concord travel insurance

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

9 Best Travel Insurance Companies of 2024

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

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

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

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

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

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

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

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

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

SEE FULL REVIEW »

Annual and multitrip policies are available

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

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

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

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

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

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

More limited coverage for baggage issues than other companies

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

Travel insurance policy coverage is tailored to your specific trip

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

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

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

Limited trip cancellation coverage even at the highest tier

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

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

Cancel for any reason coverage costs extra

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

Generous emergency medical and emergency evacuation coverage

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

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

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

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

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

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

Travel Insurance Types: Which One Is Right for You?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Why Trust U.S. News Travel

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

You might also be interested in:

Carry-on Luggage and Personal Item Size Limits (2024)

Amanda Norcross

Just like checked bags, carry-on luggage size restrictions can vary by airline.

Bereavement Fares: 5 Airlines That Still Offer Discounts

Several airlines offer help in times of loss.

The Best Way to Renew a Passport in 2024

The proposed online passport renewal system is behind schedule.

The Best Carry-on Luggage of 2024

Erin Evans and Rachael Hood and Catriona Kendall and Amanda Norcross and Leilani Osmundson

Discover the best carry-on luggage for your unique travel style and needs.

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

AIG Travel Guard Insurance Review: What to Know

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

Table of Contents

Coronavirus considerations

Travel insurance plans offered by aig travel guard, how to buy a travel guard policy, additional travel insurance options and add-ons, what’s not covered by a travel guard plan, who should get a travel guard insurance policy, travel guard, recapped.

Travel Guard by AIG

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

As one of the world’s largest insurance companies and with a 100-year history, it makes sense that AIG would offer travel insurance. AIG’s travel insurance program, called Travel Guard, provides a number of coverage options to offer peace of mind on your trips.

Travel insurance helps you get some money back if anything goes wrong on your trip. If you’re thinking about buying coverage for an upcoming trip, first look into the coverage you may get from your travel credit cards . Many basic protections are offered on cards that you may already have.

If you’re looking for additional coverage, AIG travel insurance is a solid choice. Consumers Advocate rated AIG’s plans at 4.4 stars out of 5 stars.

» Learn more: The majority of Americans plan to travel in 2022

Importantly, if you catch COVID-19 before or during your trip, you will be covered under Travel Guard’s trip cancellation benefit. If you become sick with COVID-19 during the trip, the medical expenses and trip interruption benefits will kick in. However, Travel Guard considers COVID-19 a foreseen event and as a result, certain other coronavirus-related losses may not be covered. Given the constantly evolving travel environment, review the Travel Guard’s coronavirus coverage policies so that you’re award of what is and isn’t covered.

Here’s what you need to know about AIG's Travel Guard insurance plans.

AIG travel insurance’s Travel Guard plans cover you if you need to cancel (or interrupt) your trip due to illness, injury or death of a family member. Inclement weather that causes a trip delay or cancellation is covered by all Travel Guard policies as well.

Travel Guard offers three main AIG travel insurance plans, plus a host of add-on options. Here are the most essential benefits:

Travel Guard Essential - The most basic level of coverage

Covers 100% of the cost of your trip if it gets canceled or interrupted due to illness.

Includes a $100 per day reimbursement for any delays in your trip (max $500 total).

Covers up to $15,000 in medical expenses ($500 dental), plus a $150,000 maximum for emergency medical evacuation.

Covers up to $750 in compensation for stolen luggage and a maximum of $200 if your bags get delayed by more than 24 hours.

Travel Guard Preferred - This midlevel plan gives many of the same basic coverages as the Essential, but at higher levels.

Trip cancellation pays out at 100%. If your trip gets interrupted, you’ll get 150% of the cost of the trip.

Trips delayed by more than five hours will get you up to $800 ($200/day).

You’ll be covered up to $50,000 for medical expenses ($500 dental) and up to $500,000 for emergency evacuation.

This plan offers $1,000 for lost or stolen bags and $300 for baggage delays longer than 12 hours.

Travel Guard Deluxe - The biggest benefits can be found in this highest level plan.

Like the Preferred, you’ll get 100% coverage for trip cancellation and 150% of the cost of your insured trip in the event of a trip interruption.

Up to $1,000 ($200/day) for a trip delay of five hours or more.

Up to $100,000 for medical expenses ($500 dental), $1,000,000 for emergency evacuation and $100,000 in coverage for a flight accident.

Coverage for lost or stolen bags jumps up to $2,500 and $500 for baggage delay of more than 12 hours.

A long list of "Travel Inconvenience Benefits" are also included (such as runway delays, closed attractions, diversions, etc.)

This plan also offers roadside assistance coverage for the duration of your trip, which isn't included in the other two plans.

» Learn more: How to find the best travel insurance

Travel Guard’s website is simple to navigate and provides instant quotes that clearly spell out what's covered. You’ll need to enter basic information about the trip you want coverage for, including:

Destination.

How you’re getting there (airplane, cruise or other).

Travel dates.

Your home state.

Date of birth.

How much you paid for the trip.

The date when you paid for the trip.

Once you answer the questions, you’ll instantly get price quotes for different options of insurance for your trip. Each column clearly shows what’s covered for all options in a long list, so you can quickly compare.

This example shows options based on a two-week $5,000 trip to Spain for someone who is 40 years old. In this case, the mid-tier plan costs about 6% of the total trip cost.

It’s also important to know that plan offerings change based on what state you live in; not all states are covered.

If you purchase a Travel Guard plan and need to file a claim, you can do it on their website or by calling (866) 478-8222. You can also track the status of the payment of your claim on the site.

If you’re planning multiple trips that you would like covered, look at Travel Guard’s Annual Travel Insurance Plan. This 12-month option covers multiple trips and could save you money over insuring each trip separately.

Another option is the "Pack and Go" plan, which is a good choice if you’re going on a last-minute getaway and don’t need trip cancellation protection.

There are also options to add rental vehicle damage coverage, Cancel For Any Reason coverage, and medical and security bundles to the plans. You’ll be able to select these add-ons when you’re purchasing a policy.

» Learn more: Cancel For Any Reason (CFAR) travel insurance explained

While the Essential, Preferred and Deluxe plans all offer varying degrees of coverage for your trip, there are some things that won’t be covered by any of the plans. Here are a few highlights of things that aren't included; you’ll find full lists on each policy:

Coverage for trips paid for with frequent flyer miles or loyalty rewards programs: Travel Guard will only protect the trips you pay for with cash. If you’re redeeming your points for that bucket list trip, unfortunately, you won’t qualify for coverage. However, the cost of redepositing miles back into your account is covered.

Baggage loss for eyeglasses, contact lenses, hearing aids or false teeth: These items should be kept with you in your carry-on as a general rule, since a Travel Guard policy won’t cover them.

Known events: If you knowingly book a trip with some inherent risks, it won’t be covered. For example, once the National Weather Service issues a warning for a hurricane, it becomes a known event. Once COVID-19 became a pandemic, it was categorized as a foreseeable event and was no longer covered. You can cancel the policy you purchase up to 15 days prior to your trip to receive a refund for the premium paid.

» Learn more: Does travel insurance cover award flights?

Many trips may be sufficiently covered by your credit card benefits, but you should do research to see which cards provide the best options (and remember to use that card to book the trip).

However, if you’re planning major international travel or embarking on a big cruise trip, Travel Guard's Preferred and Deluxe plans may offer better coverage than your credit card. Overall, Travel Guard plans offer a variety of coverage options with an easy-to-navigate website that could be a good fit for your next trip.

If you’re not finding what you’re looking for with a Travel Guard plan, check out an insurance comparison site like Squaremouth, where you will have a lot of different plan options to choose from.

» Learn more: Is travel insurance worth it?

Travel Guard offers several trip insurance plans with varying degrees of coverage. Some plans also allow you to purchase optional upgrades such as CFAR and auto rental coverage. Plan availability differs by state, so make sure you input your trip details to see what plans are available to you.

If you have a premium travel credit card, you may already have some elements of travel insurance coverage included for free. Before you decide to purchase a comprehensive policy, check what coverage you may already have from your credit card.

Travel Guard’s insurance plans offer trip cancellation, trip interruption, emergency medical coverage and evacuation, baggage delay, baggage loss, and more. Some policies may also allow you to add on benefits like Cancel For Any Reason and car rental damage coverage.

If you need to cancel your trip for a covered reason (e.g., unforeseen sickness or injury of you or your family member, required work, victim of a crime, inclement weather, financial default of travel supplier, etc.) you will be covered. To see the whole list of covered reasons, refer to the terms and conditions of your policy.

To get a refund, you will need to file a claim by either calling (866) 478-8222 or submitting it online at its claims page . You may be required to provide verifying documentation to substantiate your claims so keep any receipts that you intend to submit. You can also check the status of your claim at any time on Travel Guard’s website .

The Cancel For Any Reason optional upgrade is available on certain Travel Guard plans. Travel Guard’s CFAR add-on allows you to cancel a trip for any reason whatsoever and get 50%-75% of your nonrefundable deposit back as long as the trip is canceled at least two days prior to the scheduled departure date.

To get a refund, you will need to file a claim by either calling (866) 478-8222 or submitting it online

at its claims page

. You may be required to provide verifying documentation to substantiate your claims so keep any receipts that you intend to submit. You can also check the status of your claim at any time

on Travel Guard’s website

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

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

• Best overall
• Best for expensive trips
• Best for exotic trips
• Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

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

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
• con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
• con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
• Trip cancellation for 100% of the trip cost
• Trip interruption insurance for up to 150% of the trip cost
• Emergency medical coverage of up to $250,000 per person
• Medical evacuation coverage of up to $1,000,000

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

• Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

• Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
• Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

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.

**Enrollment required.

• Main content

Isenhour-Allen Insurance

• Concord Office: (704) 795-7801
• Salisbury Office: (704) 633-2011

Home > Insurance Services > Personal Insurance > Travel Insurance

Travel Insurance

If you are planning a journey to a foreign land, it is time to consider travel insurance. When out of the USA, various unexpected events could occur – and you need to be prepared. What type of travel insurance do you need? A conversation with one of our friendly team members at Allen and Ballard Insurance Associates in Concord, North Carolina, can help you get the travel insurance that makes sense in your situation.

Those who frequently travel outside the USA need travel insurance to protect against losses. There are several travel insurance plans available, each covering specific issues. Some plans cover the cost of trip cancellation, while others bring more extensive protection, including emergency medical care, medical transportation costs, trip delay protection, the cost of baggage replacement, rental car insurance, and travel assistance hotline services to address any problem that could arise.

Business travelers often have specific needs and may be carrying expensive equipment, samples, or other items. Should these items be lost, the cost of replacement could be staggering. Business equipment coverage is often needed in this situation.

For the casual traveler who is taking the opportunity to have a getaway to a foreign land, travel insurance can provide you with an added layer of protection against unforeseen circumstances. No one wants to face the need for medical assistance while overseas, but if it happens, you want to ensure you can get the treatment you need, no matter where you are. Lost baggage? Sadly, you could be left buying new luggage, clothing, and everything else you need for your trip. You will be glad you took the extra step to buy travel insurance, as these costs are covered, up to the limits set in your policy.

Planning a trip? Call us today so we can find the best travel insurance policy for you and your family. We are on-call, local, and ready to help.

I can’t say enough about how friendly and professional they are.

Incredible customer service and range of products i highly recommend, great prices. the staff is always friendly, knowledgeable, and dependable., they are a great company to work with. they get customer service, very nice, helpful and professional..

Capital One Main Navigation

• Learn & Grow
• Life Events
• Money Management
• More Than Money
• Privacy & Security
• Business Resources

Is travel insurance worth it?

April 30, 2024 | 2 min read

Planning a trip and wondering if you need a travel insurance policy? Keep reading to learn more about travel insurance to decide whether it’s right for you.

Key takeaways

• Travel insurance can provide financial protection if things go wrong before or during a trip.
• You might get travel insurance to cover potential losses from trip cancellations or delays, lost baggage or medical issues.
• Factoring in details specific to your trip and balancing with existing coverage might help you decide whether travel insurance is right for you.

Earn 75,000 bonus miles

Redeem your miles for flights, vacation rentals and more. Terms apply.

What does travel insurance do?

Travel insurance is a type of specialized protection that might help protect against financial losses from airline delays, medical issues or other unexpected occurrences. Some travel insurance plans focus on specific things, like lost baggage or health care. Others offer a wide range of benefits under a single plan. It’s a good idea to make sure you understand the terms and conditions, because coverage varies.

When might travel insurance be beneficial?

Some of the situations where it can help to have travel insurance include:

Interruptions and cancellations

Trip delay insurance covers food and lodging expenses if you experience an airline delay. Trip cancellation insurance can reimburse your prepaid costs if an illness forces you to cancel entirely.

Baggage issues

Baggage loss coverage can reimburse you if your luggage is lost, stolen, damaged or delayed.

Medical emergencies

Travel health or medical insurance can cover everything from medication to emergency medical evacuation if you become sick or injured when traveling abroad .

When might travel insurance be unnecessary?

There’s no right or wrong time for travel insurance. It depends on your circumstances. But when deciding whether travel insurance is worth it, you can consider things like:

• Type and length of trip: If the trip’s refundable, you might not need extra protection. And a short or cheap trip might not be worth the cost of coverage.
• Your existing coverage: Check existing policies and agreements. If you have coverage through your health insurance provider, credit card issuer or card network, you may not need more.

Considering travel insurance in a nutshell

Travel insurance can offer peace of mind if anything goes wrong before or during a trip. But it may not always be worth it. If you’re considering travel insurance coverage, looking at your situation, your trip and the terms and conditions of your existing insurance policies could help you determine whether the benefits outweigh the costs.

If you’re interested in getting insurance coverage from a credit card, you can check out the benefits that come with Capital One rewards credit cards .

Related Content

How does travel insurance through capital one cards work.

article | December 14, 2023 | 6 min read

All about booking with Capital One Travel

article | 7 min read

Are travel credit cards worth it?

article | January 9, 2024 | 7 min read

System Status: 

• Travel & Entertainment
• Travel Expenses and Reimbursements

Travel Policy

Use these resources to review Concur Travel and Policy.

CONCUR.UCSD.EDU

Concur.ucsd.edu is UC San Diego's official booking site for all business travel, including employees and guests. Employees can also use Concur to book personal travel!

• Attended the XYZ Conference to present our research findings and collaborate with other investigators in the field of XYZ.
• Trip to assist colleagues in training preparation and observe provider training for research purposes.
• The traveler flew from Chicago since they were there for personal time (comparable airfare attached). They then flew to Paris to meet with a potential donor and flew to Berlin to present at the XYZ Conference before returning to San Diego.
• Travel from San Diego to Orlando Florida for conference (insert conference name) to bring professionals together from across the country to share ideas and create connections.
• Invited to the ABC Conference as the keynote speaker in City A. We then learned of an unexpected opportunity to meet with a potential donor in City B thus needed to purchase last minute airfare which was slightly higher in cost due to the lack of advanced notice.
• Traveled to New York for donor cultivation to meet with Mr. and Mrs. ABC for substantial campaign funding for art at UC San Diego. Redacted medical note included for airfare.

Concur Travel features

• Access to centrally-billed cards for airfare and local hotel, eliminating out-of-pocket costs and reimbursement wait times
• Negotiated benefits and savings with all of our travel partner suppliers for airfare, hotel, and rental cars
• Automatic enrollment in UC’s traveler insurance program, covering a wide range of incidents and accidents across the globe
• Reservations and receipts flow directly into Concur Expense for smooth reconciliations
• Policy compliance built into the booking tool
• Ability to earn and use your own personal loyalty program rewards
• Increased visibility to University travel spend, minimized unused tickets, and rich data reporting to maximize savings
• Free TripIt Pro app, making travel itinerary management a snap

Get started

Review Travel Policy . Follow along with the  Travel Process checklist to  navigate the travel pre-authorization, booking, and reconciliation process.

How Concur works

Concur is a secure platform for booking university business travel. It automatically applies UC-negotiated prices with airlines, hotels, and car rental companies. Learn more about Concur here .

UCSD prepays airfare booked in Concur and purchases will automatically display in the employee's Available Expenses. Your travel profile stores your UCSD Travel and Entertainment Card for hotel and rental car expenses.

Make Travel & Entertainment Easier

Travel & entertainment card.

Travel & Entertainment payments simplified! With UC San Diego’s new T&E Card program all transactions are automatically paid and flow into Concur for a streamlined reconciliation process. Eliminates out-of-pocket expenses!

Enroll Today!

Temporary Virtual Card

The Travel & Entertainment - Temporary Virtual Card (T&E-TVC) is a short-term, interim payment option for UC San Diego employees or for guest travelers who do not have access to the Travel & Entertainment Card.

Learn more here

Concur Mobile App

Keep track of your expenses and stay productive anytime – from anywhere! You'll enjoy the rich functionality of the Concur solution you already use from the comfort of your own phone.

TripIt Pro App

UC San Diego employees are eligible for a free TripIt Pro subscription. With TripIt Pro, get a heads-up as things happen throughout your trip, benefits of instant itineraries and easier expense reports. You'll also receive helpful updates and reminders so you never miss a beat! Log in to Concur - Click on the App Center tab to find specific download instructions.

Log in to Concur

TRAVELSMILES - SINGLE TRIP

Enjoy a worry-free vacation trip with our TRAVELSMILES.

The comprehensive coverage of this plan will allow you to leave your worries behind.

Cover the medical expenses arising from sickness or accident during the trip & follow-up treatment expenses. 

Single Trip Cover has no age limit. Well-covered for insured of all ages.

Provides 24-hour Worldwide Emergency Assistance Service to help you solve unexpected events during your journey.

• The applicant must be aged 18.
• The applicant and the insured person(s) must be the citizen(s) or resident(s) of the Hong Kong.
• The insured person(s) during the Insured Journey do/does not work as a crew member or an operator of air carrier, tour guide or escort, artist or singer or perform any other excluded duties specified in the Policy Wording.
• The Policy is solely for leisure travel or business travel (limited to administrative and clerical works only).
• The maximum travel period of each Insured Journey is 180 days.
• For Insured Journey that is not commenced from Hong Kong, the travel arrangements must be made and paid in Hong Kong.
• The Policy is non-cancellable and non-refundable once it is issued.
• Adult : 18 years old or above
• Accompanied Child : Below 18 years old Benefits: 50% of the selected adult plan

Major Exclusions

War invasion, act of foreign enemy, hostilities, civil war, rebellion, insurrection, revolution, usurped power, military force or coup, or action taken by government authorities in hindering, combating or defending against such an occurrence (including Terrorism).

*The coverage features above are indicative only. *Please refer to full policy documents for detailed terms & conditions, exclusions, benefit table and premium in Quote Now .

June 1, 2020

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

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

Ukraine; Belarus; Moldova, Republic of; North Korea, Democratic People's Rep; Russia; Israel

This is a test environment. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site.

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

Get a Quote

Last-minute cancellations. Travel delays. Rental car accidents. When the unexpected happens, you can rely on Allianz Travel Insurance to help make things right.

Whether you're planning a road trip, camping getaway or vacation rental, a OneTrip plan can help you journey there  — and back  — with confidence.

Get affordable protection for all your trips — family vacations and weekend getaways alike — for a full 365 days.

Enjoy peace of mind on your next road trip. Get robust rental car coverage for a fraction of what you'll typically pay at the rental counter.

{{travelBanText}} {{travelBanDateFormatted}}.

{{annualTravelBanText}} {{travelBanDateFormatted}}.

If your trip involves multiple destinations, please enter the destination where you’ll be spending the most time. It is not required to list all destinations on your policy.

Age of Traveler

Ages: {{quote.travelers_ages}}

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

Travel Dates

{{quote.travel_dates ? quote.travel_dates : "Departure - Return" | formatDates}}

Plan Start Date

{{quote.start_date ? quote.start_date : "Date"}}

Why Do I Need Travel Insurance?

Because your trip is too important to leave to chance. For a small fraction of your trip costs, you can count on travel insurance to save the day when things go awry.

• If you have to cancel your trip for a covered reason, travel insurance can reimburse you for your prepaid, non-refundable trip costs. Without insurance, you could lose the money you paid for your vacation rental, car rental, hotel, flights and more.
• If you experience a covered medical emergency , travel insurance can help ensure you get high-quality care and reimburse you for covered medical costs. Without insurance, you may have to pay out of pocket.
• If your rental car gets damaged, lost or stolen , travel insurance can pay for the loss. Without insurance, you could get hit with a huge bill.
• If you face an unexpected crisis, travel insurance connects you to 24-Hour Hotline Assistance for expert help and advice. Without insurance, you’re on your own.
• If your travel plans are affected by COVID-19,  many of our travel protection plans now include the Epidemic Coverage Endorsement, which adds covered reasons to select benefits for certain losses related to COVID-19 and any future epidemic. Benefits vary by plan and by state of residence, and are not available in all jurisdictions. Learn more in our COVID-19 FAQ .

WHICH PLAN IS RIGHT FOR ME?

OneTrip Travel Insurance Plans

If you're the type who plans one big getaway a year, a OneTrip plan can offer benefits to help you breathe easier -- like trip cancellation, luggage protection, emergency medical benefits, and more. And all plans come with 24-Hour Assistance in case you need expert travel help along the way.

Annual Travel Insurance Plans

Frequent traveler? An AllTrips annual travel insurance plan may be a great fit. You can get the protection you need for all the trips you take in a full year -- domestic or international, leisure or business -- all under one convenient plan.

Rental Car Insurance Plans

If you're hitting the road in a rental car, OneTrip Rental Car Protector can provide primary protection for covered collision, loss, and damage, along with 24- hour emergency assistance. It's an affordable alternative to using your personal insurance, or overpriced options at the rental counter.

Why go with Allianz Travel Insurance?

As a world leader in travel protection, we help more than 70 million people answer the call of adventure with confidence every year.

We're Protecting You

From protection for trip cancellation to medical bills abroad, our benefits are designed to help you explore reassured.

We're There For You

We've got your back with award-winning 24/7 assistance and a worldwide network of prescreened hospitals to help you get the right care.

We're Built For You

From our TravelSmart app to proactive SmartBenefits, we innovate for the way you travel today - and tomorrow.

What our customers say

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] .

Return To Log In

Your session has expired. We are redirecting you to our sign-in page.

• Classic car
• Personal watercraft
• Business auto
• Trucking & specialty auto
• Auto & home
• Start an auto claim
• Find an agent
• Get insurance card
• Vehicle insurance FAQ
• Vehicle loans
• All insurance
• Business property
• Home & auto
• Renters insurance FAQ
• Property insurance FAQ
• Home financing
• Renters discounts
• Life insurance
• Pet insurance
• Identity theft
• Pet insurance FAQ
• Travel insurance FAQ
• Personal loans
• Businessowners policy (BOP)
• General liability
• Workers’ compensation
• Farm & ranch
• Commercial agribusiness
• See products ...
• Excess & surplus
• Management liability & specialty
• Surety bonds
• Employee retirement plans
• Group benefits
• Key person benefits
• Medical stop loss
• MedPair supplemental health
• Auto service & repair
• Contractors
• Food service
• Professional offices
• Retail stores & services
• Wholesalers & distributors
• Find a farm agent
• Business claims FAQ
• Personal retirement plans
• Mutual funds
• Exchange-traded funds
• Find a financial professional
• Personal finance FAQ
• Investing & retirement FAQ
• Nationwide Financial
• The Advisor Advocate® blog
• Small business
• Powersports
• Personal finance
• Investments
• Emergency planning
• Farm & agribusiness
• Cyber resource center
• Investing FAQ
• Now from Nationwide®
• Agency Forward®
• Vehicle Products
• Related Tasks
• Property Products
• Personal Products
• Related Links
• Business Products
• Employee Benefits
• By Business Type
• Investment Products
• Insurance Resources
• Resources for agents
• Financial professionals
• Enterprise partners
• Career seekers

Independent Insurance Companies near Concord, North Carolina

Search by location, search by name, insurable products.

• Human Services
• Agriculture

Find a Nationwide Insurance Agent in Concord, North Carolina

Nationwide auto insurance.

You don't have to live on a busy street to get into an accident. It can happen to even the most defensive drivers. The On Your Side® Claims Service is one of the big reasons we've earned a 95% member satisfaction rating, but it's not the only one. What if you're looking for an upside to each claim-free year you enjoy with Nationwide, for example? Talk to one of our Concord auto insurance agents about the Vanishing Deductible® program, or to ask any questions you may have about your coverage or policy.

Nationwide Homeowners Insurance

In Concord, you can find residential dwellings of all kinds. Whether you own a historic row house, classic ranch, or modern eco-friendly home—whether you prefer the proximity to downtown destinations or one of the city's quieter suburbs—you can find the coverage you need from Nationwide. Don't worry if you don't know exactly what you need in a policy. Not only do our Concord home insurance agents know about the subtleties that come with each neighborhood, but they can introduce and explain different types of homeowner coverage to you.

Nationwide Life Insurance

As much as Concord neighbors share in common, including the universal desire to care for our loved ones no matter what, life insurance is not a one-size-fits-all shopping experience. Do you want the greatest peace of mind possible or the greatest dollar-for-dollar value? Do you want to know that specific kinds of family planning costs will be taken care of? What sort of claim limit makes sense for your loved ones given your households existing financial obligations? What sort of policy makes sense for this year or for next? Let one of Nationwide's Concord life insurance agents run through the basic options and help you make a choice with confidence.

Nationwide Business Insurance

Whether you have a brick-and-mortar shop that goes back generations or you're building the city's next great company in your home office, or maybe even your garage, your business needs the protection provided by commercial insurance products. Let one of our Concord business insurance agents help you better understand the risks facing your company and how a policy from Nationwide can manage these risks.

Personalized Quotes and Local Insurance Coverage

It only takes a minute to get quotes based on your zip and a few basic details. From these estimates, you can make a confident policy purchase online, or check in first with a local insurance agent.

• Auto insurance quotes
• Homeowners insurance quotes
• Life insurance quotes
• Business insurance quotes

• Moscow Tourism
• Moscow Hotels
• Moscow Bed and Breakfast
• Moscow Vacation Rentals
• Flights to Moscow
• Moscow Restaurants
• Things to Do in Moscow
• Moscow Travel Forum
• Moscow Photos
• All Moscow Hotels
• Moscow Hotel Deals
• Things to Do
• Restaurants
• Vacation Rentals
• Travel Stories
• Rental Cars
• Add a Place
• Travel Forum
• Travelers' Choice
• Help Center

Insurance and trains - Moscow Forum

• Europe    
• Russia    
• Central Russia    
• Moscow    

Insurance and trains

• United States Forums
• Europe Forums
• Canada Forums
• Asia Forums
• Central America Forums
• Africa Forums
• Caribbean Forums
• Mexico Forums
• South Pacific Forums
• South America Forums
• Middle East Forums
• Honeymoons and Romance
• Business Travel
• Train Travel
• Traveling With Disabilities
• Tripadvisor Support
• Solo Travel
• Bargain Travel
• Timeshares / Vacation Rentals
• Central Russia forums
• Moscow forum

This post has been removed at the author's request.

// Should train tickets be booked far in advance to save money or are they the same price just before?

https://www.tripadvisor.com/Travel-g298484-c179997/Moscow:Russia:Russian.Trains.And.Ticketing.html

"The earliest tickets go on sale is 45 or 60 days before the departure date depending on the train " - so "far in advance" is impossible, only two months before departure. But as a rule, the fewer unsold seats are available on the train, the more expensive they are.

> Do you actually need medical insurance?

Depends on who "you" are.

> As of 2016 Brits are not covered.

Have no idea what you are talking about.

> Will customs ask to see a policy?

You might be required to provide proof of trip health insurance with your visa app - IDK. But after that - you are done.

This topic has been closed to new posts due to inactivity.

• travel to moscow 1:58 pm
• Planning trip to Russia Apr 28, 2024
• Train Booking Moscow to St. Peter Apr 24, 2024
• SIM card. Russian SIM cards, do they still work in the UK? Apr 09, 2024
• Union Pay debit card Mar 27, 2024
• Russian trying to book a hotel in Jerusalem Mar 14, 2024
• Dual Citizen Arrested in Russia Mar 12, 2024
• about clothes Feb 27, 2024
• NOTE - border crossing from Finland into Russia closed Feb 09, 2024
• Snow boots in Red Square Feb 04, 2024
• Travelling to Moscow & Murmansk with toddle in winter Feb 02, 2024
• Anyone traveling from London to Moscow this week ? Jan 27, 2024
• Booking accommodation Jan 11, 2024
• Traveling friends (Designers preferred) :) Jan 05, 2024
• Moscow to St Petersburg train or air?? 32 replies
• New Sapsan Express Train from Moscow to St Petersburg 18 replies
• New year's in moscow 8 replies
• Hop on Hop Off Bus Tour 5 replies
• How do you purchase Bolshoi Ballet tickets at a great price? 2 replies
• Select-a-room.com Are they legitimate? 3 replies
• Weather Moscow and St. petersburg in May 8 replies
• Night train to St Petersburg 3 replies
• ATM Access 12 replies
• Visa needed if on layover at Moscow Airport??????? 15 replies
• Where can I get initial answers to ANY question?

Insurance agent referral in Moscow , Moscow

• Post this review to my wall

Our partners

Travel insurance.

Always properly covered: with travel protection from HanseMerkur, your holiday will get off to a relaxed start. Book your ideal travel cover directly when you book your next Condor flight. If you have already booked a flight, you can conveniently add insurance cover here.

Have you been bitten by the travel bug? Cover all your trips with one insurance policy here.

*Exception in the case of travel cancellation insurance and travel curtailment insurance: for outpatient treatments, an excess applies in accordance with the General Terms and Conditions of Insurance.

Terms and Conditions of Insurance & Product Information

• General Terms and Conditions of Insurance

Product information sheet – Basic Travel Protection

• Product information sheet – Premium Travel Protection

Information on your travel insurance

Within the scope of our activity as a travel insurance broker, we offer you advice on travel cover. In return for providing this service, we receive a commission and other bonuses, which are already included in the insurance premium.

Deutscher Industrie- und Handelskammertag (DIHK) e.V.

Breite Straße 29, 10178 Berlin Telephone: +49 (0)180 600 5850 (calls from German landlines: EUR 0.20 per call; mobile calls: max. EUR 0.60 per call)

Access the broker register at: www.vermittlerregister.info

At the above website, you can search the online insurance brokerage registry using the following Chamber of Commerce registration number: D-BRHB-RIMXM-07

Ombudsman for disputes with insurance companies or brokers: Versicherungsombudsmann e.V.

• 1,626 sqft 1,626 square feet
• 7,057 sqft lot 7,057 square foot lot

• 1,040 sqft 1,040 square feet
• 8,276 sqft lot 8,276 square foot lot

• 1,203 sqft 1,203 square feet
• 8,712 sqft lot 8,712 square foot lot

• 2,634 sqft 2,634 square feet
• 9,670 sqft lot 9,670 square foot lot

• 1,957 sqft 1,957 square feet
• 4,792 sqft lot 4,792 square foot lot

• 3,964 sqft lot 3,964 square foot lot

• 6,578 sqft lot 6,578 square foot lot

• 1,920 sqft 1,920 square feet
• 2,614 sqft lot 2,614 square foot lot

• 1,528 sqft 1,528 square feet

• 3,048 sqft 3,048 square feet
• 7,187 sqft lot 7,187 square foot lot

• 3,132 sqft 3,132 square feet
• 7,405 sqft lot 7,405 square foot lot

Recently Sold Homes Near 1701 Concord Ave

• 2,592 sqft 2,592 square feet
• 0.31 acre lot 0.31 acre lot
• 1,738 sqft 1,738 square feet
• 0.32 acre lot 0.32 acre lot
• 1,930 sqft 1,930 square feet
• 0.25 acre lot 0.25 acre lot
• 2,574 sqft 2,574 square feet
• 0.33 acre lot 0.33 acre lot
• 1,688 sqft 1,688 square feet
• 5,489 sqft lot 5,489 square foot lot
• 1,587 sqft 1,587 square feet
• 8,015 sqft lot 8,015 square foot lot
• 723 sqft 723 square feet
• 1.07 acre lot 1.07 acre lot
• 1,452 sqft 1,452 square feet
• 6,447 sqft lot 6,447 square foot lot
• 2,878 sqft 2,878 square feet
• 2,393 sqft 2,393 square feet
• 5,401 sqft lot 5,401 square foot lot
• 1,363 sqft 1,363 square feet
• 5,663 sqft lot 5,663 square foot lot
• 5,203 sqft 5,203 square feet
• 0.37 acre lot 0.37 acre lot

See 1701 Concord Ave, Moscow, ID 83843, a single family home. View property details, similar homes, and the nearby school and neighborhood information. Use our heat map to find crime, amenities, and lifestyle data for 1701 Concord Ave. The property-related information displayed on this page is obtained from public records and other sources.While such information is thought to be reliable, it is not guaranteed and should be independently verified. Properties labeled Not for Sale are classified as such either because we do not have a record of such properties currently being for sale or because we are not permitted, by contract, law, or otherwise, to designate such properties as currently for sale. For the most accurate and up to date status of this or any other property, please contact a REALTOR®.

Nearby Cities

• Pullman Homes for Sale
• Lewiston Homes for Sale
• Clarkston Homes for Sale
• Troy Homes for Sale
• Colfax Homes for Sale
• Potlatch Homes for Sale
• Asotin Homes for Sale
• Palouse Homes for Sale
• Deary Homes for Sale
• Kendrick Homes for Sale
• Lenore Homes for Sale
• Genesee Homes for Sale
• Viola Homes for Sale
• Juliaetta Homes for Sale
• Culdesac Homes for Sale
• Uniontown Homes for Sale
• Colton Homes for Sale
• Princeton Homes for Sale
• Clarkston Heights Vineland Homes for Sale
• West Clarkston Highland Homes for Sale

Nearby ZIPs

• 83843 Homes for Sale
• 99163 Homes for Sale
• 99111 Homes for Sale
• 83871 Homes for Sale
• 99161 Homes for Sale
• 83855 Homes for Sale
• 83537 Homes for Sale
• 83535 Homes for Sale
• 83832 Homes for Sale
• 99179 Homes for Sale
• 99113 Homes for Sale
• 83872 Homes for Sale
• 83857 Homes for Sale
• 83844 Homes for Sale
• 83834 Homes for Sale
• 83501 Homes for Sale
• 99403 Homes for Sale
• 83851 Homes for Sale
• 99402 Homes for Sale
• 99347 Homes for Sale

Nearby Neighborhoods

• Lincoln Heights Homes for Sale
• Opportunity Homes for Sale
• Dishman Homes for Sale
• East Spokane Homes for Sale
• Moran Prairie Homes for Sale
• Southgate Homes for Sale
• Downtown Coeur dAlene Homes for Sale
• Greenacres Homes for Sale
• Clarkston Heights Homes for Sale
• East Central Homes for Sale
• Latah Hangman Homes for Sale
• Central Post Falls Homes for Sale
• Veradale Homes for Sale
• Spokane River District Homes for Sale
• Comstock Homes for Sale
• Rockwood Homes for Sale
• Milltown Homes for Sale
• Trentwood Homes for Sale
• Downtown Lewiston Clarkston Homes for Sale
• Otis Orchards East Farms Homes for Sale