best short term travel health insurance

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Buying the Best Travel Medical Insurance for You [2024]

Christy Rodriguez

Travel & Finance Content Contributor

88 Published Articles

Countries Visited: 36 U.S. States Visited: 31

Keri Stooksbury

Editor-in-Chief

43 Published Articles 3380 Edited Articles

Countries Visited: 50 U.S. States Visited: 28

Table of Contents

What is travel medical insurance, what does travel medical insurance cover, what doesn’t travel medical insurance cover, what travel medical insurance isn’t, how does travel medical insurance work, how much does travel medical insurance cost, which company has the best travel medical insurance, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

The thought of getting sick or injured while traveling can be one of the most stressful aspects of planning a trip. Often, travelers assume that their primary health insurance will cover all costs of medical expenses on their trip, but not every health insurance plan covers every country and situation.

To ensure you have coverage if you need it, you may need to consider purchasing travel medical insurance. This can fill the gap between your regular insurance and any coverage you may have with your credit cards . We’ll break down all of the important details and tell you everything you should know about travel medical insurance.

If you are traveling domestically within your own country, you will likely be covered by your primary health insurance. If you are traveling abroad, your coverage may not extend to those other countries. This is primarily where travel medical insurance comes into play.

Travel medical insurance is a type of international insurance designed to cover emergency health care costs you might face when you are traveling or vacationing abroad.

A travel medical policy can be an important addition to your trip since your primary health plan may not cover you fully if you need assistance outside of your home country. An uninsured injury or illness abroad can result in a huge financial burden that can be significantly reduced by having travel medical insurance.

Bottom Line: Travel medical insurance is recommended by the U.S. Department of State, the Centers for Disease Control and Prevention (CDC), and the World Health Organization (WHO).

According to Allianz Travel, the most common overseas medical emergencies that are claimed include:

• Fractures from falls
• Cardiovascular problems such as a heart attack or stroke
• Trauma involving motor vehicles
• Respiratory problems such as a collapsed lung

So going with that first item, let’s say you’re exploring Europe and end up twisting your ankle on the beautiful, but uneven cobblestone streets in Rome. Depending on the plan you choose, you may be covered for:

• The cost of a local ambulance to transport you to the hospital
• Your emergency room co-payment
• The bill for your hospital room and board
• Any other eligible medical expenses, up to your plan limits

But there are limitations to travel medical insurance. Before you purchase a plan, it’s important to know exactly what you are buying — including which things are and aren’t included in your coverage.

Travel medical plans are designed to help in the event of an unforeseen illness or injury while traveling abroad. Travel medical insurance offers emergency medical expense coverage as well as emergency evacuation coverage. This means that the plan will reimburse you for reasonable and customary costs of emergency medical and dental care (up to the plan limits — discussed below).

It is important to look closely at all plans you are interested in since many important things are hidden in the details. You might also find it helpful to brush up on your insurance lingo before doing this.

Plan Limits

Travel medical insurance covers emergency medical costs up to the plan limit. Plan limits vary greatly by plan but typically fall between $50,000 and $2,000,000. This is obviously a HUGE range, so you will have to determine the correct amount of coverage based on a few key items:

• How much (if any) will your own health insurance plan or credit card cover when you’re traveling outside of your home country? As we discussed above, Medicare doesn’t cover you at all outside of the U.S., so this would be an instance where you might want your plan’s coverage limit to be higher.
• How long is your trip? If you’re going to be away for more than 1 to 2 months, you might want a higher plan limit to account for the greater exposure to risk.
• Do you need extra coverage due to risky activities? For example, if you expect to ski, mountain climb, or do any other risky activities where you might get injured, you might want a higher plan limit.
• What do you feel comfortable with?  If you feel safer having $100,000 as opposed to $50,000, then that may be the right decision for you. This insurance plan should provide you a sense of security so you can enjoy your trip.
• Deductibles

Most medical single trip plans have some sort of deductible that you must pay before any benefits will be paid. After this, your travel medical insurance will cover any remaining costs, up to the plan’s limit.

However, you will be offered the option to increase, decrease, or remove the deductible altogether. Based on this choice, the price you pay (aka the premium) will be affected accordingly. For example, if you choose a higher deductible, your premium will decrease. If you choose a lower (or no) deductible, your premium will increase.

Length of Trip

You are covered by travel medical insurance based on the type of plan you purchase. These come in 3 types:

Single-Trip Coverage

This is the most common type of travel medical insurance. When you leave your home, go on a trip, and then return home, this is considered to be a single trip. While on your trip, you can still visit multiple countries and destinations all under the umbrella of this single trip. You will be covered for the duration of this trip under a single trip travel medical insurance plan.

Multi-Trip Coverage

Multi-trip coverage is for multiple trips and often purchased in 3-, 6-, and 12-month segments.

Long-Term Coverage

This is continuous medical coverage for the long-term traveler (think expats or people working abroad) and is typically paid on a monthly basis.

Does Travel Medical Insurance Cover COVID-19?

Many travel insurance policies offer good medical coverage, but not all plans cover expenses related to COVID-19 . If that’s important to you, make sure to verify that the plan you’re buying specifically covers you in case you contract COVID-19.

In general, cancellations due to fear of travel are not covered. However, some plans cover you if you or your covered traveling companion were to become sick as a result of COVID-19. This means that you could still receive benefits for the losses that are covered by the plan.

Many countries around the world , such as Costa Rica and the United Arab Emirates, are even requiring travelers to hold a specific level of medical coverage to account for COVID-19-related medical care and evacuation.

In addition, “ Cancel for Any Reason ” has become a hot topic. This optional coverage is not available with all plans but lets you cancel a trip for a partial refund no matter what your reason — including unexpected travel bans, lengthy quarantine periods, or cancellations due to concerns over COVID-19.

Since travel medical insurance is meant to cover emergencies, certain types of expenses are excluded from most travel medical policies. In addition, for insurance purposes, a pre-existing condition is general defined as any condition:

• For which medical advice, diagnosis, care, or treatment was recommended or received within a defined period of time prior to your coverage date (varies from plan to plan, but is typically within 60 days to 2 years)
• That would cause a “reasonably prudent person” to seek medical advice, diagnosis, care, or treatment prior to your coverage date
• That existed prior to your effective date of coverage, whether or not it was known to you (commonly includes pregnancy)

Hot Tip: You do not need a medical examination in order to purchase travel insurance. If you have a claim, the insurance company will investigate to ensure that your claim occurred during the coverage period of your policy and wasn’t a result of any pre-existing conditions.

Here are some of the most frequent exclusions:

• Pre-existing conditions as defined above
• Routine medical examinations and care (i.e. wellness exams, ongoing prescriptions, etc.)
• Routine prenatal, pregnancy, childbirth, and post-natal care
• Medical expenses for injury or illness caused by extreme sports
• Mental health disorders
• Injury caused by the effects of intoxication or illegal drugs
• Payments exceeding the plan limit

Unless you’ve purchased a comprehensive travel insurance plan, other exclusions include claims related to:

• Trip cancellation
• Lost luggage
• Rental car damage

Be sure to read the description of coverage for any plan you’re considering before you make the purchase. While reading the entire document front to back can be tedious, it’s better to know what’s excluded before you attempt to make a claim.

Now that we’ve let you know what is and isn’t covered by travel medical insurance, we’ll also breakdown the difference between travel medical insurance and other similar options.

Comprehensive Travel Insurance

Comprehensive travel insurance plans offer the most benefits of all plan types and will typically include medical coverage. It can offer you additional coverage for things like trip cancellation, trip delay and cancellation, lost luggage, and more. It’s the best way to cover a host of potential common travel-related problems.

Some comprehensive plans also offer additional coverage for things like rental car damage, Cancel for Any Reason, or a pre-existing condition waiver.

Bottom Line: Comprehensive travel insurance is a full-service plan and includes travel medical coverage as well as other coverages that will protect all aspects of your trip. 

Health Insurance

You might be thinking that already have medical insurance provided by your employer or through Medicare. However, when you travel to other countries, your primary health insurance might not go with you. Before your trip, check to see whether your domestic plan provides any coverage once you’ve left your home country since many offer limited or no coverage.

In case of a medical emergency, you will want to be able to lay your hands quickly on your travel insurance plan’s contact information for the 24-hour Emergency Assistance program as well as your policy number, so make sure to keep this information somewhere that is easily accessible. Also, be sure you know how to place a call to that number from outside the country.

This is important because you’ll be required to call your travel insurance provider and notify them that you need to be seen by a medical professional as soon as possible. Obviously, you may not be medically able to call before you seek emergency medical treatment, but you should do so as soon as you are able to.

The earlier you can call, the more likely it is that you can avoid any issues for payment of claims and you can also get help and advice from the company’s emergency assistance program.

Bottom Line: Specific details on when and how to contact your insurance provider in case of a medical emergency vary by plan and provider, so thoroughly review these details in your plan information.

For example, in the event of an emergency that requires emergency medical evacuation, your insurance provider will have to approve the evacuation and even make those arrangements for you. If you don’t call ahead to have them do this, the company may not approve the expense and you may be stuck paying for the evacuation in full.

Once you are actually at a medical facility to receive care, make sure to document the experience as thoroughly as possible. This means asking for copies of all of your records before you check out. You’ll need to provide these records to the insurance company when you eventually file your claim and having proof of treatment and costs will assist you in filing a successful claim and getting your money back as soon as possible.

Travel medical insurance plans can vary widely in price, but in general, plans cost anywhere between 4-10% of your total non-refundable trip cost. The pricing of any plan takes into consideration many things, including a few that we discussed above, to determine the cost. These include:

• Age of travelers
• Plan limits
• Supplemental plans such as “Cancel For Any Reason” coverage or coverage for pre-existing conditions
• Length of trip

In addition, if you decide that a comprehensive plan is a better choice for you, this will also increase the price.

The best travel medical insurance company for you may be determined by what type and how much coverage you’d like to have. Let’s review a few options and companies to consider.

Credit Card Coverage

Many premium cards have some medical coverage, so be sure to look over all of the best credit cards for travel insurance coverage and protection.

For example, cardholders of The Platinum Card ® from American Express may already have $15,000 of secondary medical coverage . For many, this may be enough, but for others, you may not feel comfortable at this level of coverage and want to purchase a travel medical insurance policy.

Travel Medical Insurance Policies

If you are looking to purchase a plan from a reputable company, a few options include:

1. Patriot Travel Medical Insurance from IMG Global

For the out-of-country plans, Patriot offers:

• Short-term travel medical coverage
• Coverage for individuals, groups, and their dependents
• Daily or monthly rates
• Freedom to seek treatment with the hospital or doctor of your choice

The following plans are available based on the level of coverage that you desire and you can request a quote through their website linked above.

2. GeoBlue Single Trip Traveler Medical Insurance

GeoBlue offers both the “Voyager Choice” and “Voyager Essential” single trip plans. Both plans allow you to choose your level of medical coverage (from $50,000 up to $1 million) and offer $500,000 in emergency medical transportation and repatriation coverage.

The main difference between the 2 plans is that the Choice plan does not require you to be covered by a primary health plan, but doesn’t cover pre-existing conditions. The Voyager plan will cover all pre-existing conditions, but functions as a secondary coverage after your primary health plan.

3. Allianz Travel Medical Insurance

Allianz offers an Emergency Medical plan that offers additional benefits that extend beyond simply medical coverage. This plan is a comprehensive plan that covers lost baggage and trip cancellation and delay, in addition to emergency medical coverage. See just a few of these benefits below:

In addition, many companies, such as AAA,  offer travel insurance through Allianz, so you may receive a further discount if you reference your AAA policy.

Travel medical insurance can be beneficial for most travelers when traveling internationally as most primary health insurance plans won’t cover you abroad. We hope we’ve given you the tools you need to select a plan that works best for you and your travel needs.

At the end of the day, a travel medical plan is a great option if you’re traveling abroad and are not worried about covering trip costs due to a cancellation or added expenses due to a travel delay. Anyone looking for robust coverage for baggage or interruption should consider an upgrade to a more comprehensive plan.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

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Short Term International Health Insurance

Short Term Insurance for Travel Abroad

You’ve worked hard. You’ve researched and planned. Your bags are packed, and your passport is in your hand. It is finally time for your international vacation! International trips can be exhilarating! From the beginning stages, when deciding where to travel and making travel arrangements, to finally arriving at your destination, the experience can be highly satisfying. One thing you can’t plan for is illness or accidents – both of which can result in overwhelming medical bills when you are traveling internationally. Many short-term international health insurance plans can help protect you from the high cost of medical care, help you access high-quality medical services, and ease some of the stress of dealing with unfamiliar medical systems.

Short-term international health insurance provides medical benefits for those traveling outside their home country or country of permanent residence for periods of 5 days to as long as 12 months.

Best Short-Term International Health Insurance Plans

Atlas Travel Insurance offers excellent short-term medical coverage for travelers abroad on short trips, vacations, or business trips. The plan offers emergency medical coverage, trip interruption, evacuation, and other benefits. IMG Patriot Platinum Travel Insurance offers similar coverage with much higher benefits and medical limits, providing a much higher level of coverage for short-term travelers.

Affordable Short-Term International Health Insurance Options

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Patriot Platinum Travel Insurance

• Maximum limits up to $8,000,000
• IMG pays 100% of medical expenses in-network
• Evacuation due to Natural Disasters & Political Unrest

Best Short-Term Travel Insurance for US Citizens Abroad

For US citizens taking a brief trip abroad, the GeoBlue Voyager plan is an excellent option as it provides superior service, excellent benefits, and comprehensive coverage for travelers.

GeoBlue Voyager Plan

• For U.S. citizens up to age 95
• Includes pregnancy coverage, baggage loss, trip interruption & more
• 24/7/365 service and assistance

What Is the Coverage Period for Short-Term Plans?

These plans can cover you for periods as short as five days to as long as 364 days.  You can purchase coverage for a specific period and then extend coverage as needed. Many of these plans also offer the option to renew your plan for an additional year after the initial policy term expires.

Travel Medical Insurance Versus Trip Insurance for Short Trips Abroad

Short-term travel health insurance plans will be trip or travel medical insurance plans. Typically, trip insurance covers details such as trip cancellation insurance and some limited emergency medical coverage. These plans are usually available for five to 60 days maximum trip length.

Travel medical insurance focuses primarily on providing comprehensive emergency medical coverage while traveling. Plans can often be purchased for periods of between five days and one year, sometimes renewable for up to three years.

Related:  Compare Travel Insurance Plans

It can be overwhelming to choose between the available trip insurance and travel medical insurance policies . Many insurance providers offer a wide range of products at various price points.

Holiday Insurance gives you peace of mind prior to your trip, during your trip, and on your way home. Visitor Coverage is a great option for travelers from abroad visiting you in your home country.

Who Needs Short-Term International Health Insurance?

The easy answer is everyone traveling internationally needs global medical insurance coverage in case they get sick or injured during their trip abroad. If you will be traveling outside of your home country for business or pleasure, it is essential to have Travel Medical Insurance. Likely, your existing health insurance plan will not cover you for travel abroad; if the coverage does exist, it is probably relatively minimal.

Insurance is a worthwhile purchase since anyone is susceptible to accidents or illnesses.

Need Long Term Cover: Research International Health Insurance Plans

Factors to Consider When Investing in Travel Medical Insurance

Single or multi-trip insurance.

Short-term travel medical insurance is available as a single-trip plan that covers a specific trip for a specified number of days or months.

If you travel more frequently, you may consider an Annual Travel Insurance policy that provides travel medical insurance for up to a year and a maximum number of days per trip. This can be a more cost-effective option for frequent travelers.

Best Annual Multi-Trip Travel Insurance Plan for Short Trips

For those of you who take multiple trips each year, an annual travel insurance plan will cover you or your family on each trip for the entire year. These plans offer the same benefits as a single-trip travel insurance plan but save you time and money if you take multiple trips. The  GeoBlue Trekker plan is a premium option for US citizens.

Trekker MultiTrip Travel Insurance

• Up to $500,000 for sickness and accidents
• $500,000 medical evacuation benefit
• Unlimited Trips Outside the U.S. for trips up to 70 days

What do the Best Short-Term Travel Health Insurance Plans Include?

• Freedom to choose the doctor or hospital you want
• Maximum Limits from $50,000 to $2,000,000
• Deductible options from $0 to $2,500
• Universal pharmacy discounts
• 24/7 access to an emergency assistance medical hotline to speak with medical experts
• Repatriation and emergency evacuation
• Trip interruption, and more…

As you consider the insurance coverage most suitable for your short-term trip abroad and your budget, remember to ask your sales representative lots of questions. They can also give you information about extra add-ons that may be available, such as for extreme sports coverage.

You have worked hard for your vacation! Having the best short-term travel health insurance plan will help protect you so you can relax without worrying if you get sick or your trip is interrupted.

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Author / Editor: Joe Cronin , Founder and President of International Citizens Insurance . Mr. Cronin, a former expat, is an authority in the areas of international travel, and global health, life, and travel insurance, with expertise in advising individuals and groups on benefits for today's global workforce. Follow him on LinkedIn or Twitter .

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The Best Short-Term Health Insurance Companies in 2024

Considering short-term health insurance? These plans are not created equal. We analyzed more than 3,000 data points to help you find the best option. Best overall company for short-term health insurance: UnitedHealthcare. Runner-up: National General Accident & Health

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CEO, Umbra Health Advocacy

Deb Gordon, the co-founder and CEO of Umbra Health Advocacy, has held executive roles in health insurance and health care technology services. She authored a book titled “The Health Care Consumer’s Manifesto,” based on her research as a senior fellow at Harvard Kennedy School’s Mossavar-Rahmani Center for Business and Government. Her works have been published on JAMA Network Open, Harvard Business Review blog, USA Today and RealClear Politics, among others. Gordon is an Aspen Institute Health Innovators Fellow and an Eisenhower Fellow. She was a 2011 Boston Business Journal 40 Under 40 honoree and a volunteer at MIT’s Delta V start-up accelerator, the Fierce Healthcare Innovation Awards. She earned her bioethics degree from Brown University and her MBA with distinction from Harvard Business School.

Updated: May 22, 2024

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• Best Overall
• Best Providers by State
• Most Customizable
• Best for At-Risk Individuals
• Best for Students & the Unemployed
• Best Short-Term Travel Coverage
• Best for Generic Prescriptions
• Best Without Application Fee
• How to Choose a Plan
• Is Short-Term Coverage for You?

Methodology

UnitedHealthcare earned MoneyGeek’s top ranking among short-term health insurance plans for having the most plans, more coverage for the cost, lower deductibles, low coinsurance and low out-of-pocket limits. Most of UnitedHealthcare's short-term plans cover prescription drugs.

National General Accident & Health was MoneyGeek’s runner-up because of its relatively good coverage-to-cost ratios and low application fees. It offers a lot of options with a range of out-of-pocket cost limits, increasing the chances you might find a plan that works for you.

Other companies do well on specific dimensions, offering decent options depending on the features that matter most to you.

What Is Short-Term Health Insurance?

Short-term health insurance is designed to cover temporary gaps in coverage, typically for one year or less though it can last longer. It does not provide comprehensive coverage or long-term financial protection for many health needs. Short-term plans don’t have to include essential health benefits or protections for people with preexisting conditions required in Affordable Care Act-compliant plans.

If you think short-term plans are a good way to save money on health insurance, think again. You might be able to get better coverage for less with expanded subsidies on Healthcare.gov or your state’s health insurance marketplace.

If you need temporary coverage, it’s smart to know what you’re getting when you buy a short-term plan.

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Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

Best Companies for Short-Term Health Insurance

MoneyGeek’s picks for the best short-term health insurance plans are UnitedHealthcare and National General Accident & Health. Monthly premiums for UnitedHealthcare’s short-term plans range from $21.18 per month to $659.96. That range for National General Accident & Health is higher, ranging from $35.57 to $872.90.

Best Overall: UnitedHealthcare

Offers the most short-term plan options

Most plans offer generic drug coverage

Out-of-network coverage

Highest application fee

Highest maximum out-of-pocket limit

Offers the most expensive plan

COMPANY HIGHLIGHTS

UnitedHealthcare offers a wide range of short-term plan options, making it more likely you’ll find one that works for you. Plans with low out-of-pocket limits, low or no coinsurance and low deductibles are available. Deductibles range from $1,000 to $15,000. UnitedHealthcare offers a wide range of options to suit different needs, form the cheapest and the most expensive.

Runner-Up: National General Accident & Health

Highest available coverage limit

Available in most states

Low out-of-pocket maximums

Longest general waiting period

Some plans have high out-of-pocket limits and deductibles

Cheaper plans generally not worth the cost

National General Accident & Health offers low coinsurance, low application fees, out-of-network coverage and several plans with generic prescription drug coverage. But many of the company’s cheaper options are not worth the money. On the other hand, its higher-end plans are among the best value for the cost. There’s only one short-term plan type, longer wait times and some plans with higher out-of-pocket costs.

The Best Short-Term Health Provider by State

National General Accident & Health performed the best in a state-level analysis of local health insurance providers. MoneyGeek collected pricing, plan options and cost sharing choices, then compiled profiles to compare companies.

Check your state to learn more about our analysis and to see more options for plans that fit your needs.

The Best Short-Term Health Insurance Providers in Each State

Health insurance comes in many different flavors — or plan types. Each has benefits and drawbacks. It’s important to understand the options to figure out what best fits your needs.

HMO health plans : Health Maintenance Organization plans (HMOs) offer comprehensive coverage, but you have to get care from a set network of health care providers. You’ll have to pick a primary care provider (PCP) who is like a gatekeeper for any other care that you need. If you need to go to a doctor or hospital outside that network, you’ll need a referral, and you may have to pay more. You may save money in exchange for these restrictions.

PPO health plans : Preferred Provider Organization plans (PPOs) are generally more flexible than HMOs, allowing you to see any health care provider in the health plan network without a referral, which means you don’t need permission to see a specialist, for example. You may pay more for this flexibility.

EPO health plans : Exclusive Provider Organization plans (EPOs) require you to see specific providers. There are generally no out-of-network benefits. You could save significantly on monthly premiums by agreeing to see only a more limited set of providers.

Indemnity health plans : Indemnity plans, sometimes called “fee-for-service” plans, offer you the most freedom to see almost any doctor or hospital without a referral. You don’t have to go through a PCP. Under these plans, you get to decide where to get care. These plans can be costly because there are so few restrictions, and providers do not necessarily agree to accept discounted rates from the insurer.

Network health plans : Network health plans are like PPO plans in that they create a network of health care providers that you can see. These providers agree to provide services to health plan members at discounted negotiated rates.

Most Customizable Short-Term Health Insurance Plans

Independence American Insurance Company offers 30 different plans and six term length options, earning it the top spot for Most Customizable. Its lowest deductible is $2,500 and its highest is $10,000. Monthly premiums range from $67.12 to $1,029.34.

Most Customizable: Independence American Insurance Company

Most plan options

Various term lengths to choose from

No waiting period or application fees

Not all plans offer out-of-network coverage

Though many plan options, only one plan type

Maximum out-of-pocket spending can be high

Independence American Insurance Company offers many term lengths. However, the shortest is six months, which may be longer than you need. With no waiting periods, no application fees and the cheapest plans for up to $2 million in coverage, these plans are more easily accessible than others. About half the plans offer generic prescription drug coverage.

It’s impossible to predict all your future health needs, so choosing the best health insurance company for you can be hard. But making an educated guess about how much health coverage you’re likely to need and for how long can help. For example, if you know you’re starting a new job in a few months, short-term health insurance can give you peace of mind in that gap. But if you’re on a job search and unsure when it will end, choosing the wrong short-term plan could leave you exposed if that search lasts longer than you expect.

Best Short-Term Health Insurance Company for At-Risk Individuals

National General Accident & Health has some of the better options for “at-risk” people — those who are likely to use their health insurance due to complex health issues — because they offer some of the highest coverage limits. Monthly premiums range from $35.57 to $872.90. But plan deductibles range from $2,500 to a whopping $25,000.

Best for At-Risk Individuals: National General Accident & Health

Low out-of-pocket spending limits in some plans

Low coinsurance

High out-of-pocket spending limits and deductibles on some plans

Cheapest plans not worth it

With low out-of-pocket spending limits, low coinsurance and high levels of coverage, National General Accident & Health offers some great options, especially for people with complex health needs. But beware of astronomical (up to $25,000) deductibles, which could mean you’re paying a ton out of pocket if you need services.

If you’re likely to need more health care — if you have a chronic condition or a complex health history, for example, it’s important not to go without health coverage. It could cost you a bundle if you need services while you’re uninsured. Short-term health insurance can ensure you have at least some coverage but it’s smart to check your options. You may get better coverage for less money (or not that much more) with subsidies on Healthcare.gov and the state health insurance marketplaces.

Best Short-Term Health Provider for Students & the Unemployed

Everest Reinsurance Company earned MoneyGeek’s pick for best short-term health insurance company for students and people who are in between jobs because it generally has low premiums and out-of-pocket spending limits, but still offers decent coverage. Monthly premiums range from $76.15 to $641.03, with deductibles ranging from $1,000 to $10,000.

Best for Students or the Unemployed: Everest Reinsurance Company

Lowest out-of-pocket spending limits

Decent coverage for the cost

Short general waiting period

Available in the fewest number of states

Long waiting period for people with cancer

No generic prescription drug coverage

With plans ranging from three months to a year in length, Everest Reinsurance company offers good options for students or others with short-term coverage needs, like people who are in between jobs. Its plans provide out-of-network coverage, low out-of-pocket limits, low deductibles and good coverage for the cost. Often, plans with low out-of-pocket limits and coinsurance cost more in terms of monthly premiums and annual deductibles. Everest Reinsurance Company offers a good balance for people on a budget because the out-of-pocket and coinsurance costs are low, but premiums aren’t necessarily more expensive.

If you’re unemployed, health insurance may feel out of reach. Short-term health insurance may be tempting because it can seem cheaper than buying coverage. But it may not be your best value, because there are so many ways to get health insurance even without a job or income. Check out all your options; you may be able to get better coverage for less by shopping around.

Best Short-Term Health Insurance Company for Travelers

It’s wise not to go globetrotting, or even across state lines, without health insurance. If you get sick or injured on the road, it could cost you. If you need short-term coverage while traveling, Everest Reinsurance Company may offer the right plans for you. Monthly premiums range from $76.15 to $641.03.

Best Short-Term Travel Health Insurance: Everest Reinsurance Company

Indemnity plan lets you get care almost anywhere

Low out-of-pocket limits and deductibles

Term lengths as short as three months

Available in fewest states

Only one short-term plan type available

With a short general waiting period and terms as short as three months, Everest Reinsurance Company plans can be great options for travelers. Out-of-network coverage and the indemnity plan design give travelers the flexibility to get care when they’re away from home.

Best Short-Term Health Insurance for Generic Prescription Drugs

If you take medications, it can be crucial to have health insurance. Even generic drugs can be expensive if you have to pay for them in cash. But you’ll want to make sure your insurance covers your prescriptions.

UnitedHealthcare was our pick for the best short-term health insurance company for generic prescription drug coverage because most of its short-term plans offer this coverage. Monthly premiums range from $21.15 to $659.96.

Best for Generic Prescription Drug Coverage: UnitedHealthcare

Most plans include generic drug coverage

Many options for plan types, term lengths and out-of-pocket spending limits

Highest out-of-pocket spending limits

Most expensive short-term plan on the market

UnitedHealthcare , MoneyGeek’s pick for best overall short-term health insurance company, also wins for best generic drug coverage because most of its plans offer generic prescription drug coverage. Its plans also provide decent value, with the most low-cost plans that are actually worth the money. With deductibles from $1,000 to $15,000 and low out-of-pocket spending limits, some UnitedHealthcare plans are relatively inexpensive.

Best Short-Term Health Insurance Company Without Application Fee

To get short-term health insurance, you often have to pay an application fee. These fees range from $0 to $40. Independence American Insurance Company is the best option for short-term coverage without an application fee. Monthly premiums range from $67.12 to $1,029.34.

Best Without Application Fee: Independence American Insurance Company

No application fees

No waiting period

Many plan options

Shortest plan term is six months, which may be too long for some customers

Many plan options but only one plan type

Out-of-network coverage not available on all plans

If you don’t want to pay a fee to get short-term coverage, Independence Insurance Company offers the best options. Plans offering up to $2 million in coverage are relatively cheap and about half the plans include generic prescription drug coverage.

Application fees can be as high as $35 or $40 — more than the monthly premium for some plans. If you’re looking for short-term coverage, adding a whole month’s worth of expense or more may not make sense. Independence American Insurance Company saves you that extra cost, though its plans start at six-month terms.

How to Choose the Perfect Short-Term Health Plan for You

Short-term health insurance plans aren’t right for everyone. They don’t tend to cover very much and they can be pricey. But, if you have a temporary gap in coverage and no other options, they can help you avoid being exposed financially if you need health care services.

Finding the best short-term plan can be overwhelming, but we’ve outlined the key steps you can follow, from assessing your needs to comparing options based on the criteria that matter most to you.

Think realistically about how long you’ll need coverage.

Short-term plans can last anywhere from three months to three years. If you know how long your coverage gap will last, like if you’re starting school or a new job at a particular time, you can choose the right plan duration. If you’re unsure, you may want to err on the side of longer coverage so you don’t get caught uninsured.

Remember that short-term health insurance is designed for temporary needs. If your gap in coverage could stretch longer than a few months or you don’t know how long it may be, it could be better to explore Marketplace plans.

Look at your medical history and assess the chances that you’ll need to use health care services.

Short-term health insurance companies aren’t required to offer all the essential health benefits covered by Affordable Care Act-compliant plans. Make sure you know what is covered in any plan you’re considering. If you know you have specific needs, such as a particular medication or access to a type of specialist, pay close attention to what those things will cost you on each plan. Narrow down your choices to plans that cover what you know you’ll need. If you have a complex medical history or a high risk of needing care, consider more comprehensive coverage, because you could spend a lot out-of-pocket on a short-term plan.

Examine your travel habits and plans.

Not all plans cover you when you’re away from home. If you travel a lot or have upcoming travel plans, you’ll want to find a plan with out-of-network coverage. Indemnity plans are likely to offer you the most flexibility to see health care providers wherever you may be. On the other hand, you may want to avoid HMOs, EPOs or network plans, which restrict you to specific providers contracted with the plan. Those may look cheaper, but if you need services outside the network, it’s likely to be much more expensive if it’s covered at all.

Calculate how much you’re willing to spend.

A good rule of thumb is to spend about 10% of your income on health insurance. That may not be realistic, depending on where you live, because monthly health insurance costs can vary widely by state. When you’re thinking about what you can afford to spend on health insurance, don’t just look at the monthly premium. Consider the annual deductible (the amount you’ll have to pay out-of-pocket before the insurance kicks in) and other costs such as copayments and coinsurance (the percent of medical bills) that you’ll have to pay until you reach your out-of-pocket maximum or spending limit. Also, think about what you’re getting for your money. MoneyGeek’s ratings consider the coverage-to-cost ratio or the value of the coverage you’re getting with each plan.

If you have savings and no major health risks or conditions, you may be safe opting for a lower premium and higher deductible plan. But if you would struggle with huge out-of-pocket responsibilities, paying a bit more each month to know you’re covered may be worthwhile.

Check out all your options.

Health insurance that seems cheaper because of low premiums can cost you more if it doesn’t cover what you need. With expanded subsidies available on the health insurance marketplace, you may be able to spend less for better coverage.

Feeling overwhelmed? Start with whatever’s most important to you, such as the monthly cost or coverage for a specific drug, service or coverage when you’re away from home. Narrow down your search based on your needs and preferences and start with options that fit your criteria.

Should You Get Short-Term Health Insurance?

Short-term health insurance is designed for people who need to fill temporary gaps in coverage. For example, if you graduate from college and know you’re starting a job with benefits in a few months, short-term insurance may be a good low-cost option. Or, you may have started a job but have to get through a waiting period for benefits to kick in. Only go this route if you’re generally healthy with few health risks.

Short-term insurance is not ideal for people who are uninsured for longer periods or who have more serious health care needs. These plans aren’t required to cover things that other health insurance must include, such as maternity care or coverage for preexisting conditions.

You lost your job and need coverage right away.

If you suddenly find yourself without a job or health insurance coverage, and you can’t afford COBRA (which lets you keep your employer’s health insurance but requires you to pay the full cost), short-term health insurance could be a way to make sure you’re covered while you figure out a longer-term solution.

You’re in between coverage.

If you have a defined gap in coverage, such as after you graduate from college or graduate school but before you start a job, short-term insurance can be a relatively quick and inexpensive way to protect yourself.

You’re in a waiting period for benefits at a new job or to qualify for other benefits, such as Medicare.

Short-term health insurance may be a good option if you’ve got a job with benefits but you need to wait until you’re eligible for them. In this case, you know you’re going to be covered and can plan for that specific period.

Frequently Asked Questions

Not sure if short-term health insurance is right for you? Overwhelmed by the options? See our frequently asked questions (FAQs) to help you get started.

MoneyGeek identified UnitedHealthcare as the best overall short-term health insurance company. It offers a wide range of options and is available in many places. Most of its plans offer generic prescription drug coverage, which some companies do not.

National General Accident & Health is MoneyGeek’s pick for runner-up overall because it offers plans with low coinsurance, low application fees, plus out-of-network coverage and several plans with generic prescription drug coverage. Its higher-end plans are among the best value for what you pay.

Short-term health insurance is sometimes called “skinny coverage” because it doesn’t cover the same comprehensive set of services required in other insurance. It may cover emergency room visits and some prescription drugs and doctor visits, but it generally doesn’t cover preexisting conditions, maternity care or mental health. It’s meant to be gap coverage used in short, defined periods for people who don’t have complex health care needs.

Like any health insurance, short-term plans include a range of factors to consider: monthly costs (premiums), deductibles, coinsurance and coverage options are among them. Think about what matters most to you. Is it the amount you’ll spend each month or how much you might have to pay if you use health care services? Do you care about where you can get care or how much bureaucracy you have to go through? Do you take a specific medication or see a particular provider? Filter the options by these criteria, and you’ll be able to narrow down your search.

Monthly premiums cost anywhere from about $20 per month to more than $1,000. But don’t just look at monthly premiums when considering how much a plan may cost. Look at the deductible, copayments, coinsurance and out-of-pocket spending limits, because those will give you a better sense of your total financial exposure. Also, look at coverage limits because anything beyond those will be on your dime.

To determine the best short-term health insurance companies, MoneyGeek analyzed more than 3,000 short-term health insurance plans from various companies across America, rating each company’s product offering based on the number of options, state availability, coverage-to-cost ratio, and more.

About Deb Gordon

Deb Gordon, the co-founder and CEO of Umbra Health Advocacy, has held executive roles in health insurance and health care technology services. She authored a book titled “The Health Care Consumer’s Manifesto,” based on her research as a senior fellow at Harvard Kennedy School’s Mossavar-Rahmani Center for Business and Government. Her works have been published on JAMA Network Open, Harvard Business Review blog, USA Today and RealClear Politics, among others.

Gordon is an Aspen Institute Health Innovators Fellow and an Eisenhower Fellow. She was a 2011 Boston Business Journal 40 Under 40 honoree and a volunteer at MIT’s Delta V start-up accelerator, the Fierce Healthcare Innovation Awards. She earned her bioethics degree from Brown University and her MBA with distinction from Harvard Business School.

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Best Overall Travel Insurance

Best travel insurance runner-up, best travel insurance for cruises, best travel insurance for reputation, best travel insurance for pre-existing conditions, best travel insurance for digital nomads, best travel insurance for affordability, best travel insurance for road trips, best for adventure traveling, get travel insurance quotes, how we reviewed the best travel insurance companies, ultimate guide to choosing the best travel insurance.

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

Traveling is an adventure, a leap into the unknown, a story waiting to unfold. But every story needs a safety net, and that's where travel insurance comes in. In this guide to the best travel insurance, we'll embark on a journey to help you better understand travel insurance and uncover the benefits that make it an indispensable companion for any traveler.

Best Travel Insurance Companies of 2024

• Best Overall: Nationwide Travel Insurance
• Runner-Up: AXA Assistance USA
• Best for Cruises: Travel Guard
• Best Reputation:  C&F Travel Insured
• Best for Pre-existing Conditions:   Tin Leg Travel Insurance
• Best for Digital Nomads:   WorldTrips Travel Insurance
• Best Low-Cost Option:   Trawick International Travel Insurance
• Best for Road Trips: Travelex Travel Insurance
• Best for Adventure Sports :  World Nomads Travel Insurance

Best Travel Insurance Companies

The best travel insurance companies offer comprehensive coverage options for a wide range of people and needs. For this guide, we looked at coverage options, customizability, and the best companies for specific situations, such as pre-existing conditions.

Here are Business Insider's picks for the best travel insurance companies in 2024. 

Nationwide Travel Insurance

Nationwide is of the largest players in the travel insurance space, offering nearly endless options for any customer on the travel spectrum, including annual travel insurance plans which can offer frequent travelers the flexibility to "set it and forget it" on their travel insurance coverage.

Nationwide Essential also offers some of the most affordable policies in the market compared to similar plans from competitors, which makes it a great pick for just about anyone. Buyers can discuss bundling options as Nationwide also sells homeowners, auto, pet, and other insurance products. Its travel insurance quoting is just as easy as it has been with other Nationwide insurance products.

Read our Nationwide travel insurance review .

AXA Assistance USA

AXA offers consumers a great option for no-stress travel insurance: low-priced plans, generous coverage limits on key categories including primary insurance on lost luggage, and up to 150% reimbursement for qualifying trip cancellations.

While add-ons are limited and rental car coverage is not included by default on cheaper plans, AXA is a perfect fit for travelers who don't plan to drive (or who already hold a travel credit card with rental car coverage), and don't need any additional bells and whistles.

Read our AXA Assistance USA travel insurance review .

Travel Guard

AIG is well-known insurance provider, and a great fit for travelers who want to ensure that they can get their money back in the event of canceled or interrupted travel plans.

While the company's policies can be pricey compared to its competitors, the high medical and evacuation limits make AIG a solid choice for older travelers who value peace of mind and simplicity over highly customizable plans that may be bolstered with medical upgrades.

Read our AIG Travel Guard travel insurance review .

C&F Travel Insured

While every travel insurance company has negative reviews about its claims process, C&F Travel Insured 's claims process has a consistent stream of positive reviews. One customer wrote that C&F processed a claim within 48 hours. Additionally, C&F regularly responds to customer reviews within one business week, making reviews a consistent way to reach the company.

Additionally, in C&F's fine print, it mentions that any claims that take more than 30 days to pay out will begin to accrue interest at 9% APY.

C&F's reputation isn't the only thing to speak highly of. It offers an array of add-ons uncommon in the travel insurance industry, such as Interruption for Any Reason insurance and CFAR coverage for annual plans. C&F also offers discounts for children on its Protector Edge plan and free coverage on its Protector plan.  

Read our C&F Travel Insured review . 

Tin Leg Travel Insurance

Tin Leg is a great fit for travelers with medical issues in particular. Seven of Tin Leg's eight travel plans include coverage for pre-existing conditions as long as you purchase your policy within 15 days of your initial trip payment.

Thanks to coverage for pre-existing medical conditions as well as for potential COVID-19 infection while traveling, this company offers some of the best financial investment options for travelers who are or will be exposed to higher health risks and issues.

Read our Tin Leg travel insurance review .

WorldTrips Travel Insurance

WorldTrips has affordable premiums, highly customizable add-ons, and generous coverage for core categories of travel insurance. All this makes it a great option for digital nomads, students studying abroad and backpackers.

However, travelers should keep in mind that plans are not particularly flexible, and coverage amounts are limited unless you plan ahead to pay for the areas and amounts that you need.

Read our WorldTrips travel insurance review .

Trawick International Travel Insurance

Trawick offers low premiums across its five plans, most of which offer coverage for pre-existing conditions. You'll find robust medical travel insurance that can help higher-risk and anxious travelers find peace of mind while on the road. This company also offers high medical evacuation coverage limits, up to $1,000,000.

Read our Trawick travel insurance review .

Travelex Travel Insurance

Travelex offers three plans:

• Travel Basic
• Travel Select
• Travel America

The Travelex America plan is meant for trips limited to the U.S., but it has the highest coverage limits in many areas compared to its other programs. If you're flying somewhere, the lost baggage limits are higher. Its natural strengths shine for road trippers, though. Travelex America adds coverage for roadside service and rental car coverage for unexpected accidents. It also covers pets should you be involved in an accident while on the road.

While your standard auto insurance does extend to car rentals within the U.S. for a limited time, any accident would affect future rates. Travelex would eliminate the risk of reporting to your auto insurance provider for minor incidents within its purview.

Read our Travelex Travel Insurance review .

World Nomads Travel Insurance

World Nomads distinguishes itself from others by covering over 300 sports and activities, from skydiving to golf. Additionally, its one of the few travel insurance companies that allow you to purchase after departing for your destination. However, you'll have a 72-hour waiting period before coverage kicks in.

That said, World Nomads doesn't have the highest coverage limits compared to its competitors on this list, travel medical insurance capping out at $100,000. It also isn't the most flexible provider, only providing two plans to choose from with no options for pre-existing condition coverage. Yet, World Nomads still stands out for its sports coverage and post-departure coverage.

Read our World Nomads travel insurance review .

Introduction to Travel Insurance

Why travel insurance is a must-have.

The unpredictable nature of traveling – from flight cancellations to medical emergencies – can turn your dream vacation into a nightmare. Travel insurance acts as a personal safeguard, ensuring that unexpected events don't drain your wallet or ruin your trip.

Understanding Different Types of Travel Insurance

Not all travel insurance policies are created equal. From single-trip travel insurance policies to annual travel insurance plans , from minimal coverage to comprehensive protection, understanding the spectrum of options is your first step in finding the right fit for your journey.

Key Features to Look for in Travel Insurance Coverage

Travel insurance for medical emergencies.

Imagine falling ill in a foreign country; daunting, right? A robust travel insurance plan ensures you don't have to worry about how much emergency medical care while traveling will cost, even in the most remote corners of the globe. This coverage will often come in tandem with emergency medical evacuation coverage.

Trip Cancellation and Interruption Benefits

Life is full of surprises, some less pleasant than others. Trip cancellation and interruption coverage ensures that you're not left out of pocket if unforeseen circumstances force you to cancel or cut your trip short. You may also look for cancel for any reason and interruption for any reason options, which will reimburse you for a percentage of your nonrefundable fees, but expands the covered reasons you can cancel a trip. You can find our guide on the best CFAR travel insurance companies here.

Coverage for Personal Belongings and Baggage Loss

Losing your belongings is more than an inconvenience; it's losing a piece of your world. Insurance that covers personal belongings and baggage loss ensures that you're compensated for your loss, helping you to rebound and continue your adventure.

Support and Assistance Services

In times of trouble, having a lifeline can make all the difference. Look for insurance that offers 24/7 support and assistance services, giving you peace of mind that help is just a phone call away. Also, check websites that field customer reviews like Trustpilot, the Better Business Bureau, and InsureMyTrip , to see how well a company responds to customer requests.

Choosing the Best Travel Insurance

Reputation and reliability of the travel insurance provider.

A provider's reputation is not just about being well-known; it's about reliability, customer satisfaction, and the ability to deliver on promises. Researching and choosing a reputable provider is a cornerstone in ensuring your safety and satisfaction.

Understanding the Policy's Fine Print

The devil is in the details, and understanding the fine print of what your travel insurance policy covers is crucial. Be aware of coverage limits, exclusions, and the process for filing a claim to avoid any unpleasant surprises.

For example, to get coverage for a canceled trip due to work, many travel insurance companies require that you've been with that company for at least a year. 

Customer Reviews and Feedback

In the age of information, customer reviews and feedback are goldmines of insight. Learn from the experiences of others to gauge the reliability and customer service of the insurance provider you're considering. While the ratings are important, you should also look at whether or not a company responds to customer complaints.

How to Get the Most Out of Your Travel Insurance

Knowing your policy inside out.

Familiarize yourself with every aspect of your policy — what it covers, what it doesn't, how to file a claim, and who to contact in an emergency. Being informed means being prepared. At the very least, you should have the terms readily available while you're on your trip.

Steps to Take When a Problem Arises

If you face an issue during your travels, knowing the immediate steps to take can make all the difference. Your insurance company may even have a 24/7 assistance hotline that can walk you through an emergency during your trip, even issues that don't involve claims. 

When a problem arises. you'll want to document as much as possible, in case you need proof when filing a claim. Ask for receipts and invoices when possible.

How to Pick the Best Travel Insurance Company for You

There isn't a one-size-fits-all policy that works perfectly for every traveler. Young, healthy solo travelers can opt for much cheaper plans that offer bare-bones coverage, while families juggling complex itineraries will do best by investing in a robust policy that can help defray any costs associated with lost baggage, delayed transportation or other trip-impeding obstacles.

That being said, you can't go wrong with a travel insurance provider that boasts a reputable history and offers a wide range of customizable plans. In some cases, you may be comparing plans that are only a few dollars' apart from each other. In such situations, you should generally opt for the insurance company that offers the strongest customer service. It's also worth considering whether or not the travel insurance provider has been reviewed by other travelers with similar itineraries to your own. 

An insurance aggregator like InsureMyTrip or Squaremouth is one of the best tools for searching travel insurance policies. Once you input the specifics of your travel itinerary, you'll be able to see hundreds of search results to compare the ones that catch your eye. If the options are too overwhelming, use the filters to the left of your search page to eliminate as many irrelevant plans as possible.

To come up with our list of the best travel insurance companies, Business Insider evaluated each insurer based on the following factors:

Guide Methodology: What We Considered

Policy Types

Travel insurance is essential, but often underused partly because people aren't getting what they want. Business Insider's 2023 travel study showed 10.65% of travelers surveyed bought cancel for any reason insurance. Cost may be a factor, but in many cases, the coverage is more affordable than you might think. Regardless, companies must offer a diverse range of coverage options. We award five stars to companies offering all standard coverages and additional options like pet and sports equipment protection.

Our 2023 travel study indicated the majority of purchases were made through the travel provider (ex: flight protection insurance when you're purchasing your airline tickets). While these may be sufficient for some customers, we look for companies offering a more comprehensive range of services.

According to the U.S. Travel Insurance Association, the average cost of travel insurance will be between 4% and 8% of total travel expenses. Anything beyond that price point should include additional benefits beyond the standard inclusions, such as CFAR protection or upgraded medical coverage. Anything below that 4% threshold may leave you lacking important or sufficient coverage in an emergency.

Convenience and Flexibility

Whether you're an infrequent traveler or a suitcase warrior, a good travel insurance company should have you covered. In many cases, you might not even have to talk to a person in order to purchase your policy.

Many people think of travel insurance in context with specific trips, but most of these top contenders sell both single-trip and multi-trip policies, also known as annual travel insurance. Some companies also offer plans specifically designed for cruisers, students abroad, and business travelers. (Read our guide to the best cruise travel insurance companies for more details.) Finally, all of these providers offer multiple options for getting the specific areas and amounts of coverage that you want.

Claims Handling

Most travelers never have a large claim. Premiums are low, and it provides peace of mind for the just in case situations. So they leave reviews based on their reduced stress levels. But what happens if you lose your luggage or have to stay a few extra days due to an unexpected accident? Will your insurance carrier cover your claim without all the hassle? We check real customer reviews to sort this out for you.

Ease of Use and Support

When purchasing, during your trip, and throughout the claims process, you may need extra support. Does the company have a 24/7 help line? Does it have an online or mobile system allowing you to self-manage? Essentially, what are the options when you need help? We look at the big picture to evaluate the average customer experience with each company.

You can read more about how Business Insider rates travel insurance for even more details. And see our guide to the best travel insurance in California if you're traveling to that state, specifically.

Best Travel Insurance FAQs

There isn't one best travel insurance company; there are many great providers on the travel insurance market today. Our overall winner was Nationwide for its breadth of coverage options. AIG Travel Guard, AXA, Berkshire Hathaway, Tin Leg, WorldTrips and Trawick also made the cut. The best pick for you will depend on what features you value the most, like a low premium or high coverage limits.

While coverage varies by policy, common exclusions often include pre-existing medical conditions (unless you have purchased a waiver), accidents caused by high-risk activities if not specifically covered (e.g., skydiving, scuba diving), travel for medical procedures, and events known before purchasing the policy (e.g., traveling during a pandemic). Always read your policy carefully to understand the exclusions.

The average cost of travel insurance is 4% to 8% of your total trip cost, so it could vary widely depending on where you're traveling and the length of your trip. Your age, the number of people in your group, and other factors can also influence how much you'll pay.

Yes, travel insurance typically offers some coverage of canceled flights, but if this benefit is important to you, make sure you read the fine print of your policy to make sure it offers adequate reimbursement. If you think you may need to cancel your travel plans, you should consider purchasing cancel for any reason (CFAR) travel insurance .

The right amount of travel insurance depends on your trip, but $100,000 should be sufficient for most travel plans. You may want more coverage for travel medical insurance and emergency medical evacuation coverage.

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U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

9 Best Travel Insurance Companies of 2024

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

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

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

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

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

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

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

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

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

SEE FULL REVIEW »

Annual and multitrip policies are available

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

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

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

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

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

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

More limited coverage for baggage issues than other companies

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

Travel insurance policy coverage is tailored to your specific trip

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

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

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

Limited trip cancellation coverage even at the highest tier

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

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

Cancel for any reason coverage costs extra

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

Generous emergency medical and emergency evacuation coverage

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

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

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

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

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

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

Travel Insurance Types: Which One Is Right for You?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Why Trust U.S. News Travel

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

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Travel Medical Insurance Emergency Healthcare Coverage

• Based on quotes gathered by our research team, the average cost of a travel medical insurance policy is $204, or between 5% and 6% of your total trip.
• Travel medical insurance might be worth considering for your next trip if you have a domestic health insurance policy that won’t cover you internationally.
• While travel medical insurance can provide you with peace of mind in the event of an emergency, it will add to your established trip expenses, which travelers on a budget may not find ideal.

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

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.

Here’s a breakdown of how we reviewed and rated the best travel insurance companies

What Is Travel Medical Insurance?

International travel medical insurance is a type of insurance that can help cover the cost of medical care abroad. If you’re on vacation and suffer a sudden injury or illness, you may need to receive care from a local facility, which your domestic health insurance might not cover. Depending on your location, you might even require transportation to a more advanced facility via Helivac or other specialized medical transport.

Without travel medical insurance, coverage is up to the discretion of your health insurance provider. If not covered, you could accrue thousands of dollars in medical bills by the time you return home, especially if you need emergency medical evacuation services. If you have a travel insurance plan with medical coverage, your insurance provider will cover certain expenses up to your coverage maximum.

“International travel presents several risks, ranging from having passports and other valuables stolen to experiencing health-related problems that require immediate medical attention or having your travel plans disrupted ,” said Lisa Gardner, Ph.D, visiting assistant professor of actuarial science at Drake University.

Like other types of travel insurance, travel medical coverage typically works on a reimbursement-based model, meaning you will have to pay the initial bill upfront. So if you purchase a plan, it’s important to keep documentation of all medical expenses you incur while on your trip so you can file a claim.

Travel Health Insurance vs. Travel Insurance

A travel medical insurance policy provides a limited range of benefits that can help cover the costs of emergency medical bills incurred while traveling.

Medical-only policies are typically more affordable than full travel insurance but will not provide trip delay and interruption benefits. For example, if you get sick on vacation and must go home, medical-only insurance will not compensate you for nonrefundable flights or hotel costs.

The table below summarizes the types of coverage you can expect from travel medical insurance policies versus a complete travel insurance plan.

The coronavirus pandemic shifted how most people travel worldwide, and travel insurance companies now typically include COVID-19 coverage within plans . Most reputable travel medical insurance companies list COVID-19 as a covered reason for medical coverage. If you are worried about the virus while traveling, we recommend reading your provider’s sample policy to ensure COVID-19 coverage is eligible for reimbursement.

Sixty percent of the 1,000 survey respondents in our 2024 travel insurance survey would recommend a comprehensive travel policy with medical coverage, cancellation, baggage and more to a friend.

What Does Travel Health Insurance Cover?

To help you better understand what international travel health insurance coverage offers, we’ve provided example scenarios in which a traveler may or may not qualify for reimbursement.

* To qualify for medical evacuation coverage, you must have documentation from medical facilities ordering the service .

**Not all travel insurance policies cover injuries resulting from hazardous activities. However, some providers will offer coverage as an add-on.

How Much Medical Coverage Do You Need?

Our research has found that purchasing at least $100,000 in travel medical expense coverage is sufficient for most travelers. However, how much medical coverage you need for your specific circumstances depends on factors such as your age, travel destination, itinerary, planned activities and more.

If you’re traveling to a remote area, have a pre-existing medical condition or plan on participating in adventure activities, you may have more peace of mind with higher coverage limits for emergency medical care. You might also consider a policy with medical evacuation insurance. According to Medjet , one in 30 trips end in a medical emergency — and with the average cost of medical transport alone costing up to $180,000, purchasing medical coverage with generous limits can save you monetarily in an emergency.

If you’re looking to compare travel medical insurance plans to find the right fit for your needs, it is important to understand the coverage maximums, exclusions and deductibles set forth by each insurer. This can help prevent surprises when filing a claim for medical expenses accrued during your trip.

Types of Travel Medical Insurance Plans

When searching for travel health insurance plans, you may encounter primary, secondary, single-trip, and multi-trip insurance policies. In the sections below, we will explore each of these and detail which policies are best for specific travelers.

Primary vs. Secondary Health Insurance

Some travel medical insurance providers offer both primary and secondary health insurance plans. Primary plans pay for medical expenses before any other coverage you might have. This is especially useful for travelers whose primary plans only cover medical care domestically.

However, if you already have health insurance that extends abroad, consider a secondary travel medical insurance plan. This plan requires your existing health policy to pay first. Once you’ve hit your limits through your primary insurer, a secondary plan should cover the rest.

Do I Need U.S. Health Insurance To Qualify for International Travel Health Insurance?

You do not need U.S.-based health insurance to obtain certain international travel health insurance policies, such as most single-trip plans. However, note that domestic health insurance typically does not cover medical expenses abroad . However, some providers, such as HTH Worldwide , have separate policies available to travelers with and without a primary health plan.

If you do not have U.S. health insurance, we recommend purchasing a primary travel medical insurance plan. We also recommend considering primary travel medical insurance if your standard health insurance lacks international coverage.

Single-Trip vs. Annual Travel Medical Insurance

As you shop for a travel medical insurance policy, you’ll likely come across single-trip and annual travel insurance policies. If you’re a frequent traveler and plan on taking multiple trips per year, you might consider annual travel medical insurance rather than a single-trip plan. Short-term medical insurance for international travel only covers you for one trip, with coverage ending once you return home. Annual travel insurance , also known as a multi-trip policy, typically covers policyholders planning to take several trips back-to-back, with coverage usually lasting up to a year. 

If you travel often, annual travel medical coverage offers a cheaper and more convenient alternative to purchasing multiple single-trip policies . However, note that annual policies typically have per-trip or yearly coverage limits depending on the provider. These plans also lack trip cancellation insurance, rental car protection and baggage loss coverage, which you’ll often find with a comprehensive travel insurance policy with medical coverage. 

We recommend comparing quotes from various providers and considering your situation and travel needs when deciding what’s most important to you in a travel medical insurance plan. 

Long-Term Travel Health Insurance for Expats

If you plan to live and work abroad for more than a year, you may consider health insurance for expats over a standard travel insurance plan. These plans can provide long-term travel insurance coverage for individuals and family members living overseas, and you can renew coverage annually for as long as you’re abroad.

However, travel medical insurance policies can provide additional protection not typically found through a standard international health insurance plan, such as emergency medical evacuation and repatriation coverage. If you’re an expat who plans to travel between countries often, you may find a long-term travel insurance plan that covers trip interruption or baggage loss along with medical emergencies more ideal.

How Much Does Travel Medical Insurance Cost?

When purchasing international travel medical insurance, you can expect to pay between 5% and 6% of your total trip cost. Based on quotes gathered by our team from two dozen travel insurers, the average cost of travel insurance ranges from $95 to $316. Travel insurance is not a “one price fits all” sort of coverage. Getting a quote is the best way to see how much a travel medical policy will cost you.

The table below breaks down the average plan cost from each travel insurance provider in this review. It also includes our recommendation for the best plan from each provider and the highest medical expense maximum offered.

Understanding what international travel health insurance companies evaluate when pricing policies can help you get the most out of your coverage. The following are the biggest factors that influence travel insurance prices :

• Trip duration
• Destination
• Coverage level

Why Buy International Travel Medical Insurance?

If you’re on the fence about purchasing travel medical insurance, consider the financial and healthcare-related safety net it can provide as you travel. Our research has found that many domestic healthcare policies don’t extend coverage abroad. If you end up ill or injured while traveling internationally and lack insurance coverage, you are fully responsible for paying out-of-pocket for medical bills associated with your care.

Also consider your unique circumstances as a traveler, as your needs may differ from others. According to the Centers for Disease Control and Prevention (CDC), travel medical insurance policies may benefit travelers with pre-existing health conditions, participants in extreme or adventure sports — such as scuba diving , rock climbing, bungee jumping and windsurfing — and those studying abroad for a prolonged period. You may have a greater risk of needing healthcare in these scenarios, and travel medical insurance can protect you financially if an emergency arises.

While Americans may have medical coverage through their primary insurer while traveling domestically, benefits do not extend to citizens of other countries. If you’re a traveler visiting the U.S. , we highly recommend purchasing a travel medical policy to avoid paying out-of-pocket for emergency medical bills. According to GoodRx , the average medical cost of an emergency room visit without insurance in the U.S. ranges from $2,400 to $2,600.

Who Doesn’t Need Travel Health Coverage?

You may not need travel medical insurance coverage if your primary health insurance plan provides coverage in other countries. However, this is likely only the case with private insurance plans. In addition, you could forego a travel medical plan if your credit card offers travel medical benefits.

If you have a credit card with travel benefits, check if you have travel medical coverage. Some cards, such as the Chase Sapphire Preferred card, offer travel insurance coverage for trip cancellations or interruptions but not for medical emergencies.

When Is Travel Medication Insurance Required?

While some countries or visa requirements may mandate travel medical insurance, purchasing a policy is optional in many cases. To verify whether travel health insurance is required where you’re traveling, research your destination using the U.S. Department of State website , which maintains a list of entry requirements for U.S. passport holders and permanent residents. 

Travel to the Schengen Region in Europe

Many countries, particularly those in the Schengen Area of Europe , require travelers to have sufficient travel insurance before issuing a visa. Even if travel medical insurance is not required, you may still choose to invest in some level of coverage. We recommend shopping for coverage at least one month before your trip to ensure the documentation arrives before your departure.

Use the dropdown menu below to find out more about specific travel insurance requirements in your destination country.

The Best Standalone Travel Medical Insurance Plans of 2024

We chose our top picks for the best international travel medical insurance based on the emergency medical, evacuation and repatriation, pre-existing condition and COVID-19 coverage offered by each provider. We encourage you to consider what medical coverages are most important to you and fit your needs when shopping for a travel medical policy.

IMG Patriot Platinum: Best Travel Medical Insurance Plan

We named the Patriot Platinum policy from International Medical Group (IMG) our pick for the best travel medical insurance plan. Ideal for travelers looking for high medical coverage limits, this policy provides up to $8 million in maximum coverage for trips within the U.S. and internationally — more than any other provider we’ve chosen for this review. We also appreciate how this plan allows travelers the freedom and flexibility to seek treatment with the hospital or doctor of their choice.

You’ll find coverage for pre-existing conditions, telehealth benefits and evacuation. Plus, coverage can transport you to an appropriate medical facility for treatment even if your condition isn’t life-threatening. While the Patriot Platinum plan offers little in the way of standard travel coverage, it provides an option to purchase a trip cancellation, interruption and travel delay rider if you’re planning a domestic trip.

IMG’s Patriot Platinum plan includes the following:

• Pre-existing condition coverage: Covers emergency care if a pre-existing condition becomes life-threatening or requires immediate treatment (not available for travelers over 70 years old) 
• Medical deductible: $0–$25,000 
• Medical expense maximum: Up to $8 million
• Evacuation maximum: Up to your chosen medical expense maximum

We recommend IMG travel insurance policies for travelers seeking higher-than-average medical coverage limits, as it offers the highest maximums out of the providers featured in this review.

Geoblue Voyager Choice: Best Medical-Only Travel Insurance Plan

GeoBlue, administered by Blue Cross Blue Shield (BCBS), offers travel medical policies with limited trip coverage, which is why we named the Voyager Choice policy as the best medical-only travel insurance plan. While the insurer markets this policy as a premium plan, we found it the most budget-friendly option out of our top picks, with an average cost that’s 78% less than traditional travel insurance.

You’ll find up to $1 million in medical coverage and $500,000 in medical evacuation insurance through the Voyager Choice plan. It even offers up to $25,000 in coverage for hazardous activities. However, since this plan solely offers travel medical coverage, you won’t find trip protections such as trip cancellation or delay insurance. Note that some plans require a domestic health insurance policy to purchase, so those without coverage should look elsewhere.

We recommend GeoBlue for travelers looking to forgo trip protection for cancellations and delays, and those solely seeking travel medical coverage.

• Pre-existing condition coverage : Yes, if you have domestic health insurance
• Medical deductible : $0–$500
• Medical expense maximum : Up to $1 million
• Evacuation maximum : Up to $500,000

Seven Corners Travel Medical USA Visitor Choice: Best Health Insurance Plan for Visitors to the U.S.

Seven Corners provides a variety of highly customizable plan options, but we chose it as our pick for the best travel health insurance for U.S. visitors. The provider’s Travel Medical USA Visitor Choice plan is extendable for up to three years and offers a lifetime maximum coverage limit of $1 million, which makes it ideal for tourists or U.S. citizens looking for protection for family visiting from another country . 

This policy supplies coverage for healthcare services such as hospital stays, surgeries, pre-existing conditions, medical evacuations and even protection for incidental trips to your home country. However, it’s worth noting that medical maximums available for this plan depend on your age, and each benefit through this policy has a monetary limit.

We recommend Seven Corners for international travelers looking at an extended stay in the U.S. and would like travel medical coverage for peace of mind.

• Pre-existing conditions coverage: $25,000–$75,000 (for travelers aged 79 and younger)
• Medical deductible: $0–$200
• Medical expense maximum: $1 million for the lifetime of the plan
• Evacuation maximum: $100,000 (separate from medical maximum)

How We Ranked the Top Travel Medical Insurance Companies

To rank the travel medical insurance companies featured in this article, we considered specific features and factors related to medical coverage. We first researched the emergency medical, evacuation, repatriation, pre-existing condition and COVID-19 coverage that each provider offers through standard travel insurance policies. We also took into account the standalone travel medical plans offered by each company, as some travel medical insurance plans do not include standard trip benefits. Finally, we considered data from our 2024 travel insurance survey of 1,000 participants with travel insurance.

While our rankings focus on the medical benefits and associated coverage limits that each company offers, we also considered our ratings for each provider based on our comprehensive travel insurance methodology . This includes factors such as cost, plan availability, company service and reviews and more.  

How Pre-Existing Conditions Affect International Health Insurance

Some travelers have pre-existing health conditions that could impact their travels. Life-long conditions such as asthma and diabetes or even a more recent diagnosis, such as high blood pressure, can affect your eligibility for international health insurance coverage.

A few providers will not offer travel medical insurance to people with pre-existing conditions to avoid responsibility for travelers with a greater risk of medical needs overseas. Most other companies ask you to sign a waiver before agreeing to cover potential medical bills related to recent or ongoing health issues. This waiver typically requires proof that you’re medically able to travel, so expect to provide a letter from your physician stating so.

We encourage you to read through your policy’s fine print to fully understand any requirements for travel coverage with pre-existing conditions. This way, you can enjoy your trip with peace of mind.

review your medical insurance before you go. What does it cover? Does it cover overseas emergencies? If not then you are advised to purchase travel insurance that includes medical coverage.

Take a copy of your prescription [medication] with you and pack your meds in your hand luggage. Customs may want to talk to you about them, plus if your luggage gets delayed you have your meds with you. Bring enough for the duration of your stay and a few days extra in case of emergency delays.”

Learn more about this expert

please consult your physician before traveling abroad. You may need to bring extra prescription drugs or devices essential for maintaining health that are not easily accessible at your destination.

If you are traveling to a country with inadequate medical facilities, you may consider purchasing emergency medical evacuation insurance.”

How To Purchase International Travel Health Insurance

Purchasing a travel health insurance plan is fairly straightforward across most providers, based on our experience. If you already know what you’re most concerned about regarding coverage, you can purchase a plan quickly by following the steps below, which we’ve outlined using IMG’s quote process.

Find Travel Medical Insurance Offerings

Most providers make it easy for you to navigate available coverage options. IMG breaks down its coverage online by type of insurance, with its travel medical insurance front and center on its drop-down menu.

Choose a Plan

IMG lists its most popular travel medical plans first, with additional plans located toward the bottom of the webpage. Each plan either has a description of travelers it would suit best or plan highlights. You can also download plan brochures and browse through plan details to help make your decision easier.

Provide your Trip Information

Travel medical insurance companies need your trip information to provide you with a quote. Companies will ask questions about your travel dates, destinations, total trip cost, number of travelers and more.

Compare The Medication Coverage

We recommend comparing quotes from multiple providers for similar levels of coverage before deciding on a travel medical policy. Some providers, such as IMG, also allow you to compare plans against each other, which can be helpful in the decision-making process.

Complete Your Purchase

Once you’ve decided on a plan, you may have to fill in some additional information to buy a policy, such as your home address, first trip payment date and more. Companies may also ask whether you’d like to purchase additional add-ons with your policy. You’ll then provide a form of payment and complete your purchase.

While this guide details IMG’s purchasing process, most travel medical insurance providers follow a similar process. Be sure to have your trip and traveler information on hand before beginning the buying process.

How To Use Travel Medical Insurance

Knowing how to use your travel health insurance policy before your trip can eliminate additional stress if you need emergency medical care for an accident or unexpected illness abroad. Each travel insurance provider has its own process for claims and reimbursement of medical expenses, but our research has shown that most methods are similar. Learn what to expect when you file a claim and receive reimbursement in the following sections.

Filing a Medical Claim with Travel Insurance

You’ll likely file a travel medical insurance claim in one of two ways — through your provider’s claims portal on its website or mobile app if available. Not every provider covered in this review has a mobile app, but we’ve found that Allianz, Seven Corners, GeoBlue and Faye do. We recommend filing your claim in the way that makes you most comfortable submitting documentation related to your medical care.

Once you file your claim, you’ll wait to hear whether it’s been approved or denied. Depending on the provider, this could take several days or even a week. If necessary, your insurer may ask for additional information before approval. Once your claim is approved, your travel medical insurance provider will reimburse you for covered expenses.

Of the 37 respondents in our 2024 travel insurance survey who filed a travel insurance claim for a medical need, only one was denied due to pre-existing medical conditions. Most of those respondents were reimbursed $2,001 to $5,000.

Medical Claim Reimbursements

While it’s common practice within the U.S. for medical facilities to bill your insurance provider directly, travel health insurance for international trips typically require that you pay for medical services abroad at the time of service. Then, your travel medical plan will reimburse the covered amount post-treatment. Based on our research, you can choose between receiving a check in the mail or a direct deposit.

Again, circumstances and procedures will vary by the travel insurance company, so reading the fine print of your policy documents is important. This will ensure you are fully informed about how reimbursement works with your chosen travel medical provider.

Example: Visitor Breaks Leg While Hiking in Spain

During a trip to Barcelona in Spain, John decided to take a day trek to Montserrat to hike up to the monastery and chapel at the top of the mountain. Due to the steep mountainside terrain, John slips and falls, breaking his leg. Because of his location, John needed emergency transport to the nearest hospital for evaluation.

To facilitate evacuation, John called his travel insurer’s 24/7 emergency hotline and allowed the representative to arrange transportation. Once he arrived at the hospital, John received X-rays and treatment for a broken leg, amounting to around $20,000 U.S. dollars. Our team estimated the following expenses using average cost profiles provided by the National Accident Helpline and Medjet . 

Based on a sample travel medical policy with IMG, specifically the Patriot Platinum plan, John paid the following out-of-pocket after filling a travel medical insurance claim:

Because John chose IMG’s Patriot Platinum travel medical policy, the treatments he needed while in the hospital were covered up to the maximum limit. In addition, the 24/7 assistance he received helped get him to a hospital within IMG’s proprietary network of medical facilities that support direct billing arrangements. This minimized the upfront expenses John paid, allowing him to focus on his rest and recovery.

Is Travel Medical Insurance Worth It?

Travel medical coverage is worth considering if your domestic health insurance does not extend to injuries and illnesses sustained abroad. For example, a private health insurance plan might provide coverage overseas, but Medicaid usually will not .

It’s also worth considering if you’re concerned about a medical emergency abroad or plan on visiting an area with fewer healthcare resources. Travel medical insurance can offer worthwhile travel protection for medical emergencies and evacuations and can provide valuable peace of mind. Many providers also offer pre-existing health condition waivers and policies that cover extreme or adventure sports, allowing different types of travelers to purchase a plan that fits their needs.

In our 2024 travel insurance survey of 1,000 participants, 97% of respondents felt that travel insurance is worth it, with 19% citing medical coverage as the main reason why.

Expert Insights and Tips

We asked three experts to share their insights about traveling abroad and medical emergencies. 

and base coverage on the types of medical conditions you have, where you are going and what you will be doing. For example, adventure sports require additional coverage.

When traveling keep your passport, insurance information, prescriptions and a credit card with you. You may also want to make copies and keep them in a separate place from the originals.”

make yourself aware of local risks, the most serious of which may be health-related. The CDC provides information about health considerations for travelers through its ‘Travelers’ Health’ website .

Also, be aware of your own health challenges and how those might be addressed in the locations you travel. Your [insurance] coverage should address the most serious of these risks.  “

with common infectious diseases, please check the CDC website which has helpful guidelines on whether and what vaccinations or prophylactic measures are highly recommended or required in the destination countries. “

Proin id dui odio. Sed vehicula eget sem vel dapibus. Nam a semper eros, vitae eleifend metus. Sed eget lorem vestibulum, consectetur sem id, molestie erat. Vivamus a purus lacinia, fringilla nibh eu, tincidunt tellus. In sodales, sem non finibus sodales, dolor nisi viverra nulla, ut tempus magna nisi sit amet lacus. Integer hendrerit tristique metus. Sed posuere blandit augue, non commodo nunc laoreet vitae. Fusce et hendrerit purus, eget mattis ante. “

Frequently Asked Questions Travel Medical Insurance

What is a security evacuation limit.

A security coverage limit is the amount a travel medical insurance plan will cover should you need to evacuate your destination due to political unrest, threats toward your well-being, war or natural disasters. Covered expenses include lodging, meals and transportation.

Does travel medical insurance cover visits to multiple countries?

Yes, travel medical insurance plans cover visits to multiple countries, so long as you specify which countries you will visit during the sign-up process.

Is there a cancellation fee with travel medical insurance plans?

Many travel medical insurance providers include a 10 to 15-day “free look period” where you can review a plan’s terms and conditions. If you are unsatisfied with the specified terms, you can cancel for a full refund within that period. However, the company may charge a cancellation fee if you cancel outside the set timeframe.

Do credit cards offer travel medical insurance?

Some credit cards offer travel medical insurance as an included benefit, but this will depend on the card and company. For example, the Chase Sapphire Preferred card offers travel coverage for trip cancellations or interruptions but no medical coverage. However, Chase’s Sapphire Reserve card provides limited coverage for emergency medical care.

How We Rate Travel Medical Insurance Companies

Our team created a scoring system to assess travel insurance providers based on cost, coverage, quality and service. We also collect sample quotes from each company, both over the phone and on the internet, to simulate an authentic customer experience.

Here are the factors we take into consideration when reviewing providers, which we use as a scoring basis to then determine a five-star rating:

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Coverage Details (15%) : We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust travel protection earns full points, including coverage for baggage delay and loss, COVID-19, emergency evacuation and medical expenses, trip delays and cancellations, and more. Companies also receive points for featuring various add-ons such as accidental death and dismemberment, extreme sports, valuable items and more.
• Claim Eligibility and Time Constraints (12%) : Travel insurance providers enforce time constraints that outline when you can file a claim after a covered event. We give companies more points in this category for having shorter time limits for baggage and weather delays.
• Cancellation and Interruption Coverage (12%) : Our team reads through each company’s coverage details and assigns points based on the coverage amount assigned to trip cancellations and interruptions. To earn full points in this category, a company must offer 100% or more coverage.
• Customer Service and Reviews (12%) : We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews and third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).
• Cancel for Any Reason (CFAR) Coverage (10%) : Companies earn points in this category for offering CFAR coverage, which allows you to cancel a trip for reasons outside your policy. In addition to offering coverage, companies received higher scores for meeting or exceeding the standard offering of 75% reimbursement.
• Delay Coverage Amount (10%) : We also consider what a company offers for travel delays and baggage delays or loss, all of which can upend a trip. A company can earn 10% total between its travel and baggage delay coverage amounts.
• Credit Rating (5%) : Since credit ratings can help customers assess a company’s ability to meet financial obligations, our team considers AM Best ratings when scoring providers.
• Coverage Extras (4%) : In addition to standard coverage, we also research how many add-ons a company offers, which can help customers customize their plan. Companies can earn full points in this category for offering eight common travel insurance add-ons.

For more information about how we rate and review providers, read our full travel insurance methodology.

AM Best Disclaimer

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

MarketWatch Guides may receive compensation from companies that appear on this page.
The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.

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• Personal Finance

Best Travel Insurance Companies for September 2024

Travel insurance is an important product to consider when booking a trip, especially if it's a pricy one or you believe there's a chance it could be canceled. If you're like the 40% of people who told Nationwide Travel Insurance they plan to travel more in 2024 than in 2023, then travel insurance could be key to making those plans a reality. And if you don't have travel insurance through your credit card, then it's important to get a policy from a travel insurance company.

According to our research, Travelex is the best travel insurance company because its comprehensive coverage comes relatively cheap. We chose the best travel insurers in our list based on an analysis of 31 travel insurance companies across several areas that are most important to travelers, including options available for your coverage, claim and policy limits, what the policy does and doesn't cover, and typical policy costs. We took time to research insurance coverage limits and what the policies covered and rank companies accordingly.

• Best Overall: Travelex
• Runner-Up, Best Overall: Allianz Travel Insurance
• Best Value: InsureMyTrip
• Most Comprehensive Coverage: World Nomads
• Best for Older Adults: HTH Travel Insurance
• Best for Cruises: Nationwide
• Best for Medical Coverage: GeoBlue
• Our Top Picks

Allianz Travel Insurance

InsureMyTrip

World Nomads

HTH Travel Insurance

• See More (4)

The Best Travel Insurance Company: Travelex

• Compare Providers
• What Is Travel Insurance?

Is Travel Insurance Necessary?

What does travel insurance cover.

• How Much Does Travel Insurance Cost?
• What Happens When You Cancel a Trip?

How to Get Travel Insurance in 6 Easy Steps

Best overall : travelex.

• Number of Policy Types: 3
• Coverage Limit: Up to 100% up to $50,000 for cancellations
• Starting Price: $24

Travelex is the best overall travel insurance company because it offers coverage (up to 150% for interruptions) for you or your family members at a competitive price—and kids are included at no extra charge. A relatively low price for the high levels of coverage made it our top choice. Look for the Travel Select plan for the best coverage.

Competitive pricing for comprehensive coverage

Multiple plan options with customizable features

Children younger than 21 covered at no extra cost

Mixed pre-existing medical condition coverage depending on the policy purchase date

No annual plan available

Basic coverage plan features minimal coverage

Travelex Insurance Services is a well-known travel insurance provider based in Omaha, Nebraska. Founded in 1996, Travelex offers several insurance packages depending on the coverage you need for your trip. Policies are underwritten by Berkshire Hathaway Specialty Insurance, which earns an A++ rating from AM Best and AA+ from Standard & Poor’s, which means the company has good financial strength.  Coverage is available to customers worldwide.

There are three plans: Travel Basic (the budget-friendly option), Travel Select (good for families), Travel America (coverage for travel in the U.S.).

The Travel Select plan starts at about $36 (that is a one-time payment for your whole trip). It includes trip cancellation insurance, trip interruption, and emergency medical and evacuation, but there also are several ways to customize and upgrade coverage. It also includes protection for kids 17 and under.

Travel is covered up to $50,000 for cancellations. You can receive up to 150% of the trip cost, up to $75,000, for trip interruptions. Emergency medical limits are $50,000, and emergency evacuation coverage is good for up to $500,000.

In addition, Travel Select has a 15-day pre-existing medical condition exclusion waiver. If you purchase your policy within 15 days of paying for your trip and insure the full cost of the trip, your pre-existing injury or illness is likely covered.

Runner-Up , Best Overall : Allianz Travel Insurance

• Number of Policy Types: 10
• Coverage Limit: Varies depending on annual or single-trip plan
• Starting Price: $138

Allianz is the runner-up best overall travel insurance company because it offers coverage for frequent travelers with a low cost per trip. Get the best coverage from the AllTrips Executive Plan. Individual trip coverage is also available.

Annual- or single-trip plans are available

Many policy types fit varying needs

Cover yourself and your household all year even if you’re not traveling together

Does not cover extended travel periods

Some annual plans have per-trip limits while others have annual limits

Limit for emergency medical transportation coverage is only $250,000

Allianz Travel is a subsidiary of Allianz, which traces its history back to 1890 in Germany. Travel policies are underwritten by insurers with AM Best ratings of A to A+ and are available only to legal U.S. residents.

Travelers who want to hit the road many times per year should consider annual travel insurance rather than individual per-trip policies. Allianz Travel offers four different annual plans with varying benefit levels. We particularly like its AllTrips Executive Plan, which has the highest limits and coverage.

The AllTrips Executive Plan provides tiered limits starting at $5,000 for trip cancellation insurance or interruption coverage. It also offers $50,000 for emergency medical and $250,000 for emergency transportation per insured per trip. There is a lengthy list of exclusions, including extreme sports, so make sure to read the fine print before jumping into adventure activities.

Quotes for a single traveler, a couple, and a family of four had a price point of $500 per traveler per year. If you pay for comprehensive coverage at $120 per person per trip and are going to travel at least five times per year, you will break even with this plan. If you’re looking for lower costs, the AllTrips Basic, Premier, and Prime options are also available from Allianz.

Best Value : InsureMyTrip

• Number of Policy Types: Multiple options from over 20 providers
• Coverage Limit: Varies
• Starting Price: $25 to $100

InsureMyTrip is the best valued travel insurance company because it allows you to compare policies from more than 20 different travel insurance providers with one form so you know you’re getting a good deal for the coverage you need. You can find low-cost trip coverage or customize a plan to meet your needs so you don’t overpay for coverage you won’t use.

Search for quotes from multiple reputable insurers

Shop around with one application for multiple trip types

View multiple plans from eligible insurers for your planned trip

Many popular insurers are not included in listings

Initial listing pages don’t show policy limits

Includes some policies with low coverage limits

Founded in 2000, InsureMyTrip is a travel insurance comparison website that searches more than 20 insurers using one intake form. It offers an easy-to-use sign-up tool to compare multiple policies based on your specific needs quickly. Filters can pick policies that cover adventure sports, higher limits, increased medical coverage, and more.

A quote for a family of four taking a 14-day trip that costs $4,000 and includes plane and hotel expenses resulted in three suggested plans with costs of around $100 to around $400 for varying levels of travel protection. Basic features included luggage coverage, travel delay, and medical care. Note that rates will differ based on where customers are originating from and where they are vacationing, as well as other variables.

The insurers you'll find while using InsureMyTrip have earned a variety of industry ratings and are generally considered reputable and financially stable. Still, as with policies bought directly from insurers, it’s a good idea to read the policy details before clicking the buy button. Each underlying insurer has different claims processes, exclusions, and limits. InsureMyTrip makes it easier, however, to be an informed travel insurance buyer.

Most Comprehensive Coverage : World Nomads

• Number of Policy Types: 2
• Coverage Limit: Up to $10,000 for trip cancellation
• Starting Price: $100 to $200

World Nomads is the best comprehensive coverage travel insurance company because adventure travelers and digital nomads will get coverage of up to $100,000 for accidents for some of the most extreme adventures.

Extensive coverage with high limits for medical and emergency evacuation

Protects your bags, computers, and sports equipment when traveling

Explorer plan covers adventure sports

Only single-trip plans are available

Most pre-existing medical conditions are not covered

Not all policies cover adventure sports

World Nomads is a good insurer for those looking for adventure. The Australia-based provider was founded in 2000 and is a solid choice for worldwide travel with few excluded activities. Policies are underwritten by various insurers including the financially strong and well-known Nationwide Mutual Insurance Company, Generali Global, AIG, and Lloyd’s.

Coverage includes terrorist attacks, assault, medical repatriation, equipment and baggage, and overseas medical and dental. The high-end Explorer Plan covers activities including snow sports, water sports, aviation, motorsports, athletics, and high-adventure experiences. It names more than 200 activities, many of which other insurers specifically exclude.

For the Explorer Plan, a solo 35-year-old would pay around $200, depending on inputs like state of origin, for a month in Thailand, which is reasonable for such extensive coverage. The Standard Plan costs around $100 for the same trip, but it makes sense to choose higher coverage levels if you’re worried about something going wrong.

This U.S.-based policy is underwritten by Nationwide (rated A by AM Best) with a $100,000 limit for emergency accidents and illnesses, $500,000 for emergency evacuation, $10,000 for trip cancellation insurance (or interruption), and much more.

Though it doesn’t have the same insurance reputation as some other providers, it works with reputable companies to underwrite policies.

Best for Older Adults : HTH Travel Insurance

• Number of Policy Types: 5
• Coverage Limit: Up to $50,000 for trip cancellation
• Starting Price: Varies

HTH Travel Insurance is the best travel insurance company for older adults because its medical coverage is excellent and you get flexible options while on a budget.

High levels of medical coverage for adults up to 95 years old

Up to a $1,500 allowance for someone to visit you in the hospital

May be expensive depending on your needs

Best plan for older adults requires existing health insurance

Lowest policy has a $50,000 maximum benefit per person

Headquartered in Pennsylvania, HTH Worldwide was founded in 1997, and HTH Travel Insurance offers plans with high levels of medical coverage. That’s a big concern for older adults leaving the country , as they could end up in a doctor’s office or hospital with an expensive bill to follow. HTH Travel Insurance offers up to $1 million in total coverage for medical.

Policies for travelers with existing primary insurance enjoy 100% coverage for typical hospital charges, including surgery, tests, office visits, inpatient hospital stays, and prescription drugs outside of the U.S., among other coverage.

Medical evacuation is available up to $500,000, but trip interruption and baggage coverage are pretty light. Most people will choose this plan for medical rather than travel benefits. This policy is available to applicants who are 95 years old or younger.

Travel insurance is also available for people without existing health coverage. Most older adults in the U.S. are covered by some existing coverage, such as Medicare, but Medicare doesn’t work outside of the United States, leaving people uninsured when abroad. HTH Travel Insurance provides policies for those without existing medical coverage. The age limit is 95, but there is a 180-day pre-existing medical condition exclusion.

Best for Cruises : Nationwide

• Number of Policy Types: 8
• Coverage Limit: Up to $30,000 for trip cancellation
• Starting Price: $100

Nationwide is the best travel insurance for cruises because it offers multiple options to protect your cruise vacation with tailored coverage for common cruise trip issues. Make sure to review the benefit levels so you pick the right coverage for your needs.

Large insurer with a strong reputation

Three different cruise insurance plans to choose from

Coverage for common cruise issues like missed connections and itinerary changes

Some plans have low coverage levels for some incidents

Benefit limits are low for trip interruption for any reason

Pre-existing medical conditions may not be covered

Nationwide has been around since 1925. The Columbus, Ohio-based insurance company offers the most popular types of insurance including auto, home, and life. It also offers a few types of travel insurance coverage for individual trips, multi-trips, and cruises.

For single trip protection, Nationwide offers trip cancellation insurance of up to $10,000 with its Essentials plan and $30,000 with its Prime plan. Travelers may also get an annual travel insurance package for just $59 a year to cover delays, medical expenses, medical evacuation, lost luggage, and travel assistance.

Its custom-tailored plans for cruises, however, are what landed it in this category. The Universal Cruise plan, Choice Cruise plan, and Luxury Cruise plan make it easy to pick the right coverage for your individual needs. The cost for a couple on a 10-day cruise to Mexico, for example, was quoted at around $200 for both the Universal and Choice plans.

Cruise insurance from Nationwide covers what you worry about most with a cruise. Things like broken-down ships and itinerary changes can lead to missed excursions and flights or other costs. For the Universal Cruise plan, emergency medical expenses are covered up to $75,000 with medical evacuation benefits up to $250,000.

Additionally, all plans include coverage for the weather, an extension of school sessions, work emergencies, and terrorism. The luxury plan also covers the Centers for Disease Control and Prevention warnings in effect at your destination.

Travelers in 2024 have concerns over trip cancelations due to unprecedented events. Nationwide's survey showed that 51% are still worried about a resurgence of COVID-19, while 54% worry about weather-related delays or cancellations. Other worries include technology issues (38%), unruly fellow travelers (37%), and employee strikes (25%). Travel insurance can help alleviate some stress about a trip being canceled.

Best for Medical Coverage : GeoBlue

GeoBlue is the best travel insurance company for medical coverage because it offers multiple options to buy travel medical insurance coverage for a lower price than a full travel insurance package. It offers medical coverage on its own if you don’t want or need additional travel coverage.

Up to $1 million in medical coverage

Gives a la carte medical coverage when other trip costs are already covered

Different policies allow you to cover various needs and pre-existing medical conditions

Primarily covers medical costs

Additional primary medical coverage required

GeoBlue, headquartered in Pennsylvania, is part of Worldwide Insurance Services, and policies come with a license from Blue Cross Blue Shield Association. Policies are issued by 4 Ever Life International Limited, a company with a history of more than 60 years and an A rating (Excellent) from AM Best.

If you just need coverage for medical needs, GeoBlue is a good choice. This insurer offers only travel medical coverage. Paying for medical coverage means you aren't paying for the rest of your travel insurance, which you already may have covered. If you already have a credit card with travel insurance included, your card's terms likely protect things like lost luggage and missed flights, for example. Instead, you get covered just for medical, and the costs for that are as low as a few dollars per day.

Because you’re mostly getting travel medical coverage, you will pay a lot less than most other insurers on this list. Just make sure you completely understand what it does and doesn't cover. You will receive only minimal luggage protection and travel interruption coverage with GeoBlue's plans.

GeoBlue has two general plans for single trips, multiple trips, and long-term travel. Additionally, there are five specialty policies for niche travel medical insurance needs, like study abroad. It doesn’t cover everything related to your trip, but it makes medical coverage much more affordable.

Travelex is the best travel insurance company because it offers competitive pricing for comprehensive travel insurance. Policies from Travelex cover everything from canceled or interrupted trips to medical emergencies and evacuations. It also features a 15-day pre-existing medical conditions waiver, which means that as long as you book your trip several weeks in advance, you and your family members will likely still be covered.

There are many options to choose from when it comes to travel insurance. It can provide you with peace of mind and save you thousands of dollars if your travel plans are canceled or interrupted at the last minute. With world events like pandemics, natural disasters, and wars that could easily throw an unexpected wrench in your travel plans, travel insurance helps you to stay prepared. Overall, our top choice for travel insurance is Travelex.

Why You Can Trust Our Expert Recommendations for the Best Travel Insurance

Investopedia identified the most important factors for readers looking for a travel insurance company. Then we collected several key data points from over 30 travel insurance companies. We used this data to review and score each company for cost, coverage limits, exclusions, customer service, and other features to provide unbiased, comprehensive recommendations to ensure our readers make the right decision for their needs. Investopedia launched in 1999, and has been helping readers find the best travel insurance companies since 2020.

Compare the Best Travel Insurance Companies

Travel insurance covers common problems when traveling. From trip interruptions to full cancellations, it can help protect the money you put down for your travel experience.

Common coverage includes more than just an unexpected trip stoppage. It can also cover lost or damaged luggage and changes to your itinerary for covered reasons, among other benefits.

Medical coverage is an important factor to consider because your current health insurance may not work away from home. The best travel insurance includes coverage for medical treatment, dental emergencies, and medical transportation. If you have any pre-existing medical conditions or are at risk, it’s important to make sure your policy covers these, too.

If you're traveling locally, such as within your state or within your country, you likely do not need travel insurance. You may be covered with some sort of trip insurance through the credit card you paid for your trip with, and you may have adequate health insurance that can cover you if you need medical attention away from home.

Some credit cards , especially those premium travel rewards cards, may provide the following coverages: 

• Trip cancellation insurance
• Trip delay reimbursement
• Emergency evacuation and transportation
• Accidental death and dismemberment
• Lost or delayed luggage reimbursement
• Auto damage waivers
• Roadside emergency assistance

And if you book a refundable trip, travel insurance may not be necessary.

However, if your trip is expensive or it's in another country, travel insurance will come in handy if something unexpected were to happen. You may also need travel insurance if you're traveling to a particular country such as Antarctica, Egypt, Chile, Turkey, and more.

Travel insurance can give you peace of mind that you'll get some of your money back or that you're insured in case you need medical attention or another type of help while away from home.

Tips for Picking the Best Travel Insurance for You

When picking the best travel insurance policy, there are a few things you should consider. Here are some tips and factors to think about:

• Look for low pricing and good coverage : Pricing is one of the most significant factors when comparing travel insurance policies. Look for a provider that offers low rates and doesn’t skimp on coverage.
• Don't settle for the first policy type : Depending on where you’re traveling and how long you’re staying there, different types of travel insurance policies may work best for your situation. For instance, you may need a different policy for a weeklong trip than you would if you plan to travel abroad for several months.
• Match your coverage limits to your travel costs : Travel insurance plans have coverage limits for trip cancellation, interruption, and medical expenses. Look for a plan whose coverage limit matches the amount you’ve spent on your travel plans.
• Don't forget to look at the exclusions : Some travel insurance plans come with exclusions. If you’re worried about a particular event or accident, make sure it’s covered before you pay for a plan.
• Look for high customer satisfaction ratings : Customer satisfaction is also an important factor when purchasing a travel insurance plan. Look for a provider with high customer satisfaction ratings and a history of good customer service.

"As someone who is always purchasing travel insurance, and has been for years, the thing that matters to me the most is mainly coverage and customer service. I want to know what my policy will cover, especially if I am taking a trip that involves a lot of activities, as well as how easy it will be to contact the company should I need to do so. I have found in the past that the price is always very reasonable and you can shop around, so it has never been the biggest concern for me." -Alice Morgan, Senior Digital Art Director, Dotdash Meredith

Travel insurance may include many different benefits. Here’s a look at some common situations covered by many travel insurance plans:

• Trip cancellation
• Trip interruption
• Missed connection
• Baggage and possession loss, damage, and theft
• Delayed luggage
• Emergency medical treatment
• Emergency medical evacuation
• Accidental death and dismemberment (AD&D)

Emergency medical treatment may include things like ambulance services, x-rays, doctor bills, dental work, lab work, and more. It'll depend on the travel insurance company, so be sure to ask before paying for the insurance and/or additional benefits.

There are additional specialty coverages as well, such as customized policies for cruises. It’s a good idea to shop around and compare before making a final decision.

What Does Travel Insurance Not Cover?

Just as homeowners insurance often excludes damage from things like earthquakes and floods, travel insurance has common exclusions you need to know about. Here are some types of coverage you may not get with travel insurance:

• Weather-related cancellations and delays
• Trip cancellations or changes due to acts of terrorism
• Trip cancellations or changes due to a pandemic
• Injuries from extreme sports and high-adventure activities

Though most policies have limits and exclusions around these circumstances, not all do. Some insurers on this list have special coverage for these exact causes or include them in standard plan terms. Again, this is why it’s so important to read your policy documents before paying for and locking in your policy.

Best Cancel-for-Any-Reason Travel Insurance

The best cancel-for-any-reason (CFAR) travel insurance company is USI Affinity because it offers seven different insurance plans at the lowest premiums of all CFAR insurance companies we researched.

Travel insurance costs vary widely by coverage and insurer. You can expect to pay anywhere from a few dollars a day to more than $10 a day for short-term and single-trip coverage. The cost of your trip is another major factor in the insurance rate.

A few things impact the cost of travel insurance:

• Destination
• Length of trip
• Age of travelers

That means insurance for a single trip could cost anywhere from around $20 to hundreds of dollars. Annual policies cost around $500 per year for high levels of coverage.

There are many inexpensive travel insurance plans available, but most travelers are best protected with comprehensive coverage. It costs a bit more, but you'll be glad you have it if you need to file a claim.

Is Travel Insurance Worth the Cost?

If you pay a lot for a trip or vacation, then travel insurance should be worth the cost because you don't want to lose out on that investment. It won't always be necessary, but if travel insurance costs just a fraction of what you paid for the trip, then you'll be happy you had it if you have to cancel a trip worth hundreds or thousands of dollars. For example, if you book a European vacation worth $4,000 and your travel insurance costs just $400, it might be worth it so that if anything happens and you need to cancel, you still get $3,600 back in your pocket.

How Does Travel Insurance Work When You Cancel Your Trip?

When canceling your trip, you'll want to contact the travel insurance company right away. The policy and travel insurance company you selected will cover certain parts of your trip. It's important to review this policy and details to understand exactly what you need to do to get your money back for your trip.

Don't cancel your trip until you read your policy and know what is required for your claim.

For example, if you are ill and a doctor tells you not to travel, you may need to get a written note from the doctor and submit it with your trip cancellation claim.

Before you submit a claim and cancel your trip, consider if you can delay it and reschedule it instead. If you can't, then make sure you have all the required documents (receipts, proof of hotel booking, airline ticket confirmation, etc.). Once you submit your claim, it could take days (Allianz says up to 10 business days, sometimes) for you to receive notice that the claim was processed.

• Select a travel insurance company.
• Apply for the travel insurance plan of choice on the company's website or over the phone.
• Provide basic info about who is traveling and their travel plans, like name, age, location of trip, travel expenses, and costs like hotels or airfare.
• Wait to be approved.
• Create an online account for easy access while you travel. Some companies may also have an app.
• Enjoy your trip, and file a claim online or over the phone if needed.

Frequently Asked Questions

Which travel insurance is best.

The best travel insurance company is Travelex because it offers comprehensive coverage at a relatively low price. Travelex has multiple plan options and family members younger than 21 are covered at no extra cost. Another perk is Travelex's Travel Select plan which has a 15-day pre-existing medical condition exclusion waiver. If you purchase your policy within 15 days of paying for your trip and insure the full cost of your trip, your pre-existing injury or illness is likely covered.

In Which Countries Is Travel Insurance Required?

Travel insurance is not mandatory or required by all countries, but some do. For example, Cuba requires people traveling from the U.S. to Cuba to have non-U.S. medical insurance, which may be covered through travel insurance or an airline. Other countries that may require or strongly encourage travel insurance include Antarctica, Egypt, Chile, Turkey, and more. Check a country's specific travel requirements before booking your trip to understand if travel insurance is required.

How Many Days Before a Trip Should You Buy Travel Insurance?

You should always buy travel insurance as soon as you book your trip. If you forgot to buy travel insurance when you booked, it's OK—aim to buy it at least 15 days before traveling to ensure you're eligible for coverage.

Do I Need Travel Insurance for a Cruise?

Just as with any kind of trip, whether you need cruise insurance largely depends on the cost of the trip, and where you're going. If you're paying more than $1,000 for a cruise, travel insurance is probably worth it. For instance, you may want international medical insurance if you're traveling to other countries because some health insurance policies do not cover international travel—Medicare and Medicaid in particular.

Just be aware that if you buy cruise insurance (as opposed to a general travel insurance policy), it may not cover travel before and after the cruise, such as your flight to the port and any hotel expenses you may have pre- or post-trip.

Does State Farm Offer Travel Insurance?

State Farm does not offer travel insurance. State Farm offers car insurance, motorcycle insurance, boat insurance, motorhome insurance, off-road vehicle insurance, homeowners insurance, renters insurance, condo insurance, life insurance, liability insurance, small business insurance, and more.

Can You Buy Travel Insurance After Booking a Flight?

Yes, you can book travel insurance after booking a flight. This may be a great time to book travel insurance because you'll know what coverage you need in case something happens and your trip is canceled. Signing up for travel insurance as soon as possible will always be your best bet.

Does Travel Insurance Cover Canceled Flights?

Most travel insurance covers canceled flights, as well as delayed flights. If your flight is delayed by a certain number of hours, your travel insurance may reimburse you for the additional money you spent as a result of that delay or cancelation.

Should You Get Travel Insurance Through an Airline?

Some airlines offer trip insurance through travel insurance companies. For example, United Airlines offers a Travel Guard insurance plan that may cover unexpected trip cancellations due to illness, and reimbursement for canceled flights or lost luggage. However, you should first compare all your travel insurance options before picking a company and plan to ensure you'll pay a fair price for exactly what you need.

How We Found the Best Travel Insurance Companies

To come up with this list of the top travel insurance providers, we looked at more than 30 different travel insurance companies and plans. Major areas of focus included coverage options, claim and policy limits, what’s covered, and typical insurance policy costs.

The biggest focus was on insurance coverage limits and what each policy covers. Cost is important, but a difference of $20 for much better coverage is often negligible. The most important features examined in this review are the ones that make your policy valuable and easy to use if you ever need it.

Your Guide to Travel Insurance

• Do I Need Travel Insurance?
• How to Get the Cheapest Travel Insurance
• Best Travel Insurance Options for Older Adults
• Best Cancel for Any Reason (CFAR) Travel Insurance
• How Much Is Cancel for Any Reason Travel Insurance?
• How to Buy Cancel for Any Reason Travel Insurance

Nationwide. " Survey: U.S. Consumer Travel to Surge in 2024 ."

Travelex. " About Travelex ."

S&P Global Market Intelligence. " Insurance Ratings Actions: S&P Acts on Berkshire Hathaway’s Insurance Segment ."

AM Best. " AM Best Affirms Credit Ratings of Berkshire Hathaway Life Ins Co of Nebraska and First Berkshire Hathaway Life Ins Co ."

Travelex. " Travel Select ."

Allianz. " History of Allianz ."

AM Best " AM Best Upgrades Credit Ratings of BCS Financial Group Members ."

AM Best. " AM Best Affirms Credit Ratings of Allianz SE and Rated Subsidiaries ."

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InsureMyTrip. " About ."

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World Nomads. " What's Covered for Americans? "

World Nomads. " Summary of Plan Benefits: Explorer Plan ."

AM Best. " AM Best Downgrades Credit Ratings of Nationwide Mutual Insurance Company and Its Property/Casualty Subsidiaries; Affirms Credit Ratings of Life Affiliates ."

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The best travel insurance policies and providers

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

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

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

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

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

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

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

The best travel insurance providers

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

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

AIG Travel Guard

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

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

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

Preexisting conditions

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

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

Standout features

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

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

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

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

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

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

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

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

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

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

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

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

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

Purchase your policy here: American Express Travel Insurance .

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

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

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

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

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

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

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

Purchase your policy here: GeoBlue .

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

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

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

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

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

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

Purchase your policy here: IMG .

Travelex Insurance

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

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

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

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

Purchase your policy here: Travelex Insurance .

Seven Corners

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

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

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

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

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

Purchase your policy here: Seven Corners .

World Nomads

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

World Nomads offers two single-trip plans.

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

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

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

Purchase your policy here: World Nomads .

Other options for buying travel insurance

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

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

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

Is travel insurance worth getting?

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

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

What is the best COVID-19 travel insurance?

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

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

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

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

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

What are the different types of travel insurance?

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

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

Should I buy travel health insurance?

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

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

How much does travel insurance cost?

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

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

When and how to get travel insurance

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

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

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

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

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

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

Bottom line

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

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

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

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

• Global travel destinations

Best travel Insurance for Russia, Travel health insurance Russia

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Travel insurance for Russia is not mandatory but is highly recommended, especially for travelers from the USA. It is essential to have travel medical insurance to cover medical emergencies, trip cancellations, lost or delayed luggage, and other unforeseen events during your trip to Russia.

Which is the best insurance for travel to Russia?

Patriot International Lite: Best travel insurance for Russia with coverage for US and Non US citizens. Coverage for acute onset of pre-existing conditions up to maximum limit up to 70 years.

Best insurance plans for travel to Russia

How to compare & buy cheapest travel insurance for russia.

Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.

• Compare the cost of Russia insurance for tourists and review the benefits to identify what fits your needs best.
• Buy health insurance for Russia Now that fits your needs and budget best by using a credit card and completing the online application. You can contact American Visitor Insurance, we are open 24 hours, 7 days a week with customer support staff in different time zones of the country.
• Review the travel insurance documents received by email closely for coverage details and relevant contact numbers

Best health travel insurance for Russia

Travel insurance to russia from usa.

Russia being between Europe and Asia has a rich fascinating cultural history and is also famous for art and architecture, especially in charming St Petersburg and in the capital Moscow. It has the longest river of Europe, the Volga, Ladoga largest lake, Ladoga. Russia also is home to Baikal Lake which is popular as the world's deepest lake. Russia is one of the popular travel destinations for tourists from all around the globe and millions of tourists visit Russia each year..

There are many US tourists who visited Russia to explore the country. There are nearly 250,000 US tourists who traveled to Russia annually before the Covid pandemic. According to the US Embassy there were 30,000 Americans living in Russia. The best time to visit Russia is during the summers from June to August.

Travelers from the US to Russia need to be prepared for any medical & travel circumstances that may occur while travelling. Travel insurance provides coverage for unexpected medical emergencies along with insuring the trip costs.

A good US travel insurance plan will provide coverage for medical expenses incurred while you are staying in Russia in case of any injury or illness. They can also consider covering the Trip Cancellation or Trip Delay expenses. This could insure the money spent on the vacation or the cruise bookings in case it had to be cancelled for any reason.

Best travel insurance to Russia

Russia, the world's largest nation in terms of area and with a population of around 145 million has something of interest for everyone. Starting with historic cities which are home to amazing museums to diverse rustic landscapes, incredible train journeys to lively nightlife, the country has it all.

Russia has been witnessing a steady increase in tourism since the end of the Soviet era. The country is home to 23 UNESCO world heritage sites. Expectedly, the most popular Russian tourist destination is Moscow.

Moscow is home to world famous museums and renowned theaters like the Bolshoi theatre. Another must see destination is St Petersburg which is the cultural town of Russia and a great place to understand Russian culture and history. Founded by Tsar Peter the Great in 1703 as the imperial capital, St Petersburg with a colourful and chequered history,

is now a bustling metropolis. It is also a treasure trove of ancient delights. A visit to St Petersburg is incomplete without seeing the art of Hermitage, one of the largest art museums in the world.

Best Russia travel insurance from USA

Russia - general information, popular tourist destinations in russia.

A sightseeing trip here will take at least half a day and the place to experience what life must have been like during the golden age of the Roman Empire.

Kizhi Island

The picturesque islands offer beaches that rival those of Bali in their beauty, as well as opportunities for diving and even snorkeling at a turtle sanctuary.

St Sophia Cathedral

Saint Sophia Cathedral features an array of ancient religious artifacts, including The Mother of God of the Sign, an icon that legend says saved Novgorod from attack in 1169.

Suzdal is the jewel of Russia’s “Golden Ring,” ancient cities that the country has preserved as living museums of Russia’s cultural past.

Travel insurance to Moscow and popular cities in Russia

Travel insurance for Popular Ocean Cruises in Russia

Cheapest travel insurance to russia.

Sochi which is a coastal resort in southern Russia’s Krasnodar Krai region is yet another popular destination. Sochi has cemented its position as a popular sporting city by hosting big sporting events such as the XXII Olympic Winter Games and XI Paralympic Winter Games in 2014. The city boasts of a brilliant infrastructure for tourists and offers great opportunities for sports enthusiasts with options ranging from mountain climbing, hang-gliding, diving, sailing, aqua bikes and skiing.

Then there is Lake Baikal ! Lake Baikal is the world’s deepest lake with a depth of a mile in to the earth. The lake contains nearly 20 percent of the world’s fresh water! It is also abundant with wildlife namely foxes, sables, bears, some rare and endangered freshwater seals.

In fact the Unesco refers to Lake Baikal as the “the Galápagos of Russia.” The Olkhon Island which is lake Baikal’s largest island is also a place of piligrimage for Buddhists.

US and International tourists visiting Russia should however ensure that they have proper Travel Insurance for Russia while traveling there. At American Visitor Insurance, we offer Russia Travel Insurance provided by known US insurance providers.

At American Visitor Insurance® our customers can find cheap travel insurance in Russia by comparing plans from top rated insurance providers. We have different vacation insurance for Russia like travel insurance to Moscow covering benefits like medical evacuation, coverage for pre-existing conditions.. travellers can choose travel insurance Russia visa based on the price and on coverage details to make an informed decision.

The travel insurance for Russia visa frequently asked questions (FAQ) section helps customers clearly understand coverage benefits and exclusions in an easy to understand manner.

Travel insurance Russia visa letter as required for travel to Russia

All the travel insurance plans that are available from our compare engine provide a VISA LETTER which is the official document that you must show to be allowed to board the plane to go to Russia (and upon arrival).

While it is enough to have it available on your phone, a hard copy can be a good back up if you can arrange it. Access to the Russia travel insurance visa letter varies depending on the exact company you purchase from. Regardless, if you have any issues with getting the required Russia visa letter document, please call us as soon as possible so we can assist you!

Travel Insurance Russia, Travel medical insurance Russia - FAQ's

1.  what is the best russia travel insurance.

This is a great question and we strive to answer this question to the best of our ability. Given the different needs of different travelers there is not one policy that is always best for everyone. If you are a traveler with concerns about a pre-existing medical condition that cause an emergency, then you will be looking at different plans when compared to someone without a life-threatening pre-existing condition.

We endeavor to give our clients as much information as possible so they can find the Russia travel insurance plan that is best. If you want more guidance, our licensed agents are here to help you with your choice!

2.  How do I file a travel insurance Russia claim ?

The Russia travel insurance claim can be filed by submitting the scanned copy of the hospital bill and receipts to the insurance company over the email along with the completed claim form. The customer gets the money reimbursed from the insurance company after they receive the bill.

If the hospital provider and insurance company agree for the direct billing, then the doctor's provider can directly send the bill to the insurance company and they can pay the money directly to the doctor. More details …

3.  Do I need travel insurance for Russian visa?

The healthcare costs in Russia is expensive and it is important to buy best travel insurance to Russia. This is true for both US as well as international travelers visiting Russia.

Even though it might not compulsory to have travel health insurance while visiting Russia, it is nonetheless very important to buy good short term medical insurance for Russia visitors to insure oneself against being forced to pay for healthcare facilities while on a vacation. Customers can compare and find cheap travel insurance for Russia and buy the most appropriate plan for their needs.

4.  Why American visitor insurance?

American Visitor Insurance works with reputed US travel insurance providers to give US and international travelers a wide range of travel insurance options. We have two decades experience in understanding the diverse needs of US citizens and international travelers and in offering appropriate travel insurance options to them.

Our typical customers range from US citizens on vacation, international travelers visiting the US, international students, J visa holders, H1b Visa holders, US travelers going overseas, travelers to Schengen countries needing travel insurance for visa requirements, trip cancellation customers to insurance their trip expenses, corporate professionals and business travelers who travel internationally regularly as well as other diverse traveling groups with unique needs.

Our licensed customer support team provide service at all times helping travelers find the most appropriate travel insurance for their needs as well as guide them when using the insurance in the event of a medical or travel emergency.

We also provide answers to all international travel insurance questions, reviews of different products, testimonials for customers as well as provide an user friendly travel insurance comparison tool where travelers can compare different products based on price as well as the coverage benefits. All of these tools help travelers make an informed decision while buying travel insurance.

5.  Can you buy travel insurance after booking a flight?

Absolutely! This is when we recommend that you buy your travel insurance, soon after you have travel dates set. You can, however, change dates later should you need to with most policies.

6.  How much does international travel medical insurance cost?

International travel medical insurance is very reasonably priced in the context of high healthcare costs. Coverage is only for sudden illness or accident, but can include baggage loss and trip interruption. The price is based on the age of the insured and the length of time they need it for.

Travel insurance for acute onset of pre-existing conditions

Travel insurance for Asthma

Travel insurance for Arthritis

Travel insurance for Diabetes

Travel insurance for Heart Ailment

Travel insurance for Cholesterol

Travel insurance for Hypertension

Travel insurance from Russia to USA

Cheapest travel insurance usa from russia.

The United States is a country with multi cultures, famous monuments and natural wonders which makes the country one of the most desired tourist destinations around the globe. Tourism in the US is a huge business that serves millions of tourists each year. The Russian immigration to the US started early in the colonial period and since then there have been many waves of the Russian immigration.

The Russian immigrants have significantly contributed to the American society and economy of the country. The Russian Americans are the second largest East Slavic European community in the US.There are many Russian travelers who visit the USA both to meet their family and relatives settled there as well as to explore the nation.

There are approximately 2.9 million people in the US with Russian ancestry. There were 257000 visitors to the U.S. from Russia. Many Russians travelers visit the US for vacation, work and to meet friends and family.

Health insurance for Russian students studying abroad

International travel insurance usa from russias.

There is a large Russian community in the US. This Russian community retains strong ties with family members in Russia, who often visit them in the US. It is important for Russian travellers to have proper visitors medical insurance coverage while in the US.

We offer a wide range of travel insurance options which are specially designed for international travelers. Since we work with many insurance providers, customers can compare visitors medical plans and make an educated decision quickly buy using the quote comparison utility that we provide.

Our quote facility displays the premiums as well as other important information about the insurance plans. The medical benefits offered by these insurance plans can be very significant in case of any medical emergency.

What does visitors medical insurance cover?

Usa visa health insurance, visitor visa health insurance usa.

USA B1 visa health Insurance for temporary business visitor.

US B2 visitors visa health insurance for tourists.

F2 visa medical insurance for dependents of F1 visa.

F1 visa health insurance for international students in USA.

J1 visa insurance for exchange scholars in educational/cultural exchange programs.

Health insurance for US green card holders.

Health insurance for fiancé(e) who marry U.S. citizens.

H1B visa insurance for skilled foreign workers in specialty occupations.

Travel insurance for tourists in USA, tourist insurance USA.

H4 visa insurance for dependents of H-1B, H-1C, H-2A, H-2B, and H-3 visa holders.

Travel insurance for Russia

History and statistics of russian immigrants in the usa.

The Russian immigration to the US started early in the colonial period and since then there have been many waves of the Russian immigration. The Imperial Russians who wanted freedom from the religious persecution were some of the early Russian groups who migrated to the US.

In the early 20th century, a large group of Russians immigrants known as White emigres choose to move to US. This was mainly between 1917-1922 during the October Revolution and the Russian Civil War.

The majority of Russians immigration occurred in the second half of the 20th century. The first wave of immigration between 1968-1980s brought roughly about one-quarter million Jews from the Soviet Union mainly because of political reasons and economic reasons.

A second wave which was the largest wave started in the late 1980s and comprised of 1.5 million Russian immigrants. Getting an exit visa for the Russian immigrants was difficult due to many administrative barriers placed by the Soviet government.

The US had a virtual “open door” policy that granted refugee status to all candidates who applied in the transit centers and thus moved to the US. A large number were granted employment along with immediate relatives who were granted visas by the end of 1990s. By the end of the 1990s, an increasing proportion were granted employment, diversity, or “immediate relative” visas. The Russian immigrants have significantly contributed to the American society and economy of the country.

Many of the immigrants were from the higher classes of the Russian Empire who contributed immensely towards American science and culture. Russian immigrants today can be identified as ethnic Russian and Russian Jews. The Russian Americans are the second largest East Slavic European community in the US. In 1990 according to Davis Center for Russian and Eurasian Studies at Harvard there are 750,000 Russian Americans with Russians ancestry in the US.

After the dissolution of the Soviet Union in 1991, and the end of the cold war, the relationship between the US and Russia is at a cross roads. Several Russians given the current socio-political time seek for opportunities to migrate out of Russia. Migrating to a new country for better economic opportunities is exciting but it is crucial that all new immigrants to the USA have good health insurance on arrival.

Healthcare in the US is very expensive and good US immigrant health insurance will provide coverage for medical expenses incurred in case of any injury or illness. Buying US immigrant insurance is easy at American Visitor Insurance and new immigrants can compare several plans for prices and benefits according to their specific needs.

The 24/7 customer support service by licensed agents will provide answers to all questions by the customers with instant policy documents by Email. Feel free to give us a call or email us and one of our customer support licensed agents will be able to help you.

Immigrant insurance for Russian Professionals in the USA

The US has had made a huge mark on global culture thanks to its movies and TV shows as well as the economic opportunities provided by its innovative and dynamic economy. The US also has a long history of welcoming immigrants and visitors from all backgrounds, providing great working conditions and offering excellent career opportunities in diverse fields.

All of these factors have made the US an ideal destination for millions of well qualified professionals who wish to migrate overseas for work. Russian professionals migrating to the US looking for better economic opportunities can be seen from the colonial times, the soviet era till the current times.

Between 1991-2001 the growth of hi-tech industry in the US created the brain drain effect and attracted several scientists and engineers to leave Russia to pursue careers in the US. The Russian software engineers accounted for almost 30% of Microsoft production in 2002.According to the National Science Foundation in 2003 there were 20,000 Russian scientists working in the US.

While immigrating to the US and staying away from home, it is important that one should have good immigrant medical insurance. The US health care is very expensive and visiting an US hospital without insurance is scary, as one may land up in huge financial loss.

A good immigrant insurance plan will provide coverage for unexpected medical emergencies that you may occur during ones stay in the US. American visitor insurance works with the best US insurance providers to offer excellent immigrant insurance options at guaranteed best price.

American visitor insurance provides tools to compare several immigrant insurance plans based on prices and benefits. Buying US immigrant medical insurance is easy at American Visitor Insurance. For more details you can call or email us for further assistance and one of our licensed agents will help you.

US visitors medical insurance for US Expats in Russia

Americans find working outside the US both exciting and challenging and that the global exposure is also good for their career. Several Americans choose to explore opportunities in Russia which has been a popular Expat destination which offers immigrant’s an advanced economy, a friendly neighborhood, low-cost of living along with an excellent quality of life.

The affordable Russian healthcare facilities also attracts many Expats all around the globe. After the cold war several new opportunities for American businessmen opened in Eastern Europe, Central Europe, and Central Asia. The Russian government have highly qualified specialist work visa for Expats who wish to live and work in Russia. According to the US Embassy there were 30,000 Americans living in Russia in 2018.

Expats who live outside of their home country should be prepared for all uncertainties that may arise while living and working in a foreign environment. One should remember that while many developed nations offer the best healthcare systems, it is also expensive. Visiting a hospital without insurance is scary in case of any sudden illness or injury. It is important that US Expats to have good Expat medical insurance.

Many US Expats living in Russia travel back home to the US quite often. This is particularly during Thanksgiving and Christmas when millions of US expats travel back to the US to spend time with family and friends. It is important to US citizens living outside the US buy visiting home to have short term travel health insurance while visiting the US. Short term travel medical insurance provides coverage for unexpected medical expenses incurred while traveling to the US.

At American Visitors Insurance one can compare several plans both for prices and benefits using the comparison tool. On buying the travel insurance, one will get instant policy documents by Email. The 24/7 customer support assistance by one of the licensed service agents will provide answers to all questions by customers. Feel free to give us a call or email us and one of our customer support licensed agents will be able to help you.

US visitor medical insurance for tourists from USA visiting Russia

Russia being between Europe and Asia has a rich fascinating cultural history and is also famous for art and architecture. Russia is one of the popular travel destinations for tourists from all around the globe and millions of tourists visit Russia each year. There are many US tourists who visited Russia to explore the country and in 2019 itself there were 241,000 American tourists who traveled to Russia.

Going for a holiday overseas requires comprehensive arrangements and one should keep in mind the inconveniences that can be caused due to changes in weather, food and long travel. international travel insurance can provide one with coverage for any unexpected medical and travel emergencies and one can also insure the trip costs along with the health of the traveler.

American visitor insurance offers customers some of the best US insurance travel insurance plans. They work with several top US insurance providers and offer the guaranteed best prices along with coverage for acute onset of pre-existing conditions. On buying the insurance one will get policy documents by Email. There is also 24/7 customer support available with licensed US insurance agents. For more details you can call the customer service or email us and we will be glad to help you.

US visitor medical insurance for tourists from Russia visiting USA

The United States is a country with multi cultures, famous monuments and natural wonders which makes the country one of the most desired tourist destinations around the globe. Tourism in the US is a huge business that serves millions of tourists each year. There are many Russian travelers who visit the USA both to meet their family and relative’s settled there as well as to explore the nation. In 2019 itself there were 257000 visitors to the U.S. from Russia.

Traveling to the US for an exciting vacation is thrilling but international travel can be sometimes risky. This is particularly true for older travellers as it increases the risk for unexpected medical emergencies. International travel insurance provide one with the coverage for unexpected medical and travel emergencies. It can insure the trip costs as well as the health of traveler.

American visitor insurance offers customers some of the best US insurance plans at guaranteed best prices. There are plans that insure acute onset of pre-existing conditions coverage. One can compare several plans for prices and benefits and get answers to FAQ's by customers will guide you to make an informed decision.

Purchasing US visitor medical insurance is easy at American visitor insurance. On purchasing the insurance one will get policy documents by Email with 24/7 customer support by licensed US insurance agents. For more details you can call our customer service or email us and we will be glad to help you.

Best travel insurance USA from Russia – FAQ’s

1.  why is travel insurance for usa so expensive.

There is no denying that travel insurance to USA is unfortunately very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs.

One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance for USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

2.  How to buy travel insurance ? How to find the best international travel health insurance ?

There are many international travel health insurance plans for coverage both in the USA as well as around the world offered by US insurance providers. Given the several travel insurance international options, it can be confusing to find the best health insurance for international travel for your needs.

What is very useful in making this decision is to compare travel insurance USA of different companies. The travel insurance comparison allows travelers compare prices as well as coverage benefits in an objective manner.

The traveler can change relevant factors like the medical maximum coverage required, the international traveler insurance deductible, any international travel health insurance plans with coverage for pre-existing ailments...

The global travel insurance comparison also allows travelers to buy the best travel insurance based on ones needs by completing an online application and paying using a credt card. One completing the purchase the travel insurance plan is emailed to the customer.

Trip insurance vs Travel health coverage vs Global medical insurance

Confused whether to buy trip, travel or global health insurance? Understand the differences!

Steps to buy US visitor travel insurance online

  1: finding the best health insurance for foreigners,   2: compare the different travel insurance options.

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

  3: Buy the US travel health insurance that you like best

Purchase the plan that fits your needs and budget best by using a credit card and completing the online application.

  4: Review insurance plan documents received by email

Review the international travel health insurance policy for coverage details and relevant contact numbers

Factors to buy best travel medical insurance USA

Age of the traveler.

The cost of medical insurance for travelers is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Type of US travel health insurance

Comprehensive insurance provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.

Medical maximum coverage

The price of visitors insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Region of coverage

Travel insurance depends on the coverage region. The cost for visitor insurance for the United States is most expensive when compared to Europe or Asia.

Duration of travel insurance

The cost of trip insurance directly depends on the length of travel. The longer the duration of visitor medical insurance required, the higher will be the cost.

Any add on benefits

Additional add-on benefits to the basic insurance for tourist plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.

Different types of US Visitors travel insurance

Fixed benefit travel insurance.

A fixed benefit or scheduled benefits travel insurance plan is the cheapest US travel insurance plan, however this is because the Fixed benefit travel insurance have a fixed limit of coverage for different medical benefits. Fixed benefit international travel medical insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.

Comprehensive travel insurance

Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit international travel medical insurance there are no coverage limits for each benefit. It is much more expensive when compared to fixed benefit plans but also provides significantly superior coverage especially in case of a serious medical emergency or hospitalisation.

Types of travel insurance

Single trip travel insurance.

Compare and buy best US Single trip insurance for travel within the US and overseas

Single Trip vs MultiTrip Travel Insurance

Compare Single trip vs multi trip insurance plans offered by US insurers.

Travel tips for international travelers

Travel tips for international travelers – Safety, Comfort and Wellness.

Best travel health insurance in USA information

Travel medical insurance USA resources International travel insurance resources for USA visa holders.

Factors for travel insurance USA online Factors for the best travel insurance to USA.

Types of USA tourist insurance online Different types of tourist insurance for USA.

USA Vacation insurance claims procedure Trip insurance claims process for getting medical care.

Travel insurance to USA from Russia links

Travel insurance for usa faq, usa travel insurance blog, traveler insurance to usa forum, find the best us visitor insurance coverage - blogs and articles, affordable travel insurance online.

Fixed benefit or scheduled benefit plans are the most affordable international travel insurance plans.

Best international travel insurance

International travel insurance plans covering pre-existing conditions which many older travelers look for.

Compare US travel insurance online

Compare quotes online for best travel insurance online, Fixed vs comprehensive travel insurance USA.

Advantages of buying travel insurance online

Compare and buy the best travel medical insurance plans online.

Buy cheap travel insurance

There are many cheap international insurance plans also known as visitor insurance plans.

How does travel insurance work?

Coinsurance & Deductible - How visitor travel insurance works.

Best international medical insurance

Travel insurance - pre-existing conditions coverage.

Compare and buy best pre-existing plans

International travel insurance resources

Compare and buy international travel insurance USA

Travel insurance for trip cancellation for Non US residents

Information about US mobile passport control and TSA pre check for US passport holders.

Travel insurance for Russian citizens visiting Europe

Russians visiting schengen countries.

Travel Insurance is mandatory while applying for the Schengen visa which allows you to travel to 29 countries in Europe. The Schengen state consulates have guidelines for the insurance which satisfy visa requirements.

Coverage for emergency cases, hospital stays, evacuation is a minimum requirement that can put your mind at ease when you are in a foreign country with many unknown factors related to medical affairs of that country. We have several plans for people all over the world visiting European countries which satisfy Schengen visa requirements. Nationalities who require Schengen visa.

Schengen visa insurance requirements

• Travel insurance coverage of 30,000 Euros (about $50,000 USD)
• A repatriation benefit.
• An emergency medical evacuation benefit.

Popular outbound destination among Russian travelers

Us visitors insurance providers.

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

More international travel insurance categories

Visitors insurance USA

USA New immigrant Insurance

US visa health insurance

Senior Citizen travel insurance

Pre-existing visitors insurance

J1 Visa health insurance

International student Insurance

Green Card medical insurance

International Medical Insurance

Cruises Travel Insurance

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How to Find the Best Travel Insurance

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Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards that offer varying levels of travel insurance coverage for purchases made with the card.

on Chase's website

on American Express' website

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

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

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

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

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

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

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

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

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

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

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

Terms apply.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance?

How much is travel insurance?

Is travel insurance worth it?

What does travel insurance cover?

Does travel insurance cover COVID?

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Insurance Benefit: Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g., plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Underwritten by AMEX Assurance Company.

Insurance Benefit: Car Rental Loss & Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

How to maximize your rewards

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

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

No annual fee: Wells Fargo Autograph℠ 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

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

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

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

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

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

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

Russia Travel Insurance

Embarking on a journey to Russia requires more than just packing essentials; it entails thoughtful consideration of the unforeseen challenges that might arise. That’s where the importance of travel insurance for Russia comes to the forefront. This guide is your gateway to understanding the intricacies of securing the right insurance, covering everything from the mandatory insurance for the Russian visa application to comprehensive medical coverage within the vast expanse of the Russian Federation.

Whether you’re planning a cultural expedition, a business trip, or an adventure in Russia, having the appropriate travel insurance is not just advisable; it’s a prerequisite for a worry-free and well-prepared exploration. Join us as we navigate the landscape of travel insurance, shedding light on why it matters, what it should cover, and how you can tailor it to your specific needs when traveling to Russia.

Why Russia Travel Insurance?

Coverage Types

• Medical Coverage: Essential for unexpected health issues.
• Trip Cancellation: Protects against unforeseen events disrupting travel plans.
• Baggage Loss/Delay: Safeguards belongings during transit.

Exclusions and Limitations: Understanding the limitations and exclusions of a policy is crucial to ensure comprehensive coverage.

Why Travel Insurance Matters in Russia

• Unique Travel Challenges: Russia’s vastness and diverse activities present unique challenges that necessitate robust insurance coverage.
• Legal and Healthcare Considerations:  Navigating Russia’s legal requirements and healthcare system underscores the importance of having reliable travel insurance.

Reasons To Buy Russia Travel Insurance From Any Country

Russia travel insurance is essential for anyone planning a visit to this vast and diverse country. Whether you’re travelling for leisure, business, or exploring the rich cultural heritage of the Russian Federation, having the right insurance coverage is crucial.

When obtaining a Russian visa, it’s a mandatory requirement to provide proof of medical insurance for the duration of your stay. This medical insurance for Russia, often referred to as travel medical insurance, ensures that you are financially protected in case of unexpected medical expenses during your trip.

Here are some key reasons to consider purchasing Russia travel insurance:

Mandatory for Russian Visa: To obtain a Russian visa, you will need to provide evidence of medical insurance coverage. This requirement is in place to ensure that visitors have access to adequate healthcare services while in the country.

Healthcare Expenses Coverage: In the event of a medical emergency or illness during your stay, having travel medical insurance ensures that your medical expenses will be covered, including hospitalization, doctor’s fees, and medication costs.

Compliance with Regulations: Having the appropriate insurance policy for Russia ensures that you comply with the regulations of the Russian Federation. Failure to provide the necessary documentation, including valid medical insurance, could result in difficulties during your travel.

Protection for the Unexpected: Travel insurance not only covers medical emergencies but also protects against unexpected events such as trip cancellations, lost baggage, or flight delays. This helps you minimize financial losses in unforeseen circumstances.

Peace of Mind: Knowing that you have comprehensive insurance coverage for the duration of your stay in Russia provides peace of mind. You can enjoy your trip with the confidence that you are protected against unforeseen events that may disrupt your plans.

Covers Various Aspects: A good Russia travel insurance policy should cover a range of aspects, including medical emergencies, trip cancellations, baggage loss, and more. This comprehensive coverage ensures that you are prepared for various situations that may arise during your travels.

Ease of Obtaining Treatment: With the right insurance, you can access quality healthcare facilities in Russia without worrying about the financial implications. This is especially important in a foreign country where navigating healthcare systems may be challenging.

Legal Requirements: Besides being a visa requirement, having the appropriate travel insurance is also a legal requirement in Russia. It is advisable to familiarize yourself with the specific insurance regulations of the Russian Federation to ensure compliance.

Russian Medical Insurance Requirements: Visa and Entry Information

When planning a trip to Russia, it is imperative to be aware of the visa and entry requirements, particularly the mandatory medical insurance. The Russian Federation stipulates that all visitors must have valid medical insurance coverage for the duration of their stay, and this requirement is closely tied to the visa application process.

Here’s a comprehensive guide to understanding the significance of medical insurance for Russia:

Russian Visa Application: To apply for a Russian visa, individuals must provide evidence of medical insurance coverage. This insurance, often referred to as travel medical insurance or Russian travel insurance, is a key component of the visa application process.

Mandatory Requirement: The medical insurance requirement is not just a formality; it is a mandatory provision enforced by the Russian government. This is in place to ensure that visitors have access to necessary medical services during their stay in the country.

Coverage for the Unexpected: Medical insurance for Russia goes beyond visa compliance; it serves as a safety net for unforeseen circumstances. In the event of a medical emergency, the insurance policy covers expenses such as hospitalization, doctor’s fees, and prescription medications.

Comprehensive Insurance Policies: When selecting a policy, ensure it provides comprehensive coverage, including not only medical emergencies but also other aspects like trip cancellations, lost baggage, or travel delays. This ensures holistic protection against various potential disruptions.

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Legal Compliance with the Russian Federation: Adhering to the medical insurance requirement is not just a matter of convenience but a legal obligation. Failure to provide proof of the necessary insurance may result in complications during the visa application process or upon entry into Russia.

Ensuring Health and Safety: Having valid medical insurance enhances the safety and well-being of travellers. It guarantees access to quality healthcare services in Russia, contributing to a smooth and secure travel experience.

Understanding the Insurance Policy: Before obtaining insurance, it’s crucial to understand the terms and conditions of the policy. Familiarize yourself with the coverage limits, inclusions, and exclusions to ensure that the insurance meets the specific requirements of the Russian Federation.

Peace of Mind for Travelers: Travelers can embark on their journey with confidence, knowing that they are adequately covered in case of any health-related contingencies. This peace of mind enhances the overall travel experience.

In summary, obtaining medical insurance in Russia is not just a visa prerequisite; it is a fundamental aspect of responsible travel planning. It ensures compliance with the regulations of the Russian Federation, provides financial protection in emergencies, and contributes to an overall safer and more enjoyable travel experience. Travelers are advised to carefully choose a suitable insurance policy that aligns with their needs and the specific requirements of their trip to Russia.

best places to visit in russia

Moscow  is the capital and largest city of Russia and is set on the Moskva River in Central Russia.

Moscow’s importance to Russia goes well beyond its political significance. It is a city of more than 12 million people and is well known for its artistic endeavors, including ballet, symphonies, and art. Onion-shaped domes of historic churches fill the skyline, while the impressive Red Square, is one of the largest squares in the world. Other sights that shouldn’t be missed are the statues of Lenin and Stalin, controversial leaders in the 20th century. Further evidence that Moscow’s past wasn’t always squeaky clean can be seen in the Gulag and Cold War museums.

Vladivostok

Vladivostok is the largest city and the administrative center of Primorsky Krai, Russia, located around the Golden Horn Bay.

The m ountains and bays surround ing Vladivostok, make it a stunningly beautiful city. Vladivostok is the last stop on the Trans-Siberian Railway and the country’s largest port on the Pacific Ocean. The city offers many cultural attractions from theaters to museums to concerts. Visitors usually want to take walks through some of the city’s lovely parks, including Minny Gorodok, which was once a military base. The city’s main square is Admiralsky Skver, with a museum devoted to a submarine nearby.

Travel Insurance

Travel Insurance, Schengen visa travel insurance, Europe and Worldwide Single Trip and Multi-Trip Insurance policies.