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AMA Travel Insurance Review 2024

Updated: Feb 28, 2024, 5:45am

Reviewed By

The Canadian Automobile Association (CAA) has nine regional clubs across Canada, including the Alberta Motor Association or AMA. For over 35 years, AMA Travel has been providing travel medical insurance to Albertans. Today, globetrotters can select one of four plans offering basic to premium coverage. A major upside to this insurance is that some plans  have no age limits. However, if you’re booking some adventurous travel, this plan is probably not suited to you.

• Pre-existing conditions rider
• Optional medical deductible
• CFAR reimbursement at 50%
• No age limits on some plans
• Only available to Alberta residents
• Medical questionnaire required at age 60
• Discounts only available to AMA members
• Maximum emergency medical is $5 million

Table of Contents

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Founded in 1926, and now with 16 agencies across Alberta, the Alberta Motor Association (AMA) is the largest travel agency in the province with almost one million members. Besides offering roadside assistance, AMA also offers comprehensive travel booking, including flights, hotels, packaged vacations and rental cars, as well as travel insurance. It’s worth noting that you must be an Alberta resident to purchase AMA Travel Insurance.

AMA is part of a federation of clubs that includes the Canadian Automobile Association (CAA) in Ontario, the American Automobile Association (AAA) in the U.S. and the Federation Internationale de l’Automobile in Quebec.

AMA Travel Insurance is underwritten by Orion Travel Insurance Company.

Here are the key types of travel insurance coverage offered in typical AMA Travel insurance plans:

• Emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work.
• Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy, trip cancellation insurance can reimburse you for prepaid, non-refundable costs. AMA Travel provides reimbursement for 36 unexpected situations that may cause you to cancel your trip before departure, such as if you or your travelling companion gets sick, your airline goes on strike or you lose your job.
• Travel interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and money that you lose by cutting a trip short, such as non-refundable activities and hotel stays.
• Baggage insurance: Baggage travel insurance can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over. It also extends to your personal belongings, if lost, damaged or stolen.
• Travel accident insurance. This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. Flight Accident Insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel Accident Insurance covers death or dismemberment, including the loss of limbs or eyesight, while on your trip.

AMA offers four travel insurance plans for trips outside of Canada: The Premium Medical Package, the Medical Plan, the Non-Medical Premium Package and standalone Trip Cancellation and Trip Interruption Insurance.

Premium Medical Package (medical and travel coverage): This is the most comprehensive plan offered by AMA, which includes coverage for unforeseen medical emergencies, trip cancellation and interruption, travel accident and baggage loss, damage and delay.

Emergency medical treatment includes:

• Hospital accommodation up to a semi-private room
• Physicians’ fees
• Laboratory tests and X-rays
• Private duty nursing
• Ground ambulance service
• Prescription drugs
• Medical appliances including casts, splints, trusses, braces, crutches or the rental of a wheelchair
• Treatment by a chiropodist, chiropractor, osteopath, physiotherapist or podiatrist
• Emergency dental treatment due to a blow to the face)
• Emergency dental treatment due to illness, excluding roots canals or damage to dentures (maximum $500)
• Hospital allowance for long distance calls, TV rental when hospitalized for at least 48 hours (up to $50 per day to a maximum of $2,000)

Medical Plan: If you’re only worried about medical emergencies while travelling, this plan offers all of the medical coverage options of the Premium Medical Package plan and includes hospital accommodations, physician fees, lab tests, private nurses and ambulance services.

Non-Medical Premium Package: If you have medical coverage elsewhere, the Non-Medical Premium Package plan covers trip cancellation insurance, trip interruption, misconnection & delay insurance, baggage insurance and flight & travel accident insurance. You can also add Cancel for Any Other Reason insurance.

Trip Cancellation and Trip Interruption: This coverage provides reimbursement if you need to cancel your trip before departure, as well as expenses such as hotels, meals and taxi fares due to an unexpected trip delay. You can also add Cancel for Any Other Reason insurance.

There’s also an option for Family Coverage that covers you, your spouse and child(ren) if you’re travelling together. AMA Travel takes the age of the oldest person on the plan, calculates their premium and then multiplies it by 2.25. Family coverage usually offers better savings if the oldest person in the family is under age 60 and does not have any medical conditions, such as diabetes.

We’ve highlighted key benefits of AMA Travel Insurance to help you identify which plan is the best fit for you.

Here’s a comparison of the four plans to see how much maximum coverage you’ll get.

The price of an AMA Travel Insurance plan depends on factors such as the cost of your trip, your age and the amount of coverage you choose.

Here are some examples of the cost for AMA Travel Insurance single trip plans for healthy travellers based in Alberta. AMA members get 10% off of travel medical insurance.

With your emergency medical coverage you can also add an optional deductible, or the amount you will pay out of pocket before your coverage kicks in, to lower the cost of your premium by up to 45%.

World Nomads

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000, $3,000

Related: World Nomads Travel Insurance Review

Manulife Financial

Emergency medical: $10 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: Manulife Financial CoverMe Travel Insurance Review

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,500

Related: Blue Cross Travel Insurance Review

AMA Travel offers the following optional riders or add-ons:

• Pre-Existing Conditions Rider is available on any emergency medical plan and can reduce your stability period for pre-existing conditions to seven days. Under this coverage, you’ll be reimbursed for a maximum of $200,000 for eligible hospital and medical expenses for sickness or injury due to a pre-existing medical condition.
• BounceBack Insurance provides up to $2,000 in round-trip transportation to fly home before your return date and then return to your trip destination at a later date. Two circumstances can trigger this coverage: 1) An immediate family member is admitted to hospital or dies, and 2) A disaster causes your home to be uninhabitable after you leave for your trip.
• Rental Vehicle Damage insurance provides up to $80,000 for physical damage or loss for a rental car.

AMA members get 10% off of travel medical insurance and BounceBack insurance. The discount does not apply to premium plans or trip cancellation, interruption or delay insurance, or rental vehicle damage insurance.

Here’s an example for the Medical only plan:

Yes. You can buy multi-trip insurance if you travel more than once a year for multiple individual trips. AMA Travel’s Multi-Trip Annual Plans offer medical only coverage for four, eight, 15, 30 or 60 days and premium medical + travel coverage for nine, 16 or 30 days per trip. If you stay longer than the number of days you purchased, you can purchase a top-up. Multi-trip premium insurance is not available for travellers over age 59.

Here’s how the prices between single trip and multi-trip insurance compare:

AMA Assistance is available 24/7, 365 days of the year and can help you when you’re faced with an emergency. Support includes:

• Directing you to an appropriate physician or hospital at your trip destination.
• Providing multilingual interpreters to communicate with physicians and hospitals.
• Monitoring your care and ensuring only appropriate and medically necessary treatment is given.
• Communicating on your behalf to your family and physician.
• Paying hospitals, physicians and medical providers whenever possible.
• Arranging necessary transportation, such as an air ambulance, whenever necessary.
• Informing you of any expenses not covered by your policy.

When you call AMA Assistance, you’ll need to provide your name, policy number, your location and the nature of your emergency.

If you don’t contact AMA Assistance before receiving medical treatment, you may be limited to reimbursement of 80% of eligible medical expenses, to a maximum of $25,000. AMA Assistance must also approve certain benefits, such as MRIs, CAT scans, ultrasounds or biopsies, in advance. If you receive treatment prior to approval, you may be reimbursed on the basis of “reasonable and customary charges” that may be different from the actual charges.

Your standard trip cancellation insurance with AMA Travel covers 36 unexpected situations that could cause your trip to be cancelled before you leave. These include:

• You or your travel companion gets sick, injured or dies
• A close friend dies within 10 days of leaving for your trip
• You, your spouse or your travelling companion experience pregnancy complications in the first 31 weeks and have been advised not to travel
• You or your travelling companion’s house or business is burglarized within seven days of leaving for your trip
• You, your spouse, your travelling companion or his/her spouse loses a job

AMA Travel also offers Cancel For Any Other Reason insurance that allows you to cancel up to three hours before departure and receive a 50% refund, if you purchase your travel arrangements with AMA Travel, CAA Travel or amatravel.ca and purchase the policy within 72 hours of booking that trip.

While trip cancellation covers any issues that happen before you leave, trip interruption covers issues once you’ve already left home.

Trip interruption insurance covers issues, such as:

• A missed connection due to bad weather, road delays or a road accident
• A medical emergency back home

AMA Travel also offers Interruption For Any Other Reason insurance up to $2,500, that covers you for any reason outside of your policy to the following limits:

• 50% reimbursement of your unused nonrefundable arrangements if your travel is booked through AMA Travel, CAA Travel or amatravel.ca
• Up to $1,000 for the extra cost of a one-way economy airfare to return home or any fees incurred to change the date of your original return ticket.

These benefits kick in only if your trip is interrupted 48 hours or more after your arrival.

For travellers under age 59, AMA Travel will not pay any claims due to any sickness, injury or medical condition that is not stable in the three months before your departure date (and for travellers age 70 to 84, your condition must be stable for six months), unless you purchase the Pre-Existing Medical Condition rider that reduces the waiting period to seven days and covers to a maximum of $200,000.

For travellers under age 59 and under, AMA Travel will also not cover any lung condition if in the three months prior to your departure date you received treatment with prednisone. For travellers aged 69 and under, the time period is three months before your effective date and for travellers aged 70 to 84, the time period is six months before your effective date.

If you’re concerned about a pre-existing condition, you can purchase the Pre-Existing Conditions Rider on any emergency medical plan and reduce your stability period to seven days. Under this coverage, you’ll be reimbursed for a maximum of $200,000 for eligible hospital and medical expenses for sickness or injury due to a pre-existing medical condition.

There are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim only to be told you’re on the hook for all associated costs. The following are some of the most common issues not covered by travel insurance:

• A claim against an unstable pre-existing medical condition. AMA defines a condition as unstable if you have sought medical treatment for that condition, if new or existing symptoms appear or there has been a change in medication or the dose you take.
• For insured children under two years old, any sickness or medical condition related to a birth defect
• Injury or illness as a result of alcohol or drug abuse
• Travelling to get medical treatment, included diagnosis, surgery, investigation, palliative care or alternative therapy
• Complications from pregnancy nine weeks before or after the expected date of delivery
• Claims related to a child born on the trip
• Death or injury due to activities related to being in the air, including planes, balloons, kite balloons, airship, glider, hang glider, paraglider, parasail, parachute, kite and wingsuits
• Death or injury while participating in a professional sport or any motorized speed contests
• Non-emergency, experimental or elective treatment, including cosmetic surgery, chronic care or rehabilitation
• The replacement cost of an existing prescription, contact lenses or prosthetic teeth or limbs
• Cataract surgery or services provided by a naturopath
• Travelling against medical advice or not following medical advice in regards to treatment.
• Any loss resulting from an act of terrorism
• A travel visa not issued in time due to a late application

If any of the following conditions or situations applies, you will be considered ineligible for any coverage under a policy with AMA Travel, except for rental vehicle damage insurance:

• You have been diagnosed with a terminal illness and given six months to live.
• You have been advised by a physician not to travel.
• You require kidney dialysis.
• You have ever had an organ transplant, except for a cornea transplant.
• You have been diagnosed with or received treatment for metastatic cancer within the last five years.
• You have been prescribed home oxygen for a lung condition in the last 12 months.

You can file a claim online 24/7 by visiting the AMA Travel website and accessing the appropriate claim form(s). Depending on the kind of claim, you will also need to provide supporting documentation.

For example, for accidental dental expenses you will need to provide an accident report from the physician or dentist. For a Trip Cancellation claim due to medical reasons, you’ll need to provide a medical certificate by your doctor stating why travel was not possible as well as your entire medical file.

Other documentation may include:

• Itemized bills from your licensed medical provider
• Original prescription drug receipts
• A report from the airline, cruise or tour operator if your delay claim is due to misconnection
• Original invoices and receipts for out-of-pocket expenses
• Original tickets
• Police reports

AMA Travel Insurance FAQs

Does ama travel insurance pay for medical costs upfront.

Yes, in most cases AMA will pay hospitals, physicians and other medical providers directly. However, the insurer notes that there may be some “incidental expenses” that you will need to pay out of pocket and that you should keep your original receipts to submit for reimbursement. For example, as part of your emergency medical coverage you are entitled to a hospital allowance of up to $50 per day to a maximum of $2,000, which will be reimbursed to you as a lump sum after your release from hospital.

Does AMA Travel Insurance cover COVID-19?

Yes. Emergency medical plans with AMA Travel provide coverage for COVID-19-related illnesses when Canadian government travel advisories are at Level 2 (Exercise a high degree of caution) or Level 1 (Exercise normal security precautions). AMA Travel Insurance also provides up to $2.5 million coverage if you are partially vaccinated or up to $5 million if you are fully vaccinated for COVID-related illnesses that occur when travelling during a Level 3 travel advisory (Avoid non-essential travel).

Does AMA Travel Insurance offer coverage extensions?

Yes. Your coverage is automatically extended for five days starting on the final day of your trip due to carrier delays, weather, vehicle breakdown or accidents. If you are hospitalized, your coverage is extended for the period of hospitalization, plus five days after discharge. You can also request an extension if you want to stay longer provided you apply before the expiry date of your policy and you haven’t made any claims or you’re not currently seeking treatment.

Does AMA Travel Insurance require a medical questionnaire?

Yes. Travellers age 60 and over must complete a medical questionnaire that asks questions such as: Has it been more than 18 months since your last medical check-up, have you visited the emergency room more than once in the last 12 months, have you been a smoker in the last five years, have you had surgery in the last 12 months and have you received treatment or medication for cardiovascular conditions, diabetes, cancer, neurological conditions or respiratory conditions?

If it’s discovered that you did not answer the questions truthfully or there are any errors, you’ll be responsible for the first $5,000 of any claim and the additional premium required will be evaluated on the accurate answers.

Does AMA Travel have any age restrictions?

Yes. The single trip premium package (that includes medical and trip coverage) is available to travellers age 84 and under. The medical only plan, non-medical premium package and trip cancellation and trip interruption plan have no maximum age.

When does my coverage with AMA Travel begin?

If you purchase cancellation coverage, it begins the day you buy your policy and ends the day when you make a claim or leave on your trip. Your interruption coverage, if purchased, begins when you leave home. Your delay coverage begins once an insured risk prevents you from returning home as scheduled.

Can I get a refund with AMA Travel?

Single trip medical plans and top-ups are fully refundable before the effective date. Partial refunds are possible as long as there is no claim made on the policy and you can provide proof of early return.

Does AMA Travel offer a free look period?

Yes. AMA Travel offers a 10-day “Right To Examine” period where you can review and cancel your policy within 10 days of purchase if you have not already left for your trip and there is no claim in progress, or that you haven’t experienced a potentially covered event (such as becoming sick).

Can I book my trip with points and then make a claim on my travel insurance?

No. AMA Travel does not insure or reimburse the monetary value of any travel costs that have been booked and paid for with points, miles or any other travel rewards program.

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

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11 Best Travel Insurance Companies in April 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

On a similar note...

Travel Medical Insurance in Canada

We’re accustomed to buying medical insurance before travelling south of the border. Without coverage, we know that an unexpected visit to a U.S. hospital could end up costing an arm and a leg (figuratively speaking, of course). But what we don’t always appreciate is that situation can play out within Canada too.

Consider this: A young, recently married Alberta couple hitches a trailer to their car and drives to B.C., excited to hike Vancouver Island’s rugged West Coast Trail. Leaving their vehicle in Victoria, they set off along the rugged, 75-kilometre route. Midway, however, the man slips and breaks his leg. Instead of indelible memories and scenic photographs, the couple leaves the trail with a $25,000 air ambulance bill, plus another charge of $2,000 for the return of their vehicle.

Knowing what’s covered—and more importantly, what’s not—is essential before embarking on a getaway beyond Alberta’s borders. Brush up on provincial coverage and follow this checklist when planning a trip outside the province.

To fill the gaps in coverage, be sure to purchase travel medical insurance from AMA Travel*—you’ll avoid out-of-pocket expenses on your out-of-province vacation. Get an online quote or visit an AMA centre to find the coverage that’s right for you.

TRAVEL MEDICAL INSURANCE ESSENTIALS

Always carry your provincial health card.  Hospitals, physicians and some emergency services will request it before administering any care. If you don’t have your valid Alberta Health Care card with you and you require or seek medical care outside of Alberta, you may be asked to pay upfront for services.

What’s covered?  The same basic services covered by your Alberta Health Care Insurance plan—such as doctor’s visits, necessary medical exams and hospitalization—are covered in other provinces. But it’s important to know that there’s also a lot that isn’t covered.

What’s not covered?  Care by non-physician practitioners—including chiropractors, physiotherapists and massage therapists—as well as routine dental services, non-emergency eye care, prescription drugs, ambulances or transport back to Alberta are among the services that are not covered . Remember that services not covered in Alberta won’t be covered in other provinces either. It’s not that hard to imagine being involved in a collision and requiring an air ambulance and having family members flown to your hospital bedside. Without travel medical insurance from AMA Travel, all those costs will be yours.

Reciprocity reigns.  For emergency care and physician services, all provinces (except Quebec) have reciprocal agreements. This lets them bill one another for the care of Canadians travelling outside of their home provinces.

Be mindful of Quebec. Without AMA Travel medical insurance in la belle province , you will have to pay upfront for services and apply to the province for a reimbursement once you’re back in Alberta. It’s best to save yourself a bill for thousands of dollars and unnecessary paperwork by getting travel medical insurance before you leave the province.

Purchase before you leave. AMA Travel medical coverage must be bought before you leave Alberta—you can’t buy a plan when an emergency happens.

Make sure you qualify for coverage.  Certain eligibility requirements, restrictions and stable pre-existing conditions will apply when you seek coverage. Ask about different available plans , such as the Canada Medical Plan for travel outside Alberta but within Canada only. There’s also the Multi-Trip Annual Plan, for frequent travellers who criss-cross Canada and the U.S, which provides 365 days of coverage within Canada and 15, 30 or 60 days per trip outside of the country, as many times as you want throughout the year. If you’re travelling outside of Canada and are age 55 or older, you’ll be asked to complete a medical questionnaire to help determine eligibility and coverage. Speak with an AMA counsellor for more details.

Honesty is the best policy.  Always complete the questionnaire correctly. We know insurance forms can be confusing, so take the guesswork out by following our questionnaire tips .

*AMA Travel Insurance is underwritten by Orion Travel Insurance Company.  Certain exclusions, limitations and restrictions apply. Subject to certain terms, conditions and limitations.

ORION Travel Insurance   Reviews

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As with all insurance companies

As with all insurance companies, they will take your money any number of ways but when it comes time to provide good customer serive the fine print is never in the claimants favor. Hidden in some obscure reference is a loop hole that absolves them of any responsibiliy. AND they will not provide you with that information. Wasted money on this company. Save your money .... enjoy the trip and spend the saved money on a more memorable expense.

Date of experience : June 10, 2023

This is worse insurance company I have…

This is worse insurance company I have dealt with in decades do not use. They do not care about you at all this is the under writter for CAA avoid period. It takes a lot to get me upset and they managed to do that.

Date of experience : August 17, 2023

Thanks for nothing

I was on a cruise and needed medical attention . I kept all my paperwork and contacted Orion upon my return . I sent numerous emails with no return . I then talked to 3 different Orion agents over 5 months , all assuring me the necessary forms would be sent by mail . Nothing . Assured I would receive all forms via email for prompt courteous service . Nothing . I doubt Orion personnel read these blogs or else these claims would be answered . If there is a lesson to be learned it is to check reviews of different companies before purchasing in order to prevent this activity from happening again .

Date of experience : April 25, 2022

I picked this insurance company because…

I picked this insurance company because I thought that CAA was good !! Wrong Caa ! big mistake to go with Orión you can't even speak to anyone there . I paid travel insurance for a year , I got sick in Florida called the insurance told me to go to hospital this was in Feb we're in June now I have received 4 letters from the hospital demanding payment .there going to send me to colection !! Unreliable company !! Don't not go with them because Caa was good because that company is garbage !!

Date of experience : June 01, 2022

Travelled to Mexico in Jan 2020 and…

Travelled to Mexico in Jan 2020 and needed some medical attention . The contact emergency number indicated on the wallet size card did not work! I then called the 1-800 number and reached customer service in Ontario...I told her my situation and She put me on hold so she could find where I should go to get treatment. She had trouble finding the location where I was, never mind where to go! I was then told to seek my own help and then submit a claim...So unprofessional I will not be using CAA insurance in the future for travel! Disappointed in Ontario

Date of experience : January 20, 2020

Stay away from CAA

Stay away from CAA. Orion does NOT reimburse nothing. I have bank statements indicating what I paid and received back from flight cancellation but the agency still kept their profit and Orion declined my reimbursement. Paid $300 for full coverage for a year for NOTHING. They are NOT here to help you. They are a business that keeps ALL of your hard earned money. Imagine if I had a REAL emergency, do you really think they would help? NO! Going to report them to better business bureau for Orion and CAA. Never again with those companies.

Date of experience : November 07, 2020

This company has played the game of…

This company has played the game of asking for information that has been provided multiple times. I have waited since April 2020 for a completely legitimate trip interruption due to Covid for $18,000. We had emergency flights home that very clearly fall u see the scope of the insurance. It is Dec 29 and not one dollar has been paid out on my claim. They are scammers and CAA should not be connected to Orion or selling their scam insurance. Orion has made a number of unnecessary hoops to jump through which I have completed and 8 months later they have not reimbursed a single cent of the insurance that I bought from CAA. Do not ever use this insurance company. Orion is a scam.

Date of experience : December 30, 2020

Orion insurance is useless

I as well purchased Orion premium travel insurance prior to covid and our departure date was in May. Its now September and there still "working" on it. I'm cancelling my AMA membership and I will never ever use any of there services again.

Date of experience : September 29, 2020

Never Again with this Company

I purchased cancellation insurance for an April 2020 cruise however while in Mexico I had emergency surgery in February. On returning home in mid March, my own Doctor advised me not too travel as I was still recovering. I provided Orion with the Doctors letter, the surgery transcript, the cruiselines cancellation as well as Orions own required documents and on March 26th and here we are , September 7th still waiting. I can't believe CAA would sell this company's insurance. It's useless.

Date of experience : September 07, 2020

Easy and painless to submit claim and received more reimbursement than expected.

I purchased my travel insurance through CAA and they sold me a policy through Orion. While I was traveling abroad, my father passed away, so I had to make an unexpected trip back home. I contacted Orion and was on hold for a half hour, but eventually I did get through. They confirmed that my travel insurance would cover up to $1000 CAD for a return flight home. This was also written in the policy. They started my claim and emailed me the paperwork. I bought my return ticket departing the next morning, costing $1469.60. I was flying from Australia to Canada and this was the least expensive option I could find. Ten days later, I submitted all the forms and documents to Orion through their online platform. Three and a half weeks later, I received an email saying my claim had been reviewed and they'd sent me a payment for the eligible expenses. Much to my surprise, it said they covered the full cost of my flight and sent me a payment for $1469.60, instead of $1000. I checked my bank account and they did indeed send the full amount. I'm very grateful. I'm also impressed how easy it was.

Date of experience : April 18, 2023

Although all documents were supplied, they asked for information from my travel agent. She emailed them right away. Over a month later, they asked my travel agent for the exact same information. They told me they don't have documents and when I pointed out that they were supplied with the original claim and gave them the attachment name, they were surprised. When I originally filed my claim at the end of March, it was a 60 day turn around. It is now 135 days since I filed my claim and they are still playing the insurance company games. DO NOT USE THEM!

Date of experience : August 13, 2020

Not ethical.

Not ethical. Purchased insurance from CAA in good faith for a flight in March. My husband was ill and that’s why I bought it. Covid wasn’t an issue here. I’ve jumped through every hoop. Provided all requested documentation. I’m a senior. Trip was to see a friend whose husband died. I didn’t want a flight credit. Not going to use it. Why would I stay with CAA? So disappointed.

Date of experience : September 11, 2020

Purchased an annual multi travel…

Purchased an annual multi travel insurance package for my husband and I. As a result of covid trips were cancelled and one trip I submitted a claim for $50 only as the tour company kept 10 percent of the deposit. I submitted in May 2020 with all the necessary documents/info. Matter of fact I had to submit again, even travel company submitted information for clarification, now before appeal. If I cannot get back $50 I don't have any faith this company will support or pay if something serious happens on a trip. Got a letter saying 20 percent discount if we purchase another year of travel insurance. Even one star is too high. Poor correspondence as well. CAA should disassociate themselves from this travel insurance company. As a result I have little confidence in CAA products they sell.

Date of experience : October 23, 2020

Purchased travel insurance through CAA…

Purchased travel insurance through CAA in Jan for a trip to Spain. Tour operator cancelled due to COVID 19 travel restrictions put a claim to Orion and was declined. Will be cancelling my CAA membership.

Date of experience : November 03, 2020

Don't Hope For Trip Cancellation

This company is not honouring trip cancellation for COVID-19. The company has quoted in the past that they will not be excluding cancellation coverage due to COVID-19 (google the phase "orion covid-19" to find news coverage). Orion travel insurance is denying my claim for trip cancellation from the COVID-19 travel advisories! This is a class action lawsuit in the making!

Date of experience : March 14, 2020

Terrible insurance through AMA

Terrible insurance through AMA. Still waiting for refund since March due to Covid. Pathetic excesses.

Date of experience : January 11, 2021

I travel in December in Europe i by…

I travel in December in Europe i by travel insurance premium 510 dollars this company take 8 months time and denied for no reason I spent in hospital more then 16000 dollars this company is SCAM never buy polici from this scam travel insurance

Date of experience : October 03, 2021

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