical emergencies, trip cancellations and interruptions.

The right coverage will allow you to enjoy your time on the slopes without worrying about unforeseen circumstances. Finding the most suitable travel insurance plans involves researching insurance companies, comparing prices and coverages and looking at claims performance. Price comparison websites can be useful when trying to find cheap skiing or snowboarding vacation options.

You’ll first want to check the limit on how much coverage you can buy from various plans. You should also pay attention to age restrictions. Some policies may not cover senior travelers or those above 65, while others don’t have any age limit.

If you have pre-existing medical conditions, obtaining travel insurance coverage is possible but it usually costs more. Check whether your conditions are covered under the policy.

You’ll also want to verify that the cost of lost, damaged and stolen equipment is covered because snowboards and skis are expensive. Lastly, review the exclusions to know exactly what the policy’s limitations are.

By weighing these factors and looking at your trip cost, you can make an informed decision about picking the best travel insurance for your skiing or snowboarding vacation.

Benefits of Winter Sports Travel Insurance

Obtaining health insurance specific to winter sports vacations like ski trips offers multiple benefits. You get coverage for a range of situations, including healthcare expenses, trip interruptions and cancellations, medical evacuation and equipment loss, theft or damage.

You can also expect coverage for piste closures and delays caused by avalanches. And if you can’t use lift tickets you bought because of unforeseen circumstances, you may be eligible for reimbursement for those, too.

Securing the proper insurance coverage will allow you to relax and enjoy your trip, knowing that you are protected against all of the most common issues that could arise.

Tips for a Safe Skiing and Snowboarding Trip

Here are some tips for keeping safe on your snowboard or ski vacation.

Wear Appropriate Safety Gear

One of the most effective ways to stay safe on the slopes is to wear the right safety gear. Wear a well-fitted helmet to protect against potential head injuries , invest in goggles or sunglasses to shield your eyes from the sun, and consider using wrist guards for added protection.

Know and Follow the Mountain Rules

Take time to familiarize yourself with the rules and regulations of the mountain before hitting the slopes. Pay attention to speed limits, warning signs and any specific guidelines the ski resort provides. Adhering to these rules will help maintain a safe environment for all skiers and snowboarders.

Learn Trail Difficulty Levels

Know your skill level and choose slopes that align with your capabilities. Don’t overestimate your abilities and venture onto trails that may be too challenging. Selecting appropriate routes will reduce the risk of accidents and injuries.

Practice Responsible Skiing and Snowboarding

Practice responsible skiing and snowboarding by being mindful of others on the slopes. Stay on marked trails, keep a safe distance from fellow skiers and snowboarders when passing or merging, and avoid attempting maneuvers or slopes beyond your skill level. Respecting mountain etiquette ensures a safer and more enjoyable experience for everyone.

Is Ski Insurance Worth it?

Opting for specialized travel insurance for skiing and snowboarding vacations is the best way to ensure financial protection if unforeseen circumstances alter your trip. These policies are specifically designed to cover the risks associated with adventure vacations: medical emergencies, equipment issues and trip interruptions.

Choosing specialized sports coverage will leave you confident that you’re ready for challenges that may arise during your adventure on the slopes.

When choosing insurance for skiing and snowboarding vacations, carefully review the policy and understand its exclusions. This ensures that you have the coverage you need to enjoy your trip to the fullest.

Frequently Asked Questions About Travel Insurance for Winter Sports

What is travel insurance.

Travel insurance is financial protection for travelers in case some event alters the trip in a major way. It offers a range of benefits that can safeguard against various risks and unexpected events that may arise before or during a trip.

Are skiing accidents covered by insurance?

Should you get into an accident while skiing, your travel insurance will pay some expenses, depending on the policy. Your policy can cover you for injuries and emergency help. However, you must review the specific terms and conditions of your policy to understand the extent to which you’re covered.

Do I need travel insurance for skiing in France?

Whether you’re skiing in France or any other winter sports destination, we highly recommend getting travel insurance. Engaging in adventure sports always involves an element of risk, and having the right coverage in place is the best way to ensure that you’re protected against circumstances that negatively affect your trip.

What is the difference between travel insurance and trip cancellation insurance?

Travel insurance provides comprehensive coverage across different parts of your vacation, such as medical and trip interruption coverage. Trip cancellation insurance is more limited. It specifically focuses on protecting you if you need to cancel your trip or cut it short because of unforeseen circumstances.

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Find the perfect policy: Compare ski and snowboard travel insurance policies for off piste, backcountry, heli-skiing and more.

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Wintersport Travel Insurance for Skiing & Snowboarding

Cover for wintersports trips from and returning to your Home Country - whether you live in the UK, EU or elsewhere in the World, we have options to suit you.

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Benefits of Wintersport & Ski Travel Insurance

• Easy to arrange each time you travel Our Wintersports policy is a single-trip insurance, ideal for the occasional skiier or snowboarder. Cover for your holiday can be arranged quickly, even for last-minute bookings, ensuring that you can Ski or Snowboard with complete peace of mind.
• High levels of cover, even on a short trip Medical emergencies can arise whenever you travel, even on a skiing mini-break . Minor injuries on the slopes are common and major injuries can be financially and emotionally devastating, so take out a wintersport & skiing travel insurance policy with Worldwide Insure.
• 24-hr Multi-lingual Emergency helpline Worldwide Insure travel policies provide high levels of cover for urgent medical treatment from a GP or in hospital. Our Assistance Service can liaise with overseas medical staff and your own doctor so you don't have to. Treatment overseas and repatriation costs to return home after a medical emergency can be costly, so travel safe in the knowledge that your Worldwide Insure policy provides help if something goes wrong.
• Protection A holiday can be ruined by the theft or loss of personal baggage or Wintersports equipment; delayed departure; a missed flight – or trip cancellation. Taking out insurance means you won’t suffer the financial impact too.
• Specialist cover for Wintersports holidays Our travel insurance for skiing or snowboarding provides cover whether you're skiing for just for a few hours or for most of your trip, including cover for Ski equipment (your own or hired), reimbursement of Ski Pass costs if you cannot ski, & compensation for Piste Closure.
• Many other Sports & Activities covered As well as Skiing and Snowboarding, this policy covers a wide range of Sports and Activities.

Not Skiing or Snowboarding on your next trip?

Annual multi-trip travel insurance.

If you are a frequent traveller, our Annual Multi-Trip Insurance can cover any number of trips during the year, so it's ideal for last minute bookings. Cover travel in Europe or Worldwide, with options to cover Business as well as holiday trips. Many Sports, including Skiing, covered. Great value family policies!

Single Trip Travel Insurance

Whether taking a short break, a family holiday, or travelling on business, our Single Trip Insurance can cover you. Holiday or Business cover available for most destinations. Great value family policies!

Longstay Travel Insurance

Cruise travel insurance.

If you are planning a Cruise, our Travel Insurance policies offer cover in the event that you need to cancel, and cover for medical expenses if you become ill during the trip. In addition, our policies for UK residents offer optional Cruise cover for risks such as missed port of call; cabin confinement; shore excursions

Already overseas?

If you have already left your Home Country and forgot to arrange cover, or your original policy has expired, don't leave yourself uninsured. We offer policies if you are already away from home for a few days, or to up to 3yrs. We also cover Students studying overseas, and our Private Medical Insurance is available even if you are currently living away from home.

Existing Medical Conditions

Travellers with medical conditions can face obstacles when arranging insurance for a holiday or business trip. We understand the impact that an existing condition can have when planning a trip. Cover is available for most existing medical conditions. We offer a specialised screening service to take you through the options.

• Worldwide Travel Insurance, a specialist in travel insurance and related products, has over 20yrs experience in offering high quality cover at great prices.
• All policies purchased online are emailed immediately - ideal for last-minute bookings.
• Cooling-off Period: You have 14 days following receipt of your documents during which you can obtain a full refund if you have not travelled and no claim has arisen.

Customers with Serious Medical Conditions

If you are resident in the UK, the Money & Pensions Service (MaPs) has developed a directory of specialist Travel Insurance providers to assist UK-based travellers with existing medical conditions to obtain travel insurance that is affordable. If, due to a serious medical condition, we are unable to offer cover and you are having difficulty finding suitable insurance, you can use the MaPs travel insurance Directory to find a Company that may be able to help. Go to www.moneyadviceservice.org.uk or call 0800 138 7777 (Mon to Fri 8am – 6pm).

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Ski holiday insurance – the facts you need to know

--> BY Jessica Humphries

Last updated . 19 December 2023

Heading to the hills? Stay fancy-free in a winter wonderland by decoding the ins and outs of ski travel insurance first.

As majestic snowflakes blanket the mountains, the call of the slopes beckons adventure and nature enthusiasts. Ski travel insurance, often overlooked amidst the excitement of planning a winter escapade , is your holiday’s unsung hero, promising a worry-free journey down the frosty hills. Let us easily guide you through the intricacies of ski insurance, so you can focus on conquering the alpine realms.

Take note: Ski insurance is not usually part of the travel insurance deal

Ski travel insurance, synonymous with winter sports coverage, is your ticket to a safe, secure, and all-round sublime ski holiday. Ski travel insurance is tailor-made for skiing enthusiasts, offering protection against a range of potential mishaps that could dampen your snowy sojourn.

Test your limits in Mount Baldy, United States. (Image: Robson Hatsukami Morgan)

In your excitement, don’t be fooled into thinking regular insurance has your back – you’ll need to add this to your standard travel insurance when indulging in winter sports activities like skiing, snowboarding, and snowmobiling.

Secure ski insurance to conquer the slopes with ease. (Image: Cyprien Delaporte)

Why ski travel insurance matters

Let’s be honest – ski injuries happen. According to the stats, ski holiday injury rates are around three injuries per 1000 visitor days, and these are likely to be fairly major mishaps. Falls and collisions are major causes, resulting in fractures, sprains, and head injuries. So, securing a travel insurance policy with ski cover is essential when planning your trip. Shelling out even more funds for a fall is the last thing you want to worry about if the unfortunate does occur.

Falls and collisions may happen while skiing. (Image: Maarten Duineveld)

Your insurance will also likely reimburse you for unused ski equipment as the result of an accident or illness, and even cover you for incidents unrelated to skiing, giving you peace of mind amidst your snowy adventures.

Get the best ski protection you need for skiing at Mount Langkofel. (Image: Krzyszt of Kowalik)

What’s included in ski holiday travel insurance?

• A good ski insurance plan is a versatile shield against the unpredictability of the mountains. Here’s a list of what an ideal policy will cover:
• Medical treatment: coverage for medical and hospital expenses arising from injuries sustained during your ski adventures.
• Medical/emergency rescue: evacuation to the hospital.
• Ski equipment: protection against lost, damaged, or stolen gear. Keep in mind, though, that equipment won’t normally be covered if it’s damaged during use, or if left behind or unattended.
• Trip cancellations: reimbursement for non-refundable deposits in case you’re forced to cancel your trip.
• Unused equipment and passes: reimbursement for rented equipment, pre-paid ski lessons, or lift passes left untouched due to illness or injury.
• Resort closure: coverage for costs incurred if your ski field shuts down due to weather or natural disasters.
• Personal liability: if you’re one of the unlucky ones who collides with a fellow skier.

Steamboat Springs is home to the Howelsen Hill ski area. (Image: Chris Holder)

Common ski insurance exclusions to be aware of

• While ski insurance does blanket a plethora of scenarios, not everything falls under its protective umbrella. Here are some common exclusions to be aware of:
• Travelling out of season: stay within the season’s bounds to ensure coverage.
• Skiing beyond resort boundaries: stick to designated areas to stay protected.
• Under the influence: if you’ve had a few cheeky hot toddies or mulled wines, you’ll not only be vulnerable to injury, but your insurance may be void .
• COVID-19: consider uncertainties tied to illness or lockdowns.
• High-risk activities: even policies with sports in mind have limits to the activities they’ll cover you for.

Stay protected while travelling to the snow with ski insurance.

Choosing the right coverage and things to double-check

Not everyone’s ski adventure looks the same. So, before descending the slopes, make sure your insurance aligns with your unique plans and needs. Your provider will likely welcome additions to your insurance plan, so make sure to look closely into the following, and consider upping the ante if needed:

Mammoth Lakes is a great base camp for skiing. (Image: Robson Hatsukami Morgan)

Check the fine print: not the most fun part of your holiday, but understanding what your chosen policy covers automatically, and what you might need to add, is essential. Consider things like cancellation fees, luggage, and rental vehicle excess. Remember that not all insurance companies offer the same basic coverage.

Off-piste and cross-country skiing considerations: if you’re planning to head beyond designated ski slopes, check that your insurer provides coverage for this.

Holistic coverage: make sure you’re covered for your whole trip and not just when you’re in the snow.

Pre-existing medical conditions: some conditions may not be covered or require a premium. Check out our article about travelling with a medical condition here .

Whistler Blackcomb is North America’s largest ski resort.

Who’s eligible for ski travel insurance?

Most insurers limit ski coverage to those under 65, acknowledging the increased risk skiing poses to seniors. However, specialist insurers might offer protection for adventurous holidayers in their golden years. Regardless of age, purchasing ski travel before you hit the slopes is essential.

Extreme skiing is performed on steep slopes in Geilo, Norway. (Image: Nicolai Berntsen)

Calculating the cost

The price tag on ski travel insurance varies, influenced by factors like age, destination, trip duration, coverage level, and excess. Older skiers or those opting for higher coverage might incur higher premiums. Choosing a higher excess can reduce costs if you’re feeling confident, but the extra expense may be worthwhile for many.

For more tips and advice, read our travel insurance hub  to help you navigate the ins and outs of what to do before you head overseas.

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Winter Sports Travel: Are You Covered?

Winter sports insurance and more.

Yet wintertime sports are also famous as a shortcut to injuries. What’s more, those injuries may not be covered by your standard health insurance if they take place out of state or in a different country. And what if your ski trip or resort visit doesn’t go as you planned – if there are delays, lost luggage, or even snowless slopes?  A travel plan with winter sports insurance can cover all of these with support or compensation.

Enjoy Snow Sports? You Need Winter Sports Travel Insurance

Why are injuries from winter sports not covered by standard health or travel insurance? Winter sports are considered adventure activities — riskier than usual tourism or day-to-day work. It’s true that people are more likely to get injured skiing down a mountain than they are at an amusement park. That’s why adventurous travelers can get winter sports insurance that keeps up with them. Look for the terms adventure sports, extreme, or sports rider to find travel insurance for winter sports. Specific travel insurance for snowboarding or skiing is available with sport-specific benefits.

SafeTreker Adventure Sports Coverage

• Valid for US residents
• Coverage for over 450+ sports and activities
• Emergency medical coverage

What to Look for In Winter Sports Travel Insurance

Not all snow sports travel insurance plans are alike. Check that all the winter sports you and your family want to try at your destination are covered. Skiing and snowboarding are the classics, and you may focus on ski trip insurance. But snowy resorts have many more offerings: snow shoeing, snow tubing, ice skating, tobogganing and sledding, snowmobiling, and zip-lining. For example, ski travel insurance may not cover zip-lining. Yet many people who wouldn’t ski will try zip-lining when they see it at a winter resort.

Check the standards of coverage, too. You want good emergency care and relocation support for winter sports insurance. Resorts have excellent first aid staff, but their responsibilities are tightly limited. If you’re hitting the slopes in a different country, get medical travel insurance with repatriation coverage, to send you home safe if you’re badly hurt.

Is Everyone In Your Group Covered?

For the best winter sports travel insurance, get coverage for everyone on your trip — your entire group or family. One person may say they’re not going to ski or snowboard. But standing beside the slopes or an ice rink, seeing everyone else join in the fun, they may change their mind. They’re often the least experienced, and the most likely to be injured as they try winter sports as a beginner. So get coverage for everyone, just in case.

Also read: Group Travel Insurance

Travel Insurance for When You Go Skiing or Snowboarding

Out of the top ten winter sports in the U.S., skiing and snowboarding accounts for half of them, including alpine skiing, cross-country skiing, freestyle skiing, and ski jumping. The exhilaration of skiing and boarding is balanced out by their risks. The powder snow can hide “death cookies” (chunks of ice) and slicks of frozen slush. You may slide by others’ wipe-outs, or you may skid into a fall yourself. That’s why you want ski travel insurance or snowboarding travel insurance.

Should You Buy Travel Insurance for a Ski Trip?

Dedicated skiers often take long trips to make the most of powder snow around the world. You may go to Canada or Europe for an extended stay or as a digital nomad during ski season. Or you may be a ski professional, following winter from the frozen North in February to the Southern Hemisphere for July and August. The best ski travel insurance will cover you wherever you roam.

For an extended stay in many countries, like Canada, you must provide proof of your health insurance for the full time of your stay. When winter sports are part of that stay, you should ensure that you’re covered for them, too, or you could be in for serious hospital bills and debts. Annual travel insurance with winter sports coverage is an option for prolonged trips.

Understanding Small Print and Big Risks

Reading the fine print is important for any insurance policy. Insurance for skiing and snowboarding is no exception. You don’t want to miss out on important coverage because you didn’t read the fine print or properly disclose all activities. Among the things you’ll want to look into are:

• Does your insurance cover refunds for specialty lessons should you fall ill and need to withdraw? This may be covered under trip cancellation, as unused equipment or passes, or as lost recreation days.
• Does your policy cover additional winter sports and activities beyond skiing and snowboarding? Check your policy’s full list of covered activities.
• What are your options if you plan on taking part in helicopter tours, snowcat skiing, or other off-piste activities? You may need additional extreme sports coverage.

Our licensed brokers can help you find the best travel insurance for skiing, snowboarding, and more snow sports. You can get single trip winter sports insurance, ski travel insurance for a full season, or long-term travel insurance with winter sports cover. We’re here to answer your questions, so contact us any time.

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Lift Passes Have Their Own Fine Print

Fine print isn’t just on insurance documents. You’ll also find it on your lift pass, resort membership agreement, and other important documents. And, depending on what it says, you may need more or less insurance than you expected. For instance, some lift passes automatically include mountain rescue coverage. In some cases, this assistance extends to off-piste activities so long as they’re within the resort boundaries. But you won’t know unless you ask!

Resorts and lift passes may include some coverage – or they may sell coverage on-site. For example, in Europe, especially in France, you’ll likely be asked if you want Carre Neige coverage. It provides emergency coverage for hospitalization, rescue, and more. It has widespread recognition but it’s not essential.Think of it as being sold car insurance when you pick up a rental car. It can offer you extra protection and peace of mind but it isn’t necessary if you already have a comprehensive insurance policy. Know your policies before you hit the slopes so you won’t be hit by last-minute panic.

Is It Worth Getting Travel Disruption Cover?

When you’re traveling for winter sports, you want travel disruption cover. What if you need to stay longer while you’re having an injury treated? You’ll have travel costs as well as hospital costs, to change tickets and extend lodging. If this happens while you’re in another country, changes can get expensive fast. So get travel insurance too, and ensure that it has coverage for delays, booking changes, and lodging.

Does Travel Insurance Cover Snow?

If your travel insurance has storm disruption coverage, you’ll be protected from travel problems caused by too much snow. That includes travel delays and cancellations. If you’ve added winter sport insurance, you can have coverage for lost equipment rental fees, too.

What if you plan a ski trip and it turns out that there’s not enough snow for good skiing at your destination? Surprise – that too may be covered, based on the state or country. Winter sport travel insurance may compensate you for lost recreational days or lost skier days. That means if there’s not enough snow for you to do the winter sports you planned on, you can claim a benefit. Plus, you’ll still be covered for snowless adventures like hiking, climbing, white-water rafting, and zip-lining.

Insure Your Winter Sports Gear Too

When you love winter sports enough to travel for them, you’ve probably invested in your favorite winter sports gear. Ski boots range from $200 to $800 per pair. High-end winter sports clothing can cost thousands of dollars per outfit. And this gear is all bulky enough that you’ll be checking luggage if you’re flying. You may even be picking your luggage up after a flight from two different areas, for standard and oversized pieces. These changes and variations increase the chance that you or the airline will lose track of your sports luggage.

Once again, it’s time for some research. When it comes to gear coverage, you want to make sure there are no exclusions that will affect you. Is your gear covered if it is stolen from your hotel or the lodge restaurant? What if it’s damaged in transit by the airlines or by the hotel shuttle company? Will your insurance company cover the cost of rentals in the event that your gear is stolen or damaged? When considering how much protection to purchase, don’t forget to consider the cost of accessories and customizations and non-athletic items you always travel with such as high-end cameras.

Have Fun Safely with Winter Sports Travel Insurance

When you’re hitting the slopes, travel insurance with winter sports cover is essential. You’re investing in a unique adventure in a fresh location. Protect yourself, your travel, and your companions just in case things get gnarly, in the snow or at the airport.

Related Articles:

• Extreme Sports Travel Medical Insurance
• Winter Travel Guide
• Advice for Planning a Mountain Climbing Expedition

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The 5 Best International Travel Insurance Companies for 2024

Allianz Travel Insurance »

AIG Travel Guard »

Generali Global Assistance »

World Nomads Travel Insurance »

GeoBlue »

Why Trust Us

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

Table of Contents

• Allianz Travel Insurance
• AIG Travel Guard

With demand for international travel still on the rise, buying travel insurance makes more sense now than ever before. Having an international travel policy in place will ensure you won't lose the money you spent if your trip is canceled or interrupted for reasons beyond your control – or if your bags are delayed or lost entirely by your airline or cruise line .

Other protective benefits come from the best international travel insurance policies as well, including travel medical coverage for unexpected medical expenses and emergency medical evacuation. You may even find that the destination you plan to visit requires travel insurance, although most countries have dropped travel insurance requirements they initially put in place due to the pandemic.

U.S. News editors compared more than 20 of the top providers to find the best travel insurance companies for trips around the world. If you're hoping to secure the best international travel policy for your needs this year, the policies outlined below provide a solid foundation for you to start your research.

Frequently Asked Questions

While many countries began mandating travel insurance for visitors during the COVID-19 pandemic, most have loosened entry requirements and dropped this condition by now. Countries that still require international visitors to have travel insurance include the following:

• Antarctica: Travel medical insurance is generally required by cruise lines and tour operators for trips to Antarctica , with a standard minimum of $100,000 in emergency medical and evacuation coverage.
• Ecuador: You do not need travel insurance to visit the country of Ecuador, but you do need insurance with medical coverage to visit the Galápagos Islands .
• Qatar: Travelers visiting Qatar for more than 30 days are required to have a travel insurance policy that is approved by the country's Ministry of Public Health.
• Saudi Arabia: Visitors to Saudi Arabia from eligible countries must pay for an eVisa, and the cost includes compulsory travel insurance coverage.

International travel insurance works the same as travel insurance for domestic trips. These plans include various coverage options and coverage limits, and a deductible may or may not apply. Travelers can choose to purchase international travel insurance for a single trip or multiple trips; long-term plans for expats and missionaries are available from some providers.

While travel insurance policies can include a broad range of coverages, the main protections you'll want for international trips include the following:

• Trip cancellation and interruption coverage: This type of protection can reimburse you for prepaid travel expenses when a trip is canceled or interrupted for a covered reason beyond your control.
• Baggage delay insurance: This coverage can pay for incidental expenses that occur when your bags are delayed for a specific period of time (usually six hours or longer).
• Lost luggage coverage: This protection can replace your luggage and your belongings or reimburse you for costs if your bags are lost by a common carrier.
• Rental car insurance: This type of insurance may provide primary coverage when you rent an eligible rental car.
• Emergency medical and dental coverage: This type of insurance will pay for emergency medical treatment or dental expenses that may arise during your trip.
• Emergency evacuation coverage: This protection can pay for emergency transportation costs when you're sick or injured during your trip.

Also note that many travelers booking an international trip choose to purchase travel insurance that offers cancel for any reason protection, so they can cancel a trip for any reason at all, even if they just decide they don't want to go. That said, adding CFAR coverage to your policy will make your travel insurance plan more expensive. Most plans also have limits on how much of your prepaid travel expenses can be refunded, which are usually capped between 60% to 80% of your trip costs.

While coverages offered through international travel insurance plans tend to be broad, keep in mind that this type of insurance won't cover every situation that could arise. Some common issues that are not covered by international travel insurance plans include:

• Acts of war
• Claims due to air or water pollution
• Claims due to natural disasters
• Epidemics not specifically included in coverage
• Extreme, high-risk sports
• Government regulations or proclamations
• Nuclear radiation and contamination
• Terrorist events
• Travel bulletins or alerts

Many travel credit cards offer international travel insurance benefits, but you should know that these coverages have some limitations. For example, travel insurance plans from credit cards never provide meaningful amounts of coverage for medical emergencies or dental emergencies. You also have to pay for each trip with your travel credit card for coverage to apply.

The best international health insurance plan depends on factors like the length of your trip, where you're traveling and how much coverage you need. While you can take the time to get quotes from several different companies, websites like TravelInsurance.com and Squaremouth make it easy to compare coverage details, limits and pricing among several providers all in one place.

The cost of international travel insurance varies and can depend on your age, the length of your trip, your total trip cost and other factors. Consider getting multiple travel insurance quotes through TravelInsurance.com to get an idea of the cost of coverage for your upcoming travel plans.

• Allianz Travel Insurance: Best Overall
• AIG Travel Guard: Best for the Cost
• Generali Global Assistance: Best for Medical
• World Nomads Travel Insurance: Best for Active Travelers
• GeoBlue: Best for Expats

Buy coverage for single trips or multiple trips at once

Annual plans available

Lower coverage amounts for emergency medical expenses than some other plans

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Emergency medical coverage up to $50,000
• Emergency medical transportation coverage up to $500,000
• Trip change protector coverage worth up to $500
• Baggage loss and damage coverage up to $1,000
• Baggage delay coverage up to $300 (12-hour delay required)
• Travel delay coverage up to $800 ($200 per day)

Add-on coverage available for lodging expenses, preexisting medical conditions and rental cars

Optional CFAR coverage available with some plans

Coverage limits for its lowest-tier Essential plan may be insufficient for some trips

Add-on coverage for preexisting conditions must be purchased within 15 days of the initial trip payment

• Trip cancellation coverage worth up to 100% of the trip cost
• Trip interruption coverage worth up to 100% of the trip cost
• Baggage coverage worth up to $750
• Up to $200 in coverage for baggage delays
• Travel medical expense coverage worth up to $15,000
• Up to $150,000 in coverage for emergency medical evacuation

Choose medical coverage limits based on your needs

Generous limits for emergency medical expenses and medical evacuation across all plans

CFAR coverage must be purchased within 24 hours of initial trip deposit and is only available with Premium plan

Rental car coverage only included in top-tier Premium plan

• Trip cancellation coverage up to 100% of the trip cost
• Trip interruption coverage up to 175% of the trip cost
• Travel delay coverage up to $1,000 per traveler ($300 daily limit)
• Up to $2,000 per person in baggage protection
• Up to $2,000 in coverage for sporting equipment
• Up to $500 per person for baggage delays
• Up to $500 per person for sporting equipment delays
• Up to $1,000 per person in protection for missed connections
• Up to $250,000 per person in coverage for emergency medical and dental procedures
• Up to $1 million in coverage for emergency assistance and transportation
• Up to $25,000 per person in rental car coverage
• Up to $100,000 per plan in accidental death and dismemberment coverage

24-hour travel assistance services included

More than 200 sports and activities covered in every plan

Coverage limits within standard plans may be insufficient

No coverage for most preexisting conditions

• Up to $10,000 in coverage for trip cancellation
• Up to $100,000 in coverage for emergency medical expenses
• Up to $500,000 in protection for emergency medical evacuation
• Up to $3,000 in protection for damage or theft to your bags or gear

Purchase international travel medical insurance for individual trips, multiple trips or long-term travel

Coverage is mostly for emergency medical expenses abroad

Some plans require a primary U.S. health insurance plan

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has covered travel and travel insurance for more than a decade. Johnson has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and she has experience navigating the claims and reimbursement process. On a personal level, her family uses an annual travel insurance policy from Allianz. Johnson also works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – in their family media business.

You might also be interested in:

9 Best Travel Insurance Companies of March 2024

Holly Johnson

Find the best travel insurance for you with these U.S. News ratings.

Travel Insurance for Europe: 4 Best Options for 2024

Learn about a range of coverage options for traveling abroad.

The Best Travel Insurance for Mexico in 2024

Find coverage options for medical emergencies, travel delays, lost baggage and more.

Does My Health Insurance Cover International Travel?

Private health insurance typically doesn't cover international travel expenses.

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11 Best Travel Insurance Companies in March 2024

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

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

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

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Italy in April 2024. The traveler was a 35-year-old woman from Illinois who spent $2,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $76.64. 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 travel 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.

• Frequently asked questions

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 $56 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers a low-cost option for coverage.

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

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

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

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

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

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

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

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

For our test trip, Allianz Global Assistance’s basic coverage cost $91, about $15 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 $75 for our sample trip, the Essential plan was about average.

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, pet owners might want to add on kennel coverage, which covers boarding costs if your trip is delayed. Traveling with expensive gear or attending an expensive concert/sporting event? Consider adding on coverage for electronic equipment and ticketed events.

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 ($81 for our sample trip) provides less coverage than the higher-priced Explorer but 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 $63, nearly 17% below average for our sample trip.

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

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

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

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

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

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

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

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

The basic coverage plan for our trip to Italy costs $75 — 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.

IMG is also a good option for the budget-minded: the iTravelInsured Lite plan comes to just $59 for our trip to Italy — more than 20% below average.

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 $64 for our sample trip, knocking about $10 off 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 $89, the Basic plan was among the more expensive for our trip to Italy.

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 $73, the TripProtector Economy policy is just below 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 coverage 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.

What’s not covered?

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.

Methodology

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...

Ski and snow travel insurance

Skiing and snowboarding overseas can be great fun. But when you're speeding down a mountain on a piece or two of wood, the chance of an accident might be higher than if you're just wandering the pavement of a historic city. That's why Medibank Travel Insurance allows you to add additional ski and snow cover to your policy.

Get ski and snow travel insurance with Medibank

$unlimited overseas medical expenses.

Cover for hospital treatment costs and in the event of a medical evacuation¹

Protect your valuables

Cover up to $15k of lost, stolen or damaged luggage & items²

15% off for Medibank health members

If you're a Medibank health member, you receive 15% off travel insurance, all year round.

Multi-award winning travel insurance

We're proud to be winners of Mozo's Experts Choice awards in 2022 & 2023 and Canstar's 2023 Most Satisfied Customer - Travel Insurance award.

Simply add winter sports cover to any of our products

Whether you travel once a year or you’re a frequent flyer, you've got cover with single and annual multi-trip options for when you ready to hit the slopes.

International Comprehensive

Cover in the event of cancellation, amendment and delays, plus up to $6,000 towards any rental car insurance excess for car damage or theft. Simply add snow cover during your quote.

International Medical

Cover for medical and dental emergencies while you’re overseas. Including 24-hour emergency assistance and a choice in policy excess levels. Simply add snow cover during your quote.

Annual Multi Trip 

Comprehensive cover for the duration of your policy for: 

• International and domestic trips that are over 250km from home. 3
• Trips less than 250km, that include at least one nights paid accommodation. 3

What you get with ski and snow travel insurance

For an additional premium you can add cover for snow skiing, snowboarding and snowmobiling. The benefits included will depend on the travel insurance plan you select. Benefits may include: 

Overseas medical costs

Overseas medical costs associated with injury sustained by included activities. 1

Equipment hire costs

If you've hired equipment but can't ski, snowboard or snowmobile due to illness or injury (for 24 hours or more), then cancellation and amendment cover can apply for hire equipment. 4

Other pre-paid costs

Cancellation and amendment cover applies for other pre-paid costs, such as lift passes and lessons if you're unable to participate for more than 24 hours due to illness or injury. 4

What's included under snow sports cover

• Recreational skiing/snowboarding on a marked trail or slope prepared for the purpose of skiing or snowboarding within the boundary of the ski field or ski resort.
• Snowmobiling provided by the piste authority, for transport to and from designated recreational skiing areas within resort boundaries, or on a guided tour with a licensed operator.

What’s not included

• Any off-piste skiing/snowboarding.
• Training for, or participating in, a ski race competition; or sports activities in a professional capacity.

COVID-19 Travel Insurance Benefits and inclusions

Whether you're planning a trip within Australia, or heading overseas, our COVID-19 travel insurance benefits can help you relax and enjoy your much needed break. 

Ski & snow sports travel insurance FAQs

What does medibank travel insurance for ski and snow sports include.

If you will be participating in snow-skiing, snowboarding or snowmobiling during your trip, you will need to add and pay for additional cover to ensure you are covered by your Medibank Travel Insurance policy for these activities in times of claim. Note that our additional cover for ski and snow sports will only cover if:

• You are skiing or snowboarding on-piste;
• You are not racing; and 
• You are not participating in a professional capacity.

Please read the combined  PDS/FSG  for further information on coverage and exclusions.

Can I apply ski and snow sports cover to Medibank's Travel Insurance Policy for only a portion of my trip?

Medibank's ski and snow cover is based on the entirety of your trip. The plus side of this is that you have the flexibility on when to hit the slopes!

Things you should know

1   Medical cover will not exceed 12 months from the onset of the illness or injury. Medical evacuation cover subject to claim approval.

2   Item limits and conditions apply. See the  Combined FSG/PDS  for more information.

3  Cover is limited to a maximum duration of up to 30, 45 or 60 days for international trips or 15 or 30 days on domestic trips depending on the duration choice you make.

4  Conditions apply to cancellation cover. Only applies to the International Comprehensive and Domestic policies. Sub-limits apply. 

Limits, sub-limits, exclusions and conditions apply. This is general advice only. Medibank Private Limited, ABN 47 080 890 259, an Authorised Representative, AR 286089, of Travel Insurance Partners Pty Limited, ABN 73 144 049 230 AFSL 360138 arranges the insurance on behalf of the insurer. The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Please consider your own needs and the  Combined FSG/PDS  to decide if this product is right for you. For information on the Target Market and  Target Market Determinations , visit  medibank.com.au/travel-insurance/help/

Request a call back

Leave your details and a Medibank expert will be in touch to take you through your options. In providing your telephone number, you consent to Medibank contacting you about health insurance.

We'll have someone call you soon to help with any questions you have.

COVID-19 Health Assist - Expression of interest

Complete this form to express your interest in one of our programs. If you're eligible, a member of our team will call you within 2-3 business days.

What program are you interested in?

Sorry, only members with current Hospital cover are eligible to participate in these programs

Eligible Medibank members with Extras cover are able to access a range of telehealth services included on their cover - you can find out more here . Alternatively, if you would like to talk to one of our team about your cover, we're here on 132 331 .

Your membership details

Please provide your details so we can know how to contact you.

Your contact details

By clicking Submit, I understand that Medibank or its subsidiaries may contact me to discuss my eligibility for the Covid-19 Heath Assist program(s), and will disclose my personal information within the Medibank Group of companies and to third party service providers. Please see Medibank’s privacy policy for further information about how Medibank will handle my personal information, and how to contact Medibank: https://www.medibank.com.au/privacy/

Thank you for expressing your interest in one of our COVID-19 Health Assist programs.

If you are eligible, one of our health professionals will call you in 2-3 business days to discuss your situation and help to enrol you in the relevant program.

There is no cost to participate, however some referred services may incur an out of pocket cost.

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Travel Insurance for Skiing

Purchase insurance online on the website. Payment by any bank card. The insurance policy will be sent to your email within 3-5 minutes after payment. Valid worldwide electronically or print yourself

The insurance is valid in any country of the world

Any nationality

Insurance is suitable for citizens from any country and with any citizenship

The insurance is valid for people from 1 to 100 year old

Visa & Embassy

Insurance is suitable for submitting documents to the embassy and applying for a visa

The perfect travel health insurance that quickly solves problems of the tourist

The best health insurance for tourists. A single convenient tariff plan that includes all options. Price 1,5 USD for each day of travel

• Coverage of treatment for COVID-19
• Coverage for the treatment of other viral diseases
• Medication provision
• Treatment due to injury
• Calling a doctor
• Examination / doctor's consultation
• Emergency dental care
• Obstetric care until the 27th week
• Outpatient treatment
• Inpatient treatment
• Emergency call
• Calling a taxi to the hospital
• Transportation by medical aviation
• Medical evacuation to the country of residence
• Medical care
• Repatriation of the body to the homeland
• Burial in place
• Monetary compensation as a result of damage to the life or health of third parties
• Monetary compensation as a result of moral damage caused to third parties
• Monetary compensation as a result of damage to the property of third parties
• Transportation after inpatient treatment
• Depositing the deposit necessary for the release of the insured person from arrest

Select your travel details

Enter information about tourists

Make a payment in a convenient to you way

After payment, check your e-mail

How to quickly get a travel medical insurance for visa and travel in 4 easy steps?

Buy travel insurance online. Pay by bank card. The insurance is automatically sent to your email

Payment of travel medical insurance

Calculate the cost of the policy with the online calculator

Pay for insurance online with any bank card

We will send the insurance policy to your email immediately after payment

Specify country and dates of travel to get a price

Insurance details:

Trip duration:

Tourists: 1

Insurance includes:

35,000 USD (deductible 100 USD) , Calm

• 500 000 USD
• 1 000 000 USD
• Student Specially for students
• Work Accredited insurance for work
• Calm Fitness, yoga and pilates
• Extreme Wakeboard, freeride, wrestling
• Sport Competitions, training and camps
• Cruise For cruise ship travel

You must agree to the terms to continue

Trip duration: :

Medical coverage on 35,000 USD (deductible 100 USD) , Calm

Outpatient care, emergency doctor visits, dentistry, prescription drug costs

Enter your first and last name in the Latin alphabet, as in the passport

Trip participants

Tourist No. 1

, complete the purchase

We recommend including additional insurance in the policy

No deductible Deductible is the amount that the client must pay upon the occurrence of an insured event. Example: The hospital fee is $1,000. The deductible under tariff is 100 USD, the client pays 100 USD, and the insurance company pays 900 USD. Thus, the amount is divided between the client and the insurance company in accordance with the terms of the tariff plan.

Trip cancellation any serious injury of unforesseen medical condition that makes you unfit for travel (by order of licensed physician). the death of you or your travelling companion, or the death of a non-travelling family member. strikes or severe weather that result in travel services being unable to operate.unforeseen natural disasters at home or at the destination that make them uninhabitable. a legal obligation such as jury duty or being served with a court order or subpoena., search and rescue operation including evacuation by helicopter. up to 6000m, premium loss of baggage.

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Auras: your globally trusted international insurance provider

We make insurance simple. It is very well established among clients and has received a lot of positive feedback. World famous newspapers, TV channels, bloggers write about us

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No hidden clauses in the contract

We work all over the world

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Based on 436 reviews

THE BEST TRAVEL INSURANCE PROVIDER

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Frequently asked questions

What is a deductible, is travel insurance required, can i buy an insurance policy when i am already in another country, when does the insurance policy take effect, in what language should i write the information when buying, what should i do if the data is entered incorrectly, how to buy insurance for a child, how to issue an insurance policy for another person, which country should be indicated in the policy if i plan to travel to two or more countries in a row, what should i do if the payment has not gone through, how long does it take to receive the insurance policy after payment, how will the policy be sent, i have not received my policy. what should i do, what to do if an insured event occurs, how is monetary compensation after an insured event carried out, can i buy insurance for one day, is it necessary to buy insurance when flying on a transit flight, select a country and language, write to the director, type of travel.

Please select the type of travel that covers the majority of risks during your trip.

• Running and walking;
• Fitness, yoga and pilates
• Aerobics and aqua aerobic;
• Fishing (except underwater fishing);
• Descent into the cave with an excursion;
• Snorkeling;
• Organized animal riding tours;
• Billiards and bowling;
• Swimming (except diving).
• Weightlifting and bodybuilding;
• Cycling (except road cycling, cycling motocross, cycling track, cycling triathlon, and mountain biking);
• Military and historical reenactments;
• Rowing (kayaking and canoeing);
• Ice skating (except figure skating), sledding (except bobsledding, tobogganing, and skeleton), tubing, snow skates;
• Ball games (football, basketball, American football, rugby, volleyball, and others);
• Tennis (any);
• Roller skating (except rollerblading), scooters, segways (and other self-balancing personal transporter devices);
• Travel as a driver or passenger on ATVs, scooters, mopeds, scooters and motorcycles, snowmobiles;
• Visiting water parks, amusement parks, jumping on a trampoline;
• Water activities (other than those explicitly mentioned in the riskier options), including the use of water bicycles (except aquabikes and jet skis), towed inflatables and parachutes (parasailing), boats and watercraft;
• Recreational organized shooting at specially equipped sites (including archery);
• Water skiing, water motorcycles (aquabike), water tourism including yachting and participation in regattas;
• Alpine skiing and snowboarding on specially equipped or marked tracks (except freestyle);
• Trekking (cross-country hiking without mountaineering equipment) up to 3000 meters above sea level;
• Jeep safari;
• Surfing (including windsurfing and wakesurfing, except skysurfing);
• Sandboarding;
• Unaccompanied animal riding (including horseback riding);
• Sports and ballroom dancing.
• Motor sports on special tracks;
• Arm wrestling;
• Bungee jumping, rope jumping, and other types of bungee jumping;
• Bobsledding and Luge;
• Wakeboarding;
• Cycling (including motocross, road, BMX, track, mountain biking, trials);
• Alpine skiing and snowboarding (including freeride and heliskiing);
• Martial Arts (including all types of boxing and wrestling: boxing, MMA, Muay Thai, kickboxing, and others);
• Paragliding;
• Hot Air Balloon;
• Cliff diving;
• Mountaineering (mountain hiking, rock climbing, mountain biking, trekking (climbing) in mountains above 3,000 meters);
• Participation in any flight and parachuting;
• Hunting with any type of weapon;
• Hang Gliding;
• Parkour and freerunning;
• Rodeo (bull riding);
• Rollerblading;
• Trolley rappelling;
• Street luge racing;
• Flyboarding;
• Freestyle (skiing and snowboarding);
• Pogo-stick;
• Rock and ice climbing;
• Figure skating;
• Kiting (including kitesurfing and snowkiting);
• Scuba diving;
• Underwater fishing;
• Mountainboarding.
• Exacerbation of chronic diseases
• Coverage of the diagnosis of COVID-19
• Compulsory observation for up to 15 days
• Amount of compensation in case of an accident
• Return of adults
• Returning home minor children
• Standart loss of baggage
• Flight delay over 4 hours
• Loss of documents
• Expenses for staying abroad
• Payment of attorney's services
• Payment of interpreter services
• Reimbursement of costs for the preparation of documents necessary for returning to the country of permanent residence
• Reimbursement of losses that led to breakdown or damage of rented / rental sports equipment
• Payment of the cost of telephone communication
• Car transportation to the nearest service station
• Return of the driver and passengers to the country of permanent residence
• Sudden technical breakdown or damage due to a road accident

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FinanceBuzz

8 Reasons It’s Worth It To Buy Travel Insurance (And 6 Times To Skip It)

Posted: July 12, 2023 | Last updated: July 12, 2023

Life is full of unexpected events and complications, and that doesn’t stop just because you’re traveling. If anything, travel may have even more surprises than your day-to-day life at home.

Travel insurance can help you avoid wasting money if you have to cancel a trip due to illness, need medical coverage while you’re traveling, or send you home for medical reasons.

However, it may not always be necessary and can sometimes be a waste of money. Keep reading to learn when you should and shouldn’t opt for travel insurance.

Compare the best travel credit cards for nearly free travel

Safety net for international travel

The number one reason people buy travel insurance is to cover an expensive trip. And if you’re traveling overseas, chances are your travels will cost a lot of money.

In addition, there are potential complications when it comes to international travel, from losing luggage during connecting flights, missed or canceled flights, sickness, and more.

And if something catastrophic happens in a foreign country, travel insurance provides evacuation so you can get home safely.

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Medical coverage

Getting sick or injured is unpleasant enough when you’re in the comfort of your home, but it’s a new beast entirely when you’re abroad.

Generally, you can expect basic medical expenses to be covered through your travel plan, often including dental. Medicare will not cover medical expenses in a foreign country. If you’re traveling overseas, travel insurance for potential medical costs is worthwhile.

Cover rental car mishaps

Renting a car is a great way to get around when traveling because you can explore a place on your own. Using taxis or ride-share services may cost more money. However, even the best drivers make mistakes, and no one can protect themselves from reckless drivers.

Your U.S. car insurance won’t cover you when driving in a foreign country. So choosing the car-rental insurance option when you buy travel insurance may be a good move.

Be aware that most travel insurance rental-car plans cover collisions and may not cover medical expenses, damages to other cars or property, or personal property damage or loss.

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Pre-existing conditions often aren’t covered

Unfortunately, as with many health insurance plans, travel insurance often won’t cover pre-existing conditions. Travel health insurance is usually meant for unforeseen illnesses or injuries instead of complications due to an existing medical issue.

Even travel insurance companies that cover pre-existing issues often only cover physical maladies and exclude mental conditions and typical pregnancy-related symptoms and complications.

Protect lost luggage

A big fear for travelers is losing their luggage, either having it not arrive at the destination or stolen during their trip. Most airlines will offer reimbursement for luggage they lose, but it can take quite a while for this to process.

Travel insurance will cover the cost of replacing your clothing and other items while you wait for your luggage to be located and can also cover theft and damage.

Cover valuable items and gear

You should consider buying travel insurance if you’re traveling with valuables, including expensive jewelry, art, or even pricey sporting or adventure gear.

You’ll need to talk to the insurance agency specifically about covering your valuables, as they may need to be insured separately. Depending on your homeowners insurance policy, your jewelry may be covered even when you travel.

Sporting goods, including golf clubs, will not be covered by your homeowners insurance if you’re traveling, so you will need travel insurance to replace them if they’re lost, damaged, or stolen.

Pay no interest until nearly 2025 with these credit cards

Emergencies happen

While we do our best to prepare for the worst-case scenario, we can’t stop life from happening. Things like medical emergencies, a death in the family, or other catastrophes can halt your travel plans.

If you have travel insurance, rescheduling or cancellation fees will be covered, allowing you to deal with the emergency at your own pace. You won’t have to worry about losing the money spent on the trip and subsequent fees.

Natural disaster coverage

Are you planning a fall trip to the Gulf Coast or Florida? Consider your travel destination and the time of year you're going.

If you’re visiting someplace prone to natural disasters, especially seasonal occurrences like tornadoes, hurricanes, wildfires, and such, travel insurance can help you recoup your money should these events interrupt your travel plans.

Similarly, if a natural disaster occurs during your trip, often, insurance will pay to move you to a more secure location.

Extreme adventures may not be covered

Your insurance will most likely cover typical travel-related injuries but don't expect your medical bills to be covered if your itinerary involves extreme adventures or dangerous exploits.

Surfing, sailing, kayaking, bungee jumping, scuba diving, skiing, snowboarding, and other extreme sports do not fall into everyday illnesses or injuries. For these activities, consider getting a specific plan for adventure activities.

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Shaky travel companies

If you booked your trip through a travel company and it goes bankrupt, travel insurance may provide a safety net to ensure you get your money back.

Airlines, cruise ships, travel companies, and other travel-related businesses suffered during the pandemic, and many may not be on solid financial ground yet.

This may not be covered in a basic insurance plan, so make sure your agent adds financial default coverage if you are concerned about the health of your travel provider. 

In the situation any company or organization closes or is otherwise inoperable during your trip, you’ll be covered.

Now let’s look at times you may not need travel insurance.

Your credit card offers travel protections

Before purchasing travel insurance, consider which credit card you have. Many of the top credit cards  offer travel protections.

Some protections you may already have include lost luggage, rental car insurance, trip delay, and trip interruption or cancellation.

Credit card programs often don’t cover medical or other interruptions, so consider your priorities before choosing this option.

You have a domestic trip

If you’re traveling within the U.S. and its territories, travel insurance may not be necessary. For example, you won’t need medical coverage as your health insurance should be honored nationwide.

Domestic travel is also usually much less expensive. If you’re taking a cheap, last-minute, or nonstop flight and staying at an inexpensive hotel or rental, the cost of travel insurance may not be worth it.

One exception might be a family trip to Disney World. The estimate for a trip for a family of four in 2023 is more than $6,000, so travel insurance might be money well spent in this case.

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Don’t add expense to cheap trips

Not all travel is planned. Whether traveling for work, a family emergency, or just a last-minute vacation, you likely don’t need insurance in these circumstances. Odds are, you’re packing light, and both your flight and hotel are relatively inexpensive.

In these scenarios, the things insurance covers won’t be relevant, including baggage loss, flight cancellations, hotel issues, and so on. 

Not only will these costs likely be minimal, but they can be disputed with your airline or hotel, although it may take a little while to get your money back.

The airline has a flexible rebooking policy

If you’re buying travel insurance to cover the cost of rescheduling a flight, you’re better off purchasing a refundable ticket at a higher price. And some airlines have more flexible policies now.

Many airlines allow last-minute ticket changes and will even help you reschedule your flight within a specific timeframe. The timeframe and policy vary by airline, and you may be subject to a nominal cancellation or rebooking fee, but it will be significantly less than insurance.

Insurance will not cover political unrest

One emergency situation insurance probably won’t cover is war or political unrest. If you’re visiting a location with political tensions and your trip is canceled as a result, don’t expect your insurance to cover the costs.

Insurance companies generally follow the travel advisories the U.S. State Department issued for medical and political situations.

Similarly, insurance won't cover these costs if you have to leave your trip early for safety concerns. Consider your destination's political environment before booking your travel or buying insurance.

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Your hotel may cover cancellations

Many hotel cancellation policies have tiers depending on the booking you make. For example, some may have free cancellation within a specific period, while others charge different rates for rooms booked as non-refundable or partially refundable.

If your sole reason for purchasing insurance is hotel flexibility, consult with the hotel before you book. They may have a policy as flexible as your insurance or can work with you should something unexpected arise.

Penalty-free cancellations for major hotels tend to be around 24-48 hours prior to arrival.

Bottom line

Travel insurance may be pricey, but it’s a lifesaver in many situations. However, in others, it’s overkill and a waste of money.

Every travel situation is different, so consider your specific needs when purchasing. And, if you want more money to cover your insurance, consider these ways to make extra cash for travel funds.

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• 7 things to do if you’re barely scraping by financially.
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• Can you retire early? Take this quiz and find out.
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June 1, 2020

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

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

Ukraine; Belarus; Moldova, Republic of; (North) Korea, Democratic People's Rep; Russian Federation; Israel

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

Safer travel starts with travel protection

If you were referred by a travel agent, enter the ACCAM number provided by your agent.

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Type the country where you will be spending the most amount of time.

Age of Traveler

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Travel Dates

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Plan Start Date

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International Travel Insurance

International travel is exciting whether it's a quick visit to Paris, an African safari or a week in the Caribbean. Wherever your adventure takes you, international travel insurance can help you travel with peace of mind. If you become sick or injured while traveling; or if circumstances cause you to cancel or interrupt your trip, international travel insurance is there to help you. And, with our  OneTrip Prime plan , kids 17 and under are covered for free when traveling with a parent or grandparent (not available on policies issued to Pennyslvania residents). If something goes wrong when you're far from home, we're here to help. Just call our 24-hour assistance hotline.

View international travel insurance products .

International Travel Articles

The rewards of international travel are incredible — but before your adventure begins, you have to get through customs. We'll help you plan your next overseas trip, figure out what to pack, and protect yourself while you're traveling.

Featured Articles

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

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

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