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Travel Insurance for Atrial Fibrillation

Have you been dreaming of a relaxing break don’t forget to secure travel insurance for atrial fibrillation., specialised travel insurance for atrial fibrillation.

If you live with atrial fibrillation (A-fib), chances are that you’re often worried about travelling in case any symptoms such as tiredness, dizziness, or shortness of breath were to strike. However, like everyone else, you should be able to relax without worry. Having atrial fibrillation Travel Insurance that covers any potential symptom will provide you with peace of mind.

Declaring Atrial Fibrillation as a Pre-Existing Condition for Travel Insurance

Atrial fibrillation is a cardiac condition characterised by an irregular and often excessively fast heartbeat. Atrial Fibrillation is classed as a pre-existing medical condition and should be declared when taking out Travel Insurance, failure to do so could leave you paying out of pocket for any medical emergencies abroad or if you need to cancel your trip due to your condition. For most people, your heart rate should be regular and between 60 and 100 beats per minute when you are resting. When you have atrial fibrillation, your resting heart rate can often exceed 140 beats per minute. It’s essential to accurately disclose your atrial fibrillation and any other pre-existing conditions to your Travel Insurance provider to ensure that you are fully covered.

Types of Atrial Fibrillation and Travel Insurance Needs

There are varying types of atrial fibrillation, but no matter which type you have, you still need to declare it to your insurers and get the best Travel Insurance with atrial fibrillation cover for you and your travel requirements.

• Paroxysmal Atrial Fibrillation – Sporadic episodes in a 48 hour period.
• Persistent Atrial Fibrillation – Episodes lasting longer than 7 days.
• Permanent Atrial Fibrillation – Constant episodes of inconsistent heart rate.
• Long-standing Atrial Fibrillation – Episode lasting longer than a year.

Atrial fibrillation occurs when aberrant electrical impulses begin firing in the atria suddenly. Having atrial fibrillation is more common than you may think, with 1.4 million people having the condition in the UK. So you aren’t alone in having to find a Travel Insurance policy that includes atrial fibrillation medical cover.

Finding the Right Travel Insurance Policy for Atrial Fibrillation

While standard Travel Insurance policies include some medical cover, they often exclude claims relating to pre-existing medical conditions like Atrial Fibrillation, so finding a specialist Travel Insurance for atrial fibrillation that will cover emergency medical expenses related to your condition is important. We work with several providers to help you find the right policy with cover for atrial fibrillation. Once you’ve answered the medical screening questions as accurately as you can, you’ll see a list of insurers with possible atrial fibrillation policies that will work for you. You can then compare and choose the best atrial fibrillation Travel Insurance option that works for you. If you would prefer to speak to one of our Travel Insurance experts over the phone, call us today.

Travel Insurance for Atrial Fibrillation FAQs

Frequently asked questions about Travel Insurance for Atrial Fibrillation .

Do I need to declare my atrial fibrillation on my Travel Insurance?

Yes. You must get Travel Insurance for any pre-existing medical condition, including atrial fibrillation. Having a policy that covers you in the event of a medical emergency related to your atrial fibrillation will ensure that you’re protected. Nobody likes to think that something bad will happen while they’re abroad, but it is best to be prepared.

If you don’t get Travel Insurance and an A-fib medical emergency occurs, such as heart failure or a stroke, you could face expensive medical bills for any treatment you receive while abroad. Take our online medical screening assessment to find a policy that suits you today.

Does high altitude affect A-fib?

High elevations can aggravate certain forms of heart rhythm abnormalities, including your A-fib condition or arrhythmia and can go on to cause tachycardia. After taking a flight, your doctor may recommend that you relax and reduce your usual activity for several days and advise you to keep an eye out for any unusual or unfamiliar symptoms. Before booking your trip, consult your doctor about your atrial fibrillation and ensure you have the right Travel Insurance in place.

Can you fly with atrial fibrillation?

Yes, flying with atrial fibrillation (A-fib) is usually safe, but before you fly with atrial fibrillation you should:

• Get clearance from your doctor.
• Carry sufficient medications.
• Secure Travel Insurance with atrial fibrillation cover.
• Stay hydrated and move regularly during the flight.

Always have a plan for medical assistance at your destination if needed.

What precautions should I take when flying with atrial fibrillation?

You can fly with atrial fibrillation, but it’s advisable to take certain precautions, such as staying hydrated, avoiding caffeine, and following your medication schedule. Inform your airline in advance if you require any special assistance or medical equipment on board. Remember to secure atrial fibrillation Travel Insurance for your condition as soon as you book your flight. That way, you are protected from booking should anything go wrong preventing you from being able to fly.

How does atrial fibrillation impact Travel Insurance premiums?

Atrial fibrillation can affect Travel Insurance premiums, as insurers may consider it a higher-risk condition. You must declare it when taking out a policy to ensure proper cover. Always declare your condition when applying for any insurance to ensure you receive the appropriate cover.

Can I get Travel Insurance if I have tachycardia?

Yes, travellers with tachycardia can obtain Travel Insurance from Just Travel Cover. It’s important to declare tachycardia as a pre-existing condition when applying for your policy to ensure you’re properly covered should you need go make a claim. We work with a range of insurers who offer specialised medical policies that cover medical conditions, including tachycardia, atrial fibrillation and other heart conditions , ensuring you’re protected during your travels.

Is special documentation required to obtain Travel Insurance with a heart condition such as atrial fibrillation, tachycardia or arrhythmia?

When applying for Travel Insurance with a medical condition, it’s essential to complete a medical screening process. This doesn’t require special documentation but involves answering questions about your condition, treatment, and any medication you’re taking. Accurate information will ensure you receive the right cover for your needs and the best insurance for you. Visit our heart condition Travel Insurance page for more information.

Travel Insurance for Atrial Fibrillation – Your Cover

• Cancellation/ curtailment up to £12,500 (£30,000 on referral)
• Missed departure up to £1,500 per person
• Baggage up to £3,000 per person
• Personal Liability up to £2 million per person
• Zero excess policies available

Medical Cover for Atrial Fibrillation

• Emergency medical expenses and repatriation up to £15 million
• 24/7 emergency medical assistance
• Cover for all types of Atrial Fibrillation

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Real Travel Insurance Help for Military Families

Because the orders always change, amiright?

There’s a bucket-list vacation you and your spouse want to take. You’ve been squirreling away money. You’ve got an “Amah-zing Vacation” board on Pinterest. You’ve been Googling, and planning and dreaming. Lots and lots of dreaming. Dreaming about that vacation is what’s getting you through allergy season and the end of the school year right now.

Or maybe that’s just me.

But you’re afraid to start buying plane tickets and booking hotels because you don’t want to lose your deposits, or worse — the full payments — if and when your spouse’s orders change and leave gets revoked. And if you don’t purchase soon, that incredible fare or deal you found will be as gone as that pint of Ben & Jerry’s you thought you’d carefully hidden in the back of the freezer.

Good news, fearful travelers! There are two ways to book that dream trip and still be protected, and one of them is probably not what you think.

First things first, the obvious one: Buy travel insurance.

But there’s a catch. Buying travel insurance is great advice — for civilian families. Travel insurance policies cover most of the things that could happen — to civilians — that would prevent them from being able to take dream trips.

“With my military family clients, I make it a point to reiterate that they make sure to read the fine print very carefully. Many travel insurance policies only allow military to cancel their trips if called to duty for a natural disaster, not a combat zone deployment or simple TDY or leave revocation,” Casey Coté told me. She’s a military spouse herself and a travel agent , so she knows exactly where we’re coming from with these fears.

I called a certain travel insurance company to ask about that leave-gets-revoked scenario. (I’m not going to name-check that company here because it turns out their policy is pretty standard and other companies impose the same limitations):

Me: Your policy says it covers military who have to cancel because they are called to war. How do you define “war”?

Representative: We cover it if they have to go to war or if they are called up to respond to a national disaster.

Me: Yes, but how do you define “war”?

Representative: What do you mean? We define it as “war."

Me: But what if my husband got sent to a place that isn’t officially a “war zone." Like, what if he got sent to Syria? We’re not technically at war there. Would that be covered? Or what about a humanitarian mission?

Representative: I have no idea. We would have to review that on a case-by-case basis after it happened.

Me: You mean after we’ve purchased this expensive trip and this expensive travel insurance policy, you would decide later if the insurance policy would actually cover us? That doesn’t really sound like insurance to me.

Representative: I’m sorry, Ma’am. I wish I had a better answer for you. We do cover illness and death in the family.

Me: Okay, so what about non-war orders? What if my husband doesn’t get sent anywhere to fight but something comes up and his orders are changed? Would that be covered?

Representative: Again, I really don’t know. We’d have to have a letter from the commander explaining the situation and then we’d consider it on a case-by-case basis.

Me: Again, that doesn’t really sound like insurance.

Coté says this case-by-case basis thing is really common with travel insurance companies.

“When you start peeling away the layers of jargon on these policies and ask in-depth questions, agents freeze up and have no clue what to tell you,” she said.

Coté also said that many travel insurance policies have a "cancel for work reasons" clause that should cover military duty — emphasis on the “should” — but sometimes doesn’t.

“I've run into some travel insurance companies who give me the runaround when I mention that scenario, because the word ‘military’ seems to change everything,” Coté said.

TravelGuard is the travel insurance company Coté said she most often recommends to both military and non-military clients. She said TravelGuard's “cancel for any reason” clause seems more cut and dry than most, the coverage limitations are clearly defined and the staff in the call center are typically able to answer coverage questions.

Section 2 of TravelGuard’s Gold Plan benefits explanation states that TravelGuard will reimburse the full cost of the trip if, among other things, “the Insured or Traveling Companion is called to active military service or military leave is revoked or reassigned.”

But even with that clearly spelled out, you can never be too careful, Coté said.

“As I recommend to all my clients, if you are unsure of any part of the policy or do not fully understand any of the certificate jargon, call the insurance company before purchasing your policy and sort those questions out, and be as specific as possible when describing your travel and military needs. Only they can shed light on specific terms as they relate to your travel needs. If you need to buy a more comprehensive plan to cover your needs, then do so. It may come at a higher cost, but that cost will likely outweigh the risk of traveling without having all possible travel snafus covered,” she said.

There’s one other option for travel coverage that you may not have thought of: Your credit card.

Useful for more than just running up debt and jimmying the lock when your toddler locks himself in his bedroom, your credit card might — emphasis on the “might” — offer you some travel protection.

I stumbled across this tidbit of information when planning a trip recently and called my credit card company to ask. No dice. Mine offered some travel protection, but not the kind that would cover our military concerns.

So I started digging and discovered Chase’s Sapphire card was mentioned on several travel websites as the best card to have when traveling, for a number of reasons.

There may be other cards that offer the same, similar or even better travel benefits, I’m certainly not saying Chase is the only one. Also, it’s worth noting that I’m specifically talking about the Chase Sapphire card. Other Chase cards do not feature the same travel protection.

Here’s why I like the Chase Sapphire card: The insurance on the Chase Sapphire card specifically covers any change in military orders. And they cover it for both the card holder and a traveling companion, not just an immediate family member. The Chase Sapphire card also covers multiple people in a family — so if the service member has to cancel, the entire family can recoup the costs. It covers cancellations and interruptions for other reasons, too. And, yes, I called Chase, spoke to several representatives, and confirmed all of this, right before I applied for the card.

The representatives did tell me that the amounts can change from cardholder to cardholder and that there’s a cap on the amount it will cover. For the card I got, that cap is $10,000 per person with a maximum of $20,000 for a family — which is more than enough to cover any trips we plan on taking.

In any case, before you buy travel insurance or make any big purchases on a credit card that offers travel protection, take 15 minutes to call to talk to the representatives, and then get them to email you the information they report so that you’ll have it in writing. Hopefully you’ll never need it, but you’ll sure be glad to have it if you do.

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Military travel insurance, product overview.

In collaboration with Columbus Direct, a trusted travel insurance specialist with over 30 years of experience, we are pleased to offer you comprehensive military travel insurance. This holiday insurance is designed to give you adequate protection, peace of mind and meet the unique needs of military personnel and their families including cover for unexpected military call up. Travel insurance plays a major role in the planning of any trip. However, when it comes to military personnel and their families, it takes on an even greater significance with the unique challenges and circumstances you face. That’s why it’s vital to have robust travel insurance that will safeguard your travel plans. This comprehensive travel insurance caters to your specific requirements and offers value for money, armed forces travel insurance for personal holidays, travel for all the family and trips with friends.

Who is this suitable for?

This insurance is available to individuals serving in the United Kingdom’s Armed Forces. This includes the Royal Navy/Royal Marines, the British Army, and the Royal Air Force. Additionally, this insurance is extended to veterans, MOD civilians and contractors and forces friends and family, ensuring that all members of the military community can access reliable insurance protection.

What travel insurance is available?

As a military insurance specialist, we understand the unique challenges and needs of our customers and through our partnership with Columbus Direct, Columbus are able to offer three levels of travel insurance: bronze, silver and gold. This ensures that you only pay for the protection you need. The bronze, silver and gold policies all offer cover for being recalled for military service and the ability to purchase this insurance even when you are on a base overseas. It has a range of other great features so, whether you are engaging in thrilling activities from the 150+ sports Columbus cover or relishing in a serene getaway, Columbus have add-ons to meet your requirements.

What should I be thinking about when selecting a cover level?

It is very important that you choose the correct insurance for your travel needs, and before you buy you are aware of all the key product information. What if your leave were to be cancelled? What is the value of your holiday? Will your chosen coverage adequately protect against such circumstances? What about if you’ve planned to take part in specific activities during your trip? You can find detailed policy documents that will give you essential information of what is covered below.

What about Travel restrictions?

You should always check international, national, and regional travel guidelines before you travel. Your cover may be affected if government restrictions impact your trip. This can be checked on the Foreign Office website.

What's covered?

• Cancellation cover for unavoidable military duty* (terms apply)
• Worldwide or European cover
• Travel from any country
• Up to £15m medical expenses (amount shown based on Gold Cover)
• Up to £2m personal liability cover (amount shown based on Gold Cover)
• Repatriation to the UK or overseas base
• Travel Delay up to £300 (amount shown based on Gold Cover)
• Optional winter sports cover available
• Baggage cover up to £2,500 (amount shown based on Gold Cover)

What's not covered?

• Any claim from you failing to take medication as prescribed by your medical practitioner
• Any claim arising from you being under the influence of alcohol or drugs
• Any claim arising from you being involved in any criminal act
• Any claim arising from pre-existing medical conditions (see medical declaration)
• Any claim for travel undertaken against Government advice
• Any claim for travel against medical advice or to get medical treatment
• The insured deciding they no long wish to travel
• Any excess taken from a claim as stated in your chosen policy

Frequently asked questions

Columbus single trip policies cover travellers up to 85 years old and 74 years old on Annual multi trip policies.

The policy only offers cover up to a certain number of days when purchasing single trip insurance. With an Annual multi-trip policy you can choose from a maximum trip duration of 31, 45 or 60 days. The policy schedule will include confirmation of the maximum days of cover provided.

Yes depending on the cover you select you will be covered for travel delay and missed connections.

Yes, all the levels of cover include lost cash, passport, documents and driving licence. Columbus Gold policies cover loss of personal money and documents up to £500, which includes a cash only limit of £300.

Yes this insurance covers you for trip cancellations due to unexpected military duty. If you, or a travelling companion, are a member of the Armed Forces and are required to stay in your country of residence because your leave is unexpectedly withdrawn this policy will cover you for cancellation.

Need help with your military insurance?

Request a call back via our call back form

Send us an email at [email protected]

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American Forces Travel Privileges Extended to Eligible Veterans

The Department of Defense announced today a policy change to the current shopping privileges on the American Forces Travel website. As directed by acting Under Secretary of Defense for Personnel and Readiness Virginia S. Penrod in a memo signed April 12, 2021, the department will extend online access to the website to honorably discharged veterans of the uniformed services.

On average, customers save 35-40% compared to commercial travel pricing by using AFT. This includes discounted rates on hotels (up to 60%), airfare, rental cars, vacation packages, event tickets, and cruises.

“Sixteen million veterans will now be able to access the American Forces Travel website, joining the 10 million active duty, Guard and reserve service members, family members, DOD civilians, and other patrons who are already receiving the benefit,” said Deputy Assistant Secretary of Defense for Military Community and Family Policy Patricia “Patty” Montes Barron. “We are committed to providing quality-of-life programs to our military community, which includes our honorably discharged veterans.”

The change will not affect access for existing patrons, and the increased customer base will allow AFT to negotiate better prices for its customers. 

AFT launched in 2019 as the only official joint service morale, welfare, and recreation leisure travel website exclusively for DOD patrons. In addition to improving access to DOD’s MWR benefits, every booking on American Forces Travel generates revenue to support critical quality-of-life programs for service members and families.

To access the exclusive military discount pricing on travel products, visit the American Forces Travel website . Proof of eligibility is required.

About Military Community and Family Policy

Military Community and Family Policy is directly responsible for establishing and overseeing quality-of-life policies and programs that help our service members, their families and survivors be well and mission-ready. Military OneSource is the gateway to programs and services that support the everyday needs of the 5.2 million service members and immediate family members of the military community. These DOD services can be accessed 24/7/365 around the world.

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Atrial Fibrillation Travel Insurance

If you're living with Atrial fibrillation, you'll want peace of mind when you travel. Our tailored policies cover pre-existing medical conditions, medical emergencies and cancellations. Travel with confidence, Get an AllClear quote today!

Page contents

The facts about atrial fibrillation and travel insurance, will you be able to get travel insurance with atrial fibrillation, why choose allclear for your atrial fibrillation travel insurance, search our providers now, atrial fibrillation travel tips, planning ahead, on the journey, while you’re there.

Atrial fibrillation Travel Insurance covers you if you’re living with atrial fibrillation and wish to travel with confidence. This type of insurance covers you for medical emergencies, which is vital to prevent unexpected medical bills and give you the support you need if you have any medical problems while you are away.

If you have atrial fibrillation (a form of arrythmia ), you’ll already know that it’s a long-term heart condition . The irregular rhythm and abnormally fast heartbeat sometimes associated with this condition can make you feel dizzy, short of breath and fatigued. So, in an unfamiliar environment, you could require urgent, specialist medical attention. As a result, you could be facing very high costs for emergency medical treatment. Therefore, it’s important to purchase comprehensive atrial fibrillation Travel Insurance  so you know you’re fully covered.

Put Travel Insurance cover for atrial fibrillation at the top of your holiday preparation to-do list!

Standard Travel Insurance policies don’t offer cover for pre-existing medical conditions. Therefore, you will need to make sure you purchase specialist Travel Insurance for pre existing conditions . It’s important that you don’t take the risk and travel abroad without Travel Insurance cover for atrial fibrillation .

Benefits of AllClear Cover

• Easy, online quotes with no need to call.
• Time-saving quote comparisons from a variety of insurance providers.
• No upper age limit on our AllClear policies.
• Both single and annual policies available.

Simple 3 step quote process

1. call us or click a quote button on our site, 2. complete our simple medical screening process, 3. get your quotes.

Our quote process is simple and straightforward. It should take you no more than a few minutes to get a range of quotes for atrial fibrillation Travel Insurance . Everything’s online but you can speak to us on Live Chat or give us a call if you need to.

Firstly, you’ll need to give us some key personal information and details of your intended trip. Then, you’ll fill out the online medical screening questions. Some of the things we’ll ask include:

• Have you had permanent or paroxysmal atrial fibrillation?
• How has your atrial fibrillation has been treated to date, e.g. have you had ablation surgery or have a pacemaker ?
• How many unplanned hospital visits have you had in the last 12 months?
• Details of your symptoms and medications.
• Have you ever had a heart attack?

You will also need to declare any other medical conditions for you or any of the other travellers you want to be covered on the policy.

Do you live with another heart condition? If so you could read our other useful guide on heart disease Travel Insurance.

We’re proud to have a 5 star rating on Trustpilot

Read allclear trustpilot reviews.

Atrial fibrillation is a long-term condition and you are probably already aware of most of the things you need to consider when travelling. You may however, be feeling nervous about taking a trip abroad, or unsure of what you think to think about while planning your trip.

As long as your condition is stable and well-managed, there should be nothing stopping you from enjoying a well-deserved break. However, there are a number of things to bear in mind to help you have a relaxing holiday.

It’s important that you don’t make plans to travel without the backing of your doctor. Speaking to them first should reassure you and help you arrange a safe and happy holiday.

• Discuss your holiday plans with your doctor or heart specialist before booking.
• Medical advice suggests not travelling to areas where you’ll experience extreme temperatures and high altitudes.
• Pack more medication than you need, in case of delays and unforeseen circumstances.
• Take your Travel Insurance documentation in your hand luggage for easy access to the details of your policy.

Travelling to and from your destination is the most stressful bit of any holiday, whether or not you have a pre-existing medical condition. Plan ahead with our atrial fibrillation travel tips for the journey:

• Dehydration can trigger atrial fibrillation symptoms. Stay hydrated by regularly drinking water or other non-alcoholic liquids, especially in warmer climates.
• You’re at higher risk of developing blood clots. Wear compression stockings on the flight, if advised by your doctor. Also be sure to stretch your legs during long journeys by walking around at regular intervals.
• If you are travelling through different time zones, make sure you know when you need to take your medicines.
• If you have an implant of pacemaker fitted, bear in mind that they can be affected by airport security machines. Tell airport staff in advance of passing through security and show them your device’s identification card.

Holidays are all about relaxing and trying new things. Talk to your doctor about any particular activities you plan to do in advance, and bear in mind that you might have to adjust your behaviour to keep yourself healthy while you’re abroad.

• Changes to your diet can trigger symptoms, so sample new foods in moderation and try to stick to your usual diet and routine.
• Keep active by making time for gentle physical activity each day. Don’t overexert yourself.
• Keep a careful track of any changes to your usual symptoms. Be aware of chest pain and heart rhythms that feel different or go on longer than usual. Also note any symptoms of stroke, such as confusion or weakness.
• Although it’s nice to be pampered, remember that it’s not advisable to use spa facilities such as saunas, and jacuzzis or steam rooms.
• Make sure you get enough sleep, because being overtired can be another trigger for your symptoms.

We hope you’ve found our travelling with atrial fibrillation information useful!

Article References:

Mayo Clinic: Planning to travel with atrial fibrillation?

NHS: Atrial fibrillation

British Heart Foundation: Atrial fibrillation (AF) – Causes, Diagnosis, Symptoms & Treatments

Written by: Russell Wallace | Travel Insurance Expert Last Updated: 8 March 2024

[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 30,000 reviews as of January 2023.

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Atrial Fibrillation Travel Insurance

Compare cover from as little as £8.71*.

Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover for their medical conditions.

Why do I need travel insurance for atrial fibrillation?

Standard travel insurance policies will normally include medical coverage, but it’s likely that this won’t extend to claims relating to pre-existing heart conditions like atrial fibrillation. 

Atrial fibrillation is the most common heart rhythm disturbance condition and affects 1 million people in the UK. With this condition sometimes requiring medical attention, it's important that you have a policy in place that will cover you for medical expenses, should you need to make a claim.

Most travel insurance providers will need to know if you have ever suffered from any heart-related health conditions, including atrial fibrillation and paroxysmal atrial fibrillation, no matter how long ago it was.

Our service enables customers to compare specialist cover for pre-existing medical conditions across a range of leading providers. Click the link below to get started, and make sure you tell us about your diagnosed conditions so we can compare the most relevant quotes.

Specialist Medical Cover

We only work with providers who specialise in covering pre-existing conditions.

No discounts. No pressure. We’ll always show you the best prices from providers.

Medical screening for atrial fibrillation

Medical screening for atrial fibrillation refers to the questions you might be asked after you’ve declared the condition. 

These questions are asked so that travel insurance providers can get more of an insight into your medical background and develop a better understanding of how you're living with atrial fibrillation.

This enables them to offer you the right type of cover. So, when you start comparing policies with us, you can be sure that they include everything you need. 

Here is  a list of some questions you may be asked during the online screening: 

• How has your condition been treated? (e.g. pacemaker or medication)
• How many unplanned hospital visits for your irregular heartbeat have you had in the last 12 months?
• Do you have any further investigation or treatment planned? 
• Are you on medication to thin the blood?

What does atrial fibrillation travel insurance cover?

By declaring atrial fibrillation on your policy, you can rest assured that your cover will take into account your condition, and any impact it has on your trip. For example, if your condition flares up before your holiday, or whilst you are away.

While standard travel insurance varies from provider to provider, you’ll usually find that it will include the same type of things. Therefore, you should expect the following as a minimum for specialist medical travel insurance: 

• Emergency Medical Expenses and Repatriation - in the event that you end up in hospital, or need to be repatriated back to the UK.
• Lost, Stolen or Damaged Personal Belongings - to also include atrial fibrillation treatments and medications (i.e. a pacemaker).    
• Cancellation and Curtailment - in the event of cancelling or cutting your trip short as a result of your condition.
• Travel Delay - this won’t always be included, so check with your provider.
• Personal Liability - if you cause accidental damage to another person or someone else’s property - cover is provided.

To get started, how about finding a few quotes that will suit you best?

Optional extras

Also, feel free to add any optional extras that you need - such as gadget cover, cruise cover or winter sports cover.  

This may increase your premium, but it will also increase your peace of mind. It’s definitely something to consider when shopping around, especially if you have different types of holidays planned.

• Gadget cover
• Cruise cover
• Winter sports cover

Top tips for travelling with a heart condition

Dr Sarah Jarvis is the Clinical Director of the Patient Platform, an active medical writer, broadcaster, and the resident doctor for BBC Radio 2.

Around 7.4 million people in the UK are living with conditions that have an impact on their heart and circulation – so-called cardiovascular disease or CVD. They are surprisingly common – in fact, twice as many people are living with CVD than Alzheimer's and cancer combined.

Having a heart condition certainly should not stop you from enjoying a holiday, but you should plan in advance to reduce the risk of running into problems. Here are my top tips for a happy, healthy holiday.

Get quotes from specialist atrial fibrillation travel insurance providers

We work with over 30 travel insurance providers who all specialise in medical travel insurance for pre-existing medical conditions.

That means you have plenty of choice across a range of policies when comparing cover on an insurance policy for atrial fibrillation.

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Frequently Asked Questions

Comparing competitive quotes for atrial fibrillation travel insurance makes it possible to find a suitable policy without costing the earth. So why not  get a quote  and explore a range of offers from different providers?

Declaring any pre-existing conditions in relation to the heart is important - as it enables insurance providers to offer you the right type of insurance to cover you should anything happen as a result of your condition while abroad. Most travel insurance providers will need to know if you've ever had any diagnosed heart-related health conditions.

Provided you have the right cover, you can claim against any expenses, including medical bills, you incur following a medical emergency in a country whilst on holiday.

* Price is based on 1 traveller aged 61, who has declared Atrial Fibrillation and is travelling to France for 7 nights. The price is correct as of April 2024. Prices may vary according to your individual requirements.

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• The normal heart rhythm and anatomy
• The heart during atrial fibrillation
• The different types of AFIB
• How common is AFIB?
• Who is at higher risk for AFIB?
• Why is AFIB dangerous?
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• Will I be able to get Travel Insurance if I have Atrial Fibrillation?

Yes, the majority of patients with atrial fibrillation can get travel insurance. However, sometimes it may require a higher premium (cost more). Please seek advice from health insurance providers. Sometimes it may be useful to contact several health insurances companies to find the best deal.

The content for this website for patients has been reviewed by Dr. Heather Edwards (nominated by the British Heart Rhythm Society (BHRS)).

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Free Spirit

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Atrial Fibrillation Travel Insurance

What is atrial fibrillation.

Atrial fibrillation is the most common heart rhythm disturbance, affecting around one million people in the UK according to the AF Association . Atrial fibrillation can affect adults of any age, but it becomes more common as you get older. It affects about 7 in 100 people aged over 65 , and more men than women have it.

Don’t let having atrial fibrillation stop you from travelling. Just make sure you take a few steps to prepare in advance, so you can have an enjoyable and worry-free trip.

• Buy specialist atrial fibrillation travel cover
• Take all of the medications you’ll need for your trip, and keep them in your carry-on luggage.
• During your flight, walk around when you can to prevent blood clots in your legs. Check with your doctor to see if you need to wear compression stockings.
• Before you leave, look at medical centres in or close to your holiday destination just in case you have a medical emergency.
• You could wear a medical alert bracelet with information about your condition printed on it.

It’s always worth discussing travelling with atrial fibrillation with your local GP to ensure they have no concerns about your travel plans. They may be able to offer other suggestions about travelling with your condition that you hadn’t thought about.

Why it’s vital to buy specialist heart condition travel cover?

You may find that standard travel insurance policies will not offer cover for pre-existing medical conditions such as atrial fibrillation and this can lead to people travelling abroad, without adequate cover and risking large medical bills.

No one likes to think that something may happen while travelling abroad, but being prepared with comprehensive travel insurance which covers all of your medical conditions, will give you and your loved ones the peace of mind to relax and enjoy a foreign holiday just the way it should be!

Don’t worry if you have other associated medical conditions, our specialist medical screening team will ask you the necessary questions so that all of your medical conditions can be considered. Terms and conditions may apply of course.

Don’t get stung with expensive cancellation & medical costs

Emergency medical care abroad can be hugely expensive and run into thousands of pounds. With our heart condition travel insurance policy, you’ll automatically be covered for up to £5 million of emergency medical expenses (£10 million with Super Duper). You’ll also have 24-hour access to an emergency medical assistance team, wherever you are in the world.

Our specialist travel insurance also gives you cover for cancellation or curtailment/loss of holiday. Should you need to cancel your holiday due to your screened medical conditions, Free Spirit provides a minimum level of cover on the Super policy or £2,500 in respect of your unused travel and accommodation costs which you have already paid for or, are contracted to pay and where you are unable to recover from any other source. Terms & conditions will apply of course.

Remember all of our limits of cover are per person. This means Free Spirit can give you the peace of mind protection you need prior to departure and while you are travelling.

Why not try us and get a quote now

Our fully interactive website includes online medical screening.

We will ask you some questions about your atrial fibrillation so that you get the travel insurance cover you need:

• How has your condition been treated?
• How many unplanned hospital visits for your irregular heartbeat have you had in the last 12 months?
• Do you have any further investigation or treatment planned?
• Are you on medication to thin the blood (not including aspirin) which requires regular blood tests?
• Has your heart rhythm ever caused collapses, faints or blackouts?
• Have you ever been told that the arteries in your heart are blocked or narrowed?
• Have you ever had angina and/or a heart attack?
• Do you have (or are you on medication for) heart-related breathlessness or ankle swelling?
• Have you ever had a stroke or a mini-stroke (TIA)?

We’re here to help you

We know that some people would rather speak to us so, if you choose to purchase your policy over the phone, please call 02392 419 080 to speak to our dedicated UK based customer services team.

For details of cover read our insurance policy or view details of the limits of cover . Alternatively, visit our heart conditions travel insurance page to see some of the other heart problems that we may cover.

Travelling abroad with a heart problem can be a concern. However, by ensuring you are properly prepared will allow you to relax and have an enjoyable break.

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The Guide to Chase Sapphire Preferred Travel Insurance

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Table of Contents

When does the Chase Sapphire Preferred® Card provide coverage?

Travel insurance benefits and limits on the chase sapphire preferred® card, the travel insurance benefits, explained, how do i file a claim, what if the card benefits are insufficient, the bottom line.

When travelers go abroad, many don’t think about travel insurance until something bad happens. But those who purchase their trip with the Chase Sapphire Preferred® Card are already covered for the most common travel woes.

Who qualifies for coverage under the Chase Sapphire Preferred® Card ? More important, how can you use your coverage in the worst-case scenario?

Empower yourself with the right information before you leave the country — then you'll be ready to lean on your travel insurance through Chase Sapphire Preferred® Card . Here’s what you need to know.

» Learn more: The best travel credit cards

To qualify, a portion of the trip must be purchased with the Chase Sapphire Preferred® Card or with Chase Ultimate Rewards® points earned from the card. Flight purchases made with Chase Ultimate Rewards® transferred to another program will not qualify for travel insurance benefits.

In many situations, travel insurance through the Chase Sapphire Preferred® Card extends beyond the primary cardholder. Trip cancellation, trip interruption, lost luggage and baggage delay coverage includes immediate family members, even if they aren’t traveling with the primary cardholder. However, there are limits to how many people can be covered per trip.

Rental car benefits are only given to the primary cardholder, who Chase defines as the “person to whom a U.S. credit card has been issued and their name is embossed on the card.” But if you meet the qualification requirements, any authorized drivers are also included in the rental car coverage.

» Learn more: Which Chase credit card is right for you?

We’ve included a table of all the travel insurance benefits provided by the Chase Sapphire Preferred® Card with further details about each benefit in the following sections.

Trip cancellation protection

If an event out of your control prevents you from departing for your vacation, trip cancellation benefits may help you recover some of your nonrefundable costs. When you pay for your trip using your Chase Sapphire Preferred® Card or using Chase Ultimate Rewards® points, the primary cardholder gets trip cancellation benefits up to $5,000 per trip or $10,000 per 12-month period. If multiple people are covered on the trip, the limit is $10,000 per trip or $20,000 per 12-month period.

» Learn more: Trip cancellation insurance: What you need to know

The trip cancellation benefit applies if a situation arises which prevents you from traveling on or before the departure date. Covered reasons include the accidental illness or injury to the traveler or a companion, severe weather that prevents a trip, or a change in military orders for the cardholder or their spouse or domestic partner.

Despite the name, trip cancellation doesn't mean cardholders can cancel their trip for any reason, or that all cancellations are covered. Travel arrangements canceled by a common carrier (like an airline or cruise line), tour operator or tour agency may not be covered, unless the cancellation is due to an organized strike or weather.

Trip cancellation also doesn't apply if you are in jail, have a reoccurrence of a pre-existing condition, or are “traveling or flying on any aircraft engaged in flight on a rocket-propelled or rocket launched aircraft.” Note, if the travel supplier cancels your trip but offers a credit or voucher for future travel, you will not be reimbursed by the Chase Sapphire Preferred® Card . If this scenario applies to you, you’ll need to decline the future travel credit to qualify for reimbursement under the Chase Sapphire Preferred® Card .

If you’re concerned with traveling and your reason for cancellation doesn't fall into one of the covered reasons, consider Cancel For Any Reason (CFAR) travel insurance, which is an optional add-on that you can purchase with a comprehensive stand-alone travel insurance policy.

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

Trip interruption coverage

Trip interruption insurance kicks in after departure and protects your nonrefundable prepaid trip plans if an event during your trip results in an interruption. For example, if you’re injured a few days into your trip and need to return home, trip interruption benefits can help you get your money back on the unused portion of your hotel stay. Coverage provided by the Chase Sapphire Preferred® Card provides up to $5,000 per trip or $10,000 per 12-month period. If multiple people are covered, the limit is $10,000 per trip or $20,000 per 12-month period.

The benefit applies to any prepaid tour, trip or vacation charged to your Chase Sapphire Preferred® Card at a destination greater than one mile from your primary residence and for a trip that doesn’t exceed 60 days. Covered situations include accidental injury or illness experienced by the traveler, their companion or an immediate family member, severe weather preventing a trip, finding a primary dwelling to be uninhabitable or a quarantine imposed by a physician for health reasons.

» Learn more: Trip interruption insurance explained

Like the trip cancellation benefit, travelers can’t file a claim for common carrier-caused delays. In addition, traveling against a physician’s advice, to receive medical treatment, while on a waitlist for specific medical treatment or traveling with a pre-existing condition do not count as a trip interruption.

Trip delay protections

A delay can happen for any reason, from irregular operations to missing flight crews for aircraft. Depending on how long your flight is delayed, you could get reimbursed for your incidental costs, ranging from meals to a hotel room.

The Chase Sapphire Preferred® Card offers a trip delay benefit of up to $500 for each purchased ticket if you are delayed by 12 hours or require an overnight stay. The reimbursement can cover reasonable expenses, such as food, hotel rooms, toiletries and any medications you may need.

» Learn more: What you need to know about Chase's trip delay insurance

However, if the delay was made public before departing, you may not be covered by this benefit. Prepaid expenses are not covered under trip delay but could be covered under the trip interruption benefit.

Baggage delay reimbursement

The last thing any traveler wants is the baggage carousel to stop without their bags on it. Those who pay for their trip with the Chase Sapphire Preferred® Card automatically qualify for baggage delay benefits in the event they arrive at their final destination, but their bags do not.

If luggage is delayed by more than six hours while traveling on a common carrier (such as an airline or train line), the Chase Sapphire Preferred® Card baggage delay benefit can reimburse you for up to $100 in essential items per day the luggage is lost. The benefit maximum is five days of delayed luggage, for a total maximum benefit of $500.

Not all emergency items are covered under the benefit. Excluded essential items include contact lenses or glasses, hearing aids, business samples, jewelry, watches, electronic equipment and cell phones. In addition, travelers are only allowed to purchase one cell phone charger under the duration of the benefit.

Lost luggage coverage

The term “lost luggage” doesn’t just apply to bags that are never recovered. A luggage loss can also apply to bags damaged by an airline or certain items that are damaged inside the bag.

If your bags are damaged in transit, you could receive the actual cash value (replacement cost less depreciation) for the items lost, damaged or destroyed during handling up to $3,000. There are jewelry and electronics limits of $500 each, respectively. The benefit may also extend to repair costs for checked or carry-on luggage.

» Learn more: 4 easy ways to make sure your lost luggage is found

To qualify for the lost luggage benefit, all losses must be immediately reported to the carrier. A carrier damage report must be submitted with the claim, otherwise, it could be denied.

Auto rental collision damage waiver

The most unsung benefit of the Chase Sapphire Preferred® Card is the primary auto rental collision damage waiver. If you rent a car and pay for it with the Chase Sapphire Preferred® Card , you could receive reimbursement for damage due to collision or theft up to the actual cash value of the vehicle.

Because the insurance is primary coverage, you would not be forced to file a claim with other insurance sources before filing with the Chase. In order to use this benefit, however, renters must decline the rental company collision damage waiver or loss damage waiver. If the company forces you to purchase their collision damage waiver, you can call Chase for assistance.

Travel accident insurance

Travel accident insurance consists of two types of protections: Common carrier travel accident insurance and 24-hour travel accident insurance, both of which cover accidental death or dismemberment, loss of speech, sight or hearing that occur on a trip.

Common carrier travel accident insurance applies when a covered loss occurs when entering, exiting or riding as a passenger on an airline, bus, train, cruise ship or any other common carrier. The benefit limit is $500,000.

The 24-hour travel accident insurance covers any losses experienced beginning on the departure date and ending on the return date as printed on the airline ticket. The benefit limit is $100,000.

Any losses sustained while committing an illegal act, parachute jumping, or involving flights on aircraft that are not certified by the government, will void coverage.

Other assistance benefits on the Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card provides access to two helpful pay-per use services: Roadside dispatch and travel and emergency assistance services.

For a set price, roadside dispatch offers standard towing, tire changing, jump starting, lockout service, fuel delivery and standard winching assistance 24 hours a day, 7 days per week.

Travel and emergency assistance provides help and referral services and connects you with appropriate local emergency and assistance resources while you’re traveling, 24 hours a day, 7 days per week. Example of services include medical referrals, legal referrals, emergency transportation assistance and more. The cost of using the services are the responsibility of the cardholder.

To file a claim for any of these benefits, your claim time frame begins the day the loss happens.

It’s important to file a claim as soon as possible, as claims can take time to process and provide reimbursement.

Claim information can be found in the benefits guide provided with the Chase Sapphire Preferred® Card . In addition to filing a claim form, you must provide supporting documentation to prove your loss. This includes reports from your airline or other transportation carrier, receipts for purchases related to the loss, or other proof of items lost, damaged or stolen that may be covered.

Once a claim is approved, it can be reimbursed in as few as five days. If you have any questions, call 888-320-9961 from within the U.S. or 804-673-1691 from outside the U.S. Claims can also be filed online at Eclaimsline.com .

If you consider the benefits offered by the Chase Sapphire Preferred® Card to be inadequate or you don’t have a premium travel credit card that provides travel insurance, consider getting a comprehensive travel insurance policy to protect your trip.

To find a policy in your state, you can either check with an insurance provider that you’re already familiar with or check out an insurance comparison site, like SquareMouth.

Insurance comparison sites provide numerous policies to choose from, including travel medical insurance, long-term travel insurance, Cancel For Any Reason coverage and more. Choosing the right plan for you depends on your trip goals and the benefits you’d like to have on your vacation.

» Learn more: How to find the best travel insurance

Despite being an entry level travel rewards card, the Chase Sapphire Preferred® Card offers a solid package of free travel insurance benefits. The card includes trip cancellation, trip interruption, trip delay, baggage delay, lost luggage, auto rental collision coverage and travel accident insurance.

Yes, the Chase Sapphire Preferred® Card offers trip cancellation coverage of $5,000 per trip and $10,000 per each 12-month period. The cardholder and immediate family members are covered by the benefit even if they aren’t traveling with him/her. If more than one individual is insured under the same card and sustains a loss on the trip, the benefit limit is $10,000 per trip and $20,000 per each 12-month period.

Examples of covered reasons include an accidental injury, illness or death of you or your traveling companion, natural disasters, military orders and jury duty. Generally, the reasons must be unforeseen and extraordinary. Trip cancellation coverage is included with the Chase Sapphire Preferred® Card and applies to the primary cardholder and his/her immediate family.

It depends on which card you have. The Chase Sapphire Preferred® Card , the Chase Sapphire Reserve® and the Ink Business Cash® Credit Card are three popular travel rewards credit cards offer travel insurance benefits.

If you have a credit card that offers travel insurance, check to see if the limits are sufficient to cover you for your trip. Although many premium travel credit cards provide complimentary travel insurance, the benefits are usually below those of a standalone travel insurance policy.

Despite being an entry level travel rewards card, the

Chase Sapphire Preferred® Card

offers a solid package of free travel insurance benefits. The card includes trip cancellation, trip interruption, trip delay, baggage delay, lost luggage, auto rental collision coverage and travel accident insurance.

offers trip cancellation coverage of $5,000 per trip and $10,000 per each 12-month period. The cardholder and immediate family members are covered by the benefit even if they aren’t traveling with him/her. If more than one individual is insured under the same card and sustains a loss on the trip, the benefit limit is $10,000 per trip and $20,000 per each 12-month period.

Examples of covered reasons include an accidental injury, illness or death of you or your traveling companion, natural disasters, military orders and jury duty. Generally, the reasons must be unforeseen and extraordinary. Trip cancellation coverage is included with the

and applies to the primary cardholder and his/her immediate family.

It depends on which card you have. The

Chase Sapphire Reserve®

Ink Business Cash® Credit Card

are three popular travel rewards credit cards offer travel insurance benefits.

Travel insurance through the Chase Sapphire Preferred® Card is free. Although the limits aren’t as high as you could get on a comprehensive travel insurance plan, they may be sufficient for your trip needs. These benefits and others , not to mention its mid-tier $95 annual fee, make it a solid entry-level travel rewards credit card.

» Learn more: How to get the most from the Chase Sapphire Preferred® Card

When planning a trip, consider your trip costs and the type of coverage you’re looking for before purchasing an independent policy, as the benefits provided by the Chase Sapphire Preferred® Card may be adequate.

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...

June 1, 2020

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At Allianz, we continue to show our commitment to sports through our sponsorship with the International Olympic Committee and the International Paralympic Committee. Read More >>

Entry Requirements & COVID-19 Travel Resources 

Confused about entry requirements for your destination? Our  interactive map shows current travel rules and restrictions for each destination, including info on COVID-19 testing, necessary travel documents and quarantine periods.

Find out how our  Epidemic Coverage Endorsement can protect your next trip from certain losses related to COVID-19.

Why do I need travel insurance?

Because sometimes..., you have to cancel a trip last-minute..

Travel insurance can reimburse you for your prepaid, non-refundable trip costs — including vacation rentals, car rentals, hotels and flights — if you have to cancel for a covered reason.

Travel delays leave you stranded.

Travel insurance can reimburse you for eligible meals, accommodation and transportation expenses during a covered delay.

You get sick or hurt when you're far from home.

Travel insurance can reimburse you for care following a covered medical emergency while traveling. We can even arrange and pay for a medical evacuation if needed.

Fender-benders are unavoidable.

Renting a car means taking on a big financial risk; even a tiny scrape can cost you hundreds. Low-priced rental car insurance lets you drive worry-free.

You need help in a hurry.

Whether you're planning a week-long road trip or a weekend getaway, you never know what might happen. Travel insurance gives you access to our 24-Hour Assistance hotline for expert, personalized support in a crisis.

Why go with Allianz Travel Insurance?

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

We're Protecting You

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

We're There For You

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

We're Built For You

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

TRAVEL RESOURCES

How Travel Insurance Works

How the Cancel Anytime Upgrade Works

What Does Rental Car Insurance Cover?

Is It Too Late to Buy Travel Insurance?

The Comprehensive Guide to Annual Travel Insurance

5 Ways the Allyz ®  TravelSmart App Can Help During Winter Travels

Travel Insurance with Emergency Medical Benefits

Destination Guide: Croatia

Travel Insurance & COVID-19: The Epidemic Coverage Endorsement Explained

More Travel Resources »

LATEST COVERAGE ALERTS

The events listed below are considered "known and foreseeable" for travel insurance purposes on the date listed next to the event. Please consult your policy for more information.

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

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

Updated 9:52 a.m. UTC April 11, 2024

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WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. 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.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

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.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing 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.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) 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.

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.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Holiday group Saga's profit forecast weighed down by insurance weakness

WHY IT'S IMPORTANT

Saga, which brought on a new CEO in November, has been struggling with its insurance business. It tried to sell its insurance underwriting arm, but put the sale process on hold shortly after ending talks with Australia's Open Insurance Technologies.

Saga increased prices at its insurance underwriting business in the past 18 months, saying it was now on a "much stronger footing" amid challenging conditions.

However, changes in the insurance broking business, including cutting prices and addressing recent declines in policy sales in motor and home insurance, meant earnings would take a short-term hit.

BY THE NUMBERS

Saga reported an underlying pretax profit of 38.2 million pounds ($47.6 million) for the year ended Jan. 31, more than double from a year earlier. Revenue jumped 12% to 741.1 million pounds.

Bookings for the company's Ocean Cruise unit remain strong, Saga said, having secured a load factor of 78% for 2024/25, higher than the same time last year. Travel bookings were also ahead.

"While our insurance business continued to be hindered by challenging conditions, with inflationary headwinds impacting policy volumes and margins, particularly for our three-year fixed-price policies, we are taking the necessary actions to reposition the business," CEO Mike Hazell said.

"Ocean Cruise had an outstanding year and, as a result, we far exceeded our initial earnings targets, while River Cruise and Travel both returned to profit for the first time since the pandemic."

MARKET REACTION

Saga shares opened lower and hit their lowest since October, before reversing course to be up about 3% by 0709 GMT.

($1 = 0.8030 pounds)