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Trip Cancellation Insurance

Trip cancellation insurance helps protect you and the investment you made in your trip when you travel. It provides pre-departure benefits in case you must cancel your trip before you have the chance to take it, and post-departure benefits such as travel delay, trip interruption, and emergency medical expenses to protect you while you are traveling.

Trawick International Safe Travels Trip Protection Plans cover pre-paid, nonrefundable financial penalties or losses you incur when you cancel a prepaid tour or flight for a covered reason. Some plans offer optional Cancel for Any Reason (CFAR) and Interruption for Any Reason (IFAR).

It's best to buy your insurance when making the first payment on your trip, however you can purchase a trip cancellation plan until the day before you leave. For plans that offer Cancel for Any Reason (CFAR), you must purchase the optional benefit within the specified time frame from the initial deposit/final payment date and you must insure all prepaid non-refundable trip costs. Please note that we do not have any plans which offer CFAR in NY.

Please see each plan below for available benefits and limitations/exclusions.

Coverage limits and availability may vary by state.  Refer to the Certificate of Insurance for a list of coverages.

Complete underwriter details are available in the brochure.

Safe Travels Voyager

• Trip Cancellation, Trip Interruption, Emergency Medical and Evacuation, Baggage – and more
• Competitive pricing that’s customized for your trip
• Optional Cancel for Any Reason available within 21 days of initial trip deposit and prior to final payment.
• Plan includes $3,000 of trip delay coverage with options to increase up to $7,000
• $250,000 of Primary Medical coverage with options to increase to $500,000
• COVID is treated the same as any other illness
• Pre-existing coverage included on plans purchased within 21 days of deposit and prior to final trip payment
• Interrupt for any reason available
• Valid for US Residents traveling within the U.S and/or internationally
• For ages 14 days to 99 years
• Coverage for a maximum of 180 days
• Plan rates are per person, based on trip costs, number of days and age of traveler at the time of purchase

Safe Travels Armor

• Up to $100,000 of Primary Medical coverage
• Designed for those who are looking for the highest available benefits
• Cancel for Any reason available within 14 days of deposit
• Emergency Evacuation and Repatriation
• Lost Baggage and Baggage Delay
• Pre-Existing Coverage on plans purchased within 14 days of initial deposit
• Available to US residents traveling within the United States and abroad
• Plan is available for purchase 18 months in advance of departure
• Coverage for a maximum of 90 days
• Covers up to age 85

Safe Travels First Class

• COVID is treated the same as any other illness.
• High end comprehensive plan with competitive benefits
• Optional Cancel for Any Reason available within 14 days of deposit
• Pre-Existing medical condition waiver available within 14 days of deposit
• Property Damage coverage for accommodations - NOT available to residents of NY
• Up to $150,000 in Secondary emergency medical coverage
• Plan is available for purchase 15 months in advance of departure
• Maximum trip length for ages 80+ is 30 days.

Safe Travels Journey

• Optional Cancel for Any Reason available within 14 days of initial trip deposit and prior to final payment.
• Plan includes $150,000 of Medical Coverage
• Coverage designed for travel within the United States or International
• Optional Rental Car Damage Coverage
• Optional 24 Hour AD&D

Safe Travels Defend

• Up to $50,000 of Primary Medical coverage
• Comprehensive coverage for pre-travel and once you depart
• Competitive coverage designed for travel within the United States or International
• Pre-Existing Coverage on plans purchased within 7 days of initial deposit

Safe Travels Single Trip

• Trip Cancellation and Trip Interruption Coverage
• Pre-Existing medical condition waiver available within 10 days of initial trip deposit
• 10 Day Free Look Period
• For Age 14 days to 99 years of age
• Rates are based on age, trip cost and length of coverage

Safe Travels Explorer

• Designed for our price-conscious travelers
• Up to $25,000 in Optional Rental Car Damage
• Plan includes $50,000 of Medical Coverage
• Coverage for a maximum of 60 days

Safe Travels Explorer Plus

• Trip Cancellation and Interruption
• Pre-Existing medical condition waiver available
• Emergency Medical
• For age 14 days to 99+ years of age
• Plan rates are per person, based on trip costs, number of days and age of traveler at the time of purchased

Safe Travels Flex

• Customizable coverage! Build your own plan.
• Plan includes Trip Cancellation and Trip Interruption Coverage, add any combination of options to your plan.
• Optional Cancel for Any Reason (CFAR)** available in all states except NY. Not available for travel to or including Israel.
• Optional Trip Delay (Not available in PA, NY, WA, MO, & MT)
• Optional Emergency Accident & Sickness Medical and Dental Expense (Not available in PA, NY, WA, MO, & MT)
• Optional Baggage and Personal Effects (Not available in PA, NY, WA, MO, & MT)
• Optional Baggage Delay (Not available in PA, NY, WA, MO, & MT)
• Optional Emergency Evacuation and Repatriation of Remains (Not available in PA, NY, WA, MO, & MT)
• For US Residents traveling within the USA and/or internationally
• For ages 14 days to 69 years of age
• Plan can be purchased up to 12 months prior to departure
• Coverage for a maximum of 30 days
• Rates are based on age, trip cost and optional coverage added
• Our Underwriters still consider Israel an active War situation. Losses due to this will be excluded.

Safe Travels Protect

• Designed for price-conscious travelers
• Comprehensive coverage for trip cancellation, trip interruption, emergency medical and post-departure travel coverage
• Up to $25,000 of Primary Medical coverage

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Privacy Policy

Trawick International’s Privacy Policy

Welcome to our website.  We appreciate your interest in us.  We take the privacy of our customers very seriously and are committed to protecting your privacy. This policy explains how we collect, use, and transfer your personal data, and your rights in relation to the personal data stored by us when you use our website or otherwise engage with our services.

Effective October 3, 2023

This policy sets out the following:

• What personal data we collect about you and how;
• How the data is used;
• Our legal basis for collecting your information;
• Who we share your data with;
• Where we transfer your information;
• How long we retain your information for;
• Your rights and choices in relation to the data held by us;
• How to make a complaint in relation to the data held by us;
• How to contact us with any queries in relation to this notice, or the personal data held by us.

Who is Trawick International?

Trawick International (“we,” “us,” or “our”) provides worldwide travel medical insurance, travel insurance, trip insurance for trip cancellation or trip interruption, international student insurance, group travel insurance, and many other products designed specifically for those traveling.  Our travel insurance programs are designed for those traveling to the USA, individuals traveling abroad, US Citizens who are traveling in the USA and non US citizens traveling from their home country but not visiting the USA.  We offer an extensive worldwide network of quality physicians, hospitals, and pharmacies.  We cover employees, corporations, schools, frequent world travelers, international students, study abroad programs, missionary trips, and just the casual vacation traveler.  Our individually customized plans can cover hospital stays, doctor visits, x-rays, prescriptions, ambulance, emergency evacuation, repatriation, flight insurance, trip interruption, trip cancellation, trip delay, and lost baggage.   

For the purposes of European data protection laws, if you are visiting our  website www.trawickinternational.com (or otherwise engaging with our services from the European Economic Area (or "EEA"), the data controller of your information is Trawick International.

What is personal data?

In this privacy policy, references to "personal information" or "personal data" are references to information that relates to an identified or identifiable individual. Some examples of personal data are your name, address, email, and telephone number, but it may also include information such as your IP address and location in certain jurisdictions.

What personal data do we collect?

We collect personal data that you provide to us when you sign up for our services, such as your contact information and financial information. We may also collect commercial information based on how you interact with our services, such as the products or services you’ve purchased or other Internet or network activity, such as your website browsing history or mobile device information.

Below are some more details on the type of personal data we collect.

Information that is provided by you:

In order to provide services to you we may ask you to provide personal information. This may include, amongst other things, your name, email address, postal address, telephone number, gender, date of birth, passport number, bank account details, credit history and claims history, citizenship status, marital status depending on the service you are seeking. The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point at which we ask you for it or upon request.

Some of the information that you provide may be “special category” (or “sensitive”) personal data. Sensitive personal data relates to your racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, genetic data, biometric data for the purpose of uniquely identifying a natural person, data concerning health or data concerning a natural person’s sex life or sexual orientation, and can sometimes be inferred from other, non-sensitive, information that you have provided.

Information that we collect on our website:

When you visit our website, we will seek your consent to collect certain information from your device. In some countries, including countries in the EEA, this information may be considered personal information under applicable data protection laws.

Specifically, the information we are seeking to collect includes information like your IP address, device type, unique device identification numbers, browser type, broad geographic location ( e.g., country or city-level location) and other technical information. We may also collect information about how your device has interacted with our website, including the pages accessed and links clicked.

Collecting this information enables us to better understand visitors to our website, where they come from, and what content on our website is of interest to them. We use this information for our internal analytics purposes and to improve the quality and relevance of our website to our visitors.

Some of this information may be collected using cookies and similar tracking technology, as explained further under the heading “Cookies" below.

Information that we obtain from third party sources:

From time to time, we may receive personal information about you from third party sources but only where we have checked that these third parties either have your consent or are otherwise legally permitted or required to disclose your personal information to us.

For information about a third party’s usage and/or sharing of your personal data, please refer to the third party’s own privacy statement.

We may, where we are legally permitted to, also collect personal data from the following sources in order to provide services to you:

• Credit reference agencies;
• Anti-fraud and other databases;
• Government agencies;
• Electoral register;
• Court judgments;
• Sanctions lists;
• Family members; and
• In the event of an insurance claim: the other party to the claim, witnesses, experts, loss adjusters, solicitors, and claims handlers.

How is personal data used?

We may need to use your personal data in order to carry out the following activities:

• To set you up as a new client (including carrying out “know your customer” checks);
• To provide you with an insurance quote;
• To provide our products and services to you;
• To respond to your inquiries;
• To accept payments from you;
• To communicate with you about your policy;
• To renew your policy;
• To obtain reinsurance for your policy;
• To process insurance and reinsurance claims;
• For general insurance administration purposes;
• To comply with our legal and regulatory obligations;
• To model our risks;
• To defend or prosecute legal claims;
• To investigate or prosecute fraud;
• To respond to your enquiries; or
• To secure our network and our website, debug the website and repair errors;
• To conduct audits related to our interactions with you;
• To make our products and services better and to develop new products and services;
• To send you notices and information regarding our products or services, including notifying you about special promotions or offers, where we are legally permitted to do so; and
• Enforce our Terms and other usage policies and comply with legal requirements.

Our legal basis for collecting your information:

Our legal basis for collecting and using your personal data will depend on the personal data concerned and the specific context in which we collect it.

We will normally collect personal data where we need the information to provide you with our services / perform a contract with you, where the processing is in our legitimate interests and not overridden by your data protection interests or fundamental rights and freedoms, or with your consent.

In some cases, we may use your personal data for a legal obligation, e.g., in order to complete “know your customer” and money laundering checks before taking you on as a new client.

If we ask you to provide personal information to comply with a legal requirement or to perform a contract with you, we will make this clear at the relevant time and advise you whether the provision of your personal information is mandatory (as well as of the possible consequences if you do not provide your personal information). You are under no obligation to provide personal data to us. However, if you should choose to withhold requested data, we may not be able to provide you with certain services.

Similarly, if we collect and use your personal information in reliance on our legitimate interests (or those of any third party), we will make clear to you at the relevant time what those legitimate interests are.

If you are a UK resident, we may collect and use your personal information, including sensitive personal information, on the basis of the insurance derogation in the UK Data Protection Act 2018.

If you are an EU resident, we may collect and use your personal information, including sensitive personal information, on the basis of the substantial public interest of insurance purposes, as regulated in the General Data Protection Regulation (GDPR).

If you have questions about or need further information concerning the legal basis on which we collect and use your personal information, please contact us using the contact details provided under the “Contact Us" section below.

Who is your personal data shared with?

We may disclose your personal information with the following categories of recipients.

• To our group companies, third party service providers and partners who provide data processing services (for example data hosting and storage companies, email marketing affiliates, and payment and claims processing companies) or who otherwise process personal information for purposes that are described in this Privacy Policy (see “How is personal data used?”).
• To any competent law enforcement body, regulatory, government agency, court or other third party where we believe disclosure is necessary (i) as a matter of applicable law or regulation, (ii) to exercise, establish or defend our legal rights, or (iii) to protect your vital interests or those of any other person;
• To a potential buyer (and its agents and advisers) in connection with any proposed purchase, merger or acquisition of any part of our business, provided that we inform the buyer it must use your personal information only for the purposes disclosed in this privacy policy;
• To any other person with your consent to the disclosure.

We do not sell (or exchange) your personal information for monetary compensation.

If you are a US resident, from time to time we may share your personal information with third parties for a third party’s own direct benefit and this type of sharing may be considered a sale under certain applicable laws. For more information on the type of information we may share in this manner, please contact us.

International Transfers

Your personal data may be transferred to, and processed in, countries other than the country in which you are resident. These countries may have data protection laws that are different to the laws of your country.

Specifically, the servers of Trawick International are located in the United States. Trawick International partners with many other international companies.  This means that when we collect your information, we may process it in other countries.

We have taken appropriate safeguards to require that your personal data will remain protected in accordance with this privacy policy. We have also taken appropriate  safeguards with our third party service providers and partners.

How long is personal information retained?

We will keep your personal data on our records for as long as we have an ongoing legitimate business need to do so. This includes providing you with a service you have requested from us or to comply with applicable legal, tax or accounting requirements. It also includes keeping your data for so long as there is any possibility that you or we may wish to bring a legal claim concerning our services, or where we are required to keep your data for legal or regulatory reasons. Please contact us using the contact details provided under the “Contact Us" section below should you require further information on our record retention procedures.

We may also retain your personal data where such retention is necessary in order to protect your vital interests or the vital interests of another natural person.

Your Rights as a Data Subject

You have the right to opt out of marketing communications we send you at any time. You can exercise this right by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

If you are an EU resident, you will need to opt-in to receive marketing from us. If you then wish to unsubscribe at any point, you can do so by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

Similarly, if we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information that was lawfully collected on grounds other than consent.

You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws.

You may exercise any of your rights in relation to your personal data by contacting us using the details set out in the “Contact us” section at the bottom of this page.

If you are resident in the UK or EU, your principal rights under data protection law are as follows:

• the right to access;
• the right to rectification;
• the right to erasure;
• the right to restrict processing;
• the right to object to processing;
• the right to data portability;
• the right to complain to a supervisory authority; and
• the right to withdraw consent.

If you wish to access, correct, update or request deletion of your personal information, we will ask you to provide us with a copy of any two of the following documents: Driver’s license; Passport; Birth certificate; Bank statement (from the last 3 months); or Utility bill (from the last 3 months). With regards to your right of access, the first access request will be complied with free of charge, but additional copies may be subject to a reasonable fee.

In addition, you can object to processing of your personal information, ask us to restrict processing of your personal information or request portability of your personal information.

If we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information conducted in reliance on lawful processing grounds other than consent. You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

Contact details for other data protection authorities in the European Economic Area, Switzerland and certain non-European countries (including the US and Canada) are available  here .

If you are based in the UK or EU, you may exercise any of your rights in relation to your personal data by contacting us using email or you can use the details set out in the “Contact Us” section at the bottom of this page.

If you are resident in the US, applicable law may entitle you, upon verifiable request, to receive disclosures relating to:

• The categories and specific pieces of information we have collected;
• The categories of sources from which the personal information is collected;
• The business or commercial purpose for collecting personal information; and
• The categories of third parties with whom we share personal information.

If you wish to exercise any of the rights described above, we will ask you to verify your identity. We generally will not charge to reply to your request, but we may charge a reasonable fee or refuse your request if the request is unjustified or excessive.

Automated decision making

In some instances, our use of your personal information may result in automated decisions being taken (including profiling) that legally affect you or similarly significantly affect you.

Automated decisions mean that a decision concerning you is made automatically on the basis of a computer determination (using software algorithms), without our human review. For example, in certain instances we may use automated decisions to establish whether we will propose insurance coverage to a prospective insured. We have implemented measures to safeguard the rights and interests of individuals whose personal information is subject to automated decision-making.

When we make an automated decision about you, you have the right to contest the decision, to express your point of view, and to require a human review of the decision.

As mentioned above, we may use your personal data to send you marketing materials.

If you are a UK or EU resident, you will need to opt-in to receive marketing from us. If you then wish to unsubscribe at any point, you can do so by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

If you are resident in the US, you do not need to opt-in to receive marketing materials from us, and you have the right to opt-out of receiving such communications. If you would like to stop receiving marketing information from us, please unsubscribe by clicking the “unsubscribe” link in the relevant marketing email or contacting us.

Trawick International is committed to keeping our customers’ data safe. We have security measures in place designed to protect against the loss, misuse, and/or alteration of personal data under our control. Although we cannot ensure or guarantee that loss, misuse, or alteration of data will not occur, we use our best efforts to prevent this. If you have any concerns that your Trawick International account or personal data has been put at risk, please contact us.

Our sites use cookies (a small piece of information that is placed on your computer when you visit certain websites) to distinguish you from other users, to track your browsing pattern and to build a profile of how you and other users use our sites. This helps us to provide you with a good experience when you browse any of our sites and also allows us to improve our sites. If you have an online account with us, we also use cookies to recognize you to pre-fill forms to save you time. Trawick International does not mandate cookies for you to access our sites and you may freely set your browser to reject all cookies or prompt you to accept or reject them. Some of the cookies we use are session cookies and only last until you close your browser, others are persistent cookies which are stored on your computer for longer. We may collect information through web beacons about your web browsing activities such as the address of the page you are visiting, the address of the referrer page you had previously visited, the time you are viewing the page, your browsing environment, and your display settings. We do this in order to optimize your browsing experience, the use of web-based services and provide you with relevant information on Trawick International products and services when you have opted-in to receiving such correspondence.

We will not respond to Web browser “do not track” signals. If you would like additional information about online tracking and various opt-out mechanisms, please see https://youradchoices.com/

Because we may link to social media sites, and from time to time may include third-party advertisements, other parties may collect your personally identifiable information about your online activities over time and across different web sites when you visit this Site.

Please note that not all tracking will stop even if you delete cookies.

Children's Data

Our websites and applications are not directed to children under 16 and we do not knowingly collect any personal information directly from children under 16. If you believe that we are processing personal information pertaining to a child inappropriately, we ask you to contact us using the information provided under the “Contact Us” section.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time in response to changing legal, technical, or business developments. When we update our Privacy Policy, we will take appropriate measures to inform you, consistent with the significance of the changes we make. We will obtain your consent to any material Privacy Policy changes if and where this is required by applicable data protection laws.

You can see when this Privacy Policy was last updated by checking the “effective date” displayed at the top of this Privacy Policy.

Any changes will be effective only after the effective date of the change and will not affect any dispute arising prior to the effective date of the change.

If you have any questions about this Privacy Policy, please contact us using the following contact details:

Post Office Box 2284

Fairhope, Alabama USA 36533

Toll Free Telephone Number: +1 (888) 301-9289

Terms and Conditions of Use

Important information.

The information contained in this website is not intended to be an offer to sell or a solicitation in connection with any product or service by Trawick International Inc., in any jurisdiction where such an offer or solicitation would be unlawful or in which Trawick International, Inc., is not qualified to do so. Products and services described in this website may not be available in all jurisdictions. Not all insurance products described in this website are available to all persons in all States, Countries, or other jurisdictions at all times.

All products contain certain conditions, restrictions, limitations and eligibility requirements. The information contained in this website is not intended to be a complete description of all terms, exclusions and conditions applicable to the products and services. For complete terms, exclusions and conditions applicable to the products offered please contact Trawick International .

By using this website, you agree to the terms of its use. If you do not agree to these terms, PLEASE DO NOT USE THIS WEBSITE. For additional information or questions, please contact Trawick International or your independent insurance broker or agent.

TERMS & CONDITIONS OF USE

Effective Date: October 6, 2023

INTRODUCTION

THESE TERMS & CONDITIONS OF USE (“T&C”) GOVERN YOUR USE OF TRAWICK INTERNATIONAL, INC.’S (“COMPANY”, “WE”, “OUR”, OR “US”) WEBSITE LOCATED AT WWW.TRAWICKINTERNATIONAL.COM OR OTHER WEBSITES CONTROLLED BY COMPANY AND ITS AFFILIATES AS WELL AS ANY DOCUMENTS EXPRESSLY INCORPORATED BY REFERENCE AND ANY RULES AND POLICIES PUBLISHED ON THIS WEBSITE (THE “WEBSITE”).

BY ACCESSING THIS WEBSITE, YOU AGREE TO THE T&C, REVISIONS, AND MODIFICATIONS. ALL CHANGES ARE EFFECTIVE IMMEDIATELY UPON POSTING, AND APPLY TO ALL ACCESS TO AND USE OF THE WEBSITE THEREAFTER. ANY CHANGES WILL NOT EFFECT ANY DISPUTES ARISING PRIOR TO THE EFFECTIVE DATE OF THE CHANGE. WE MAY SEND YOU NOTICES WITH RESPECT TO THE WEBSITE IN VARIOUS MEDIUMS, INCLUDING BY EMAIL ADDRESS, POSTAL MAIL, AND/OR BY POSTING ON THE WEBSITE.

ARBITRATION NOTICE: EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE “ARBITRATION AND CLASS ACTION WAIVER” SECTION BELOW, AND IF YOU DO NOT OPT-OUT AS SET FORTH IN THAT SAME SECTION, YOU AGREE THAT DISPUTES BETWEEN YOU AND COMPANY OR ITS AFFILIATES WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION, AND YOU WAIVE YOUR RIGHT TO BRING OR RESOLVE ANY DISPUTE AS, OR PARTICIPATE IN, A CLASS, CONSOLIDATED, REPRESENTATIVE, COLLECTIVE, OR PRIVATE ATTORNEY GENERAL ACTION OR ARBITRATION.

ACCESS TO THIS WEBSITE

To access the Website or some of its resources, you may be asked to provide certain personal details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete.

In addition, certain other services of the Website, such as applying for coverage, may be governed by additional or different terms and conditions. You should carefully review those terms and conditions as they are referenced and/or presented to you.

We reserve the right to withdraw, amend, disable or suspend this Website, and any service or material we provide on the Website, in our sole discretion with or without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of the T&C.

Your privacy matters to us. Your use of the Website is also subject to our Privacy Policy that is available online here (“Privacy Policy”) and is incorporated into and made a part of these Terms of Use. The Privacy Policy is subject to change, and you are encouraged to review the Privacy Policy whenever you supply the Website with any information because you agree that Company can collect, use, and share your information consistent with that policy.

RESTRICTIONS ON USE

You may use this Website only for your internal, non-commercial purposes. You agree not to use this Website in any way that violates any applicable federal, state, local or international law or regulation. You further agree to maintain and update your registration data as needed to keep it accurate, current and complete. You may not use this Website or any of the content, defined below, contained on it for any other purpose, including any unpermitted commercial purpose, unless we provide our prior written consent to such use.

Uses requiring our prior written consent include the following, without limitation:

• Co-branding this Website;
• Framing this Website;
• Using any robots, scrapers, spiders, data mining tools, or any similar device, tool, software, or process;
• Hyper-linking to specific product or coverage information; or
• Reselling or remarketing the content, as defined below.

"Co-branding" means displaying a name, logo, trademark or other means of attribution or identification of any party in a manner reasonably likely to give a user the impression that the other party has the right to display, publish or distribute this Website or its content. You will cooperate fully with Company and its affiliates in causing any unpermitted or unauthorized activity of yours or a third party authorized by you to cease immediately. To the extent that such unpermitted or unauthorized use continues after notice from Company or its affiliates, you agree to pay or reimburse us for any and all costs (including attorney fees if applicable) associated with ending or terminating such use.

You agree not to impersonate or attempt to impersonate the Company, a Company employee, another user or any other person or entity (including, without limitation, by using e-mail addresses associated with any of the foregoing).

PROHIBITED USES AND ACTIONS

Additionally, you specifically agree not to:

• decompile, reverse engineer, disassemble, modify, reduce the Website to human perceivable form or create derivative works based upon the Website or any part thereof;
• disable any licensing or control features of the Website;
• “frame” the Website or any portion thereof or otherwise cause the Website or its contents to appear to be provided by anyone except Company and its affiliates;
• merge the Website or materials with another program or create derivative works based on the Website or materials;
• remove, obscure, or alter any notice of the copyright or other proprietary legends on the Website or materials;
• sublicense, assign, translate, rent, lease, lend, resell for profit, distribute or otherwise assign or transfer the materials or access to the Website to others;
• use the Website by means of any automated program, expert system, electronic agent or “bot,” and shall not give any person or entity access to the Website;
• utilize any “scraping,” copying, republishing, licensing, or selling the data or information on the Website.

PURCHASES AND PAYMENT

Company accepts a variety of payment methods as reflected on the Website. Before you can submit a request for purchase using the Website, you may be required to provide a valid card number and associated information for a payment card that you are authorized to use, including any of or all of the following: (i) your name as it appears on the card; (ii) the credit or debit card type, (iii) the card’s expiration date; (iv) any activation numbers or codes needed to charge your card; and (v) the billing address or zip code or postal codes associated with your card. You authorize Company and/or its affiliates, payment processor to use information you submit to charge your card or other payment method for the price of purchase requested, in addition to any taxes, fees, and charges as described in the T&C, at our convenience, including as early as at the time of the purchase request is submitted.

PROPRIETARY INFORMATION & TRADE SECRETS

The material and content accessible from this Website and any other website Company or its affiliates owns, operates, licenses or controls (the “content”) is the proprietary information of Company and its affiliates or the party that provided the Content to us, and Company and its affiliates or such party retains all right, title and interest in the content. Accordingly, the Content may not be copied, distributed, republished, uploaded, posted, rented, leased, distributed, modified or transmitted in any way without the prior written consent of Company and its affiliates, except that you may print out a copy of the content solely for your own personal use. In doing so, you may not remove or alter, or cause the removal or alteration of, any copyright, trademark, trade name, service mark or any other proprietary notice or legend appearing on any of the content. Modification or use of the content, except as expressly provided herein, may violate Company’s and its affiliates’ intellectual property rights or a third party’s rights. Neither title nor intellectual property rights in the content are transferred or licensed to you by these Terms or your access of this Website.

Certain information provided to you by Company or its affiliates through non-public portions of the Website may be confidential or trade secret information. You may use or disclose such information only to the extent necessary for the purposes it was disclosed to you. You may not use the Website to circumvent the terms of any referral agreement or in any other manner that is not consistent with the business purpose of the Website. When reasonable, you must return or destroy such information when you have fulfilled such purpose.

INTELLECTUAL PROPERTY

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• Differences in travel protection and insurance
• Travel insurance and protection costs
• Affordable ways to protect your trip

The Bottom Line

Travel insurance vs travel protection: how to protect your trip.

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• Travel insurance costs more than travel protection for a higher level of protection.
• Travel insurance may cover everything from your flight to medical costs and emergency evacuation.
• Travel insurance typically costs 4-8% of your total trip costs, more with CFAR protection.

In high school geometry class, you likely learned all squares are rectangles, but not all rectangles are squares. The two share attributes (each has four 90° angles), but the specifics vary from shape to shape (one has four equal sides, while the other does not). The same can be said for the perceived connection between travel insurance and travel protection. The two similar-sounding terms describe entirely different products if you're researching how to protect your trip.

Suffice it to say the confusion surrounding this topic, even among savvy travelers, is all-too-common.

"Travel protection and travel insurance are sometimes used interchangeably, but these two products are quite different and work best when they complement one another," says Joe Cronin, president of International Citizens Insurance, who cuts to the root of the problem.

While all travel insurance comes with built-in travel protection, not all travel protection provides insurance against your investment. Understanding the difference between the two products is essential to ensure you have the right coverage for your next trip.

The low down on differences

Travel Insurance is a regulated product purchased by the consumer from a third party and underwritten by a reputable insurance company. Depending on the policy purchased, travel insurance can help cover losses associated with travel delays, lost luggage, medical expenses, or trip cancellations. In addition, many travel insurance plans have added specialty coverage from sports equipment to pets and roadside service.

Travel protection (also called trip protection) is an unregulated product purchased directly from the provider (from travel agencies and credit card issuers to airlines and cruise ship companies). This option offers limited trip cancellation coverage in the form of fees waived and credit issued in the case of changes to the itinerary and cancellation, respectively.

You can buy travel insurance exclusively for trip cancellations, flights, or other individual services. On the other hand, buyers cannot make travel protection more comprehensive. It only ever serves the limited purposes designated by the travel service provider.

As such, when compared side-by-side, the cost of travel protection will invariably be less than the cost of travel insurance , making it an attractive option for many who still need to do their homework.

Cronin is critical of travel protection, saying it is not "a suitable policy in place of insurance, rather a good add-on if the price is right." He underscores while trip protection policies can be pretty generous, services remain unregulated and rife with exclusions.

Nicholas Imtias, an avid world traveler, learned this the hard way after opting for budget-friendly travel protection for a canceled overseas trip. Unfortunately, he could not utilize the waiver he received for a flight from Sri Lanka to the Maldives when the unregulated protection proved nothing but an empty promise.

How much does travel insurance cost next to trip protection?

Trip protection may pop up when booking your flight, whether through a deal site like Expedia or the main airline website. In most cases, premiums are low, totaling as little as $25-$30 for a short flight. But, as mentioned before, it only covers the flight.

The cost of travel insurance, on the other hand, equates to a percentage of the trip's total cost. Typically, premiums equate to an average of 4-8% of trip costs. Of course, a good travel insurance plan can't protect you from the inconvenience and sheer expense of an emergency while traveling abroad (which, depending upon the specifics, could be thousands of dollars or more) or ahead of time. But it can help to make you whole after the fact.

This could mean giving you a claim settlement to cover toiletries and other necessities in the immediate aftermath of a lost bag. It could also mean reimbursing you for a portion of nonrefundable trip costs if you have to cancel your trip. For travelers researching "how to protect your trip," travel insurance covers what we forget about until we need it.

The exact costs for travel insurance vary based on the trip and the coverage you want. For example, if you want cancel for any reason (CFAR) coverage, you should expect a hefty increase in your premiums. But for people canceling trips for excluded reasons with a regular travel insurance plan, CFAR coverage would be well worth it. The general rule is simple: the more protection you want, the more you'll have to pay.

How to protect your trip and spend as little as possible

Many people have a simple question: how much should I spend on travel insurance? The answer is it depends. So, before making any decisions and signing on the dotted line, consider your travel needs and budget.

"Travel insurance is designed to protect you and your trip from unexpected costs and losses …[and] depending on the plan you choose, the coverage can be very comprehensive," Pamela Bardo, vice president of Customer Service & Delivery at FlightHub Group, says.

"Rather than providing broad coverage, travel protection typically protects the customer's purchase in case they need to cancel due to unforeseen circumstances such as illness," Bardo explains. She emphasizes that travel protection does not typically cover indirect costs, such as the high costs of an emergency evacuation.

Travelers should look at the specifics of their travel plans and buy the appropriate plan. For example, suppose you're traveling from California to New York. In that case, you should get protection for your flight, and you might want to consider cancel for any reason coverage depending on many factors. However, getting medical travel insurance wouldn't make sense when your regular health insurance travels with you.

On the other hand, if you're traveling to Thailand, you'll want to protect the most expensive part of your trip (flight). You'll also want to get a robust medical plan in case something goes wrong in a country where you do not have other health insurance.

Travel insurance and travel protection are valuable tools designed to help keep travelers safe and protected on their journeys. Both provide peace of mind while en route to destinations around the globe. But it's essential to consider factors unique to your itineraries, such as the length and cost of your trip, potential personal risks or concerns, and any existing insurance coverage. All these things allow travelers to make the right decision for their travel plans.

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

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

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Whether it’s a canceled flight, lost baggage or an unexpected medical emergency, these events are not only disruptive, they can also be expensive. Purchasing a travel insurance plan can help mitigate some of the cost when your plans go awry.

According to Squaremouth, a travel insurance comparison site, travelers paid an average of $6,158 for a 16-day trip over the past year. That’s a lot of money on the table if an unexpected occurrence derails your plans.

One option to minimize this loss is purchasing travel insurance, such as coverage from Delta Air Lines’ plan. Here’s what to know about Delta’s trip protection policies.

Delta travel insurance plans

Delta offers international and domestic travel insurance that is administered by Allianz Global Assistance .

Its policies provide you reimbursement for some, or all, of your covered travel purchases and emergency medical expenses in the event of a disruption or delay.

Unlike dedicated travel insurance providers that offer annual or multi-trip plans , Delta’s plan is available for single-trip coverage only. However, you can purchase coverage for multiple individuals, as long as each person is named on the travel insurance plan.

» Learn more: What to know before buying travel insurance

What does Delta travel insurance cover?

Delta’s travel insurance option can be a convenient way to secure travel insurance, and it provides coverage for quite a few common scenarios, such as delayed baggage, trip cancellation and medical expenses.

However, coverage levels for some benefits will vary depending on where you live.

Generally, Delta’s trip protection includes the following:

Trip cancellation and trip interruption. You’ll get the nonrefundable part of your prepaid reservation back if you need to cancel or cut your trip short unexpectedly due to a covered event. Delta’s coverage limits for trip cancellation and trip interruption are based on the limits set for the state you live in.

Emergency medical and dental protection. If you experience an emergency illness or injury while on your trip, Delta travel insurance covers up to $10,000 in medical and dental expenses you incur for a covered occurrence. 

Emergency medical transportation. You might not always be near a hospital or urgent care facility when you are injured. For example, hiking in a remote location may require an emergency helicopter ride to a hospital. In this scenario, Delta’s travel insurance offers an emergency medical transportation benefit of up to $50,000.

Travel delay. Travelers who experience a trip delay of six or more consecutive hours can receive meal and accommodation reimbursements. The maximum coverage limits depend on your state of residence. 

Lost or damaged baggage. If your baggage is lost, damaged or stolen, Delta travel insurance reimburses you up to $500 for your personal items.

Baggage delay. This protection covers you when you need to replace essential items in your baggage because your baggage was delayed for 24 hours or longer. You can submit a reimbursement claim for up to $100 per person.

Change fees. If you need to make changes to your trip itinerary for a covered reason and it results in change fees, Delta trip protection reimburses you for this fee.

Concierge. As a traveler with Delta travel insurance, you’ll receive concierge support to help make your trip less stressful. A concierge associate can help you book restaurant reservations, provide travel recommendations and more. 

24-hour hotline assistance. If you encounter an emergency and need medical, legal or travel assistance during your trip, Delta travel insurance provides around-the-clock access to an associate who can help.

What isn't covered by Delta travel insurance?

A Delta travel insurance plan includes many categories for single-trip coverage; however, certain things that impede your travel might not be covered. Below is a list of what isn't covered under Delta’s trip protection.

Losses due to known, foreseeable and expected events.

Losses due to government restrictions, travel advisories or warnings.

Losses due to personal fear of travel.

Trips canceled due to fear of COVID-19.

Although impacted trips due to COVID-19 generally aren't covered, travelers might receive temporary accommodation under Delta’s Epidemic Coverage Endorsement.

For example, if you or someone in your travel group tests positive or is diagnosed by a physician as having COVID-19, you might be eligible for some benefits, like trip cancellation reimbursement.

» Learn more: Airline travel insurance vs. independent travel insurance: Which is right for you?

Delta international travel insurance cost

Plan rates for Delta trip protection vary based on the details of your trip — such as your destination and the total nonrefundable trip cost for all travelers — as well as your state of residence.

To get an accurate Delta travel insurance cost estimate for your upcoming flight with the carrier, use Delta’s trip protection quote tool online.

Delta also offers a window where you can cancel your trip protection plan and receive a full refund.

You must cancel your plan within 10 to 15 days of purchase (depending on your state). However, cancellations and refunds aren't available beyond this period or if you’ve already departed on your trip.

» Learn more: The best travel insurance companies

Is Delta trip protection worth it?

Ultimately, deciding whether Delta’s trip protection plan makes sense starts by assessing your risk tolerance.

If you purchased a nonrefundable flight ticket, reflect on how your finances would be affected if you had to cancel your trip and were unable to recoup the cost.

Conversely, consider your immediate finances and whether you have the budget to pay for Delta’s travel protection upfront.

On top of factoring in risk tolerance and costs, it’s a good idea to compare Delta’s coverage and limits against other travel insurance companies.

Although two different policies might offer baggage loss coverage, for instance, one might offer a maximum coverage of $500 while another covers up to $3,000. Likewise, emergency medical coverage can run from $10,000 up to $500,000 or more, depending on the policy.

» Learn more: Best credit cards for travel insurance benefits

Delta’s travel protection plan is a type of travel insurance that reimburses you for a portion of your travel expenses if you need to cancel a trip or you experience covered interruptions. It also provides other protections, like reimbursement of emergency medical expenses or lost baggage while traveling.

It can be purchased in conjunction with a Delta flight, either at the time of booking or as an add-on for existing reservations.

Delta travel insurance plans are underwritten by BCS Insurance Company or Jefferson Insurance Company, depending on the state you live in. Allianz Global Assistance is the administrator of the plans.

Yes, if you cancel within an eligible timeframe, you can receive a refund for the Delta travel insurance plan. You have 10 to 15 days after purchasing your plan (depending on your state of residence) to cancel and receive a full refund.

However, if you’ve filed a claim or have already departed on your trip, Delta’s trip protection can’t be canceled and is nonrefundable.

Before purchasing Delta’s trip protection for your next vacation, consider the existing insurance coverage you have elsewhere.

For a domestic trip, your health insurance coverage may extend to other states. You may also receive travel insurance benefits through your credit card, which would be activated if you use that card to pay for your trip.

Although Delta’s travel insurance includes many coverage categories, you could find that its coverage maximum amounts might not be sufficient for your needs.

The peace of mind of having travel insurance can be worth it. However, it’s wise to compare travel insurance policies to find the most coverage possible at a cost that’s reasonable for your budget.

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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℠.

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

Travel Insurance Review

Travel Insured International – Worldwide Trip Protector Plus

Editor review.

The Good: Offering very broad coverage for trip cancellation and interruption, this plan also comes with an unusual benefit: ‘interruption for any reason’ as well as ‘cancel for any reason’. High car rental coverage is included in the base plan, as well as good coverage for delays, missed connections, and baggage losses. Travel accident protection is also included in base plan and trips as long as 180 days are covered.

The Drawbacks:  Plans with $0 trip costs have reduced benefits.

The Bottom Line: It’s easy to see why this is Travel Insured’s most popular plan because it has high limits and inclusive benefits like pet protection, car rental coverage, and AD&D in the base plan. Optional coverage upgrades have simple and affordable per-person pricing, so it’s easy to know how much the coverage will cost right up front.

Get Travel Insured Quotes now

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Plan Details

This plan is unique in that it provides the following:

• High limits for emergency medical, evacuation and repatriation.
• ‘Cancel for any reason’ coverage for up to 75% of trip cost if purchased within 21 days of initial trip deposit
• ‘Interruption for any reason’ for up to 75% of trip cost.
• Covered reasons for trip cancellation are broad and include ‘cancel for work reason’, school year extensions, job loss, terrorist attacks at your destination, traffic accidents, hospitalization of destination host, pregnancies occurring after the plan effective date, and more.
• Purchase the plan within 21 days of initial trip deposit and you’re eligible for pre-existing medical conditions coverage.
• The renters collision benefit is higher than that offered by many plans.
• The baggage loss and baggage delay limits are relatively high when compared to other plans, as are the coverage limit for missed connections and travel delays.
• Plan includes political and natural disaster evacuation services.
• Travel Insured International’s worldwide travel assistance services include a high number of services, including translation services, meet and greet services, shopping assistance, emergency cash advances, and more.

Optional Coverage

The following optional coverage is available when you purchase this plan:

• Option to increase benefit limits for travel delays, missed connections and baggage coverage ($35 per person).
• Optional air flight only AD&D available up to the amount purchased.

Limitations

The following are the limitations on this plan’s coverage:

• Plans with $0 trip cost have reduced coverage. Specifically, return air only for trip interruption is limited to $1,000 if $0 trip costs is selected.

Related Travel Insured International Plans

• Worldwide Trip Protector
• Trip Protector Lite
• Airline Ticket Protector

Popular Companies

• Allianz Insurance
• CSA Travel Insurance
• Seven Corners Insurance
• Travel Guard Insurance
• Travel Insured
• Travelex Insurance
• TravelSafe Insurance

Learn about Travel Insurance

• Beginner’s Guide
• Coverage Guide
• Tips and Advice
• Company Reviews
• Types of Plans
• Types of Trips

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June 1, 2020

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

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

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• Travel Insured International
• Plan Detail

Plan details for the Travel Insured International

Worldwide trip protector policy.

Travel Insured International Worldwide Trip Protector

Provider: Travel Insured International

Plan: Worldwide Trip Protector

Certificate: View Certificate

Zero Complaint Guarantee: This provider complies with Squaremouth's Zero Complaint Guarantee

AM Best Rating: Underwritten by: United States Fire Insurance Company AM Best's Rating of: A (Excellent) Effective as of: 08/03/2023

Summary of Policy Benefits

Cancellation

• Cancel for Covid-19 Sickness: Included in Trip Cancellation & Interruption
• Trip Cancellation: 100% of the trip cost
• Trip Interruption: 150% of the trip cost
• Hurricane & Weather: Common carrier delay for 6 hours, Mandatory evacuation covered, Accommodation made uninhabitable, Hurricane warning conditionally covered, Must be purchased before storm is named
• Terrorism: Covered for foreign and domestic
• Financial Default: Covered after 14 day wait
• Employment Layoff: Covered, If employed for 1 continuous year
• Cancel For Medical Reasons: Included in Trip Cancellation and Trip Interruption
• Cancel For Work Reasons: Included in Trip Cancellation and Trip Interruption
• Cancel For Any Reason: Optional coverage, This benefit is separate from Trip Cancellation
• Interruption For Any Reason: Optional coverage, This benefit is separate from Trip Interruption
• Medical Coverage for Covid-19: Included in Emergency Medical
• Emergency Medical: $100,000 per person, Primary coverage
• Pre-Existing Condition: Covered if purchased within 21 days of trip deposit
• Medical Deductible: No Medical Deductible
• Medical Evacuation & Repatriation: $1,000,000 per person
• Non-Medical Evacuation: $150,000 per person

Loss or Delay

• Travel Delay: $1,500 per person, $200 daily limit, Covered after 3 hour delay
• Baggage Delay: $500 per person, Covered after 3 hour delay
• Baggage & Personal Items Loss: $1,000 per person, $250 per item, $500 specific items limit
• Missed Connection: $500 per person, Covered after 3 hour delay, Cruise and tour only

Accidental Death

• 24 Hour AD&D: $10,000 per person
• Flight Only AD&D: Optional coverage
• Sports & Activities: Covered, Limitations apply

Other Benefits

• Rental Car Damage: Optional coverage
• Money Back Guarantee: Free look up to 14 days after purchase
• 24 Hour Assistance Service: 24 hour assistance provided
• Identity Theft: Covered
• Additional Benefits: Concierge Services Coverage

The best travel insurance policies and providers

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

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

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

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

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

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

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

The best travel insurance providers

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

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

AIG Travel Guard

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

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

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

Preexisting conditions

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

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

Standout features

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

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

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

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

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

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

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

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

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

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

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

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

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

Purchase your policy here: American Express Travel Insurance .

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

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

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

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

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

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

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

Purchase your policy here: GeoBlue .

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

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

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

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

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

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

Purchase your policy here: IMG .

Travelex Insurance

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

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

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

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

Purchase your policy here: Travelex Insurance .

Seven Corners

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

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

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

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

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

Purchase your policy here: Seven Corners .

World Nomads

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

World Nomads offers two single-trip plans.

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

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

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

Purchase your policy here: World Nomads .

Other options for buying travel insurance

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

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

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

Is travel insurance worth getting?

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

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

What is the best COVID-19 travel insurance?

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

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

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

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

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

What are the different types of travel insurance?

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

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

Should I buy travel health insurance?

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

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

How much does travel insurance cost?

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

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

When and how to get travel insurance

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

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

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

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

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

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

Bottom line

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

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

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

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

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• Electronics
• Batteries and charging

The Best Travel Power Strips and Surge Protectors With USB Charging

By Sarah Witman

Sarah Witman is a writer focused on batteries and charging accessories. She has spent countless hours charging, discharging, and recharging batteries.

Wall outlets are in short supply on planes, trains, and buses—and in many airports and hotels—so packing a portable power strip is a must for frequent travelers.

Everything we recommend

Tripp Lite Protect It 3-Outlet Surge Protector

Best power strip for travel.

This compact strip gives you three AC outlets and two USB power ports but doesn’t take up much space in a bag or weigh you down. We don’t recommend it for international travel.

Buying Options

Tripp Lite Protect It 3-Outlet Travel-Size Surge Protector

Better surge protection with a cord.

This is the only portable option we tested with reliable surge protection. The 18-inch cord adds a little extra bulk but gives you more flexibility than models that plug directly into an outlet.

Allocacoc PowerCube ReWirable USB

Best for traveling abroad.

With four international plugs and a protection rating of 100 to 250 volts, this charger is a convenient option for overseas travel.

May be out of stock

After researching dozens of models and testing the top contenders, we’ve concluded that the best power strip for North American travel is the Tripp Lite Protect It 3-Outlet Surge Protector .

It has three outlets and two USB-A charging ports with adequate spacing for bulkier plugs, and it’s smaller and lighter than any other travel model we’ve tested.

This travel power strip has been our top pick every year since 2015. Although other companies use a similar design in their models, we've found that the Tripp Lite Protect It 3-Outlet Surge Protector offers the best capabilities at a price that’s usually lower than that of the competition.

If you prefer a power strip with robust surge protection and a cord, Tripp Lite’s Protect It 3-Outlet Travel-Size Surge Protector is the best choice.

It’s the only portable model we tested that clamps down on harmful power surges as effectively as full-size surge protectors . Other portable models we tested let more than twice as much surge voltage through, which could potentially damage anything plugged into them.

The third AC outlet on the back of this unit helps reduce plug clutter, and its right-angle plug lets it easily fit into tight spots.

If you travel outside of North America, we recommend the Allocacoc PowerCube ReWirable USB .

Two features make this model ideal for international travel: It’s rated for 100 to 250 volts, so it doesn’t need an additional voltage converter, and it comes with four interchangeable plugs to fit a wide variety of international wall outlets.

Plus, it has two USB-A ports like our other picks, and it provides four AC outlets instead of three.

The research

Why you should trust us, who this is for, how we picked and tested, our pick: tripp lite protect it 3-outlet surge protector, also great: tripp lite protect it 3-outlet travel-size surge protector, also great: allocacoc powercube rewirable usb, other good power strips for travel, what to look forward to, the competition.

Senior staff writer Sarah Witman has been a science writer for nearly a decade, covering a wide variety of topics from particle physics to satellite remote sensing. Since joining Wirecutter in 2017, she has reported on portable power stations , household surge protectors , and more.

Consulting engineer Lee Johnson , who has more than 10 years of experience designing and testing electrical components, performed our surge tests.

When you’re traveling, a portable power strip can be a lifesaver in places like airports and hotels, where wall outlets are often few and far between. A power strip that easily fits into a carry-on bag can mean the difference between enjoying fully charged devices en route or trying to stretch the last 10% of your battery over an hours-long flight.

Generally, a power strip is a device that merely adds extra outlets, whereas a surge protector is designed to absorb the voltage from commonplace power surges and keep them from frying your electronic devices. Surge protection is especially important if you’re traveling in places with an unstable power grid.

Most portable versions are surge protectors in name only and don’t provide a level of protection that we would trust, especially long-term. We’ve highlighted any models that have surge protection similar to what you can expect from a full-size surge protector .

If you aren’t worried about surges—and the damage they can cause to unprotected devices—and need only to charge USB-powered devices such as a phone, laptop, or handheld gaming console, you might prefer a multiport USB wall charger instead. Or you can skip wall outlets entirely and pack a high-capacity power bank .

For every round of testing, we scour the websites of popular retailers and brands, cultivating a list of contenders based on the following criteria:

• Size and weight: When you’re traveling, the most important factors to consider when you pack are size and weight. A power strip won’t serve you well on the road if it’s too bulky or too heavy to stick in a backpack or suitcase. So we give preference to lighter, more compact models, which in most cases eliminates models with more than three AC outlets and two USB ports.
• Outlet placement: We seek out models that maximize the number of devices you can plug in—even if those devices have big, blocky power bricks—and dismiss models with tightly spaced AC outlets.
• Plug design: We give preference to power strips with a plug that can retract or fold into the body of the unit, which makes the power strip easier to pack into small spaces and helps prevent the plug from snagging on surrounding items and damaging them. We also prefer models with grounded (three-prong) plugs, which reduce the risk of electric shock.

• Surge protection: Most portable power strips are too small to include meaningful surge protection. The joule rating on the box gives you some indication of how long a model will take cumulative surges, but not how much power could hit the gear you have plugged in. What really matters is how much voltage from a surge makes it through the outlets. In other testing, we’ve found that many electronics can survive a 400-volt hit—the amount that most home surge protectors let through when struck by a 5,000-volt surge. Most portable models, though, let through more than 1,000 volts. We call out models that can serve as true surge protectors, but if that’s your main concern, you need to invest in a larger option .
• USB charging: Since many devices and accessories charge via USB, we limit our search to power strips with USB ports, which helps reduce the number of wall warts you have to pack. We prefer that each port be rated for at least 2.4 amps—which is what most phones and tablets require to charge at full speed—but such ports are relatively rare. Most of the units we’ve tested split this current over two ports, which means that if you plug in two devices, they’ll each charge at less than half their maximum speed.

To test each model, we insert plugs of various shapes and sizes into the power strips, trying different combinations to see which outlet layouts can accommodate the most devices. We also take into account whether each model can be plugged into a two-outlet wall plate without obstructing the second outlet, and we assess its overall appearance.

Next, we test the charging capabilities of each USB port by plugging in a PortaPow USB Power Monitor along with an iPad Air 2, noting the monitor’s amperage reading. We then connect a second iPad to measure the total output while charging two devices.

Our consulting electrical engineer, Lee Johnson, tests each model with a 5,000-volt surge generator, which is capable of creating voltage surges 40 times the standard AC power in the US. He starts with a series of surges from 160 volts all the way up to 5,000 volts, recording the voltage at the outlet where you would normally plug in your devices. Then he subjects each contender to a series of five 5,000-volt surges and averages the outlet measurements to get the protected output voltage. These tests show that our picks can protect most devices in the face of common power surges—and even in rare surge events up to thousands of volts.

With three outlets, two USB ports, and a handy fold-up plug, the pocket-sized Tripp Lite Protect It 3-Outlet Surge Protector is the best and most portable power strip to pack for a trip.

It has lots of room for plugs. This power strip’s unusual design keeps all three outlets easily accessible, as they’re located on different faces—the front and either side. As a result, it can accommodate an impressive variety of plug shapes and sizes.

It’s small and light. At 4.5 inches long, 2.5 inches wide, and just under 1.5 inches deep, this power strip is one of the smallest of those we’ve tested.

It’s easy to fit into the pocket of a backpack or a carry-on suitcase, and the plug prongs fold away neatly when it’s not in use. You’ll barely notice the 5-ounce weight (which is about as heavy as a roll of pennies ) in your bag.

It’s sturdily built. In our testing, this power strip stayed firmly in the wall outlet with minimal wobbling, even with three bulky plugs and adapters plugged into it.

Not only does its stability help keep your devices charging at full power, but it’s also safer; a plug pulled partly out of an outlet can damage your electronics or start a fire.

It has a pair of USB ports, letting you charge two devices without an adapter. This power strip worked as advertised in our USB speed tests: Our first iPad drew up to 2.1 amps from a single port, and plugging a second iPad into the other port halved the current flowing to each device.

This means that your phone or tablet might charge more slowly than it would with its own charger or one of our favorite multiport USB chargers , especially if both ports are occupied. That isn’t optimal, but it is par for the course for this type of device.

It’ll likely last for years. Over the past five years, three Wirecutter editors have taken the Tripp Lite Protect It 3-Outlet Surge Protector on dozens of trips. After extensive use, the foldable plug of one unit got stuck in the “out” position, but otherwise the power strip has been trouble-free.

Flaws but not dealbreakers

• Because this power strip is rated for only 110-volt outlets, we don’t recommend using it internationally. Even if plugged into an international adapter, it is not a safe option, because most countries have 220-volt electrical grids.
• The manufacturer might call this device a surge protector, but we don’t—according to our tests, the included protection isn’t likely to save your gear. When we sent a 5,000-volt surge through this power strip, it let nearly 1,000 volts slip through to our attached devices. That’s far more than most electronics can handle without dropping dead. Also, its 540-joule rating is on the lower end, which means its surge protection is likely to wear off sooner than that of models with a higher rating, such as our pick with a cord or our home surge protector picks.

If you want robust surge protection on the go, or if you prefer a power strip with a cord instead of one that sits flush against a wall outlet, the Tripp Lite Protect It 3-Outlet Travel-Size Surge Protector is the model to get.

Its surge protection is far better than that of most units of this size. When we hit this model with repeated 5,000-volt surges, it let only an average of 447 volts through to the outlets. That’s close to the performance of our favorite home surge protectors , which let between 368 and 444 volts through in the same test.

Its protection is designed to last. Not only does this model provide better protection for each individual surge, but it also should handle more surges before wearing out. The protection circuitry inside is rated to take a cumulative 1,050 joules, or about twice the rating of our top pick.

It has a cord. Since this power strip has an 18-inch cord, it’s easy to plug into a standard wall plate without blocking the second outlet as other units typically do.

And because it has a right-angle wall plug, it can easily fit behind furniture—a bonus if you’re often plugging into obstructed outlets in hotel rooms, hostels, or short-term rentals.

It has three adequately spaced outlets. With two outlets on the front face and a third on the back, this model allows you to plug in at least one large power brick without blocking the other outlets.

It has two USB ports, but they’re not as powerful as we’d like. Similar to our other picks, this model includes two USB ports that supply up to 2.1 amps, and you can use each of them to charge a single device at full power or share them between two devices.

Most modern phones and tablets can fast-charge at more than 2 amps, so if you’re charging multiple devices simultaneously, you’re better off with a dedicated USB charger .

If you’re traveling outside of North America, get the Allocacoc PowerCube ReWirable USB : It works with 100 to 250 volts, so it can be safely plugged in pretty much anywhere in the world, and it has the most outlets among our picks.

It’s small and light. This model is a 2.5-inch cube that weighs just a little more than 7 ounces. It has one outlet on each of its four outside faces, plus two USB ports on the face opposite its own AC plug. This design ensures full access to each outlet for almost any size plug, without any of those plugs blocking the other outlets.

It can charge more devices at full power. Unlike most travel plug adapters , which often have just one outlet, this Allocacoc model’s four outlets are convenient for charging up to four devices as fast as possible (with a sufficiently powerful wall charger ). For instance, while working remotely on a two-month trip abroad, I found it invaluable to be able to charge a laptop, phone, power bank, and wireless headphones at the same time—and still have two USB ports to spare.

The USB ports share the available 2.1 amps, much as on our other picks.

It’s perfect for international travel. The PowerCube ReWirable USB includes four interchangeable AC plugs to fit Australian, European, UK, and North American (including the US, Canada, and Mexico) outlets .

There are a lot of pieces to keep track of. The plugs are easy to swap in and out as needed, and because they push the cube away from the wall, the wall plate’s second outlet remains accessible for most plugs and power bricks. However, the extra plugs are easy to misplace, so we recommend getting a designated bag organizer to keep track of them.

Don’t count on this model to provide surge protection. The PowerCube ReWirable USB is not advertised to provide any surge protection, but we tested it in that respect anyway, and it knocked 5,000-volt surges down to the same 900- to 1,000-volt range as our top pick. (That is to say, the surge protection is minimal, and we wouldn’t rely on it for that purpose.)

If you want lots of outlets and ports, plus a long cord: Get the Anker 331 Power Strip A9166 . It has more outlets (six) and USB ports (three) than any of our picks. Its 5-foot cord is as long as that of any corded power strip we tested, and an included hook-and-loop cable tie helps keep it neatly coiled in your luggage.

It’s also the heaviest model we tested, weighing just shy of a pound (15.7 ounces), but it’s still about as sleek and compact as any of our picks.

Its surge protection is lackluster but no worse than that of our picks—we wouldn’t make any of them a permanent fixture at home.

Anker’s 18-month warranty falls short of the lifetime and two-year warranties that cover our picks, but it should still give you plenty of time to confirm that your unit is working properly.

We have a new round of testing scheduled for spring 2024 in which we’ll be testing the following models against our current picks:

• Anker A9139
• Anker A9183
• Bestek MRJ201GU-EU-P
• Ceptics World Power Plug Adapter Set (PK8-WS)
• Ceptics World Travel Adapter Kit (WPS-5B)
• Greatness Line GR-8 Power Travel Charging Station

This is not a comprehensive list of models we’ve tested. We have removed discontinued models and those that no longer meet our criteria.

Belkin’s BZ103050-TVL and BST300bg are seemingly identical models with a swiveling plug that you can rotate out of the way of a wall plate’s second outlet. This design is convenient in theory, but we found that the mechanism frequently gets stuck. Both models are also significantly larger and heavier than our top pick .

The CyberPower P405UC has four outlets, two USB-A ports, and (unlike any of our picks) a fast-charging USB-C port. Its 5-foot, fabric-sheathed cord is longer than that of our corded pick , but it has a shorter warranty and is heavier and clunkier.

The Mogics Power Bagel (MPB-AB) has more outlets than our pick for international travel , and it has a retractable cord as well as an innovative design that allows you to pack up the international adapters inside the body of the unit. However, it typically costs more than our international pick, and in our testing it didn’t provide any surge protection at all.

The RND Power Solutions Wall Power Station is bulkier than our top pick , and its outlets are too close together.

The GE 33654 has a longer cord (3 feet) and one more outlet (four) than our pick with a cord , and it weighs about the same as that model. However, it provides less surge protection, and its blocky shape makes it less convenient to stow in a suitcase.

The Ceptics World Travel Adapter Kit and the Tripp Lite Safe-It International Universal Wall Travel Charger each weigh less than the Allocacoc PowerCube ReWirable USB , and the Tripp Lite model has a longer warranty (lifetime as opposed to two years). But they have just two outlets apiece, and both models performed abysmally in our surge tests.

This article was edited by Ben Keough and Erica Ogg.

Meet your guide

Sarah Witman

Sarah Witman is a senior staff writer who reports on powering and charging technology for Wirecutter. She previously worked as a writer, editor, and fact checker for several science magazines. Though she researches and tests chargers for a living, her phone battery is usually low.

Further reading

The Best Surge Protector

by Sarah Witman

Tripp Lite’s Protect It 12-Outlet Surge Protector TLP1208SAT absorbs thousands of volts so they won’t fry your gear, and it helpfully lets you know when its protection wears out.

The Best Portable Solar Battery Charger

The Allpowers SP012 Solar Panel 100W is the best choice for charging a phone and other essential devices in the great outdoors.

The Best Lap Desk

The LapGear Designer Lap Desk is comfy, stylish, sturdy, and roomy. Plus, there’s extra storage for your phone and other supplies.

How to Buy Better Charging Accessories in a Pinch

by Elissa Sanci

When it comes to the gear you rely on to power your devices, you shouldn’t skimp on quality.

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Electrician Apprentice HQ #1 Online Resource For Becoming An Electrician

Best International Travel Surge Protector: Top 6 of 2024 Reviewed

Thomas Hawkins September 3, 2020

Last updated on February 28th, 2024.

When you’re traveling around the world, the last thing you want to worry about is your electronics blowing up from an electrical surge.

At home this would be a frustrating inconvenience… but while traveling internationally this has the potential to be devastating.

An excellent travel surge protector has a high joule rating, plenty of international adapters, and multiple sockets.

On the other hand, a faulty travel surge protector is a dangerous and expensive waste of money. It doesn’t make much sense to buy a surge protector that doesn’t actually protect your electronics, and it can hard to find a new one when you’re in a foreign country.

So to help you separate the good from the defective – we reviewed the Best International Travel Surge Protectors of 2024 .

Buy with the confidence that you’re buying one of the top international travel surge protectors on the market.

Let’s dive into the reviews.

Top 7 Best International Travel Surge Protectors

What to look for in a travel surge protector.

When yo u’re on the move, a reliable surge protector is a must-have to safeguard your electronics. Let’ s dive into the essential features you should consider to find the perfect one for your travels.

Number of Sockets

Running out of power sockets can be a real hassle, especially with surge protectors, where every outlet counts. It’s crucial to plan and determine how many sockets you’ll need to avoid any unpleasant surprises.

You could go with a multi-plug extension lead, but that’s going to cost more and take up more area, which isn’t best. So make sure you map out the range of sockets required prior to you buy your travel protector.

Safety Rating

Navigating through various safety standards can be daunting. For travel surge protectors, focusing on the UL (Underwriters Laboratories) standard ensures you’re getting a device that meets rigorous safety criteria.

UL is among a number of companies approved to perform safety screening by the U.S. federal company Occupational Safety and Health Administration (OSHA). OSHA has a list of approved screening laboratories , which are recognized as Nationally Recognized Testing Laboratories.

Even within UL though, there are a lot of safety requirements that might use. For correct travel surge protection, you’re primarily want to be looking at the UL 1449 security requirement.

UL 1449 is the Underwriters Laboratories Safety Standard for Surge Protective Devices (SPD)– i.e. best for travel surge protection.

So ensure your international travel surge protector validates to UL 1449.

EMI/RFI Noise Filtering

EMI = Electromagnetic Interference , while RFI = Radio Frequency Interference . Although these terms are utilized interchangeably, they’re technically not the same thing. For the functions of travel surge protection though, we can treat them alike.

Lots of filters– e.g.  low pass filters , high pass filters , or band pass filters – just enable certain kinds of frequencies through, suggesting a set range of EMI/RFI emissions will be transmitted to the gadget being protected.

This is because particular EMI/RFI emissions will not interfere with the performance frequencies of various electric and electronic devices.

So the goal of EMI/RFI is noise filtering is to get rid of electro-magnetic and radio frequency interference that will disrupt the international travel surge protection.

So search for international travel surge protectors that have EMI/RFI emissions.

Clamping Voltage

Clamping voltage refers to the maximum amount of voltage that can pass a surge protector prior to it restricts additional voltage from passing to the gadget it is trying to safeguard.

For instance, an international travel surge protector may restrict a 6,000 V surge so that only 600V is ‘noticeable’ to the load. Thus here the clamping voltage for this travel surge protector is 600V.

An overly high clamping voltage means the surge protector could let through more voltage than your devices can handle, risking damage. It’s vital to choose a protector with a suitable clamping voltage for your gear.

Check the optimum rated voltage of your travel prior to buying a surge protector, so make sure that the clamping voltage of your international travel surge protection device is LOWER than the maximum operating voltage of your travel.

In general though, the clamping voltage should be LESS than 700V for a travel surge protector.

Joule Rating

The joule rating refers to how much energy your international travel surge protector can soak up. A higher joule rating equals better protection.

So how many joules of surge protection do you need? The response depends upon what you’re safeguarding. Are you protecting a PC, travel, or even a whole home? Your response will inform you what kind of joule rating you’re trying to find.

Here are some rough joule rating standards:

• A system with up to 1000 joules of surge protection suffices for little electronics.
• A surge protector with 1000 to 2000 joules will offer adequate protection for office devices and power tools.
• Consider the highest joule rating (2000+) for expensive video gaming consoles, home theater systems, and any computer that saves crucial information. Anything that is really pricey or irreplaceable.

So for your travel surge protector, a joule rating less than 1000 will suffice for small electronics. If you’re got a really pricey laptop or gaming PC to protect, consider 1000 to 2000 joules instead.

Diagnostic LEDs

It would be best if you had a method to confirm that your international travel surge protector is working– and that’s what diagnostic LEDs are for.

Look for international travel surge protection that includes diagnostic LED lights that verify power, protection and line fault status at a look.

A comprehensive warranty is not just peace of mind but also an indication of the manufacturer’s confidence in their product. Opt for a surge protector backed by a substantial warranty for added security.

Not just for the apparent reason that if something goes wrong, you’ll have the ability to make a claim, but for the signal that a long warranty suggests about the quality of the travel surge protector (or rather, the confidence the provider has for the travel surge protector).

If suppliers provided generously long guarantees for international travel surge protectors that folded after 2 weeks, they would not be around for long.

So you want to long for longer warranties and high insurance payments on your travel surge protector (from companies that have actually been around for more than 5 years).

Related Surge Protector Reviews

• Best Whole House Surge Protector
• Best Surge Protector for Refrigerator
• Best Surge Protector for Washing Machine
• Best Wall Mounted Surge Protector
• Best Surge Protector for Gaming PC
• Best Single Outlet Surge Protector
• Best Surge Protector for Garage Door Opener
• Best Surge Protector for Air Conditioner

About Thomas Hawkins

Best Face Shield: Top 6 of 2024 Reviewed

Last updated on February 29th, 2024. A face shield is the best way to get …

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AIG Travel Guard insurance review: What you need to know

Whether you need an annual plan or a policy for a last-minute trip, travel guard can deliver..

Travel Guard is one of CNBC Select 's picks for best travel insurance , thanks to its wide range of customizable policies. But are any of them right for you? Below, we review the provider and its offers and how they compare to the competition to help you choose the right travel insurance for your next trip.

Travel Guard review

Other insurance offered, how it compares, bottom line, travel guard® travel insurance.

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

Policy highlights

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

24/7 assistance available

• A variety of plans are available to help cover different types of trips
• Not all products are available for purchase online

Travel Guard® is a global travel insurance provider specializing in plans for leisure and business travelers. Its online travel insurance packages include five options, from basic and last-minute trip coverage to more comprehensive plans. This allows travelers to pick a plan that best matches their situation.

For example, budget-minded travelers might go for the Essential Plan which offers basic protections, such as trip cancellation, interruption and delay insurance, coverage for lost, damaged and delayed baggage, and medical, evacuation and death coverage.

On the other hand, the Deluxe Plan — the most comprehensive option — adds such extras as missed connection coverage, security evacuation, travel inconvenience benefits and more. It also boosts high limits for essential coverages.

Last-minute travelers can opt for the Pack N' Go Plan which only includes certain post-departure coverages. Or, if you travel often, the Annual Plan can cover your trips throughout the year.

Finally, Travel Guard offers "offline" travel insurance packages, meaning you'll have to call if you're looking for a specialty plan.

Coverage types

Depending on the plan, here are the types of protection Travel Guard can include in your package:

• Trip cancellations
• Trip interruption
• Baggage coverage
• Baggage delay
• Travel medical expenses
• Travel inconvenience benefits (reimbursement for such situations as runway delays, cruise diversion and other unforeseen situations)
• Medical evacuation
• Trip Saver (reimbursement for meals, hotels and transportation if you need to begin your trip sooner due to weather or airline changes)
• Trip exchange (reimbursement in case you have to cancel your trip and book a new one due to covered unforeseen circumstances)
• Security evacuation (due to a riot or civil disorder)
• Flight guard (coverage for accidental death or dismemberment that occurs when traveling by plane)
• Pre-existing medical conditions exclusion waiver

You can also customize your plan with add-ons, such as car rental insurance and "cancel for any reason" coverage .

Travel Guard landed on our list of the best travel insurance companies thanks to its variety of coverage. With plenty of options to choose from, both online and offline, it's easy to build a policy that meets your needs.

Travel Guard also features 24-hour concierge services that you can use to book a new flight in case of an emergency or delay.

The provider's website also offers informational resources — here, you can check travel news, read safety tips and find general travel advice. Additionally, the website lets you modify your plan, file a claim and check its status, or apply for a voucher or refund.

As of writing, Travel Guard doesn't offer any discounts. That's common for travel insurance — you're more likely to find deals when shopping for other types of insurance, such as home and auto insurance .

Travel Guard is a portfolio of travel insurance and travel-related services offered by AIG Travel, a member of American International Group (AIG). AIG also offers life insurance and a variety of business insurance products.

Travel Guard makes it easy to get a travel insurance policy customized to your needs. But before you purchase coverage, it's always a good idea to shop around.

For example, if you're going on a cruise, you might want to look at Nationwide Travel Insurance . The provider advertises cruise-specific insurance with three plan options available. This type of coverage is designed with issues unique to cruises in mind — from ship-based breakdowns to missed pre-pard excursions.

If you're planning a more active trip filled with rock climbing or sky diving, Berkshire Hathaway offers the AdrenalineCare® plan which features coverage for unforeseen costs that result from participating in extreme sports on your trip, as well as reimbursement for sporting equipment delay. Pre-existing conditions are covered under this plan (if you meet qualifying conditions).

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

As you can see, offerings vary by provider. It can be helpful to compare multiple companies and the plans they offer to find what works best for you. It's even better if you gather several quotes to ensure you're getting a good price for your policy.

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Travel Guard offers plenty of ways to customize your policy, making it a solid choice for travel insurance. You can also access additional options by giving Travel Guard a call. However, make sure to check out other travel insurance companies too — comparison shopping is essential when picking any type of financial product.

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