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HTH Worldwide Travel Insurance Review 2024

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No one likes to think about what could go wrong on vacation, but the truth is that anything can happen. That's why travel insurance is so important — it can help you recover from any unexpected emergencies that may occur while you're away from home.

If you're looking for a reputable travel insurance company, HTH Worldwide is a great option. It's been in business for over 20 years and offers three different travel insurance plans. Whether you need basic coverage or more comprehensive protection, HTH Worldwide likely has a plan that will suit your needs.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reasonable premiums
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR coverage available with some plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical emergency and evacuation coverage
• con icon Two crossed lines that form an 'X'. Special coverages for pets, sports equipment, etc not available
• con icon Two crossed lines that form an 'X'. Limited reviews with complaints about claims not being paid
• Trip cancellation of up to $5,000 with the Economy plan and up to $50,000 with the Preferred plan
• Cancel for any reason insurance and missed connection insurance available with the Preferred plan
• Baggage delay insurance starting after 24 or 12 hours depending on the plan

HTH Worldwide Travel Insurance Review: Types of Policies Offered

HTH Worldwide offers three primary plans: TripProtector Economy, Classic, and Preferred. Each plan has different coverage levels and features, so you can choose the one that best fits your needs. But they'll all cover (up to a specified amount) things like trip cancellation and interruption, emergency medical expenses, lost or delayed luggage, and more.

One important note, though, is that the TripProtector Economy plan is not available for trips where the per-person cost is greater than $5,000.

Below you'll find the per-person coverage limits of HTH Worldwide's three travel insurance plans:

These policies also include 24-hour emergency hotline service, an online database to search for doctors while you're traveling, a medical term translation database, and health and security news alerts.

Additional coverage options from HTH Worldwide

In addition to the three primary plans, HTH Worldwide also offers the following two plans for travelers only looking for travel medical coverage:

• Single-trip option for travelers with primary health insurance —   HTH Worldwide provides a short-term international medical plan for those who have other travel insurance but need travel medical coverage. It covers pre-existing conditions and medical evacuation costs, with maximum benefit amounts ranging from $50,000 to $1 million and deductibles from $0 to $500.
• Single-trip option for travelers without primary health insurance — This plan for travelers who don't have primary health insurance has maximum benefit amounts ranging from $50,000 to $1 million and deductibles ranging from $0 to $500. It covers pre-existing conditions for medical evacuation.

The following two HTH Worldwide plans are designed for people who live or work outside their home country:

• Xplorer plan: — This plan is for individuals and families who intend to be outside their home country for more than three months per year.
• Navigator plan — This plan is specifically for students, faculty, mission, and maritime crews who will be outside of their home country for more than three months during the year.

Like to other travel insurance providers, HTH Worldwide offers additional coverages that can be purchased along with the primary policy. These add-ons are only available for a Preferred plan, not an Economy or Classic plan.

The add-ons include:

• CFAR (cancel for any reason) coverage — Will pay 75% of any prepaid trip expenses. You must purchase coverage within 10 days of your first trip deposit, and the trip must be canceled at least two days before your scheduled departure.
• Collision Damage Waiver (CDW) — Coverage for your rental car in the event of damage due to crash, theft, vandalism, windstorm, fire, hail, flood, or any cause beyond your control. (Not available in NY, OR, or TX.)

HTH Worldwide Travel Insurance FAQs

Yes, HTH Worldwide is a leading provider of international health insurance for travelers. Founded in 1997 as Highway to Health, Inc., HTH Worldwide has since become one of the most reputable suppliers of worldwide health and travel insurance.

It depends on the specifics of the policy you purchase. Generally speaking, travel insurance policies usually cover all countries except your home country. However, there may also be exclusions for certain countries if a particular country is experiencing terrorism or war.

HTH Worldwide Travel Insurance Cost

It's fast and simple to get a quote from HTH Worldwide . Visit its website and provide basic information about your trip. You'll receive an immediate quotation for the insurance plans available for your journey, so it's simple to compare each one. Make sure you have all of the following items on hand:

• Primary destination
• Age of travelers
• The total cost of your trip
• Travel dates
• State of residence

Travel insurance from HTH Worldwide will usually cost 4% to 8% of the total trip cost, depending on the trip details and age of the traveler. Below are a few real-world examples of coverage options and pricing from HTH Worldwide.

The first example shows premiums for a 45-year-old resident of Arizona traveling to Germany and spending $6,000 on the trip.

As you can see, the TripProtector Economy plan isn't an option (due to the cost of the trip being over $5,000), but the Classic plan costs $337 and the Preferred plan costs $451.

This next example shows coverage options for a 35-year-old California resident vacationing in Mexico, with a trip cost of $4,000. As expected, the higher-tier options cost more. But even the most expensive option is just 5% of the total trip cost.

Lastly, let's look at a $5,000 trip to New Zealand for a 55-year-old resident of Georgia. As a percentage of the total trip costs, these are the highest premiums out of the three examples. But that's to be expected given the age of our fictitious traveler.

Again, the premium you'll pay will vary based on your age and trip details. But these quotes are within the industry average when it comes to what percentage of your total trip cost you'll pay. Regardless of which insurance provider you choose, in general, you should expect to pay between 4% and 8% of the overall cost of your trip.

How to File a Claim with HTH Worldwide

For medical claims, you can contact HTH Worldwide by phone at 888-243-2358 or via email at [email protected]. For all other claims, you can call 866-655-3058.

Be sure to provide supporting documentation when filing a claim. You can find HTH Worldwide's claim forms here .

Learn more about HTH compares to other top travel insurance providers.

HTH Worldwide Travel Insurance vs Allianz Travel Insurance

If you look at coverage with Allianz , you'll see that you can select from 10 different insurance plans. Much like HTH Worldwide , Allianz offers single-trip policies and options for those who plan to be outside the country for longer. And, like with all insurance, the different plans provide varying degrees of coverage.

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

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

Compare that to HTH's most popular TripProtector Preferred Plan and you'll see that HTH's emergency medical coverage limit is substantially higher. But Allianz's plan has better trip protection coverage limits. The right choice will depend on what coverages are most important to you and your personal situation.

Allianz Travel Insurance Review

HTH Worldwide Travel Insurance vs Nationwide Travel Insurance

Amongst insurance providers, Nationwide is a familiar household name. Much like HTH Worldwide , Nationwide offers straightforward coverage with only two single-trip plans: the Essential Plan and the Prime Plan. Furthermore, Nationwide has designed policies specifically for those taking cruises or who travel frequently throughout the year.

To compare Nationwide and HTH, we took a look at both companies' highest-tier plans.

Nationwide's Prime Plan includes coverage for trip cancellation up to $30,000, trip interruption coverage of 200% of the cost of the trip (with a maximum payout of $60,000), missed connection and itinerary change coverage each amounting to $500, per-day trip delay coverage of up to $250 for 6+ hour delays, and emergency medical evacuation with a limit of $1 million in payouts.

In comparison, HTH's TripProtector Preferred plan offers trip cancellation coverage up to $50,000, trip interruption coverage 200% of the cost of the trip, coverage for a missed connection of up to $1,000, trip delay coverage up to $2,000, and emergency medical evacuation coverage of up to $1 million.

The two plans are quite similar in many regards. To determine which is best for you, you'll need to compare quotes based on your personal and trip-specific details.

Nationwide Travel Insurance Review

Compare HTH Worldwide vs Credit Card Insurance

It's worthwhile to review the insurance coverage offered by your travel credit cards before you buy a separate travel insurance policy. Some essential coverages, like rental car insurance, might already be included with a card you have.

The coverage from your credit card may be enough if, for example, you don't have any non-refundable trip expenses and you're driving to your destination. Another scenario that could suffice is if your health insurance covers you while abroad, you're in decent health, and you aren't too concerned with potential medical costs while traveling.

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

Best Credit Cards with Travel Insurance

Why You Should Trust Us: How We Reviewed HTH Worldwide Travel Insurance

In reviewing HTH Worldwide's travel insurance offerings, we considered things like different types of coverage available, claim limits, what expenses are included, available add-ons, and typical policy costs. We then compared them to similar plans from other top travel insurance companies.

The best policy for you is the one that offers the appropriate amount and type of coverage given your needs and budget. It should also be easy to use in case you ever need to make a claim. You can get a more thorough breakdown of our ratings system for insurance products here .

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

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

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Travel Insurance

HTH Worldwide travel insurance review 2024

Jennifer Simonson

Mandy Sleight

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Kara McGinley

Updated 5:55 a.m. UTC March 19, 2024

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HTH Worldwide

Top-scoring plan

Covers covid, medical & evacuation limits per person, what you should know.

Along with a couple of other policies, HTH’s TripProtector Classic offers generous layoff coverage. You’re eligible if you’ve been continuously employed for at least a year, with no waiting period.

• Preexisting conditions can be covered if you buy a TripProtector Classic plan within 14 days of your first trip deposit.
• Best-in-class financial default coverage after only a 10-day wait.
• Top-notch $1 million per person in medical evacuation coverage.
• TripProtector Classic doesn’t offer a “cancel for any reason” upgrade, but the pricier Preferred plan does.
• No “interruption for any reason” upgrade available.
• No non-medical evacuation coverage.

Why trust our travel insurance experts

Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our  methodology below.

• 2,332 coverage details evaluated.
• 385 rates reviewed.
• 5 levels of fact checking.

HTH Worldwide overview

Created under the Worldwide Insurance Services umbrella, HTH Worldwide provides travel insurance for both business and leisure travel. Nationwide Mutual Insurance Company underwrites HTH Worldwide’s single-trip insurance plans. 

HTH Worldwide travel insurance plans

HTH Worldwide offers TripProtector plans that cover single domestic or international trips. In addition to travel protection and medical benefits, each plan includes non-insurance travel assistance such as a 24-hour emergency hotline service, destination health and security information and an online doctor search. 

HTH provides a 10-day “free look” period to give you the chance to look over your policy and cancel for a full refund if it doesn’t suit your needs. If you are not satisfied, return your policy within 10 days of receipt along with a letter indicating your reason for cancellation for a full refund (not available in NY or WA).

Economy 

HTH’s starter travel insurance plan offers basic coverages, including: 

• Emergency medical evacuation: $500,000.
• Emergency medical: $75,000.
• Trip cancellation: 100% reimbursement of eligible trip costs up to $5,000.
• Trip delay: $500 maximum (after an eight-hour delay and with a $100 per day limit).
• Trip interruption: 125% reimbursement of eligible trip costs.

While the Economy plan also covers baggage loss, baggage delay and missed connections, it does not include rental car damage coverage or a preexisting conditions waiver. It includes accidental death and dismemberment coverage for air only. 

TripProtector Classic 

The TripProtecor Classic plan includes everything in the Economy plan and increases the travel protection and travel medical benefits. This plan gets 3 stars in our rating of the best travel insurance companies .

• Emergency evacuation: $1 million.
• Emergency medical: $250,000.
• Trip cancellation: 100% reimbursement for eligible trip costs up to $25,000.
• Trip delay: $1,000 ($200 per day after a six-hour delay).
• Trip interruption: 150% reimbursement of eligible trip costs. 

The plan also includes a preexisting condition waiver if the insurance is purchased within 14 days of your first trip deposit, as well as accidental death and dismemberment coverage of up to $25,000 per person. Like the Economy plan, lost and delayed baggage and missed connections coverage is also included. 

TripProtector Preferred 

The TripProtector Preferred plan offers enhanced coverage but is more expensive than the Classic and Economy plans. 

• Emergency medical: $500,000.
• Trip cancellation: 100% reimbursement of eligible trip costs up to $50,000.
• Trip delay: $2,000 ($200 per day after a six-hour delay).
• Trip interruption: 200% reimbursement of eligible trip costs.
• Optional “cancel for any reason” (CFAR): 75% reimbursement for eligible trip costs.
• Pet medical expense: $250. 
• Rental car damage: $35,000.
• Accidental death and dismemberment: $50,000. 

Unlike the other two plans, the Preferred Benefits plan offers pet medical expense coverage, rental car damage coverage and optional cancel for any reason travel insurance coverage. You can get a preexisting conditions waiver if the travel insurance plan is purchased within 21 days of your first trip deposit. 

This plan also includes coverage for lost and delayed baggage and missed connections. 

What HTH travel insurance covers

HTH Worldwide’s three TripProtector plans include the following coverage:

• Travel medical insurance reimburses you for medical expenses like care, hospitalization, lab work and more if you get sick while on your trip. 
• Emergency medical evacuation covers the cost of emergency medical transportation to the nearest adequate treatment center if you become seriously injured or ill while traveling and require immediate care. 
• Trip cancellation insurance reimburses prepaid, forfeited, nonrefundable trip costs if you need to cancel your trip for a covered reason.
• Trip delay coverage reimburses reasonable extra expenses, such as meals, lodging and transportation, if your travels are delayed due to reasons like a flight being canceled due to severe weather.
• Trip interruption coverage reimburses you for unused, prepaid, nonrefundable trip expenses such as hotel nights and missed excursions if you need to end your trip early because of a reason listed in your policy, such as a child back home getting sick. 
• Baggage loss reimburses you for luggage and personal items that are lost, stolen or damaged during transit. 
• Baggage delay reimburses for expenses paid for items like toiletries and a change of clothes needed because of delayed baggage.

Each plan has coverage limits and time frames for when coverage kicks in (like six hours for baggage delay coverage). Be sure to read your policy to understand the limits and exclusions.

What HTH travel insurance doesn’t cover

All travel insurance plans have exclusions, or things the policy does not cover. 

Some examples of the emergency medical coverage exclusions in HTH Worldwide’s TripProtector Classic plan are:

• Accidental injury or sickness when traveling against the advice of a physician.
• Being under the influence of drugs or intoxicants (except when prescribed by a physician). 
• Cosmetic surgery (except as a result of an accident). 
• Dental treatment (except as the result of injury).
• Suicide, attempted suicide or any intentionally self-inflicted injury.
• Participation as an athlete in professional sports.
• Participation in adventure sports such as canoeing, kayaking, zip-lining, water skiing, camping, hiking, backpacking and sailing. 
• Pregnancy and childbirth (except for complications of pregnancy).

Additional policy add-ons

HTH Worldwide’s TripProtector Preferred plan offers optional upgrades including “cancel for any reason” (CFAR) coverage , pet medical coverage and rental car damage coverage (not available in every state).

“Cancel for any reason” (CFAR) coverage

TripProtector Preferred policyholders have the option to purchase “cancel for any reason” (CFAR) coverage. This coverage reimburses up to 75% of your prepaid, nonrefundable trip payments or deposits if you cancel your trip for any reason at least 48 hours before your scheduled departure.

To get CFAR coverage, you need to buy it within 21 days of your first trip deposit. This benefit is not available in New York or Washington. 

HTH Worldwide travel medical insurance 

HTH Worldwide offers two plans for travelers who want travel medical insurance for international trips. Both plans are available to United States residents who are 95 years old or younger. 

Single-trip option for travelers with primary health insurance

This short-term international medical plan was created for travelers who have primary health insurance but want extra coverage for traveling abroad. The maximum benefit amounts range from $50,000 to $1 million, and deductibles range from $0 to $500. There is no preexisting condition exclusion.

The plan covers 100% of the following:  

• Ambulatory surgical center.
• Anesthesia.
• Dental injury expenses ($500 maximum).
• Diagnostic X-rays and lab work.
• In-hospital doctor visits.
• In-patient medical emergency. 
• Office doctor visits.
• Outpatient prescription drugs.

The plan covers mental health emergencies as it would any other condition. The single-trip plan also includes common travel insurance coverages like medical evacuation, accidental death and dismemberment, trip interruption, trip delay and lost and delayed baggage.

Single-trip option for travelers without primary health insurance

This plan is for those traveling abroad who do not have primary health insurance. Like the plan for travelers with primary health insurance, the benefits range from $50,000 to $1 million and deductibles range from $0 to $500. 

This plan covers 100% of the following:

• Dental injury expenses ($300 maximum).
• Diagnostic X-rays and lab work. 
• In-patient medical emergency.

Like the other, this plan also covers mental health emergencies as it would any other condition. However, this plan has a 180-day preexisting condition exclusion and only covers 50% of prescription drugs. 

Expat health insurance plans

HTH Worldwide also offers two international expatriate health insurance plans for people who live or work outside their home country: 

• Xplorer Premier: Administered through GeoBlue Insurance, this plan provides complete health insurance coverage that can be used anywhere in the world by individuals or families who intend to be outside their home country for at least three months a year. 
• Navigator: Also through GeoBlue, this is a health insurance plan specifically designed for crew, missionary or student travelers who plan to be outside their home country at least three months a year.

More travel insurance companies to compare

Here’s how insurers in our rating of the best travel insurance companies compare.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Preexisting medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover preexisting medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

HTH Worldwide travel insurance review FAQs

Yes, HTH Worldwide’s three TripProtector plans cover both domestic and international travel. 

The cost of a HTH Worldwide travel insurance plan varies depending on several factors such as the traveler’s age, trip cost, trip destination and type of coverage. For example, the cost of HTH Worldwide TripProtector Classic plan for a $3,000 trip for two 30-year-old travelers heading to Mexico for eight days would be about $116.

Yes, HTH Worldwide travel insurance plans include coverage for COVID-19 in its emergency medical coverage.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Jennifer Simonson covers everything from business to the wine industry to international travel. Outdoor adventure, water parks and all things Texas are by far her favorite beats. Her work has appeared in Forbes, Travel + Leisure, Texas Monthly, Smithsonian Magazine, Fodor's, Lonely Planet, Slate and more. You can follow her on Instagram at @storiestoldwell.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Kara McGinley is deputy editor of insurance at USA TODAY Blueprint and a licensed home insurance expert. Previously, she was a senior editor at Policygenius, where she specialized in homeowners and renters insurance. Her work and insights have been featured in MSN, Lifehacker, Kiplinger, PropertyCasualty360 and more.

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HTH Travel Insurance Review

HTH Travel Insurance

Choose your limits and deductibles

Multi-trip insurance plan, special plans for international travel, group rates for five or more.

• John Hancock
• Allianz Global Assistance

How We Reviewed HTH Travel Insurance

8 hours of research

5 plans evaluated

2 competitors compared

HTH Travel Insurance offers a variety of policies and the option to choose your limits and deductibles. From single-trip insurance plans to policies covering international travel and long-term visits, HTH has a plan for almost anyone. This also extends to those traveling in groups of five or more with 10% off standard rates. About the only problem we saw was that anyone opting for a single-trip plan without U.S. primary health insurance will have to opt for a weaker alternative. Other policies offered such as multi-trip and international don’t even have an alternative, requiring you to have a health plan.

That being said, the flexibility of the policies on offer and your ability to choose the limits and deductibles still make for compelling policies worth considering. Especially if you are traveling in a group.

From the homepage: “We offer a wide selection of travel health insurance plans that include coverage for hospital care, surgery, office visits, prescription drugs and medical evacuation.”

Is it true?

Yes — as long as you have U.S. primary health insurance.

As stated on the homepage, the company “offers a variety of travel medical insurance across the U.S. under leading brands.” This means that HTH Travel Insurance is a secondary provider and almost all of the plans and policies offered required you to have primary health insurance.

So, while it is true that these plans can include coverage for hospital care, surgery, office visits, prescription drugs and medical evacuation, you might not get to experience these without primary health insurance. There is a version of the single-trip policy designed for those without a policy but it offers less coverage and some notable coverages are absent.

Product Overview

Those with primary health insurance traveling in a group

Those without health insurance

When you purchase a Single Trip travel insurance policy from HTH Travel Insurance, you can select how much emergency medical coverage you want — up to $1 million. You also get a say in how much you want your deductible to be. Few travel insurance providers give you these options and determine the coverage limits and deductibles for you. That makes HTH’s flexibility a rare find in the industry and something you definitely want to keep in mind as you select the right travel insurance policy for you.

HTH Travel Insurance’s multi-trip plan covers emergency medical expenses for an unlimited amount of trips within a 12-month period. If you’re a frequent traveler, particularly if you spend a lot of time out of the country, this plan is invaluable. It covers pre-existing conditions as well as hospital care, prescription medications, and medical evacuations. Annual travel insurance plans are difficult to come by so, if you travel often, HTH Travel Insurance’s multi-trip plan is something you should check out.

HTH Travel Insurance offers two different travel insurance plans specifically designed for people traveling outside the U.S. Their Premier Expat plan covers emergency medical and dental care both inside and outside the country and you can keep this coverage for up to nine months after your trip. There’s also the Essential plan which just covers any emergency treatment you receive while you’re out of the country. In addition, there are also two plans just for students studying abroad. The short-term plan offers up to $1 million in coverage and the long-term plan has no medical maximum at all, so you can be sure that you’re covered for the entire duration of your trip no matter what happens.

The TravelGap Group plans cover trips as long as six months and offer rates 10% lower than standard single-trip rates. The group plans do not cover trip cancellation or interruption for lost or stolen luggage. However, they do provide solid emergency medical and dental coverage for all members of the group. Most travel insurance companies do not offer group rates unless there are 10 or more people traveling, so HTH Travel Insurance’s plan is pretty unique in the industry. If you’re traveling as part of a student organization or a missionary group, this is something you should look into.

Possible Drawbacks

Some policies require a health plan.

Because HTH Travel Insurance is a secondary provider, several of their policies only insure individuals who already have some sort of primary health insurance. This means that your primary insurance provider must handle your claims first. Any costs not covered by your primary health insurer are then be covered by HTH Travel Insurance. There are several other travel insurance companies out there that offer primary coverage for emergency medical treatment, and these are going to be better options for you if you don’t meet the criteria for HTH’s travel insurance policies.

The Competition

Hth travel insurance vs. john hancock travel insurance.

John Hancock has fewer options than HTH Travel Insurance and no where near the flexibility when it comes to coverage and deductibles. However, we appreciated the fact that what fewer plans John Hancock had were all solid. John Hancock also had a slightly higher financial strength rating but HTH’s A- is still considered excellent and reliable should you ever need a claims payout.

HTH Travel Insurance vs. Allianz TraveL Insurance

Allianz and HTH Travel Insurance offer a wide variety of plans and coverages to choose from. However, when put side-to-side, Allianz squeaked out ahead by not only having a couple more plans but also offering free coverage for children under 18. Allianz also has a higher financial strength rating of A+ but, again, an A- is nothing to sneeze at. One thing that was missing from Allianz that we found in both HTH and John Hancock was the option for any annual plans. If you’re a student or doing mission work, you’re going to need a long-term plan and Allianz might not be your best bet.

HTH Travel Insurance FAQ

Do i need a primary health plan to be eligible for hth travel insurance policies.

In most cases, yes. With the exception of the alternative Single Trip plan, you will need a primary health plan to be eligible for an HTH travel insurance policy. HTH is a secondary provider which means that it falls to your primary health plan provider to handle your claims before HTH can kick it to pick up the rest.

Are acts of terrorism covered under HTH travel insurance plans?

Yes, all of the HTH Travel Insurance plans we reviewed and most of the ones listed on the homepage cover for acts of terrorism. This includes injuries and illnesses as a direct result of terrorist attacks.

The Bottom Line

HTH Travel Insurance offers a lot of flexibility when it comes to choosing your coverage and deductibles. We would have liked to see a little more when it came to options for those without primary health plans and it would have been nice if children under 18 were covered. However, HTH offers more than enough to make up for this including a 10% discount for groups of five and more and a variety of international travel plans to suit all sorts of long-term travelers.

About the Authors

Brian Robson Staff Writer

Brian Robson has worked on Reviews.com for three years and has studied the insurance market as well as elements of personal finance including credit cards and credit monitoring. His work spans all categories, but he specializes in finance and insurance pieces.

Recently Added

World Nomads Travel Insurance Review

Allianz Global Assistance Travel Insurance Review

John Hancock Travel Insurance Review

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HTH Worldwide Travel Insurance Review (2024)

Our HTH Worldwide travel insurance review weighs the benefits and drawbacks of the company’s standard trip insurance policies and available upgrades.

from HTH via Squaremouth.com

Alex is a MarketWatch Guides team writer that covers automotive and personal finance topics. She’s worked as a content writer for over a dozen car dealerships across the U.S. and as a contributor to several major auto news websites.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

The best travel insurance companies offer comprehensive policies or a la carte plans to meet each traveler’s specific needs. HTH Worldwide has policies focused on medical expenses, multi-trip policies for business travelers and expatriates, and single-trip travel plans offering reimbursement for unexpected cancellations and delays. It also provides a 10% discount to groups of five or more seeking an insurance policy.

Learn more about what HTH Worldwide offers travelers like you in our in-depth review.

• Average Cost: $221
• BBB Rating: A-
• AM Best Score: A-
• Medical Expense Max: $500,000
• Emergency Evacuation Max: $1,000,000

Our Take on HTH Worldwide Travel Insurance

HTH Worldwide earned 4.3 out of 5 stars in our comprehensive review, landing at 14th overall out of the 20 travel insurance companies we’ve scored. 

HTH Worldwide received points for its coverage details and cost based on our methodology. We like how it offers cancel for any reason (CFAR) coverage for up to 75% of your total trip expenses. It also provides emergency evacuation limits of $1 million for its mid-level and premium plans. We especially appreciate how it gives travelers a 10% discount on an insurance policy for groups of five or more people.

However, while HTH Worldwide provides CFAR coverage, this optional add-on protection is only offered through its highest plan level and is not available in New York or Washington. HTH also restricts the rental car damage and pet medical expense coverage offered through its high-level plan to certain states.

Pros and Cons

Why trust marketwatch guides.

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

What Does HTH Travel Insurance Cover?

HTH Worldwide offers three different trip protection plans to travelers seeking a travel insurance policy: TripProtector Economy, Classic and Preferred. The company provides notable coverage for trip interruption across all three plans, covering anywhere from 125% to 200% of your unused trip expenses. Only one other provider we’ve reviewed, Nationwide , offers up to 200% reimbursement in this area.

If you’re looking for CFAR coverage, you can only purchase an add-on with HTH’s Preferred plan for up to 75% expense reimbursement. Other standard protections offered by HTH include travel medical insurance , accidental death and dismemberment, emergency evacuation, baggage delay, trip delay and more. HTH’s Preferred plan also has options for add-ons such as rental car damage and pet medical expense coverage.

Policies Offered

Here is a comparison of the three comprehensive trip protection plans from HTH Worldwide. The limits and benefits are based on a solo 40-year-old traveler without pre-existing conditions vacationing outside the U.S.

HTH Add-On Options

Insurance riders are clauses changing the details of an insurance policy. Frequently, an insurance company will use riders to add specific coverage or increase limits.

Rather than purchasing individual add-ons using riders, customers can upgrade to the HTH Worldwide’s TripProtector Classic plan. Here are the limit increases that come with it.

• 100% cancellation insurance up to $25,000
• 150% interruption coverage
• $250,000 emergency medical
• $1 million evacuation
• $1,000 maximum for lost baggage or personal effects

If the Economy plan provides sufficient coverage, you can purchase a pre-existing condition exclusion waiver within 14 days of your first trip deposit.

Cost of HTH Travel Insurance Plans

The cost of an HTH travel insurance plan largely depends on the coverage level you choose. Basic plans, such as HTH’s TripProtector Economy, offer lower limits but cheaper premiums. HTH’s TripProtector Preferred plan features add-on protections like CFAR or pet medical expense coverage and overall higher coverage limits but is more expensive than other plans.

Companies decide on travel insurance policy costs based on several factors that help calculate the risk of covering a customer. For single-trip plans, most insurers make pricing decisions based on the trip cost, destination, age of the travelers, itinerary activities, pre-existing medical conditions and trip dates. 

Through our extensive research process, we found that the average cost of a travel insurance policy is $221 . Our team calculated this average by gathering quotes for various traveler profiles from 20 different insurance companies. See the table below for a breakdown of the average HTH policy cost across all three plans for seven sample travelers.

HTH Worldwide International Travel Insurance Cost

To help you compare the cost of HTH Worldwide travel insurance, we pulled quotes by plan level for a 30-year-old couple taking a $5,000 trip to Mexico.

Cost of HTH Health Insurance Plans

Hth worldwide travel insurance reviews.

HTH Worldwide has over 400 reviews on Squaremouth as of June 2023. Many of the positive reviews focus on the ease of the purchase process and access via the mobile app and website. Some reviewers complained that the claims process was complex and that it was difficult to connect with HTH via phone.

Here are four examples of reviews from verified Squaremouth customers.

“I have nothing but high praise for the experience. All questions were answered and the information was complete with zero confusion. Thankfully I did not need to utilize my coverage, but I traveled with the confidence that if I needed it would be there. I will definitely use this service again and recommend this to my friends and family.” —John from NY “ First of all, the website is clear and simple and it was easy to buy the travel insurance online. We had some minor health issues in Singapore and upon return, I filed a claim. No questions asked and claim was processed. We had our refunds. Recommended my sister-in-law (she left for Europe) 2 days ago and she purchased a package from HTH.” —May Kim from NY “Trip to Peru/Machu Picchu was canceled due to several issues in Peru, [primarily] being no train service to Machu Picchu. Trawick provided conflicting information on whether the claim was covered. It is clear that they are doing everything they can to avoid paying a claim, or provide other options, as promised. Use another, reputable insurance provider!” —Peter Lievense “ HTH Travel says it has 24/7 customer service, but this only applies for emergency medical care . For everything else, you have to contact them during regular business hours on Eastern U.S. time zone, which is very difficult to do from many international locations. They are also very busy during their business hours, so I was never able to speak to an agent during our trip. I left a message with my contact information to receive a call when an agent was available, after being prompted to do so due to the high call volume. I was never contacted.” —A from GA

HTH Worldwide responded with the following: We are sorry about your experience. Due to the strain of the pandemic and higher than normal inquiry volumes, we are doing our best to respond to all inquiries in the order they were received. We appreciate your patience and understanding as we work through these unprecedented circumstances.

“I don’t understand why it had been so difficult to get the proper claims forms from HTH/ Nationwide . I had to call multiple times only to receive PDF forms to fill out that have limited space and are cumbersome. HTH hold times are unacceptable, and it’s amazing to me that the claims process isn’t digital. HTH proves that it’s easy to buy an insurance policy but difficult to make it work in times of need.” —Sven from NY

HTH Worldwide responded with the following:

• Go to https://hthtravelinsurance.com/index.cfm
• Click on “member login” in the top righthand corner.
• Click on “Register here”
• Enter your certificate number, First name, last name.
• Click “continue”
• Policy documents will appear in member portal. If you have any issues with this process, please reach out to our customer service team at 610-254-8769 or email [email protected].

How To File a Claim with HTH Worldwide

HTH Worldwide directs TripProtector customers to its claims page ( https://hthtravelinsurance.com/TP_TPP_Claims.cfm ). This page has downloadable PDF versions of claims forms and information about supporting documentation. The company also says you can request forms by email, fax, phone or standard mail.

HTH Worldwide provides the following contacts for claims-related submissions and questions.

Medical Claims: Telephone:  888.243.2358 Fax: 610.293.3528 Mail: HTH Worldwide 933 First Avenue King of Prussia, PA 19406 Email: [email protected]

All other claims Telephone:  866.655.30358 Mail: HTH Worldwide P.O. Box 939057 San Diego, CA 92193-9057 Email: [email protected]

Compare HTH Worldwide to Other Travel Insurance Companies

If you are traveling to a remote destination with fewer medical facilities, the likelihood of needing medical evacuation increases in the event of a serious accident. Depending on your destination, you may want to consider a company offering plans with high evacuation limits.

Does HTH Worldwide Offer 24/7 Travel Assistance?

HTH Worldwide offers assistance to policyholders via its Global Health and Safety Services. This 24/7 travel assistance is available for all insurance plans from HTH. You can access this assistance by phone (toll-free or collect calls).

Services are also available via the mPassport mobile app or web platform. Policyholders can access a list of physicians or hospitals accepting direct payment from the insurance company and make appointments directly on the app or site.

What’s Not Covered by HTH Worldwide Travel Insurance?

Each of HTH Worldwide’s three travel insurance plans provides a set list of exclusions, making it easy for policyholders to understand what is and is not covered. Some exclusions include losses resulting from or involving the following situations:

• Self-inflicted injury
• Insurrection or rebellion
• Breakage of fragile items
• Insect or vermin infestation
• Participation in professional sports
• Participation in extreme or adventure sports
• Property illegally acquired, kept, stored or transported

If you’re looking for extreme or adventure sports coverage, we suggest considering a travel insurance plan from World Nomads . We named this provider our pick for adventure travelers thanks to its coverage of activities such as scuba diving, bungee jumping, windsurfing, alpine ski touring and more.

Read More: Travel Insurance For United States Tourists

Is HTH a Good Choice for Travel Insurance?

HTH is a good choice for travel insurance if you’re seeking high trip interruption coverage limits and CFAR coverage. HTH offers trip interruption limits upwards of 200% and provides 75% CFAR reimbursement through its Preferred plan.

Despite HTH’s high trip interruption coverage limits and available CFAR coverage, it does not offer coverage for hurricane and weather delays, whereas other companies we’ve reviewed do. In addition, the company does not offer some coverage add-ons in select states. We encourage you to consider your unique concerns and needs as a traveler before choosing a policy.

Frequently Asked Questions About HTH Worldwide Travel Insurance

Does hth worldwide cover pre-existing conditions.

HTH covers pre-existing conditions under certain circumstances. Pre-existing conditions are not covered on any TripProtector plan. However, HTH sells pre-existing condition exclusion waivers for customers buying Classic or Preferred plans. They must get the waiver within 14 days of the initial trip payment.

Does HTH sell multi-trip policies?

HTH does sell multi-trip plans, called Trekker Essential and Trekker Choice, but only for travel health insurance. The policies do not include cancellation or other trip protection benefits. The plans are through GeoBlue, the travel health insurance brand of Worldwide Insurance Services, which also owns HTH Worldwide.

Does HTH Worldwide sell any add-ons for its TripProtector plans?

Yes, HTH Worldwide sells add-ons for its TripProtector plans. In addition to the pre-existing condition waiver, TripProtector Preferred customers can purchase cancel for any reason (CFAR) coverage, which reimburses 75% of the cost of a single trip without requiring a reason for cancellation.

Can I purchase insurance after departing for my trip?

No, you cannot purchase insurance from HTH after departure. TripProtector policies must be sold in the U.S. If you have already left on your trip, you are unable to get coverage from HTH Worldwide. Some other insurers sell policies after departure, but they typically have a two or three-day waiting period before coverage begins.

Other Travel Insurance Providers to Consider

If you’re looking to compare travel insurance providers, check out our other guides to help you find the right coverage for your needs.

• Travelex travel insurance
• Nationwide travel insurance
• Tin Leg travel insurance
• WorldTrips travel insurance
• AIG Travel Guard travel insurance
• Seven Corners travel insurance
• Faye travel insurance

Methodology: Our System for Ranking the Best Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

HTH Travel Insurance | Money

Best for long-term international travel insurance.

P lanning a trip? The last thing you want is to get stuck with a hefty bill if something goes wrong. The best travel insurance companies provide coverage for emergency medical costs, trip cancellation, evacuations and other potentially costly issues.

HTH Travel Insurance (also called HTH Worldwide Travel Insurance) is a reliable travel insurance provider offering three main plans and a range of benefits. This might be the right travel insurer for you if you’re heading out on a long-term journey or want the highest coverage limits.

HTH Travel Insurance stands out for its long-term plans. The Xplorer and Navigator plans are designed for expats, international students, missionaries and other travelers who plan on spending three or more months abroad. This HTH Travel Insurance review will guide you through the policies, pros and cons of HTH insurance to help you decide if it’s right for your trip.

HTH Travel Insurance Pros and Cons

So, what is insurance ? Do you need to buy it before you travel?

Some countries, but not all, require that you have travel insurance before you arrive. That said, it’s the only way to protect yourself from unexpected costs on your trip. The best travel insurance plans cover medical costs and other emergencies. Like having the best travel credit cards , traveling with insurance will help you to save money and provide peace of mind in case anything goes wrong.

HTH Travel Insurance is a good option for long trips, but it might not be the best insurer for everyone. Here’s a quick look at what you should expect from your plan.

Impressive coverage limits for medical expenses

Physician community that expands over 180 countries, access to health services worldwide via the mpassport app, offers insurance coverage for expatriates, some plans require travelers to have an existing primary health plan, 12-hour delay required for baggage delay coverage, pros explained.

Even the most affordable HTH Travel Insurance plan offers extensive coverage for medical emergencies. With TripProtector Economy, you get up to $75,000 in emergency medical coverage. TripProtector Classic offers up to $250,000, and TripProtector Preferred has up to $500,000.

That coverage is nearly triple the amount offered by other travel insurance providers. It provides security that you won’t have to pay out of pocket for an unexpected sickness or injury.

HTH Worldwide Insurance has a physician network that extends to almost every popular tourist destination. You can find a network physician in over 180 countries.

HTH Worldwide has an intuitive app that policyholders can use to find a network doctor, file a claim or learn more about their plan. The app is specially designed for long-term travelers who need to access health services in the country they’re staying in.

One unique feature of the mPassport app is its drug comparison and translation tool. You can look up any medication on the app and see an English translation, plus comparable drugs offered in the U.S. The app also has tools to search for nearby doctors and hospitals and store your electronic ID card.

HTH Worldwide is one of the few travel insurance providers that offer specialized insurance for expatriates. The Xplorer and Navigator plans are long-term health coverage options for business travelers, students, military members and anyone who travels for months at a time.

With these plans, you pay a monthly premium while you’re abroad. Coverage includes medical evacuations, physician costs, accidental death and repatriation coverage for your beneficiaries.

Cons explained

HTH Worldwide Travel Insurance offers affordable single-trip plans. To get the best rates for those policies, you must have your own health insurance plan at home. HTH offers a single-trip plan for travelers without primary health insurance, but it has limitations for preexisting conditions.

Baggage delay coverage is a common benefit of most travel insurance plans. It covers the costs of a baggage delay, like forwarding your bags or replacing the items you need.

All three HTH Travel Insurance plans include baggage delay coverage. But your baggage has to be delayed for a minimum amount of time before you can access that coverage — with TravelProtector Economy, only a 24-hour delay is covered. The other two plans cover delays of at least 12 hours. That’s a longer wait period than what other insurance plans offer.

HTH Travel Insurance Plans

HTH Worldwide Travel Insurance offers three base plans: Economy, Classic and Preferred. In addition, it provides a range of policies tailored to individual travelers’ needs.

Finding the right plan for your trip is crucial. A great travel insurance policy will help you save money and avoid stress while traveling, but the wrong plan could be an unnecessary cost. Look into HTH Worldwide’s insurance options to decide which is best for your trip.

Single Trip

Although HTH Worldwide is most popular with long-term travelers, it also offers two quick-trip plans. However, these plans don’t come with the baggage delay coverage, trip interruption and other benefits of the TripProtector plans. These are strictly travel medical insurance.

The single-trip option for travelers with primary health insurance is an affordable policy that provides medical coverage for the length of your trip. You’ll choose your maximum coverage amount (between $50,000 and $1 million) and your deductible (between $0 and $500).

The single-trip option for travelers without primary health insurance offers those same choices but has some limitations, like a 180-day exclusion for pre-existing conditions.

You can adapt HTH Worldwide TripProtector Preferred, Classic and Economy for multiple trips within the same year. Consult an HTH Insurance agent about your upcoming trips to find the right plan. HTH Worldwide’s expatriate insurance might be a better option if you take multiple long-term trips within the year.

HTH Worldwide offers two expatriate health insurance plans:

• Xplorer plan. This is the best option for families or individuals who’ll be overseas for at least three months within a single year. Xplorer is a health insurance plan, but you can add more benefits, such as baggage coverage.
• Navigator plan. The Navigator plan is an expatriate health insurance option designed for military professionals, business travelers, students and other expatriates who spend more than four months out of the year abroad.

You can modify any of HTH’s three primary plans for families and groups. These plans allow you to choose your deductible and come with some decent benefits, including baggage loss coverage of up to $2,000 per person.

HTH Worldwide is not the cheapest option for large groups of travelers. Depending on your trip’s length and cost, a family insurance plan’s total cost may be $1,000 or more. Talk with an HTH insurance agent for a more detailed cost estimate.

Trip Protection

HTH Worldwide TripProtector plans offer comprehensive trip insurance. These plans aren’t the most budget-friendly on the market, but they offer extensive coverage for medical costs, baggage delays or loss, cancellation and more. An HTH TripProtector plan might be the right insurance option if you want full-service trip protection.

HTH Travel Insurance Pricing

The exact cost of your HTH Travel Insurance premium depends on several factors, including:

• Number of travelers and their ages
• Destination country/countries
• Length of trip
• Total cost of the trip
• Pre-existing health conditions

Note that TripProtector Economy, HTH’s most affordable plan option, is only available for trips under $5,000. The other two plans are available for single or multiple trips of any length.

According to most HTH Travel Insurance reviews, this isn’t the cheapest travel insurance provider on the market. Our sample quotes showed that premiums are on par with comparable plans, if not slightly more expensive. But those prices might be worth it if you value high coverage limits and various benefits.

HTH Travel Insurance Financial Stability

HTH Travel Insurance has an A- rating (excellent) from AM Best.

Do financial strength ratings affect your insurance policy? Not necessarily. But they show how stable a company is, which means you shouldn’t expect any dramatic price changes or plan cancellations in the near future.

HTH Travel Insurance Accessibility

HTH Worldwide Travel Insurance is well-rated across multiple review platforms for its accessibility. This insurer makes it easy to get a quote and buy a plan. In addition, its claims filing process is straightforward and generally quick compared to other insurance providers.

Availability

HTH Worldwide is available nationwide. Its global network of physicians is available in over 180 countries.

Contact information

There are a few ways to contact HTH’s customer service. You can get a fast quote and browse plans on the HTH official website. HTH also has two 24/7 customer helplines to answer questions or file a claim.

You may also file claims through email. All the necessary documentation for filing a claim is available on the HTH website.

User experience

HTH Worldwide Travel Insurance reviews report a generally easy user experience. The mPassport app is well-rated and easy to navigate. There are some HTH Travel Insurance complaints that refer to the claims filing process, but that is standard for the industry.

HTH Travel Insurance Customer Satisfaction

Most customer reviews of HTH Travel Insurance report high customer satisfaction. Because HTH Worldwide is a smaller insurance company, most claims are processed fairly quickly, and customer service agents are very responsive. However, according to a few complaints, some customers feel that the claims filing process could be easier.

HTH Travel Insurance FAQ

What doesn't hth worldwide travel insurance cover.

Unfortunately, HTH Travel Insurance does not cover medical costs or evacuations related to COVID-19. It also excludes coverage for injuries caused by intoxication, dangerous sports or mental illness.

How can I file a travel insurance claim with HTH Worldwide?

You can file an HTH Travel Insurance claim over the phone or through email. You'll find forms for each claim type on the official HTH website.

Which is the best HTH Worldwide Travel Insurance plan?

What you feel is the best plan depends on your travel needs. For example, HTH Travel Insurance is best rated for its expatriate health insurance plans, but a single-trip option might be the right plan for you, especially if you want high coverage limits.

How We Evaluated HTH Travel Insurance

For this HTH Travel Insurance review, we compared HTH Worldwide to other insurers based on a few critical factors, including:

• Range of plans and add-on options
• Customer satisfaction and complaints
• Accessibility
• Coverage limits
• Claims filing process
• Group, family and multi-trip options

Summary of Money’s HTH Travel Insurance Review

There are plenty of ways to save money while you’re traveling. Booking your flights and hotels through the best travel booking sites , choosing the cheapest dates and paying with the best travel rewards credit cards will help you cut costs. But when it comes to emergencies and cancellations, a great travel insurance plan is the only way to avoid high expenses.

HTH Worldwide is a good insurance provider for most travelers. It has super high coverage limits and flexible deductibles. All things considered, this travel insurance stands out for its expatriate options and is an excellent choice for long-term trips. If you plan on traveling for multiple months per year, HTH Travel Insurance may be your best choice.

© Copyright 2023 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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HTH Travel Insurance is a leader in helping world travelers gain access to quality healthcare services all around the globe. HTH combines ongoing research, a contracted global community of physicians and hospitals, advanced Internet applications, and wide experience in international health insurance to ensure customers’ health, safety and peace of mind.

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Why choose HTH Travel Insurance

Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in CA and in NY) offers a variety of travel medical insurance across the U.S. under leading brands.  HTH offers a wide selection of travel health insurance plans that include coverage for hospital care, surgery, office visits, prescription drugs and medical evacuation. Travel the world with confidence knowing that you have convenient access to a community of trusted English-speaking physicians in more than 180 countries.

Access to Elite Doctors can lead to better diagnosis, treatment and outcomes.

More comprehensive benefits means the coverage is there when you need it.

A - rated (excellent) insurance, offering peace of mind.

Contracted providers bill HTH directly*, which eliminates red tape and the paperwork hassles.

HTH members gain access to critical health and security tools, so the unexpected crisis can either be avoided or quickly resolved.

Comprehensive Plans

Trip protector economy, a comprehensive plan that offers travel protection plus travel medical insurance trip cancellation up to $50,000/trip interruption up to 200% of trip cost up to 500,000 medical for sickness and injury/$1,000,000 medical transportation tripprotector preferred coverages plus cancel for any reason (optional). pre-existing condition exclusion waiver may be available if purchased within 21 days of initial trip deposit( for the preferred plan and 14 days for the classic).

AM Best Rating: A (Excellent)

Underwritten By: United States Fire Insurance Company

Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724

Trip Protector  Classic

A comprehensive plan that offers travel protection plus travel medical insurance

Trip cancellation up to $25,000/Trip interruption up to 150% of trip cost

$250,000 medical for sickness and injury/$1,000,000 medical transportation

Includes all TripProtector Economy coverages plus Natural disaster, terrorist incident and bankruptcy

Pre-existing condition exclusion waiver may be available if purchased within 14 days of initial trip deposit.

Trip Protector  Preferred

Trip cancellation up to $50,000/Trip interruption up to 200% of trip cost

$500,000 medical for sickness and injury/$1,000,000 medical transportation

TripProtector Economy and Classic coverages plus Cancel for Any Reason (optional).

Pre-existing condition exclusion waiver may be available if purchased within 21 days of initial trip deposit.

Travel  Medical Plans

Single trip option for travelers with primary health insurance.

Short term international travel medical plans for leisure, educational, missionary or business travel

Choice of varying medical limits and deductibles

For trips outside the U.S. up to 6 months for ages 95 or younger

Covers pre-existing conditions for medical services and medical evacuation.

Single Trip option for travelers without primary health insurance

For trips up to 6 months for ages 95 or younger

Covers pre-existing conditions for medical evacuation.

Multi Trip Annual Plan

Medical Benefits Essential Choice

Maximum International Benefits per Insured Person per policy period: $500,000* $1,000,000*

For Individuals aged 70 - 95, the Maximum International Medical Benefit for Multi-Trip Preferred is $100,000. Deductible per Insured Person per policy period

Global Health and Safety Services

24 Hour/ 7 Day Global Medical Assistance

Covers all international trips (up to 70 days duration per trip) in a 12 month period.

Speciality  Plans

International students & faculty.

Coverage for international students and faculty in the U.S. and Abroad

Unlimited medical maximum

Deductible waived for office visits/J1 Visa compliant options

No waiting period for preventive services

Outbound option for Students & Faculty

Short term health insurance for U.S. students and faculty traveling Abroad

Up to $1 million in coverage

Medical, Evacuation, RX, AD&D

No hospital pre-certification penalty

Visit their website for the full range of available plans and benefits 

Want to insure with HTH Travel Insurance?

Travel the world with confidence knowing that you have convenient access to a community of trusted English-speaking physicians in more than 180 countries

Contact Information for HTH Travel Insurance

> Customer Service 888-243-2358

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Weekdays, 8:00am - 8:00pm ET

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> Claims Contact Tel: 888-243-2358

Fax: 610-293-3528

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HTH Travel Insurance c/o Claims Department 933 First Avenue King of Prussia, Pennsylvania 19406

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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 Italy in April 2024. The traveler was a 35-year-old woman from Illinois who spent $2,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $76.64. 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 travel insurance companies
• Get a secured credit card
• Get a credit-builder product or a secured loan
• Use a co-signer
• Become an authorized user
• Get credit for the bills you pay
• Practice good credit habits
• Check your credit scores and reports

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.

• Frequently asked questions

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 $56 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers a low-cost option for coverage.

Even 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 $91, about $15 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 $75 for our sample trip, the Essential plan was about average.

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, pet owners might want to add on kennel coverage, which covers boarding costs if your trip is delayed. Traveling with expensive gear or attending an expensive concert/sporting event? Consider adding on coverage for electronic equipment and ticketed events.

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 ($81 for our sample trip) provides less coverage than the higher-priced Explorer but 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 $63, nearly 17% below 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 Italy costs $75 — 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.

IMG is also a good option for the budget-minded: the iTravelInsured Lite plan comes to just $59 for our trip to Italy — more than 20% below average.

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 $64 for our sample trip, knocking about $10 off 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 $89, the Basic plan was among the more expensive for our trip to Italy.

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 $73, the TripProtector Economy policy is just below 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 coverage 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.

What’s not covered?

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.

Methodology

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...

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

9 Best Travel Insurance Companies of March 2024

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

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

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

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

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

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

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

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

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

SEE FULL REVIEW »

Annual and multitrip policies are available

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

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

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

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

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

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

More limited coverage for baggage issues than other companies

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

Travel insurance policy coverage is tailored to your specific trip

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

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

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

Limited trip cancellation coverage even at the highest tier

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

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

Cancel for any reason coverage costs extra

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

Generous emergency medical and emergency evacuation coverage

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

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

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

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

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

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

Travel Insurance Types: Which One Is Right for You?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Why Trust U.S. News Travel

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

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Botswana travel information & requirements

What to consider when taking a trip to botswana, do i need travel insurance to visit botswana, what does travel insurance for botswana cover, what isn’t covered by travel insurance for botswana, how much does travel insurance for botswana cost, tips for getting the best botswana travel insurance, faq: botswana travel insurance, related topics.

Travel Insurance for Botswana: Compare Your Coverage Options

• Your U.S. health insurance won’t cover you in Botswana , so it’s wise to get travel medical and evacuation coverage for your trip, even though it’s optional.
• A comprehensive travel insurance policy will also protect against trip cancellations, interruptions, delays, lost baggage and more .
• Our top picks for travel insurance for Botswana are from HTH, Nationwide and Seven Corners ( skip ahead to see these plans ).
• According to our sales data, travel insurance for Botswana costs approximately $44 per day .
• Use our online comparison tool to easily compare multiple plans and find the best coverage for your needs.

If you’re planning a trip to Botswana, travel insurance should be one of your top considerations.

No matter how carefully you plan your trip, there’s always a chance you’ll injure yourself, come down with an illness or experience some other type of loss. Travel insurance for Botswana prevents you from losing your hard-earned money if you have to cancel your trip or end it earlier than planned.

Join us as we answer the following questions:

• Is travel insurance required for a trip to Botswana?
• What does travel insurance cover?
• How much does travel insurance cost?

Our top picks for the best botswana travel insurance

• HTH Travel Insurance: Best Comprehensive Travel Plans
• Nationwide Mutual Insurance Company: Best for Trip Interruption & Travel Delay
• Seven Corners: Best for Robust Coverage

Our top picks for travel insurance for Botswana

Hth travel insurance, nationwide mutual insurance company, seven corners.

Before you pack your bags for a trip to Botswana, consider the following factors.

Trips to Botswana are expensive

Botswana isn’t exactly a hop, a skip and a jump away, so most trips last for at least 20 days. Therefore, traveling to Botswana is much more expensive than traveling to many other destinations. In fact, Squaremouth reports that $18,000 was the average cost for a group to travel to Botswana in 2022. If you don’t want to lose thousands of dollars, we advise you to buy travel insurance for Botswana well in advance of your trip.

Traveling to Botswana

Traveling to Botswana is somewhat difficult, as you may have to make multiple airport connections. Botswana is also known for its hazardous roadways. Due to the high likelihood of delays and other travel issues, we recommend that you purchase comprehensive travel insurance to cover mishaps like trip cancellations, delays and interruptions.

Attractions in Botswana

Botswana has a little something for everyone. If you’re looking to relax, visit Botswana’s 2,000-year-old baobab trees or visit the San bushmen at Kalahari Plains Camp. For adventure activities, consider heading to Chobe National Park Botswana, Kgalagadi Transfrontier Park or Makgadikgadi Pans National Park, a popular site for skydiving and parachuting.

If you plan to participate in adventure activities, you’ll need additional coverage. It’s also important to remember that many attractions are in remote areas far from adequate medical facilities.

There’s no legal requirement to purchase Botswana travel insurance, but we highly recommend that you build a comprehensive policy based on your unique needs.

Risk of pickpockets and petty crime

According to the Global Peace Index , Botswana is one of the safest countries in Africa, so attacks on tourists are rare. There is a slight risk of carjacking, break-ins and violent crime, however. For example, criminals have robbed tourists around Gaborone Dam and Kgale Hill. If someone steals your belongings, your travel insurance may pay to replace them. In some cases, travel insurance also covers lost or damaged items.

Insect bites, illness and disease

When you visit Botswana, there’s a risk of contracting insect-borne, food-borne or water-borne illnesses. For example, yellow fever, filariasis and malaria are widespread. If you’re entering from a country where yellow fever is endemic, you must get vaccinated before your trip. There’s also a high risk of HIV/AIDS.

You can reduce your risk of contracting these illnesses by washing your hands regularly, using insect repellent and getting vaccinated. To reduce the risk of HIV transmission, avoid handling blood and other body fluids.

If you develop one of these illnesses despite taking preventive measures, you’ll need professional medical care. U.S. health insurance doesn’t work in Botswana, so it’s important to have travel insurance with plenty of medical coverage included.

Adventure activities

If you plan to go mountain biking through the Northern Tuli Reserve or participate in another adventure activity, make sure you purchase an adventure add-on. Otherwise, it’s likely your standard travel insurance policy won’t cover any injuries arising from your participation.

Challenging terrain and road conditions

Botswana is known for its challenging terrain. It’s common for animals to run out in front of vehicles, increasing the risk of accidents. Some areas are extremely remote, making it difficult to access emergency assistance. Therefore, it’s important to purchase medical evacuation coverage before you visit.

Travel insurance for Botswana typically covers the circumstances below.

Travel medical insurance

Chobe National Park is a great place to look for elephants, but it has some difficult terrain. If you injure yourself, you’ll need medical insurance to cover the cost of your healthcare needs. Squaremouth recommends carrying at least $100,000 in medical coverage for your trip to Botswana.

Medical evacuation insurance

If you’re injured while traveling across the African savanna, you’ll need some way to get to an adequate medical facility. For example, you may need to be airlifted out of the savanna and to the nearest city. Squaremouth recommends having at least $250,000 in medical evacuation insurance to cover these expenses.

Trip cancellation insurance

Trip cancellation insurance reimburses your prepaid, nonrefundable expenses if you have to cancel your trip for a covered reason. Covered reasons typically include natural disasters, the death of a travel companion, terrorism and unforeseen illness.

For example, if you’re diagnosed with cancer one month before your trip, you may need to cancel to start treatment right away. Trip cancellation insurance covers this type of situation.

Cancel-for-any-reason insurance

Cancel-for-any-reason insurance allows you to cancel for a non-covered reason and still get some of your money back. For example, if you suddenly develop a fear of flying, you may be able to cancel and get back 75% of your prepaid, nonrefundable trip costs.

Trip interruption insurance

Imagine you’re visiting Orapa Diamond Mine when you trip and fracture one of the bones in your leg. Your itinerary is filled with adventure activities you can’t do with your leg in a cast. Trip interruption insurance reimburses you for the unused portion of your prepaid, nonrefundable expenses if you have to return home earlier than expected.

Trip delay insurance

When you travel to Botswana, there’s a good chance you’ll have to take multiple flights, increasing the risk of delays. Trip delay insurance protects you if a delay causes you to miss part of your trip or forces you to incur additional expenses. For example, if you miss a prepaid excursion to one of the national parks, your insurance company may reimburse you.

Adventure activity coverage

Powerboating is one of the most popular activities for tourists visiting the Okavango Delta. If you plan to participate, it’s likely your standard travel insurance won’t cover any resulting injuries. Make sure you purchase an adventure sports add-on to give your travel companions extra peace of mind.

Baggage insurance

If your luggage goes missing, your travel insurance provider will reimburse you up to the limits of your policy.

Travel insurance may not cover the following:

• Injuries associated with drug/alcohol use. If you injure yourself while intoxicated, your insurance provider may not cover your medical expenses.
• Losses associated with illicit activities. Insurance companies generally don’t cover expenses associated with criminal activity, including theft or use of illicit substances.
• Normal pregnancy expenses. Although your policy won’t cover prenatal exams and other normal pregnancy expenses while traveling , it may cover emergency medical expenses associated with your pregnancy.
• Foreseeable events. Travel insurance generally doesn’t cover foreseeable events, which are events that a reasonable person could have predicted.
• Inclement weather that doesn’t affect your trip. If severe flooding prevents you from arriving in Botswana as scheduled, your insurer may reimburse you for your prepaid, nonrefundable expenses. However, you can’t get reimbursed just because it rains.
• Pre-existing medical conditions. If you have diabetes, kidney disease or another preexisting medical condition before purchasing travel insurance, your insurer may not cover any associated costs.
• Adventure activities. General travel insurance doesn’t cover adventure sports. However, your insurance company may offer an adventure add-on to give you extra protection.

According to our sales data, travelers who purchased insurance for Botswana via our platform spent an average of $787 for an 18-day trip. We can, therefore, assume that coverage costs around $44 per day .

To help you better understand the cost range of travel insurance for Botswana, we obtained quotes from four leading providers. All our price quotes adhere to Squaremouth’s guidelines of at least $100,000 in emergency medical coverage and at least $250,000 in medical evacuation coverage.

We used this criteria for our quotes:

• Age: 50 years old
• State of residency: California
• Destination: Botswana
• Trip Length: 20 days
• Time of trip: August 2024
• Trip cost: $16,000

This first table shows our quotes for fundamental travel insurance, with prices ranging from around $1 to $4 per day .

Example Where Plan Doesn’t Reimburse the Full Trip Cost

This next table displays our quotes for more comprehensive travel insurance. These plans include coverage for trip cancellations and interruptions. We found that this coverage ranges from approximately $40 to $65 per day .

Example Where Plan Does Reimburse the Full Trip Cost

The cost of Botswana travel insurance varies based on several factors. This means your actual cost may not match the quotes shown. For accurate pricing, we advise getting a personalized quote .

Some factors that impact the cost of travel insurance include:

• Age. The older you are, the more likely you are to develop an injury or illness. Therefore, travel insurance costs more for older adults than it does for adults in their 20s and 30s.
• Trip length. The longer your trip is, the more expensive it is. You’ll need more coverage to ensure you have the right amount of protection.
• The extent of coverage. It’s cheap to buy travel insurance if you choose a policy that doesn’t insure the full cost of your trip. The more coverage you need, the more it costs to build a policy. You may also have to purchase add-on coverage for adventure sports or other activities.

Before you purchase Botswana travel insurance, consider the following:

How will you get there?

How will you travel around Botswana during your stay? The more transportation methods you use, the more likely it is that you’ll experience a delay.

What do you plan to do during your trip?

If you plan to go mountain biking or participate in other adventure activities, you may need an adventure sports add-on. If you plan to visit remote areas, you may also need to purchase extra medical evacuation coverage. What you plan to do has a big impact on how much insurance you need.

When do you plan to travel?

We encourage you to buy insurance as early as possible.

Is it safe for tourists to visit Botswana?

Like every country, Botswana has some areas where pickpocketing and other petty crimes are relatively common. However, it’s one of the safest nations in Africa, according to the Global Peace Index . One of the greatest risks is the poor road conditions.

The government of Botswana doesn’t require tourists to purchase travel insurance , but we highly recommend having comprehensive coverage before your trip begins.

What does Botswana travel insurance cover?

Botswana travel insurance covers a wide range of risks, such as natural disasters, inclement weather that begins after your departure, the unexpected death of a family member and acts of terrorism.

Can I buy travel insurance after I’ve started my trip to Botswana?

Some companies allow you to buy insurance after your trip begins, but we highly recommend purchasing as far in advance as possible.

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last 5 years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

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