cgu travel insurance international

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The 5 Best International Travel Insurance Companies for 2024

Allianz Travel Insurance »

AIG Travel Guard »

Generali Global Assistance »

World Nomads Travel Insurance »

GeoBlue »

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 International Travel Insurance Companies.

Table of Contents

Allianz Travel Insurance
AIG Travel Guard

With demand for international travel still on the rise, buying travel insurance makes more sense now than ever before. Having an international travel policy in place will ensure you won't lose the money you spent if your trip is canceled or interrupted for reasons beyond your control – or if your bags are delayed or lost entirely by your airline or cruise line .

Other protective benefits come from the best international travel insurance policies as well, including travel medical coverage for unexpected medical expenses and emergency medical evacuation. You may even find that the destination you plan to visit requires travel insurance, although most countries have dropped travel insurance requirements they initially put in place due to the pandemic.

U.S. News editors compared more than 20 of the top providers to find the best travel insurance companies for trips around the world. If you're hoping to secure the best international travel policy for your needs this year, the policies outlined below provide a solid foundation for you to start your research.

Frequently Asked Questions

While many countries began mandating travel insurance for visitors during the COVID-19 pandemic, most have loosened entry requirements and dropped this condition by now. Countries that still require international visitors to have travel insurance include the following:

Antarctica: Travel medical insurance is generally required by cruise lines and tour operators for trips to Antarctica , with a standard minimum of $100,000 in emergency medical and evacuation coverage.
Ecuador: You do not need travel insurance to visit the country of Ecuador, but you do need insurance with medical coverage to visit the Galápagos Islands .
Qatar: Travelers visiting Qatar for more than 30 days are required to have a travel insurance policy that is approved by the country's Ministry of Public Health.
Saudi Arabia: Visitors to Saudi Arabia from eligible countries must pay for an eVisa, and the cost includes compulsory travel insurance coverage.

International travel insurance works the same as travel insurance for domestic trips. These plans include various coverage options and coverage limits, and a deductible may or may not apply. Travelers can choose to purchase international travel insurance for a single trip or multiple trips; long-term plans for expats and missionaries are available from some providers.

While travel insurance policies can include a broad range of coverages, the main protections you'll want for international trips include the following:

Trip cancellation and interruption coverage: This type of protection can reimburse you for prepaid travel expenses when a trip is canceled or interrupted for a covered reason beyond your control.
Baggage delay insurance: This coverage can pay for incidental expenses that occur when your bags are delayed for a specific period of time (usually six hours or longer).
Lost luggage coverage: This protection can replace your luggage and your belongings or reimburse you for costs if your bags are lost by a common carrier.
Rental car insurance: This type of insurance may provide primary coverage when you rent an eligible rental car.
Emergency medical and dental coverage: This type of insurance will pay for emergency medical treatment or dental expenses that may arise during your trip.
Emergency evacuation coverage: This protection can pay for emergency transportation costs when you're sick or injured during your trip.

Also note that many travelers booking an international trip choose to purchase travel insurance that offers cancel for any reason protection, so they can cancel a trip for any reason at all, even if they just decide they don't want to go. That said, adding CFAR coverage to your policy will make your travel insurance plan more expensive. Most plans also have limits on how much of your prepaid travel expenses can be refunded, which are usually capped between 60% to 80% of your trip costs.

While coverages offered through international travel insurance plans tend to be broad, keep in mind that this type of insurance won't cover every situation that could arise. Some common issues that are not covered by international travel insurance plans include:

Acts of war
Claims due to air or water pollution
Claims due to natural disasters
Epidemics not specifically included in coverage
Extreme, high-risk sports
Government regulations or proclamations
Nuclear radiation and contamination
Terrorist events
Travel bulletins or alerts

Many travel credit cards offer international travel insurance benefits, but you should know that these coverages have some limitations. For example, travel insurance plans from credit cards never provide meaningful amounts of coverage for medical emergencies or dental emergencies. You also have to pay for each trip with your travel credit card for coverage to apply.

The best international health insurance plan depends on factors like the length of your trip, where you're traveling and how much coverage you need. While you can take the time to get quotes from several different companies, websites like TravelInsurance.com and Squaremouth make it easy to compare coverage details, limits and pricing among several providers all in one place.

The cost of international travel insurance varies and can depend on your age, the length of your trip, your total trip cost and other factors. Consider getting multiple travel insurance quotes through TravelInsurance.com to get an idea of the cost of coverage for your upcoming travel plans.

Allianz Travel Insurance: Best Overall
AIG Travel Guard: Best for the Cost
Generali Global Assistance: Best for Medical
World Nomads Travel Insurance: Best for Active Travelers
GeoBlue: Best for Expats

Buy coverage for single trips or multiple trips at once

Annual plans available

Lower coverage amounts for emergency medical expenses than some other plans

Trip cancellation coverage up to $100,000
Trip interruption coverage up to $150,000
Emergency medical coverage up to $50,000
Emergency medical transportation coverage up to $500,000
Trip change protector coverage worth up to $500
Baggage loss and damage coverage up to $1,000
Baggage delay coverage up to $300 (12-hour delay required)
Travel delay coverage up to $800 ($200 per day)

Add-on coverage available for lodging expenses, preexisting medical conditions and rental cars

Optional CFAR coverage available with some plans

Coverage limits for its lowest-tier Essential plan may be insufficient for some trips

Add-on coverage for preexisting conditions must be purchased within 15 days of the initial trip payment

Trip cancellation coverage worth up to 100% of the trip cost
Trip interruption coverage worth up to 100% of the trip cost
Baggage coverage worth up to $750
Up to $200 in coverage for baggage delays
Travel medical expense coverage worth up to $15,000
Up to $150,000 in coverage for emergency medical evacuation

Choose medical coverage limits based on your needs

Generous limits for emergency medical expenses and medical evacuation across all plans

CFAR coverage must be purchased within 24 hours of initial trip deposit and is only available with Premium plan

Rental car coverage only included in top-tier Premium plan

Trip cancellation coverage up to 100% of the trip cost
Trip interruption coverage up to 175% of the trip cost
Travel delay coverage up to $1,000 per traveler ($300 daily limit)
Up to $2,000 per person in baggage protection
Up to $2,000 in coverage for sporting equipment
Up to $500 per person for baggage delays
Up to $500 per person for sporting equipment delays
Up to $1,000 per person in protection for missed connections
Up to $250,000 per person in coverage for emergency medical and dental procedures
Up to $1 million in coverage for emergency assistance and transportation
Up to $25,000 per person in rental car coverage
Up to $100,000 per plan in accidental death and dismemberment coverage

24-hour travel assistance services included

More than 200 sports and activities covered in every plan

Coverage limits within standard plans may be insufficient

No coverage for most preexisting conditions

Up to $10,000 in coverage for trip cancellation
Up to $100,000 in coverage for emergency medical expenses
Up to $500,000 in protection for emergency medical evacuation
Up to $3,000 in protection for damage or theft to your bags or gear

Purchase international travel medical insurance for individual trips, multiple trips or long-term travel

Coverage is mostly for emergency medical expenses abroad

Some plans require a primary U.S. health insurance plan

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has covered travel and travel insurance for more than a decade. Johnson has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and she has experience navigating the claims and reimbursement process. On a personal level, her family uses an annual travel insurance policy from Allianz. Johnson also works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – in their family media business.

9 Best Travel Insurance Companies of 2024

Holly Johnson

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Does My Health Insurance Cover International Travel?

Private health insurance typically doesn't cover international travel expenses.

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Insurance Options

Need travel insurance for your next trip? Cover-More Travel Insurance offers a range of insurance options. In partnering with CGU Insurance, we can help you access Cover-More Travel Insurance.

Choose your cover

International Cover

International Travel Insurance plans help to protect your trip abroad and can provide cover for overseas emergency medical expenses, missed flight connections or travel delays, lost or stolen luggage, and so much more.

Domestic Cover

Need a little extra protection for your Australian holiday? Domestic Travel Insurance plans give Australian residents cover for expenses such as lost or damaged luggage and personal effects, cancellation costs, rental car insurance excess and more.

Single or multi-trip options

Cover-More offer a range of plans to choose from, depending on your travel needs. Annual multi-trip plans give you the flexibility to travel without the need to purchase a new policy for every trip.

Going overseas?

Travel more and worry less, knowing your travel insurance is sorted if things go wrong while you're away. Cover-More’s International Travel Insurance plans give you a choice of cover options which can provide cover for overseas emergency medical expenses, personal liability, luggage and travel documents, cancellation costs and more.

We can help arrange Domestic Travel Insurance for your trip, through Cover-More Travel Insurance.

Cover-More offer Domestic Comprehensive and Domestic Cancellation plans, if you’re an Australian resident travelling within Australia. Domestic travel insurance can help if something unexpected happens and you need to rearrange or cancel your trip (like if you get sick while you're away).

When you choose Domestic Comprehensive cover, your policy will include cover for:

Luggage and travel documents
Rental car insurance excess
Travel delays
Additional travel and accommodation expenses.

This cover has limits, sub-limits and exclusions, so read the Product Disclosure Statement (PDS) for full details of what’s covered.

Cover-More offer a range of plans to suit different travel needs and budgets. Annual Multi-Trip plans give you the flexibility to travel without the need to purchase a new policy for every trip. Whether you are planning just one trip this year or several, Cover-More have a range of travel insurance plans to choose from. Cover-More’s International Comprehensive Plan and Domestic Comprehensive Plan are both available as a Single Trip or Annual Multi-Trip policy.

Travel Insurance Plan options

Annual multi-trip

Annual multi-trip plans give you the flexibility to travel without the need to purchase a new policy for every trip.

Gives you year round cover to destinations that are over 250 km from your home.
Gives you year round cover to destinations that are less than 250km from home, if your trip includes at least one night of paid accommodation (like in a hotel or Airbnb).
The option to select your preferred trip duration and the flexibility to take an unlimited number of trips within your annual policy period. You can choose 30, 45 or 60 days on the International Comprehensive Plan, or 15 or 30 days on the Domestic Comprehensive Plan.

Single trip

A Single Trip policy gives you insurance cover for one journey. If you don’t need cover for multiple trips in a year, consider if a Single Trip policy suits your travel needs.

COVID-19 Cover

If you are diagnosed with COVID-19 whilst travelling, we have benefits available on our domestic and international policies including cover for overseas medical costs.

Common scenarios for COVID-19 cover will be automatically included when taking out travel insurance with Cover-More. The level of benefits included will depend on the coverage and the type of policy you decide to purchase.

COVID-19 benefits may include:

COVID-19 cover for overseas medical costs 1
COVID-19 cover for cancellation and amendments 2
Cover for additional COVID-19 expenses 3

IMPORTANT DOCUMENTS

We're here when you need us, we're here when you need us.

Emergency Assistance

Travel Advice

If you need urgent help, you can call Cover-More 24/7

From Australia

1300 889 137

Depending on your needs, Cover-More can help if:

You need to find a medical facility and/or a doctor who speaks English
You need to pay medical bills (if your claim is approved)
You’ve lost your passports, travel documents or credit cards
You need legal help or help getting home

Calling from overseas

Cover-More also have numbers you can call from outside Australia. If you're in:

New Zealand, call 0800 600 702
The United Kingdom, call 0800 001 5068
USA 833 462 8181
Canada 1833 511 9289
Any other country, call (02) 8907 5221

When you call, have your Cover-More Travel Insurance policy number handy and a phone number Cover-More can call you back on.

Claim online now through Cover-More’s easy, 5-step process:

1.Describe the incident

2.Enter your expenses or losses

3.Upload any supporting documents

4.Provide your bank details

5.Review and finalise your claim

You can save and return to an incomplete claim for up to 28 days.

Once you've lodged your claim, Cover-More will update you on how it's progressing within 10 working days.

Follow up an existing claim.

Cover-More understand that as a result of your incident, you might already be out of pocket. That's why Cover-More try to process claims as quickly as possible.

You'll hear from Cover-More within 10 working days from the time they receive your claim.

To check your claim's progress, log into Cover-More’s online claims centre or contact them for more details.

Important information

CGU Travel Insurance is issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507) (ZAIL). Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) acts under a binder authority from ZAIL. Cover-More will administer the policies and arrange for the issue of insurance on behalf of ZAIL. Cover-More has authorised Insurance Australia Limited (ABN 11 000 016 722; AFSL 227681) trading as CGU Insurance to distribute the product. QPCU Limited trading as QBANK ABN 79 087 651 036, AFSL No. 241413 distributes the product under a contract with CGU.

Any advice is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase CGU Travel Insurance, you should consider your personal circumstances, the Combined Financial Services Guide (FSG) and Product Disclosure Statement (PDS) and Target Market Determination available at policy.poweredbycovermore.com . If you decide to purchase CGU Travel Insurance from CGU, they receive a commission. For more information please refer to the Combined FSG/PDS .

1 Medical cover will not exceed 12 months from onset. Medical evacuation cover subject to claim approval. 2 Conditions and limits apply to COVID-19 cancellation cover. Cancellation cover applies to the International and Domestic Comprehensive policies. See the Combined FSG/PDS for more information. 3 Cover is for reasonable Additional accommodation expenses (room rate only) and Additional transport expenses. Conditions apply to COVID-19 additional expense cover. See the Combined FSG/PDS for more information.

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We acknowledge the Traditional Owners of the lands on which we operate and pay our respects to Elders past, present, and emerging. We also acknowledge the important role Aboriginal and Torres Strait Islander peoples continue to play within the communities in which QBANK operates and where our team members reside.

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Travel Insurance

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We're currently revamping our travel insurance vertical. In the meantime, you can get a free online travel insurance quote through Fast Cover today!

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Fast Cover Travel Insurance provides travel insurance for a variety of trip types. You can get a travel insurance quote at fastcover.com.au or call 1300 409 322.

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CGU Travel Insurance

Our verdict: although cgu has a good range of benefits and customisation options, it was one of the only brands we found with absolutely no cover for covid-19..

In this guide

Summary of CGU Platinum Plan

How does cgu travel insurance cover covid-19, what policies does cgu offer, here's a breakdown of cgu travel insurance features, standard features, optional add-ons, how to make a cgu travel insurance claim, here's the bottom line about cgu travel insurance, frequently asked questions, request travel insurance quotes and compare policies.

Destinations

Financial default is covered up to $2,500, so you'll be protected if a provider goes bust. Many travel insurance brands don't provide any cover at all.
Riding a motorbike or moped is covered as standard, as long as you have the appropriate licence and are behaving in a safe way.
There's no cover for any claims related to COVID-19, including overseas medical care. This is extremely rare. Most travel insurance brands offer at least some cover.
There's no option to add an adventure pack so some higher-risk activities can't be covered, such as quad biking, parachuting or trekking the Kokoda Trail.

Compare other options

Table updated October 2023

CGU offers no cover for any claims related to COVID-19. This is extremely rare.

Most Australian travel insurance brands offer some cover for COVID-19. Often, brands will cover overseas medical expenses incurred as a result of COVID-19 and some brands even cover the cost of delays, cancellations, emergency transport or accommodation costs, and other related incidents.

CGU offers six insurance policies to travellers. The Platinum Plan, Premium Plan, Essentials Plan, Domestic Plan and Cancellation Only Plan.

Cancellation-Only

Annual Multi-Trip

The insurer of this product is Insurance Australia Limited. It comes with a cooling-off period of 21 days and choice of $200 standard excess for international plans.

These are some of the main insured events that CGU will cover.

Be aware, some of these benefits only apply on the Premium International Plan and exclusions apply. Always read the PDS.

Overseas medical treatment
Lost, damaged or stolen property
Trip cancellation or amendment
Additional accommodation and transport
Rental vehicle excess
Financial default
Theft of money
Luggage and travel delay
Kidnap and hijack
Personal liability
Accidental disability
Accidental death

CGU also offers two add-ons that provide cover for a wider range of risks.

Ski and Winter Sports Option. Extend your policy to cover you while on the slopes, plus a range of specific risks such as piste closure, life passes, and avalanche.
Cruise Cover Extends your insurance policy to cover you while on a cruise as well as a range of cruise-related risks such as marine rescue, shore excursion cancellation, and formal attire. li>

Unfortunately, travel insurance doesn't cover everything. Generally, CGU will not pay your claim if it relates to:

COVID-19 or any other pandemic or epidemic
Unlawful, wreckless or unreasonably unsafe behaviour by you
Behaviour while you were drunk or under the influence of drugs
Expenses related to a pre-existing medical condition not listed on your policy
An act of war, invasion or revolution
Mandatory quarantines or isolations
You being unfit to travel or travelling against medical advice
Childbirth or pregnancy complications after the 24th week of gestation
An elective medical or dental treatment , cosmetic procedure or body modification (including tattoos or piercing)
Self-inflicted injury or illness, suicide or attempted suicide

Make sure you review the CGU PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions .

To start your claim, call CGU on 13 24 80. You'll need any relevant evidence or supporting documentation on hand, including medical reports, police reports, receipts, photos, tickets, etc.

Once your claim is lodged with CGU, a case manager will be allocated and you'll be contacted regarding the next steps.

While CGU has some good travel insurance benefits that other brands are missing, such as cover for financial default and loss of income, it lags in some major areas.

Namely, COVID-19. CGU offers no protection whatsoever for claims related to COVID-19, including overseas medical expenses. Many other brands cover this as standard, and some even cover any COVID-19 related incident outside of your control.

While motorcycle riding is covered as standard, there is also limited protection for adventure activities and cover for pregnancy ends at the end of the 24th week.

I'm based in SA and can't buy CGU travel insurance. Why?

If you're based in SA, WA or the NT you'll need to contact one of CGU's insurance partners or associated insurance brokers to buy a policy.

Is there an age limit for CGU travel insurance?

Generally speaking, there is no age limit for CGU travel insurance. However, age limits may come into force depending on your location or length of trip..

Does CGU offer emergency help while overseas?

Yes, you can call CGU's emergency assistance line on 0288 950 698, 24/7.

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Nicola Middlemiss

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds.

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Travel Insurance – Can you let me know if I can get 12months cover as I plan to do maybe three trips in this period. Japan, Europe, USA. Can you give me contact details so I can obtain quote.

Thanks for leaving a question on finder.

Unfortunately, finder.com.au does not currently have access to this travel insurance brand. If you are looking for an Annual Multi trip insurance, you can compare and weigh your options here:

https://www.finder.com.au/travel-insurance/annual-multi-trip-travel-insurance

You will have to choose worldwide when filling out the form.

Cheers, Joel

Travel Insurance query – I am 24 years of age, flying Perth to Paris depart 21 Sept arrive 22 Sept and then taking the train Paris to London on 24 Sept to study for several years in England. I would like one way cover for the trip, ‘super’ cover. Can you do this? What is the premium? How do I get this cover – note there is no ‘return’ date. Regards Amy

Thanks for your question. finder.com.au is a comparison service and not an insurer. You’ll need to contact CGU directly as they are not part of the panel of insurers that we have access to.

All the best, Richard

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CGU Travel Insurance

Important information on terms, conditions and sub-limits.

Wondering if CGU Travel Insurance is the perfect option for your overseas travel plans? Read on to know more about the key features of CGU Travel Insurance policies, frequently asked questions and general exclusions that you should know about.

CGU is one of Australia’s largest commercial, rural and personal insurance companies. It has been operating in Australia for almost 160 years and is part of Insurance Australia Group (IAG). The company manages around 350,000 claims every year and on average pays 98 per cent of the claims it receives. Along with travel insurance, CGU also offers car insurance, home insurance and life insurance solutions to its customers.

CGU travel insurance plans

CGU offers four levels of international cover so that depending on the kind of trip you are planning you can opt for a policy that matches your travel needs. Do remember that based on your destination you may need to go with a minimum level of cover for adequate protection. Here’s a snapshot of CGU travel insurance plans that you can choose from:

Single Duo Family Group

Limits shown apply

Covid medical cover

Covid cancellation cover

Overseas emergency hospital expense

Overseas emergency medical assistance

Maximum excess

Cancellation fees

Pay extra for no excess

Luggage and personal effects

Additional accomodation & travel

Emergency companion

Resumption of journey

Hospital cash allowance

Accidental death

Permanent disability

Loss of income

Credit Card fraud and replacement

Travellers cheques

Travel documents

Rental vehicle excess

Alternative travel expenses

Personal liability

Pre existing conditions

Cardiovascular disease

Mental health illness

High cholesterol

High blood pressure

Blood thinning medication

Activities covered

Bungee jumping

Conservation work

Mountain biking

Mountaineering

Rock climbing

Scuba diving

Snow sports

Ocean Cruise

Assessment required, may cost extra

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Frequently asked questions about CGU Travel Insurance

Q1. what is included under cgu travel insurance covers.

Some of the key inclusions under CGU Travel Insurance are:

Overseas medical, dental and additional medical expenses
Luggage and travel documents
Emergency purchases for lost or delayed luggage
Cancellations, delays and rescheduled travel cover
Returning you to Australia if medically required
Video cameras, cameras, portable electronic equipment
Return of hired car and excess waiver
Loss of income if you are unable to return to work once you get back to Australia

Q2. Are pre-existing medical conditions covered under CGU Travel Insurance?

CGU Travel Insurance provides cover for certain pre-existing medical conditions automatically. Some of the conditions, which will be covered provided they are stable and you or anyone else to be covered are not waiting for treatment, results of medical tests or investigations in relation to any of these conditions are, asthma, cataracts, diabetes, epilepsy, gout, hypertension and pregnancy up to and including 24 weeks as long as no complications exist and the conception was not medically assisted. But in case you do have a pre-existing condition, it’s always advisable to read the policy document carefully to understand any specific exclusions or other terms and conditions that could be related to your illness or condition.

Q3. What if I have a medical condition that is not automatically covered under CGU Travel Insurance?

You can add extra cover for a pre-existing medical condition that is not automatically covered under your travel insurance plan. To apply for this option, you will first need to contact CGU for a medical assessment. If your cover is approved, your approval number will need to be listed on your Certificate of Insurance and you will need to pay any additional premium that the insurance provider asks for. Don’t forget that you cannot declare and apply for pre-existing condition cover after you have departed on your journey.

Q4. What do I do if there is an emergency during my trip?

CGU Travel Insurance is all about keeping you protected while you’re away from home. So if you’re stuck in an emergency while travelling, you can seek support from anywhere in the world through their 24-hour Worldwide Emergency Hotline. The multilingual staff will help you manage any problems or emergencies.

Q5. Is it possible to cancel my CGU Travel Insurance policy?

With CGU Travel Insurance, you’ll have a cooling off period of 21 days from the date that your insurance was confirmed. During this time, if you can cancel your CGU policy you will be eligible to get a full refund of your premium. However, cooling off rights do not apply if you have already started your journey or if you’ve already made a claim .

Exclusions to look out for in CGU Travel Insurance

Even after you’ve read the travel insurance policy features, always remember to carefully comb through the Product Disclosure Statement (PDS) to look for fine print that could be important while filing a claim. Here’s a quick checklist of general exclusions with CGU Travel Insurance policy. A claim could be rejected if it is caused by:

Any incident that does not occur during the period of insurance
Any accident, illness or disease if you are 70 years of age or over and have purchased a Super Plus, Super, Standard or Economy Plan (unless you have applied for and CGU has agreed to cover you for medical and dental cover)
pregnancy or childbirth, involving you or any other person, after the end of the 24th week of pregnancy
Any act of violence or intentional damage by you
Any sporting activity you play for which you receive financial reward or benefits from participating in that activity, regardless of whether or not you are a professional sports person
Breach of any government prohibition or regulation, including the failure to obtain a visa, work permit or passport when you are required to do so
War or warlike activities, invasion, acts of foreign enemies, civil war, revolution, insurrection or act of a military power
Travel booked or undertaken against the advice of a doctor or after a terminal illness had been diagnosed
Nervousness, anxiety, depression or stress-related disorders that results in a disinclination to travel
The failure of any travel agent, tour operator, accommodation provider, airline or other carrier, car rental agency or any other travel or tourism service provider to provide services or accommodation due to their insolvency, or the financial insolvency of any person, company or organisation they deal with

How to make a successful claim with CGU Travel Insurance

Making a claim with CGU Travel Insurance is quite an easy process. You’ll need to submit the completed claim form within 30 days of completing your journey. You’ll also need to attach the following documents along with the form before submitting it:

For medical or dental expenses. Written confirmation of your illness or injury from a qualified member of the medical or dental profession
For loss or theft of luggage items. A copy of the report you lodged with the Police or other appropriate authority from where the loss or theft was reported, along with evidence of ownership, such as original receipts or operating manuals
For delay of luggage. Written advice from your transport provider of the amount of compensation you are entitled to claim for the delay
For cancellation or rescheduling expenses. Original receipts, tickets, or a letter from the travel agent showing any charges to re-arrange or cancel your journey, or a doctor’s certificate or letter from the carrier

How is CGU Travel Insurance rated by the Mozo Community?

Read how the Mozo community has rated CGU Travel Insurance policies and services on a number of factors ranging from value for money to customer satisfaction.

CGU travel insurance

Overall 8.9

Value for money

Policy coverage

Customer service

Claims handling

Recent CGU travel insurance customer reviews Recent CGU travel insurance customer reviews

CGU Travel Insurance review

Overall rating 9 / 10

Excellent travel insurer

CGU was very responsive to our travel claim and, although it was very complex, they were true to their word and paid out our claim. Cons- none really. We took out top cover and we are so glad we did.

Full review

Value for money 8 / 10

Policy coverage 9 / 10

Customer service 10 / 10

Claims handling 10 / 10

Trust 9 / 10

Anne, Western Australia, reviewed over 2 years ago

Overall rating 8 / 10

Great, friendly and prompt customer service

When my wife got very sick and had to go to hospital in Thailand the service we got from CGU was excellent. They made us feel very safe and kept in contact with us through the whole week. We will always travel with CGU as our insurer.

Trust 8 / 10

Daniel, Western Australia, reviewed about 8 years ago

Great customer service

Paperwork was easily filled in. The customer service person was knowledgeable and courteous. Responded quickly to an enquiry I made to confirm the commencement date of the insurance cover. For an older person with limited business knowledge the...

Barbara, Victoria, reviewed over 8 years ago

Personalised service with 1 consultant

Although the initial contact was a little difficult, everything was taken care of at the worst of times for us and there was plenty of follow-up calls to make sure we were OK.

Value for money 9 / 10

Ralph, Western Australia, reviewed almost 9 years ago

Overall rating 10 / 10

Competitive service

Easily done, reputable company.Also have my motor vehicle & house contents with them.

Robert, South Australia, reviewed over 9 years ago

Compare CGU Travel Insurance policies with other Australian insurance companies

Still not sure if CGU Travel Insurance is the right choice for your next overseas trip? Let Mozo’s travel insurance comparison tool make it simpler for you by comparing CGU and other Australian travel insurance providers based on your travel plans. All you need to do is punch in some basic travel details like your destination, travel dates, number and age of travellers, and you’ll get a list of travel insurance plans to choose from.

If you have more questions on overseas travel insurance, check out our detailed guides on topics like pre-existing conditions , seniors travel insurance and family travel insurance . For more thrifty travel tips, head over to our travel section as well the best $20 series where real travellers share their money savvy secrets from around the world.

Compare Travel Insurance from major brands including:

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Who we are and how we get paid

Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising.

We do not compare all brands in the market, or all products offered by all brands. At times certain brands or products may not be available or offered to you. If you proceed with a travel insurance policy through Mozo, Mozo may receive a referral fee.

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Travel Insurance

Need travel insurance for your next trip? Cover-More Travel Insurance offers a range of insurance options. In partnering with CGU Insurance, we can help you access Cover-More Travel Insurance.

Cover-More offer a range of plans to choose from , depending on your travel needs. Annual multi-trip plans give you the flexibility to travel without the need to purchase a new policy for every trip.

Tell me more

Going overseas?

Travel more and worry less, knowing your travel insurance is sorted if things go wrong while you're away.

Cover-More’s International Travel Insurance plans give you a choice of cover options which can provide cover for overseas emergency medical expenses, personal liability, luggage and travel documents, cancellation costs and more.

Travelling Australia?

We can help arrange Domestic Travel Insurance for your trip, through Cover-More Travel Insurance.

When you choose Domestic Comprehensive cover, your policy will include cover for:

Luggage and travel documents

Rental car insurance excess

Travel delays

Additional travel and accommodation expenses.

This cover has limits, sub-limits and exclusions, so read the Product Disclosure Statement (PDS) for full details of what’s covered.

Multi-trip options

Travel Insurance Plan options

Annual multi-trip

Annual multi-trip plans give you the flexibility to travel without the need to purchase a new policy for every trip.

Gives you year round cover to destinations that are over 250 km from your home.

Gives you year round cover to destinations that are less than 250km from home, if your trip includes at least one night of paid accommodation (like in a hotel or Airbnb).

The option to select your preferred trip duration and the flexibility to take an unlimited number of trips within your annual policy period. You can choose 30, 45 or 60 days on the International Comprehensive Plan, or 15 or 30 days on the Domestic Comprehensive Plan.

Single trip

A Single Trip policy gives you insurance cover for one journey. If you don’t need cover for multiple trips in a year, consider if a Single Trip policy suits your travel needs.

COVID-19 Cover

If you are diagnosed with COVID-19 whilst travelling, we have benefits available on our domestic and international policies including cover for overseas medical costs.

COVID-19 cover for overseas medical costs 1

COVID-19 cover for cancellation and amendments 2

Cover for additional COVID-19 expenses 3

Important Documents
Product Disclosure Statement (PDS) and Financial Services Guide (FSG)
Target Market Determination
CGU Insurance’s FSG

We're here when you need us

If you need urgent help, you can call Cover-More 24/7

From overseas: (02) 8907 5221

From Australia:1300 889 137

It’s simple and easy to make a claim.

Call Cover-More to get started.

From Australia: 1300 889 137

From overseas: (02) 8907 5221

Or lodge a claim online

Dip your toe before you dive in by

findin g out everything you need to know before you go.

Learn more

To speak to us about an existing policy

Call 1300 889 137

Email [email protected]

Learn more - Emergency Assistance

If you need urgent help, you can call Cover-More 24/7

From Australia

1300 889 137

Depending on your needs, Cover-More can help if:

You need to find a medical facility and/or a doctor who speaks English

You need to pay medical bills (if your claim is approved)

You’ve lost your passports, travel documents or credit cards

You need legal help or help getting home

Calling from overseas

Cover-More also have numbers you can call from outside Australia. If you're in:

New Zealand, call 0800 600 702

The United Kingdom, call 0800 001 5068

USA 833 462 8181

Canada 1833 511 9289

Any other country, call (02) 8907 5221

When you call, have your Cover-More Travel Insurance policy number handy and a phone number Cover-More can call you back on.

Learn more - Claims

Claim online now through Cover-More’s easy, 5-step process:

Describe the incident

Enter your expenses or losses

Upload any supporting documents

Provide your bank details

Review and finalise your claim

You can save and return to an incomplete claim for up to 28 days.

Once you've lodged your claim, Cover-More will update you on how it's progressing within 10 working days.

Follow up an existing claim - Log in

Cover-More understand that as a result of your incident, you might already be out of pocket. That's why Cover-More try to process claims as quickly as possible.

You'll hear from Cover-More within 10 working days from the time they receive your claim.

To check your claim's progress, log into Cover-More’s online claims centre or contact them for more details.

Limits, sub-limits, conditions and exclusions apply. Any advice provided is general only and does not consider your needs or financial situation. To see if the product is right for you, always consider the Product Disclosure Statement and Target Market Determination .

Cover is subject to limits, sub-limits, conditions, and exclusions in the PDS. Travel insurance issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507), arranged and administered by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713), and promoted and distributed by Insurance Australia Limited (ABN 11 000 106 722; AFSL 227681) trading as CGU Insurance and its distribution partners (including Railways Credit Union Limited trading as MOVE Bank ABN 91 087 651 090, AFSL 234 536)). Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Consider your own needs and the Combined PDS/FSG available from here to decide if this product is right for you. For information on the Target Market and Target Market Determinations visit here .

COVID-19 Cover Disclaimer

1 Medical cover will not exceed 12 months from onset. Medical evacuation cover subject to claim approval.

2 Conditions and limits apply to COVID-19 cancellation cover. Cancellation cover applies to the International and Domestic Comprehensive policies. See the Combined FSG/PDS for more information.

3 Cover is for reasonable Additional accommodation expenses (room rate only) and Additional transport expenses. Conditions apply to COVID-19 additional expense cover. See the Combined FSG/PDS for more information.

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What are you looking for?

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Travel Insurance

View our range of Travel Insurance

Need travel insurance for your next trip?

Cover-More Travel Insurance offers a range of insurance options. In partnering with CGU Insurance, we can help you access Cover-More Travel Insurance.

Choose your cover

International Cover

Tell me more

Going overseas?

Travel more and worry less, knowing your travel insurance is sorted if things go wrong while you're away.

Get a quote

Domestic Cover

We can help arrange Domestic Travel Insurance for your trip, through Cover-More Travel Insurance.

When you choose Domestic Comprehensive cover, your policy will include cover for:

Luggage and travel documents
Rental car insurance excess
Travel delays
Additional travel and accommodation expenses.

This cover has limits, sub-limits and exclusions, so read the Product Disclosure Statement (PDS) for full details of what’s covered.

Single or multi-trip options

Cover-More offer a range of plans to choose from, depending on your travel needs. Annual multi-trip plans give you the flexibility to travel without the need to purchase a new policy for every trip.

Travel Insurance Plan options

Annual multi-trip

Annual multi-trip plans give you the flexibility to travel without the need to purchase a new policy for every trip.

Gives you year round cover to destinations that are over 250 km from your home.
Gives you year round cover to destinations that are less than 250km from home, if your trip includes at least one night of paid accommodation (like in a hotel or Airbnb).
The option to select your preferred trip duration and the flexibility to take an unlimited number of trips within your annual policy period. You can choose 30, 45 or 60 days on the International Comprehensive Plan, or 15 or 30 days on the Domestic Comprehensive Plan.

Single trip

A Single Trip policy gives you insurance cover for one journey. If you don’t need cover for multiple trips in a year, consider if a Single Trip policy suits your travel needs.

Covid-19 cover

If you are diagnosed with COVID-19 whilst travelling, we have benefits available on our domestic and international policies including cover for overseas medical costs.

COVID-19 cover for overseas medical costs 1
COVID-19 cover for cancellation and amendments 2
Cover for additional COVID-19 expenses 3

To speak to us about an existing policy

Call 1300 889 137

Email [email protected]

Important Documents

Before you decide on the cover, read the Product Disclosure Statement (PDS) and Target Market Determinations. In the PDS you’ll learn everything you need to know about what’s covered and what’s not.

We’re here when you need us

If you need urgent help, you can call Cover-More 24/7

From overseas: (02) 8907 5221

From Australia: 1300 889 137

From Australia

1300 889 137

Depending on your needs, Cover-More can help if:

You need to find a medical facility and/or a doctor who speaks English
You need to pay medical bills (if your claim is approved)
You’ve lost your passports, travel documents or credit cards
You need legal help or help getting home

Calling from overseas

Cover-More also have numbers you can call from outside Australia. If you're in:

New Zealand, call 0800 600 702
The United Kingdom, call 0800 001 5068
USA 833 462 8181
Canada 1833 511 9289
Any other country, call (02) 8907 5221

When you call, have your Cover-More Travel Insurance policy number handy and a phone number Cover-More can call you back on.

It’s simple and easy to make a claim. Call Cover-More to get started.

Or lodge a claim online

Claim online now through Cover-More’s easy, 5-step process:

Describe the incident
Enter your expenses or losses
Upload any supporting documents
Provide your bank details
Review and finalise your claim

You can save and return to an incomplete claim for up to 28 days.

Once you've lodged your claim, Cover-More will update you on how it's progressing within 10 working days.

Follow up an existing claim

Cover-More understand that as a result of your incident, you might already be out of pocket. That's why Cover-More try to process claims as quickly as possible. You'll hear from Cover-More within 10 working days from the time they receive your claim.

To check your claim's progress, log into Cover-More’s online claims centre or contact them for more details.

Dip your toe before you dive in by finding out everything you need to know before you go.

Visit Smartraveller and stay safe with the latest travel advice.

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Convenient, secure banking when and where you need it

When time is of the essence, we get you answers fast

Profits are returned to you through lower rates and fees

We exist for the benefit of our members. You come first in everything we do.

Important information

Cover is subject to limits, sub-limits, conditions, and exclusions in the PDS. Travel insurance issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507), arranged and administered by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713), and promoted and distributed by Insurance Australia Limited (ABN 11 000 106 722; AFSL 227681) trading as CGU Insurance and its distribution partners (including Horizon Credit Union Ltd ABN 66 087 650 173 AFSL and Australian Credit Licence Number 240573 trading as Horizon Bank). Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Consider your own needs and the Combined PDS/FSG available from here to decide if this product is right for you. For information on the Target Market and Target Market Determinations visit here .

1. Medical cover will not exceed 12 months from onset. Medical evacuation cover subject to claim approval.

2. Conditions and limits apply to COVID-19 cancellation cover. Cancellation cover applies to the International and Domestic Comprehensive policies. See the Combined FSG/PDS for more information.

3. Cover is for reasonable Additional accommodation expenses (room rate only) and Additional transport expenses. Conditions apply to COVID-19 additional expense cover. See the Combined FSG/PDS for more information.

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Head Office 27 Stewart Street Wollongong NSW 2500 General Enquiries 02 4224 7700 Horizon Credit Union Ltd ABN 66 087 650 173 AFSL and Australian Credit Licence Number 240573 trading as Horizon Bank

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Travel Insurance

Whether you’re flying to Bali or escaping winter to Europe, knowing that you’re covered during your journey is peace of mind.

Helping you find the right cover for your holiday

We’ve partnered with CGU, one of Australia’s most trusted insurers, and together our focus is protecting you with market-leading Insurance.

Read Important Information for Travel Insurance: Coronavirus .

Overseas medical

If you need unexpected medical or emergency dental treatment while overseas, you’re covered.

Emergency hotline

24-hour worldwide emergency hotline with CGU and its reverse charge too.

Optional extras

We offer optional extras for cruises, ski and winter sports and specified luggage items.

Compare Travel Insurance Cover

International Platinum

Unlimited medical
$2,000 overseas emergency dental
Unlimited cancellation or rescheduling travel
Unlimited emergency expenses
$15,000 luggage
$1,000 travel delay
$5,000 rental vehicle cover
Choice of excess
$2.5mil personal legal liability

International Premium

$1,000 overseas emergency dental
$25,000 cancellation or rescheduling trav
$25,000 emergency expenses
$7,500 luggage
$3,000 rental vehicle cover
$2mil personal legal liability

International Essential

$15,000 cancellation or rescheduling travel
$15,000 emergency expenses
$3,000 luggage
Travel delay
Rental vehicle cover
$1mil personal legal liability

Domestic Travel

$25,000 cancellation or rescheduling travel
$10,000 emergency expenses
$2,500 luggage
$10,000 accidental death and disability
$4,000 rental vehicle cover

Frequently asked questions

Yes, if you have an insurable trip cancelled, CGU will cover cancellation fees up to your selected plan limit.

If you need to cancel your flights due to certain unforeseen circumstances, CGU will reimburse you the purchase cost.

If you used frequent flyer points, CGU will pay you the value of those points.

If your flights are delayed or interrupted for over 6 hours outside of your control, CGU will cover additional accommodation, meals and expenses incurred while you wait.

CGU cover pre-existing medical conditions, as listed in the Product Disclosure Statement (PDS), at no additional cost.

To find out if your condition is covered, we’ll ask you questions when you get a quote. If your condition is not on the list, you may need to complete a medical assessment.

The quickest and easiest way to make a claim for my general insurances is to contact CGU directly on 13 22 94 . Claims can be lodged 24 hours / 7 days a week.

Enquiries on existing claims can be made from 8:30 am to 5:00 pm local time.

In general, you will need to provide the following details:

Your policy number

Standard information to identify yourself

The name of the insured on the policy

Detailed description of the incident

The date of loss and the loss address

Any details of other parties involved (if applicable).

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What are you looking for?

Online Banking
Travel Insurance

Travel the world knowing you are protected for injury, illness and misfortune with a range of cover options – even including cruise cover, valuables cover or ski spots cover.

Travel Insurance from CGU

Travel the world, but don’t run the risk of injury or illness in a foreign country. CGU have a range of travel insurance options that offer flexible, value-for-money insurances that can cover you for almost any travel-related mishap. Choose the level of cover that best suits you and your travel plans, and feel confident that your travel insurance option has you covered in the event of a mishap.

There are four types of Travel Insurance:

Platinum: top-level cover with unlimited overseas hospital and medical costs, unlimited emergency expenses and many other great benefits
Premium: mid-level cover, including unlimited overseas hospital and medical costs and many other benefits
Essentials: affordable basic cover that includes unlimited overseas hospital and medical costs
Annual Multi-Trip: platinum level cover for multiple international trips within 12 months

Product Features:

4 levels of travel insurance

Overseas medical cover, cover for accommodation, travel and meals in an emergency, emergency assistance hotline with 24/7 claims, optional extras including ski sports cover, cruise cover and valuable item cover, want to know more.

Our features explained

Simple 24/7 Claims

Claims are available 24/7 via phone, so you can make a claim at any time, anywhere in the world.

Travel Insurance Experts

With years of experience with Travel Insurance, CGU’s friendly team has the knowledge to get your travel problem sorted and provide expert guidance in an emergency.

Flexible cover options

Every holiday is different, so we offer a range of insurance options to suit your destination, budget and level of budget – even the option for cruise cover or ski sports cover.

Having trouble deciding which Insurance is right for you?

Use our comparison tool to help find the best option for you., plan your budget.

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Why choose Gateway Bank?

Founded in 1955, with just one employee and a briefcase, gateway bank is now one of australia’s leading customer-owned banks. we put people before profits; 100% of profits are used to benefit our customers rather than shareholder return., our award-winning products and services make your banking simple, secure and flexible to your needs..

Important information

Gateway Bank Ltd ABN 47 087 650 093 has an agreement with Insurance Australia Limited ABN 11 000 016 722 trading as CGU Insurance ("CGU") for the referral of insurance products. Gateway Bank is entitled to receive from CGU a commission being a percentage of premium paid for insurance products issued to you or your business pursuant to this agreement. Please contact CGU on 13 22 94 for further information. Insurance products are issued by CGU. A product disclosure statement (PDS), Target Market Determination (TMD), and/or any further policy wording for the insurance products is available from www.cgu.com.au . You should consider the product disclosure statement and/or any further policy wording before making a decision in regard to your insurance needs.

* Please note that you are about to leave this website and enter a site operated by CGU.

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Best travel insurance plans for 2024: a unique and comprehensive list for travelers from international citizens insurance.

Including the Best Plans for Seniors, Global Nomads, Visitors to the USA, Pets, Adventure Sports Addicts and More

BOSTON, MA / ACCESSWIRE / May 2, 2024 / International Citizens Insurance, a leading international insurance broker, has announced the best travel insurance plans for 2024 summer travel. As the cost of airfare and hotels continues to rise along with the increase in flight delays and cruise cancellations, this list could not have come at a better time for travelers looking to protect their travel plans and their finances.

"This summer's travel season promises a high level of demand, increasing costs, and a strong potential for travel disruptions due to political unrest, weather, and other factors," said Joe Cronin, President of International Citizens Insurance. "Our clients want travel insurance they can trust to help them if they suffer a cancellation, a medical emergency, lost luggage, a natural disaster, or have to change plans due to unforeseen events. With this list, they will be able to find the best overall travel insurers as well as the right plans for their individual needs."

International Citizens Insurance judged each company and plan on six key criteria: the user-friendliness of their site, the ease of policy purchase, the number of countries plans are offered in, how extensive the benefits are, the ease of making a claim and the quality of the company's customer service. The most trusted insurers include WorldTrips , who made history as one of the first insurers to offer plans for purchase over the internet; GeoBlue Travel Insurance , which supports seniors with coverage for people up to 84 years old; and Trawick International, which offers coverage for over 500 adventure sports activities.

To help customers find the best insurance for their specific needs, International Citizens Insurance has also identified the best insurance for several use cases, including Cancel for Any Reason (CFAR) insurance, travel medical plans, and insurance with coverage for pets. International Citizens Insurance has also identified the best plans for clients with special needs, including seniors, missionaries and volunteers, U.S. citizens abroad, and digital nomads.

In today's unpredictable world, travel insurance has become the most essential accessory for any international traveler. Travelers want trip cancellation insurance to protect their trip and travel medical insurance plans to protect their health. But with so many companies out there, which ones can you trust?

Learn more about the best travel insurance companies at https://www.internationalinsurance.com/travel-insurance/best-companies.php .

About International Citizens Insurance

International Citizens Insurance is the insurance division of International Citizens Group. We provide educational content, reviews, and unique comparison engines that enable travelers and expatriates to research, quote, compare, and purchase global life, travel, and international health insurance from various carriers.

Contact Information

Joe Cronin President [email protected] 617-500-6738

Andrew Blomberg Vice President, Global Group Benefits [email protected] (339) 221-5190

SOURCE: International Citizens Insurance

View the original press release on newswire.com.

Best Cheap Travel Insurance of May 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.

In an ever-evolving world, emergency medical and evacuation travel insurance coverage is essential, especially if you're traveling internationally. However, sports equipment coverage, pet protection, and cancel for any reason coverage are among the increasingly popular coverage options that are changing the way we travel. We've gathered the best cheap travel insurance plans to help you protect your trip while on a budget.

Our top picks for the best cheap travel insurance

Best overall: HTH Worldwide Travel Insurance

Best for trip cancellation: Aegis Travel Insurance

Best value: Nationwide Travel Insurance
Best for reputation: Trawick International Travel Insurance

How we rate the best cheap travel insurance »

Compare the Top Affordable Travel Insurance

The best travel insurance meets your needs at a price you're willing to pay. Sometimes, you're just not willing to pay that much. The following companies offer decent coverage for low prices. To determine which companies made this list, we compared quotes across the travel insurance industry for the same trip, making a note of which companies offered particularly good coverage in certain areas and which companies were well reviewed.

Here are the best affordable travel insurance companies picked by Business Insider editors in 2024.

Best overall: HTH Worldwide

The HTH Worldwide Travel Insurance Economy plan offers the most comprehensive coverage across major categories of all the providers in this guide.

You'll have some peace of mind with up to $75,000 of financial protection for eligible medical emergencies, and up to $500,000 per person for medical evacuation costs. For more everyday expenses, you can also relax with baggage loss and delay, trip interruption, cancellation and delay coverage that will help you recoup many, if not all, of your costs.

However, this plan falls short on missed connection benefits and accidental death coverage, both of which are not available under most circumstances (missed connection coverage only applies to cruises, and will only cover up to $500 per person after a three-hour delay).

Read our HTH Worldwide Travel Insurance review here.

The Aegis Travel Insurance Trip Cancellation Plan is exactly that: a cost-effective plan that offers protection in the event that your trip is canceled for a covered reason. The plan we priced out for our hypothetical trip cost just 1.16% of our total travel expenses — a very small amount of money to pay for the guarantee of our money back in the right circumstances.

The benefit is that this plan can supplement other coverage you already have, or give you a little bit of protection for a trip where you might not otherwise have opted for insurance altogether. On the downside, you won't get any protection for medical emergencies, trip interruption or delays or lost bags from this plan.

Read our Aegis Travel Insurance review here.

Best value: Nationwide

Nationwide Travel Insurance is a well-rounded alternative to HTH Worldwide Trip Protector Economy. This plan offers solid protection for both travel-related snafus as well as situations that might call for emergency medical and evacuation, making it a good choice for trips where you have cause to worry about potential interruptions or delays. However, it does not offer protection for missed connections or accidental death.

Read our Nationwide Travel Insurance review here

Best for reputation: Trawick

The Trawick International Travel Insurance Safe Travels Explorer plan has been purchased by more than 36,000 travelers since 2020, and it has great reviews to boot. And no wonder: Trawick offers generous trip delay coverage of up to $2,000 per person, although hopefully you won't need to reach that reimbursement amount because the daily limit is $150.

You'll also be able to rely on a $200 reimbursement per person for lost baggage - one of the higher amounts amongst these affordable plans, although this amount pales in comparison to the baggage loss coverage offered through the best travel credit cards .

Read our Trawick Travel Insurance review here.

Types of Affordable Travel Insurance

Comprehensive coverage.

This type of insurance offers extensive protection, covering everything from medical issues to trip cancellations. While it's more expensive up front, it can save you a lot in the long run.

Medical-Only Coverage

As the name suggests, this policy focuses solely on medical emergencies, making it a cost-effective option for travelers who are primarily concerned about health-related expenses.

Evacuation and Repatriation

In extreme cases where you need to be evacuated due to a medical emergency or a natural disaster, this coverage ensures that you can return home safely without incurring huge costs.

Benefits of Opting for Cheap Travel Insurance

Cost savings.

Cheap travel insurance can significantly reduce your travel expenses, ensuring that you're not overpaying for coverage you might not need.

Adequate Coverage for Less

Just because it's cheap doesn't mean it's lacking. Many affordable policies offer substantial coverage, giving you peace of mind without breaking the bank.

How to Pick The Best Cheap Travel Insurance Plan for You

No single travel insurance plan will meet the needs of every single traveler. By nature, we are diverse and evolving meaning travel insurance should be equally so. Travel insurance for a week-long trip to a big city shouldn't be the same as the coverage for a backpacking expedition in the mountains. A splurge to purchase comprehensive insurance coverage may also be worth it for international ventures or other large expenditures.

In most cases, the cost difference between a basic and comprehensive travel insurance plan isn't as significant as you might think. Regardless, it's generally a good idea to choose a trusted travel insurance provider known for exceptional customer service and coverage. (For this roundup, we looked at traveler reviews shared through the travel agency SquareMouth.)

Assessing Your Travel Needs: Consider the nature of your trip, the destination, and your own personal needs when choosing a policy. This ensures that you're not over-insured or underinsured.
Comparing Different Policies: Don't settle for the first policy you find. Compare different options, looking at their coverage and prices, to find the best fit for your budget and needs.
Reading the Fine Print: Always read the terms and conditions carefully to understand what's covered, what's not, and the process for making a claim.

How We Reviewed Cheap Travel Insurance

To determine the best insurance plan for travelers on a budget, we evaluated dozens of products using a hypothetical trip to Australia for a single traveler, age 26, with a total cost of $2,500 for flight, hotel and other incidentals. We then compiled the plans that covered the essentials at the lowest costs.

Of note: All of these plans include COVID-related medical coverage and 24-hour assistance, and pay at least 100% of your trip cost for eligible trip cancellations. None include rental car coverage.

The four winning plans cost between $29 to $74 — significantly below the average cost of comprehensive travel insurance , which can range between 4%-8% of total travel expenses, according to the US Travel Insurance Association.

But these affordable plans also come with comparably low ceilings for various aspects of coverage such as emergency medical, trip cancellation, or delay — and do not include rental car or " cancel for any reason" (CFAR) protection . So if you think you might need these benefits, it may well be worth upgrading to a comprehensive travel insurance plan for a few more dollars, just for the peace of mind.

Convenience and Flexibility

Each of the plans in this list include 24-hour assistance worldwide from reputable insurance providers. And despite being on the lower end of insurance plans, each of these options includes refunds for up to 100% of your total trip cost for eligible reasons. Each of these plans also includes medical coverage for COVID-related issues that may arise during your travels, which may come in handy as the pandemic continues to evolve worldwide.

Sufficient Coverage in Essential Categories

The cheapest travel insurance plan will rarely cover every scenario that could go awry on your trip. However, each of these plans can at least help you get your money back in the event that your travel is canceled for an eligible reason, and most of them include travel medical insurance if you incur emergency medical bills while traveling. We also factor in what travelers are most concerned about now.

You can read more about how Business Insider rates insurance here.

Best Cheap Travel Insurance FAQs

How can i reduce the cost of travel insurance.

You can reduce the cost of travel insurance by opting for simpler coverage or choosing higher deductibles on travel medical insurance. You can also consider annual travel insurance , which will save you money in the long run if you take multiple trips over one year.

Can cheap travel insurance provide enough coverage for international trips?

Yes, many affordable policies offer comprehensive coverage suitable for international travel. It's crucial to compare policies and understand your needs. You can find our guide on the best international travel insurance here.

Why is travel insurance so cheap?

Travel insurance is relatively cheap because it only covers you for a set period of time, and depending on your plan, the level of coverage you get may not be particularly high. However, even with high coverage limits and extras like cancel for any reason coverage , travel insurance is relatively affordable.

How much should travel insurance cost?

The average cost of travel insurance is 4%-8% of your trip's cost. This usually translates into a premium between $89 to $399. That said, many companies offer premiums far below average costs.

How do I find the right travel insurance plan for my budget?

When shopping for travel insurance, consider the type of trip you're planning. If you're planning leisurely excursions in a big city, you may not need as much emergency medical coverage as you would if you're planning a serious hiking expedition in the mountains. A good plan should include trip cancellation, some emergency medical protection, and 24-hour assistance at a minimum.

If you enjoyed this story, be sure to follow Business Insider on Microsoft Start.

International Plan

Students who are residing abroad and/or have comparable health insurance will be eligible for a waiver of the GeoBlue fee. Students unsure whether they want to enroll in the university plan, or search for private insurance should review the GeoBlue Plan Brochure under Plan Details to compare coverages, exemptions and out-of-pocket maximums.

The GeoBlue waiver form is open for international students until September 15, 2023 (deadline to complete waiver). Requests for a waiver after September 15, 2023 will only be eligible for a prorated refund.

COVID-19 Testing

The GeoBlue policy covers testing when prescribed by a physician, ordered by a local authority due to contact tracing ,or after coming into contact with a positive COVID-19 person or environment. Testing must be medically necessary, performed in order to diagnose and consistent with the CDC/WHO guidance.

CGU requires all international students on F-1 and J-1 visas, whose active SEVIS record is held by CGU to enroll in the GeoBlue Accident and Sickness plan, unless eligible for a waiver. Waivers are eligible for students who have comparable insurance; or those who are residing outside of the United States.

To waive out of GeoBlue, please submit the waiver online.

GeoBlue Waiver

Questions? Email [email protected] .

Current students can watch the GeoBlue Information Session through their CGU Office 365 account.

All students are strongly encouraged to review the GeoBlue Student Member Guide to determine if additional coverage is needed, beyond what is included in the GeoBlue plan. For a detailed list of coverages, and exclusions, view the GeoBlue Student International Health Plan Certificate .

Who is exempt from the policy?

Non F/J visa holders are exempt and not required to participate in the GeoBlue International Accident and Sickness Plan. Non F/J visa holders interested in enrolling in the GeoBlue plan should contact [email protected] .

All incoming Summer and/or International Scholars Program (ISP) Module 2 international students will not be enrolled in the GeoBlue Accident and Sickness plan until the first fall or spring semester (whichever is first). If summer or module 2 students would like coverage for their current term, please email [email protected] with enrollment questions.

Who is eligible for a waiver?

F-1 and J-1 students who reside abroad and/or have comparable insurance are eligible for a waiver. The GeoBlue waiver form is open for international students. The following will count as proof of evidence:

If you are residing outside of the United States, visit the I-94 website to download your recent travel history. The I-94 should list your latest departure from the US.
If you have US comparable insurance, submit a copy of insurance card/confirmation and summary of benefits/coverage.

How do I enroll in the plan?

F-1 and J-1 students are automatically enrolled at the start of the fall and spring semesters by the university. Students enrolled in the policy will be emailed instructions on how to access their insurance information.

F-1 and J-1 students who return to the U.S. mid-semester will be enrolled in the GeoBlue at a prorated cost. Email [email protected] for more information.

F-1 and J-1 students who want to add their dependent(s) to the policy should email [email protected] for more information.

How do I waive or cancel the plan?

The GeoBlue waiver form is open for international students.

F-1 and J-1 students who have an approved change of immigration status (permanent residency, H1-B visa, etc.), or those who want to remove their dependents from the plan have until September 15, 2023 to receive a full refund of the GeoBlue fee. Any requests after this date may be eligible for a prorated refund. Please contact [email protected] for more information. GeoBlue Contact Information Once enrolled, International students can access their account information, coverages, and plan summary through GeoBlue . After creating an account, students can download their insurance ID cards, locate doctors and hospitals, and much more.

Students can also contact GeoBlueʻs customer service at 1-844-268-2686 or email [email protected] with questions about the policy, and coverage. GeoBlue Mobile App With the GeoBlue mobile app, students have convenient access to the best local doctors, hospitals and resources anywhere in the world.

Features Include:

Search providers for medical, dental, or mental health care and map them using GPS technology.
Arrange direct pay for future appointments to secure cashless access to care
Access issued guarantees of payment to view and share with doctors and hospitals.
File a claim by entering information or sending a photo of a complete form.
Find a medication’s availability, generic name, and local brand name.
Translate medical terms and phrases for many symptoms and situations; use the audio feature to play the translation.
Display your ID card on a smart phone and email/fax a copy directly to your provider’s office.
View country or city profiles on crime, terrorism and natural disasters.

Download the app and login using your username and password from geobluestudents.com; or register as a new user through the app using information from your ID card. Questions? Students can also contact GeoBlueʻs customer service at 1-844-268-2686 or email [email protected] with questions about the policy, and coverage. Student Health Services & Telehealth Services All international students (regardless of visa type) enrolled at the Claremont Colleges are eligible to access services provided by Student Health Services Center on campus. To review services, and schedule an appointment, please visit the Student Health Services website .

The Claremont Colleges is offering 7C.Health , a telehealth/online medical and counseling services to all CGU students, to expand and supplement services currently available at the Student Health Services Center. 7C.Health makes it easy for students to get quality medical and mental health care online or from their phone, anytime they need it.

Students now have access to 7C.Health, which provides 24/7 medical and mental telehealth care for all students at no cost ! To get started, visit 7C.Health. Register now and use the service when you need it. If you have questions, please contact the Dean of Students at [email protected] .

GeoBlue Global TeleMD

At GeoBlue, we know your life can be demanding. With so much to juggle, finding the healthcare you need, when you need it, should be easy. In addition to giving you convenient access to a global network of doctors and facilities, we’ve teamed up with Advanced Medical, a Teladoc Health company, to bring you Global TeleMD, a new smartphone app- a no additional cost- that provides confidential access to international doctors by telephone or video call.

With Global TeleMD, you can speak to a doctor at a time that fits your schedule without worrying about school, work, holidays or personal commitments. And because your consultation notes are stored securely on the app, they’re ready to share with your primary doctor.

To get started, download the Global TeleMD app to your phone, create a profile and log in!

Frequently Asked Questions

Below are common questions asked about the Accident & Sickness plan provided by GeoBlue.

My SEVIS record is active with CGU, and I have an F-1 or J-1 visa. How do I enroll in GeoBlue?

You will automatically be enrolled by the university at the beginning of each term. No further action is needed by the student to complete the enrollment process.

I do not have an active SEVIS record with the university. Do I need to enroll in the international plan?

No. This plan is for students on an F-1 or J-1 visa enrolled in a degree-seeking program, and residing in the U.S.

I am a J-1 exchange student or research scholar. Do I have to enroll in the international plan?

No. However, there are specific requirements you must meet for health insurance. For more information, review this site: https://j1visa.state.gov/sponsors/how-to-administer-a-program/

I am enrolled in the joint-degree program with CGU and another university. Do I need to enroll in the international plan?

If your SEVIS record is held by CGU, you will be enrolled in the GeoBlue plan. If eligible, you may apply for a waiver.

I was approved for a change of status (permanent resident, H1-B visa, etc.). Can I cancel my plan and receive a refund?

Students whose SEVIS record is terminated for approved change of status are eligible for a plan cancellation. Email [email protected] immediately to discuss a plan cancellation, and eligibility for a full or prorated refund. Full refunds are only available to students who submit a waiver or cancellation request prior to the waiver deadline.

I would like to add my dependents to the plan. What should I do?

Students who want to add their dependent(s) to the international plan should email [email protected] for more information. Depending on the date of enrollment, students may be eligible for a prorated discount.

I would like to cancel the plan for my dependent. What should I do?

Students whose dependents are enrolled in the international plan must email [email protected] to discuss a plan cancellation, and eligibility for a full or prorated refund. Full refunds are only available to students who submit a waiver or cancellation request prior to the waiver deadline.

I am on leave of absence. Am I required to enroll in the GeoBlue plan?

Students on a medical leave of absence (whose SEVIS record is still active) will remain enrolled in the university plan. Students on a leave of absence (non-medical) at the beginning of each term, will not be enrolled in the GeoBlue plan. Email [email protected] immediately to discuss a plan cancellation, and eligibility for a full or prorated refund. Full refunds are only available to students who submit a waiver or cancellation request prior to the waiver deadline.

I have private insurance and/or primary health insurance through my sponsor. How can I waive the GeoBlue plan?

Students who have comparable health insurance are eligible for a waiver. Waiver information will be posted online and emailed no later than September 1.

I will start CGU courses during during module 2. Am I required to enroll in the plan?

Students who start in module 2 of the semester are not required to enroll in the plan during that term. Annual coverage will begin immediately in the subsequent term.

I will start CGU courses during the summer semester. Am I required to enroll in the plan?

Students who start in the summer are not required to enroll in the summer term only coverage. Annual coverage will begin immediately in the fall term.

I will start CGU courses during the summer semester, or module 2. How can I enroll in the plan?

Students who start in the summer term and/or module 2 can opt-in to the international plan. Email [email protected] to request enrollment. Your student account will be billed based on the date of enrollment, and may be eligible for a prorated discount.

I graduated and am currently on Optional Practical Training (OPT). Am I eligible to enroll in the plan?

No. This plan is only offered to current students. Students on OPT or STEM OPT should contact their employer, or contact international providers for private insurance.
International students can access their account information, coverages, and plan summary through GeoBlue . After creating an account, students can download their insurance ID cards, locate doctors and hospitals, and much more.
Students can also contact GeoBlueʻs customer service at 1-844-268-2686 or email [email protected] with questions about the policy, and coverage.

How do I get my insurance ID card?

How do I find a doctor in my network?

To find doctors in your area, login to GeoBlue .

I am sick, and do not have a preferred doctor. Where should I go?

We recommend students contact the 7C Health and/or GeoBlue telehealth plan (telehealth coverage). If you prefer to meet a physician in person, our next recommendation is visiting a local Urgent Care facility. It is only recommended to visit the Emergency Room for emergencies. To find local Physicians, or Urgent Cares, login to GeoBlue .

How do I know what is or is not covered by GeoBlue?

Students should review the GeoBlue plan brochure (located under Plan Details) and pay special attention to the eligible medical expenses and exclusions sections. Questions about these coverages can only be answered by GeoBlue Customer Service.

I have a pre-existing condition. Does the plan cover this?

Pre-existing conditions, (whether physical or mental, regardless of the cause of the condition) are covered (unless on the exclusions list) on this plan.

I would like to have a routine physical examination or receive immunizations. Does the plan cover this?

Yes, this plan covers up to $250 of routine care.

After review, GeoBlueʻs plan is not sufficient for my health needs. What options do I have?

We recommend students search for additional health insurance by contacting insurance companies for private plans, through Covered California or California’s Medi-Cal.
Your student account will be charged at the beginning of every fall and spring semester. Contact the Office of Student Accounts at [email protected] call 909-607-2613 for more information.

Am I charged to visit a local Urgent Care using the GeoBlue plan?

Yes. There is a $50 co-pay to be seen at a local Urgent Care. This charge does not include the services, or exams provided during the appointment. Any medical fees paid by the student should be submitted to GeoBlue for a claim reimbursement.

Am I charged to visit the Emergency Room using the GeoBlue plan?

Yes. There is a $200 deductible for an Emergency Room visit. This means, you will pay $200 and the remaining 80% of the bill for services, exams, etc. are charged to GeoBlue. GeoBlue will only cover eligible medical expenses. Any medical fees paid by the student should be submitted to GeoBlue for a claim reimbursement.

I received a bill for my appointment. Whatʻs next?

You can submit a claim reimbursement online at GeoBlue . If you have specific questions about the reimbursement process, contact GeoBlueʻs customer service at 1-844-268-2686.

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COMMENTS

Travel Insurance
It's simple and easy to make a claim. Call us to get started. From Australia: 13 24 80. From overseas: +61 3 9601 8222. Learn more. Get travel insurance through our partners, make a claim or download policy documents.
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For international trips, consider the Premium travel insurance plan from Generali. This tier of coverage includes the following: Trip cancellation coverage up to 100% of the trip cost. Trip ...
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Beware of cheap travel insurance - CGU This would have to be the worst insurance we could have chosen. After one hour and 15 minutes on the phone to the Phillipines and repeating myself a dozen times I was then contacted by my "Case manager" to be told that I would receive only $150 refund out of $1100. You definitely do get what you pay for!
CGU Travel Insurance Review
CGU offers a wide range of travel insurance policies, including: Platinum Plan: this policy covers a string of benefits including overseas medical bills, cancellation and rescheduling, loss or damage of luggage, emergency expenses and accidental disability or death. Premium Plan: CGU's mid-tier policy covers you for all of the important benefits such as medical expenses and cancellation.
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How to make a CGU Travel Insurance claim. To start your claim, call CGU on 13 24 80. You'll need any relevant evidence or supporting documentation on hand, including medical reports, police ...
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The company manages around 350,000 claims every year and on average pays 98 per cent of the claims it receives. Along with travel insurance, CGU also offers car insurance, home insurance and life insurance solutions to its customers. Cover information and limits in the table below verified as correct at 24 April 2024.
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For emergency travel insurance assistance, please call our 24-hour emergency assistance hotline: Within Australia: (02) 8895 0698. While overseas: +61 2 8895 0698. For all non-emegency claims, please contact CGU upon your return to Australia.
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International Travel Insurance plans help to protect your trip abroad and can provide cover for overseas emergency medical expenses, missed flight connections or travel delays, lost or stolen luggage, and so much more. ... CGU Travel Insurance is issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507) (ZAIL). Cover-More ...
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For emergency travel insurance assistance, please call our 24-hour emergency assistance hotline: Within Australia: (02) 8895 0698 While overseas: +61 2 8895 0698 For all non-emergency claims, please contact CGU upon your return to Australia. Making a travel insurance claim Simply call CGU Insurance on 13 24 80
Health Insurance
CGU offers two health insurance plans: The Student Health Insurance Plan (SHIP) for domestic, permanent residents, and undocumented students through UnitedHealthCare, and; The GeoBlue plan for international (F-1 and J-1 visa) students. For more information about the insurance plans and waiver information, please view Domestic Plan or ...
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Best Travel Insurance Plans for 2024: A Unique and Comprehensive List
Including the Best Plans for Seniors, Global Nomads, Visitors to the USA, Pets, Adventure Sports Addicts and More. BOSTON, MA / ACCESSWIRE / May 2, 2024 / International Citizens Insurance, a ...
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The Trawick International Travel Insurance Safe Travels Explorer plan has been purchased by more than 36,000 travelers since 2020, and it has great reviews to boot. And no wonder: Trawick offers ...
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CGU requires all international students on F-1 and J-1 visas, whose active SEVIS record is held by CGU to enroll in the GeoBlue Accident and Sickness plan, unless eligible for a waiver. Waivers are eligible for students who have comparable insurance; or those who are residing outside of the United States. To waive out of GeoBlue, please submit ...
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For example, budget-minded travelers might go for the Essential Plan which offers basic protections, such as trip cancellation, interruption and delay insurance, coverage for lost, damaged and ...

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