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7 Best Cheap Travel Insurance Companies in April 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Finding the cheapest travel insurance is often a priority for travelers hoping to protect themselves and their finances while away from home.

But is it better to err on the side of affordable travel insurance or opt for a more comprehensive plan? That depends on your needs .

On average, a comprehensive plan that covers some combination of trip cancellation and interruption costs, medical coverage and baggage protection (and perhaps a number of other things) will cost you 5%-10% of what you paid for the trip, according to NerdWallet partner Squaremouth, a travel insurance marketplace.

That means a comprehensive policy for a trip that costs you $3,000 could run you anywhere between $150 and $300. Factors like the cost and length of your trip, the age of the travelers and how much protection you want can significantly influence what you pay for your plan.

Ultimately, Squaremouth recommends “the least expensive policy that offers the coverage [travelers] need.”

» Learn more: The best travel insurance companies right now

Factors we considered when picking cheap travel insurance plans

We considered a few factors as we looked for the most affordable travel insurance plans.

Price: If your goal is to find cheaper travel insurance, you want the price to be affordable.

Breadth of coverage: The best budget travel insurance is typically going to be a plan that offers a wide range of protections at an affordable cost, ensuring you’re protected with at least some coverage for a wide range of scenarios.

Uniqueness or customizability : While many travel insurance plans have similar protections, some stand out for particular coverage that can be helpful to certain travelers, like those needing to Cancel For Any Reason , those going on a cruise, or travelers with preexisting health conditions. We didn’t spring for the priciest plans with broad, deep coverage; instead, we picked those that meet a sort of budget "sweet spot" when it comes to cost efficiency.

» Learn more: Is travel insurance worth getting?

An overview of the best cheap travel insurance plans

We looked at travel insurance quotes for a hypothetical 10-day trip to Italy in October 2023. The traveler is a 40-year-old man living in North Carolina who spent $2,000 on the trip, including airfare.

Reliable but cheap travel insurance providers

1. axa assistance usa (silver plan: $70).

Why we picked it:

The $500 missed connection benefit is great for cruise and tour participants. It covers additional transportation, accommodations and meal costs when you miss a cruise or tour departure.

Full trip cancellation and interruption coverage, along with up to $25,000 for out-of-pocket medical costs and baggage coverage.

Among the lowest prices we found.

If you’re willing to spend a bit more than AXA's $70 Silver plan, a Gold plan only costs $19 more and gets you deeper coverage amounts and up to $35,000 in collision rental car insurance.

2. Berkshire Hathaway Travel Protection (ExactCare Value plan: $56)

Cheapest plan we found while still offering a wide array of protections.

Includes a preexisting medical condition waiver.

Add-on rental car collision coverage optional for $10 per day. You can pick how many days you want the additional coverage — it’s not all or nothing.

At $56, this plan comes in at less than 3% of the $2,000 trip cost.

3. IMG (iTravelInsured Lite plan: $77)

Treats COVID-19 like any other illness, which is to say, if your claim accepts flu, strep throat or appendicitis as an acceptable, covered condition, the coronavirus is, too.

Covers costs related to trip interruption up to 125% 

Higher than normal limits on dental expenses, at $1,000. If your teeth are your Achilles heel (or your biggest fear), this plan might be for you.

The iTravelInsured Lite plan doesn’t offer some of the bells and whistles that other plans do, like rental car coverage , Cancel For Any Reason coverage or waivers for pre-existing conditions. But you’ll have relatively solid across-the-board trip protections.

4. John Hancock (Silver plan: $93 for a mid-tier plan)

Mid-level plan (as opposed to a basic plan) at an affordable price for travelers who want more coverage without paying too much.

Includes an optional Cancel For Any Reason add-on for travelers wanting flexibility. It is a bit pricey, at half the cost of the insurance ($46.50 extra for a $93 plan).

Reimburses up to $1,000 for lost baggage , far more than many basic plans.

Add-on rental car coverage for $9 per day.

At $88, John Hancock’s basic (Bronze) plan isn’t particularly affordable. But for just $4 extra, you can tap into the benefits of a mid-tier plan at still less than 5% of the total trip cost.

5. Nationwide (Essential plan: $76)

Includes a preexisting conditions waiver.

Add-on rental car coverage for $90. 

Covers trip interruption at 125% of the trip cost while providing comprehensive emergency medical and baggage coverage.

6. Seven Corners (Basic plan: $75)

On top of standard trip protections, it includes a relatively affordable Cancel For Any Reason option for $31.50 extra.

If you plan to rent expensive sporting equipment, you might consider paying $10 extra to cover lost, damaged, stolen or destroyed gear.

COVID-19 coverage reimburses you for costs incurred if you have to quarantine .

Rental car coverage comes in at an affordable $7 per day.

Seven Corners’ Basic plan stands out because it offers a little bit of everything, appealing to athletic travelers, those who need affordable trip protections, those who want the flexibility to cancel for any reason and those still concerned about getting quarantined due to COVID-19.

7. Travelex Insurance Services (Basic plan: $71)

Straightforward: What you see is what you get. This plan’s coverage has fewer rules and caveats than many. 

While not sporting the highest coverage amounts, it offers a solid range of protections to ensure you get at least something back when your travel is disrupted or you have a medical emergency.

Offers add-on rental car coverage for $10 per day.

At $71, the Travelex Basic plan’s cost is just over 3% of the $2,000 trip’s cost.

If you want to get travel insurance at the cheapest possible rate, here’s a trick. Put $0 as your trip cost, Stan Stanberg, co-founder of comparison site Travelinsurance.com said in an email.

“When excluding trip cancellation and trip interruption coverage the cost of a travel insurance plan goes down significantly,” Stanberg said.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical, trip delay , missed connection, baggage and other protections.

You’ll often find comprehensive travel insurance plans cost 5%-10% of your total trip cost, according to Squaremouth. This will often get you full trip cancellation and trip protection, baggage protection, emergency medical coverage and often other benefits.

Typically, the more you pay, the broader and deeper the coverage.

For many plans, you can purchase travel insurance up until you depart. However, to get access to the most protections possible, booking two days to two weeks after making your initial deposit is the best rule of thumb.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical,

, missed connection, baggage and other protections.

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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• Health Services

The Student Health Clinic offers the following services:

• General medical care
• Routine health exams
• Injury evaluations
• Immunizations
• Psychiatric services
• Travel consultations
• Allergy injections
• Lab testing
• Sexual Transmitted Disease (STD) testing
• Eating disorders management
• Gynecology/sexual health services

The Student Health Clinic does not provide ongoing management of chronic  illnesses. The Student Health Clinic healthcare providers will assist with arrangements for coordination of care for chronic illnesses.

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More Info About Services

• Appropriate treatment for acute illnesses and injuries, including communication with primary care/specialists, as needed
• Full lab services to complete ordered routine and follow up blood draws before your appointment with your primary care provider/specialists. 
• Diagnostic assessments and testing for many chronic illnesses. If needed, referrals will be made for further treatment and management of chronic diseases.
• Free sharps containers and sharps disposal
• Evaluation of diabetes risk or diagnose diabetes. Newly diagnosed diabetic patients are referred to a specialist either in the Cedar Valley or their hometown depending on student’s preference.
• Nurse-on-call service is available after clinic hours, weekends and holidays for medical advice by dialing 319-272-2600.

Resource Nurse

The resource nurse helps patients to determine the appropriate care of health problems through phone at 319-273-5161 or in-person visits. Nurse appointments are available for a variety of health-related issues including pregnancy testing, travel consultations & vaccinations, allergy injections and updating immunizations.

Referral to a Medical Specialist

If your condition requires referral to a specialist, the Student Health Clinic health care providers will assist you with making those arrangements. 

Students are responsible for:

• Contacting their insurance to see if the medical specialist or health facility is participating with their health insurance company.
• Bringing copies of their health insurance cards to their appointment as well as personal identification (such as UNI ID or driver’s license).
• Fees charged by a specialist are independent of the Student Health Clinic. If you have specific questions related to the cost of the visit, you should check with your health insurance company.   

Services Offered

If a students needs to receive allergy injections, we are here to help. You may receive them at the Student Health Clinic by appointment. It is the student's responsibility to receive allergy injection(s) as scheduled by your allergist. Below is information you need to know.

• Allergy medication injections (shots) are administered at the Student Health Clinic.
• Call 319-273-2009 to schedule an appointment. Allow about 45 minutes for your visit.
• After receiving your injection(s), you'll need to remain in the Student Health Clinic for 30 minutes. A nurse will check your injection site(s) before you leave.
• Always inform the nurse of any concerns or reactions from previous injections.
• Inform the nurse if you are not feeling well the day of your scheduled injection or if you are taking any new medications.

Allergy serum can be mailed to:

Student Health Clinic 1227 W 27th Street Cedar Falls, IA 50614-0221

Eating disorders are not necessarily about food, but food is the tool that people with eating disorders abuse. Eating disorders have both physical and psychological symptoms. They are characterized by abnormal attitudes and feelings about food, weight and body shape, an extreme disruption in eating behaviors and weight management, and intense anxiety about body weight and size.

University of Northern Iowa offers evaluation and treatment for eating disorders. Students with eating disorders may receive assistance through self-referral, by referral from a friend or parent, or by referral from another campus professional. Students can receive coordinated care that includes medical evaluation, psychological evaluation, nutritional and lifestyle counseling and women's clinic services.

The Student Health Clinic has a moderately complex lab that is staffed by certified Medical Technologists and is fully accredited by the nationally recognized Commission of Office Laboratory Assessment (COLA).

The Student Health Clinic Lab offers a variety of laboratory tests. All laboratory tests must be ordered by a medical provider. Laboratory orders are accepted from referring medical providers and lab results can be sent to the referring physician.

‌Sexual Transmitted Infection (STI) Testing

The Student Health Clinic offers a variety of confidential sexually-transmitted infection testing. There will be a charge for STI test. These charges can be sent to your health insurance company or to a students u-bill.

We offer the following STI tests:

• Human Papiloma Virus (HPV) in women
• Genital Herpes when symptoms are present

The Student Health Clinic provides services related to psychiatric evaluation and medication management under the direction of a psychiatric provider. A liaison exists with the University of Northern Iowa’s Counseling Center for additional mental health/behavioral health services.

• Treatment is client-centered, focusing on individual needs and concerns in the context of our clients' lives outside the treatment setting.
• Treatment recommendations are based on holistic healthcare. We consider all aspects of well-being when developing an individualized treatment plan, while maximizing client autonomy and choices.
• Treatment includes multiple modalities as needed such as psychotherapy, crisis management, medications, environmental support and mobilization of community resources.

The University of Northern Iowa Student Health Clinic offers psychiatric services to currently enrolled students. Our psychiatric providers include: Abdur Rahim, M.D., Andrew Batovsky, ARNP and Jennifer Jass, DNP, ARNP

Before a student schedules an appointment they will speak with the Student Health Center Mental Health Case Manager, Cathryn Baumgartner. She will provide information on what to expect during your appointment and with which provider you will be scheduled.

The Student Health Clinic charges for psychiatric services and will file a claim to your health insurance company if you provide us with your information. The initial evaluation may be up to $250 and subsequent follow-up visits between $100-$200. Any balance due after insurance has been filed will be charged to your U-bill. If you have questions about your health insurance coverage please call the customer service phone number listed on your insurance card for further clarification.

If you wish to transfer your care to the Student Health Clinic, we will need copies of your mental health records sent to the Student Health Clinic prior to your first visit for the psychiatric provider to review. A consent form is available on our forms page.  

For patients currently on ADD/ADHD medications, certain criteria must be met before a Student Health Clinic medical provider will prescribe these medications. There is no guarantee that the same treatment will be continued. Patients have the option of continuing to receive their medication from their previous medical provider, either in person when visiting home or thru the mail system. If a patient wishes to have care transferred to the UNI Student Health Clinic, the following steps must be taken:

• Send a request  for records to your previous medical provider and psychologist for copies of your formal psychological and educational testing within the past 3 years confirming your ADD/ADHD diagnosis and copies of your medication records. These records should be sent/faxed 319-273-7030 to the UNI Student Health Clinic for review. The request for medical records form can be obtained in person at the UNI Student Health Clinic.
• Make sure you have a sufficient supply of your medication from your previous medical provider to allow for time needed for your records to arrive and be reviewed by a UNI Student Health Clinic medical provider.
• After 3 – 4 weeks of sending the request for records, call the UNI Student Health Clinic at 319-273-2009 to confirm that the records were received and reviewed. If appropriate, an appointment will then be made with a UNI Student Health Clinic medical provider.

The UNI Student Health Clinic medical provider may request certain medical/lab exams for safety monitoring.

Yes, if you are unable to make your appointment you need to call 319-273-2009 to reschedule.  If you fail to cancel prior to your scheduled appointment you will be assessed a $45 no show fee to your U-bill.

Yes, students can make an appointment to see a mental health counselor at the Counseling Center by calling 319-273-2676.

Resources for emergency and/or after-hours assistance

UNI Public Safety Office : Campus Emergency 319-273-4000 or 911

MercyOne Patient Engagement Nurse On Call : 319-272-2600

Black Hawk Grundy County Mental Health Center : 319-234-2893

MercyOne Cedar Falls Emergency : 515 College Street, Cedar Falls, IA 319-268-3000

Unity Point Waterloo Emergency : 1825 Logan Avenue, Waterloo, IA 319-235-3697

MercyOne Waterloo Emergency : 3421 W. 9th Street, Waterloo, IA 319-272-7050

National Suicide Hotlines : National Hopeline Network 1-800-SUICIDE or 1-800-784-2433 National Suicide Prevention Lifeline 1-800-273-TALK 1-800-273-8255 LifeLine Chat

Online Screening

ULifeline offers students a mental health screening tool, information about mental health issues geared towards you, and resources for learning more and getting help. 

Mental Health Services & Resources

Information on campus and community mental health services and resources

The University of Northern Iowa Student Health Clinic offers travel consultations for students, faculty and staff. It is essential that you request your travel consultation as soon as you have a complete itinerary (including flights/layovers). Appointments will be scheduled four-eight weeks prior to departure. During your consultation, recommended/required vaccines, other medications possibly needed for travel, as well as health/safety information about your destination/s, will be discussed. Several vaccines are given as a series and can take several weeks and/or months to complete.  Planning early will allow you to avoid possible appointment waiting lists and potential vaccine/medication shortages. Please review the  UNI Student Health Clinic International Travel Health Checklist .

The University of Northern Iowa Student Health Clinic will try to accommodate all students, faculty, and staff, but at peak times it may take up to six weeks to get an appointment.

Mandatory information required prior to your appointment:

1. Prior to requesting your appointment, you must have a complete travel itinerary (including flights and layovers).

2. Complete a  Request for Travel Consultation form and turn into the clinic with a COMPLETE immunization record. A registered nurse will review this form and you will be contacted via email to schedule your appointment. No appointments will be scheduled without a completed request.

3. Bring your health insurance card with you to your appointment. See below for possible fees.

Travel Consultation Fees

Requests for travel consultations will be reviewed and a determination made on the level of travel consultation required for your trip.  Travelers to low risk countries with up-to-date immunizations may not require a in-clinic consultation. When you are contacted by the travel health nurse to schedule your appointment they will inform you of the cost and length of appointment for your consultation visit.  Travel consultations are not included in the mandatory student health fee. Students not enrolled in summer classes may request a travel consultation during the summer months. Students traveling in the fall for university programs that are not taking classes on campus fall semester may request a travel consultation during the summer.

You will be billed for vaccines and/or travel medications. Fees for vaccines/immunizations and medication will vary. It is your responsibility to contact your insurance company prior to your travel consultation to determine coverage for these services. Keep in mind that different insurance plans cover different services and you will be responsible for any unpaid charges. The Student Health Clinic will file a claim for students, faculty, and staff to their health insurance company. For any unpaid charges, UNI students may charge this to their U-bill account. Faculty and staff may have their travel consultation and immunizations payroll deducted.

Travel Immunizations & Medications Offered at SHC

• Hepatitis B
• Typhoid fever  oral (as available)/injectable
• Tetanus, Diphtheria, Pertussis [whooping cough](Tdap)
• Tetanus, Diphtheria (Td)
• Measles, Mumps, Rubella (MMR)
• Yellow Fever
• TB skin testing
• Malaria prevention medication prescription
• Medication for motion sickness and traveler's diarrhea

After Your Trip

Travel-related illness can occur weeks to months after you return.

If after you return from your trip and you experience any health problems, contact a medical provider. Make sure your provider knows you have been outside of the U.S. in the last 12 months. Students may make an appointment at the University of Northern Iowa Student Health Clinic. Faculty and staff should contact their own medical provider.

You should make a post travel appointment to see your health care provider if you were told to have a tuberculosis skin test three months after you return.

Questions can be directed to: 

 Michele Gerdes RN, MSN, UNI Student Health Clinic at 319-273-5161 or  [email protected]

Staying healthy is an important part of college life. Having a regular gynecological exam is an essential aspect of responsible and preventative health care. The Center for Disease Control (CDC) recommends yearly chlamydia screening for sexually active women under the age of 25. The CDC also recommends that women between the ages of 11 and 26 be vaccinated to prevent cervical cancer caused by Human Papilloma Virus (HPV).  

Contraceptive counseling and period management are common topics of discussion in the college age group. The Student Health Clinic providers can discuss all available options with patients.  Prescriptions for hormonal contraceptives (pill, patch, ring), placement and removal of Nexplanon, and Depo injections are available at the Student Health Clinic.

The Student Health Clinic offers a variety of programs specifically on women's health care needs. 

The Student Health Clinic offers annual gynecological exams and educational information regarding women's health concerns including:

• Breast exams
• Pap smears and routine pelvic exams
• Vaginal concerns
• Urinary Tract Infections
• Pregnancy testing and referrals
• Screening, diagnosis, and treatment of STD's and vaginitis
• Evaluation and treatment of women's health concerns
• Contraceptive counseling, prescription, and management
• HPV vaccinations

Health Information Resources

These web links contain health information and should not be interpreted as personal medical advice. If you would like to learn more or are concerned about your own health issues, please call 319-273-5161 to speak with the Student Health Clinic resource nurse.

Self-Diagnosis Websites

Medline Plus - Health Topics A-Z

Web MD - symptom checker

Go Ask Alice - health information and resources

E-Checkup to go  - programs are personalized, evidence-based, online prevention interventions for alcohol and marijuana

Mayo Clinic - health information and resources

‌Sexual Health Websites

Center for Disease Control and Prevention (CDC) - sexual health information

Birth control information

Birth control methods fact sheet

Get Yourself Tested - sexually transmitted disease information and testing

Mental Health Websites

UNI Counseling Center

Take a Mental Health Test - Mental Health America

National Suicide Hotlines :

• National Hopeline Network  or  1-800-SUICIDE  or 1-800-784-2433
• National Suicide Prevention Lifeline  1-800-273-TALK
• 1-800-273-8255 Life Line Chat

Substance Abuse Information

Resources for the University of Northern Iowa students

Getting help for yourself or others

Prescription medications, over-the-counter drugs and illegal drug information

Alcohol e-check up

Marijuana e-check up

Blood alcohol calculator

LGBT Health resource Websites

CDC LGBT health

Ten Things Transgender Persons Should discuss with Their Healthcare Care Provider

Top 10 Things Lesbians Should discuss with Their Healthcare Provider

Public Health

Black Hawk County Health Department

Travel Health Websites

CDC Travelers’ Health

U.S. State Department Travel Alerts

Human Resources University of Michigan

Search form.

• Life Events

International Travel

This resource provides information for University of Michigan faculty and staff who are planning international travel for university-related business or for personal or leisure purposes. Faculty or staff members who are traveling abroad within the context of their job responsibilities are considered to be on University of Michigan related travel.

U-M International Travel Policy

The university's International Travel Policy applies to all faculty, staff, and students on all campuses. It specifies the requirements for university-related international travel, which include travel registration, travel abroad health insurance from the university’s authorized vendor, and procedures for travel to university travel warning or travel restriction destinations. Schools, colleges, and business units may have additional policies and procedures that support this overall policy.

Planning Your Trip

Register international travel with the university travel registry.

All faculty, staff, and students planning international travel for university-related purposes must register in the University Travel Registry before the expected departure date. The Travel Registry is a confidential and secure site within Wolverine Access for you to record travel plans and contact information. The Travel Registry supports emergency communications and provides direct access to university-approved travel abroad health insurance. The Registry can be used for domestic travel and the university recommends registering personal or leisure travel when planning a trip abroad.

Visit Global Michigan

This site provides university travel warning and travel restriction information, links for travel preparation, and health and safety information. All U-M community members should review the International Travel Policy and associated procedures for travel abroad for university-related purposes.

Review Your Health Insurance Coverage

No matter where you are planning to travel, you will need to know your insurance coverage before you leave. See below for information on health insurance while traveling abroad.

Consider a Pre-Travel Health Consultation

At least two months before international travel, you may wish to make an appointment with your physician or with one of the U-M travel clinics to obtain prescriptions or immunizations as needed for your destination. University Health Service Travel Health Services are available to individuals who are affiliated with the University of Michigan. Individuals who are not affiliated with U-M can visit the U-M Health System Overseas Travel Clinic .

Travel Abroad Health Insurance

U-m related travel.

Faculty and staff traveling on international university-related business are automatically covered at no cost by the travel abroad health insurance, but must register in the U-M Travel Registry . The plan, GeoBlue travel health insurance, is provided by GeoBlue in coordination with the University Health Service Managed Care/Student Insurance Office .  Note:  Students in education abroad program leadership roles (paid or unpaid) and graduate students on GSRA, GSI and GSSA appointments must enroll in the GeoBlue for Students on Educational Activities plan. Details are on the University Health Service website .

GeoBlue automatically covers your spouse or OQA and dependents under age 26 traveling with you for business travel and for short term personal travel prior to and/or after your university-related trip. This plan covers business travel up to 364 days. If you need longer coverage, contact the Managed Care/Student Insurance Office.

GeoBlue travel insurance is primary to any coverage for medical care abroad that you may have through your U-M health plan or other health insurance coverage.

Register to use the GeoBlue website:

Upon completion of registering your travel in the U-M Travel Registry , the My Summary page will be displayed. Follow the instructions under “UM Travel Abroad Insurance Enrollment” on the My Summary page to gain access to the GeoBlue Traveler registration site.

For additional information:

• U-M Travel Abroad Health Insurance
• UHS Managed Care/Student Insurance Office - (734) 764-5182
• GeoBlue - (800) 257-4823 (U.S.) or +1 (610) 254-8771 outside the U.S.

Personal/Leisure Travel

Current faculty and staff traveling internationally for personal or leisure purposes may purchase U-M Travel Abroad Health Insurance through GeoBlue, coordinated by the University Health Service Managed Care/Student Insurance Office , by registering in the U-M Travel Registry . Upon completion of registering your travel, the My Summary page will be displayed. Follow the instructions under “UM Travel Abroad Insurance Enrollment” on the My Summary page to sign in to GeoBlue Insurance and purchase coverage. Coverage may also be purchased for spouses or OQAs and dependents under age 26 traveling with the covered U-M faculty of staff member. The plan covers individuals up to age 80. This insurance must be purchased prior to departure.

• GeoBlue - (800) 257-4823 (U.S.) or +1 (610) 254-8771 outside the U.S.

Political and Natural Disaster Evacuation Insurance

Political and natural disaster evacuation insurance  is available in most but not all countries for U-M faculty, staff, students, and their eligible accompanying dependents. To receive this support, travelers must be eligible for  U-M Travel Abroad Health Insurance , must  register their travel , and meet other special conditions. Evacuation assistance must be coordinated through the  University of Michigan Office of the Provost and GeoBlue.

In the event of an emergency that may require assistance, please contact the  U-M Division of Public Safety and Security : 

(734) 763-1131, U-M Ann Arbor (313) 593-5333, U-M Dearborn (810) 762-0006, U-M Flint

Let the DPSS emergency responder know that you are a U-M traveler abroad. DPSS will transfer you to a U-M emergency responder. The Global Michigan  site provides further details about contacting U-M in the event of an international emergency.

U-M Health Plan Information

U-m premier care members.

U-M Premier Care, a HMO health plan, only covers urgent and emergency care services when traveling outside of the BCN service area, across the U.S. and internationally.  When traveling outside the U.S.consider purchasing  Blue Cross Blue Shield Global Core  where you have access to doctors and hospitals in more than 200 countries and territories around the world.

GradCare Members

Graduate students enrolled in off-campus study or off-site field placement must complete the GradCare off-site registration form to obtain expanded coverage outside the GradCare network. The department administrators can email the completed form to BCN at [email protected] , however, they should be aware that the form must include the specific program date span (begin date mm/dd/yyyy, end date mm/dd/yyyy) and the department head signature. If the department head is unable to sign, the department administrator should include in the body of the email that the form is "an approved off-site registration for (name and ID)." 

Medications

If you are planning extended travel outside the U.S., contact your pharmacist to make sure any existing prescriptions will allow the full amount of medication needed for your trip. If you are enrolled in the U-M prescription drug plan , a one-month extra refill of your prescriptions for overseas travel can be requested by contacting Magellan Rx at (888) 272-1346. A maximum of two overrides per medication are allowed each year.

Please note that some prescription and over-the-counter (OTC) medications that are common in the U.S. may be illegal abroad. Check with the embassies of the countries you plan to visit to make sure that your prescription and OTC medications are permitted. Additional information concerning traveling with medications, managing your health while traveling internationally, and pre-departure travel tips are located on the Global Michigan site.

Dental Care

If you are enrolled in U-M's Delta Dental plan, you are covered by the Delta Dental passport program for dental care while traveling overseas. See Dental Care Outside the U.S.  for more information. When outside of the United States, call AXA Assistance collect at (312) 356-5971 to receive a referral through an English-speaking operator.

Business Travel Accident Insurance

All active faculty and staff members traveling domestically and internationally while on official university business (excluding everyday travel to and from work) are provided coverage through MetLife for accidental death or permanent total disability. The university pays the full cost and you do not have to enroll in this coverage. See Travel Accident Insurance  for more information on this benefit.

Travel Assistance

Along with  Travel Accident Insurance , when traveling more than 100 miles from home, faculty and staff have access to Travel Assistance , a travel service administered by AXA Assistance USA, Inc. (AXA). Travel Assistance offers you and your dependents worldwide medical, travel, and concierge assistance services, 24 hours a day, 365 days of the year, while traveling internationally or domestically. If you have questions about the services, please call Travel Assistance at 800-454-3679 within the U.S. or +1 (312) 935-3783 (collect) outside the U.S. For additional information, visit webcorp.axa-assistance.com using the login axa and the password travelassist.

Work-Related Injury or Illness

If you suffer a work-related illness or injury while traveling on university business, contact the following departments as soon as possible:

• Work Connections - (734) 615-0643 or (877) 869-5266 toll free
• Risk Management - (734) 764-2200

In the Event of a Death

If the deceased is a university employee, contact the following U-M departments:

• Division of Public Safety and Security - (734) 763-1131 U-M Ann Arbor (313) 593-5333 U-M Dearborn;  (810) 762-0006 U-M Flint
• U-M Shared Services Center - (734) 615-2000 or (866) 647-7657 toll free

GeoBlue International Business Traveler health insurance provides a repatriation of remains benefit for U-M faculty and staff when traveling overseas on university-related business, or if on personal/leisure travel if the GeoBlue personal/leisure insurance was purchased. Repatriation of remains arranges for the return of the deceased person's remains back to the place of residence.

When You Return

• File any claims.
• If you had a change in family status or dependent coverage, contact the SSC Contact Center at (734) 615-2000 or (866) 647-7657 toll free within 30 days of the event.
• If you changed your address with the university while you were away, update your address on Wolverine Access.
• U-M Travel Registry
• Global Michigan – Travel Resources
• University Health Service Travel Health Services
• University Health Service Allergy, Immunization and Travel Health Clinic - for individuals affiliated with U-M
• U-M Health System Overseas Travel Clinic - for individuals not affiliated with U-M
• Risk Management
• International Travel & Export Controls
• Travel Safely With Technology
• U-M International Center  - provices services to assist international faculty, staff and students at the University of Michigan

University Travel-Related Policies and Standard Practice Guides

• International Travel Policy
• Travel and Business Hosting Expense Policies and Procedures for Concur Users (SPG 507.10-1)
• Resources for Faculty and Staff Planning University-Related Travel

Questions About Your Benefits?

Submit your questions to the SSC Contact Center. You can also call the SSC at 5-2000 from the Ann Arbor campus, (734) 615-2000 locally, or (866) 647-7657 toll free, Monday through Friday from 8 a.m. to 5 p.m..

Limitations

The University of Michigan in its sole discretion may modify, amend, or terminate the benefits provided with respect to any individual receiving benefits, including active employees, retirees, and their dependents. Although the university has elected to provide these benefits this year, no individual has a vested right to any of the benefits provided. Nothing in these materials gives any individual the right to continued benefits beyond the time the university modifies, amends, or terminates the benefit. Anyone seeking or accepting any of the benefits provided will be deemed to have accepted the terms of the benefits programs and the university's right to modify, amend, or terminate them. Every effort has been made to ensure the accuracy of the benefits information in this site. However, if any provision on the benefits plans is unclear or ambiguous, the Benefits Office reserves the right to interpret the plan and resolve the problem. If any inconsistency exists between this site and the written plans or contracts, the actual provisions of each benefit plan will govern.

Benefits Office

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What is Travel Abroad Health Insurance?

The University of Michigan makes Travel Abroad Health Insurance available:

• All U-M students, faculty and staff are required to have the U-M Travel Abroad Health Insurance whenever traveling outside the US for university-related study, research, business, internships, work or volunteer activities.
• U-M travelers may also purchase this insurance for leisure travel. 

To register your trip and purchase this insurance , go to the U-M Travel Registry . (Note that faculty and staff traveling on U-M business who register their trip are automatically covered by the insurance.)

For detailed information, see Travel Abroad Health Insurance .

Pre Existing Conditions

Pre-Existing Condition/s means, in relation to you or any other person on whom your travel depends, any medical or physical conditions or circumstances:

• which you are aware of, or ought to have been aware of; or
• for which advice, care, treatment, medication or medical attention has been sought, given or recommended; or
• which have been diagnosed as a medical condition, or an illness or indicative of an illness; or
• which are of such a nature to require, or which potentially may require medical attention; or
• which are of such a nature as would have caused a prudent, reasonable person to seek medical attention

Our Privacy Statement

This policy is issued/underwritten by nib nz limited (“nib”).

Uni-Care and nib are committed to safeguarding your Privacy and the confidentiality of your personal information. Uni-Care and nib are bound by the Privacy Act 1993 and its principles. We collect and handle your personal information for the purpose of assessing your application for insurance and administering your insurance policy, including any claims made by you.

If you don’t provide all information requested then we may not be able to assess your application and provide you with the requested insurance.

The Privacy Act 1993 gives you the right to access and correct personal information held by us. Please contact us if you would like to access or revise your personal information or believe that the information we currently have on record is incorrect or incomplete.

The Privacy Officer nib nz limited Level 10, 48 Shortland Street Auckland 1010 New Zealand Email: [email protected]

The Privacy Officer Uni-Care/ Crombie Lockwood Limited Level 23, 191 Queen Street Auckland 1010 New Zealand Phone +64 9 358 2259

DECLARATION (Please read carefully)

• You have not been refused Travel Insurance by any other company nor are you insuring with the intention of receiving medical treatment or to claim for events which have already occurred.
• You are not aware of any circumstances likely to lead to cancellation or curtailment of the trip. The underwriter is aware of all facts likely to affect the acceptance or conditions of this insurance. You will notify the underwriter of changes in circumstances or health occurring prior to your commencement date.
• You confirm details have been correctly declared in this application form including the Medical Certificate incorporated in this document to be submitted for approval by the underwriter.
• You agree, in the event of illness or injury giving rise to claims under the medical section of the policy, to be medically evacuated to Australia, New Zealand or your Country of Origin, as applicable, at the underwriters discretion.
• You agree to a waiver of privacy in that you consent to any requested medical information being released by your doctor, specialist, or other health provider to the Underwriter or its agent and to the release of any further information necessary for the purposes of this insurance.
• You authorise any claim to be paid to any named institution which has submitted claim details and requested payment to be made to them on your behalf.
• You accept that failure to supply correct application and medical certificate details may affect the validity of the policy.
• You have certain rights of access to and correction of this information.
• You understand that this policy does not cover any event, which happens to you unless you, at the date of such event, are aged 65 years or under.
• You understand and agree that the act of transmitting this application to Uni-Care, by activating the 'Submit Application' button on the web application form, will have the legal force of a signature.
• You have read and understood and accepted the above statements and accept responsibility for all the information provided in this application.

NZ Student – an individual policy to cover students, under 60 years of age, to study, travel and temporarily reside in New Zealand. Includes cover in transit for a maximum period of 9 days each way from your country of origin.

NZ Visitor – an individual or family policy to cover travellers, under 65 years of age, who are visiting, working or temporarily residing in New Zealand. Includes cover in transit for a maximum period of 9 days each way from your country of origin.

Australasian – an individual or family policy to cover travellers, under 65 years of age, who are visiting, working or temporarily residing in Australia or New Zealand. Includes cover in transit for a maximum of 9 days to and from your country of origin.

NZ Visitor Plan

For travellers visiting, working or temporarily residing in New Zealand

The NZ Visitor Plan protects travellers who are visiting, working or temporarily residing in New Zealand.

Uni-Care’s NZ Visitor Plan policy is designed to protect visitors to New Zealand and their families against unexpected events and the costs that accompany them. The policy provides cover for non New Zealand residents aged 65 years or under who Travel to visit, work and temporarily reside in New Zealand. Cover is not provided for manual or dangerous work or Hazardous leisure pursuits.

Apply for NZ Visitor Plan online

Things You Should Know

+ Pre-existing Medical Conditions

Pre-existing medical conditions are not automatically covered. Cover may be granted upon application – if you have a pre-existing medical condition please make sure you provide full details in your online application . If you have already applied for your policy but the policy has not started yet, and become aware of a pre-existing medical condition please complete a Medical Declaration online to enquire about obtaining cover.

+ High Value Items Need to be Specified

Your luggage is covered for up to $30,000 in total but individual items, sets, or pairs of items are limited to $2,500 for each individual item, set, or pair of items unless the items are specified and additional premium is paid.

+ Where will I be covered?

NZ Visitor Plan has been designed to cover you from the date you leave home for New Zealand until you return to your country of origin. If you plan on visiting Australia then you will need to upgrade to an Australasian Plan for the period of cover you require.

Get a Quote

+ NZ Visitor Plan Cover Summary

Insurance is about protecting you from the unexpected. Uni-Care has been protecting visitors to New Zealand who come to work, visit or temporarily reside for more than 20 years. NZ Visitor Plan is designed to help when things go wrong a long way from home.

Please refer to the policy document for full terms and conditions of this cover.

Medical Care

If you unexpectedly become ill, or suffer an accident or injury, you won’t have to worry about paying for your qualifying medical care. NZ Visitor Plan will pay your qualifying medical costs.

Unexpected Return Home

If you were to suffer a serious injury or illness and needed to go home then NZ Visitor Plan would help by taking care of the costly expenses involved, allowing you and your family to focus on your recovery. If one of your immediate family suffered a critical illness or injury or died then the policy would also help get you home quickly.

Loss of Deposits

If illness or injury means you are unable to take part in planned travel activities the policy would reimburse your non-refundable loss.

NZ Student Plan covers your personal effects for loss or damage to $30,000 but individual items, sets, or pairs of items are limited to $2,500 for each individual item, set, or pair of items unless the items are specified.

Personal Liability

If you accidentally damage property belonging to someone else then tell us what has happened and let us manage negotiations and costs with the other party or their insurer.

Rental Car Excess

Rental car excesses can be costly – you can claim up to $5,000 liability for rental car excess payment.

• UC Finance >
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• Travel Risk and Insurance >

Personal Travel Insurance

Travel risk and insurance.

Love the benefits offered through UC Travel Insurance for Employees and Students? Now you can purchase them for your own personal international travel through the UC Personal Travel Insurance Program*!

The UC Personal Travel Program* offers three travel plan options designed to integrate insurance benefits with valuable travel assistance services to help provide the extra protection you need while traveling far from home. Find out more about the options and enroll in UC Personal Travel Insurance here :

Whether traveling for business, pleasure, or educational purposes, many travelers could benefit from the peace of mind that comes with purchasing travel insurance to help provide the security they need. This travel accident protection program responds to medical emergencies for travelers outside of their home country or country of permanent residence by providing accident and sickness benefits and valuable travel assistance services. See the UC Personal Travel Plan Options (pdf)* .

Coverage is only effective while traveling outside of the country from which you hold a passport. Sometimes travel outside of your home country can involve increased risks, especially if you need to travel to areas of political unrest and conflict. ACE USA Accident and Health offers an integrated travel insurance and service plan that helps to provide the extra protection needed while traveling in high-risk territories. Click the link to enroll and purchase your personal travel insurance .

Register your specific itinerary to receive customized intelligence reports covering entry/exit, security, health, transportation, culture, language, environment, financial, communication and legal concerns for over 230 countries and more than 580 cities. You will receive real-time alerts before, during, and after your trip about changing conditions that might affect your itinerary or long-term stay. This constant support allows travelers to stay safe and to circumvent potential difficulties with minimal disruption. Register your personal trip .

* The UC Personal Travel Insurance Program is being offered as an option for employees, students, retirees, alumni and their traveling companions to purchase for their own for personal travel.  This program is not affiliated with any University-provided employee benefit and the University makes no recommendation concerning it. As with any commercial travel insurance you purchase, the traveler is responsible for paying the premium, arranging for any travel assistance services, and resolving any claim or coverage issues directly with the insurance carrier.

Related resources

• Personal Travel Insurance Plan Overview
• Personal Travel Insurance Plan Brochure

FinanceBuzz

8 Reasons It’s Worth It To Buy Travel Insurance (And 6 Times To Skip It)

Posted: July 12, 2023 | Last updated: April 7, 2024

Life is full of unexpected events and complications, and that doesn’t stop just because you’re traveling. If anything, travel may have even more surprises than your day-to-day life at home.

Travel insurance can help you avoid wasting money if you have to cancel a trip due to illness, need medical coverage while you’re traveling, or send you home for medical reasons.

However, it may not always be necessary and can sometimes be a waste of money. Keep reading to learn when you should and shouldn’t opt for travel insurance.

Compare the best travel credit cards for nearly free travel

Safety net for international travel

The number one reason people buy travel insurance is to cover an expensive trip. And if you’re traveling overseas, chances are your travels will cost a lot of money.

In addition, there are potential complications when it comes to international travel, from losing luggage during connecting flights, missed or canceled flights, sickness, and more.

And if something catastrophic happens in a foreign country, travel insurance provides evacuation so you can get home safely.

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Medical coverage

Getting sick or injured is unpleasant enough when you’re in the comfort of your home, but it’s a new beast entirely when you’re abroad.

Generally, you can expect basic medical expenses to be covered through your travel plan, often including dental. Medicare will not cover medical expenses in a foreign country. If you’re traveling overseas, travel insurance for potential medical costs is worthwhile.

Cover rental car mishaps

Renting a car is a great way to get around when traveling because you can explore a place on your own. Using taxis or ride-share services may cost more money. However, even the best drivers make mistakes, and no one can protect themselves from reckless drivers.

Your U.S. car insurance won’t cover you when driving in a foreign country. So choosing the car-rental insurance option when you buy travel insurance may be a good move.

Be aware that most travel insurance rental-car plans cover collisions and may not cover medical expenses, damages to other cars or property, or personal property damage or loss.

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Pre-existing conditions often aren’t covered

Unfortunately, as with many health insurance plans, travel insurance often won’t cover pre-existing conditions. Travel health insurance is usually meant for unforeseen illnesses or injuries instead of complications due to an existing medical issue.

Even travel insurance companies that cover pre-existing issues often only cover physical maladies and exclude mental conditions and typical pregnancy-related symptoms and complications.

Protect lost luggage

A big fear for travelers is losing their luggage, either having it not arrive at the destination or stolen during their trip. Most airlines will offer reimbursement for luggage they lose, but it can take quite a while for this to process.

Travel insurance will cover the cost of replacing your clothing and other items while you wait for your luggage to be located and can also cover theft and damage.

Cover valuable items and gear

You should consider buying travel insurance if you’re traveling with valuables, including expensive jewelry, art, or even pricey sporting or adventure gear.

You’ll need to talk to the insurance agency specifically about covering your valuables, as they may need to be insured separately. Depending on your homeowners insurance policy, your jewelry may be covered even when you travel.

Sporting goods, including golf clubs, will not be covered by your homeowners insurance if you’re traveling, so you will need travel insurance to replace them if they’re lost, damaged, or stolen.

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Emergencies happen

While we do our best to prepare for the worst-case scenario, we can’t stop life from happening. Things like medical emergencies, a death in the family, or other catastrophes can halt your travel plans.

If you have travel insurance, rescheduling or cancellation fees will be covered, allowing you to deal with the emergency at your own pace. You won’t have to worry about losing the money spent on the trip and subsequent fees.

Natural disaster coverage

Are you planning a fall trip to the Gulf Coast or Florida? Consider your travel destination and the time of year you're going.

If you’re visiting someplace prone to natural disasters, especially seasonal occurrences like tornadoes, hurricanes, wildfires, and such, travel insurance can help you recoup your money should these events interrupt your travel plans.

Similarly, if a natural disaster occurs during your trip, often, insurance will pay to move you to a more secure location.

Extreme adventures may not be covered

Your insurance will most likely cover typical travel-related injuries but don't expect your medical bills to be covered if your itinerary involves extreme adventures or dangerous exploits.

Surfing, sailing, kayaking, bungee jumping, scuba diving, skiing, snowboarding, and other extreme sports do not fall into everyday illnesses or injuries. For these activities, consider getting a specific plan for adventure activities.

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Shaky travel companies

If you booked your trip through a travel company and it goes bankrupt, travel insurance may provide a safety net to ensure you get your money back.

Airlines, cruise ships, travel companies, and other travel-related businesses suffered during the pandemic, and many may not be on solid financial ground yet.

This may not be covered in a basic insurance plan, so make sure your agent adds financial default coverage if you are concerned about the health of your travel provider. 

In the situation any company or organization closes or is otherwise inoperable during your trip, you’ll be covered.

Now let’s look at times you may not need travel insurance.

Your credit card offers travel protections

Before purchasing travel insurance, consider which credit card you have. Many of the top credit cards  offer travel protections.

Some protections you may already have include lost luggage, rental car insurance, trip delay, and trip interruption or cancellation.

Credit card programs often don’t cover medical or other interruptions, so consider your priorities before choosing this option.

You have a domestic trip

If you’re traveling within the U.S. and its territories, travel insurance may not be necessary. For example, you won’t need medical coverage as your health insurance should be honored nationwide.

Domestic travel is also usually much less expensive. If you’re taking a cheap, last-minute, or nonstop flight and staying at an inexpensive hotel or rental, the cost of travel insurance may not be worth it.

One exception might be a family trip to Disney World. The estimate for a trip for a family of four in 2023 is more than $6,000, so travel insurance might be money well spent in this case.

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Don’t add expense to cheap trips

Not all travel is planned. Whether traveling for work, a family emergency, or just a last-minute vacation, you likely don’t need insurance in these circumstances. Odds are, you’re packing light, and both your flight and hotel are relatively inexpensive.

In these scenarios, the things insurance covers won’t be relevant, including baggage loss, flight cancellations, hotel issues, and so on. 

Not only will these costs likely be minimal, but they can be disputed with your airline or hotel, although it may take a little while to get your money back.

The airline has a flexible rebooking policy

If you’re buying travel insurance to cover the cost of rescheduling a flight, you’re better off purchasing a refundable ticket at a higher price. And some airlines have more flexible policies now.

Many airlines allow last-minute ticket changes and will even help you reschedule your flight within a specific timeframe. The timeframe and policy vary by airline, and you may be subject to a nominal cancellation or rebooking fee, but it will be significantly less than insurance.

Insurance will not cover political unrest

One emergency situation insurance probably won’t cover is war or political unrest. If you’re visiting a location with political tensions and your trip is canceled as a result, don’t expect your insurance to cover the costs.

Insurance companies generally follow the travel advisories the U.S. State Department issued for medical and political situations.

Similarly, insurance won't cover these costs if you have to leave your trip early for safety concerns. Consider your destination's political environment before booking your travel or buying insurance.

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Your hotel may cover cancellations

Many hotel cancellation policies have tiers depending on the booking you make. For example, some may have free cancellation within a specific period, while others charge different rates for rooms booked as non-refundable or partially refundable.

If your sole reason for purchasing insurance is hotel flexibility, consult with the hotel before you book. They may have a policy as flexible as your insurance or can work with you should something unexpected arise.

Penalty-free cancellations for major hotels tend to be around 24-48 hours prior to arrival.

Bottom line

Travel insurance may be pricey, but it’s a lifesaver in many situations. However, in others, it’s overkill and a waste of money.

Every travel situation is different, so consider your specific needs when purchasing. And, if you want more money to cover your insurance, consider these ways to make extra cash for travel funds.

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Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• 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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Health and travel insurance

Insurance at the University of Auckland

Studentsafe university policy, family insurance, insurance waivers, making an insurance claim.

• Pre-existing medical conditions
• Change in circumstances

Travelling overseas

All international students must have health and travel insurance while studying in New Zealand. These guidelines apply to international students only.

Find out detailed information on the University's insurance policy for international students.

You may be eligible for an insurance waiver if you already have an alternative insurance policy.

Follow these simple steps to lodge a Studentsafe Inbound insurance claim.

Learn more about adding your family to your Studentsafe Inbound University insurance policy.

Changes in circumstance

What to do if your circumstances change during the period of your insurance.

Find out more about getting insurance cover for travel outside New Zealand during your studies.

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• Schools & departments

Travel insurance

Find out what insurance cover you need before travelling abroad.

All students who have their travel approved by the Study and Work Away (SWAY) Service will be covered, free of charge, by the University's travel insurance policy. 

University of Edinburgh travel insurance 

Once you have received final approval to travel from SWAY, you will be covered by the University travel insurance for the duration of your exchange or placement. 

You do not have to submit a separate application for the University's travel insurance – please do not complete the application form on the Insurance pages of the UoE website. 

Please note that this is a travel insurance policy, rather than a private health or medical insurance policy.   Although it covers some medical expenses/medical emergencies, day-to-day medical expenses such as GP visits, regular blood tests or medication for pre-existing conditions are not covered.  You may need to ensure additional health insurance cover for your personal circumstances.

Some host institutions and organisations may also require students to have additional health insurance/medical insurance cover in place.

All University of Edinburgh students going out on one of our overseas programmes receive the same insurance - this is a blanket coverage and does not change depending on student status e.g. international, RUK, Scottish Home.

If you have any questions about the UoE insurance policy or coverage, please contact the Insurance Office, with your name, student number and the dates of your exchange or placement. 

Email:  finance.helpline @ed.ac.uk

Phone:  +44 (0)131 651 5151  

Please read the following FAQs for more information about the University's insurance cover:

What cover is provided by the University's insurance?

You can find a more details on the travel insurance provided for students on the Insurance Office SharePoint site .

Once your risk assessment has been approved by SWAY, you will receive a more detailed summary of cover which you should read thoroughly before travelling to ensure it covers you fully for your personal situation and that you understand the conditions of cover.

What is not covered by the University's insurance?

You should be aware that the following things are not covered by the UoE insurance policy and would require you to take out your own personal insurance:

• Any time spent at your destination outside of the official dates of your exchange (although there is a 7 day grace period on each side)
• Personal travel before, during or after your official exchange destination (e.g. if you are on exchange in France and want to travel to Germany for the weekend, this wouldn't be covered) 

Please note this list is not exhaustive and you should contact the UoE Finance helpline should you have any specific queries.

How can I get confirmation of my cover?

Cover will be confirmed upon receipt of a fully completed and approved SWAY travel risk assessment, which is a mandatory requirement for your exchange or placement.  Once your risk assessment has been approved you will be sent a summary of the UoE insurance cover. 

If you require official confirmation of insurance cover, either to use in your host institution application or for visa purposes, you can generate your own insurance certificate by following these steps:

•  Visit  http://www.mylifeline.co.uk  or download the AIG Travel Assistance app (on Apple and Android)
•  Register using your University of Edinburgh email address and policy number (which will be sent to you when your travel risk assessment is approved)
• On the website there is an option for Insurance Certificate under the Resources tab along the top; on the app there is a tile for Insurance Certificate
• Complete the requested details for your SWAY approved activity and submit – your certificate will be available immediately

Please note that an approved risk assessment, and therefore the University’s insurance, becomes void if you become ineligible to study or work away.  This could be as a result of not passing all exams, or by not securing in time all necessary travel documentation such as visas or residence permits.   

Additional health insurance requirements

Some host institutions and organisations require students to have additional health insurance/medical insurance cover in place. In some instances the partner university insurance plan will be mandatory and you will be required to take out their policy in addition to the University of Edinburgh travel insurance.  This may have a cost attached.

If you want to enquire into whether your host institution allows waivers to their plan then we advise you to contact them directly to enquire whether they may  accept the medical expenses cover provided by the University travel policy.  The Insurance Office can provide assistance with the comparison as well as confirming the cover you have.

If you are doing a work or research placement, you should clarify what insurance cover is offered by your employer. You may need to purchase your own policy in-country to cover for any loss, injury or damage caused by you or to you while under their supervision.

How do I make a claim?

If you have an  emergency claim  to make there is a 24/7 emergency medical and travel assistance helpline:  +44(0)1273 456633 . 

If your claim is a  non-emergency claim  you should submit details of this via the AIG portal using the following steps:

• On the website click the ‘File a Claim’ tab along the top; on the app there is a tile for this
• Complete the requested details, upload supporting documentation and provide bank details for payment

Your claim will be dealt with directly by the insurers and any questions on appropriate supporting documentation should be directed to AIG.

What if I choose not to opt in to the free UoE insurance?

If you choose not to opt into the University’s insurance policy, it is essential that the insurance you choose meets the requirements of both the UoE and of your host institution.

 The University of Edinburgh requires that your insurance policy covers:

Your own personal circumstances (i.e. pre-existing conditions)

Repatriation to the UK (or your home country) in the case of serious illness or death

It is your responsibility to ensure that you have appropriate cover in place – the Study and Work Away Service teams are not insurance experts and so cannot check insurance policies for you.

The SWAY travel risk assessment is a mandatory requirement for your exchange or placement, even if you intend to take out your own insurance. 

Global Health Insurance Card (GHIC)

UK students going to the EU to study or work abroad are also advised to obtain a Student Global Health Insurance Card ( GHIC ). The GHIC is a replacement of the European Health Insurance Card (EHIC).  

The Student GHIC gives you the right to access medically necessary, state-provided healthcare during a temporary stay in the EU at a reduced cost or sometimes for free. Not all state healthcare is free in the EU and you may have to pay for services that you’d get for free on the NHS. You'll normally pay the same as a patient from that country.  

You should refer to the second part of the section "Students studying in the EU, Norway, Iceland, Liechtenstein, or Switzerland".  Please note that you should apply for the specific Student GHIC card which is different from the standard one. You will need to download the 'Confirmation of Status' letter from your Mobility Online workflow to accompany your application. 

Find out more and apply for a GHIC

Find out more in the  GOV.UK country healthcare guides

• Travel Insurance

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Travel Insurance For Singapore: The Complete Guide

Updated: Apr 4, 2024, 12:29pm

Table of Contents

Featured Partners

Singapore Travel Insurance

What does travel insurance for singapore cover, can i tailor my travel insurance for singapore, what does travel insurance for singapore exclude, how much does travel insurance for singapore cost, how can i compare travel insurance for singapore, frequently asked questions (faqs).

Singapore has long been a holiday favourite for Australians, either as a stop-over city on the way to Europe or the Middle East or as base for exploring Asia. According to the latest figures from data portal, Statista, 566,000 Australians visited the country in 2022.

If you’re also planning to visit, travel insurance for Singapore can safeguard your trip against a number of potential mishaps, such as falling ill while away, losing your luggage and belongings or even needing to cancel the trip before it’s even begun. Singapore is a safe country, but the cost of medical care is high.  Find out more about how travel insurance for Singapore works below.

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Cancellations

Unlimited, (Trip Disruption $50,000)

Rental Vehicle Excess

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Medical cover

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance (Comprehensive)

Option of Cruise Cover

Unlimited medical

Yes (some sub limits apply)

There are three main types of travel insurance policy for Singapore. These are:

• Single trip: for a one-off trip in the space of 12 months to Singapore
• Annual multi-trip : for more than one trip in the space of 12 months to Singapore or various destinations. This type of cover can work out more cost-effective than buying multiple single trip policies but not always so it’s best to compare both types of cover.
• Long-stay/backpacker : for an extended stay in Singapore, of typically 60 or 90 days, or 12 or 18 months. Cover for 24 months may be available, from certain providers.

When applying for travel insurance online, you’ll first be asked to enter your holiday destination. Depending on the insurer, you’ll need to click on Singapore, Asia or Worldwide travel excluding the US and nearby destinations such as Mexico, the Caribbean, Canada and Greenland. The latter option excludes a part of the world where medical costs are the highest, which in turn, bumps up the cost of cover. If you’re also planning to travel to the US, for example, there are separate worldwide policies that include it as a destination.

Insurers usually offer at least two or more types of travel insurance policy from basic or comprehensive cover and anything in between. Comprehensive policies offer the highest cover levels and widest range of benefits.

A key component of all travel insurance policies is emergency medical cover. You’ll find a comprehensive policy for Singapore will often offer an unlimited amount.

The standard of medical facilities and care in Singapore is similar to, or higher than in Australia, and the cost often much higher, so medical cover can prove a vital resource should you fall ill, or get injured, while away.

Note that in the case of an emergency, you’ll likely need to pay up-front first, and then reclaim the costs from your insurer, or confirm payment from your insurer with a hospital before it will provide treatment.

As standard, travel insurance for Singapore can also cover repatriation and emergency rescue, in severe medical cases, the loss or theft of your baggage and belongings and trip cancellation if you can no longer travel for reasons such as falling ill, suffering a bereavement or losing your job.

They will also likely include an array of other forms of protection, providing the most at comprehensive level. This includes cover for lost or stolen money, passports and documentation, missed departures, online fraud, and travel delay. The types of cover on offer, and cover limits, will vary between providers. You can find exactly what a policy includes in its product disclosure statement (PDS), which is usually found on an insurer’s website.

There are a number of ways you can ensure your policy fits your needs. Many insurers offer optional add-ons that you can purchase if you need specialised cover. These include insurance for gadgets (such as a smartphone or laptop), a cruise and playing golf.

If you’re thinking of participating in more high-octane activities, check your policy’s PDS. Many cover around 100 or so sports automatically. Cover for what an insurer classes as high-risk activities, such as skydiving, bungee jumping, outdoor rock climbing, and activities requiring a set of wheels, such as quad biking, may require purchasing an additional ‘sports pack’ for your policy.

While reading through a policy’s PDS, it’s crucial to also take note of any limitations of cover. These can differ between policies, but generally you can expect most insures to refuse claims relating to a pre-existing condition. This is a medical condition you had before taking out the policy. The insurer may not cover such conditions, or may refuse your claim if you did not declare your condition on applying for the policy.

An insurer is also unlikely to accept claims for an injury caused by taking part in a sport or activity where you did not wear the appropriate safety gear, such as a helmet, knee pads or a harness. Claims resulting from disorderly behaviour or being under the influence of drink or drugs will also likely be rejected.

It’s best to regularly check government advice for your destination, which it publishes on its Smartraveller website. This includes warnings about natural disasters, terrorism threats and pandemics. Visiting Singapore, or a part of the country, if the government puts it on its “do not travel” list, could invalidate your policy.

The amount you’ll need to pay for your travel insurance policy will depend on a range of factors. An insurer will consider your holiday destination, associated costs when travelling there and the length of time you’ll be travelling.

The price of a policy can rise for mature travellers and those with pre-existing conditions, as insurers view these travellers as more likely to claim on their policy.

To provide an idea of how much travel insurance for Singapore can cost, we ran quotes on the sites of the insurers we’ve rated the top five for travel insurance.

We used the profile of a family of four, aged 42, 40, 14 and 12, spending 13 to 26 May in the country, and assumed they have no pre-existing conditions, (although these providers do offer cover for pre-existing conditions should you need it).

We found basic cover ranged from around $106 to $202, while comprehensive cover started at around $241, with the most expensive policy costing just under $304.

Before choosing a policy, it’s important to shop around. An easy way to do this is to run quotes on the websites of various insurers and compare factors such as the type of cover a policy includes and cover levels against price.

To help you with your search, we’ve conducted some research and found our pick of the best comprehensive travel insurance policies .

Is travel insurance for Singapore worth it?

While travel insurance for Singapore isn’t mandatory, it can be considered a travel essential if you have no other means of covering emergency costs while away.

Emergency medical fees can easily stack up to thousands of dollars alone, and without travel insurance in place, you would have to cover them out of pocket. Travel insurance also can cover a number of eventualities that we often fail to consider, such as an airline, transport company, or accommodation provider going bust.

What is ‘excess’ in insurance?

An excess is a set amount you’ll be expected to pay on each approved claim. It’s usually levied per person on the policy, per event, per claim, but you can check the PDS for the specifics concerning your insurer. You usually can pick from a range of excess amounts, from $50 to $250 on average, when taking out a policy.

The more you choose to pay in excess, the lower your policy premium—the cost of your policy—typically will be, while paying less in excess will raise the cost. An excess is usually deducted from a claim amount, so you won’t need to pay for it out of pocket. However, it’s still crucial that you make sure it’s affordable.

Can I buy a policy while I’m in Singapore?

Some providers won’t cover a holiday if it’s already started. Others may cover you, but apply a waiting period of around 72 hours before you can claim.

The best time to take out travel insurance is as soon as you’ve booked your holiday, as you’ll be immediately covered for trip cancellation. Insurers are highly unlikely to consider claims resulting from something that happened before you took out the policy.

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Information about student insurance enrollment, waivers, and more

SCU students enrolled at least half-time (and ALL F-1/J-1 visa students) are automatically enrolled in the SCU-sponsored Student Health Insurance Plan . However, you have the option to waive this enrollment if your current insurance plan meets the requirements listed below under Waiver Requirements .

To schedule an appointment with the insurance coordinator, tammy oh, email  [email protected]  or call the cowell center during business hours at (408) 554-4501..

Santa Clara University requires all degree-seeking students enrolled at least half-time (and all F-1/J-1 visa students, even when enrolled less than half-time) to have health insurance. This requirement helps to protect against unexpected high medical costs and provides access to quality health care. Please note that certificate and online programs are excluded from this requirement. 

Each year, students are automatically enrolled in and charged for the university-sponsored Student Health Insurance Plan (SHIP) , but can waive enrollment if they can provide proof of other U.S. insurance coverage comparable to an Affordable Care Act-compliant plan. The cost of the university sponsored Student Health Insurance Plan is not covered in your tuition; the charge will show up as a separate item on your student account. To waive enrollment, a new waiver must be submitted by the waiver deadline each academic year.

• a dependent on a spouse/parent/partner’s U.S. based employer-offered, Affordable Care Act-compliant plan.
• J-1 visa students  will be automatically enrolled into the   SHIP  regardless of number of units, and are NOT eligible to waive enrollment.

Click here for waiver and enrollment forms, as well as additional information from Gallagher Student Health & Special Risk.

Learn about how to waive automatic enrollment in the SHIP, including plan requirements, deadlines, and forms.

Learn about the SCU-sponsored insurance, including benefits, premium cost, and filing claims.

Students will be automatically signed up and charged for the SHIP if they meet the following enrollment minimums:

  *Graduate and Law students are encouraged to verify with their school/program if they are considered half-time enrolled.

**Automatically enrolled and charged for health insurance . J-1 students are NOT eligible to waive enrollment.

You can learn more about federal and state government insurance programs here:

Affordable Care Act Federal Government Insurance

Affordable Care Act California State Insurance

Centers for Medicare and Medicaid Services  

Resource Guide for Medi-Cal in Santa Clara County