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Travel Protection

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United℠ Explorer Card

United℠ Explorer Cardmembers enjoy built-in travel protection benefits that give you peace of mind while traveling near and far.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days. 

Lost Luggage Reimbursement

If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.

Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses made with your United Explorer Card, such as meals and lodging, up to $500 per ticket.

Trip Cancellation/Interruption Insurance

You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is cancelled or cut short by sickness, severe weather and other covered situations.

Travel Accident Insurance

When you pay for your air, bus, train or cruise transportation with your United Explorer Card, you’re eligible to receive accidental death or dismemberment coverage of up to $500,000.

Auto Rental Collision Damage Waiver

Decline the rental company’s collision insurance and charge the entire rental cost to your United Explorer Card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.

For assistance with all United Explorer Card protection benefits, please call 1-888-880-5844 or 1-804-673-1691 . International charges may apply; please contact your service provider for additional details.

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Travel Protection Plus

Your pet became sick?  No problem! You can cancel or change your reservation— no change fees!  Price gone down since you booked?  No worries! United Vacations can guarantee our lowest price on select vacations! Unexpected mishap while on vacation? We've got you covered!

Our Travel Protection Plus helps give you some peace of mind, before and during travel. Cancel or change your vacation at any time, guarantee our lowest price on select vacations, receive coverage during travel and more.

What is Travel Protection Plus?

Pre-departure penalty waiver provided by united vacations (non-insurance features).

•   Cancel for Any Reason:  You may cancel your vacation for ANY reason prior to departure and receive a full refund for your vacation, less the cost of the Travel Protection plan, including non-refundable airfares booked through United Vacations.* Non-refundable hotel rates are not included. Your refund is made in the original form of payment unless at the time of purchase you elect to receive a portion or all of your refund in the form of United Vacations travel credits**.
•   Price Guarantee***:  Guarantees the lowest price on the vacation booking! If the price of the hotel or Exclusive Nonstop Vacation Flight on your vacation drops after booking the reservation, just let us know and we'll adjust the reservation to the lower price. Valid on Mexico, Caribbean, Hawaii and Central America vacations.
•   No Change Fees*:  Need to make a change? Any United Vacations fees for the FIRST instance are automatically waived with no charge or reactivation fee when there are no supplier change fees. For changes that require a complete cancellation and rebook, the new booking must be finalized within 7 days of the initial cancellation.
• ​ * Note to Minnesota, Missouri and New York residents only:  You are not required to purchase the Post-Departure Travel Insurance in order to purchase the Pre-Departure Penalty Waiver. Contact 1-877-538-3815 for details.
•   Hurricane Travel Credit*^:  If a Category One or greater hurricane disrupts a vacation for 24 hours or more, travelers will receive a refund for unused or interrupted vacation nights plus a future vacation discount certificate. Valid for reservations departing June through November.

**Travel credit policies

• Travel credits are valid for travel commencing within 13 months (395 days) from original departure date.
• Travel credits are nonrefundable, nontransferable, not redeemable for cash, and must be used by expiration date.
• Travel credits will be issued in the names of the passengers on the original reservation.
• All refunds must be requested within 60 days of the date of cancellation.

Post-Departure Travel Insurance^ Underwritten by Nationwide Mutual Insurance Company

•   Trip Interruption:  Reimburses (up to the total trip cost) unused hotel arrangements plus additional costs to change or purchase a new airline ticket if you can't travel due to circumstances such as illness or injury to you, a family member, or traveling companion, jury duty, subpoena, or a traffic accident on the way to the airport.
•   Travel Delay:  Reimburses you up to $3,000 for expenses such as meals, lodging, and local transportation costs should you be delayed 6 or more hours due to a defined Hazard, such as a Common Carrier Delay or Quarantine (imposed by a physician or government authority).
•   Missed Connection:  The plan reimburses you up to $500 for unused arrangements and additional transportation should you miss your Cruise or tour departure due to a delay of at least 3 hours to 12 hours of all regularly scheduled flights due to a covered reason, such as adverse weather or Quarantine (imposed by a physician or government authority).
•   Emergency Evacuation:  Under certain circumstances detailed in the Plan, the Plan can pay for the transportation expenses Incurred to evacuate you to the nearest qualified hospital and/or to return you home.
•   Baggage/Personal Property:  Reimburses you for baggage or items lost, stolen, or damaged during your vacation.
•   Medical Expenses:  Reimburses medical costs should you incur hospital charges or other medical bills as a result of an illness or injury during your vacation.
•   Baggage Delay:  Reimburses for the purchase of necessary personal items if your bags are delayed by the airline for 8 hours or longer. The plan covers you for the purchase of necessary items up to $300 in the event your luggage is delayed by a common carrier for more than 8 hours en route to your vacation.
•   Travel Accident:  Accidental death and dismemberment coverage in the event of loss of life, limb, or sight resulting from an injury occurring during Your Trip.

Travel Protection Plus Pricing*

* Valid for of all vacation packages and destinations (except scheduled air only vacations). Holiday Pricing  (departures 12/18-12/30): Add $30.00 per adult ages 13 +; add $15.00 per child 12 and under ( maximum $114.99 ).

How Do You Purchase Travel Protection Plus?

While you are building your vacation, you can select Travel Protection Plus from the Add-Ons menu, or add it during the first step of the check-out process in the Travel Protection section. Travel Protection Plus can only be purchased online during the booking process. To add travel protection after you have made your reservation, call your travel agent or United Vacations customer service at 888-854-3899. Travel Protection Plus may only be added within 7 days of your initial deposit, provided you have not yet made your final payment.

INFORMATION YOU NEED TO KNOW:

Benefits on this page are described on a general basis only. There are certain restrictions, exclusions and limitations that apply to all insurance coverages. This advertisement does not constitute or form any part of the plan description or any other contract of any kind. Plan benefits, limits and provisions may vary by state jurisdiction. To review full plan details online, go to:  www.tripmate.com/wpN430U .

Plan payments are made up of insurance benefits and non-insurance services.

Insurance benefits are underwritten by:  Nationwide Mutual Insurance Company.

Non-Insurance services:  are not insurance benefits underwritten by Nationwide Mutual Insurance Company. One Call 24-Hour Assistance Services are provided by: One Call Worldwide Travel Services Network and Global Xpi Medical Records Services are provided by Trip Mate.

Plan administrator:  Trip Mate, Inc. (in CA & UT, dba Trip Mate Insurance Agency) 9225 Ward Parkway, Suite 200, Kansas City, MO 64114, 1-833-791-2989.

* All United Vacations-imposed revision fees are waived and are available for unlimited use so long as Travel Protection Plus remains on the reservation. Canceling or changing their vacation at any time before departure without costly revision fees does not include non-refundable properties. Supplier-imposed fees such as airline/hotel revision penalties will be covered for the first revision instance. If used to cover supplier-imposed fees, Travel Protection Plus will need to be reapplied to the reservation at 75% of the original price in order to maintain the program benefits or the traveler is subject to any subsequent revision or cancel fees.

*** For the Price Guarantee to apply to the hotel portion of the reservation, the price adjustment must be made to the reservation while the lower United Vacations rate is available. Price Guarantee also covers the air portion of exclusive nonstop vacation air vacations.

*^ The Hurricane Travel Credit applies for vacations departing June through November. While in destination, if your United Vacations trip is interrupted for 24 hours or more due to a Category One or greater hurricane, you will receive a refund for unused or interrupted vacation nights plus a "Fresh Start" certificate for a future vacation. "Fresh Start" certificate amounts: $25 per person. "Fresh Start" certificates are non-transferable and are not redeemable for cash and can be used on a United Vacation for travel any time (excluding holidays) for one year from the original departure date. A qualifying disruption occurs when your hotel requires you to be displaced from their room for 24 hours or more due to the result of a Category One or greater hurricane and does not apply to hurricane watches, warnings or tropical storms. The Hurricane Travel Credit Plan applies to the nights you are displaced from your hotel if a comparable hotel of equal or greater hotel rating is not provided.

^ The Travel Protection Benefits are underwritten by Nationwide Mutual Insurance Company and Affiliated Companies, Columbus, Ohio and administered by Trip Mate Inc., * (*in CA & UT, dba Trip Mate Insurance Agency) 9225 Ward Parkway, Suite 200, Kansas City, MO, 64114, 1-833-791-2989. Non-insurance Services: are not insurance benefits. Generali Global Assistance 24-Hour Assistance Services are provided by: Generali Global Assistance and Global Xpi Medical Records Services are provided by Trip Mate. Benefits on this page are described on general basis only. There are certain restrictions, exclusions and limitations that apply to all insurance coverages and services. This advertisement does not constitute or form any part of the Plan Description or any other contract of any kind. Plan benefits, limits, and provisions may vary by state jurisdiction. To view the full plan details please visit:  http://www.tripmate.com/wpN430U  and view your state specific plan document.

Travel Agency

United Trip Insurance: What it Covers and How to Purchase

Last Updated on March 27, 2024 by Rick Spiegel

Planning a trip can be an exciting experience, filled with excitement and dreams of new adventures. But what if something wrong happens? Flight can be canceled or delayed, baggage can be delayed or lost, and other unexpected medical emergencies can occur. So, that’s where the United trip insurance comes in, providing financial protection along with peace of mind.

United Airlines is one of those airlines that understands the importance of protecting the travel insurance of their flyers. That’s why this airline offers United Airlines Trip Insurance. This comprehensive insurance coverage is designed to protect you from unforeseen events that might impact your trip. So, it does not matter if you cancel or change your plan at the moment, lost baggage, medical emergency. United Airlines always offers a safety net to help travelers from the risks and expenses associated with such situations.

In this guide, we’ll get to know about the various aspects of United travel insurance. Here you’ll get details about:

• What does United Trip Insurance cover
• How to purchase it
• Limitations of the trip insurance and much more

So, let’s dive into the details and find out what United Trip Insurance can provide for your next journey.

Table of Contents

What Does the United Airlines Trip Insurance Mean?

Like most of the trip insurance policies, United Airlines trip insurance provides protection that need to cancel or change your journey. However, the airlines approved all these claims for some specific reasons. Most of the reasons are not included in this insurance except extreme situations.

As per the policy of United Airlines, you cannot use it if your mind changes about flying with the airline or if your babysitter suddenly backs out. According to this policy, this policy only covers major injuries, life-threatening illnesses, or military duties.

Furthermore, United Airlines specifically states in their insurance documents that trip insurance is only for inescapable situations, which is why you should purchase travel insurance.

Types of Coverage Included in United Trip Insurance Plan

There are several losses under which the United Airlines Trip Insurance plan provides coverage to the passengers. Here is a list of such types of coverage that you’ll get under Trip Insurance of United Airlines:

Coverage for the Delayed or Lost Baggage

Coverage for medical expenses.

• Coverage for Trip Delays or Missed connections
• Coverage for the Repatriation or Emergency Evacuation

It can be a frustrating situation if you find out that your baggage has been delayed or lost. It can disrupt all your planning and leave you without your essential items on your trip. So, that’s where United Travel Insurance comes in to provide you coverage and assistance in such situations.

So, if your baggage is delayed, lost, or damaged for an extended period of time, then United Airlines can help you by providing compensation for the inconvenience.

While traveling, the last thing you wish to worry about is a sudden injury or illness. However, unforeseen medical emergencies can happen unexpectedly. That’s why United Airlines provides coverage for unforeseen medical conditions

Coverage for Trip Delay or Missed Connecting Flights

Missed Connecting flights or travel delays can be an unfortunate occurrence that can disrupt your travel plans. Fortunately, United Trips insurance includes coverage for such situations providing compensation along with assistance to help you in the best possible manner.

Moreover, if your flight is late for a specific amount of time, or you miss a connecting flight due to situations that are beyond your control, such as bad weather, mechanical issues, or air traffic congestion. In such a case United Airlines can provide reimbursement for the reasonable expenses incurred during the delay.

Coverage for the Emergency Evacuation or Repatriation

While we hope that our travels will be smooth and uneventful, emergencies can occur. So, it is important to get ready for all such situations. United Airlines Trip Insurance includes coverage for emergency evacuation or repatriation, providing crucial assistance and support under difficult situations that require immediate action.

So, if there is a medical emergency or a natural disaster that poses a threat to your safety, then United Airlines Trip insurance can cover the cost associated with the evacuation and emergency medical transportation.

Coverage for Accidental Death and Disembarkment

The last thing that we all want to think about is the possibility of injuries and accidents during our journey. However, it is crucial to be prepared for the unexpected situations. In such critical circumstances, United Airlines trip insurance offers coverage for the disembarkment and demise of loved ones.

Moreover, if you sustain accidental bodily injuries during the journey that result in death, permanent disability, accidental death and disembarkment coverage provided by United Airlines Trip Insurance can help provide compensation to you or your beneficiaries.

How to Purchase the United Trip Insurance?

If you are traveling with United Airlines for the time, and want to purchase their trip insurance. In such a case, you have two options to receive United Tip Insurance.

• First, visit the United Airlines official website.  You can use the ‘Manage Reservation’ feature or the United Airlines app to buy the Trip Insurance of United Airlines.
• Or directly call the Travel Card agent directly at 1-877-934-8308.

So, you have the opportunity to select the best coverage that matches your preference while making a flight reservation with United Airlines.

Common Reasons Covered under United Trip Insurance  for Cancellation or Trip Interruption

United Airlines travel insurance provides coverage for trip cancellation or trip interruption. Here are the most common claims that are covered by United Airlines:

Trip Cancellation

If you are traveling alone or with your travel companion, and have any of the following, then you can file a claim if:

• You are injured or ill and cannot travel
• United Airlines goes on strike
• You are quarantined or hijacked
• Bad weather causing your trip to be canceled
• You are called for military duty
• You are subpoenaed for jury duty
• Your home is damaged due to theft or any natural disaster
• You are late due to a traffic accident on the way to your airport.

Trip Interruption

The trip cancellations also cover similar claims for you and your travel companion including:

• Bad weather causes trip cancellations or interruption
• A car accident causes you to miss your flight
• You will be attending the childbirth of an immediate family member
• Sickness or injury
• Called for jury duty
• A natural disaster, burglary, or vandalism makes your home inhabitable

United Airlines Trip Insurance- Limitations and Exclusions

There is no doubt that United Airlines Trip Insurance offers coverage for a wide range of unforeseen events. However, it is crucial to understand that there are certain limitations and exclusions. 

Here is a list of the most common limitations and exclusions of United Airlines Trip Insurance:

Pre-existing medical conditions

You’ll get coverage for your medical conditions that are pre-existing only if it is specified in the United Airlines trip insurance policy. However, if it is not mentioned in the policy, the expenses related to such conditions might not be covered.

Intentional self-inflicted injuries or suicide

If any incidents or injuries result from suicide or self-harm attempts are also not included in the trip insurance coverage.

Acts of war or terrorism

  If any passenger faces any losses from the act or war, declared or undeclared, acts of terrorism are also excluded as per the travel insurance policy of United Airlines.

Reckless or unlawful behavior

Any incidents or losses that lead to reckless or unlawful behavior are not included in the United trip insurance.

Participation in extreme sports or hazardous activities

  Coverage may be limited or excluded for injuries or incidents that occur while participating in certain extreme sports or hazardous activities, such as mountaineering, skydiving, or racing.

Travel to high-risk destinations

Some policies may exclude coverage for travel to specific high-risk destinations, as determined by the insurance provider.

So, it is essential to go through the policy documents and understand the specific exclusions and limitations before purchasing the trip insurance of United Airlines. It will help you understand the coverage boundaries and make you aware of the decisions while planning your journey.

Additionally, before you request to file the claim, it is important to understand which evidence or documentation is necessary to get compensation for the loss. Also, the failure to provide the essential documents might result in a reduction or denial of the claim.

By understanding all the limitations and exclusions related to the trip insurance of the airline, you can have more realistic expectations of the coverages offered by United Airlines.

How much does United Travel Protection Plus cost to a traveler?

United Airlines travel insurance offers you the facility to change or cancel your trip at any time. Moreover, it guarantees the lowest price on select vacations, also you’ll receive travel coverage from the airline too.

Below is a list of pricing of the Travel Protection Plus Plan:

The above-mentioned pricing is per person. Also, it is valid on vacation packages and destinations (except scheduled air-only vacations).

Does United Airlines Credit Card Provides Trip Insurance Benefits?

Yes, the United Airlines credit card provides the benefit of trip insurance. These cards come with are array of trip protections. So, if you must use your eligible credit card from United Airlines. The primary cardholders and their immediate family members traveling together get most of the travel benefits. The immediate family members are:

• Parents and grandparents
• Children and grandchildren
• Aunts and uncles
• Nieces and nephews

The benefits credit card provides under the trip insurance are:

• Baggage delay insurance
• Lost luggage reimbursement
• Trip delay reimbursement
• Trip cancellation/interruption insurance

Frequently Asked Questions (FAQs)

Can i buy trip insurance with united airlines.

Yes, you can buy travel insurance with United Airlines. To add trip insurance to your journey, you can visit the official website of United Airlines. Moreover, you can directly call the travel guard agent at 1-877-934-8308.

What insurance does United Airlines have?

United Airlines offers coverage for various types of insurance. These insurance are for luggage, Emergency medical expenses, Non-flight accidental death and dismemberment, and many more. However, the amount of reimbursement you’ll get is different. Generally, it ranges from $500-$27,500.

What does trip insurance on a flight cover?

On United Airlines, you’ll get a range of trip protection including trip cancellation, delay or interruption, evacuation, accidental death and dismemberment, and many more. So, you can

What does trip cancellation insurance cover?

If you think that you won’t be able to take a trip due to any emergency, then trip insurance will cover all your prepaid, forfeited, non-transferable, and non-refundable costs. However, the reimbursement that you’ll get will depend on the time and date of your departure.

Can I purchase insurance on a plane ticket after purchase?

Yes, you can purchase insurance on a plane after purchasing the travel ticket. However, it is recommended to purchase the trip insurance as soon as possible.

What is the difference between trip cancellation and trip insurance?

Trip cancellation coverage offers coverage for the money that you lose after canceling the ticket. On the other hand, trip insurance offers coverage for the additional money covered reason that you have to spend to resume your trip or return home.

Does travel insurance cover non-refundable flights?

If you cancel your flight due to serious illness, demise of an immediate family member, natural disaster, or any other reason that is covered by your travel insurance policy. In such a case, the travel insurance will provide you the reimbursement for the non-refundable portion of your flight expenses.

How much does United charge for travel insurance?

United Airlines offers travel insurance for passengers for a specific amount. The package value of their travel protection plus plan is up to  $799.99 per person. Whereas., the airline charges around $79.99 for flyers who are 13 Years & Older for the same plan.

What is not covered under the United Trip Insurance?

If you have purchased trip insurance from United Airlines, then you will not get coverage for any injuries or accidents that happened due to the use of drugs or intoxication. Moreover, your medical bills won’t be covered by your travel insurance if you do such activities.

What are the limitations or exclusions of United Airlines Travel Insurance?

There are various exclusions or limitations of United Travel Insurance including – participation in extreme sports or hazardous activities, unlawful or reckless behavior, suicide or intentionally self-inflicted injuries, etc.

Rick Spiegel

I'm Rick Spiegel, a dedicated traveler and writer with a passion for all things related to airline travel. My love for exploring new destinations and my commitment to helping fellow travelers navigate the skies have led me to create a space where you can find all the information you need to contact airlines and resolve air travel issues seamlessly. With years of experience in the aviation industry, I've made it my mission to provide you with expertly crafted airline travel guides, ensuring that your journeys are as smooth as possible.

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• Travel Insurance
• Best Travel Insurance Companies

11 Best Travel Insurance Companies Of May 2024

Expert Reviewed

Updated: May 1, 2024, 7:41am

We evaluated 39 policies and found that Travel Insured International, WorldTrips and Travel Safe are among the best travel insurance companies. We evaluated costs and a variety of coverage features to find the best options. See all our top picks.

Considering Travel Insurance?

Via Forbes Advisor's Website

• Best “Cancel For Any Reason” Travel Insurance
• Cheapest Travel Insurance Plans
• Best Cruise Insurance

Summary: Best Travel Insurance Companies

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We assessed cost, travel medical and evacuation limits, baggage and trip delay benefits, the availability of cancellation and interruption upgrades, and more. Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. You can read more about our editorial guidelines and the methodology  for the ratings below.

• 39 travel insurance policies evaluated
• 1,482 coverage details analyzed
• 102 years of insurance experience on the editorial team

Our Picks For The Best Travel Insurance Companies

Best for non-medical evacuation, travel insured international.

Top-scoring plan

Worldwide Trip Protector

Average price

Medical & evacuation limits per person

$100,000/$1 million

We recommend Travel Insured’s Worldwide Trip Protector policy because it offers robust benefits at the lowest average price among top-rated plans we analyzed. We also like its superior non-medical evacuation coverage.

• “Cancel for any reason” and “interruption for any reason” upgrades available.
• Top-notch non-medical evacuation benefits of $150,000 per person.
• Good travel delay and baggage delay benefits kick in after just a 3-hour delay.

More: Travel Insured International Travel Insurance Review

• Medical coverage of $100,000 per person is on the low side compared to top competitors but might be enough for your needs.
• Missed connection benefits of $500 are low compared to top-rated competitors and for cruise and tours only.

Here’s a look at whether top coverage types are included in the Worldwide Trip Protector policy.

Also included:

• Pet kennel benefits of up to $500 are included if you return home three hours or more later than your planned return date.

Optional add-ons offered:

• Rental car damage and theft coverage of up to $50,000.
• Event ticket protection pays up to $1,000 if you can’t attend for a reason covered by the policy.
• Travel inconvenience coverage allows you to recoup money for unforeseen circumstances, such as closed beaches and attractions, rainy weather, tarmac delays and more.
• Bed rest benefits pay up to $4,000 if a doctor requires you to stay on bed rest for at least 48 hours during your trip.

GREAT FOR ADD-ON COVERAGE

Atlas Journey Premier

Average cost

$150,000/$1 million

We like the Atlas Journey Premier plan for its wide choice of add-ons. These add-ons provide extra coverage for pets traveling with you, adventure sports, destination weddings, hunting and fishing equipment and more. We also like that this plan has a low average cost compared to competitors.

• Very good travel delay benefits of $2,000 per person after only 5 hours.
• Very good missed connection coverage of $2,000 per person after 3 hours.

Another option is the Atlas Journey Preferred plan, but this policy doesn’t offer the “interruption for any reason” upgrade and has lower travel medical benefits of $100,000 per person. Still, it hits all the marks for great benefits at a low price. It also offers lots of choices for add-on coverage.

More: WorldTrips Travel Insurance Review

• Medical coverage limits of $150,000 aren’t as high compared to some top-rated competitors but you might find it’s sufficient.
• Baggage delay benefits have a 12-hour waiting period.

Here’s a look at whether top coverage types are included in the Atlas Journey Premier policy.

• Travel inconvenience benefits of $750 if your arrival home is delayed due to a transportation delay and you can’t work for at least two days, your flight lands at a different airport than scheduled, your passport is stolen and can’t be reissued, and more.
• “Cancel for any reason” and “interruption for any reason” coverage.
• Destination wedding coverage in case the wedding is canceled.
• Baggage insurance upgrade to $4,000 per person.
• Rental car theft and damage coverage of $50,000.
• Political or security evacuation benefits of $150,000 per person.
• Vacation rental accommodations coverage of $500 if unclean or overbooked.
• Adventure sports add-on to extend coverage to safaris, bungee jumping and more.
• Hunting and fishing coverage for equipment and cancellation due to government restrictions.
• School activities coverage if trip has to be canceled due a test, sporting event, etc.

BEST FOR MISSED CONNECTIONS

Classic Plus Plan

TravelSafe’s Classic Plus plan stood out in our analysis for its superior missed connection benefits of $2,500. We also like the Classic Plus plan’s top-notch medical evacuation coverage of $1 million.

• “Cancel for any reason” upgrade available.
• Superior baggage loss coverage limits of $2,500.
• Great travel delay limits of $2,000 per person after a 6-hour delay.

More: TravelSafe Travel Insurance Review

• $100,000 in medical benefits is on the low side compared to top competitors but might be sufficient for your needs.
• Baggage delay coverage is a little skimpy at $250 per person after a 12-hour delay.

Here’s a look at whether top coverage types are included in the Classic Plus policy.

• Itinerary change coverage of $250 per person if your travel supplier makes a change that forces you to lose non-refundable costs for missed activities.
• Reimburses $300 for fees if you have to redeposit frequent traveler awards for reasons covered by your trip cancellation insurance.
• Pet kennel coverage of $100 a day if your return home is delayed by 24 hours or more due to a reason covered in your policy.
• “Cancel for any reason” coverage of 75% of lost trip costs.
• Accidental death and dismemberment for flights, up to $500,000 per person.
• Rental car damage and theft up to $35,000.
• Business equipment and sports equipment coverage of $1,000 if lost, stolen or damaged.

BEST FOR POLICY PERKS

Cruise Luxury

Nationwide’s Cruise Luxury plan is one of our favorites because it has a treasure trove of benefits such as “interruption for any reason” and “cancel for work reasons” coverage. You can upgrade to “cancel for any reason” coverage. Some competitors offer none or one of those options. We also like its excellent missed connection benefit of $2,500 per person.

Note that you do not have to be going on a cruise to take advantage of this policy’s coverage.

• “Interruption for any reason” benefit of $1,000 per person is included.
• Includes $25,000 per person in non-medical evacuation benefits for problems such as a natural disaster or security or political problem.
• Good travel delay benefits of $1,000 per person.

More: Nationwide Travel Insurance Review

• Medical coverage of $150,000 per person is lower than most other top-rated plans but might be sufficient for your needs.
• 24-hour delay required for hurricane and weather coverage, compared to some competitor policies with only a 12-hour delay requirement.

Here’s a look at whether top coverage types are included in the Cruise Luxury policy.

• Inconvenience benefit of $250 per person if your cruise ship’s arrival at the next port of call is delayed for two or more hours due to mechanical breakdown or fire.
• “Interruption for any reason” up to $1,000.
• Coverage for extension of the school year, terrorism in an itinerary city, work-related emergency issues.
• Coverage if the CDC issues a health warning at your destination.

Optional add-on offered:

• “Cancel for any reason” upgrade that provides 75% reimbursement of insured trip cost if you cancel two or more days prior to your departure for a reason not listed in the base policy.

BEST FOR CUSTOMIZATION

Travel Guard Deluxe

The Travel Guard Deluxe plan impressed us with its optional pet, wedding, security, baggage, medical, adventures sports and travel inconvenience upgrades. These add-ons allow you to customize the policy to your needs. We also like that the policy includes benefits if, under certain conditions, you must start your trip earlier than planned—a feature not found in all policies.

• Offers upgrades to meet the needs and budgets of many kinds of travelers.
• Includes $100,000 per person for security evacuation and superior medical evacuation coverage of $1 million per person.
• Provides up to $750 per person for “travel inconveniences” such as a flight delay to your return destination, runway delays and cruise diversions.
• Has good travel delay coverage of $1,000 per person, with a short waiting period of 5 hours.

More: AIG Travel Insurance Review

• The Travel Guard Deluxe policy has robust coverage across the board but also a high average cost ($539) compared to other top-rated policies.
• Medical expense coverage of $100,000 per person is on the low side but might be adequate for your needs.

Here’s a look at whether top coverage types are included in the Travel Guard Deluxe policy.

• Travel inconvenience benefits of $750 total ($250 per problem) if you encounter issues such as closed attractions, cruise diversion, hotel infestation, hotel construction and more.
• Trip exchange benefits of 50% of your trip cost that pay the difference in price between your original reservation and the new one.
• Ancillary evacuation benefits up to $5,000 for expenses related to return of children, bedside visits, baggage return and more.
• Flight accidental death and dismemberment coverage of $100,000 per person.
• “Cancel for any reason” upgrade.
• Rental vehicle damage coverage.
• “Name Your Family” upgrade allows you to add a person to your policy who will qualify for family member-related unforeseen events that can apply to claims for trip cancellation and interruption.
• Adventure Sports Bundle for adventure and extreme activities.
• Pet Bundle for boarding and medical expenses for illness or injury of dog or cat while traveling. Includes trip cancellation or trip interruption if your pet is in critical condition or dies within seven days before your departure.
• Wedding Bundle to cover trip cancellation due to wedding cancellation. Sorry cold-feeters: Coverage does not apply if you are the bride or groom.

The Travel Guard Preferred plan also earned 4.3 stars in our analysis. We recommend this policy if you’re looking for a lower price and don’t need the higher coverage amounts provided by the Deluxe plan. The Preferred plan provides $50,000 for medical expenses and $500,000 for medical evacuation benefits per person.

GREAT FOR MEDICAL & EVACUATION COVERAGE

Seven corners.

Trip Protection Choice

$500,000/$1 million

We like Seven Corners’ Trip Protection Choice plan because it has superior travel medical expenses and evacuation benefits. It also provides great upgrade options and benefits across the board.

• “Cancel for any reason” and “interruption for any reason” upgrade available.
• Very good travel delay coverage of $2,000 per person.
• Includes $20,000 for non-medical evacuation

More: Seven Corners Travel Insurance Review

• Hurricane and weather coverage has a 48-hour delay, compared to some competitors that require only 12-hour delays.
• Average cost ($527) is only so-so compared to other top-rated policies we evaluated.

Here’s a look at whether top coverage types are included in the Trip Protection Choice policy.

• Accidental death and dismemberment coverage of $40,000 per person for qualifying common carrier events
• Change fee compensation of $300 per person if you have to change your flight or original travel arrangements due to qualifying events.
• Pet kennel benefits of $500 if your return home is delayed by six hours or more due to qualifying missed connection, interruption or delay problems.
• Frequent traveler coverage of $500 to pay for the cost to redeposit awards due to a trip cancellation caused by a reason listed in your policy.
• “Cancel for any reason” coverage.
• “Interruption for any reason” coverage.
• Rental car damage coverage of $35,000.
• Sports & golf equipment rental coverage up to $5,000.
• Event ticket fee registration coverage of $15,000 if you can’t attend an event due to unforeseen reasons listed in trip cancellation and interruption coverage.

BEST FOR BAGGAGE

Axa assistance usa.

Platinum Plan

$250,000/$1 million

AXA’s Platinum plan is among our favorites because it hits all the high points for coverage that you’ll want if you’re looking for top-notch protection, including excellent baggage benefits of $3,000 per person. Excellent medical and non-medical evacuation benefits are another reason we like the Platinum plan.

• Generous medical and evacuation limits, plus $100,000 per person in non-medical evacuation—among the highest for plans we analyzed.
• Coverage for lost ski days, lost golf rounds and sports equipment rental.

More: AXA Assistance USA Travel Insurance Review

• Travel delay and baggage coverage kicks in only after a 12-hour delay.
• The average cost for the Platinum plan is only so-so compared to other top-rated plans, although you do get robust coverage for the money.

Here’s a look at whether top coverage types are included in the Platinum policy.

• “Cancel for any reason” coverage
• Rental car damage coverage of $50,000.
• Lost ski days
• Lost golf rounds

GREAT FOR PRE-EXISTING MEDICAL CONDITION COVERAGE

Generali global assistance.

Generali’s Premium policy stood out in our analysis for its generous window for pre-existing condition coverage. Travelers with pre-existing conditions can get coverage as long as you buy a Premium policy up to or within 24 hours of your final trip deposit. Competitors often have a deadline of 10 to 20 days after making your first trip deposit .

We also like the policy’s excellent trip interruption insurance and superior medical evacuation benefits of $1 million per person.

• Excellent trip interruption coverage of up to 175% of your trip costs.
• Very good baggage loss coverage at $2,000 per person.

More: Generali Global Assistance Travel Insurance Review

• If you want “cancel for any reason” coverage you must buy it within 24 hours of making your initial trip deposit, compared to 10 to 20 days from top competitors.
• This plan’s “cancel for any reason” coverage will reimburse you for only 60% of lost trip costs; most competitors provide 75%.
• Baggage delay benefits kick in only after a 12-hour delay.

Here’s a look at whether top coverage types are included in the Premium policy.

• Rental car coverage for theft and damage of $25,000.
• Sporting equipment coverage of $2,000.
• Sporting equipment delay coverage of $500.
• “Cancel for any reason” upgrade that reimburses you 60% of your insured trip cost if you cancel at least 48 hours prior to your scheduled departure.

BEST FOR FAMILIES

Travelex insurance services.

Travel Select

$50,000/$500,000

We recommend Travelex’s Travel Select plan for families because it provides coverage for children at no extra cost (when accompanied by an adult covered by the policy). Its average price is also among the lowest among the companies we evaluated, making it an option to take a look at

• Very good travel delay coverage of $2,000 per person after a 5-hour delay.

More: Travelex Travel Insurance Review

• Medical coverage of $50,000 per person is on the low side, but you can buy an upgrade to double it.
• Baggage delay coverage requires a 12-hour delay and has a low $200 per person limit.
• Missed connection benefits of $750 per person are lower than many other competitors.

Here’s a look at whether top coverage types are included in the Travel Select policy.

• Sporting and golf equipment delay benefits of $200 after 24 hours or more.

Optional add-ons & upgrades offered:

• Medical coverage upgrade to $100,000 per person.
• Medical evacuation upgrade to $1 million per person.
• “Cancel for any reason” coverage of 75% (up to max of $7,500).
• Accidental death and dismemberment coverage of $200,000 per person for flights.
• Financial default coverage if your travel supplier goes out of business that provides 100% reimbursement of your insured trip cost.
• Car rental collision coverage of $35,000.
• Adventure sports upgrade to cover activities that would otherwise be excluded.

BEST FOR TRIP INTERRUPTION

Hth worldwide.

TripProtector Preferred Plan

We were impressed by TripProtector Preferred’s superior trip interruption benefits—200% of the trip cost. Most competitors provide 150%. Luxury-level benefits are another reason we recommend the TripProtector Preferred plan.

• Top-notch coverage limits for medical expenses and evacuation.
• Coverage for adventure sports—such as zip-lining, snowmobiling, whitewater rafting, and more—are included.
• Very good travel delay coverage of $2,000 per person after a 6-hour delay.

More: HTH Worldwide Travel Insurance Review

• Higher average price ($602) compared to most companies we evaluated, but you’re buying robust benefits.
• Baggage delay coverage requires a 12-hour delay.

Here’s a look at whether top coverage types are included in the TripProtector Preferred policy.

• Pet medical expense coverage of $250 if your dog or cat traveling with you gets injured or sick during your trip.
• Rental car coverage of $35,000 for damage and theft.
• “Cancel for any reason” upgrade available that provides 75% reimbursement of trip costs if you cancel at least two days prior to your scheduled departure.

GREAT FOR CRUISE ITINERARY CHANGE/INCONVENIENCE

Cruise Choice

$100,000/$500,000

The Cruise Choice plan gets our attention for its compensation if you miss activities because your cruise ship changes its itinerary and for the inconvenience of delays to the next port of call. The Cruise Choice plan’s competitive price is another reason we recommend taking a look.

• Includes ”interruption for any reason” coverage of $500 if you buy policy within 14 days of trip deposit.
• Includes $25,000 per person in non-medical evacuation benefits.
• Provides benefits if your cruise ship has a fire or mechanical breakdown that delays arrival at the next port of call for two or more hours.
• Medical coverage of $100,000 per person is lower than most other top-rated plans but might be sufficient for your needs.
• 24-hour delay required for hurricane and weather coverage, compared to many competitors with shorter required times.
• “Cancel for any reason” coverage not available.

Here’s a look at whether top coverage types are included in the Cruise Choice policy.

• Shipboard service disruption of $200 per person if your cruise ship has a fire or mechanical breakdown that delays the next port of call for 2 or more hours or changes the scheduled itinerary.
• Coverage for an extended school year, terrorism in an itinerary city and work-related emergency issues.

These policies offer the highest level of medical coverage among the plans that we judged to be the best.

These policies offer the highest level of emergency medical coverage among the plans in our top picks.

These policies offer the highest maximum coverage limits for travel delays among the plans that we judged to be the best.

Nationwide’s Cruise Luxury policy offers the highest maximum coverage for delayed baggage among the plans that were our top picks.

Comprehensive travel insurance policies package together a number of valuable benefits. You can also buy policies that cover only trip cancellation or only medical expenses. With the wide variety of travel insurance plans available, you can find coverage levels that will fit your budget and trip needs.

Problems not covered by travel insurance tend to be similar among policies. We recommend that you read a policy’s exclusions so you’re not caught by surprise later if you try to make a claim. Typical exclusions include:

• Injuries from high-risk activities such as scuba diving.
• Problems that happen because you were drunk or using drugs.
• Medical tourism such as going abroad for a face lift or other elective procedure.
• Lost or stolen cash.

The average cost of travel insurance is 6% of your trip cost , based on our analysis. The cost of travel insurance is usually mainly based on the age of travelers and the trip cost being insured.

Unlike many other types of insurance, there are usually only a few factors that go into travel insurance pricing.

You can buy travel insurance from a travel agent, website or a travel supplier like an airline or cruise company. We’ve bought travel insurance online and it’s relatively easy. In our experience you can purchase a policy online within a few minutes.

• Begin shopping for a policy right after you make your first trip deposit. It’s wise to buy travel insurance right after you make your first trip deposit. That way you get the maximum length of time for cancellation coverage. Plus, you’ll qualify for time-sensitive benefits, such as CFAR and pre-existing medical condition exclusion waivers .
• Start by estimating your non-refundable trip cost. If you’re unsure of your trip cost, estimate the amount and then update it later with the travel insurance company, as long as it’s before your departure date.
• Get quotes online or through a travel insurance agent. To get a quote, you typically need the travelers’ ages (or dates of birth), destination, travel dates, and the trip cost being insured.
• Assess policy options and prices. You’ll usually be presented with a selection of policies at different price points, with the more expensive ones usually providing higher coverage levels. Look at the coverage limits for each line item so you know what you’re buying. Once you select a policy, you can buy it online.
• Review the policy. You usually have two weeks or so to further review the policy. If you change your mind, you can get a refund, as long as it’s during the specified review period.

Here are some reasons you may need travel insurance.

You’re Traveling Overseas and Your Health Plan Doesn’t Have Global Coverage

Many health plans lack robust global coverage, or impose high out-of-network deductibles for care outside the U.S. We suggest that you check your health plan details to see what it provides outside the U.S. Travel medical insurance fills the gap.

You’re Going to a Remote Area or Out to Sea

If you won’t be near any quality medical facilities, even a small injury could turn into a major medical event. Medical evacuation coverage will pay to medevac you to an adequate facility.

You’re Traveling to a Hurricane-Prone Destination

If you’re concerned about hurricanes or other severe weather affecting your travel plans, you’ll want to make sure to buy a travel insurance policy that has trip interruption and trip cancellation insurance for hurricanes and other weather events.

If your trip is interrupted or canceled due to severe weather, you can file a claim and be reimbursed 100% for prepaid, non-refundable deposits.

To be eligible to file a travel insurance claim because of a storm, you must have bought your policy before the storm was named. Also, generally one of the following requirements must be met:

• Your destination is under a hurricane warning.
• Your destination is uninhabitable due to severe weather.
• Your (common carrier) airline is delayed for a specified amount of time listed in your policy—for example, six hours.

You Want Emergency Backup

The 24/7 travel assistance lines that are included with travel insurance can assist you with finding a pharmacy, language translation, replacing a lost passport and much more.

You Will Lose a Lot of Money in Non-Refundable Deposits if You Cancel the Trip

You want trip cancellation coverage you’re worried about the money you will lose if you have to cancel the trip.

Trip cancellation will cover 100% of the prepaid money you’ll lose, as long as you cancel for a reason listed in the policy. Problems typically covered for trip cancellation insurance claims include sickness, injury, severe weather, natural disasters, jury duty and more.

Ask an expert

How to Choose the Best Travel Insurance Policy

Shayla Northcutt

Forbes Advisor board member

Michelle Megna

Insurance Lead Editor

Insurance Managing Editor

Les Masterson

Insurance Editor

Ashlee Valentine

Assess Your Needs, Read Reviews

Choosing the right travel insurance policy is like packing an essential item for your trip—you never know when you might need it. I recommend considering not only your travel plans, but also who you are traveling with and their circumstances as well as personal health requirements. That way you can find a policy that offers peace of mind, covering everything from lost luggage to unexpected medical emergencies. It’s also crucial to look into each insurer’s customer service reputation and the ease of their claims process, because if something does happen, you’ll want support that’s both reliable and accessible.

Purchase a Policy When You Book Your Trip

I strongly recommend buying travel insurance as soon as you book your trip. That way you get the maximum length of coverage for trip cancellation benefits. I don’t think many people realize that buying a policy shortly after you make your first deposit also makes you eligible to buy upgrades, such as “cancel for any reason” coverage, and to get other time-sensitive benefits, such as a pre-existing medical condition exclusion waiver.

Buy Travel Medical Insurance for International Trips

If you’re traveling outside of the U.S., I would make sure you buy a policy with ample travel medical and emergency medical evacuation insurance. It’s important because you may have little to no coverage under your U.S. health plan. Look for a policy where the medical insurance is primary, meaning the policy will pay out first, before any other health insurance you have.

Review Travel Delay and Missed Connection Benefits

If you’re flying to your destination, your itinerary could be derailed by weather, airplane mechanical issues or missed connections. If you’re  worried about paying extra money due to a delay or missed connections, I recommend that you look for a policy that has a generous amount of travel delay and missed connection insurance.

Determine If You Need Adventure Activities Coverage

If you plan to participate in extreme sports or adventure excursions, I suggest buying a plan that specifically covers these activities, as they’re often excluded. A travel insurance agent can help you pinpoint a policy that will cover your particular adventures.

Decide How Much Flexibility You Want

I like the idea of “cancel for any reason” travel insurance because you never know what life will bring, and unfortunately it might bring a reason to cancel a trip that’s not covered by the base policy. Having CFAR coverage ensures you can get partial reimbursement for any oddball problems that crop up.

Americans are ready to take trips abroad in May: 86% of travel insurance purchases for trips taking place May 1-31, 2024, are for international trips, based on our analysis of policy sales.

Italy is the top international destination for trips this month, followed by Great Britain and France. In addition:

• The average trip cost being insured for people traveling outside the U.S. in May is $6,339.
• The average trip cost being insured for folks traveling within the U.S. this month is $7,111.
• Americans traveling internationally are paying an average of $405 for their travel insurance policies for May trips and domestic travelers are paying an average of $228.

Average Trip Cost for Popular Destinations

Here’s how average trip costs for five popular destinations are trending over the next three months. Numbers reflect the average of non-refundable trip costs being insured.

• Italy. After a near-record high in April, spending on trips is dipping in May and June, but a significant spike is trending for July trips.
• France. Average trip costs are climbing in May and June, then dropping back down in July.
• Great Britain. Spending on trips is increasing in May and June, with a major uptick in July.
• Japan. Average costs for trips in May are on the rise, but falling in June and July.
• Mexico. Travelers are spending more on trips in May compared to April, but less in June and July.

Forbes Advisor researched and analyzed 39 policies to find the best travel insurance. When companies had more than one travel insurance policy we used the highest-scoring plan. Ratings are based on the following metrics.

Cost (25% of score): We analyzed the average cost for each travel insurance policy for trips to popular destinations:

• Couple, age 30 for a Mexico trip costing $3,000.
• Couple, age 40, for an Italy trip costing $6,000.
• Family of four for an Italy trip costing $15,000.
• Family of four for a France trip costing $15,000.
• Family of four for a U.K. trip costing $15,000.
• Couple, age 65, for an Italy trip costing $6,000.
• Couple, age 70, for a Mexico trip costing $3,000.

Missed connection coverage (10% of score): Travel insurance policies were awarded more points if they include missed connection benefits of $1,000 per person or more.

Medical expenses (10% of score): Travel insurance policies with travel medical expense benefits of $250,000 and up per person were given the highest points.

Medical evacuation (10% of score): Travel insurance policies with medical evacuation expense benefits of $500,000 and up per person were given the highest points.

“Cancel for any reason” upgrade (10%): Travel insurance policies received points if “cancel for any reason” upgrades are offered. More points were awarded for “cancel for any reason” upgrades with reimbursement levels of 75%.

Baggage delay required waiting time (5%): Policies with baggage delay benefits kicking in at 12 hours or less were given points.

Cancel for work reasons (5%): Travel insurance plans that allow cancellations for work reasons were awarded points.

Hurricane and weather (5%): Policies received points if the required waiting period for hurricane and weather coverage was 12 hours or less.

“Interruption for any reason” upgrade (5%): Policies were awarded points if they offered an “interruption for any reason” upgrade.

Pre-existing medical condition exclusion waiver (5%): Points were given to policies that cover pre-existing medical conditions (if purchased within a required timeframe after the first trip deposit).

Travel delay required waiting time (5%): Policies with travel delay benefits kicking in after six hours or less were given points.

Trip interruption travel insurance (5%): Points were given if trip interruption reimbursement is 150% or higher.

While these policies were not among our winners, they may still be good options based on your travel needs. Many of these plans have lower coverage limits, which may be suitable depending on your trip.

What is travel insurance?

Travel insurance is a type of policy that reimburses you for money you lose from non-refundable deposits and payments when something goes wrong on your trip. These problems can range from lost baggage to flight delays to medical problems.

The more you’re spending on your trip, the more you likely need travel insurance. This is especially true for international trips and cruises, where travel problems become more expensive to solve.

What do I need for travel insurance?

The information you need to buy travel insurance includes the trip cost being insured, your age, your destination, length of trip and age. Buying travel insurance online is relatively easy. You don’t have to answer a lot of questions, and you can update your trip cost and itinerary later if plans change, as long as you do so before your departure.

Is there travel insurance for multiple trips?

While standard travel insurance plans are meant to cover one-time trips, frequent travelers should consider an annual travel insurance plan. These plans cover the same issues as a single-trip plan, such as trip cancellation and emergency medical situations. But they also offer the convenience of a one-time purchase for multiple trips.

What type of travel insurance do I need for my parents visiting me in the U.S.?

Travel insurance for parents visiting the U.S. is generally a travel medical insurance policy that helps pay medical costs if they get sick or injured during their visit. There are two main types of visitors medical insurance:

• Limited policies that have fixed benefits: These generally set a cap for what they’ll pay for each medical treatment that’s covered. You may need to pay a deductible for each medical illness or injury and then the policy will pay 100% after that, up to the cap. For example, coverage for an X-ray might be capped at $250.
• Comprehensive visitors insurance policies: These typically cost more but have more robust coverage and don’t put a cap on specific medical problems.

Next Up In Travel Insurance

• Best “Cancel For Any Reason” Travel Insurance Of May 2024
• Best Cruise Insurance Plans Of May 2024
• Best Covid-19 Travel Insurance Plans Of 2024
• Best Senior Travel Insurance Of 2024
• The 5 Cheapest Travel Insurance Companies Of May 2024
• Travel Insurance for Parents Visiting the U.S.

Get Forbes Advisor’s ratings of the best insurance companies and helpful information on how to find the best travel, auto, home, health, life, pet, and small business coverage for your needs.

Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine editor covering consumer technology, a foreign correspondent for Time and various newswires and local newspaper reporter.

Shayla Northcutt is the CEO and founder of Northcutt Travel Agency and a leading world travel expert. Her main expertise includes destination weddings, honeymoons, large group travel, family travel, world travel and travel insurance. Northcutt appears regularly on KHOU 11 and ABC 13 Eyewitness News, among other media outlets, providing guidance on travel insurance for consumers. Her first-hand knowledge of destinations and resorts makes her a leading travel professional. Northcutt is married to an amazing husband and is a mom to two boys, Cayman and Crockett. She found a passion in travel and exploration of all the things the world had to offer. Feeling such a strong connection to the travel industry, she decided to open Northcutt Travel Agency in 2017. Northcutt has visited different parts of Europe numerous times, and has visited over 350 resorts in Mexico and the Caribbean leading to detailed first-hand knowledge of the resorts. She has also sailed on multiple cruise lines, giving her experience with the cruise world as well. The other places Northcutt has visited, and now helps people plan, include Disney, Hawaii, Fiji, Australia, Thailand and all major cruise lines.

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

9 Best Travel Insurance Companies of 2024

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

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

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

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

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

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

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

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

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

SEE FULL REVIEW »

Annual and multitrip policies are available

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

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

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

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

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

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

More limited coverage for baggage issues than other companies

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

Travel insurance policy coverage is tailored to your specific trip

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

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

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

Limited trip cancellation coverage even at the highest tier

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

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

Cancel for any reason coverage costs extra

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

Generous emergency medical and emergency evacuation coverage

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

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

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

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

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

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

Travel Insurance Types: Which One Is Right for You?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Why Trust U.S. News Travel

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

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• Plan Your Trip

What Does United Airlines Trip Insurance Cover

Published: December 6, 2023

Modified: December 28, 2023

by Haily Benn

Introduction

Planning a trip can be an exciting experience, filled with anticipation and dreams of new adventures. But what happens if something goes wrong? Flights can be delayed or canceled, baggage can be lost or delayed, and unexpected medical emergencies can occur. That’s where trip insurance comes in, providing peace of mind and financial protection.

United Airlines understands the importance of protecting their passengers’ travel investment, which is why they offer United Airlines Trip Insurance. This comprehensive insurance coverage is designed to safeguard travelers from unforeseen events that may disrupt or impact their trip. Whether it’s a last-minute change of plans, a medical emergency, or lost baggage, United Airlines Trip Insurance offers a safety net to help mitigate the risks and expenses associated with such situations.

In this article, we will delve into the various aspects of United Airlines Trip Insurance to help you understand what it covers, how to purchase it, and what exclusions or limitations may apply. So, let’s dive in and explore the peace of mind that United Airlines Trip Insurance can provide for your next journey.

What is United Airlines Trip Insurance?

United Airlines Trip Insurance is a form of travel protection offered by United Airlines to its passengers. It is designed to provide coverage for a variety of unforeseen events that may occur before or during a trip. By purchasing this insurance, travelers can mitigate the financial risks associated with cancellation or interruption, lost or delayed baggage, medical emergencies, trip delays or missed connections, emergency evacuation or repatriation, and accidental death and dismemberment.

United Airlines Trip Insurance offers peace of mind by providing financial compensation for eligible expenses incurred due to covered events. Whether you’re traveling domestically or internationally, United Airlines Trip Insurance can be a valuable safeguard to protect your travel investment and ensure that you’re prepared for unexpected circumstances.

It’s important to note that United Airlines Trip Insurance is an optional add-on service and is available for purchase at the time of booking a flight. It is not automatically included with a flight ticket. However, it is highly recommended to consider purchasing trip insurance, especially when traveling to unfamiliar destinations or during peak travel seasons when the likelihood of disruptions is higher.

Now that we’ve covered the basics of United Airlines Trip Insurance, let’s take a closer look at the specific coverage options it offers and how they can benefit travelers.

Coverage for Trip Cancellation or Interruption

One of the primary benefits of United Airlines Trip Insurance is its coverage for trip cancellation or interruption. Life is unpredictable, and unforeseen events such as illness, injury, or family emergencies can force you to cancel or cut short your trip. In such instances, trip insurance can help recoup some or all of the non-refundable expenses you’ve incurred.

With United Airlines Trip Insurance, you can receive reimbursement for eligible expenses such as flight tickets, hotel reservations, and pre-paid activities or tours if you need to cancel your trip before it even begins. Additionally, if your trip is interrupted and you need to return home early, the insurance can help cover the costs associated with changing your flight plans and any unused portions of your trip.

It’s important to review the specific terms and conditions of the United Airlines Trip Insurance policy to understand what events are covered and the documentation required to file a claim. Common covered reasons for trip cancellation or interruption may include illness, injury, the death of a travel companion or immediate family member, severe weather conditions, natural disasters, and unforeseen job loss or transfer.

It’s worth noting that certain events, such as pre-existing medical conditions or cancellation due to fear of traveling, may not be covered unless specified in the policy or if you’ve purchased a waiver for these exclusions. Therefore, it’s crucial to carefully review the insurance terms and consult with a representative if you have any specific concerns or questions regarding trip cancellation or interruption coverage.

Having trip insurance coverage for trip cancellation or interruption means you can embark on your journey with the peace of mind that if unexpected circumstances arise, you have financial protection to mitigate the impact on your travel plans and expenses.

Coverage for Lost or Delayed Baggage

There’s nothing more frustrating than arriving at your destination only to find out that your baggage has been lost or delayed. It can disrupt your plans and leave you without essential items during your trip. That’s where United Airlines Trip Insurance comes in to provide coverage and assistance in such situations.

If your baggage is lost, damaged, or delayed for an extended period of time, United Airlines Trip Insurance can help compensate you for the inconvenience and any necessary purchases you need to make to replace essential items. This coverage ensures that you’re not left out of pocket for items you had packed for your trip.

When your baggage is lost, the insurance can provide reimbursement for the value of the missing items, up to the policy limit. If your baggage is delayed, the insurance can cover reasonable expenses for purchasing essential clothing, toiletries, and other necessities until your baggage is returned to you.

It’s important to note that there are certain limitations and exclusions to the coverage for lost or delayed baggage. For example, valuable items such as electronics, jewelry, and money may have limited coverage. Additionally, the insurance may require you to report the loss or delay to the airline and provide supporting documentation.

Prior to your trip, it’s recommended to take certain precautions to minimize the risk of lost or delayed baggage, such as using durable luggage tags, packing essentials in your carry-on, and ensuring that your checked luggage is properly secured. However, even with these precautions, mishaps can occur, which is why having baggage coverage through United Airlines Trip Insurance can provide much-needed peace of mind.

In the unfortunate event of lost or delayed baggage, contacting the United Airlines customer service and following the necessary procedures will be crucial in starting the claims process and ensuring that you receive the reimbursement you’re entitled to.

Coverage for Medical Expenses

When traveling, the last thing you want to worry about is a sudden illness or injury. However, unforeseen medical emergencies can happen at any time. That’s why United Airlines Trip Insurance includes coverage for medical expenses, ensuring that you have access to necessary medical care without bearing the burden of exorbitant costs.

If you fall ill or sustain an injury during your trip, United Airlines Trip Insurance can help cover eligible medical expenses such as doctor visits, hospital stays, prescription medications, and emergency medical transportation. This coverage is particularly important when traveling to international destinations, where medical costs may be significantly higher than what you’re accustomed to.

It’s important to note that pre-existing medical conditions may have specific limitations or exclusions under the United Airlines Trip Insurance policy. However, some policies offer options to include coverage for pre-existing conditions by purchasing a waiver or meeting certain eligibility requirements.

In the event of a medical emergency, it’s crucial to contact the emergency assistance hotline provided by the insurance company to ensure proper medical care and reimbursement. They can guide you through the process, assist in finding quality medical facilities, and help coordinate payments directly with the healthcare providers.

Having medical expense coverage through United Airlines Trip Insurance not only provides financial protection but also offers peace of mind knowing that you have access to necessary healthcare services, especially when traveling to unfamiliar destinations where navigating the local healthcare system can be challenging.

Before purchasing United Airlines Trip Insurance, it’s advisable to carefully review the policy details, including the coverage limits, exclusions, and documentation required to file a claim. Additionally, if you have any pre-existing medical conditions, it’s important to fully understand the coverage available to you based on the policy terms.

Investing in travel insurance that includes medical expense coverage can ensure that your health and well-being are protected throughout your journey, allowing you to fully enjoy your trip without worrying about unexpected medical bills.

Coverage for Trip Delay or Missed Connections

Travel delays and missed connections are unfortunate occurrences that can disrupt your travel plans and cause inconvenience and frustration. Fortunately, United Airlines Trip Insurance includes coverage for such situations, providing assistance and compensation to help alleviate the impact.

If your flight is delayed for a significant amount of time or you miss a connecting flight due to circumstances beyond your control, such as inclement weather, mechanical issues, or air traffic congestion, United Airlines Trip Insurance can provide reimbursement for reasonable expenses incurred during the delay.

These expenses can include meals, accommodations, transportation, and necessary phone calls or internet usage. The insurance coverage ensures that you’re not left stranded or forced to incur additional costs due to circumstances outside of your control.

It’s important to carefully review the policy terms and conditions to understand the specific coverage limits and requirements. Some policies may have a minimum delay time before coverage kicks in, while others may require documentation such as airline-provided delay verification or receipts for expenses.

In the event of a trip delay or missed connection, it’s advisable to contact the United Airlines customer service or the insurance company’s assistance hotline to report the situation and seek guidance on the necessary steps to file a claim and receive compensation.

Travel delays and missed connections can be stressful, but knowing that you have coverage through United Airlines Trip Insurance can provide peace of mind by ensuring that you have access to necessary resources and financial assistance when facing such situations.

Remember that the coverage for trip delay or missed connections is not a guarantee for compensation in every situation, and there may be limitations and exclusions outlined in the policy. Therefore, familiarizing yourself with the policy details and understanding your rights and responsibilities is essential to make the most of this coverage.

By having trip delay or missed connection coverage, you can navigate unforeseen disruptions with confidence, knowing that you have financial protection and support to help make the best of any unexpected circumstances that may arise during your journey.

Coverage for Emergency Evacuation or Repatriation

While we hope that our travels will be smooth and uneventful, emergencies can happen, and it’s important to be prepared. United Airlines Trip Insurance includes coverage for emergency evacuation or repatriation, providing crucial assistance and support in unforeseen circumstances that require immediate action.

In the event of a medical emergency or a natural disaster that poses a threat to your safety, United Airlines Trip Insurance can cover the costs associated with emergency medical transportation and evacuation to the nearest qualified medical facility or back to your home country.

Medical evacuations can be complex and costly, involving specialized aircraft, medical professionals, and coordination with local authorities. The insurance coverage ensures that you are not burdened with these expenses during a distressing situation.

In addition to emergency medical evacuation, United Airlines Trip Insurance may also include coverage for repatriation, which is the cost of returning your remains to your home country in the unfortunate event of your death while traveling.

It’s important to note that the coverage for emergency evacuation and repatriation varies depending on the specific policy and the circumstances leading to the evacuation or repatriation. Understanding the terms and conditions of your policy and any exclusions or limitations is essential.

In case of an emergency or the need for evacuation or repatriation, it’s crucial to contact the United Airlines customer service or the insurance company’s emergency assistance hotline immediately for guidance and support. They will coordinate the necessary arrangements and ensure your safety and well-being in such challenging situations.

Having coverage for emergency evacuation or repatriation through United Airlines Trip Insurance provides peace of mind, knowing that you have financial protection and assistance when facing critical and potentially life-threatening situations during your travels.

Remember to carry your insurance information with you at all times and familiarize yourself with the necessary steps to access emergency services under your policy. Being prepared and informed can make a significant difference in an emergency situation.

Coverage for Accidental Death and Dismemberment

While traveling, the last thing we want to think about is the possibility of accidents or injuries. However, it’s important to be prepared for the unexpected. United Airlines Trip Insurance offers coverage for accidental death and dismemberment, providing financial protection in the unfortunate event of a covered accident.

If you sustain accidental bodily injuries during your trip that result in death, loss of limb(s), or permanent disability, the accidental death and dismemberment coverage provided by United Airlines Trip Insurance can help provide compensation to you or your beneficiaries.

The coverage typically includes a specific schedule of benefits, outlining the amount payable for different types of injuries or loss. The benefits are usually based on a percentage of the coverage amount specified in the policy.

It’s important to note that this coverage is specifically for accidents and does not cover illnesses or natural causes. Additionally, the policy may have certain exclusions and limitations, such as injuries resulting from risky activities or pre-existing conditions.

In the unfortunate event of an accident resulting in death or dismemberment, it is crucial to immediately notify the United Airlines customer service or the insurance company’s claims department to initiate the claims process and provide the necessary documentation and evidence.

While we never want to think about accidents or injuries during our travels, having coverage for accidental death and dismemberment through United Airlines Trip Insurance offers peace of mind, particularly for individuals who engage in activities with inherent risks or undertake adventurous trips.

Before purchasing the insurance, make sure to carefully review the policy terms and conditions to understand the covered accidents, benefit amounts, and any exclusions or limitations that may apply. If you have any specific concerns or questions regarding this coverage, consulting with a representative can provide clarity and ensure that you have the appropriate coverage for your needs.

Traveling should be a joyful and exciting experience, but having the added protection of accidental death and dismemberment coverage ensures that you or your loved ones are financially protected in case of unexpected accidents during your journey.

Exclusions and Limitations of United Airlines Trip Insurance

While United Airlines Trip Insurance provides valuable coverage for a wide range of unforeseen events, it is important to understand that there are certain exclusions and limitations to be aware of. These exclusions and limitations outline the circumstances in which the insurance may not provide coverage or where coverage may be reduced or restricted.

Some common exclusions and limitations of United Airlines Trip Insurance include:

• Pre-existing medical conditions: Unless specified in the policy or if a waiver has been purchased, expenses related to pre-existing medical conditions may not be covered.
• Intentional self-inflicted injuries or suicide: Any injuries or incidents resulting from intentional self-harm or suicide attempts are typically excluded from coverage.
• Acts of war or terrorism: Losses or incidents resulting from acts of war, declared or undeclared, and acts of terrorism may be excluded from coverage.
• Reckless or unlawful behavior: Any losses or incidents that occur as a result of engaging in reckless or unlawful behavior may not be covered.
• Participation in extreme sports or hazardous activities: Coverage may be limited or excluded for injuries or incidents that occur while participating in certain extreme sports or hazardous activities, such as mountaineering, skydiving, or racing.
• Travel to high-risk destinations: Some policies may exclude coverage for travel to specific high-risk destinations, as determined by the insurance provider.

It is crucial to carefully review the policy documents and understand the specific exclusions and limitations prior to purchasing United Airlines Trip Insurance. This will help you understand the boundaries of coverage and make informed decisions when planning your trip.

In addition to the exclusions and limitations, it’s essential to understand the documentation and evidence required to file a claim. Failure to provide the necessary documentation may result in a denial or reduction of the claim.

It’s worth noting that the specific exclusions, limitations, and documentation requirements may vary depending on the policy and the insurance provider. Therefore, it’s advisable to carefully read through the policy documents and reach out to a representative if you have any questions or need clarification on any of the exclusions or limitations.

By understanding the exclusions and limitations of United Airlines Trip Insurance, you can have a more realistic expectation of the coverage provided and ensure that you’re adequately prepared for any potential gaps in coverage.

How to Purchase United Airlines Trip Insurance

Purchasing United Airlines Trip Insurance is a straightforward and convenient process, designed to provide travelers with peace of mind and financial protection for their journeys. Here’s a step-by-step guide on how to purchase United Airlines Trip Insurance:

• Visit the United Airlines website: Begin by visiting the official United Airlines website. Navigate to the section specifically dedicated to travel insurance.
• Select your trip details: Enter the required information about your trip, including the destination, travel dates, and the number of travelers. This will help determine the appropriate insurance options applicable to your trip.
• Review the available coverage options: Once you have entered your trip details, the website will provide you with the available insurance coverage options. United Airlines typically offers a range of options to suit different travel needs and budgets.
• Compare coverage details: Take the time to carefully review the coverage details and benefits of each insurance option. Pay attention to the specific events covered, coverage limits, and any additional benefits or add-ons available.
• Select your preferred insurance option: After comparing the coverage details, choose the insurance option that best aligns with your travel needs and provides the desired level of protection.
• Enter traveler information: Provide the necessary information for each traveler included in the insurance policy. This may include names, ages, contact information, and other relevant details.
• Review and confirm: Before completing the purchase, take a moment to review the policy details, including the coverage summary, terms and conditions, and any additional disclosures. Ensure that you understand the coverage provided and any exclusions or limitations.
• Make the payment: Once you are satisfied with your selection and have reviewed the details, proceed to make the payment for the United Airlines Trip Insurance. Follow the instructions provided on the website to complete the transaction securely.
• Receive insurance confirmation: After making the payment, you will receive a confirmation of your insurance purchase. Keep this confirmation information in a safe place, as it will contain vital details and contact information in case you need to make a claim or seek assistance during your trip.

Remember to print or save a digital copy of the insurance confirmation and carry it with you during your travels. This documentation will serve as proof of coverage and will be necessary if you need to make a claim or contact the insurance provider while on your trip.

If you have any questions or encounter any issues during the purchase process, don’t hesitate to reach out to the United Airlines customer service or the insurance provider’s support team for assistance.

By following these simple steps, you can easily purchase United Airlines Trip Insurance and embark on your journey with confidence, knowing that you have reliable coverage in case of unexpected events.

United Airlines Trip Insurance offers a comprehensive and valuable option for travelers seeking financial protection and peace of mind during their journeys. Whether you’re concerned about trip cancellation or interruption, lost baggage, medical emergencies, trip delays, or other unforeseen events, United Airlines Trip Insurance provides coverage to mitigate the risks and expenses associated with such situations.

By purchasing United Airlines Trip Insurance, you can travel with confidence, knowing that you have a safety net in place to protect your travel investment. The insurance offers coverage for a wide range of events, including trip cancellation or interruption, lost or delayed baggage, medical expenses, trip delays or missed connections, emergency evacuation or repatriation, and accidental death and dismemberment.

However, it’s important to carefully review the terms and conditions of the policy, including the coverage limits, exclusions, and documentation requirements. This will ensure that you have a clear understanding of what is covered and how to file a claim in case of an unforeseen event.

Purchasing United Airlines Trip Insurance is a simple and convenient process that can be done online through the United Airlines website. By following the step-by-step guide provided, you can select the appropriate coverage for your trip and enjoy the added peace of mind that comes with having insurance protection.

Remember to keep a copy of your insurance confirmation with you during your trip and familiarize yourself with the necessary contact information for the insurance provider. This way, you can easily access assistance or file a claim if the need arises.

In conclusion, United Airlines Trip Insurance offers a valuable safety net for travelers, ensuring that they are financially protected against unexpected events that could disrupt or impact their journeys. By considering purchasing trip insurance, you can minimize the potential risks and uncertainties of travel and focus on enjoying your trip to the fullest.

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• Travel Insurance Plans
• AXA Assistance USA Cost

Compare AXA Travel Insurance

• Why You Should Trust Us

AXA Assistance USA Travel Insurance Review 2024

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

Travel insurance is important because it can help cover the cost of unexpected medical expenses while you're traveling. It can also reimburse you for lost or stolen baggage, canceled flights, and other unforeseeable problems that may occur while you're away from home.

Simply put, there's a lot to consider.

But not all policies are created equal, and you must understand what you're covered for before you purchase a policy. This article will look in-depth at AXA Assistance USA travel insurance. We'll discuss the costs, coverage limits, exclusions, and more to help you make an informed decision about whether or not this particular travel insurance provider is right for you.

• Trip cancellation coverage of up to 100% of the trip cost
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
• con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
• con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

• Silver, Gold, and Platinum plans available
• Trip interruption coverage of up to 150% of the trip cost
• Emergency medical coverage of up to $250,000

Introduction to AXA Travel Insurance

AXA Assistance USA is among the best travel insurance companies . It covers the fundamentals of travel insurance, with coverage for trip cancellations, medical expenses, and emergency medical/non-medical evacuation. With three plans, AXA also offers coverage for travelers with various budgets.

It's worth noting that many important add-ons aren't available for AXA's cheapest Silver plan, such as pre-existing condition coverage, rental car add-ons, and Schengen travel insurance. Cancel for any reason coverage is also only available for AXA's most expensive Platinum plan. 

Coverage Options Offered by AXA 

AXA Assistance USA offers three levels of coverage: Silver, Gold, and Platinum. Each plan comes with different protections and varying coverage limits, with the Silver being the most basic option and Platinum offering the most premium coverage.

Some policies might even include added coverage free of charge, such as a waiver for pre-existing conditions , which is free for Gold and Platinum plans as long as you purchase your plan within 14 days of your trip deposit.

Specialized Coverage Options

The plan you purchase will determine which add-ons are available. For example, those with a Platinum plan can add CFAR (cancel for any reason) coverage , allowing you to receive a full refund if you cancel your trip within 14 days of making the initial deposit.

Or, if you want extra protection for your rental car, depending on your AXA plan, you might be able to add a collision damage waiver (CDW). Policyholders with Gold plans can add $35,000 CDW, and those with Platinum plans can include $50,000 CDW.

If you're traveling within the Schengen Territory, which is made up of 27 European countries, you may eligible for Schengen Travel Insurance, which covers you in all 27 countries. This option is only available for Gold and Platinum travelers and coverage lasts up to 90 days.

AXA Assistance USA Travel Insurance Cost

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

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

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

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

• AXA Silver: $83
• AXA Gold: $107
• AXA Platinum: $127

Premiums for AXA plans are between 2.7% and 4.2% of the trip's cost, well below the average cost of travel insurance. It's also relatively cheap compared to many of its competitors

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

• AXA Silver: $109
• AXA Gold: $128
• AXA Platinum: $153

Once again, premiums forAXA plans are between 3.6% and 3.8%, below the average cost for travel insurance.

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

• AXA Silver: $392
• AXA Gold: $462
• AXA Platinum: $550

Premiums for AXA plans are between 6.5% and 9.2%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to Purchase and Manage Your AXA Policy

The process of purchasing an AXA policy is simple. After obtaining your quote, you'll need to decide which of AXA's three plans you want to buy. When you pay for your plan, be prepared to provide additional personal information, like your birthday, phone number, and address. 

Once you finalize your purchase, you'll have a 10-day free look period, in which you can cancel your policy and get your money back. 

How to File a Claim with AXA Travel Insurance

To file a claim with AXA Assistance USA, head to the claims forms online to find the appropriate form. Once you've filled out your form and gathered the required documentation, you can email them to [email protected] or send them by mail to:

AXA Assistance USA

On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies

P.O. Box 26222

Tampa, FL 33623

If you need assistance when filing claims, AXA's claims office can be reached at 1-888-957-5015 (within the U.S.) and 1-727-450-8794 (outside the U.S.). Office hours are 9:30 a.m.-5 p.m. ET on Thursdays and 8:30 a.m.-5 p.m. ET on all other weekdays. 

AXA Customer Service Reviews

AXA's U.S. branch has few reviews on Trustpilot and the Better Business Bureau — just over 20 between the two sites. Its UK branch has over 1,100 reviews, most of which are overwhelmingly negative. However, the quality of AXA Travel Insurance UK isn't necessarily indicative of its U.S. coverage. 

In fact, on SquareMouth, where the majority of AXA U.S.'s reviews, reviews are generally positive. It received an average of 4.22 stars out of five across over 900 reviews. Customers reported that adjusting an AXA policy was easy and the customer service team was responsive. However, reviews on the claims process was more mixed, with spotty communication and long wait times. 

See how AXA travel insurance compares to top travel insurance providers.

AXA Assistance USA vs. AIG Travel Guard

When comparing AXA to Travel Guard , we'll look at the coverage levels from their mid-tier plans, the Silver plan and Travel Guard Preferred plan, respectively.

With Travel Guard Preferred plan, you'll get:

• Trip cancellation coverage up to $150,000
• Trip interruption coverage up to $225,000
• Emergency medical coverage of $50,000
• Coverage for baggage loss, theft, or damage up to $1,000
• Travel delay coverage of up to $800

Comparing those Travel Guard coverages with AXA's Silver plan, you'll see that AXA's coverage limits are a bit higher. With AXA's Silver plan you'll get $100,000 in emergency medical coverage, for example. And the baggage loss coverage limit is up to $1,500.

If you're looking for greater coverage limits, AXA makes the most sense in this scenario. But premiums will also vary based on factors like the traveler's age, trip destination, and trip cost. So you'll have to run your own numbers to make a final decision.

Read our AIG Travel Insurance review here.

AXA Assistance USA vs. Allianz Travel Insurance

Allianz Travel Insurance provides single-trip and multi-trip insurance for travelers who want to go abroad for an extended period of time. And, like with all insurance, the various plans have varying degrees of coverage.

Allianz Travel Insurance's most popular single-trip option is the OneTrip Prime plan, which offers:

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Emergency medical coverage for $50,000
• Coverage for baggage loss, theft or damage up to $1,000
• Travel delay coverage up to $800

Looking at AXA's mid-tier Silver plan, you'll see that, again, AXA offers more coverage for emergency medical and baggage loss, theft, or damage than Allianz Travel Insurance. That said, if cost is an essential factor for you, you'll have to get quotes using your personal trip information to make an informed decision.

Read our Allianz Travel Insurance review here.

AXA Assistance USA vs. Credit Card Travel Insurance

Already have a great travel credit card, like the Chase Sapphire Reserve or American Express Platinum? Some of the standard coverages, such as rental car insurance, may be included in the card you already have. It's a good idea to research the terms of your credit card's travel protection before purchasing a separate travel insurance policy.

If you're driving to your destination and don't have any non-refundable trip expenses, the coverage from your credit card may be enough. Another time it might work is if you have health insurance covering you while abroad and you're in good health without worrying about possible medical costs.

It's essential to remember that credit card coverage is usually secondary. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Why You Should Trust Us: How We Reviewed AXA Assistance USA

We researched AXA by evaluating its travel insurance plans compared to other plans from the top travel insurance companies. The aspects we looked at included, but were not limited to, different coverage options, claims limits, what is covered, available add-ons, and extra services for policy holders.

What's important when choosing a policy isn't just the price — it's making sure you're getting adequate coverage that meets your needs without breaking the bank. Filing a claim should also be easy and stress-free if you ever have to use your policy.

Read more about how Business Insider rates insurance products here.

AXA Assistance USA FAQs

If you're diagnosed with COVID-19 before a trip and need to cancel, AXA may cover your expenses. Additionally, a COVID-19 diagnosis during a trip may be covered under AXA's medical expense, trip interruption, and trip delay benefits. Be sure to review your policy to ensure coverage details. 

While you may extend your coverage in certain circumstances, such as extended hospitalization, and update your travel dates prior to your departure, you can't extend AXA travel insurance plans while you're traveling. 

AXA's Gold and Platinum plan cover pre-existing medical conditions as long as you purchase your policy within 14 days of your initial trip deposit. AXA's Silver plan does not cover pre-existing conditions and has a 60-day look-back period. 

You can download AXA claims forms on its website and email them to [email protected].

AXA isn't the most flexible travel insurance company and isn't great at specializing, but it offers comprehensive general coverage. Its prices aren't significantly more expensive or cheaper than its competitors. 

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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.

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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 .

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11 Best Travel Insurance Companies in May 2024

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

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

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

How we found the best travel insurance

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

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

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

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

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

Best insurance companies

Types of travel insurance

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

Berkshire Hathaway Travel Protection

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

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

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

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

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

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

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

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

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

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

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

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

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

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

Read our full review of Allianz Global Assistance .

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

Travel Guard by AIG

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

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

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

What else makes Travel Guard by AIG great:

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

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

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

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

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

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

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

What else makes Travel Insured International great:

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

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

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

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

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

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

What else makes World Nomads great:

Comprehensive international travel insurance plans.

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

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

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

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

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

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

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

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

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

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

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

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

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

What else makes Seven Corners great:

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

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

Read our full review of Seven Corners .

Best for long-term travelers: IMG

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

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

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

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

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

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

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

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

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

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

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

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

What else makes TravelSafe great:

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

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

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

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

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

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

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

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

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

Trip cancellation

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

Trip interruption

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

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

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

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

Cancel For Any Reason

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

Typically, adding this protection to your plan costs extra.

Baggage delay

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

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

Lost baggage

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

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

Travel medical insurance

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The Bahamas.

Costa Rica.

Antarctica.

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

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

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

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

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

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

on Chase's website

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Consider a few key questions:

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

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

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

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

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

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

In general, buying travel insurance

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

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

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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Home » Europe » Moscow

EPIC MOSCOW Itinerary! (2024)

Moscow is the heart of Mother Russia. Just the mention of this city conjures images of colorful bulbous pointed domes, crisp temperatures, and a uniquely original spirit!

Moscow has an incredibly turbulent history, a seemingly resilient culture, and a unique enchantment that pulls countless tourists to the city each year! Although the warmer months make exploring Moscow’s attractions more favorable, there’s just something about a fresh snowfall that only enhances the appearance of the city’s iconic sites!

If you’re a first-time visitor to Moscow, or simply wanting to see as much of the city as possible, this Moscow itinerary will help you do just that!

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Best Time To Visit Moscow

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Here is a quick look at the seasons so you can decide when to visit Moscow!

The summer months (June-August) are a great time to travel to Moscow to take advantage of the enjoyable mild temperatures. This is considered peak travel season. Bear in mind that hotel prices rise along with the temperatures!

If you’re planning a trip to Moscow during fall (September-November) try to plan for early fall. This way the temperatures will still be pleasant and winter won’t be threatening.

Russian winters (December-February) are not for the faint of heart as Napoleon learned to his peril. Some days the sun will be out for less than an hour, and snow is guaranteed. Although winters are exceptionally cold, this is when you’ll get a true glimpse of the Moscow experience!

The best time to visit Moscow is during spring  (March-May). The temperatures will begin to creep up and the sun begins to shine for significant portions of the day. Hotel rates will also have yet to skyrocket into peak ranges!

With a Moscow City Pass , you can experience the best of Moscow at the CHEAPEST prices. Discounts, attractions, tickets, and even public transport are all standards in any good city pass – be sure invest now and save them $$$ when you arrive!

Moscow is a large city with many accommodation options to choose from. Staying in a location that fits with your travel plans will only enhance your Moscow itinerary. Here is a brief introduction to a few great areas of the city we recommend checking out!

The best place to stay in Moscow to be close to all the action is Kitay-Gorod. This charming neighborhood will put you within walking distance to Moscow’s famous Red Square, thus cutting down on travel time. This will allow you to see more of the city in a shorter amount of time!

It’s surrounded by restaurants, cafes, bars, and shops. If you’re a first-time visitor to Moscow, or just planning a quick weekend in Moscow, then this area is perfect for you!

Another great area to consider is the Zamoskvorechye district. This area of the city offers a blend of new and old Moscow. It has an artsy vibe and there are plenty of fun sites you can explore outside of the main touristy areas of Moscow.

Of course, as in all areas of Moscow, it’s close to public transportation that will quickly connect you with the rest of the city and make your Moscow itinerary super accessible!

Best Airbnb in Moscow – Exclusive Apartment in Old Moscow

Modern and cozy, this apartment is in the heart of Old Moscow. Bordering the Basmanny and Kitay-Gorod districts, this two-bedroom flat is walking distance to the Kremlin and Red Square. Safe, quiet, and comfortable, this is the best Airbnb in Moscow, no question!

Best Budget Hotel in Moscow – Izmailovo Alfa Hotel

The Izmailovo Alfa Hotel is a very highly rated accommodation that provides all the components necessary for a comfortable trip to Moscow. There is an on-site restaurant, bar, fitness center, and an airport shuttle service. The rooms are modern and spacious and are equipped with a TV, heating/air conditioning, minibar, and more!

Best Luxury Hotel in Moscow – Crowne Plaza Moscow World Trade Centre

If you’re touring Moscow in luxury, the Crowne Plaza Moscow World Trade Centre is the hotel for you! Elegantly furnished rooms are equipped with a minibar, flat-screen TV,  in-room safes, as well as tea and coffee making facilities! Bathrooms come with bathrobes, slippers, and free toiletries. There is also an onsite restaurant, bar, and fitness center.

Best Hostel in Moscow – Godzillas Hostel

Godzillas Hostel is located in the center of Moscow, just a short walk from all the major tourist attractions and the metro station. Guests will enjoy all the usual hostel perks such as self-catering facilities, 24-hour reception, Free Wi-Fi, and security lockers. This is one of the best hostels in Moscow and its wonderful social atmosphere and will make your vacation in Moscow extra special!

An important aspect of planning any trip is figuring out the transportation situation. You’re probably wondering how you’re going to get to all of your Moscow points of interest right? Luckily, this sprawling city has an excellent network of public transportation that will make traveling a breeze!

The underground metro system is the quickest and most efficient way to travel around Moscow. Most visitors rely exclusively on this super-efficient transportation system, which allows you to get to pretty much anywhere in the city! It’s also a great option if you’re planning a Moscow itinerary during the colder months, as you’ll be sheltered from the snow and freezing temperatures!

If you prefer above-ground transportation, buses, trams, and trolleybuses, run throughout the city and provide a rather comfortable alternative to the metro.

Moscow’s metro, buses, trams, and trolleybuses are all accessible with a ‘Troika’ card. This card can be topped up with any sum of money at a metro cash desk. The ticket is simple, convenient, and even refundable upon return to a cashier!

No matter which method you choose, you’ll never find yourself without an easy means of getting from point A to point B!

Red Square | Moscow Kremlin | Lenin’s Mausoleum | St. Basil’s Cathedral  | GUM Department Store

Spend the first day of your itinerary taking your own self guided Moscow walking tour around the historic Red Square! This is Moscow’s compact city center and every stop on this list is within easy walking distance to the next! Get ready to see all of the top Moscow landmarks!

Day 1 / Stop 1 – The Red Square

• Why it’s awesome: The Red Square is the most recognizable area in Moscow, it has mesmerizing architecture and centuries worth of history attached to its name.
• Cost: Free to walk around, individual attractions in the square have separate fees. 
• Food nearby: Check out Bar BQ Cafe for friendly service and good food in a great location! The atmosphere is upbeat and they’re open 24/7!

The Red Square is Moscow’s historic fortress and the center of the Russian government. The origins of the square date back to the late 15th century, when Ivan the Great decided to expand the Kremlin to reflect Moscow’s growing power and prestige!

During the 20th century, the square became famous as the site for demonstrations designed to showcase Soviet strength. Visiting the Red Square today, you’ll find it teeming with tourists, who come to witness its magical architecture up close!

The square is the picture postcard of Russian tourism, so make sure to bring your camera when you visit! No matter the season, or the time of day, it’s delightfully photogenic! 

It’s also home to some of Russia’s most distinguishing and important landmarks, which we’ve made sure to include further down in this itinerary. It’s an important center of Russia’s cultural life and one of the top places to visit in Moscow!

In 1990, UNESCO designated Russia’s Red Square as a World Heritage site. Visiting this historic site is a true bucket-list event and essential addition to your itinerary for Moscow!

Day 1 / Stop 2 – The Moscow Kremlin

• Why it’s awesome: The Moscow Kremlin complex includes several palaces and cathedrals and is surrounded by the Kremlin wall. It also houses the principal museum of Russia (the Kremlin Armory).
• Cost: USD $15.00
• Food nearby: Bosco Cafe is a charming place to grat a casual bite to eat. They have excellent coffee and wonderful views of the Red Square and the Moscow Kremlin!

The iconic Moscow Kremlin , also known as the Kremlin museum complex, sits on Borovitsky Hill, rising above the Moscow River. It is a fortified complex in the center of the city, overlooking several iconic buildings in the Red Square!

It’s the best known of the Russian Kremlins – citadels or fortress’ protecting and dominating a city. During the early decades of the Soviet era, the Kremlin was a private enclave where the state’s governing elite lived and worked.

The Kremlin is outlined by an irregularly shaped triangular wall that encloses an area of 68 acres! The existing walls and towers were built from 1485 to 1495. Inside the Kremlin museum complex, there are five palaces, four cathedrals, and the enclosing Kremlin Wall with Kremlin towers.

The Armoury Chamber is a part of the Grand Kremlin Palace’s complex and is one of the oldest museums of Moscow, established in 1851. It showcases Russian history and displays many cherished relics. Definitely make sure to check out this museum while you’re here!

The churches inside the Moscow Kremlin are the Cathedral of the Dormition, Church of the Archangel, Church of the Annunciation, and the bell tower of Ivan Veliki (a church tower).

The five-domed Cathedral of the Dormition is considered the most famous. It was built from 1475–1479 by an Italian architect and has served as a wedding and coronation place for great princes, tsars, and emperors of Russia. Church services are given in the Kremlin’s numerous cathedrals on a regular basis.

The Grand Kremlin Palace was the former Tsar’s Moscow residence and today it serves as the official workplace of the President of the Russian Federation (Vladimir Putin seems to have bagged that title for life) .

Insider Tip: The Kremlin is closed every Thursday! Make sure to plan this stop on your Moscow itinerary for any other day of the week!

Day 1 / Stop 3 – Lenin’s Mausoleum

• Why it’s awesome: The mausoleum displays the preserved body of Soviet leader Vladimir Lenin .
• Cost: Free!
• Food nearby: Khinkal’naya is a charming Georgian restaurant with vaulted ceilings and exposed brick. It’s a popular place with locals and right next to the Red Square!

Lenin’s Mausoleum, also known as Lenin’s Tomb, is the modernist mausoleum for the revolutionary leader Vladimir Lenin. It’s located within the Red Square and serves as the resting place for the Soviet leader! His preserved body has been on public display since shortly after his death in 1924.

It’s located just a few steps away from the Kremlin Wall and is one of the most controversial yet popular Moscow attractions!

Admission is free for everyone, you’ll only need to pay if you need to check a bag. Before visitors are allowed to enter the mausoleum, they have to go through a metal detector first. No metal objects, liquids, or large bags are allowed in the mausoleum!

Expect a line to enter the building, and while you’re inside the building, you’ll be constantly moving in line with other visitors. This means you won’t be able to spend as long as you’d like viewing the mausoleum, but you’ll still be able to get a good look. Pictures and filming while inside the building are strictly prohibited, and security guards will stop you if they see you breaking this rule.

The mausoleum is only open on Tuesday, Wednesday, Thursday, and Saturday – unless it’s a public holiday or a day scheduled for maintenance. The hours it’s open for each day are limited, make sure to check online before you visit to make sure you can fit this into your Moscow itinerary for that day!

Insider Tip: The Lenin’s Museum is there for people to pay their respect; remember to keep silent and move along quickly, it’s not intended for people to congregate around. Also, men are not allowed to wear hats and everyone must take their hands out of their pockets when inside the building.

Day 1 / Stop 4 – St. Basil’s Cathedral

• Why it’s awesome: A dazzling designed cathedral that showcases Russia’s unique architecture. This cathedral is one of the most recognizable symbols of the country!
• Cost: USD $8.00
• Food nearby: Moskovskiy Chaynyy Klub is a cozy cafe serving food items and pipping hot tea; it’s the perfect place to go if you’re visiting Moscow during the winter months!

Located in the Red Square, the ornate 16th-century St. Basil’s Cathedral is probably the building you picture when you think of Moscow’s unique architecture. Its colorful onion-shaped domes tower over the Moscow skyline!

The cathedral was built from 1555-1561 by order of Tsar Ivan the Terrible. It was designed with an iconic onion dome facade and enchanting colors that captivate all who see it. Fun fact: If you’re wondering why Russian churches have onion domes, they are popularly believed to symbolize burning candles!

This iconic cathedral has become a symbol of Russia due to its distinguishing architecture and prominent position inside the Red Square. It’s one of the most beautiful, wonderful, and mesmerizing historical cathedrals in the world!

The interior of the church surprises most people when they visit. In contrast to the large exterior, the inside is not so much one large area, but rather a collection of smaller areas, with many corridors and small rooms. There are 9 small chapels and one mausoleum grouped around a central tower.

Visiting the inside is like walking through a maze, there are even small signs all around the cathedral tracing where to walk, and pointing you in the right direction! The walls are meticulously decorated and painted with intricate floral designs and religious themes.

The church rarely holds service and is instead a museum open for the public to visit.

Insider Tip: During the summer months the line to go inside the cathedral can get quite long! Make sure to arrive early or reserve your tickets online to guarantee quick access into the cathedral!

Day 1 / Stop 5 – GUM Department Store

• Why it’s awesome: This is Russia’s most famous shopping mall! It’s designed with elegant and opulent architecture and provides a real sense of nostalgia!
• Cost: Free to enter
• Food nearby: Stolovaya 57 is a cafeteria-style restaurant with a variety of inexpensive Russian cuisine menu items including soups, salads, meat dishes, and desserts. It’s also located inside the GUM department store, making it very easily accessible when you’re shopping!

The enormous GUM Department Store is located within the historic Red Square. It has a whimsical enchantment to it that sets it apart from your typical department store.

A massive domed glass ceiling lines the top of the building and fills the interior with natural sunlight. There are live plants and flowers placed throughout the mall that give the shopping complex a lively and cheerful feel! A playful fountain sits in the center, further adding to the malls inviting a sense of wonder and amusement!

The GUM department store opened on December 2, 1893. Today, it includes local and luxury stores, including Fendi, Louis Vuitton, Prada, and many more! There are numerous cafes, restaurants, and even a movie theater inside!

For a special treat, head into Gastronom 1. This 1950s-style shop sells gourmet food items, like wine, freshly-baked pastries, cheese, Russian chocolate, and of course, vodka! Also, be on the lookout for a bicycle pedaling ice cream truck with an employing selling ice cream!

The ambiance is simply amazing, a trip to this idyllic shopping mall is an absolute must on any Moscow itinerary!

Insider Tip: Make sure to carry some small change on you in case you need to use the restroom, you’ll need to pay 50 rubles – or about USD $0.80 to use the bathroom in GUM.

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Novodevichy Convent | Gorky Park | State Tretyakov Gallery | All-Russian Exhibition Center | Bolshoi Theater

On your 2 day itinerary in Moscow, you’ll have a chance to use the city’s excellent public transportation service! You’ll explore a few more of Moscow’s historic highlight as well as some modern attractions. These sites are a little more spread out, but still very easily accessible thanks to the metro!

Day 2 / Stop 1 – Novodevichy Convent

• Why it’s awesome: The Novodevichy Convent is rich in imperial Russian history and contains some of Russia’s best examples of classical architecture!
• Cost: USD $5.00
• Food nearby: Culinary Shop Karavaevs Brothers is a cozy and simple place to have a quick bite, they also have vegetarian options!

The Novodevichy Convent is the best-known and most popular cloister of Moscow. The convent complex is contained within high walls, and there are many attractions this site is known for! 

The six-pillared five-domed Smolensk Cathedral is the main attraction. It was built to resemble the Kremlin’s Assumption Cathedral and its facade boasts beautiful snowy white walls and a pristine golden onion dome as its centerpiece. It’s the oldest structure in the convent, built from 1524 -1525, and is situated in the center of the complex between the two entrance gates.

There are other churches inside the convent as well, all dating back from many centuries past. The convent is filled with an abundance of 16th and 17th-century religious artworks, including numerous large and extravagant frescos!

Just outside the convent’s grounds lies the Novodevichy Cemetery. Here, you can visit the graves of famous Russians, including esteemed authors, composers, and politicians. Probably the most intriguing gravestone belongs to Russian politician Nikita Khruschev!

The Novodevichy Convent is located near the Moscow River and offers a peaceful retreat from the busy city. In 2004, it was proclaimed a UNESCO World Heritage Site. The convent remains remarkably well-preserved and is an outstanding example of Moscow Baroque architecture! 

Insider Tip: To enter the cathedrals inside the complex, women are advised to cover their heads and shoulders, while men should wear long pants.

Day 2 / Stop 2 – Gorky Central Park of Culture and Leisure

• Why it’s awesome: A large amusement area in the heart of the city offering many attractions!
• Cost: Free! 
• Food nearby: Check out Mepkato, located inside Gorky Central Park for a casual meal in a cozy setting. There are indoor and outdoor seating options and the restaurant is child-friendly!

Gorky Central Park of Culture and Leisure is a large green space in the heart of Moscow. The park opened in 1928, and it stretches along the scenic embankment of the Moskva River. It covers an area of 300-acres and offers a lovely contrast from the compact city center.

You’ll find all sorts of wonderful attractions, from boat rides to bike rentals to tennis courts and ping-pong tables, and much more! there are an open-air cinema and festive events and concerts scheduled in the summer months.  A wide selection of free fitness classes is also offered on a regular basis, including jogging, roller skating, and dancing!

Although many of the options you’ll find here are more suited for outdoor leisure during the summer, you’ll also a selection of winter attractions, including one of Europe’s largest ice rinks for ice-skating!

If you’re trying to decide what to do in Moscow with kids, the park also offers several venues designed specifically for kids. Check out the year-round Green School which offers hands-on classes in gardening and art! You can also feed the squirrels and birds at the Golitsinsky Ponds!

The park is very well maintained and kept clean and the entrance is free of charge, although most individual attractions cost money. There is also Wi-Fi available throughout the park.

With so many attractions, you could easily spend all day here! If you’re only planning a 2 day itinerary in Moscow, make sure to plan your time accordingly and map out all the areas you want to see beforehand!

Day 2 / Stop 3 – The State Tretyakov Gallery

• Why it’s awesome: The gallery’s collection consists entirely of Russian art made by Russian artists!
• Food nearby : Brothers Tretyakovs is located right across the street from the gallery. It’s a wonderfully atmospheric restaurant serving top quality food and drinks!

The State Tretyakov Gallery was founded in 1856 by influential merchant and collector Pavel Tretyakov.  The gallery is a national treasury of Russian fine art and one of the most important museums in Russia!

It houses the world’s best collection of Russian art and contains more than 130, 000 paintings, sculptures, and graphics! These works have been created throughout the centuries by generations of Russia’s most talented artists!

The exhibits range from mysterious 12th-century images to politically charged canvases. The collection is rich and revealing and offers great insight into the history and attitudes of this long-suffering yet inspired people!

All pictures are also labeled in English. If you plan to take your time and see everything inside the museum it will take a good 3-4 hours, so make sure to plan your Moscow trip itinerary accordingly! This gallery is a must-see stop for art lovers, or anyone wanting to explore the local culture and history of Russia in a creative and insightful manner! 

Insider Tip: When planning your 2 days in Moscow itinerary, keep in mind that most museums in Moscow are closed on Mondays, this includes The State Tretyakov Gallery!

Day 2 / Stop 4 – All-Russian Exhibition Center

• Why it’s awesome: This large exhibition center showcases the achievements of the Soviet Union in several different spheres. 
• Food nearby: Varenichnaya No. 1 serves authentic and homestyle Russian cuisine in an intimate and casual setting.

The All-Russian Exhibition Center is a massive park that presents the glory of the Soviet era! It pays homage to the achievements of Soviet Russia with its many different sites found on the property.

The center was officially opened in 1939 to exhibit the achievements of the Soviet Union. It’s a huge complex of buildings and the largest exhibition center in Moscow. There are several exhibition halls dedicated to different achievements and every year there are more than one hundred and fifty specialized exhibitions!

The Peoples Friendship Fountain was constructed in 1954 and is a highlight of the park. The stunning gold fountain features 16 gilded statues of girls, each representing the former Soviet Union republics. 

The Stone Flower Fountain was also built in 1954 and is worth checking out. The centerpiece of this large fountain is a flower carved from stones from the Ural Mountains! Along the side of the fountain are various bronze sculptures.

You will find many people zipping around on rollerblades and bicycles across the large area that the venue covers. It’s also home to amusement rides and carousels, making it the perfect place to stop with kids on your Moscow itinerary! Make sure to wear comfortable shoes and allow a few hours to explore all the areas that interest you!

Day 2 / Stop 5 – Bolshoi Theater

• Why it’s awesome: The Bolshoi Theater is a historic venue that hosts world-class ballet and opera performances!
• Cost: Prices vary largely between USD $2.00 –  USD $228.00 based on seat location.
• Food nearby: Head to the Russian restaurant, Bolshoi for high-quality food and drinks and excellent service!

The Bolshoi Theater is among the oldest and most renowned ballet and opera companies in the world! It also boasts the world’s biggest ballet company, with more than 200 dancers!

The theater has been rebuilt and renovated several times during its long history. In 2011 it finished its most recent renovation after an extensive six-year restoration that started in 2005. The renovation included an improvement in acoustics and the restoration of the original Imperial decor.

The Bolshoi Theater has put on many of the world’s most famous ballet acts! Tchaikovsky’s ballet Swan Lake premiered at the theater in 1877 and other notable performances of the Bolshoi repertoire include Tchaikovsky’s The Sleeping Beauty and The Nutcracker!

Today, when you visit the theater, you can expect a magical performance from skilled singers, dancers, and musicians with the highest level of technique!

If you don’t have time to see a show, the theater also provides guided tours on select days of the week. Tours are given in both Russian and English and will provide visitors with a more intimate look at the different areas of the theater!

The stage of this iconic Russian theater has seen many outstanding performances. If you’re a fan of the performing arts, the Bolshoi Theater is one of the greatest and oldest ballet and opera companies in the world, making it a must-see attraction on your Moscow itinerary!

Godzillas Hostel

Godzillas Hostel is located in the center of Moscow, just a short walk from all the major tourist attractions and the metro station.

• Towels Included

Cosmonautics Museum | Alexander Garden | Ostankino Tower | Izmaylovo District | Soviet Arcade Museum

Now that we’ve covered what to do in Moscow in 2 days, if you’re able to spend more time in the city you’re going to need more attractions to fill your time. Here are a few more really cool things to do in Moscow we recommend!

Memorial Museum of Cosmonautics

• Hear the timeline of the ‘space race’ from the Russian perspective
• This museum is fun for both adults and children!
• Admission is USD $4.00

The Memorial Museum of Cosmonautics is a museum dedicated to space exploration! The museum explores the history of flight, astronomy, space exploration, space technology, and space in the arts. It houses a large assortment of Soviet and Russian space-related exhibits, and the museum’s collection holds approximately 85,000 different items!

The museum does an excellent job of telling the full story of the exciting space race between the USSR and the US! It highlights the brightest moments in Russian history and humanity and is very interesting and fun for all ages!

If you’re a fan of space or just curious about gaining insight into Russia’s fascinating history of space exploration, make sure to add this to your 3 day itinerary in Moscow!

The Alexander Garden

• A tranquil place to relax near the Red Square
• Green lawns dotted with sculptures and lovely water features
• The park is open every day and has no entrance fee

The Alexander Garden was one of the first urban public parks in Moscow! The garden premiered in 1821 and was built to celebrate Russia’s victory over Napoleon’s forces in 1812!

The park is beautiful and well maintained with paths to walk on and benches to rest on. The park contains three separate gardens: the upper garden, middle garden, and lower garden.

Located in the upper garden, towards the main entrance to the park is the Tomb of the Unknown Soldier with its eternal flame. This monument was created in 1967 and contains the body of a soldier who fell during the Great Patriotic War!

The park stretches along all the length of the western Kremlin wall for about half a mile. Due to its central location in the city, it’ll be easily accessible when you’re out exploring The Red Square.

It provides a bit of relief from the city’s high-energy city streets. Bring a picnic lunch, go for a walk, or just sit and people watch, this is one of the best Moscow sites to wind-down and relax!

Ostankino Television Tower

• Television and radio tower in Moscow
• Currently the tallest free-standing structure in Europe
• Make sure you bring your passport when you visit, you can’t go up without it!

For spectacular views of the city, make sure to add the Ostankino Television Tower to your itinerary for Moscow! This impressive free-standing structure provides stunning views of the city in every direction. The glass floor at the top also provides great alternative views of the city!

It takes just 58 seconds for visitors to reach the Tower’s observation deck by super fast elevator. The tower is open every day for long hours and is a great site in Moscow to check out! There is even a restaurant at the top where you can enjoy rotating views of the city while you dine on traditional Russian cuisine or European cuisine!

The tower is somewhat of an architectural surprise in a city that is not known for skyscrapers! To see the city from a new perspective, make sure to add this stop to your Moscow itinerary!

Izmaylovo District

• The most popular attractions in this district are the kremlin and the flea market
• Outside of the city center and easy to reach via metro
• Most popular during the summer and on weekends

Travel outside the city center and discover a unique area of the city! The Izmaylovo District is a popular destination for locals and tourists alike, and one of the coolest places to see in Moscow! The two main attractions we recommend checking out are the Kremlin and the flea market.

The Izmailovo Kremlin was established as a cultural center and molded after traditional Russian architecture. This colorful complex is home to several single-subject museums, including a Russian folk art museum and a vodka museum!

Next to the Kremlin is the Izmailovo open-air market, which dates back to the 17th century! The market is connected to the Izmailovo Kremlin by a wooden bridge. Pick up all your Russian souvenirs here, including traditional handicrafts, paintings, books, retro toys, and Soviet memorabilia!

You will find many hand-made and hand-painted options available at higher prices, as well as mass-produced souvenir options at lower prices!

Museum of Soviet Arcade Games

• Closed on Mondays
• Filled with old arcade games that visitors get to try out!
• The museum also includes a small cafe and burger shop

For something a little different, check out the Museum of Soviet Arcade Games! The museum features roughly 60 machines from the Soviet era, including video games, pinball machines, and collaborative hockey foosball! The machines inside the museum were produced in the USSR in the mid-1970s.

The best part is, most of the games are still playable! Purchase tickets and try the games out for yourself! The museum also has a neat little screening room that plays old Soviet cartoons and an area with Soviet magazines! This unique attraction is a fun addition to a 3 day itinerary in Moscow, and an attraction that all ages will enjoy! 

Whether you’re spending one day in Moscow, or more, safety is an important thing to keep in mind when traveling to a big city! Overall, Moscow is a very safe place to visit. However, it is always recommended that tourists take certain precautions when traveling to a new destination!

The police in Moscow is extremely effective at making the city a safe place to visit and do their best to patrol all of the top Moscow, Russia tourist attractions. However, tourists can still be a target for pickpockets and scammers.

Moscow has a huge flow of tourists, therefore there is a risk for pickpocketing. Simple precautions will help eliminate your chances of being robbed. Stay vigilant, keep your items close to you at all times, and don’t flash your valuables!

If you’re planning a solo Moscow itinerary, you should have no need to worry, as the city is also considered safe for solo travelers, even women. Stay in the populated areas, try and not travel alone late at night, and never accept rides from strangers or taxis without a meter and correct signage.

The threat of natural disasters in Moscow is low, with the exception of severe winters when the temperature can dip below freezing! Bring a good, warm jacket if you visit in Winter.

However, please note that Russian views on homsexuality are far less accepting than those in Western Europe. Likewise, Non-Caucasian travellers may sadly encounter racism in Russia .

Don’t Forget Your Travel Insurance for Moscow

ALWAYS sort out your backpacker insurance before your trip. There’s plenty to choose from in that department, but a good place to start is Safety Wing .

They offer month-to-month payments, no lock-in contracts, and require absolutely no itineraries: that’s the exact kind of insurance long-term travellers and digital nomads need.

SafetyWing is cheap, easy, and admin-free: just sign up lickety-split so you can get back to it!

Click the button below to learn more about SafetyWing’s setup or read our insider review for the full tasty scoop.

Now that we’ve covered all the top things to see in Moscow, we thought we’d include some exciting day trips to other areas of the country!

Sergiev Posad (Golden Ring)

On this 7-hour guided tour, you’ll visit several scenic and historic areas of Russia. Start your day with hotel pick-up as you’re transferred by a comfortable car or minivan to Sergiev Posad. Admire the charming Russian countryside on your drive and enjoy a quick stop to visit the Russian village, Rudonezh!

You’ll see the majestic Saint Spring and the Church of Sergiev Radonezh. You’ll also visit the UNESCO World Heritage Site, Trinity Lavra of St. Sergius, one of the most famous Orthodox sites in Russia!

Lastly, you’ll swing by the local Matreshka market and enjoy a break in a nice Russian restaurant before returning to Moscow!

Day Trip to Vladimir and Suzdal

On this 13-hour trip, you’ll discover old Russia, with its picturesque landscapes and white-stoned beautiful churches! You’ll visit the main towns of the famous Golden Ring of Russia – the name for several cities and smaller towns north-east of Moscow.

Your first stop will be in the town of Vladimir, the ancient capital of all Russian principalities. The city dates back to the 11th century and is one of the oldest and the most important towns along the Ring! Next, you’ll visit Suzdal, a calm ancient Russian town north of Vladimir with only 13,000 inhabitants!

The old-style architecture and buildings of Suzdal are kept wonderfully intact. If you’re spending three days in Moscow, or more, this is a great option for exploring the charming areas outside the city!

Zvenigorod Day Trip and Russian Countryside

On this 9-hour private tour, you’ll explore the ancient town of Zvenigorod, one of the oldest towns in the Moscow region! As you leave Moscow you’ll enjoy the stunning scenery along the Moscow River, and make a few stops at old churches along the way to Zvenigorod.

Upon arrival, you’ll explore the medieval center, including the 14th-century Savvino-Storozhevsky Monastery. Next, you’ll take a break for lunch (own expense) where you’ll have the chance to try out the Russian cuisine! Next, you’ll visit the Museum of Russian Dessert and sip on tea at a Russian tea ceremony.

The final stop of the day is at the Ershovo Estate, a gorgeous place to walk around and enjoy nature!

Day Trip to St Petersburg by Train visiting Hermitage & Faberge

On this full-day tour, you’ll enjoy a a full round trip to St Petersburg where you’ll spend an exciting day exploring another popular Russian city! You’ll be picked up from your hotel in Moscow and be transferred to the train station where you’ll ride the high-speed train ‘Sapsan’ to St Petersburg.

Upon arrival, you’ll start the day by touring the Hermitage Museum and the Winter Palace. Next, you’ll visit the Faberge Museum, where you’ll explore the impressive collection of rare Faberge Eggs! In the afternoon, enjoy a sightseeing boat ride and a traditional 3-course Russian lunch.

If you’re spending 3 days in Moscow, or more, this is an excellent trip to take!

Trip to Kolomna – Authentic Cultural Experience from Moscow

On this 10-hour tour, you’ll escape the city and travel to the historic town of Kolomna! First, you’ll visit the 14th-century Kolomna Kremlin, home to the Assumption Cathedral and an abundance of museums!

Next, enjoy lunch at a local cafe (own expense) before embarking on a tour of the Marshmallow Museum – of course, a marshmallow tasting is provided!  Your final stop is the Museum of Forging Settlements, where displays include armor and accessories for fishing and hunting.

Discover this beautiful Russian fairytale city on a private trip, where all of the planning is taken care of for you!

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Find out what people want to know when planning their Moscow itinerary.

How many days you need in Moscow?

We recommend that you spend at least two or three days in Moscow to take it all in.

What’s the best month to visit Moscow?

The best time to visit Moscow is over the spring, from March to May as temperatures are mild, crowds are thin and prices are reasonable.

What are some unusual things to do in Moscow?

I mean, queuing up to see an almost 100 year old corpse is pretty unsual! Check out Lenin’s Mausoleum if you fancy it!

What are some fun things to do in Moscow?

The Memorial Museum of Cosmonautics is a fun place to explore the famous space race from the perspective of the ‘other side’!

We hope you enjoyed our Moscow itinerary! We’ve made sure to cover all the Moscow must-sees as well as some unique attractions in the city! Our addition of insider tips, favorite food stops, and day trips from Moscow is an added bonus and will guarantee you make the most out of your exciting Russian vacation!

Immerse yourself in the modern and traditional Russian lifestyle! Get lost in museums, witness awe-inspiring architecture, and indulge in Russian cuisine! Spend the day strolling through all of the charming sites of Moscow, admiring the beautiful scenery and discovering the city’s fairytale-like enchantment!

And for transparency’s sake, please know that some of the links in our content are affiliate links . That means that if you book your accommodation, buy your gear, or sort your insurance through our link, we earn a small commission (at no extra cost to you). That said, we only link to the gear we trust and never recommend services we don’t believe are up to scratch. Again, thank you!

Alya and Campbell

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Is It Safe in Moscow?

Stanislav Solntsev / Getty Images

When you visit Moscow , Russia, you’re seeing one of the world’s largest, and most expensive, capital cities . While there is a history of violent crime against foreign journalists and aid personnel in Russia, a trip to Moscow is usually safe for mainstream travelers. Most tourists in Moscow only face potential issues with petty crime, though terrorism is also a concern. Visitors should stick to the principal tourist areas and abide by the local security advice.

Travel Advisories

• The U.S. Department of State urges travelers to avoid travel to Russia because of COVID-19 and to "exercise increased caution due to terrorism, harassment, and the arbitrary enforcement of local laws."  
• Anyone exploring more of Russia should avoid "The North Caucasus, including Chechnya and Mount Elbrus, due to terrorism, kidnapping,   and   risk of civil unrest." Also, travelers should stay away from "Crimea due to Russia’s occupation of the Ukrainian territory   and   abuses by its occupying authorities."  
• Canada states travelers should use a high degree of caution in Russia due to the threat of terrorism and crime.  

Is Moscow Dangerous?

The Moscow city center is typically safe. In general, the closer you are to the Kremlin , the better. Travelers mainly need to be aware of their surroundings and look out for petty crime. Be especially careful in tourist areas such as Arbat Street and crowded places like the Moscow Metro transit system. The suburbs are also generally fine, though it is advised to stay away from Maryino and Perovo districts.

Terrorism has occurred in the Moscow area, leading authorities to increase security measures. Be more careful at tourist and transportation hubs, places of worship, government buildings, schools, airports, crowds, open markets, and additional tourist sites.

Pickpockets and purse snatching happen often in Russia, perpetrated by groups of children and teenagers who distract tourists to get their wallets and credit cards. Beware of people asking you for help, who then trick you into their scheme. Don’t expect a backpack to be a safe bag bet; instead, invest in something that you can clutch close to your body or purchase a money belt . Always diversify, storing some money in a separate location so that if you are pickpocketed, you'll have cash elsewhere. Keep an eye out for thieves in public transportation, underground walkways, tourist spots, restaurants, hotel rooms and homes, restaurants, and markets.

Is Moscow Safe for Solo Travelers?

Large cities like Moscow in Russia are overall fairly safe if you are traveling alone, and the Moscow Metro public transit is a secure and easy way to get around. But it is still a good idea to follow basic precautions as in any destination. Avoid exploring alone at night, especially in bad areas. You may want to learn some basic Russian phrases or bring a dictionary, as many locals don't speak English. However, in case you need any help, there are tourist police that speak English. Also, exploring with other trusted travelers and locals or on professional tours is often a good way to feel safe.

Is Moscow Safe for Female Travelers?

Catcalling and street harassment are infrequent in Moscow and the rest of Russia and females traveling alone don't usually have problems. There are plenty of police officers on the streets as well. Still, it serves to stick to Moscow's well-lit, public areas, avoid solo night walks, and use your instincts. Women frequenting bars may take receive some friendly attention. Females can wear whatever they want, but those entering Orthodox churches will be required to cover up. Though women in Russia are independent, domestic violence and other inequality issues take place regularly.

Safety Tips for LGBTQ+ Travelers

Russia is not known as a gay-friendly country. However, Moscow is one of the more welcoming cities with a blooming LGBTQ+ community and many friendly restaurants, bars, clubs, and other venues. Hate crimes in Russia have increased since the 2013 anti-gay propaganda law. Openly LGBTQ+ tourists in this conservative country may experience homophobic remarks, discrimination, or even violence, especially if traveling with a partner. Also, while women hold hands or hug publicly—whether romantically involved or not—men should avoid public displays of affection to prevent being insulted or other issues.

Safety Tips for BIPOC Travelers

Moscow  and other big cities in Russia have sizable populations of various cultures, so discrimination against BIPOC travelers is rarer than in other parts of the country where it can become dangerous. Some people living in Russia who are Black, Asian, Jewish, and from other backgrounds have experienced racial discrimination and violence. Tourists won't usually experience overt racism but may be the recipients of some stares. If anyone should bother you, be polite and resist being taunted into physically defending yourself.

Safety Tips for Travelers

Travelers should consider the following general tips when visiting:

• It's best not to drink the tap water. If you do, boil it before drinking, though showering is safe and the amount used to brush teeth is generally not harmful. Mineral water is widely drunk, especially at restaurants, and if you prefer not to have it carbonated ask for “ voda byez gaz” (water without gas).
• If you need emergency assistance in case of fire, terrorism, medical issues, or more, dial 112 in Russia for bilingual operators.
• Be judicious about taking photographs, especially of police or officials. This can potentially bring unwanted attention to yourself by members of law enforcement who won’t mind asking to see your passport. Also avoid snapping photos of official-looking buildings, such as embassies and government headquarters.
• Carry your passport in as secure a manner as possible. If you get stopped for any reason by the police, they can fine or arrest you if you don't have the document with you. Also, keep photocopies of your passport, the page on which your travel visa appears, and any other documents that relate to your stay in Russia.
• Use official taxis only and steer clear of illegal taxi companies, especially at night. Ask your hotel to call a reputable taxi company.

U.S. Department of State. " Russia Travel Advisory ." August 6, 2020.

Government of Canada. " Official Global Travel Advisories ." November 19, 2020.

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Don’t over think it.

Where are you headed to? And where back from, if different?

If you are flying in economy class, there is generally little difference. However, in terms of cancellations or unforeseen eventualities you get more legal recourse by using airlines based out of EU countries than the USA, even with the proposed new minor changes.

Time of departure or arrival at destination may also be factors to consider.

Which class of travel and where in Europe?

In economy its all much of a michness. Aircraft used on that route and any transit airport can have just as much bearing

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Likelihood of consumers buying travel insurance in the U.S. 2023, by trip type

In 2023, consumers in the United States were more likely to buy travel insurance for international trips than when traveling during a disease outbreak. Almost 70 percent of respondents were more likely to purchase travel insurance when traveling to another country. Meanwhile, 55 percent said the same when traveling during a disease outbreak. Protecting the investment in a trip was the reason some U.S. consumers bought travel insurance in that year.

Likelihood of consumers buying travel insurance in the United States in 2023, by trip type

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January 2024

United States

September 12 to 19, 2023

1,000 respondents

18 years and older

nationally representative by age, gender, race, and region

Online survey

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Personality & Behavior

• Participation in Halloween activities in the United States 2015-2023

Food & Nutrition

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Retail & Trade

• Annual Halloween expenditure in the United States 2005-2023
• U.S. pumpkin production 2001-2023

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Statistics on " Halloween in the U.S. "

• Leading consumer spending events by expected average spend in the U.S. 2023
• Annual Halloween expenditure in the U.S. 2023, by item
• Americans' planned spending on Halloween-related items 2005-2023
• Americans' planned spending on Halloween-related items by category 2023
• Expected spend among Gen Z for Halloween in the United States 2023
• Expected spend among millennials for Halloween in the United States 2023
• Expected spend among women for Halloween in the United States 2023
• Plans for Halloween celebrations in the U.S. in 2023
• Opinions on when it is still too early to show Halloween items in the U.S. 2023
• Halloween shopping start in the United States in 2023
• Expected change in Halloween spending among U.S. consumers 2023
• Areas of inspiration for Halloween in the U.S. 2023
• Stores in which U.S. consumers planned to make their Halloween purchases 2023
• Stores in which young U.S. consumers planned to make their Halloween purchases 2022
• Timing of Halloween costume purchases among consumers in the United States 2023
• Stores in which U.S. consumers planned to shop for Halloween costumes 2023
• Planned spending on Halloween costumes among consumers in the U.S. 2022
• Leading sources of inspiration for Halloween costumes among U.S. adults 2022
• Leading sources of inspiration for Halloween costumes among Gen Z in the U.S. 2022
• Main social networks used for DIY Halloween costume ideas in the U.S. 2022
• Timing of Halloween candy purchases among consumers in the United States 2023
• Consumer spending on Halloween candy in the United States 2017-2023
• Number of people who planned to carve a jack-o-lantern for Halloween U.S. 2017-2023
• Jack-o-lantern expenditure in the U.S. 2017-2023
• U.S. pumpkin production value 2001-2023
• U.S. per capita consumption of fresh pumpkins 2000-2022

Other statistics that may interest you Halloween in the U.S.

Consumer expenditure

• Premium Statistic Leading consumer spending events by expected average spend in the U.S. 2023
• Basic Statistic Annual Halloween expenditure in the United States 2005-2023
• Basic Statistic Annual Halloween expenditure in the U.S. 2023, by item
• Premium Statistic Americans' planned spending on Halloween-related items 2005-2023
• Premium Statistic Americans' planned spending on Halloween-related items by category 2023
• Premium Statistic Expected spend among Gen Z for Halloween in the United States 2023
• Premium Statistic Expected spend among millennials for Halloween in the United States 2023
• Premium Statistic Expected spend among women for Halloween in the United States 2023

Consumer behavior

• Basic Statistic Participation in Halloween activities in the United States 2015-2023
• Basic Statistic Plans for Halloween celebrations in the U.S. in 2023
• Basic Statistic Opinions on when it is still too early to show Halloween items in the U.S. 2023
• Premium Statistic Halloween shopping start in the United States in 2023
• Premium Statistic Expected change in Halloween spending among U.S. consumers 2023
• Basic Statistic Areas of inspiration for Halloween in the U.S. 2023
• Premium Statistic Stores in which U.S. consumers planned to make their Halloween purchases 2023
• Basic Statistic Stores in which young U.S. consumers planned to make their Halloween purchases 2022

Halloween product shopping

• Basic Statistic Timing of Halloween costume purchases among consumers in the United States 2023
• Premium Statistic Stores in which U.S. consumers planned to shop for Halloween costumes 2023
• Premium Statistic Planned spending on Halloween costumes among consumers in the U.S. 2022
• Premium Statistic Leading sources of inspiration for Halloween costumes among U.S. adults 2022
• Premium Statistic Leading sources of inspiration for Halloween costumes among Gen Z in the U.S. 2022
• Premium Statistic Main social networks used for DIY Halloween costume ideas in the U.S. 2022
• Premium Statistic Timing of Halloween candy purchases among consumers in the United States 2023
• Premium Statistic Consumer spending on Halloween candy in the United States 2017-2023

Pumpkin production & consumption

• Basic Statistic Number of people who planned to carve a jack-o-lantern for Halloween U.S. 2017-2023
• Premium Statistic Jack-o-lantern expenditure in the U.S. 2017-2023
• Basic Statistic U.S. pumpkin prices during Halloween 2017-2023
• Basic Statistic U.S. pumpkin production 2001-2023
• Basic Statistic U.S. pumpkin production value 2001-2023
• Basic Statistic U.S. per capita consumption of fresh pumpkins 2000-2022

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WorldTrips Travel Insurance Review 2024

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The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

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.

WorldTrips Travel Insurance has been a reputable travel insurance provider for more than 20 years. WorldTrips offers various plans and tiers that can suit your travel insurance needs. Read on to learn more about WorldTrips.

WorldTrips Travel Insurance Review

WorldTrips Travel Insurance is among the best travel insurance companies , with plans to cover a wide range of needs. It provides group plans, annual multi-trip plans, and multiple plans for travel and medical protection. Its plans are also well below the average cost for travel insurance, though some competitors have higher coverage limits than WorldTrips.

WorldTrips also sports a wide range of add-ons including CFAR coverage, destination wedding cancellation coverage, and adventure sports coverage. 

Coverage Options by WorldTrips

WorldTrips offers several unique products for travelers, including a dedicated plan for students pursuing study abroad programs. Within these plans, there are addition tiers of coverage that offer higher coverage limits. This section will help you understand the different plans available through WorldTrips.

Most plans include COVID-19 coverage by default. Many also allow you to customize the plan to include optional upgrades for additional protection.

Medical coverage for travelers

Atlas Travel

Flagship product Atlas Travel provides travel medical insurance for travelers of various nationalities — a valuable product for anyone seeking financial support while exploring the world. The maximum coverage available through an Atlas Travel plan goes up to $2 million.

It's worth noting Atlas Travel does not cover US citizens and residents. However, US citizens and residents can purchase travel insurance coverage for countries outside the United States under an Atlas International plan. In addition, non-US citizens outside of the United States are also eligible for coverage within the US under the Atlas America plan. The site automatically selects it for the traveler at the time of purchase.

Atlas Premium

Atlas Premium is an upgraded version of Atlas Travel offering more flexibility on deductibles, coverage duration, and coverage maximums. This plan is ideal for several types of travelers, including parents covering an entire family, travelers planning adventurous activities carrying some risk, and people planning luxury or expensive travel.

Atlas Group

Atlas Group offers Atlas Travel benefits at a 10% discount for people traveling in groups of five or more. This policy is ideal for traveler profiles such as youth groups, missionaries, students studying abroad, larger families, and organizations planning international travel.

Atlas MultiTrip

Digital nomads and frequent international travelers can benefit from an Atlas MultiTrip plan. It provides global health coverage for any number of pre-planned or last-minute trips within 364 days, as long as each trip lasts fewer than 30 or 45 days. The duration guidelines vary depending on the coverage selected.

StudentSecure

Students studying abroad can purchase StudentSecure, an international health insurance policy for full-time students and scholars pursuing academic studies outside their home country. StudentSecure comes in four levels of coverage to meet each student's specific needs and meets or exceeds most country or school insurance requirements.

Trip cancellation and interruption

Atlas On-The-Go

Atlas On-The-Go covers you if you only need financial reassurance for your travel plans. This trip protection insurance is for US residents traveling worldwide. In addition, it provides medical coverage for unexpected sickness, injury, lost or stolen bags, or travel cancellations. 

Atlas Journey

Atlas Journey offers trip protection coverage for US citizens and residents on domestic and international travel. You can choose from three tiers of coverage: Premier, Preferred, or Economy, with up to 150% of trip costs covered in the case of travel interruptions, as well as up to $1 million in medical evacuation expenses.

Additional Coverage Options (Riders)

Buyers can customize many WorldTrips policies to enhance the overall benefits of the insurance plan. Here are some of the available riders and purposes.

Cancel-for-any-reason (CFAR) coverage

Cancel-for-any-reason insurance coverage, often abbreviated as CFAR, is an optional upgrade for Atlas Journey Premier and Preferred. It allows you to claim a percentage of your nonrefundable travel costs if you cancel your trip for any reason.

CFAR is available as an add-on on specific WorldTrips policies and can cover either 50% or 75% of your total nonrefundable travel forfeited when you cancel. However, you'll have to purchase CFAR coverage within a specific time limit after your first payment for travel expenses. You must cancel your trip more than 48 hours before the scheduled departure to make an eligible CFAR claim.

Adventure activities coverage

WorldTrips offers additional coverage options for adventurous travelers pursuing risky or challenging activities. This add-on increases your medical and evacuation benefits in the event of an incident.

Pet care coverage

If you're traveling with a pet, this coverage will help cover some of the costs associated with pet travel, including medical expenses if needed.

Rental accommodations coverage

This add-on covers expenses you may incur if your accommodations are double-booked or untenantable.

Rental car coverage

If you rent a car during your travels, you can purchase this add-on to forego the coverage offered at the rental car desk. Note, if you hold a premium credit card with travel benefits, you may already have access to free rental car insurance meeting or exceeding any ceilings offered through WorldTrips, even with this upgrade.

School activities interruption/cancellation coverage

If a school schedule change impacts your travel plans, this add-on will reimburse you for nonrefundable travel expenses associated with the travel cancellation or interruption.

Hunting and fishing cancellation/interruption

This add-on will help defray your cost if changes to your local government restrictions or equipment delays impact your travel plans. Unfortunately, this policy does not cover big game hunting.

Destination wedding cancellation or interruption coverage

This policy add-on protects guests attending a destination wedding. If the couple cancels the wedding or the event is delayed or canceled due to other circumstances, this policy will help cover expenses incurred by the change in plans.

How Much Does WorldTrips Cost?

Travel insurance coverage varies greatly, and the amount you pay reflects the range of protection . However, since travel insurance protects your financial investment, it's typically worth spending a few extra dollars for higher coverage maximums, especially for medical insurance and evacuation expenses.

To receive a quote with WorldTrips, you need to enter your state of residence, trip cost, duration, traveler(s) age, and date of initial trip payment.

We ran a few simulations to offer examples of how much a WorldTrips policy might cost. You'll see that costs usually fall between 1% to 4% of the total trip cost, but can go up to 8% under certain plans and conditions.

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

• Atlas Premium Insurance: $28.08
• Atlas Journey: $86-$120

Premiums for WorldTrips plans are between .9% and 4% of the trip's cost, well below the average cost of travel insurance .

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

• Atlas Premium Insurance: $56.85
• Atlas Journey: $112-$157

Once again, premiums for WorldTrips plans are between 1.4% and 3.9%, below the average cost for travel insurance.

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

• Atlas Premium Insurance: $253.20
• Atlas Journey: $326-$494

Premiums for WorldTrips plans are between 4.2% and 8.2%, once again below the average cost for travel insurance. This is especially impressive as travel insurance is often more expensive for older travelers.

Annual Plan

WorldTrips offers a multi-trip plan, that can cover multiple trips over a year. This plan has two tiers, which affect how long each covered trip can last. The cost of annual travel insurance with WorldTrips for a 35-year-old is as follows:

• 30-day trips: $193
• 45-day trips: $236

How to File a Claim with WorldTrips

Unfortunately, the WorldTrips claim filing process leaves much to be desired. WorldTrips customers need to keep their travel insurance policy handy to know which claims process to follow. Additionally, WorldTrips lacks a mobile app, so you'll have to manage your WorldTrips policy through its website. 

You'll also need to have some other information on hand, such as whether or not a medical provider would bill WorldTrips directly on your behalf or if you have to pay out of pocket at the time of your service.

Atlas Travel, Atlas Premium, Atlas Group, Atlas MultiTrip, and StudentSecure travel medical insurance

If you hold a policy under one of the travel medical insurance products above, here's the step-by-step guide you'll reference when submitting a claim. You can submit your claim via email or regular mail using the following contact information:

Phone: (800) 605-2282 (within the US) and +1 (317) 262-2132 (outside the US).

Non-emergency calls are taken Monday to Friday from 7 a.m. to 7 p.m. ET.

Claims Department

PO Box 240358

Apple Valley, MN 55124

You can also submit your claim electronically through your customer portal: Client Zone for most policyholders and Student Zone for students.

Atlas Journey and Atlas On-The-Go trip protection insurance

If you have an Atlas Journey or Atlas On-The-Go plan, you'll have to complete an online form that includes supporting document for every claim. If you cannot upload your documents, you can send them to WorldTrips's claims team at [email protected].

If you're a student, you must submit additional documents for your claim proving you are a full-time student and any necessary education-related visas or I-20/DS2019. Having the proper records can make your claim much less frustrating.

Compare WorldTrips Travel Insurance

See how WorldTrips Travel Insurance stacks up against the competition. 

WorldTrips Travel Insurance vs. Nationwide Travel Insurance

WorldTrips compares favorably to Nationwide Travel Insurance . While Nationwide is also a reputable insurance provider with great reviews, the company offers just two standard plans customizable with unique add-ons. Nationwide does offer some of the most affordable travel insurance rates with a large and recognizable company name behind it. However, unique add-ons like sports equipment and pet coverage are not available.

Thus, travelers seeking more customized travel protection may prefer the unique plans offered through WorldTrips, especially those looking for specialized coverage for destination weddings, group travel, study abroad programs, and more. On the other hand, travelers without special coverage needs looking for cheap travel insurance may want to stick with Nationwide.

Karen S posted about her trip to Turks & Caicos on insuremytrip.com, saying, "It was easy to find a plan with the coverage that I needed. My travel companion is my 92-year-old mother so it was imperative that I have the best coverage at a reasonable cost."

Read our Nationwide travel insurance review here.

WorldTrips Travel Insurance vs. Berkshire Hathaway Travel Insurance

WorldTrips and Berkshire Hathaway are well-known insurance companies in the travel protection industry, offering various plans to meet the needs of any traveler. If you're planning a particular trip with multiple variables, WorldTrips has more customizable options with different types of add-ons and upgrades. However, Berkshire Hathaway offers a significantly easier claim filing process through its proprietary app, which can help you submit photos and other evidence for your claim in just a few seconds.

Both companies have customer reviews suggesting coverage provides peace of mind. But claims filing gets mixed reviews.

Read our Berkshire Hathaway travel insurance review here.

Customer Service and Support Experience From WorldTrips

Compared to other travel insurance companies, WorldTrips doesn't have many customer reviews. However, existing customer reviews of WorldTrips are mixed.

It received an average of 4.2 stars out of five on its Trustpilot page across over 500 reviews and 4.3 stars across over 400 reviews on SquareMouth. Many of its negative reviews concern problems with its website, which is especially concerning since it doesn't have a mobile app like many of its competitors. 

Google reviews on its headquarters in Caramel, Indiana are even worse, averaging 3 stars across 120 reviews. Customers mentioned difficulty receiving a payout for medical costs. Several customers reported filing a claim on a medical expense that occurred while traveling, which WorldTrips denied because it was a pre-existing condition. Additionally, customers reported waiting months for their claims to be answered. 

WorldTrips Travel Insurance FAQs

Can i extend my worldtrips insurance policy if i decide to travel longer.

You can extend your WorldTrips Atlas Travel Insurance coverage for up to 364 days from the initial effective date.

Does WorldTrips cover COVID-19 related medical expenses and trip cancellations?

WorldTrip's travel medical insurance will cover expenses related to COVID-19.

Are pre-existing medical conditions covered by WorldTrips travel insurance?

WorldTrips will cover pre-existing conditions if you purchase your policy within 21 days of the initial trip deposit date.

What information do I need to file a claim with WorldTrips?

To file a claim with World Trips, you'll need documentation such as medical records, receipts for expenses incurred, and a completed claims form. If you're a student, you will also need to prove your full-time enrollment and, if applicable, your education-related visa.

Can I purchase World Trips insurance after I've already started my trip?

Whether you can purchase World Trips insurance after starting your trip depends on their policy. Some insurers may allow this, but there may be restrictions or limitations. Contact World Trips directly to inquire about purchasing insurance after your journey has begun.

Why You Should Trust Us: What Went Into Our WorldTrips Travel Insurance Review

We evaluated WorldTrips against the best travel insurance companies by comparing the options offered, customizations available, coverage ceilings, and ease of filing a claim. A licensed insurance agent reviews our articles. Our rating system is available to read in-depth here .

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