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Reviews 3.4.

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Had to cancel hols due to coronavirus…

Had to cancel hols due to coronavirus restrictions and Fit2travel charged me 50% ,furthermore to add insult to injury they charged me £15 admin fee.They maybe legally right but with all that is happening I thought they might have a heart but alas NO would not reccomend them to ANYBODY at all. Heartless !!

Date of experience : 19 March 2020

Reply from Fit2travel

Thank you for taking the time to share your feedback with us. We are very sorry to hear you were unhappy with the experience you have received on this occasion. The Fit2 Travel Team

Avoid Fit2travel ( tifgroup) at all costs

Avoid Fit2travel at all costs. Avoid any company that is a branded face for tifgroup (which Fit2travel are). They are the worst type of travel insurer who put all their efforts into not paying out. I took out backpacking insurance for my daughter who needed to return to UK early due to COVID. They are refusing to cover any part of this curtailment cost despite my daughter having no option but to follow FCO guidance, otherwise the insurance policy would have been void. JUST AVOID THEM !! ( If in doubt, google tifgroup and FCO and see what heartbreaking situations they have contributed to)

Date of experience : 22 July 2020

Good morning,  Thank you for the feedback you have provided, which is valued and appreciated. We are very sorry to hear that you have had a negative experience on this occasion. The Fit 2 Travel Team

Don't waste your money on these guys

Sure they're cheap but their policies are not worth the paper they are written on. There are so many exclusions that I cannot see any circumstances where they actually DO payout. Anyone (like me) who took out a policy long BEFORE the Covid-19 pandemic hit is going to be bitterly disappointed when they try to claim anything back. My recommendation is that you carefully read through the exclusions and smallprint of any travel insurance you take out in the future. Fit2travel have been very careful to exclude practically everything. Will never use again.

Date of experience : 05 April 2020

NOT THERE WHEN NEEDED

Tried calling them 30 or more times urgently whilst in Dubai to register a claim as holiday cut short and awful situation. I could not get through, tried them again when finally arrived back and still cannot get through to their offices.... I wish I had read these reviews prior to buying a policy... they are bad news!

Date of experience : 03 April 2020

worst travel insurance policy

I booked a platinum insurance family package as me and my husband was worried about the corona virus. we booked thinking it was good value for money and thought we was covered for cancelations relating to corona virus. This wasnt true they dont cover your holiday even if FCO advise you not to travel. so we had to cancel the policy and was only refunded half the money back. PLEASE DONT BOTHER WASTE OF MONEY....

Date of experience : 13 March 2020

Fit2travel don't recommend to anyone

Fit2travel don't recommend to anyone. All they care is to get your money. I needed to cancel my holiday because of death in the family, my sister suddenly died, sent them dead certificate and they still don't want to do refund. They don't care if someone died or not all they care is money to get from you. Disgusting insurance company. Even in case of death they don't do refunds what to expect for some other reasons? Rubbish, Disgusting people.

Date of experience : 22 September 2020

Thank you Mr Stoymilov for taking the time to provide us with feedback regarding your recent experience. To enable us to look into this matter further for you, please could you provide us with your policy number. Our email address is: [email protected] The Fit2 Travel Team

I fully endorse all the reviews for…

I fully endorse all the reviews for this Company. Please don't use them. We are supposed to be flying to USA today and rang them for advice on whether they would pay out if we cancelled. They were very unhelpful and just told us that under no circumstances would they be paying out because of the Covid-19. My husband is diabetic and we wanted to cancel the flight or delay it but couldn't. We have just wasted all our money on buying the Platinum package.

Date of experience : 15 March 2020

Total con! I lost my diamond earring while on holiday, I put a claim through, with all the supporting documentation, 4 months later they came back and said that they will pay £400 of the £525 I was claiming. I phoned to ask why as my paperwork from them says that I am covered up to £3000 for personal possessions, I was then told that the limit for jewellery is £400. Apparently this is stated in the terms and conditions which I never received. Surely jewellery is the most expensive item people will take with them on holiday???

Date of experience : 14 January 2020

Good Afternoon, Thank you for taking the time to share your feedback with us. We are sorry to hear that you are unhappy with the product you have purchased and your experience when dealing with the claims team. In order for us to log your complaint and investigate this matter further please can you provide some additional information? If possible can you confirm your policy reference number, or the first line of your address and postcode? This information can be emailed to [email protected]. Many thanks, The Fit 2 Travel team.

Another sap thinking their top level…

Another sap thinking their top level insurance would cover cancellations of flights. Policy isn't worth the paper it's written on!! Avoid these rip off merchants at all costs!!!

Date of experience : 17 March 2020

Awful customer service

We used this insurance on a trip to the USA and it has been terrible. Our connecting flight was cancelled and we were left stranded with the airline taking no responsibility due to the cancellation being caused by bad weather. We checked the cancellation policy on our insurance before booking an airport hotel for the night and everything looked straight forward. However, after submitting the receipt for the hotel and having gone back and forth explaining the situation repeatedly for months it turns out connecting flights are not covered. At all. So if you have any issues with a connection you are on your own entirely. You are not covered for anything. Awful customer service has also made this situation doubly frustrating. We will never be using this company again!

Date of experience : 23 August 2019

I say AVOID - firm currently dealing with my complaint

Do not use this travel insurance company, they are absolutely terrible. I have a valid claim and they are being difficult and refusing to pay out!!! its only when you make a claim you realise what an insurance company is like and I have certainly realised what this one is like...AVOID. Firm are currently dealing with my complaint so will see what the outcome is. Antony

Date of experience : 25 September 2019

Shocking company!

Shocking company!! DO NOT USE!! I wish I read the reviews 1st. Refuse to pay out over cancellation even though it clearly states that I'm covered upto the value of £2500 for cancellations. I've made a complaint to the financial ombudsman

Date of experience : 01 March 2021

Thank you for taking the time to leave us your feedback Mr McMullan, We are very sorry to hear that you are unhappy with your policies cover. Our policies do provide cover for the cancellation of your trip, as a result of the reasons listed within your policy wording, in the event you are unable to travel. It is of course very important to us that our customers understand the cover they are purchasing, and in what scenarios a claim can be submitted. The policy wording is made available to you prior to purchase as well as being sent to you once your sale is complete. As always we offer a 14-day cooling off period to allow for time to review the documents to ensure you are happy with this cover. We are very sorry to hear that on this occasion you found the terms of your policy unclear, and that the policy's cover did not meet your expectations. As with all insurers we do not provide cover for every eventuality, and for this reason we clearly define each section of cover and confirm all of the scenarios in which you can make a claim. Our call centre team are available every weekday via chat, phone and email should you have any questions about your cover, and we are always happy to discuss the particulars of your policy. Should you wish you may raise this issue directly with the claims team, who you can email at: [email protected] Thank you again for taking the time to provide us with your feedback. The Fit 2 Travel team

I will never use this company again

Bought holiday insurance with this company, holiday cancelled by travel agent due to covid19, ( so cancellation not down to us ); but Fit2Travel will only refund 50%of our money and it will cost us £15 to get that back ! And they are not willing to transfer it to a holiday next year. I will NOT use this company again.

Date of experience : 12 June 2020

Thank you for taking the time to leave us your feedback. To allow us to look into this further please could you provide your policy reference number? Please also feel free to email [email protected]. Many thanks, The Fit 2 Travel Team

Do not use this company. I paid £52 for travel insurance to cover a 4 day break, starting the 30th of March. When I asked if I could change the date on the policy to October they said no, which I understood. I then asked for a refund, and was offered £11 back as I’m “cancelling the policy“. After getting patronised by two members of staff I was finally offered £36 back as they advised they would be taking a £15 admin charge. I have asked for a breakdown of what this £15 includes, as no admin has taken place, two weeks later and I’m still waiting for a reply. How disappointing that a company is trying to profit off people during a pandemic.

Date of experience : 28 March 2020

Read the policy wording carefully!

I don’t normally write reviews but feel I should do so on this occasion to forewarn others to read insurance policy documents very carefully. We are due to go to Italy in September (booked in January this year). We’ve used Fit2Travel a number of times because of pre-existing medical conditions but recent events have caused me to look at the policy wording more carefully. Coronavirus aside, it’s just as well we’ve never had to make a claim as there are so many exclusions I doubt the previous policies would have paid out. I was quite shocked to see that we’re not even covered if the FCO advice is not to travel to a certain country. I shall certainly pay more attention in future and definitely won’t be using Fit2Travel, nor will I ever recommend them to anyone else.

Date of experience : 26 July 2020

Thank you for taking the time to provide to us with feedback regarding your recent experience. We are sorry to hear that you were unhappy that the policy would not provide cover if travelling against FCO advice. However non essential travel is not normally covered under travel insurance when the FCO advice is not to travel. The Fit2 Travel Team

AVOID ! fit2travel.co.uk

My suggestion on this insurance company is AVOID Fit2travel.co.uk!!!! We bought this cover for 45 days for my family fully comprehensive. On holiday my son had an accident (hips dislocated) I called to UK customer services more than 20 times to call me on foreign Hotel number but they never tried to call back… after all I couldn’t wait and called again why there is no responds on my calls … (the customer service officer calmly saying we tried to call to your hotel but there was no-answer (your number doesn’t exist …!?) Hotel receptionist was trying to connect me but they didn’t respond! After all three hours of waiting help from insurance company we had to go to Hospital. This insurance company absolutely scum! On arrival to UK we haven’t even apply to reimbursement hospital charges because we would told off anyway! Absolutely shocking

Date of experience : 21 September 2019

Fit2 travel insurance crooks

If I was able to give minus 10 then that would be my score, fit2 travel under writers BOOKSURE ,Are crooks why take out insurance that is not worth the paper it is written on. please don’t take out insurance with either of the above, as I have found out and am now out of pocket.

Date of experience : 08 April 2020

Just don't bother wasting your money

Just don't bother wasting your money, the premium insurance really isn't. I personally feel ripped off and would recommend reading the small print very carefully before you purchase, as you will find that your not really covered for anything.

Date of experience : 10 August 2020

Good Morning, Thank you for taking the time to provide us with this valuable feedback. In order for us to look into this further please could you provide us with your policy number, and further details regarding your concerns to [email protected] The Fit 2 Travel team

DO NOT USE THIS COMPANY !!

DO NOT USE THIS COMPANY !!! YOU WILL NOT BE COVERED !!! The only way that you can receive payment for cancelled holidays (Even by the FCO or WHO) is if a close relative dies. And even then it has to be something as "common" as instantaneous death because god forbid they have an underlying health condition that has caused the death they still will not pay out !!! Once again for those in the back who didn't hear the first time ... DO NOT USE THIS COMPANY !!! YOU WILL NOT BE COVERED !!!

Date of experience : 18 March 2020

A disgrace, will never use again

A disgrace, cancelled due to the lockdown, messaged & got no response m, phoned no answer. Then a reply email had can cancel on the portal so i did & they charged me £15 admin. Their reply below. ————— Good morning Jamie, Thank you for your response. We have looked into your query and can confirm that we did not put through your refund manually. Although we received your email on the 24th of March, which is inside the cooling off period, we can see that the cancellation was done online by yourself on the 28th of March, which is outside of it. For this reason, this is why we believe you have not received a full refund. The £15 administration fee has been deducted from your total amount.

Date of experience : 31 March 2020

The best travel insurance policies and providers

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

• You purchase the plan within 15 days of your initial trip payment.
• The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
• You must be medically able to travel when you purchase your plan.

Standout features

• The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
• You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
• Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

• You purchased the policy within 14 days of the date of the first trip payment or deposit.
• You were a U.S. resident when you purchased the policy.
• You were medically able to travel when you purchased the policy.
• On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
• Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
• Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
• For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

• You must be medically able to travel at the time you pay the policy premium.
• You pay the policy premium within 14 days of making the first covered trip deposit.
• Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
• Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
• American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

• GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
• GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

• Some annual multi-trip plans are modestly priced.
• iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

• You purchase the plan within 15 days of the initial trip payment.
• The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
• All insured individuals are medically able to travel when they pay the plan cost.
• The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
• Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
• Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
• For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

• You buy this plan within 20 days of making your initial trip payment or deposit.
• You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
• You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
• Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
• You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
• Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

• World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
• World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

• Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
• Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
• Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
• Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
• Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
• Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
• Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
• Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

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Fit2Travel Travel Insurance Review: Travelling with Pre-Existing Conditions?

• Specializes in pre-existing medical conditions
• Medical repatriation
• Competitive prices
• End supplier failure cover
• Extra cover for mobility equipment
• No gadget cover for mobile phones, etc. unless you buy an add on
• Relatively poor Covid-19 cover

Editor's Rating

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here .

Fit2Travel is one of the UK's travel insurance providers specializing in pre-existing medical conditions . As a specialist, Fit2Travel considers all medical issues including cancer or cardiovascular conditions. With the easy-to-use online quote system you'll quickly know if Fit2Travel can provide cover for your situation and, if so, how much it will cost.

Compare travel insurance quotes from 20 brands by clicking the blue " Get Quotes " button below.

Compare Cheap Travel Insurance

Protect your holiday today. Quick quotes from 20 insurers including Fit2Travel.

In This Review

• Fit2Travel Travel Insurance Price Comparison
• Fit2Travel Travel Insurance Customer Reviews
• Fit2Travel Travel Insurance Notable Features
• Fit2Travel Travel Insurance Policy Limits and Coverage Options

How does Fit2Travel Compare to Competitors?

• Fit2Travel Policy Wording and Claims

If you want a few more features such as post-surgery aftercare once you return to the UK, you might want to also consider Free Spirit or goodtogoinsurance.com .

Fit2Travel Travel Insurance Review: What You Need to Know

As a specialist travel insurance provider for those with pre-existing conditions, Fit2Travel may be able to provide the cover you need even if you've suffered from a serious medical condition. Even if other travel insurance providers won't offer cover due to your individual medical situation, Fit2Travel may be more able to do so.

While Fit2Travel prices are typically competitive, nonetheless it's always wise to check prices with a number of providers before making a purchase.

We should point out one somewhat recent—and positive—change to their cover. Fit2Travel used to offer scheduled airline failure cover. They've taken this out, but have added in its place cover for end supplier failure (for gold and platinum cover). Read about the differences in depth here —but in essence, the cover is now better. Why? Scheduled airline failure cover only covers if your airline goes bust. But end supplier failure can cover airlines or other providers like accommodation. Also, the amount of cover has increased from Fit2Travel (e.g. from £1,500 of scheduled airline failure cover to £5,000 of end supplier failure for platinum plans).

Pre-Existing Conditions: Fit2Travel will consider cover for all pre-existing medical conditions on all policies. In fact, Fit2Travel is accustomed to providing cover for those with multiple medical conditions, and a number of conditions are included as standard without an extra premium required. To get a quote and buy a policy, through Fit2Travel's online screening process you'll be asked a series of questions to assess your situation.

When applying online, you'll be walked through Fit2Travel's easy-to-use online screening to get instant quotes straight away, and instant confirmation that the conditions you entered are indeed covered. It just takes a few minutes and the questions are quite clear. You'll find out immediately if Fit2Travel can offer you cover and at what price. Many conditions are included as standard (without you needing to pay an extra premium).

Over 65s: The upper age limit for travellers on Fit2Travel annual multi-trip policies is under 75 years of age at the start of the policy; the upper age limit on Single Trip policies is 85 years of age.

Gadget cover: There's no gadget cover as standard, even on the highest tier of cover. If you want cover for devices like mobiles phones, e-readers, laptops and tablets, you can buy the optional gadget extension—but this is limited to £1,000 of cover, which may be less than you need and is less than what's offered by some competitors like CoverForYou , which offers £1,000, £2,000 or £3,000 of total gadget cover.

Mobility equipment: If your mobility equipment is delayed, lost, stolen or accidentally damage, you'll get up to £1,000 on gold and platinum plans.

Covid-19 cover: Unfortunately, the cover for coronavirus-related claims is less robust than come competitors. You can read more in their policy documents (they don't seem to have Covid information readily available on their website, unfortunately), but here is a brief overview.

You are covered in case of Covid-19 for:

• if you're denied boarding on inbound journey (up to £40/24 hrs, max £560, for accommodation and money for alternative transport, £300 from Europe and £500 elsewhere)
• if you have to cancel or cut a trip short because you, or anyone insured on the policy, became ill with Covid-19

But you're not covered if:

• you went against FCDO, government, local authority or medical advice relating to any infectious disease including COVID-19
• you have to cancel or cut a trip short because a travel companion, a family member, a close business colleague, or the person you were going to stay with became ill with Covid-19
• you chose or were recommended to quarantine or isolate as a result of exposure to an infectious disease including Covid-19
• due to FCDO, government or local authority advice relating to any infectious disease including Covid-19

Change to policy wordings: In October 2023 Fit2Travel updated their policy wordings, and the biggest change related to language around alcohol consumption. Where last year the language referred to "excessive alcohol consumption" or "alcohol abuse" they now use the term "alcohol misuse". This comes into play because they won't pay claims related to alcohol misuse—which they define as drinking enough alcohol that a. your decision making is seriously affected or b. you suffer injury or illness from either long-term alcohol abuse or an individual drinking session. It seems that the new term of "misuse" might apply to more situations, so just an FYI.

Bottom Line: Expect Fit2Travel quotes to be competitive, hopefully allowing you to travel even if you've suffered from a serious medical condition. And policies include repatriation for you and a companion, should it be medically necessary. But, and this is a big BUT, their cover for Covid-19 could be better. Something to keep in mind...

How do Fit2Travel Prices Compare?

Overall, we found that Fit2Travel prices for travel insurance with pre-existing medical conditions are very competitive relative to other medical-specialist travel insurers. When compared to Free Spirit and GoodToGo, Fit2Travel's prices were cheaper for most medical conditions for our sample holidaymakers. For example, Fit2Go came in cheaper for those with high blood pressure & cholesterol (on one medication), anxiety & depression (on one medication), breast cancer (spread to one lymph node, 3 to 5 years ago), asthma with chronic airway obstruction.

However, Fit2Go was not always cheaper—for those with a heart attack and stent needing cover for a worldwide trip, Free Spirit provided cheaper travel insurance cover. We tested single trip travel to both EuropeAmerica .

Insurance quotes can vary significantly from day to day and according to each individual's details, so please just use this following data for general educational purposes only about the travel insurance market; your quotes may reflect a large degree of variation.

Fit2Travel Customer Reviews

There aren't very many customer reviews online, but all of the ones we could find are negative. A few of the complaints are related to policy terms such as the excess being payable per person or a limit on jewellery. Other negative comments are more worrisome. Here is a selection from Trustpilot , where 14 customers have left reviews averaging just 1.9 out of 5 stars:

"... hospitalised by a heart attack and told he needs a pacemaker fitting and this company have left them in limbo for over a month with no decision as to what can be done..." "Our claim was for £460 and we got £60 as they charge £200 per person per claim." "... because ferrys are not classed as public transport we couldn't claim for anything and also told we were only insured for our outbound journey and not back to the UK..." "Our connecting flight was cancelled and we were left stranded with the airline taking no responsibility due to the cancellation being caused by bad weather... it turns out connecting flights are not covered. At all."

Fit2Travel Standard Features

As with most travel insurance plans, Fit2Travel includes cover for Emergency Medical, Cancellation and Baggage on all policies, limits for which can be found below in the Policies section. For more complete details like inner limits and exclusions, please see the policy documents .

Fit2Travel Optional Extra Coverages

Fit2Travel offers extra coverage for trips that may not be otherwise covered by traditional travel insurance. For instance, travellers can buy cover for a cruise, golf trip, winter sports, wedding, and even fishing trips.

Be aware that costs of private treatment aren't covered unless Fit2Travel's 24-hour Emergency Assistance Facilities service has agreed and adequate public facilities are not available. You can reach Fit2Travel's 24 hour Emergency Medical Assistance Facilities at +44 (0) 1243 621 501. You may need to pay the policy excess locally and ask the hospital to send the rest of their bills to Travel Claims Facilities at: CEGA Claims Service, PO Box 127, Chichester, West Sussex, PO18 7WQ.

Fit2Travel Travel Insurance Cover Plans & Limits

Travellers can choose between the Silver, Gold and Platinum Fit2Travel plans, depending on the level of cover they need. For instance, those with holidays worth around £5,000 would opt for the Platinum plan, whereas those only needing £1,000 to cover non-refundable travel and accommodation expenses might find the Silver plan to be sufficient.

To better understand the value of Fit2Travel travel insurance you need to look at it in the context of other available options. We compared it to other plans in the market so you can see which may be more suitable for you.

Fit2Travel vs Free Spirit Travel Insurance

Another medical-specialist for those travelling with health conditions, Free Spirit offers a host of optional extras like aftercare following hospitalisation abroad, which covers home help, cosmetic surgery, dental treatment, physiotherapy and UK convalescence. Prices are typically close to average, although can vary depending on the condition.

Bottom Line: Free Spirit provides robust aftercare once you return home to the UK (e.g., physiotherapy, cosmetic surgery, etc.), but Fit2Travel stands out for lower prices in most cases. If price is a priority, Free Spirit is likely to be cheaper (but we recommend checking both to be sure).

Fit2Travel Travel Insurance vs goodtogoinsurance.com Travel Insurance

Another medical-specialist for those travelling with health issues, goodtogoinsurance.com offers a host of optional extras like 24/7 Virtual Doctor to speak with a UK doctor for advice whilst abroad and Gadget cover. All plans include financial failure and repatriation, plus home help and a recuperation holiday post emergency surgery abroad if you stayed in hospital for 5 days.

Bottom Line: goodtogoinsurance.com provides lots of extra perks like an optional 24/7 Virtual Doctor, aftercare once you return home to the UK (e.g., home help) and recuperation holidays, but Fit2Travel stands out for cheaper prices. If price is a priority, you might find a cheaper rate from Fit2Travel but, as always, check prices from both before deciding.

Other Useful Information

• Fit2Travel Policy Wordings

Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn .

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Advertiser Disclosure : NimbleFins is authorised and regulated by the Financial Conduct Authority (FCA), FCA FRN 797621. NimbleFins is a research and data-driven personal finance site. Reviews that appear on this site are based on our own analysis and opinion, with a focus on product features and prices, not service. Some offers that appear on this website are from companies from which NimbleFins receives compensation. This compensation may impact how and where offers appear on this site (for example, the order in which they appear). For more information please see our Advertiser Disclosure . The site may not review or include all companies or all available products. While we use our best endeavours to be comprehensive and up to date with product info, prices and terms may change after we publish, so always check details with the provider. Consumers should ensure they undertake their own due diligence before entering into any agreement.

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9 Best Travel Insurance Companies of April 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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The Ultimate Guide to Buying the Best Travel Insurance [For You]

Christine Krzyszton

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Situations Where Travel Insurance Can Help

Covering your major concerns, when to buy travel insurance, credit cards, employer-sponsored health insurance, club memberships, medicare supplements and advantage plans, travel insurance comparison tools/websites, world nomads — best for comprehensive coverage and adventure activities (recommended), travelex /berkshire hathaway travel insurance — family protection for children at no extra cost, geoblue — affordable annual medical travel insurance, usaa — travel insurance for military and families, allianz — affordable annual travel insurance, expedia — an impulse buy you can prepare for, other travel insurance companies, single trip policies, multiple trip or multi-destination policies, annual policies, travel insurance for seniors, special needs and travel insurance for those with disabilities, group travel insurance, pet travel insurance, final thoughts.

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Whether you’re traveling with family or solo, on an epic adventure or a weekend getaway , travel insurance can go a long way toward providing peace of mind during your trip. And if things should go wrong, you’ll find consolation in being financially covered.

With all that’s at stake, you’ve probably given serious thought to purchasing travel insurance just like I have. There have certainly been times when I’ve needed it, including severe flight delays, a parasailing accident in Mexico, and when my luggage took a trip of its own!

Unfortunately, it’s also easy to become overwhelmed with the vast selection of travel insurance options available. We’ve created this guide to help you sort through the confusion and demystify the process.

In this article, we’ll cover all the information you need to:

• Determine the type of coverage you need
• Find out if you currently have any travel coverage
• Narrow your options to just a few policies that fit
• Select a reputable travel insurance company

Let’s get started with helping you find the best travel insurance policy for your situation.

Why You Need Travel Insurance

If you travel frequently, you’ve probably experienced an event where travel insurance would have helped.

Whether it was a severely delayed flight, illness abroad, stolen possessions, or a canceled trip due to an unforeseen event — travel insurance could have made the situation better.

Travel Insurance can cover a variety of situations. Here is just a sampling of those you can easily purchase coverage for:

• You have an accident and need medical evacuation to a nearby hospital: According to travel insurance company Allianz, the estimated cost of medical evacuation ranges from $15,000-$20,000 in Mexico to over $200,000 in Asia, Australia, and the Middle East.
• You miss your cruise because your flight is severely delayed or canceled: Catching up with your cruise once it has departed can be costly!
• You can’t take a planned trip due to illness: The entire cost of your trip and any pre-paid arrangements could be at risk if you become ill and unable to travel. Coverage is even available when travel companions become ill and you must forego your trip.
• You become ill while abroad: The cost of medical attention abroad can be expensive, and it can result in increased costs to rearrange your itinerary.
• Your baggage is lost or delayed: After your bags have been delayed a minimum amount of time, usually 12-24 hours, coverage kicks in and provides money for essentials.

Bottom Line: It’s prudent to buy travel insurance for expensive trips. You may go several years without using the coverage you’ve purchased, but one incident could cause you to incur thousands of dollars in expenses, far exceeding the cost of insuring multiple trips. 

If money is no object, you can purchase a lot of travel insurance to make sure you’re covered for nearly every situation you’ll encounter. In reality, you’ll probably want to balance cost with the coverages that are most important to you.

For some travelers, their greatest concern is the huge cost of an emergency medical evacuation. For others it can be the risk of getting ill and not being able to travel on a trip they’ve paid thousands of dollars for already.

But don’t fret: there’s a travel insurance plan for just about any travel concern that can cost you money if things go wrong.

Here are some of the plan types available:

• Emergency Medical Evacuation: Pays to get you to the nearest hospital, even in remote areas
• Travel Medical Insurance : Provides medical care if you get sick or injured while traveling
• Annual Travel Insurance: Covers you for multiple trips taken throughout the year
• Comprehensive Package Travel Insurance: Conveniently groups many travel insurance coverages together in one policy
• Cancel for Any Reason Rider ( CFAR ): When certain conditions are met, this coverage lets you cancel your trip for any reason and receive reimbursement
• Policies that Cover Families: Comprehensive travel policies that cover all family members/domestic partners before and during your trip.

Most travel insurance policies can be purchased up until the day of your departure. However, some policies contain pre-departure benefits, so you’ll want to buy your policy as soon as possible.

For example, you may have coverage that covers you getting ill and not being able to take your trip.

The general advice is to buy your policy when you make your first payment on the trip.

Since policies can be priced according to how much your total trip costs, you can take out the insurance based on what you’ve already paid and call the company to raise the amount of the policy once you’ve made additional payments.

Read our guide to find out more on when to buy travel insurance .

Hot Tip:  Travel insurance policies include a free-look period, where you can review your policy once you’ve received it and decide if it’s right for you. This free-look period is usually 10-15 days depending on the company and type of policy. 

You May Already Have Coverage — Here’s Where to Look

Before you purchase a travel insurance policy, you should check these 4 places where you may have some current coverage.

You may find that you have a credit card with travel insurance , with your employer-sponsored health plan, with club/organization memberships, and on Medicare gap policies.

It is helpful to know which types of coverage you currently have so you can select a comprehensive travel insurance policy without paying extra for duplicate coverage.

Credit cards commonly carry travel insurance benefits, but whether they’re included and the level of coverage provided will vary depending on which card you carry.

Let’s take a look at some of the most popular credit card issuers and the types of travel insurance/protection they provide.

American Express offers several travel insurance benefits on their cards.

• Car Rental Loss and Damage Insurance: Secondary coverage is included on various American Express cards . Primary Car Rental Protection is available to purchase for one low fee that covers the entire rental period.
• Travel Accident Insurance: Limits of $250,000-$500,000 depending on the card.
• Baggage Insurance: Provides coverage for lost, stolen, or damaged checked or carry on baggage. Included on various American Express cards. 
• The Global Assist Hotline: Included on various American Express cards . Premium cards such as the Platinum Card ® from American Express and Business Platinum Card ®  from American Express  include premium versions of the Global Assist Hotline that provide support before, during, and after your trip.
• Roadside Assistance: While Amex has removed roadside assistance from many of its cards, there are still several Amex cards with the coverage. Coverage includes assistance with jump starts, gas, towing, and lockout.

Chase is another major card issuer that includes various travel insurance coverages on their credit cards.

Citi credit cards have recently had several travel benefits removed,  similar to other credit card issuers. Your exact coverage benefits will depend on which Citi card you have. To learn the details of Citi’s credit card travel protections, you can access Citi’s credit card guide to benefits  here .

Hot Tip: To receive coverage from any credit card, you must meet the purchase requirements. Some credit cards require you to charge the entire purchase, while some grant coverage if you pay for just a portion of the purchase with your card. You may also be able to receive coverage by using points for your purchase.

Requirements vary, but you can call the number on the back of your credit card for questions on coverage specific to the card you’re using.

See our article for information on additional credit card travel insurance coverage .

Bottom Line: Credit cards may offer incidental travel protections and benefits, but they should not be considered a replacement for a comprehensive travel insurance policy. 

You’ll first want to check your current health insurance policy to see if it might cover you while traveling. Many do not extend health insurance benefits while traveling, but there may be ancillary travel insurance coverages included in your policy.

For example, some employer-sponsored health insurance plans contain travel insurance coverage that can be quite significant. Unum is one of the most common group insurance companies offering employers travel insurance for their employees through Assist America .

The employee is provided a 24/7 phone number that can be called for immediate assistance when traveling more than 100 miles from home.

Here is a sample of coverage provided:

• Hospital admission assistance
• Emergency medical evacuation
• Prescription replacement assistance
• Transportation for a friend or family member to join a hospitalized patient
• Care and transport of unattended minor children
• Referrals to Western-trained, English-speaking medical providers
• Legal and interpreter referrals
• Passport replacement assistance

There is no charge for any of these services when the coverage is included on an employer-sponsored healthcare plan, so you’ll want to check your current employer-sponsored health plan to see if you have this coverage.

If you’re a member of any club or organization, you’ll want to ask about travel insurance benefits.

Here are just a few clubs where membership includes various types of travel insurance benefits.

Divers Alert Network — Membership is $35/year for singles, $55/year for families

• DAN members receive $100,000 of emergency medical evacuation assistance coverage . Evacuation is covered for diving and non-diving medical emergencies when you are more than 50 miles from home.
• Membership also includes TravelAssist , a 24/7 access to prescription assistance, medical monitoring, emergency messaging, and much more.

American Alpine Club — Membership is $80 per year and includes search and rescue insurance. The insurance applies to any land-based activity.

• Up to $7,500 of Global Rescue Trailhead Rescue Services (available worldwide)
• Up to $5,000 of Domestic Rescue Benefits (available in the U.S. only)

Gold Wing Road Riders Association  ($55/year) and the American Motorcycle Association ($49/year)

• Members receive FREE emergency roadside assistance and 24/7 towing up to 35 miles per disablement for their motorcycle or any motorcycle they are riding, even as a passenger.
• Gold Wing Coverage is limited to motorcycles; American Motorcycle Association members receive coverage for motorcycles, cars, trucks, trailers and RVs.

Family Motor Coach Association — Membership costs $60/year and includes discounted worldwide travel assistance insurance plus several other travel benefits.

Hot Tip: Club memberships can include travel insurance coverage at no additional cost or at a discounted price. Checking your current memberships and seeking out organizations you can join for cost-effective coverage may result in travel insurance coverage you can use.

With rare exceptions, Medicare does not extend coverage to another country outside the United States. However, some supplement and advantage insurance plans do include coverage when traveling.

These supplemental policies, called Medigap plans, pay 80% of medical emergency care outside the U.S. after a $250 deductible. The expense must not be covered by Medicare, and it must be incurred within the first 60 days of your travel. There is also a lifetime limit of $50,000.

Medigap plans C, D, F, G, H, I, J, M, and N contain this coverage. Visit Medicare.gov for a complete explanation of the coverage and information on out-of-country coverage for Medicare Advantage plans.

Remember, these are plans that you purchase in addition to your base Medicare Plans A and B. Medicare does not cover you out of the country except in rare circumstances detailed here .

Bottom Line:  It’s important to know the travel insurance coverages you have currently, as you may save money not duplicating those coverages when purchasing a travel insurance policy. You’ll also want to be able to take advantage of and use these existing coverages if you experience a covered event. 

Where to Buy Travel Insurance

All insurance companies are rated based on their financial stability; A.M. Best is the oldest, most recognized provider of ratings in the global insurance industry. We’ll include only those companies with excellent or above ratings.

Before we discuss specific travel insurance companies, however, we’ll cover a few great travel insurance comparison sites that can help narrow your choices before selecting a specific company and travel insurance policy.

Purchasing travel insurance is a balancing act between getting the coverage you need without spending above your budget . That’s why comparison sites can ease the pain of searching hundreds of policies and dozens of companies individually.

Another benefit of using these sites is that your information is entered just once, and their search engines will quickly find the best fit for your budget and coverage requirements.

Here are 3 comparison sites to help you get started:

1. Travelinsurance.com (recommended)

• Easy-to-use online comparison tool
• Instant coverage
• Best price guarantee; this means you won’t find a lower price anywhere else for a plan that’s found on TravelInsurance.com.

2. Squaremouth

• Award-winning customer service team
• 20 travel insurance companies and 116 different policies
• Over 60,000 customer reviews

3. InsureMyTrip

• Licensed agents to help you with questions and claims
• 21 providers; both large and boutique highly-rated companies
• Glossary and articles explaining coverage and plans

Once you’ve completed a few easy comparisons, you’ll have an idea of the type of policy you want, a range of costs, and what options are available.

You’ll find most of the major travel insurance providers on these comparison sites, but not all carriers participate.

Hot Tip:  Don’t miss our dedicated article on the Best Travel Insurance Companies For All Travelers !

Let’s take a look at some specific travel insurance providers you’ll want to consider:

Included in the top 10 travel insurance companies by  Consumer Advocate , World Nomads offers a comprehensive portfolio of travel insurance products including medical/evacuation insurance, 24-hour emergency assistance, trip delay/cancellation, and coverage for a long list of adventure activities.

There are several reasons to purchase travel insurance with World Nomads.

• Backed by established, reputable, highly-rated companies such as AIG Insurance Company , Lloyds, and Nationwide Mutual Insurance Company
• Understand world travel and the associated risks
• Single-trip, multiple-trip, and annual policies are available
• Good for active travelers, as most activities/sports are covered
• Plans include standard to comprehensive coverages
• Ability to purchase or extend coverage while traveling
• Available for travelers through age 69

Sample Pricing

Click to get a quote with World Nomads >>

Hot Tip: If you participate in sports and adventure activities when traveling (even dangerous ones), World Nomad’s travel insurance is a perfect fit with over 150 travel activities covered.

The family Travel Select plan covers children 17 and under for no additional cost. This comprehensive plan includes protection for trip interruption/cancellation/delay, medical and evacuation, baggage and personal effects, and travel assistance. For more information check out our Travelex review.

If you currently have health insurance that does not cover you outside of the United States, you’ll find GeoBlue an affordable option for medical coverage while you’re traveling.

Their Trekker Choice policy covers unlimited international trips up to 70 days in length for a 12-month policy period. The cost for an annual plan for a 40-year-old was $175 for the Trekker Choice policy, but even less expensive plans are available!

Active military, their families, and post-military USAA members receive exclusive rates for travel insurance that includes these coverages. Children are included on most plans at no additional cost.

• Lost/delayed baggage
• Trip delays
• Trip interruption/cancellation
• Trip interruption/cancellation due to accident or illness
• Medical expenses
• Interruptions due to weather
• Emergency assistance and evacuation

With nearly a dozen awards so far in 2018, highly-rated Allianz is a trusted company in the travel insurance arena.

I was particularly impressed with their annual travel insurance policy offerings that are surprisingly affordable. The prices listed above are for an annual policy for travelers ages 30-80, and it covers unlimited trips of 45 days or less during the 12-month period.

It’s not just a medical policy either. In the top 2 plans above you’ll find trip cancellation/interruption, change fee coverage, collision damage waiver, and even business equipment coverage.

For coverage details and a specific quote, visit their website .

Expedia is the world’s leading travel provider, so a mention of their  Expedia ® Package Protection plan seems appropriate.

Pricing varies from $49 per person for travel within the continental U.S. to $89 per person for multiple international destinations.

The trip insurance includes trip cancellation/interruption coverage even for bad weather, mechanical failure, or strike. Medical emergencies/transportation and lost/stolen baggage coverage are also included. You can review details and additional coverages here . You may only purchase the package at the time of booking.

Before purchasing the Expedia Package Protection plan, you should price and compare a policy from one of the major providers. You may be able to find more coverage for a lower cost.

The U.S. Department of State publishes a list of travel insurance companies that provide coverage overseas; you can access it here .

Hot Tip:  Some travel insurance policies require you to be outside the United States for coverage, but others will cover you as few as 50 miles from home. Since travel insurance is widely available (and in many cases affordable), it may make sense to purchase a policy for medical and other valuable coverage even if you’re traveling domestically. 

Single/Multiple Trip Policies vs. Annual Policy: Which Is Better?

• If you take 1 major trip annually, purchasing a single trip policy is the way to go. If it’s a trip you put together yourself, utilizing one of the providers mentioned in this article to purchase an individual travel insurance policy can be a simple solution and cover your trip appropriately.
• If your trip is a packaged tour, there’s nothing wrong with selecting insurance offered by the tour provider, but arm yourself first by doing some research. You’ll want to be sure you’re not overpaying, and that you’re purchasing travel insurance coverages that take care of  your  personal concerns, not just those of the tour provider.
• If you’re taking 2 trips a year, you can purchase a separate policy for each trip. If you’re taking 3 or more trips, you should consider an annual policy.
• If you’re going on an extended trip and visiting several countries (say 3 months in length), companies such as World Nomads can issue a policy that covers your entire trip.
• Taking a year off and traveling the world or just taking frequent international trips? You may want to consider a comprehensive annual travel insurance policy that covers multiple trips.
• Pricing can vary widely, so it’s important to compare prices and select the coverage that’s most important to you.

Hot Tip: The best way to determine if a multiple-trip or annual travel policy is better is to simply price each option, compare coverage, and review any terms/conditions. You may find that insuring 2 or 3 trips could cost as much as an annual trip insurance policy. 

Travel Insurance for Special Situations

In your late 60s, your options for purchasing travel insurance start to diminish (but they don’t disappear!). There are still several travel insurance companies where you can purchase great coverage.

• Allianz and Berkshire Hathaway each allowed me to quote a policy up to age 99
• GeoBlue medical travel insurance covers through age 84
• “Silver Nomads” age 70 and above can purchase coverage with World Nomad partner TripAssure

If a person is healthy enough to travel, they’re usually able to purchase travel insurance from many providers.

Allianz Global Assistance comes highly recommended by Wheelchair Travel.org for travelers with disabilities. Their policy for a 45-year-old traveling on a 2-week trip costing $2,200 quoted between $76-$143 depending on the coverages I selected.

When you have 10 or more travelers in a group, you might consider group travel insurance as an affordable option.

For a group of 10 traveling to Mexico for a 2-week trip that cost $2,200 per person, the lowest quote according to a search on Squaremouth.com was $838, or $83.80 per person.

Coverage per person included:

• Trip cancellation ($2,200)
• Trip interruption ($2,200)
• Good medical coverage ($20,000)
• Good medical evacuation coverage ($100,000)
• Trip delay ($150/day $500 max)
• Baggage delay/personal effects ($700)

If you’re a traveling pet owner, you’ve probably considered insuring your pet during your travels .

While some travel insurance policies include coverage for pets, separate policies for medical/veterinarian care for your pet can also be purchased.

Here are a couple of options for purchasing pet insurance that cover your pet while traveling.

• PetPlan – PetPlan insurance covers your pet in the United States and Canada and costs as little $8/month for $20,000 in annual coverage.
• Travelex Travel Max  – The policy provides $1,000 in emergency medical treatment for your pet. If you are hospitalized while traveling and cannot take care of your pet, the policy will also pay to return your pet back home (up to $10,000).

Insurance is an intangible; we can’t see it or hold it in our hands. Unless you have a claim, you’re simply buying the peace of mind that comes from knowing you’re covered if things go wrong.

Travel insurance is a bit different than home or auto insurance, however — if you travel frequently, you know it’s common to experience delays, illness, lost baggage, and other travel disruptions where travel insurance could be useful.

Insurance is meant to protect you from disaster and major financial setbacks. Insuring yourself against losing money on an expensive trip or having a major medical event when traveling makes sense, especially since travel insurance is widely available and affordable.

Whether you should purchase travel insurance will depend on your risk tolerance level for what you could lose personally if things go wrong during your travels.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

Frequently Asked Questions

How does travel insurance work.

When you plan a trip, you have to pay upfront for expenses such as airfare, hotels, cruises, and other related travel expenses. Travel insurance pays you money if there is a covered event that disrupts your trip.

For example, if you paid for a packaged tour but you became sick and unable to travel, travel insurance could reimburse you the cost of the tour and other covered expenses.

Travel insurance can also cover unexpected expenses you incur when your trip is interrupted due to cancellations, weather delays, or illness.

You can purchases policies that cover a variety of events such as lost/stolen baggage, medical emergencies, trip cancellation, trip delays and medical evacuation.

Can I insure my trip if I used frequent flier miles to purchase it?

Yes, you can. Most trips have extra associated costs even if you’re using frequent flier miles. You may incur taxes, seating upgrades, change fees, non-refundable lodging, and other associated costs.

When you insure your trip, you do not include the value of the frequent flier miles you used to purchase the trip, but any other non-refundable costs can be used to value and insure the trip.

Is travel insurance worth it?

There are several situations where you may not need travel insurance. If you are traveling domestically, purchased a cheap ticket, and have health insurance that will cover you, you probably do not need travel insurance.

Additionally, if you used frequent flier miles for your flight, points for your hotel, and are traveling domestically, you may not need travel insurance.

If you’re traveling internationally and you’ve paid for a lot of non-refundable travel expenses up front, you would want to purchase travel insurance.

This is because your health insurance may not cover you abroad, and you’d want to be protected. You also have significant funds at risk should you become ill and not be able to travel.

How much does travel insurance cost?

You can purchase travel insurance for as little as $25 for just basic coverage. The more coverage you want and the longer the length of coverage, the more it will cost.

Several factors go into determining the premium you will pay: your age, where you’re traveling, where you live, how long you’ll be traveling, which coverage you select, the amount of coverage you want, and which company you purchase the policy from.

Does travel insurance cover terrorism?

Yes, terrorism is covered under trip interruption/cancellation on many travel insurance policies. There can be stipulations for coverage, including that the event must be declared terrorism by local government or by the U.S. Department of State.

Additionally, there may be requirements that there has been no terrorism in the area for a specific period of time (7-30 days prior, for example).  Basically, if there has been ongoing terrorism and you travel there, coverage may be excluded.

Does AAA sell travel insurance?

Yes, AAA sells travel insurance for trips booked through AAA. When you book a trip with their travel agency, you will be offered travel insurance to cover your trip.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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Had to cancel hols due to coronavirus…

Had to cancel hols due to coronavirus restrictions and Fit2travel charged me 50% ,furthermore to add insult to injury they charged me £15 admin fee.They maybe legally right but with all that is happening I thought they might have a heart but alas NO would not reccomend them to ANYBODY at all. Heartless !!

Date of experience : March 19, 2020

Reply from Fit2travel

Thank you for taking the time to share your feedback with us. We are very sorry to hear you were unhappy with the experience you have received on this occasion. The Fit2 Travel Team

Avoid Fit2travel ( tifgroup) at all costs

Avoid Fit2travel at all costs. Avoid any company that is a branded face for tifgroup (which Fit2travel are). They are the worst type of travel insurer who put all their efforts into not paying out. I took out backpacking insurance for my daughter who needed to return to UK early due to COVID. They are refusing to cover any part of this curtailment cost despite my daughter having no option but to follow FCO guidance, otherwise the insurance policy would have been void. JUST AVOID THEM !! ( If in doubt, google tifgroup and FCO and see what heartbreaking situations they have contributed to)

Date of experience : July 22, 2020

Good morning,  Thank you for the feedback you have provided, which is valued and appreciated. We are very sorry to hear that you have had a negative experience on this occasion. The Fit 2 Travel Team

Don't waste your money on these guys

Sure they're cheap but their policies are not worth the paper they are written on. There are so many exclusions that I cannot see any circumstances where they actually DO payout. Anyone (like me) who took out a policy long BEFORE the Covid-19 pandemic hit is going to be bitterly disappointed when they try to claim anything back. My recommendation is that you carefully read through the exclusions and smallprint of any travel insurance you take out in the future. Fit2travel have been very careful to exclude practically everything. Will never use again.

Date of experience : April 05, 2020

NOT THERE WHEN NEEDED

Tried calling them 30 or more times urgently whilst in Dubai to register a claim as holiday cut short and awful situation. I could not get through, tried them again when finally arrived back and still cannot get through to their offices.... I wish I had read these reviews prior to buying a policy... they are bad news!

Date of experience : April 03, 2020

worst travel insurance policy

I booked a platinum insurance family package as me and my husband was worried about the corona virus. we booked thinking it was good value for money and thought we was covered for cancelations relating to corona virus. This wasnt true they dont cover your holiday even if FCO advise you not to travel. so we had to cancel the policy and was only refunded half the money back. PLEASE DONT BOTHER WASTE OF MONEY....

Date of experience : March 13, 2020

Fit2travel don't recommend to anyone

Fit2travel don't recommend to anyone. All they care is to get your money. I needed to cancel my holiday because of death in the family, my sister suddenly died, sent them dead certificate and they still don't want to do refund. They don't care if someone died or not all they care is money to get from you. Disgusting insurance company. Even in case of death they don't do refunds what to expect for some other reasons? Rubbish, Disgusting people.

Date of experience : September 22, 2020

Thank you Mr Stoymilov for taking the time to provide us with feedback regarding your recent experience. To enable us to look into this matter further for you, please could you provide us with your policy number. Our email address is: [email protected] The Fit2 Travel Team

I fully endorse all the reviews for…

I fully endorse all the reviews for this Company. Please don't use them. We are supposed to be flying to USA today and rang them for advice on whether they would pay out if we cancelled. They were very unhelpful and just told us that under no circumstances would they be paying out because of the Covid-19. My husband is diabetic and we wanted to cancel the flight or delay it but couldn't. We have just wasted all our money on buying the Platinum package.

Date of experience : March 15, 2020

Total con! I lost my diamond earring while on holiday, I put a claim through, with all the supporting documentation, 4 months later they came back and said that they will pay £400 of the £525 I was claiming. I phoned to ask why as my paperwork from them says that I am covered up to £3000 for personal possessions, I was then told that the limit for jewellery is £400. Apparently this is stated in the terms and conditions which I never received. Surely jewellery is the most expensive item people will take with them on holiday???

Date of experience : January 14, 2020

Good Afternoon, Thank you for taking the time to share your feedback with us. We are sorry to hear that you are unhappy with the product you have purchased and your experience when dealing with the claims team. In order for us to log your complaint and investigate this matter further please can you provide some additional information? If possible can you confirm your policy reference number, or the first line of your address and postcode? This information can be emailed to [email protected]. Many thanks, The Fit 2 Travel team.

Another sap thinking their top level…

Another sap thinking their top level insurance would cover cancellations of flights. Policy isn't worth the paper it's written on!! Avoid these rip off merchants at all costs!!!

Date of experience : March 17, 2020

Awful customer service

We used this insurance on a trip to the USA and it has been terrible. Our connecting flight was cancelled and we were left stranded with the airline taking no responsibility due to the cancellation being caused by bad weather. We checked the cancellation policy on our insurance before booking an airport hotel for the night and everything looked straight forward. However, after submitting the receipt for the hotel and having gone back and forth explaining the situation repeatedly for months it turns out connecting flights are not covered. At all. So if you have any issues with a connection you are on your own entirely. You are not covered for anything. Awful customer service has also made this situation doubly frustrating. We will never be using this company again!

Date of experience : August 23, 2019

I say AVOID - firm currently dealing with my complaint

Do not use this travel insurance company, they are absolutely terrible. I have a valid claim and they are being difficult and refusing to pay out!!! its only when you make a claim you realise what an insurance company is like and I have certainly realised what this one is like...AVOID. Firm are currently dealing with my complaint so will see what the outcome is. Antony

Date of experience : September 25, 2019

Shocking company!

Shocking company!! DO NOT USE!! I wish I read the reviews 1st. Refuse to pay out over cancellation even though it clearly states that I'm covered upto the value of £2500 for cancellations. I've made a complaint to the financial ombudsman

Date of experience : March 01, 2021

Thank you for taking the time to leave us your feedback Mr McMullan, We are very sorry to hear that you are unhappy with your policies cover. Our policies do provide cover for the cancellation of your trip, as a result of the reasons listed within your policy wording, in the event you are unable to travel. It is of course very important to us that our customers understand the cover they are purchasing, and in what scenarios a claim can be submitted. The policy wording is made available to you prior to purchase as well as being sent to you once your sale is complete. As always we offer a 14-day cooling off period to allow for time to review the documents to ensure you are happy with this cover. We are very sorry to hear that on this occasion you found the terms of your policy unclear, and that the policy's cover did not meet your expectations. As with all insurers we do not provide cover for every eventuality, and for this reason we clearly define each section of cover and confirm all of the scenarios in which you can make a claim. Our call centre team are available every weekday via chat, phone and email should you have any questions about your cover, and we are always happy to discuss the particulars of your policy. Should you wish you may raise this issue directly with the claims team, who you can email at: [email protected] Thank you again for taking the time to provide us with your feedback. The Fit 2 Travel team

I will never use this company again

Bought holiday insurance with this company, holiday cancelled by travel agent due to covid19, ( so cancellation not down to us ); but Fit2Travel will only refund 50%of our money and it will cost us £15 to get that back ! And they are not willing to transfer it to a holiday next year. I will NOT use this company again.

Date of experience : June 12, 2020

Thank you for taking the time to leave us your feedback. To allow us to look into this further please could you provide your policy reference number? Please also feel free to email [email protected]. Many thanks, The Fit 2 Travel Team

Do not use this company. I paid £52 for travel insurance to cover a 4 day break, starting the 30th of March. When I asked if I could change the date on the policy to October they said no, which I understood. I then asked for a refund, and was offered £11 back as I’m “cancelling the policy“. After getting patronised by two members of staff I was finally offered £36 back as they advised they would be taking a £15 admin charge. I have asked for a breakdown of what this £15 includes, as no admin has taken place, two weeks later and I’m still waiting for a reply. How disappointing that a company is trying to profit off people during a pandemic.

Date of experience : March 28, 2020

Read the policy wording carefully!

I don’t normally write reviews but feel I should do so on this occasion to forewarn others to read insurance policy documents very carefully. We are due to go to Italy in September (booked in January this year). We’ve used Fit2Travel a number of times because of pre-existing medical conditions but recent events have caused me to look at the policy wording more carefully. Coronavirus aside, it’s just as well we’ve never had to make a claim as there are so many exclusions I doubt the previous policies would have paid out. I was quite shocked to see that we’re not even covered if the FCO advice is not to travel to a certain country. I shall certainly pay more attention in future and definitely won’t be using Fit2Travel, nor will I ever recommend them to anyone else.

Date of experience : July 26, 2020

Thank you for taking the time to provide to us with feedback regarding your recent experience. We are sorry to hear that you were unhappy that the policy would not provide cover if travelling against FCO advice. However non essential travel is not normally covered under travel insurance when the FCO advice is not to travel. The Fit2 Travel Team

AVOID ! fit2travel.co.uk

My suggestion on this insurance company is AVOID Fit2travel.co.uk!!!! We bought this cover for 45 days for my family fully comprehensive. On holiday my son had an accident (hips dislocated) I called to UK customer services more than 20 times to call me on foreign Hotel number but they never tried to call back… after all I couldn’t wait and called again why there is no responds on my calls … (the customer service officer calmly saying we tried to call to your hotel but there was no-answer (your number doesn’t exist …!?) Hotel receptionist was trying to connect me but they didn’t respond! After all three hours of waiting help from insurance company we had to go to Hospital. This insurance company absolutely scum! On arrival to UK we haven’t even apply to reimbursement hospital charges because we would told off anyway! Absolutely shocking

Date of experience : September 21, 2019

Fit2 travel insurance crooks

If I was able to give minus 10 then that would be my score, fit2 travel under writers BOOKSURE ,Are crooks why take out insurance that is not worth the paper it is written on. please don’t take out insurance with either of the above, as I have found out and am now out of pocket.

Date of experience : April 08, 2020

Just don't bother wasting your money

Just don't bother wasting your money, the premium insurance really isn't. I personally feel ripped off and would recommend reading the small print very carefully before you purchase, as you will find that your not really covered for anything.

Date of experience : August 10, 2020

Good Morning, Thank you for taking the time to provide us with this valuable feedback. In order for us to look into this further please could you provide us with your policy number, and further details regarding your concerns to [email protected] The Fit 2 Travel team

DO NOT USE THIS COMPANY !!

DO NOT USE THIS COMPANY !!! YOU WILL NOT BE COVERED !!! The only way that you can receive payment for cancelled holidays (Even by the FCO or WHO) is if a close relative dies. And even then it has to be something as "common" as instantaneous death because god forbid they have an underlying health condition that has caused the death they still will not pay out !!! Once again for those in the back who didn't hear the first time ... DO NOT USE THIS COMPANY !!! YOU WILL NOT BE COVERED !!!

Date of experience : March 18, 2020

A disgrace, will never use again

A disgrace, cancelled due to the lockdown, messaged & got no response m, phoned no answer. Then a reply email had can cancel on the portal so i did & they charged me £15 admin. Their reply below. ————— Good morning Jamie, Thank you for your response. We have looked into your query and can confirm that we did not put through your refund manually. Although we received your email on the 24th of March, which is inside the cooling off period, we can see that the cancellation was done online by yourself on the 28th of March, which is outside of it. For this reason, this is why we believe you have not received a full refund. The £15 administration fee has been deducted from your total amount.

Date of experience : March 31, 2020

The Best Travel Insurance Companies of 2021

Best overall travel insurance, best for solo travelers.

John Hancock

Best for Tailored Plans

Allianz Global Assistance

Best for Premier Travel Insurance Plans

AXA Travel Insurance

Best for Adventure Sports Coverage

World Nomads

Best Travel Insurance for Groups

APRIL International

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Reviews Report

• Reviews.com rates IMG as the best travel insurance company, earning a 4.75 out of 5.
• The best travel insurance companies have broad areas and limits of coverage and excellent service for the insured.
• Medical coverage and trip cancellation/interruption are must-haves when choosing the best travel insurance company.

Travel insurance is an often overlooked way to protect the investment in your vacation or trip abroad. It covers incidents such as canceling trips, medical evacuation, lost or delayed baggage, and more. However, picking the best travel insurance policy isn’t always easy — especially when COVID-19 has slowed travel and canceled trips outright.

In making our selections for the best travel insurance companies of 2021 we analyzed each company’s travel insurance offerings using a number of criteria like medical coverage limits, available add-on coverage options, and the number of plans to choose from.

The 6 Best Travel Insurance Companies of 2021

• IMG : Best Overall Travel Insurance
• John Hancock : Best Insurance for Travel Cost Reimbursement
• Allianz Global : Best Travel Insurance for Tailored Plans
• AXA : Best for Premier Travel Insurance Plans
• World Nomads Travel Insurance : Best Travel Insurance for Adventure Sports
• APRIL International : Best Travel Insurance for Group Travel

Compare the Best Travel Insurance Companies

Information accurate as of April 2021

Why we chose it

• 4.75 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• NR AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
• $100K–$500K Medical Coverage Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.
• 180 days Trip Length This is the maximum number of days the travel insurance company will cover your trip.
• Plans specifically for seniors available
• Additional add-on coverage available
• High medical coverage
• Number of plans is limited
• Lengthy wait to initiate claim for lost luggage
• Trip cancellation: $50K
• Trip interruption: 150% cost of trip
• Medical coverage: $500K
• Medical evacuation: $1M
• Sports/recreation: $500K
• Travel delay: $500 (Max $125/day)
• iTravelInsured Travel Lite
• iTravelInsured SE
• iTravelInsured LX
• Senior plan
• 4.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
• $50K–$250K Medical Coverage Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.
• 90 days Trip Length This is the maximum number of days the travel insurance company will cover your trip.
• Multiple plans
• 24/7 emergency travel assistance
• Up to $1K missed connection coverage
• Lower medical emergency coverage than competitors
• Few add-on coverage
• No free child traveler coverage
• Trip cancellation: Up to 100% of trip cost
• Trip interruption: Up to 150% of trip cost
• Emergency medical: Up to $250K
• Medical evacuation: Up to $1M
• Baggage delay: $500
• Lost baggage: $2,500
• Bronze: Basic plan with lower coverage limits than other two
• Silver: Intermediate plan with more value than Bronze 
• Gold: Premier plan with best coverage 

More John Hancock Insurance Reviews 

• John Hancock Travel Insurance Review
• 3.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• $25K–$50K Medical Coverage Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.
• Multiple plans to choose from
• Children 17 and under, free
• Annual plan for multiple trips
• Relatively low medical limits
• Often difficult to compare multiple plan offerings
• Some plans are relatively expensive
• Trip cancellation: Up to $100,000
• Trip interruption: Up to $150,000
• Medical coverage: $50,000
• Emergency medical: $25,000
• Lost baggage: $1,000
• Change fee: $500
• Annual Plans
• One Trip Cancellation Plus
• One Trip Basic, Prime, Premier
• One Trip Emergency Medical

More Allianz Global Insurance Reviews

Allianz Travel Insurance Review

• 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• $25K–$250K Medical Coverage Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.
• 60 days Trip Length This is the maximum number of days the travel insurance company will cover your trip.
• Very comprehensive top tier coverage
• Broad adventure travel coverage
• No deductible
• Limited coverage for lower tier plans
• Extensive exclusions for lost/damaged personal property
• Trip delay: Up to $300/day; $1,250 max
• Medical coverage: Up to $250K
• Medical evacuation: Up to $1M 
• Baggage delay: Up to $750 max
• Lost baggage: Up to $3K
• Silver Plan: Basic plan
• Gold Plan: Better value
• Platinum Plan: Premier coverage
• Adventure Product
• 2.75 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• Not Rated AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
• Up to $100K Medical Coverage Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.
• Adventure sports coverage
• Language apps for iPhones
• COVID-19 coverage
• No pre-existing med coverage
• Restricted civil unrest coverage
• Less extensive med coverage
• Emergency dental: $750
• Trip cancellation: $2,500 / $10K
• Trip interruption: $2,500 / $10K
• Medical evacuation: $300K / $500K
• Lost, damaged, stolen gear: $1K/$3K
• Standard Plan
• Explorer (Enhanced) Plan
• 4.25 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• 60-90 days Trip Length This is the maximum number of days the travel insurance company will cover your trip.
• High coverage for trip delay
• Group travel policies available
• Cancel for any reason available
• Low trip cost coverage
• Sports equipment coverage not automatic

Add-ons and Coverage

• Trip cancellation: 100% of cost
• Cancel for any reason: 75% of cost (only for Pandemic Plus plan)
• Trip interruption: 150%–175% of cost
• Medical evacuation: $500K (only for Pandemic Plus plan)
• Lost baggage: Up to $2,500
• APRIL Pandemic Plus
• APRIL Trip Cancellation
• APRIL Choice with Pre-Ex Waiver
• APRIL Cruise

Travel Insurance: What You Need to Know 

Travel insurance is an optional protection that most travelers should consider. Travel insurance helps people recover losses if travel plans are disrupted. This can include full recovery of prepaid expenses if the trip is canceled entirely as well as coverage for expenses incurred on a trip if facing problems such as a medical emergency or lost items.

A number of credit card companies provide some automatic travel insurance but coverage is limited and often doesn’t cover crisis situations such as the need to evacuate for a civil disturbance or natural disaster. The best travel insurance policies will provide full coverage, can be tailored to specific needs, and reimburse customers for losses and costs that will arise if plans go astray.

Purchasing travel insurance works much like buying other common coverage, such as home or auto insurance. The first step is to understand and list all of anticipated travel costs and potential risks, then contact several companies to obtain quotes to compare. 

What Travel Insurance Covers 

Medical care and evacuation.

The best travel insurance policies provide coverage for emergency medical expenses should a traveler be injured or become ill. Most policies will also offer coverage for the cost of evacuation due to a medical emergency.

Typically, plans reimburse for the cost of emergency care up to a limit set in the policy. It is important to review these limits carefully in light of personal medical risks and health concerns specific to the travel destination. Medical coverage will continue to be a vital part of any trip planning during the COVID-19 pandemic and post-pandemic environments.

Trip cancellation and interruption

Trip cancellation coverage is important if you need to completely cancel a trip because of personal reasons, weather-related incidents, or other covered events. You should review the coverage to assure that protection also applies when a trip is cut short for one of these same reasons.

This interruption coverage is designed to reimburse travelers for the unreimbursed costs incurred for the unused part of the trip. When searching for appropriate travel insurance policies, make sure to carefully forecast your costs for a trip Interruption or cancellation and ensure coverage limits are sufficient.

Delayed or lost baggage

Delayed baggage coverage reimburses travelers for the cost of obtaining toiletries and other basic necessities when baggage is delayed during a trip. On the other hand, lost baggage covers personal items and bags that are completely list and cannot be recovered.  In addition to reimbursement for items lost, many policies provide lost baggage tracking assistance. Be certain to read the fine print as usually each of these coverages come with some pretty stringent conditions. Also, compare this coverage with coverage offered by your credit card providers, as this is one area where these coverages may overlap.

Cancel for any reason

For an additional fee, many insurers will add a “Cancel for Any Reason” provision, which covers travelers in the event of a canceled trip, because of the risk of some disaster, such as a forecasted hurricane or civil unrest while traveling internationally .

The policy timeframe for canceling a trip will be critical so it is important to review the specific policy terms and understand just how close to departure you can cancel and be covered. Also, the extra cost of this coverage can be steep so be certain it is necessary.

How to Choose the Best Travel Insurance Company

Prior to buying travel insurance, it is important to determine the travel coverage you may already have from other sources such as your credit cards, existing health insurance, or homeowners insurance. Also, have your total prepaid and anticipated trip costs calculated and handy. 

Here are some tips on selecting the best travel insurance company policy for your needs:

• Review any home insurance, umbrella insurance, health insurance, and credit card coverage that may already apply to traveling. For example, some home insurance policies cover lost items no matter where you are and health insurance could apply to situations outside of the United States.
• Understand the factors that will guide you in selecting the best policy for you — length of trip, destination, your age and health condition and anticipated involvement in high risk sports or other activities.
• Compare the detailed features and prices of several plans — try to find the cheapest travel insurance company plan that will also cover everything you need.
• Understand all of the deductible options that are available.
• Read the fine print and don’t be afraid to ask questions of the insurance company when plans are confusing or you would like a modification to the plan offered.

Finally, once you have purchased a policy and before departing on your trip, make sure you understand the process for filing a claim and seeking emergency assistance should the need arise. You do not want to face a crisis on the other side of the world and not be able to put your hands on the number to call for help.

Travel Insurance FAQ 

Can you buy travel insurance after booking a flight or hotel.

Yes, you can purchase travel insurance after you book your trip. In fact, it can be desirable as you will better understand all costs at that point. Do not wait too long though and miss out on some features.

Can you be refused travel insurance?

Unfortunately, yes. Travel insurance companies often take specific medical conditions into account and can refuse coverage if they determine the risk is too high. This is another good reason to explore various coverage options with different companies.

Is travel insurance worth getting?

Spending 5%–7% of the total cost of your trip to assure that you are not forced to spend perhaps several hundred thousand dollars for a serious medical problem and related expenses is worth getting travel insurance. 

Methodology 

We evaluated travel insurance providers based on coverage, number of plans, optional coverage, medical coverage limits, and AM Best ratings to determine Reviews.com scores and create our best travel insurance provider reviews. To compare travel insurance providers with other brands across the board, we calculate each Reviews.com score based on the following:

• Essential Coverage: When comparing travel insurance providers, we considered essential coverage to be 24/7 assistance, trip cancellation/interruption, medical evacuation and more. Providers with more points of essential coverage scored higher. 
• Number of Plans: Flexibility and having options is important which is why Reviews.com awarded travel insurance providers with higher scores if they presented more plans. 
• Add-on Coverage: Travel insurance providers with more optional coverage add-ons scored higher in this metric — higher flexibility and customization in travel insurance is an indicator of the best travel insurance companies.
• Medical Coverage Limit: We compared the medical coverage limits of the best travel insurance companies and awarded providers with higher scores if they had higher medical coverage limits. 
• AM Best: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company’s financial stability.

About the Authors

Rick Hoel Contributing Writer

Rick Hoel is an international business attorney and legal and insurance writer for Reviews.com. Over the last several years, he has covered topics dealing with personal and commercial insurance and technology and the law.

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Best Annual Travel Insurance in 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 you’re a frequent traveler, annual travel insurance may be something you’ve been considering. Unlike single-trip insurance, annual travel insurance plans can cover you for an entire year, no matter how often you’re on the road.

Let’s look at the best yearly travel insurance companies, why we choose them and the coverage you can expect.

Factors we considered when picking travel insurance companies

We used the following criteria when choosing which companies we thought were best:

Cost . Annual plans can be expensive — depending on the type of coverage you choose — so we wanted ensure that they stayed affordable. 

Types of coverage . Travel insurance for annual travelers can be limited in its coverage. We picked the ones with the broadest range of coverage for possible travel disruptions.

Coverage amounts . Annual trip insurance isn’t worth much if your limits are too low. Instead, we wanted plans with reasonable coverage amounts. 

Customizability . If your travels take you to different places, you’ll want the ability to customize your plan. The best annual travel insurance plans can provide this. 

» Learn more: What does travel insurance cover?

An overview of the best annual travel insurance

We gathered quotes from various travel insurance companies to determine the best annual travel insurance policies. In these examples, we used a year-long trip by a 22-year-old from Alabama. We indicated the main countries of travel as France and Malaysia, and when asked, put the total trip costs at $6,000.

The average cost for an annual travel insurance plan came out to $220. The plans ranged from $138-$386.

Let’s take a closer look at our top recommendations for annual travel insurance.

1. Allianz Travel

What makes Allianz travel insurance great:

Lower than average cost.

Provides health care and travel insurance benefits.

Includes rental car insurance up to $45,000. 

Here’s a snippet from our Allianz Travel insurance review :

“AllTrips Basic (annual plan) is suitable for those who would like emergency medical coverage while abroad but don't need trip cancellation and interruption benefits. The AllTrips Prime, Executive and Premier plans provide an entire year of comprehensive travel insurance benefits.

The Executive and Premier plans offer various levels of trip cancellation and interruption benefits. The Executive plan is specifically designed for business travelers since it offers protection for business equipment.”

2. Seven Corners

What makes Seven Corners great:

Offers up to $20,000 for acute coverage of pre-existing conditions. 

Includes up to $1 million for emergency medical evacuation. 

Optional add-on for adventure sport activities.

$0 deductible available. 

Here’s a snippet from our Seven Corners review :

“Seven Corners offers one annual policy called Travel Medical Annual Multi-Trip. The policy can be customized depending on how long you plan to be away from home for any one trip. You can travel as much as you like during the 364 days, so long as any one trip doesn’t exceed the option selected — 30, 45 or 60 days.”

What makes IMG great:

Good customizability with medical evacuations and sports coverage. 

Low $250 deductible.

Includes coverage for semi-private hospital rooms. 

Here’s a snippet from our IMG review:

“Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important to you if you travel to a remote location or engage in physical activity such as trekking.

More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.”

4. Trawick International

What makes Trawick International great:

100% coverage for trip cancellation and trip interruption. 

Emergency medical evacuation included. 

Trip delay reimbursement coverage. 

Here’s a snippet from our Trawick International review :

“Trawick International is a comprehensive travel insurance provider that offers trip delay and cancellation insurance, baggage delay coverage, medical coverage and medical evacuation, rental car damage protection, and even COVID-19 coverage among its various policies.

Trawick covers trips for worldwide destinations, including for foreign nationals coming to the U.S.”

What does travel insurance cover?

You’ll find a wide variety of coverage types offered by travel insurance policies. This is true whether you're purchasing a single-trip or annual travel insurance plan. Here are some common types you can expect to find:

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip interruption insurance .

How to choose the best annual travel insurance policy

While we’ve highlighted some of the best annual travel insurance companies, the truth is that the best plan for you isn’t going to be the best plan for someone else. If you’re interested in buying annual travel insurance, you’ll want to collect a variety of quotes to see which policy best fits your needs.

This may mean opting for a plan that covers pre-existing conditions or one that specifically includes high-risk activities. Or, if you’re in a country where health care is notoriously expensive, you may want to choose a policy with higher maximums.

Many credit cards come with complimentary travel insurance .

Whatever the case, do your research first and review all the plan details before making your purchase.

» Learn more: How to find the best travel insurance

If you want to buy annual travel insurance

Annual travel insurance can be a great option if you’re often out of town. With such a wide range of policies available, selecting a plan that fits your needs is easy. We’ve done some of the work for you by choosing the best annual travel insurance companies, all of which made the top of the list for their cost, customizability, types of coverage and plan maximums.

Like any travel insurance policy, the cost of your plan is going to vary. Factors that may affect the cost of your annual travel insurance include your age, where you’re going, how long you’ll be traveling, your policy maximums and whether preexisting conditions are included.

Although not all travel insurance providers offer annual travel insurance, many of them do. We’ve gathered together the five best, including Allianz Travel, World Nomads, Seven Corners, IMG and Trawick International.

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 Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Load off my mind

Had to cancel holiday 2days before holiday departure due to being rushed into hospital . seriously ill .fit 2 travel and brokersure stepped in and have sorted my claim out .within 5working days of first day of claim.rang me in hospital a told me how to claim.cant thank them enough .

Date of experience : September 29, 2023

Very professional procedure.

Had an accident on holiday requiring several stitches which due to the urgency had done at a private medical centre. Didn't even think of checking with insurance as my main concern was getting treated. Anyway on arrival home phoned Fit2travel and explained the situation. The agent was extremely helpful and sympathetic as we went through the details. She sent me the necessary forms by email which I duly completed and returned along with copies of relevant documentation. Around 6 days later received a phone call confirming my claim was authorised and payment was being prepared. All in all a thoroughly professional procedure and well above expectation. I will be using them again.

Date of experience : October 25, 2023

An outstanding service

I had to cancel my holiday. The fit2travel advisor who I spoke to was so kind and polite. He was very patient with me and explained what I had to do in clear and simple terms. I was hesitant, concerned and very unsure of myself about what to do. He helped so much to put me at ease. When my claim was accepted and I got all my money, back he sent me a lovely email telling me so. He also said how sorry he was for my reason for cancellation and that he hoped that getting my refund would go some way to easy my disappointment and dilemma. I thought that was so thoughtful and endearing. Fit2travel are a great company. I’ve used them many times before, however this was the first time I had to make a claim. Thank you so very much for your outstanding service.

Date of experience : November 15, 2023

Incredibly helpful insurance company.

Incredibly helpful insurance company. I faced several issues with my backpacking trip in Thailand and Indonesia and they helped me so much. I can’t express how grateful I am for the support I received with the issues I faced. I will always use these guys! They were amazing!

Date of experience : July 18, 2023

Didn’t Need to Panic

After reading all the reviews I felt very nervous to work with this company. Unfortunately my insurance wasn’t viable as it was to cover a one way flight only. I called up to cancel my insurance and asked for a refund, the service was extremely clear and polite. I then received a follow up email the next day to confirm the refund was on it’s way and the full amount of £88 was back in my account within two days. I was very relieved to get my money back and the experience was seamless. Thank you.

Date of experience : October 06, 2023

Rubbish company.

Completed all the information required online for travel insurance with this lot and after payment with card was twice declined. First time payment unsuccessful and then again not enough funds. After phoning them lady I spoke to didn’t seem interested,said payment would be refunded. Still waiting! Should be Fit for nothing!

Date of experience : January 08, 2024

Excellent service

Booked my travel insurance in Jan this year for our holiday to North Cyprus which was cancelled by your operator on Tuesday 18 Aug 2020. Contacted Fit2travel on 19 Aug for refund of insurance premium. 50% refund processed into my account on 21 Aug. I believe 50% is fair, my insurance in use since Jan. Well done Fit2travel.

Date of experience : August 22, 2020

Reply from Fit2travel

Dear Mr Morgan Thank you for taking the time to provide to us with feedback regarding your recent experience. The Fit2 Travel Team

Great Reviews/Thank You

Many thanks for all the reviews,you have just saved me£274.49 as I was going to take out annual insurance

Date of experience : July 23, 2020

Very pleased with this company handled…

Very pleased with this company handled my claim very fast! Will definitely use again👍

Date of experience : April 24, 2023

Thank you for your positive comments! We are glad you had a great experience! The Fit 2 Travel Team.

Refund issue resolved

It was good to see that Fit2travel looked into our policy refund issue and found that it was an error. Much appreciated.

Date of experience : December 11, 2020

Thank you for taking the time to talk with us today. We are pleased to have been able to resolve this issue. Should you require anything further please do not hesitate to contact us. The Direct Travel Insurance team

VERY GOOD COMPANY HELPED ME WITH…

VERY GOOD COMPANY HELPED ME WITH EVERYTHING GREAT SERVICE GREAT EVERYTHING!

Date of experience : February 01, 2021

Thank you for taking the time to leave us a review Milan, We are so pleased to hear that you were happy with our service! Please let us know if require anything further in the future. Kind regards, The Fit 2 Travel team.

You’re not worthy of one star more like…

You’re not worthy of one star more like minus 100. DO NOT INSURE they are absolute rubbish. Like many others we had our holiday cancelled and Brokersure would not let us change dates unless we told them before the current policy expired 2weeks) but we are unable to rebook at the moment. Again 50% refund minus £15 admin fee. They had the audacity to offer 10%discountoff a future policy!!!! Really????

Date of experience : May 04, 2020

Thank you for taking the time to share your feedback with us. We are very sorry to hear you were unhappy with the experience you have received on this occasion. The Fit2 Travel Team

Do NOT use this insurer!!!

Do NOT use this insurer!!! Even on their platinum policy there is no cover whatsoever under ANY part of the policy for a multitude of situations that could easily develop before your trip. Read the policy wording VERY carefully or you could discover that you are not actually insured at all. Better still, don't waste your time doing this, go elsewhere! What sort of company refuses to honour their policies if the Foreign Office advises against travel to a particular destination? Answer: This 3rd rate outfit. Don't get caught out like I did.

Date of experience : March 17, 2020

Yeah they have basically said £$%" you…

Yeah they have basically said £$%" you to anyone with travel insurance with them. Good luck surviving as a company when all this is done and dusted. Will be making a complaint to the FCA and PRA would advise everyone else to do the same. And put the reviews everywhere. Their full details in case you missed them. Fit2Travel insurance is provided by Brokersure Ltd who are authorised and regulated by the Financial Conduct Authority under Firm Reference Number 501719. Copyright Brokersure Ltd 2020 All rights reserved.

Date of experience : March 19, 2020

We are purely the broker and this is a market wide situation with virtually all insurance companies in the same position - this situation is beyond our control and our teams are working flat out dealing with issues caused by COVID-19

Had 2 policies at just under £50 each

Had 2 policies at just under £50 each, Due to the covid 19 situation our holidays were cancelled by the travel company. I requested for our travel insurance policies to be cancelled. They replied that a 50% refund of the premium less a £15 administration fee is all that would be refunded. I think this is an absolute disgrace given the current situation. I have known of two other insurance companies for people traveling with us having a Full no quible refund. Never will I deal with this company again nor its brokers Brokersure Limited. Total cowboys.

Date of experience : April 10, 2020

Never pays out!

Never pays out! Absolutely appalling service from this group of rogue traders. Very happy to take money for insurance policies but absolutely refusing to pay out using obscure get-outs. Travel insurance bought apparently doesn't cover a pandemic, why then do they issue it knowing full well that is a risk factor? What exactly do insurance companies exist for other than to pay out in the event of an unexpected shock? Disgraceful.

Date of experience : May 06, 2020

I've just checked my details and they…

I've just checked my details and they have covered me previously for this September but I changed it to next September as of not sure about COV19 they never carried it over and I have a policy for Christmas this year I've tried phoning today was getting told to leave a number and someone will be back to me I've now getting phone going dead I wished I read the reviews plus I have heard that they are going under please don't give them any money they are trying to cash in quickly before it happens guess what they contacted me about the policy my April 1 is fine I stupidly cancelled my September as it was going to go a head next September in between this am going away for my birthday in April I hold my hands ✋ due to the mixup with September I asked about getting discount as potentially I would have had 3 holidays insurance with them but nope she had tried her code for discount I knew when I said I will think about it all off a sudden my boss has just emailed me a code I was getting virtually nothing discounted plus they will charge me £2 for doing it. I am waiting on a couple of prices as I am going elsewhere for them and I will be staying away from them.

Date of experience : August 09, 2021

Thank you for taking the time to talk to us today. We are pleased to have been able to assist you, and provide some clarity, on this occasion. We hope we were able to put your mind at ease in confirming that we are not going under and your policy will remain valid and we are here to assist when required. The Fit2 Travel Team

This company ruined my Christmas.

This company ruined my Christmas.. They should have no stars. My mother and her partner are still in lanzarote after they went away for a weeks holiday at the beginning of December. He unfortunately has been hospitalised by a heart attack and told he needs a pacemaker fitting and this company have left them in limbo for over a month with no decision as to what can be done. My mother has been surviving on the generosity of strangers and visiting her partner every day while he waits in hospital where nothing can proceed...

Date of experience : January 06, 2020

Thank you for taking the time to provide us with some additional information as requested. Your complaint is now being investigated and someone will be in touch shortly to discuss this with you. If you require anything further please do not hesitate to contact us via email: [email protected] The Fit 2 Travel team

Dont use this Company

Have used previously, this year needed to cancel due to coronavirus cancelling holiday and they're only refunding 50% of fee paid minus £15 admin fee, Daylight Robbery! My policy cost £69.80 inclusive of medical declarations, they're refunding £19.90. Won't be using them again. Underwriters are Brokersure Ltd. Take heed!

Date of experience : May 01, 2020

I had booked Platinum cover for a…

I had booked Platinum cover for a holiday to the US but due to the ongoing CoVid pandemic I have had to cancel. When attempting to make a claim, I have been informed that the policy will not cover cancellation due to Foreign Office advice not to travel. Fit2Travel then additionally state that if you travel against Foreign Office Advice then you will also not be covered! Can I ask what is the point of a travel insurance policy if they will not cover cancellation under these circumstances! What a complete waste of money. Their policies are not worth the paper theyre written on.

Date of experience : September 02, 2020

Thank you for taking the time to provide to us with feedback regarding your recent experience. We are sorry to hear that you were unhappy that the policy would not provide cover if travelling against FCO advice. However non essential travel is not normally covered under travel insurance when the FCO advice is not to travel. The Fit2 Travel Team

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Is this it, how about this, search results.

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The Best Travel Insurance Plans

The 13 best travel insurance plans.

• Squaremouth
• Insure My Trip
• Travel Insurance
• Travelex Insurance Services
• Insured Nomads
• Allianz Travel
• Quote Wright
• Travel Guard
• Seven Corners
• World Nomads
• Travel Insurance Center
• Axa Travel Insurance

Who Offers the Best Travel Insurance?

With daily news stories of delayed and canceled flights, lost baggage, and travelers stranded overseas in the middle of a natural disaster, it's easy to see why travel insurance is so important. Like most types of insurance, travel insurance is bought in the hopes that you'll never need it. But, for most travelers, it's worth the price for the protection it provides.

Have you ever thought that this coverage was just an unnecessary, added expense? That's fairly common: most people assume that they've got protection through their credit card company, their regular health insurance, even their homeowners' policy. In some situations, that may be accurate - but unless you know the details of those types of coverage, you're more likely to be left paying out-of-pocket expenses you thought were taken care of... but aren't included.

Saturday, April 13th

2024 Travel Insurance Plan Reviews

• One-stop shopping for policies from more than 30 providers
• All insurers quoted through SquareMouth have to comply with "Zero Complaint Guarantee" and have a high A.M. Best rating
• Four policy types available: standard single trip, annual/multi-trip, cruise, adventure/sports

SquareMouth has helped more than two million customers to find the right travel insurance. This service brings you quotes from more than 30 top names in the industry and makes it easy to compare their coverage and benefits. Over the last year alone, SquareMouth sold nearly $100 million in travel insurance policies.

Best selection of insurers and policies here

To make a fair comparison across travel insurance websites, we used the profile of two 35-year old travelers taking a $3,000 trip to Mexico in six months, paid in full on the date we requested the quote. Naturally, because SquareMouth is a referral service, we got many more options than with platforms that only offer policies from a single insurer: 56 that best matched our search criteria, out of a total of 102. The top five policies ranged in price from $106 to $208 and included plans from Trawick International, Seven Corners, Tin Leg, Generali Global Assistance, and IMG.

Information at a glance

What we really like about using SquareMouth is how easy it is to see at a glance what each policy has to offer. On our list, we noticed right away that one insurer was a Forbes 5-Star Travel Insurance Provider in the previous calendar year, another was featured by Forbes for offering superior coverage during the pandemic, and a third got kudos from Forbes for its travel delay benefits. All policies had a preview of the coverage for COVID-related cancellations or medical, trip cancellation and interruption, medical evacuation and general medical benefits. It was also very easy to click the "Compare Policy" checkboxes and see any travel insurance that we wanted to see side-by-side.

Easy to compare

Another thing we liked about SquareMouth is how easy it is to compare all the policies they match you with. You can sort the results by least expensive to most expensive, and use their side-by-side comparison tool to evaluate the details of each policy.

Take advantage of thousands of customer ratings

Another big benefit of using a referral platform like SquareMouth is being able to see hundreds - or thousands - of reviews from other travelers. Every quote tells you how many policies that company has sold via SquareMouth and since what year, plus ratings from clients. You can click on the "Full Policy Detail" and read what clients have said, while getting the complete information about any travel insurance coverage you're considering.

No upselling here

We also appreciate that this travel insurance service aims to "downsell" you: in other words, they'll recommend the lowest-priced policy that still matches the coverage you need. SquareMouth doesn't base its sales on commissions, so there's no reason for them to push policies that are more costly.

Terrific variety of travel insurance types

A final reason to consider getting your travel insurance through SquareMouth is the variety of coverage types available here. Our quote was for a traditional single-trip policy, but what if you're an avid traveler who wants to cover multiple trips in a year? Or you're taking a cruise? Maybe you're an adventurer participating in skydiving, an athlete competing in amateur sports competitions, or bringing expensive gear for skiing or scuba? When you get an insurance quote from a single insurer, the answer may be "no" , but through SquareMouth you can find policies from companies that will say "absolutely!" .

Disappointing drop in the BBB rating

All of these positives are why we were shocked to see that since our last review, SquareMouth's listing with the Better Business Bureau had dropped to a "D-" for failing to respond to 13 customer complaints. That's not a huge number, but we were puzzled to see that most of those were in the most recent one-year period. We wonder what SquareMouth's excuse would be for not addressing such a small number of client concerns.

Digging deeper

However, this disappointment should not be a huge factor in whether you use SquareMouth. Why? If you look at the BBB complaints, you'll see that they're all related to failures on the end of the insurer - not SquareMouth. So, they logged their complaints with SquareMouth, when really their complaints were with an entirely different company. Of course, ultimately your satisfaction with your travel insurance will depend on that insurance company.

Outstanding choice

Overall, SquareMouth is an outstanding place to shop for travel insurance. We love being able to see thousands and thousands of customer ratings - and this site offers more client reviews than any other provider we evaluated. With their large insurance network, you'll get a competitive quote and be able to check out other customer reviews and comments. Once again they earn high marks in our review of travel insurance providers.

• Travel insurance quotes from more than 20 insurance companies

Best Plans Guarantee

• Anytime Advocates program to help with the claims process
• "A+" rated and accredited by the BBB
• In business for over 20 years

Insure My Trip was one of the world's first comparison sites for travel insurance, founded in 2000. There are more than 20 insurers offered through Insure My Trip, with thousands of plans that might match your needs. You'll have a hard time finding another site that makes it easier to get the right policy.

Easy to get started

We started out the quote process with a sample traveler profile: a $3,000 trip to Mexico for two 35-year-olds, about six months in the future. Along with our residence, citizenship, and initial trip payment date, that was all we needed to do to get a matching list of policies.

Get three top recommendations right away

Right away, we noticed that Insure My Trip offers three top-recommended plans:

• Superior (most covered reasons for cancellation and interruption, highest benefit limits for travel delay, baggage, and emergency medical)
• Strong Value (excellent coverage at a moderate price)
• Economy (good coverage to fit most travelers') needs

That's a fantastic way to save time trying to compare individual plans: our fictitious travelers had more than 40 policies in "their" results list. Those three recommended plans were priced from $106.96 to $144 and came from Nationwide, IMG, and Berkshire Hathaway.

Use the filters to set any preferences

Whether you look just at your three recommended plans, or opt to view all of the ones that fit your needs, you can always click the "Compare" checkbox to see any policies side by side. We noticed that none of those three recommended plans offered "Cancel For Any Reason" , but customers can get the results rearranged by going to the filter at the top of the page. It defaults to "Recommended" , but when we selected "Comprehensive" we were given checkboxes to select Cancel For Any Reason, Cancel For Work Reasons, Pre-Existing Condition Waiver, and so on. Be sure to use this feature if there are specific things you want to cover.

Read customer reviews - especially ones that filed claims

We really like being able to read through customer reviews on each of the insurers quoted by Insure My Trip. It's particularly helpful to use the "filed claim" checkbox to display only the ratings coming from clients who put each service to the test. After all, it's easy for an insurance company to score a high rating when their customers' only experience is with buying the policy in the first place; not as easy to do when it's time to pay out for a covered expense.

That's part of Insure My Trip's Best Plans Guarantee. New plans and providers get a six-month grace period to sell policies and get reviews. Any insurer that doesn't demonstrate a good track record of meeting customer expectations loses its place on the platform.

Anytime Advocates service

While some travel insurance referral sites offer little to no help in working with the insurers when there's a claim, Insure My Trip takes the opposite approach. Their Anytime Advocates program offers claims assistance and dispute resolution, with the help of 40 on-staff licensed travel insurance reps who will intervene with the insurance companies when needed. According to the company, travelers have saved (or been reimbursed) more than $1.25 million through this advocacy program.

More than 20,000 five-star ratings

Insure My Trip earned an "A+" and accreditation from the Better Business Bureau, with only eight complaints filed in the last three years. Customer reviews and comments on Insure My Trip left in other places are overwhelmingly positive, with more than 20,000 five-star ratings. They praise everything you'd anticipate: lots of insurers and policies to choose from, great support from the advocate team, and an overall smooth experience from quote to claim (when needed).

Great site for travel insurance needs

Insure My Trip has a lot going for it. They offer a wide variety of top-notch insurers, an easy-to-navigate website, and excellent advocacy when customers need to make claims. Along with a strong reputation, they continue to rise in our rankings. Insure My Trip is a great place to shop for your travel insurance needs.

• Compare policies from 15 different providers
• Easy to compare options and see feedback from other clients
• In business for more than 10 years

Travel Insurance gives you the chance to compare policies from 15 different insurers, all with a simple quote form. You can also take advantage of their informative articles before you ever even look at a policy, covering topics like whether or not Medicare will cover you while abroad or the differences between primary and secondary travel insurance coverage.

Easy-peasy to get a quote

To make a fair comparison across travel insurance websites, we created a traveler profile: two individuals (age 35) going to Mexico for a week, about six months in the future, and paying a total of $3,000. How did Travel Insurance do? We liked that once we entered the basic profile information, we were offered a series of filters to narrow down the choices among the 22 matching plans in our initial results. Those included a pre-existing condition exclusion waiver, cancel for any reason, car rental collision coverage, and so on.

Simple process to browse and compare policies

Even without selecting any of those filters, our results were easy to understand. The lowest-priced policy in our Travel Insurance quote was Trawick's Safe Travels Explorer Plus: it was 99% recommended by previous clients on this site (purchased by nearly 50,000 people) and affordably priced at $65.72 for both of our fictitious travelers. On the opposite end of the spectrum, Travel Guard's Deluxe policy came in at $339.42, was purchased by more than 11,000 Travel Insurance clients, and was 98^% recommended. For any plans we liked, we could click the "add to compare" checkbox and see all of the benefits laid out side-by-side.

No multi-trip policies quoted here

What's missing? The only aspect that jumped out at us was that we didn't see any options for annual coverage: there was nothing in the quote form that allowed for entry of multiple trips within a 12-month period. You'll have to use a different travel insurance website if that's the kind of policy you need.

"A+" from the BBB

Travel Insurance gets an "A+" and accreditation from the Better Business Bureau, with only 6 complaints filed (and resolved) in the three years leading up to our review. Client feedback elsewhere is really positive, with 90% recommending this platform as a good place to buy a policy. But, remember that your real experience will be with the insurer of the plan you choose, and not necessarily with Travel Insurance itself.

Helpful support team

That being said, we were glad to see comments from clients who needed to make a claim and were able to get help from Travel Insurance to get a resolution. In several instances, Travel Insurance reps escalated issues or provided alternate contact information for the insurance company that moved things along more quickly.

No concerns here

Travel Insurance could be a solid starting point for buying coverage for your next trip. It would be helpful if they added multi-trip/annual coverage to their policy options, to be more competitive with some of the services we evaluated. However, we can still give Travel Insurance a big thumbs-up as a site worth using to compare policies.

• 3 plans to choose from: Travel Basic, Travel Select, and Travel America
• Options for post-departure medical coverage and flight-only plans also
• In business for 25+ years

Travelex Insurance is on a mission to provide "the best travel protection in the world while remaining true to the company's Midwestern values" . Headquartered in Nebraska and in business for over 25 years, this company is part of the Cover-More Group, a subsidiary of Zurich Insurance Group.

Just 3 plans to consider - with available upgrades

There are three main travel insurance plans to choose from here:

• Travel Basic: this is described as "extensive protection at a budget-friendly price" . You'll get up to $15,000 in emergency medical expenses (as primary insurance and no deductibles), up to $10,000 for trip cancellation/interruption, and several other benefits. You can also customize your quote with protection for car rental collision and AD&D. For our Mexico-bound case-study travelers (two 35-year-olds going for a week, six months in the future, for a total cost of $3,000), our premium was $136.
• Travel Select: this higher-tier policy gives you much more for your money. All children 17 and under are automatically covered when traveling with a covered adult. Your medical coverage jumps to $50,000, AD&D is included, and you can upgrade to include coverage for adventure sports, cancel for any reason, or add even more medical benefits. In the case of our sample travelers going to Mexico, the premium on this plan was $190 with no add-ons.
• Travel America: if you're staying stateside, this plan is the one for you. You can share benefits with up to 8 travelers, including up to $50,000 in emergency medical expenses, a three-day pre-existing condition exclusion waiver, car rental collision insurance and roadside assistance. This is only valid for trips of up to 14 days, but it's a flat rate premium of just $60.

Extra plans for other situations

When you're getting your quote, you may also spot links under the Plan Options for Post-Departure and Flight. Those will take you to Travelex's insurance policies for medical coverage after you've already left home, as well as an option for just covering your flights and nothing else.

Smooth site navigation

The quote platform here runs very smoothly, with just a few required questions and an easy-to-understand display of the options that match your travel plans. It was also nice to enter our information once and get every possible insurance plan, instead of having to input it over and over (like we had to do with some of Travelex's rivals).

Good reputation with the BBB

Travelex Insurance has a perfect score with the Better Business Bureau: "A+" and accreditation. We were pleased to see that there were only 25 complaints filed there in the last three years, which is pretty impressive for a company with a history spanning 25+ years.

Ignore the money transfer reviews

Don't get confused when you look for customer comments about this travel insurance company - because it often gets mixed up with Travelex for money transfers. They both seem to be operated by Zurich, but they're operated separately from one another. When we finally found the reviews from travel insurance policyholders, they were mostly positive. A few people had some issues with getting claims paid, but by and large they were handled well and within a reasonable amount of time.

Solid overall choice for travel protection

Travelex Insurance offers a nice range of policies that can cover just about every trip you could dream up. We feel especially enthusiastic about their Travel America option; how can you beat a flat rate of $60? While you'd obviously have more options by starting your search with a referral platform instead of going directly to the insurer, rest assured that no matter how you wind up with Travelex, you'll be in great hands for your travel insurance.

• 6 plans to choose from, including single trip, annual/multi-trip, post-departure, auto rental, and travel medical
• In business for 50+ years

RoamRight is the brand name of Arch Insurance Company: though the RR name has only been around since 2012, its parent company has been underwriting travel insurance policies for more than 50 years. You'll often find RoamRight policies quoted on travel insurance referral sites - like most of the comparison platforms in our review.

6 plans to choose from

There are six different travel insurance plans offered by RoamRight:

• Pro: this is your essential protection on a budget. You'll get up to $25,000 in emergency accident/sickness coverage and up to $250,000 for emergency evacuation. Sports and Hazardous Sports are available as an add-on.
• Pro Plus: this doubles the benefits mentioned under the Pro plan, makes your medical coverage primary, and gives you Cancel For Work Reason benefits if you get your policy within 21 days of the initial deposit. Available upgrades include Platinum (which enhances the benefit limits), Sports and Hazardous Sports.
• On Trip Plus: if you're doing some last-minute travel and you only need post-departure coverage (no trip cancellation), you can get up to $75,000 in accident and sickness coverage (primary medical) and up to $600,000 in emergency evacuation coverage.
• Multi-Trip Annual/Trip Cancellation: ideal for those who take more than one trip in a year, you can cover an unlimited number of trips in a plan year, for up to 30 consecutive days in each trip. (Not available in all states.)
• Travel Medical: if all you need is medical insurance and no trip cancellation coverage, this is the right plan. You can choose benefits ranging from $50,000 to $500,000 in accident/sickness medical coverage, with up to $100,000 for emergency evacuation coverage.
• Auto Rental Insurance Plus: protect your rental car with up to $35,000 in coverage for collision, $500 towards baggage, and no deductible. This can be used anywhere in the world, with the exceptions of Afghanistan, Costa Rica, Ireland, Jamaica, Mexico, and Yemen.

Higher-than-average premiums - but more benefits included

Obviously, many of those travel insurance policies wouldn't apply to the made-up scenario we used to compare the companies in our review: two 35-year-olds visiting Mexico for a week, leaving in about six months, for a total trip cost of $3,000. How did RoamRight do on that quote? We weren't super impressed: we were offered the Pro plan for $160 or the Pro Plus for $182. Of course, when you go directly to an insurer instead of using a comparison service, you're going to get more limited choices. The lowest-priced policy was still quite a bit more expensive than many rival insurers' plans, and only offered a maximum of $25,000 for medical expenses. We felt like we could get better coverage from a different travel insurance company. However, both plans included the pre-existing medical conditions waiver, which is often an extra add-on cost with other insurers; the Pro Plus plan also came with the Cancel For Work Reason at no extra charge, and that typically comes with additional fees with other companies.

BBB gives it an "A+"

How about reputation? Under the name of its parent company, Arch Insurance, RoamRight gets an "A+" and accreditation from the Better Business Bureau. There were 40 complaints filed there in the most recent three years, but the "A+" means you don't have to worry about issues getting handled in a timely, professional way.

Positive reputation overall

We found similar feedback from clients who left reviews for this insurance company (many of which you might see if you use one of the travel insurance referral platforms in our review). By and large, customers say that these plans are priced competitively, the claims process isn't too painful, and that they got the coverage they needed.

Only one minor included per paid adult

The one downside we noticed here is that their policies that offer complimentary coverage of travelers under age 18 don't include all of the minors in the traveling party. Instead, RoamRight covers one minor per paid adult - so if you've got a family of two parents and four children, only two of the kids get their travel insurance for free. That's not quite as generous as some insurers who cover any number of children in the travel party.

A trustworthy insurer

Generally speaking, RoamRight is a trustworthy option for travel insurance. You'll have to decide if their policies give you the coverage you need, and we still encourage you to try a referral platform first (to see if there's another insurer that could give you more protection at a better price). However, if your research leads you to RoamRight, you can buy your policy with confidence.

• 3 travel insurance plans: World Explorer, World Explorer Multi, and World Explorer Guardian
• Add-ons available for adventure sports, pet insurance, AD&D, car rentals
• Options for global health insurance for long-term stays outside of the home country
• All plans include a 12-month INC membership (even if you never file a claim)
• "A" rated and accredited by the BBB
• In business since 2020

Insured Nomads is the newest travel insurance company in our review, getting its start in 2020. The founders, world travelers themselves, asked what they would do differently if they could do it all again, and what resources they would have liked to have? Insured Nomads came from their answers to those questions, helping anyone who wants to leave the familiar behind and take an adventure - for days, years, or forever - with extra peace of mind and protection in their corner.

Don't miss this if you're working or traveling abroad for a long time

If you're looking to work abroad or have an extended stay outside of your home country. Insured Nomads' Global Health Insurance will likely make more sense than a traditional travel plan. Sometimes known as "International Health Insurance" or "IPMI" , it gives you coverage for emergency care as well as routine, preventative, and chronic care in the country (or countries) you designate for your plan. This coverage typically lasts a year and is renewable. Insured Nomads offers Global Health Insurance for extended trips or relocation, and you can sign up as an individual, a couple, or a family. We won't go into more depth than that, since far more people use travel insurance for one-off trips, but we invite you to visit the Insured Nomads site if this sounds like a good fit for what you're planning in the future.

Extremely affordable coverage

Let's take a look at the quote experience at Insured Nomads, through the "eyes" of our case study travelers: two 35-year-olds going to Mexico for a week, about six months in the future, for a total cost of $3,000. We entered the destination and then also had to select a coverage area (whether the US should be included or excluded). We could choose deductibles ranging from $0 to $500, and a maximum medical benefit of $250,000, $1 million or $2 million. We were also asked to check a box if we wanted coverage of adventure sports or marine activities (increased medical limits for activities like kitesurfing or scuba diving, operating or riding personal watercraft, and coverage of scuba equipment). The baseline policy for $0 deductible and $250,000 of medical coverage was a shockingly affordable $32.96 per person.

Hard to get a quote for a non-family member

It got a little trickier when we went to add our fictitious second traveler. It was no problem if they were a parent, spouse, or child of the first person on the policy. However, there was no clear way to include a sibling, friend, or other partner outside of those designated relationships.

Read the details before starting the quote process

When we went ahead and added the second traveler as a spouse, we were only offered the World Explorer policy for $65.92. The next page asked for payment: there was never a detailed list of what our policy would include/exclude, so if you're considering an Insured Nomads plan, you'll want to read up on the site before you start the quote process. Generally speaking, the World Explorer plans cover one trip (anywhere from 1-364 days in length) away from your home country, and it can be extended up to six months longer than the initial purchase. World Explorer Multi is for those taking more than one short trip within a year and returning home in between. Finally, World Explorer Guardian gives you the benefits of the primary Explorer policy but also includes Trip Cancellation coverage. We encourage you to click on the Policy Summary for any Insured Nomads travel insurance you're interested in - because that's where we found important details like it not being available for purchase from New York or Arkansas.

Excellent benefits with free INC membership

One novel aspect of Insured Nomads' travel insurance plans is a free one-year membership to INC. This app-based feature gives you travel comforts (like airport lounge access and VPN for cyber security), travel information (such as health and safety alerts plus visa and vaccination requirements), health and wellbeing tools (like telemedicine in multiple languages), and much more. Travelers say that the INC app is a huge benefit that made a significant difference in their journeys.

Strong reputation so far

Despite being one of the newest travel insurance providers in our review, Insured Nomads has already established itself as a reliable company with an "A" rating and accreditation from the Better Business Bureau. There were no complaints filed with the BBB at the time of this evaluation. We found a small handful of reviews from Insured Nomads' clients: almost all of them gave the company a perfect five-star rating, but we didn't spot any that had actually needed to make a claim.

Best option for long-term travel and digital nomads

We still feel comfortable giving Insured Nomads our own four-star rating. With more and more people deciding to work remotely - and taking advantage of being able to work from Berlin or Bali instead of their basements - the kind of travel insurance that this company provides will undoubtedly become much more prevalent. We'd like to see more detailed policy information given upfront, making it easier for prospective customers to know what they're getting (and what they're not), but in all other aspects this appears to be a worthy addition to the travel insurance industry.

• 10 plans to choose from, including single-trip, annual/multi-trip, and rental car coverage
• In business for 100+ years

Allianz Travel is a huge name in the insurance industry. Last year alone, this company assisted more than 55 million people with protecting themselves and their belongings while roaming the globe.

Single-trip, multi-trip, and car rental insurance available here

There are ten different types of travel insurance coverage offered by Allianz, all designated according to whether you're covering a single trip (OneTrip), multiple trips within a year (AllTrips), or just rental car insurance. On the main quote page, you simply choose which of the three plan types fits your travels, enter your destination, travel dates, age of traveler, state of residence, and total trip cost, and you'll be shown all of the policies that match.

Not as much for the money

We used a sample traveler profile of two 35-year-olds going to Mexico for a week, about six months in the future, and with a total cost of $3,000. We were given the choice among all three of Allianz' OneTrip plans, ranging in price from $130 to $286 for both people. We weren't really impressed by the coverage: even at the highest level (Premier), the available medical coverage had a maximum of just $50,000 (while many rivals go up to $100,000 or even $1 million on their top-tier policies).

Some options are missing or hard to spot

It also wasn't until we were on the final payment page that we could click to see the full Plan and Pricing Details. We never found an option with Allianz that would cover Cancel For Any Reason. And, it was only in the very lengthy plan details that we spotted that our policy automatically included a pre-existing medical conditions waiver, as long as our policy was purchased within 14 days of the first payment (and several other eligibility criteria were met).

Some nice perks

However, there are some benefits with Allianz travel insurance plans that didn't necessarily apply to our case study travelers but could be a reason for you to choose their coverage. For example, OneTrip Prime adds no-cost coverage for children 17 and under when traveling with a parent or grandparent. The AllTrips Executive plan covers your business equipment in the event of loss, theft, or airline delay: you can be reimbursed for equipment rental, replacement, and/or repair - and this policy will cover your personal travel/vacations as well.

"A+" from the BBB - despite 1,100+ complaints

You'll find the BBB's listing for Allianz Travel under their Global Assistance division: an "A+" and accreditation. There were over 1100 complaints filed with the BBB in the most recent three-year period, but an "A+" means that they were all responded to and handled professionally.

Mixed results on handling claims

Considering what travelers have said in other places, Allianz gets its fair share of complaints about slow claims processing. On the other hand, we found plenty of people praising how fast they were reimbursed for covered losses - from hotel and restaurant costs when return flights got canceled and rescheduled for another day to airfare and more, often getting payments to the customer within two weeks.

Good enough

All of this adds up to Allianz receiving the same rating that we gave them in our last review. This travel insurance provider is reliable, and they've added one more coverage type since our previous evaluation. We're not concerned that travelers will have big problems here, but there are other services that provide a wider range of options than Allianz.

• Guaranteed lowest price on policies from 12 different insurers
• In business for 20+ years

QuoteWright is one of several travel insurance websites that provides policy quotes from a variety of insurers: 12 here, to be exact. Many of them can be found in a standalone review, such as RoamRight, Seven Corners, and Travelex. QuoteWright guarantees that you won't get a lower quote on any of the travel insurance plans they sell, even if you go directly to the insurers themselves. Of course, with insurance prices being regulated by the state, that's not exactly hard for them to guarantee.

Relatively easy quote process

You'll be asked the standard series of questions here to get a quote on your travel insurance coverage: state of residence, destination, trip type, departure and return date, number of travelers, whether or not any payments have already been made, and the prepaid trip cost (either per traveler or the total). When we entered the details for our case study travelers (going to Mexico in six months, total trip cost of $3,000 for two 35-year-olds), we were given seven different policies to choose from, ranging in price from $136 to $286.10. The included insurers were Generali Global Assistance, Travel Insured International, and Travelex.

Use filters to sort the way you want

The policies defaulted to a display from least to most expensive, and the short summary was set to show the Trip Cancellation benefits for each plan. If some other coverage is more important to you, such as Cancel For Any Reason or Travel Delay, you can select that instead. Finally, you can either click to view any plan's details or select two or more to compare (which is probably our favorite way to look at policies because it gives you at-a-glance info on all of the available benefits, add-ons, and coverage).

Don't be confused by low ratings

One part that may confuse you as you browse the travel insurance policies in your results list is the QuoteWright rating. A low rating doesn't mean that the insurer is bad: it's just an indication of how favorably that particular plan compares with the rest of them in your list, or how much value you'll get for your premium.

No complaints at the BBB

We were glad to see that QuoteWright has an "A+" rating and accreditation from the Better Business Bureau. Better yet, there were no complaints filed there: an impressive feat for a company that's been around for more than two decades.

Not much user feedback

Otherwise, there isn't a ton of feedback for this travel insurance referral service. Do people get policies they love? Maybe, especially given that no one complained to the BBB about their experience, but that's not a lot to go on.

Not the best comparison site

QuoteWright isn't a terrible place to start your search for travel insurance, but there are other referral platforms that are much more comprehensive: more insurers, a wider range of policies and coverage, and more input from customers about those policies and their overall impressions when using the service. We didn't spot any red flags here, but you'll probably get more from one of our higher-ranked travel insurance companies.

• 3 main travel insurance policies available, with add-ons like Name Your Family bundling and coverage for Adventure Sports and Destination Weddings

Travel Guard is one of the most widely-used, travel agent-recommended insurance companies in the industry. Millions of leisure and business travelers alike use this company for emergency travel services, medical assistance, and other travel-related problems.

Policy names and inclusions have changed

If you've used Travel Guard before, things may be different now from what you remember. No longer named as Platinum, Gold, or Silver plans, the travel insurance policies here are now called Deluxe, Preferred and Essential - with slightly different coverages and new add-ons for adventure sports, destination weddings, and more.

No surprises in the quote process

Let's take a look at how those plans were offered for our sample traveler profile: a one-week trip to Mexico about six months in the future, with two 35-year-olds spending a total of $3,000. We had to start by entering our destination (though we liked that Travel Guard had quick buttons for the US, Mexico, and Caribbean as top locations), then indicating if we were taking an airplane, cruise, or neither. As we went through the standard questions - travel dates, number of travelers - we noticed the same wrinkle as our last review: to get an online quote, all travelers have to live in the same state of residence. In other words, if you're planning a family trip and your sister lives in Oregon, your brother is from Maine, and you live in Georgia, each of you will need to get a separate Travel Guard policy. However, that's an exclusion frequently found with all travel insurance sites - because prices are regulated at the state level.

Glitchy website = wasted time

However, that wasn't the only issue As we tried to enter the birthdates of the travelers in our fictitious party (not just the ages, as required by most sites), we kept getting an error asking for the date in a different format. No matter how we tried it, even using the little calendar icon and scrolling through to click on the appropriate birthdate, it wouldn't accept it. It took us nearly five minutes just to get the dates to go through (and we still have no idea what the site finally accepted, because the date looked exactly the same every time).

Keep an eye out for add-ons

We eventually got a quote of $102.50 for Essential, $197.27 for Preferred, and $339.76 for Deluxe. The biggest differences among the three plans were the coverage amounts and not the included items themselves. For example, medical expenses are covered up to $100,000, $50,000, and $15,000, respectively. We were surprised that only Preferred and Deluxe have the possibility of including Cancel For Any Reason, and you still have to pay for it as an upgrade. That optional coverage and all other options - Pet Bundle, Wedding Bundle (if your trip is for a wedding that's canceled; doesn't apply if you're the bride or the groom), Adventure Sports inclusion, and so on - will be displayed and can be included once you've chosen your base Travel Guard plan.

BBB gives it an "A+" despite 1,200+ complaints

The Better Business Bureau gives Travel Guard an "A+" rating and accreditation. There were over 1200 complaints filed there, which isn't too surprising considering how much of a market share this travel insurance company has (with thousands upon thousands of policies issued every month). The BBB's rating means you can trust that if you have an issue, it will be addressed and resolved appropriately.

Claims are frequently denied

That being said, it's discouraging to read through complaint after complaint (on the BBB site and elsewhere) describing how often Travel Guard denies claims. It doesn't even seem to matter what the cause is - airline cancellations, lost baggage, you name it - there are too many times when either something that should be covered isn't, or the policyholder had been led to believe that they had coverage when they actually didn't.

Claims process is a chore

Plus, communication from Travel Guard during the claims process is almost nonexistent - and that squares up with our own experience; making a claim for 8 non-refundable plane tickets canceled during the early days of the pandemic, we were only reimbursed in part for a few of them (with Travel Guard incorrectly claiming that the airline had refunded the taxes and fees), and it was rare for us to get any kind of update. It was a pleasant surprise when we received any money back at all - and even that trickled in sporadically, despite making claims on all eight tickets at the same time.

Not our top choice for travel insurance

We're disappointed to have to give Travel Guard such a low rating: many travel agents still recommend this company as their bread-and-butter insurance choice, after all. However, the overall customer experience - including our own - just isn't consistent enough to rank Travel Guard any higher than "barely average" .

• Many different travel insurance types: domestic and international trips, travel medical, student travel, group travel, annual coverage for multiple international trips, and health insurance for visitors to the USA
• In business for almost 30 years

Headquartered in Indiana, Seven Corners is a privately-held travel insurance and benefit management company serving the global market. You'll find a wide range of travel insurance types here, including domestic and international trips, travel medical, student travel, group travel, annual coverage for multiple international trips, and health insurance for visitors to the USA.

Not difficult to get an initial quote

It's relatively easy to use the Seven Corners site to find the right insurance for the travel you're planning. Indicate if you live in the US and if so, which state. In our case study of two 35-year-old travelers spending a week in Mexico six months out from the date of the quote, we then had to indicate that we were traveling internationally and we were given three options:

• RoundTrip: designated as the best option for most travelers, it protects nonrefundable trip costs for delay, interruption and cancellation; baggage delay or loss; medical expenses and medical evacuation. Our quote was $116 for Basic and $208 for Choice. Cancel For Any Reason could be added for an additional premium, and only the Choice plan included a waiver for pre-existing conditions. It's also important to note that the medical coverage on Basic was secondary (only pays after your regular health insurance has paid) while the Choice plan had up to $500,000 in primary medical coverage.
• Travel Medical: offers high levels of medical coverage for expenses and evacuation. COVID-19 coverage only included with the Plus plan add-on. This was priced at $22.40 for Medical Basic, $24 for Medical Choice, and $31 for Medical Plus. It was interesting that the highest tier, Plus, wasn't available to travelers older than 74 (but the other two covered any age). You'll definitely want to make sure this limited plan will meet your needs, especially if your trip involves flights or other non-refundable aspects.
• Wander Frequent Traveler Plus: cover multiple trips under a single annual travel medical insurance plan. This is a super-specialized type of insurance that only covers medical expenses over multiple trips within a year. You specify the effective date and the deductible you'd like to pay per trip ($0, $250, $500). Getting a quote here didn't really fit our sample travelers, and we noticed that on this plan, it assumes a second traveler is either your spouse or your child. A premium of $1170 for two people is an average price for this type of policy.

Time-consuming to re-enter information

It was a little clunky having to go back and re-enter our travel information for each policy type. We would have preferred to enter our details just once (such as traveler ages and destination country) and have it apply across all of Seven Corners' travel insurance offerings.

Top marks from the BBB

The Better Business Bureau gives Seven Corners its highest rating, an "A+" with accreditation. There were 84 complaints filed there in the three years leading up to this review, but the BBB's rating indicates that all of them were responded to appropriately and in a timely way.

Way too long to process claims

That's a little different from what we found elsewhere, and unfortunately not much has changed since the last time we evaluated Seven Corners: you'll get your policy quickly and the customer service team will be right on top of answering any questions you have. But if and when you actually need to make a claim, you'd better round up your patience - because the average time to process them was about 100 days at the time of this review. People are saying that filing the claim and seeing that it's been accepted for evaluation takes time, waiting for it to be accepted adds even more time, and then payouts may or may not happen.

Nice coverage options, but not quite enough service

We have to keep Seven Corners as one of our lower-ranking travel insurance companies: although we like that they offer coverage for both single trips and annual plans, that's no advantage if the claims process is a gigantic hassle. Keep Seven Corners as a last resort if you don't find the coverage you need with a more customer-friendly insurer.

• Geared towards backpackers, long-term travelers, and other adventurers
• Two policies to choose from: Standard and Explorer
• All policies underwritten by Nationwide Insurance
• Emergency assistance provided by Generali
• In business since 2002

World Nomads has been in operation since 2002. As you might guess from their name, this travel insurance company has a strong focus on exploring the globe - and protecting adventurers with simple and flexible policies. You may appreciate their commitment to giving back to the places travelers visit through micro-donation opportunities when you purchase coverage. And, given that World Nomads gets the endorsement of Eurail, Hostelworld, TourRadar, and Intrepid, it's obvious that this service is most used by backpackers, explorers, and other adventurous sorts - and maybe not the family of six taking their first trip to Disney World.

Fewer questions than most sites

To get a quote here, you'll start by entering your country of residence. You'll indicate your travel dates and destination(s), the number and ages of the travelers. For the sample profile we used - two 35-year-olds going to Mexico for a week, approximately six months out from the date of our quote - we were offered the choice of two policies. As a side note, it was surprising not to be asked for the total trip cost, the date we made the first payment, or if we had already paid in full.

Some important options aren't available here

World Nomads' policies are underwritten by Nationwide, and there wasn't much that impressed us between the Standard Plan at $122. 85 and the Explorer Plan for $197.88. Neither one included protection for pre-existing medical conditions or the ability to cancel for any reason - and there was no opportunity to upgrade or add on those coverages. Also note that if you need emergency assistance while traveling, that will be fulfilled by Generali; both Nationwide and Generali are often quoted by other travel insurance websites, and you can be assured that they're well-respected in the industry.

Lots of included adventure sports

If you're planning on participating in activities, sports or other adventures while traveling, make sure to click on the link for the "over 200 adventure sports and activities" to see if it'll be covered under the plan you're considering. For example, scuba diving to a depth of 165 feet is covered under both the Standard and Explorer plans, but deeper than that or cave/cavern diving requires the Explorer plan. The only activities we saw that are completely excluded here are Base Jumping, Mountaineering over 22,965 feet (7,000 meters), and working as a Mountain Guide.

Love/hate relationship with customers

How about reputation? World Nomads had received an "F" from the Better Business Bureau at the time of this review. The BBB said that rating was because the company had 23 complaints filed, and 15 of them received no response. That's never encouraging. In looking at the feedback for this travel insurance in other places, sentiment was fairly mixed. While 1,000+ clients gave World Nomads a perfect five-star rating, nearly 600 gave it the lowest possible one-star score.

Customer complaints

Some customers struggle to get covered claims paid (like trip delays due to stolen passports), while others seem to breeze right through the claims process and get reimbursed quickly. At least the complaints outside of the BBB seem to get a response from World Nomads' representatives - but there isn't often any follow-up to know if the policyholders wound up satisfied with the answers they got.

Doesn't deliver what they promise

If you want an insurance policy from Nationwide, you might as well just go directly to their site to buy it - or use one of the travel insurance comparison sites in our evaluation and see if that's really the best insurer for your travel situation. We're all for promoting world exploration and the peace of mind that comes with insurance coverage, but World Nomads just isn't doing a great job of providing that.

• Referral service offering policies from several different insurers
• Can get a personalized travel insurance policy recommendation from an expert, not just a computerized quote
• In business for more than 20 years

Travel Insurance Center is one of several services in our review that offer policy quotes from various insurers. In business for more than two decades, this company wants to help you find the travel insurance that's the best fit for your journey and your budget.

Get a quote online or speak with a rep

There are two ways to get a travel insurance quote here: use the Policy Picker to get a quick recommendation, or fill out the form under "Get an Expert Recommendation" to speak with a rep and get coverage tailored to your needs. We used the Policy Picker to get a quote for the travel scenario we applied across all insurance platforms: two 35-year-olds traveling to Mexico for a week, about six months out from the date we made the request.

Unusual questions and options in the quote process

The questions that Travel Insurance Center asked surprised us. Instead of specifying the exact destination, we only had to say if it was domestic, international, or both. We were also confused that we had to choose if we were interested in protecting our trip cost or something else, like travel medical coverage or emergency evacuation; what if we wanted "all of the above" ? There was also a somewhat strange dropdown under the "Search Plans" button that offered to let us browse their most frequently-searched plans - which included mysterious options like "Defense Base Act Insurance Plans" and "War Risk/High Risk Travel" .

Difficult to get quotes or prices

And that's where we ground to a halt. Every time we tried to search for plans, we got a message saying that our session had timed out and we should try a new request. Each time we did, we got the same result. Could that be connected to the fact that the main URL of the site wasn't secured (which was an internet-wide protocol several years prior to this review)? It took a lot of back-and-forth to finally get the site to render any quotes. We were finally given seven policies to choose from: three from Trawick International, two from IMG, one from Insuractive, and one from Travel Insured. Much to our aggravation, clicking on any of those policies took us to the insurer's main page, where we had to enter our information all over again. Also, only one of the plans had a price quote ($111.73), while all of the rest simply said "See Details" .

Hard to determine the company's background

Trying to research the background of Travel Insurance Center felt like a trip down the proverbial rabbit hole. Looking at the bottom of the page, we saw that the service belongs to a company called Senior Market Sales: an insurance marketing organization that helps agents and financial advisors make more money. Hmmm... Then we found an announcement that SMS was acquired in 2020 by Alliant Insurance Services, an insurance and employee benefits consulting firm. Alliant itself has an "A+" with the Better Business Bureau, but we're not sure that really reflects the performance of the travel insurance arm of the company.

No new ratings

Outside of the BBB, we found a surprising number of five-star reviews for Travel Insurance Center - but none of them were newer than 9 months old. Those high ratings definitely didn't reflect our experience during the quote process, and your experience will depend more on the insurer you wind up with than on TIC itself.

Don't waste your time here

While we can definitely appreciate the convenience of getting multiple travel insurance quotes with a single request, this service doesn't even come close to measuring up with similar referral platforms we evaluated. We can't think of one good reason why anyone would spend their time getting a policy quote from Travel Insurance Center instead of using a different comparison service - or just going to an insurer directly.

• Based in Ireland

Axa Travel Insurance has been in operation for more than 20 years. Headquartered in Dublin, Ireland, the company handles more than 14 million assistance cases per year.

Not so impressive

Straight out of the gate, we feel we should tell you to expect a difficult experience all around if you try to use Axa for your travel insurance. We've got nothing against companies not headquartered in the US, but when you have to place an international call to get further information (or to make a claim), that's already a huge hurdle. Once you finally track down their "store" for US-based travelers, it's still hard to get impressed; at the time of this review, the site's copyright was over two years out of date.

Very few policy options

Still, we forged ahead with our sample profile (a trip six months in the future for two 35-year-old travelers visiting Mexico with a total trip cost of $3,000) and got a quote for one travel insurance policy: Silver, priced at $106. That plan included $25,000 in emergency accident and sickness medical expenses, but offered no pre-existing conditions waiver or the ability to cancel for any reason. This travel insurance policy seemed to cover the bare minimum, and we were frustrated by not getting any other options. Your search could be different, but our results here definitely didn't compete with other services we reviewed.

BBB gives it a "C" for not responding to complaints

We weren't really excited to see that Axa Travel Insurance had a "C" rating from the Better Business Bureau at the time of our review. That lower-than-average rating was from the insurer's failure to respond to two complaints and to resolve two others, out of the 21 in total that were filed over the last three years. That's not a huge red flag, but we can't think of a good reason why Axa would choose not to address those issues.

No one seems to have a good experience here

Sadly, client feedback in other places mirrors this negative impression. Out of nearly 500 ratings, a full 91% said that their experience with Axa wasn't just average or poor but full-on bad: a one-star rating. Here's a sampling of their complaints: "over 2,000 minutes on hold over the last few weeks" , "three months ago I made a claim... with no communication since" , "awful customer service" , and "no money paid into my account even after waiting seven months to get a settlement letter" . Money only seems to go one way when you buy an Axa travel insurance policy - and that direction isn't in your favor.

Don't buy this travel insurance

Are you surprised that this is our lowest-ranked travel insurance company? Not only are you limited to their own brand of coverage, but those plans give you much less for your money than other insurers. Add the abundance of 1-star ratings for Axa and it's absolutely no wonder that this is our least favorite choice among the travel insurance options in our review. Avoid Axa Travel Insurance and go with a different service.

Continued from above...

And, even if you do have that kind of protection, travel insurance policies can amplify your benefits. For example, if you choose a plan that offers $500,000 in primary medical coverage, you might not need to touch your regular health insurance: your bills will be reimbursed up to that amount, no matter what your everyday health plan includes. Car rental insurance can go above and beyond what's paid for by your credit card company or even your own vehicle's coverage - and that can be critical if you're driving in another country and have an accident.

What type of travel insurance do you need? Naturally, that depends on your trip, your travel party, and your budget. A single-trip policy will be more affordable than multi-trip coverage - but if you're traveling internationally more than once in a year, the annual policy becomes much more economical. Do you need to be able to cancel for any reason? Is it important to you to have a waiver of the pre-existing conditions exclusion? Are there any children under 18 in your party that might be included at no extra charge, depending on the insurer you select? These are all factors that will influence your decision when picking a travel insurance plan.

Confused yet? You do have a lot of options. Here are some criteria to help you sort through them and ultimately wind up with the travel insurance coverage you need:

• Quote process. How easy is it to get a quote that matches your insurance needs? Does the site explain the questions it asks, and does it display all of the possible plans in a way you can understand? Can you buy your policy right then and there, or do you have to click through to another site?
• Value. What's included for your premium? From one site to another, you will probably see the same price on any given plan because the states regulate travel insurance prices. However, it's worth your time to compare premium prices and benefits among different insurers, so that you get the most for your money.
• Reputation. It's easy for an insurance company to get high marks from customers if they never had to make a claim on the policy. What do clients who've filed claims say about the way they were treated? Were they reimbursed quickly? Did they get updates about the status of the claim? It's also good to check the Better Business Bureau's rating of any travel insurance service you're going to use.

To help you get the protection you need on your next adventure, TopConsumerReviews.com has evaluated and ranked today's most popular sources of travel insurance. We're confident that this information will make it easy to protect yourself and what you've spent on your trip - and to have backup if something goes off track on your journey. Bon voyage!

Travel Insurance Plan FAQ

What is travel insurance, what does travel insurance cover, what does travel insurance not cover, can i get travel insurance if i have a pre-existing medical condition, is travel insurance expensive, my chocolate is going someplace warm. will it melt, where can i buy travel insurance, is it safe to get travel insurance online, when should you buy travel insurance.

If you're making plans for your vacation or your family's vacation, you need to determine whether you want to purchase travel insurance. Travel insurance may be another expense, but it can be well worth it so that you're covered in case of an emergency or problem.

Not many years ago, few people purchased travel insurance. However, that's changing fast. In fact, according to the U.S. Travel Insurance Association, in the last 10 years the percentage of American travelers purchasing travel insurance increased from 10 to 30 percent. Travelers purchase insurance for a few reasons including protection against unexpected events, loss of the financial investment in the trip, and peace of mind.

Like many things, travel insurance can cover a wide variety of problems and will reimburse your costs for many situations. But you should know what type of insurance you need for your specific situation.

Here are a couple of tips on when you should buy travel insurance.

• You should consider buying travel insurance anytime the cost of the trip is more than the cost of the insurance. For example, if you're purchasing a $75 nonrefundable airline ticket, you probably don't want to invest in travel insurance that protects you from trip cancellation or interruption. However, if you've purchased a cruise vacation or all-inclusive resort stay for $3,000 - $10,000, you may want to protect that investment by purchasing travel insurance just in case you have to cancel due to illness, family emergencies, or other reasons. Travel insurance packages can also protect you in case the cruise line or resort experiences financial problems, such as going out of business between the time you pay for the trip and the time you get there. Be certain not to purchase this insurance from the cruise line or resort, as your coverage will be worthless if they go out of business.
• You should purchase travel insurance whenever you travel outside the U.S. Whether you're traveling by cruise ship or by airplane, your health insurance may or may not cover any medical expenses you incur outside of the United States. This includes travelling on "foreign-flagged" cruise ships. If you're travelling in U.S. waters on a foreign-flagged cruise ship, your medical insurance may not cover you if you become sick or injured. Travel insurance companies that offer medical coverage can also help facilitate any medical payments needed while in a foreign country, act as your advocate, and help cover costs associated with transporting you back home for medical reasons.

There are a variety of reasons to purchase travel insurance and a variety of options to cover you and your vacation. Be sure to look for a travel insurance policy from a dependable company so that your vacation investment is protected, and you can relax and enjoy your trip!

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Best travel insurance companies for 2024.

Our evaluations and opinions are not influenced by our advertising relationships, but we may earn a commission from our partners’ links. This content is created independently from TIME’s editorial staff. Learn more about it.

Planning to travel in 2024? You're not alone. According to the U.S Travel Association , a trade group, travel has bounced back after the pandemic, with Americans forecasted to spend a staggering $1.09 trillion on domestic and international travel this year. This surge, however, comes with its challenges, as travel costs have soared to unprecedented heights, fueled by increased demand and price inflation.

In this era of heightened travel expenses, safeguarding your journey is paramount. Enter travel insurance, a crucial shield against the uncertainties that may arise during your adventures. To help you navigate this crucial decision, we've compiled a list of the best travel insurance companies. Join us as we explore these top choices, ensuring your travels are not only memorable but also financially protected.

Compare the best travel insurance companies 2024

Our recommendations for the best travel insurance companies, best for adventure enthusiasts: travelex.

Travelex Travel Insurance

The Travelex “Basic” plan provides $15,000 of medical and $10,000 of trip cancellation coverage. These coverage amounts are lower than those offered by other companies in our review. However, higher limits are available by selecting the company’s “Select” plan.

Among its upgrade options, Travelex offers adventure sports coverage for those whose itinerary includes such adrenaline-rush activities as zip lining, skydiving, or mountain climbing. This coverage can be added to any Travelex plan.

It’s also worth noting that Travelex is one of the highest-rated travel insurance providers on Trustpilot , having earned 4.1 out of five stars (as of Feb. 14, 2024). One recent reviewer noted, "I've always been skeptical of trip insurance and all the promises of straightforward claim processes, but I was blown away with how responsive, simple, and logical the Travelex was. I decline all trip insurance for any travel booking I do now and only use Travelex. Cheaper, more efficient, less red tape. What's not to love?”

Best standard coverage package: Generali Global Assistance

Generali Global Assistance

‌ Generali Global Assistance is a European company with insurance services focusing on travel and identity protection. Its “Standard” plan for travel insurance provides $50,000 of medical expense coverage and trip cancellation coverage for 100% of the insured value.

The plan also includes travel delay, baggage damage, baggage delay, and missed connection coverage. Options such as rental car collision damage and upgrade plans allow you to travel with even more coverage.

Generali has 3.4 out of five stars with Trustpilot (accessed Feb. 14, 2024).

Best for “cancel for any reason” coverage: AXA Travel Insurance

AXA Travel Insurance

Many American consumers may not immediately recognize AXA Travel Insurance , but the company is a multinational financial services giant headquartered in France. Its “Silver” plan—AXA’s entry-level travel insurance offering—includes coverage for $25,000 of emergency medical expenses and 100% of the insured trip cost if the trip is canceled. Additional coverages include trip delay, missed connection, medical evacuation, and baggage coverage.

The company’s “Platinum” plan provides “cancel for any reason” trip cancellation coverage. This means you can cancel your trip for any reason—personal, professional, medical, family, or other—and expect to receive reimbursement. This contrasts with standard trip cancellation coverage, in which the cancellation must be for one of the specific reasons stated in the policy contract. The “Platinum” plan also includes higher amounts of emergency medical expenses and other coverages.

AXA has 2.9 out of 5 stars in its Trustpilot rating (accessed Feb. 14, 2024).

Best for spontaneous travelers: AIG Travelguard

AIG Travel Guard

AIG is a leading global provider of insurance for both individuals and businesses. Its Travelguard “Essential” plan offers $15,000 of emergency medical coverage and trip cancellation coverage for 100% of the insured cost of the trip. Higher coverage amounts are available with the company’s “Preferred” and “Deluxe” plans.

‌ AIG Travelguard also offers its unusual “Pack N’ Go” plan, designed for last-minute travelers who don't need trip cancellation coverage. This plan includes up to $1,000 of trip interruption and $25,000 of medical expense coverage, along with coverages for trip delays, missed connections, and lost luggage.

AIG promises quotes on its website in less than two minutes, making it easy to include Travelguard in your comparison shopping. Travelguard has 1.7 out of 5 stars on Trustpilot , though this is based on only 64 reviews (accessed Feb. 14, 2024).

Best for international travel: Allianz

Allianz Travel Insurance

Traveling outside of the U.S.? You’ll want to work with an insurer that offers not only robust coverage, but a variety of plans and options that can fit your needs. Allianz Global Assistance (Allianz Travel) is one such company.

Its “Basic” plan includes $10,000 of both trip interruption and emergency medical expense coverage. The company offers several plans with higher coverage, along with an “Emergency Medical” plan focused primarily on medical coverage. Allianz also offers several annual policy plans for those who intend to travel multiple times a year. And if you’re considering renting a car during your international trip, you can add an optional damage and theft coverage.

The company’s “OneTrip Prime” plan extends coverage for free to children under age 17 who are traveling with a parent or grandparent, making it ideal for international family vacations. Allianz claims the plan is its most popular, with up to $100,000 of trip cancellation and $50,000 of emergency medical coverage.

‌ Allianz earns 4.4 out of five stars in its Trustpilot rating (accessed Feb. 14, 2024), including 75% five-star reviews.

Best for medical coverage: Seven Corners

Seven Corners

Medical expense coverage is an important feature of travel insurance. This is especially true if you journey outside of the U.S., where your personal health insurance may not provide coverage.

‌ Seven Corners is an excellent choice for those seeking generous medical coverage in a travel insurance plan. Its Basic policy provides up to $100,000 of emergency medical expenses, which is more than any other plan in our review. It also provides up to $250,000 of coverage for emergency evacuation, which helps reimburse your costs of transportation to a qualified medical facility if you have a serious illness or injury during your trip.

‌ Seven Corners has a Trustpilot rating of 4.2 out of 5.0 stars (accessed Feb. 14, 2024).

Best for luxury travel: Berkshire Hathaway

Berkshire Hathaway Travel Insurance

Berkshire Hathaway is one of the country’s largest companies (currently seventh on the Fortune 500). It’s also the parent company of auto insurance giant GEICO.

Berkshire Hathaway’s “ExactCare Value” policy plan includes $15,000 of medical coverage and trip cancellation coverage of 100% of the insured value of the trip. The plan also includes coverage for lost baggage, baggage delay, trip delay, and emergency evacuation.

Berkshire Hathaway offers a specialized insurance plan for luxury travel. This plan features higher medical and trip cancellation coverage limits, $2,500 worth of lost baggage coverage, $35,000 of car rental collision coverage, and 24/7 worldwide travel assistance.

Berkshire Hathaway Travel Insurance does not currently have a Trustpilot rating (accessed Feb. 14, 2024).

Best for cruises: Nationwide

Nationwide Travel Insurance

Nationwide is one of the country's most recognizable insurance brands, with policies available for homes, cars, and businesses. The company also offers travel insurance.

Its “Single-trip Essential” travel insurance plan provides $75,000 in medical emergency coverage. This is the most coverage of any of the companies in our review. Nationwide’s $10,000 limit for trip cancellation is lower than that of other plans, however.

Higher limits are available with its “Prime” plan, along with a cancel-for-any-reason option that pays 75% of the insured trip cost. The plan also includes a variety of additional coverages, such as trip delay, baggage delay, emergency medical evacuation, and optional rental car coverage.

Nationwide also offers a separate, specialized travel insurance policy for those embarking on cruises . Besides expected coverages such as trip cancellation and emergency medical, it covers itinerary changes, mechanical breakdown, and missed connections.

Nationwide has earned 1.5 out of 5 stars in its Trustpilot rating, based on only 42 reviews (accessed Feb. 14, 2024).

Best for amateur athletes: Tin Leg

Tin Leg Travel Insurance

Tin Leg travel insurance policy plans are underwritten by Berkshire Hathaway and other companies. Its “Economy” plan includes trip cancellation coverage at 100% of the insured cost and $20,000 of emergency medical coverage. The company offers a variety of additional travel insurance plans with varying levels of coverage.

If you’re traveling to participate in a sports event and bringing your expensive gear, Tin Leg could be a great choice. Its “Economy” plan includes coverage for loss of, or damage to, sporting equipment (such as a bicycle or skis). It also reimburses your event registration fees if your trip is canceled or interrupted.

Tin Leg has a Trustpilot rating of 1.5 out of 5 stars (accessed Feb. 14, 2024), though this is based on only 26 reviews.

Methodology

To develop our recommendations, we gathered information about several leading travel insurance providers from their websites and third-party reviews, where available. We focused on the range of essential coverages, including emergency medical coverage and trip cancellation coverage, along with the availability of 24/7 customer support during travel. Where it existed, we noted each company’s policy cancellation terms.

We reviewed the most economical plan for each company that included both medical and trip cancellation coverage. We also noted optional coverages and upgraded plans that provide higher levels of coverage or specialty coverages for niche travel.

Policy cost information is based on a party of two U.S. travelers, age 30, traveling to the United Kingdom for seven days, and a total trip cost of $6,000. Quotes were obtained on each company’s website.

This information is for comparison purposes only. Please verify policy details before purchasing.

How to select the best travel insurance company

Follow these tips to choose the best travel insurance company for your needs.

Determine your needs

Your travel insurance needs for a Caribbean cruise may differ significantly from those for a backpacking trip through the Swiss Alps. Your first step should be to outline your travel expense budget and list the activities in which you plan to participate (note that some policies include optional coverage for certain activities, such as adventure sports). Also, consider your health status, as some policies require you to pay extra for certain pre-existing health conditions.

Investigate your travel insurance options

Check if you might already have some travel insurance readily available to you. Some credit card companies offer coverage if you use their card to pay for your trip. Coverage may also be available from a tour operator or an airline. You can also get recommendations from a travel agent or an independent insurance agent.

Compare available features and coverage amounts

You'll discover that each travel insurance provider offers varying levels of standard coverage, such as trip cancellation and emergency medical expense, along with optional coverages. They typically also offer multiple plans (think "good," "better," and "best"). Review these and select a few providers that offer the coverages you need.

Get quotes from multiple companies

As with any other type of insurance, travel insurance costs vary among companies. Check with at least three or four to ensure that you're getting the coverage you want at a price you can afford.

Time STAMP: Travel is more expensive than ever. Protect your trip with travel insurance

Business and pleasure travel alike have bounced back from the pandemic. However, traveling has also become much more expensive, thanks to inflation and increased demand. If you plan to head to some far-off destination—whether by air, road, rail, or ship—consider buying travel insurance. A policy reimburses covered medical costs, trip interruption, and other snags that may befall your trip.

Frequently asked questions (FAQs)

How is your travel insurance cost determined.

Your travel insurance cost will vary based on the amount of coverage purchased, the number of travelers, the age of the travelers, and your trip destination. Travel insurance costs also vary by insurance company, underscoring the need to shop around for coverage.

Which travel insurance coverages are available?

Travel insurance policies typically include the following coverages.

• Emergency medical expenses . This helps cover the cost of care if you or anyone insured by the policy has a medical emergency during your trip.
• Trip cancellation . This covers the cost of your trip if it's canceled due to one of the reasons listed on the policy contract. You may also have an option for "cancel for any reason," which provides coverage if the trip is canceled, regardless of the reason why.
• Trip interruption . This covers costs related to a shortening of your trip. These costs might include reimbursement of prepaid hotel bookings, airline change fees, or extra accommodations needed during your trip home.
• Emergency medical transport . This covers the cost of transportation to the nearest medical facility if you have a medical emergency during your travel.
• Luggage damage . This provides coverage if your luggage is damaged or lost during travel.
• Travel delay . This covers costs associated with a significant delay to your travel, including additional accommodations and meals.

I’m concerned about getting sick while traveling. What insurance should I look for?

If you’re concerned about getting sick, be sure to choose a policy that includes coverages such as emergency medical (which helps pay for your medical expenses) and emergency medical transport (which helps pay for transportation to a hospital).

Do I need travel insurance for a cruise?

Travel insurance is worth considering for a cruise. As insurer Allianz notes, a policy can help you recoup costs if you need to cancel at the last minute, have a medical emergency while on board or at a stop (regular health insurance may not provide coverage outside of the U.S.), or if you miss the ship all together due to a delay by your airline.

Is there travel insurance for multiple trips?

If you’re planning to take multiple trips in a single year, you might want to consider multi-trip insurance (also called “annual” travel insurance). This type of policy typically provides trip interruption, emergency medical expense, trip delay, and other coverages at a price that’s less than buying a policy for each trip.

How do I file a travel insurance claim?

If you need to file a travel insurance claim, call the insurance company. Each company has its own process for claim filing. You'll want to be sure you have the proper claim forms and understand what supporting documentation the company requires. Be sure to follow the company's instructions for submitting your claim request.

How long does it take for a travel insurance claim to be paid?

It can take several weeks for a travel insurance claim to be paid. Be sure to watch for any follow-up requests from your insurer (such as requests for additional documentation) and respond promptly to avoid unnecessary delays.

Does my credit card offer travel insurance?

Some credit cards do offer varying levels of travel insurance, including trip interruption, medical expense, trip delay, and emergency evacuation coverage. Check your credit card terms and conditions or benefits statement to understand what coverage may be provided.

The card_name card offers one of the best portfolios of travel insurance benefits, including $100,000 of emergency transportation coverage, $2,500 of emergency medical and dental coverage, and up to $20,000 of trip interruption coverage.

The information presented here is created independently from the TIME editorial staff. To learn more, see our About page.

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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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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

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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• Frequent and spontaneous travelers will likely benefit from annual travel insurance policies.
• Your credit card may come with some travel protections, but it may not be enough.
• When choosing a policy, look at what it covers, not just what's cheapest.

Summer is just a few months away — and if you're planning a vacation this year, the last thing you want is an unexpected event to derail your plans (and cost you hundreds).

Flights get delayed or canceled constantly. Luggage disappears into the ether. Medical emergencies occur in remote destinations. Yet many jetsetters simply cross their fingers and hope for the best rather than prepare for the worst.

That's why, as a financial planner, I believe it's crucial to consider protecting your trips with the right insurance coverage. One option often overlooked, particularly by frequent travelers, is annual travel insurance .

Annual travel insurance covers all your trips within 365 days. Unlike stand-alone travel insurance, which only covers you for a specific trip, an annual policy covers any trips you take within the year.

That's why I tell clients who travel frequently that an annual policy is a good choice for their needs. By opting for an annual plan, you don't have to go through the hassle of booking multiple policies and potentially save money compared to purchasing individual trip coverage. Here's how it works.

What to look for in a policy

While specifics may vary depending on the insurer and plan tier, most include the following key benefits:

• Trip cancellations or interruptions: You may be able to get reimbursed for expenses (even nonrefundable ones!) related to an illness, injury, or natural disaster that forced you to cancel or cut your trip short.
• Emergency medical and dental care: If you fall ill or get injured while traveling, your insurance can help cover the cost of medical treatment.
• Emergency evacuation: In a serious medical emergency or security situation, your policy will arrange and pay for transportation to a hospital or back to your home country.
• Lost, delayed, or damaged baggage: If your luggage is lost, delayed, or damaged during your trip, you can get financial coverage for essential items while you wait for your stuff to be recovered or replaced.
• Trip delays and missed connections: When your travel plans are disrupted due to issues like mechanical problems or severe weather, you may get reimbursement for additional expenses incurred, like meals, lodging, and transportation.

It's important to note that annual travel insurance plans have limitations. Certain high-risk activities, pre-existing medical conditions, and travel to specific regions may be restricted or require additional coverage.

Some travelers may assume that their credit card's built-in travel protections are enough. While many travel rewards credit cards offer perks like rental car insurance, trip cancellation, and baggage reimbursement, the coverage limits are often much lower than a dedicated annual travel insurance plan.

Credit card coverage for emergency medical care is also particularly limited — capped at a few thousand dollars — which may not be enough in the face of a major international medical emergency.

How much travel justifies an annual plan?

For the occasional traveler who takes one or two trips a year, single-trip policies will probably work for you. But if you fall into any of these buckets, you may want to consider an annual policy:

• Regular international travelers (three or more trips abroad yearly)
• Road warriors frequently away for work
• Adventurers engaging in high-risk activities like heli-skiing, scuba diving, or mountain climbing
• Cruisers and tour group travelers
• Students or retirees taking extended trips throughout the year
• Those visiting developing countries with limited medical care

Annual plans cover all of your trips within a 365-day period after purchasing. They're basically a bundle of multiple policies into one package deal. This means you only have to buy one policy to manage, locking in your coverage for the year.

How to decide if an annual policy makes sense for you

Start by reviewing your travel plans this year — and your risk tolerance. Calculate how much buying individual travel insurance policies would cost you over the next year and compare it to the price of an annual plan.

Don't just focus on the premium — carefully evaluate coverage limits, exclusions, and deductibles to ensure you have enough protection for your needs.

An annual policy gives you the flexibility to take spontaneous trips without the hassle of obtaining last-minute insurance. More importantly, it provides peace of mind, knowing that you're covered for a wide range of travel disruptions and emergencies.

As the busy summer travel season ramps up, definitely explore protecting your trips with insurance, especially if you're jetting off internationally. Spending hours on the phone trying to rebook canceled flights or worrying about affording an overseas medical emergency is no way to vacation.

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