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With over 30 years of experience helping Canadian travellers in their time of greatest need, we place the customer at the heart of everything we do.

This commitment to caring and customer-first approach is a common thread throughout the full range of unique travel insurance and emergency assistance solutions we provide to our partners and their customers.

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Travel Insurance with Emergency Medical Benefits: The Simple Guide

Do I need emergency medical travel insurance for a U.S. trip?

That depends. If you have a good health insurance plan, you may not need emergency medical insurance while traveling within the U.S.

However, it’s still a good idea! Allianz Travel Insurance’s emergency medical benefits have a few advantages your regular health insurance may not provide:

• There’s no deductible or copay for covered emergency medical expenses. (There is, however, a maximum limit for your emergency medical/dental and emergency transportation benefits, which you’ll find in your plan documents.)
• Depending on the plan you choose, your travel medical insurance may be primary That means it pays your covered medical expenses before any other insurance coverage applies.
• Emergency medical transportation benefits can cover medically necessary medical evacuations. This is a must if you’re traveling to any remote locations—such as fishing in Alaska, or backcountry camping in a national park.
• Your travel insurance also can cover special medical transportation home after an emergency. Your regular insurance may not.

Do I need emergency medical travel insurance if I’m healthy?

Yes! We get more than 4,000 calls each year from travelers who need help with a medical emergency. The most common emergencies we see are things that can happen to anyone, even people who are generally healthy and fit: fractures from falls ; trauma (often from motor vehicle accidents); cardiovascular problems , such as a heart attack or stroke; and pulmonary/respiratory problems , such as a collapsed lung.

Active travelers especially need travel medical insurance, if you plan to participate in activities such as hiking, cycling, skiing, horseback riding, etc. on your trip. Just make sure you read the exclusions in your plan. Certain high-risk activities are excluded from coverage.

Do I need to buy emergency medical travel insurance for my kids?

Yes! Children aren’t immune from medical emergencies while traveling, whether a tummy bug or a fractured wrist. Luckily, two of our plans offer free coverage* for children 17 and under when traveling with a parent or grandparent: OneTrip Prime and OneTrip Premier , which doubles most OneTrip Prime post-departure benefit limits (*not available on policies issued to Pennsylvania residents).

Can emergency medical travel insurance cover my pre-existing medical condition?

Yes, but you have to make sure your plan includes the existing medical condition waiver and meets all the requirements. If you insure your full nonrefundable trip costs within 14 days of paying your first trip deposit, and you’re medically able to travel when you do so, you can be covered for most existing medical conditions.

An existing medical condition is defined as an injury, illness, or medical condition that, within the 120 days prior to and including the policy purchase date:

• Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor;
• Presented symptoms; or
• Required a person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription, and the prescription has not changed).

The illness, injury, or medical condition does not need to be formally diagnosed in order to be considered a pre-existing medical condition.

Read more: When Does Travel Insurance Cover Existing Medical Conditions?

What happens if I have an emergency while traveling somewhere without high-quality medical facilities?

In situations like these, your emergency transportation benefits can be life-saving. If you suffer a serious illness or injury on your trip and the local medical facilities can’t provide the medical treatment you need, our medical team will arrange and pay to transport you to the closest appropriate facility. Please note, however, that we must make the medical evacuation arrangements — if you do it yourself, your insurance may not pay for it.

What should I do if I have a medical emergency while traveling?

If you need help urgently, call your destination’s equivalent of 911. The free Allianz TravelSmart TM app makes it easy to reach local emergency services with a single tap, wherever you are.

Then, contact 24-hour assistance . Our team of experts can arrange emergency medical transportation, if needed; refer you to pre-screened local medical providers, provide an interpreter, guarantee advance payment for medical care (where accepted), monitor your condition, update relatives back home, and arrange your transportation home. In short, we’ll do everything we can to make sure you’re getting the care you need.

Read more: What To Do In A Medical Emergency

Can I buy affordable emergency medical travel insurance?

Yes! Allianz Travel Insurance offers plans for every budget. Low-cost emergency medical travel insurance plans include:

• OneTrip Basic , an economical plan with limited post-departure benefits
• OneTrip Emergency Medical , a flexible plan that includes only post-departure benefits
• AllTrips Basic , an annual travel insurance plan that provides emergency medical benefits for frequent travelers

If you’re planning more than two trips in the next 365 days, you can save money with an annual travel insurance plan:

• AllTrips Prime , which offers affordable peace of mind for a full 365 days of travel
• AllTrips Executive , an annual plan built for business travelers
• AllTrips Premier , which protects world travelers with multiple tiers of benefits

Wondering which plan is right for you? Get a quote for your next trip .

Related Articles

• Do I Need Travel Insurance If I Have Health Insurance?
• Travel Insurance 101: How Travel Insurance Works
• Travel Insurance 101: Covered Illnesses

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

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

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What is travel insurance?

Travel insurance is designed to cover you for a range of unexpected events that could happen when you’re travelling overseas or in Australia. Allianz Travel Insurance can cover costs like travel delays or emergency medical treatment, or the cost of replacing items that were lost or stolen during your trip. 1

We have Basic, Comprehensive, Domestic, and Multi-Trip Plans to choose from, with varying levels of cover to help you when you need it most. Our plans are available for singles, duos or families. Read through our Product Disclosure Statement (PDS) for detailed information about our plans to see which level of cover is right for you.

Find the right cover for your trip

Basic Travel Insurance

• Overseas emergency assistance 1
• Overseas medical and hospital expenses 1
• Personal Liability 1

Comprehensive Travel Insurance

• Overseas medical assistance and expenses 1
• Unexpected trip cancellation 3
• Loss of or damage to luggage and personal effects 1
• COVID-19 benefits 2

Domestic Travel Insurance

• Travel delay expenses 1
• Rental vehicle excess 1

Multi-Trip Travel Insurance

Additional cover options.

For an additional premium, you can choose to add an Adventure Pack, Cruise Pack, or Snow Pack to eligible plans. Increased Item Limits Cover can also be added to insure your luggage, personal effects or valuables should something happen to them while travelling.

You have the option to vary the base excess when you buy your policy (premium adjustment will apply depending on the excess selected). The choice is yours.

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Choose what suits your needs, single cover, family plan, ready to get started, frequently asked questions.

Without travel insurance, you run the risk of incurring some significant expenses that may take years to pay off.

If you’re travelling overseas, travel insurance is an important consideration for unexpected medical bills and hospitalisation. Other unforeseen expenses could include the replacement of lost or stolen luggage, delays or cancellations to your trip, and many other unfortunate scenarios.

We don’t cover medical expenses under our Domestic Travel Insurance policy. However, you may wish to take out insurance for domestic flight changes or cancellations, lost or stolen baggage, or rental vehicle excess. Refer to the Product Disclosure Statement (PDS) for more information.

Travel insurance may cover you for a range of unexpected events that may affect your trip, such as emergency medical assistance if you become ill or injured while travelling overseas, including arranging your evacuation if needed.

Other incidents that travel insurance may cover include costs due to unexpected delays and cancellations, rental vehicle excess, and personal liability. You also have the option to purchase additional cover for activities such as adventure sports or skiing, although this isn’t available on all plans.

Cover limits vary from insurance provider to insurance provider, as do policy terms, conditions, limits and exclusions, so it’s important to read the Product Disclosure Statement to make sure you fully understand what’s covered, the limits applying to the policy, and to make sure the policy is appropriate for your needs.

The length of your Travel Insurance policy is largely dependent on the travel dates you supply. When obtaining a quote, or buying a policy, you’ll be prompted to enter in your departure and return dates – this will be the period of cover for all benefits except the cancellation benefit, which begins from the date your policy is issued.

The period of cover is also shown on your Certificate of Insurance, which is sent to you at the time of purchase. You may want to extend the length of your holiday abroad (and therefore need an extension of your period of cover) and you may be able to do this within specified timeframes.

If you think you may travel more than once a year, you may wish to consider a Multi-Trip policy . Different start and end dates apply, refer to the Product Disclosure Statement for full details.

It’s up to you when you buy Allianz Travel Insurance, however, keep in mind these three things:

• You can buy our Travel Insurance up to 12 months in advance.
• You must buy Allianz Travel Insurance before you start your journey. Your journey starts when any traveller named on the Certificate of Insurance leaves home or work in Australia to begin travel.
• Depending on the plan you choose you may have trip cancellation cover, which covers unexpected trip cancellation, rescheduling or shortening from the date your Certificate of Insurance is issued. So, consider buying our Travel Insurance as soon as you’ve booked and paid for some or all your trip as you may be covered for such events before you depart.

Yes, if you change your mind after you buy your Travel Insurance policy, you may cancel it within 14 days of your Certificate of Insurance being issued.

You’ll be given a full refund of the premium you’ve paid, provided you’ve not started your journey and don’t intend to make a claim or exercise any other right under your policy.

When considering which policy is right for you, make sure you consider your needs, as well as your financial situation. Reading the Product Disclosure Statement and Target Market Determination (TMD) is a good place to start as they will give you more detail, so you can decide if the plan is right for you.

Allianz Travel Insurance offers a number of travel insurance plans – Basic , Comprehensive , Domestic , Non-Medical or Multi-Trip Travel Insurance . You can see more detailed information on our Compare Cover Options page .

This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic.

However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19.

Refer to the Product Disclosure Statement to see which benefits offer cover in the event that you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.

Note: There is no cover under any benefit of this policy if your claim arises because you did not follow advice or a warning that has been issued by the Australian Government or a reliable mass media source. This applies even if an Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.

If you have any questions call us on 13 1000 .

If you need to shorten your journey while travelling, or are prevented from travelling due to a COVID-19 border closure or mandatory quarantine period, you may be entitled to receive a partial or full refund on your premium. Refer to the Product Disclosure Statement for more information.

Eligibility criteria applies. Contact us on 1800 440 806 or email us .

There is no cover under any benefit of this policy if your claim arises because you didn’t follow an advice or warning that a reasonable person would have been aware of, that has been issued by the Australian government (when a ‘reconsider your need to travel’ or ‘do not travel’ alert is in place), which can be found on Smartraveller ; or which was published in a reliable mass media source.

Before buying travel insurance, and while you’re travelling, check Smartraveller and Allianz Partners for travel alerts or advisories for your intended destination(s).

Note: This applies even if an Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.

Tip: Subscribe to Smartraveller to get travel alerts and advisory updates by email.

Refer to General Exclusions in the Product Disclosure Statement for a full list of exclusions.

If you have any questions, call us on 13 1000 .

A general exclusion, sometimes referred to as a policy exclusion or exclusion, is an exclusion that applies to all policy benefits.

Should a general exclusion apply, your travel insurance policy won’t provide cover for the specified event, activities or circumstances.

Refer to General Exclusions in the Product Disclosure Statement provided at the time of purchase for a full list of exclusions.

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• Terms, conditions, exclusions, limits and applicable sub-limits apply. Refer to the Product Disclosure Statement for full details.
• Policy terms, conditions, limits, exclusions, and sub-limits apply to particular types of losses, premium refunds (full or partial) or claims. This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic. However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the Product Disclosure Statement to see which benefits offer cover in the event you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.
• Terms, conditions, limits, exclusions and sub-limits apply. Cancellation cover is only available on Comprehensive, Domestic and Multi-Trip Plans. Refer to Cancellation and General Exclusions sections of the Product Disclosure Statement for full details.
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Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, exclusions, limits and applicable sub-limits apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631, trading as Allianz Global Assistance (AGA) as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Travel Insurance is underwritten by the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply.

We don’t provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision, please consider the Product Disclosure Statement available on this website. If you purchase this insurance, AGA will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.

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Travel safe. Travel simple. Allianz TravelSmart.

Our free Allianz TravelSmart TM app puts your customers’ travel protection plan at their fingertips, making it easy to check their coverage benefits, connect to our 24/7 assistance, or file a claim on the go.

What makes Allianz TravelSmart even smarter? We’ve loaded it with safety features to help customers explore more securely, including timely alerts about events that may impact their travels, a locator for nearby emergency assistance, medical translations, and more.

“I cannot even begin to tell you how wonderful my experience was with Allianz!! I had a terrible ski accident in France and every single Allianz person was unbelievably helpful. I now recommend Allianz to everyone I know and I will NEVER travel overseas without it. I am so very grateful for all the support I received.”

- Lindsay T., MN, 2021

“So often when you buy warranty or insurance it’s hard to actually get it to do what it’s supposed to do, but Allianz worked as it should. The cost for travel insurance is so negligible that it’s a no brainer to add to your trip.” 

- Kyle Y., GA, 2021

“When I filed my claim your company made the process very easy. And you did not try to avoid your contract responsibilities like many other insurance companies with whom I have had to work with. I have recommended you to all of my travel friends.” 

– Scott H., IL, 2021

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11 Best Travel Insurance Companies in April 2024

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

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers, top credit cards with travel insurance, methodology, best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at no extra cost.

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Special medical insurance for ship captains and crew members, international students and missionaries.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Here is the list of travel cards offered by Chase that include various forms of travel insurance.

Having one of these in your wallet is a good start to protecting your travel investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 12 hours.

• Car rentals: Theft and collision damage for most cars in the U.S. and abroad.

• Trip cancellation: Up to $1,500 per person and $6,000 per trip.

• Trip interruption: Up to $1,500 per person and $6,000 per trip.

• Baggage delay: Up to $100 per day for three days.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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Allianz Travel Insurance review: Is it a good option for your next trip?

With plenty of options to choose from, allianz likely has the right coverage for your trip..

Travel insurance can offer peace of mind — and financial protection — when you travel. Whether you want minimal coverage for emergencies or are looking for a more comprehensive plan, Allianz Travel Insurance probably has an option that will work for your situation.

CNBC Select breaks down the types of coverage Allianz includes in its policies, the features it offers and other providers you should consider.

Allianz Travel Insurance review

Other insurance offered, how it compares, bottom line, allianz travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

10 travel insurance plans make it possible to customize your coverage. For families, Allianz's OneTrip Prime package covers children age 17 and younger when traveling with a parent or grandparent.

24/7 assistance available

• Trip cancellation benefits can reimburse your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. 
• Limited coverage for risky sports

Allianz Travel Insurance is a global insurance provider. It partners with airlines, travel agencies, resorts, credit card issuers and other companies to offer worldwide travel coverage. The insurer currently offers 10 trip coverage plans, giving travelers plenty of options that range from single-trip plans to plans that cover all your travel for a year.

For example, OneTrip Prime provides trip cancellation/interruption, emergency transportation, baggage loss or delay and other key benefits for a single trip up to 180 days. AllTrips Executive, on the other hand, is a multi-trip plan designed for business travel with higher trip cancellation and interruption limits and coverage for business equipment. You can also opt for OneTrip Rental Car Protector if you need primary car rental coverage against collision, loss and damage.

These plans let you easily tailor your insurance to your situation. Here are the types of coverage that Allianz Travel can include in your plan:

• Trip cancellation
• Trip interruption
• Emergency medical (this covers medical and dental emergencies that happen during your trip)
• Emergency medical transportation
• Baggage loss/damage
• Baggage delay
• Travel delay
• Travel accident
• SmartBenefits℠ (this includes automatic and no-receipts payments for trip delays and no-receipts claims for baggage delays)
• Change fees (this coverage can reimburse you for the fees the airline charges when you have to change the dates of your flight)
• Loyalty program redeposit fee coverage (with this coverage, you can get reimbursement for frequent flyer mile redeposit fees if your trip is canceled or interrupted)
• 24/7 hotline assistance
• Concierge services
• Rental car collision damage waiver
• Existing medical condition (this benefit waives the pre-existing medical condition coverage exclusion)

The types and limits of coverage benefits you can get vary by plan.

Many travel cards provide travel insurance benefits . To avoid duplicate coverage, go through your card's terms and conditions and see what your issuer already offers.

One of the features that helped Allianz Travel land a spot on our list of the best travel insurance is the Cancel Anytime benefit. Included with OneTrip Prime and OneTrip Premier plans, Cancel Anytime can reimburse 80% of your unused, pre-paid, non-refundable trip costs if you have to cancel your trip for just about any unexpected reason.

Additionally, the insurer offers 24/7 global assistance to refer you to a prescreened hospital during your trip.

Policyholders can also use the TravelSmart TM  app and check for flight status updates, the latest travel advisories and restrictions for their destination, local emergency services and hospitals and more. The app allows travelers to pull up their protection plan whenever they need and file a claim online.

As of writing, Allianz Travel doesn't advertise any discounts. That said, discounts aren't as common with this type of coverage, especially compared to home and auto insurance .

Allianz is a large global company offering a wide range of financial products and services. In the U.S., that includes travel insurance, life insurance and business insurance.

Allianz Travel can be a solid choice if you're looking to purchase travel insurance. However, it's always a wise idea to compare multiple options to ensure you're getting a good deal.

For instance, AXA Assistance USA travel insurance is also a good provider. You can pick from three plans with the most affordable one starting at just $16, according to the company's website. The most comprehensive option is the Platinum plan which comes with the option to cancel for any reason.

AXA Assistance USA Travel Insurance

AXA Assistance USA offers several travel insurance policies that include travel interruption, trip cancellation, and the option of cancel for any reason (CFAR) coverage.

Travel Guard® Travel Insurance also offers a selection of plans, ranging from last-minute options to an annual travel plan. Or you can request a specialty plan, but you'll need to speak to a representative to do so.

Travel Guard® Travel Insurance

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

With 10 available plans to choose from, Allianz Travel makes it easy to get the right travel insurance coverage for your upcoming trip. Multi-trip plans are also available for those who frequently travel, including for business. Still, we recommend gathering several quotes and comparing plans before you purchase travel insurance. Just like with any financial product, it pays to shop around for this type of coverage.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

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Allianz Travel Insurance Coverage Review — Is It Worth It?

Christine Krzyszton

Senior Finance Contributor

306 Published Articles

Countries Visited: 98 U.S. States Visited: 45

Keri Stooksbury

Editor-in-Chief

34 Published Articles 3142 Edited Articles

Countries Visited: 47 U.S. States Visited: 28

Why Purchase Travel Insurance

Allianz epidemic coverage endorsement, onetrip plans — for affordability and select coverages, alltrips annual plans — cover all of your trips for a 12-month period, how to obtain a quote with allianz, onetrip emergency medical plan, onetrip cancellation plus plan, rental car damage protector, allianz vs. credit card travel insurance, allianz vs. other travel insurance companies, allianz vs. point-of-sale travel insurance and protection, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

There are a lot of choices when it comes to travel insurance companies , so narrowing your selection to those that have a solid financial rating, offer products that provide good value, and receive high customer ratings should be baseline criteria.

Allianz Global Assistance company ( Allianz Travel) checks all of those boxes. Its parent company, Allianz SE, receives an A+ rating from A.M. Best (a leading insurance financial rating firm), and the company offers competitive individual trip and annual travel insurance products. It also serves over 45 million customers in the U.S. each year with 84% of those customers giving the company a 5-star rating.

Allianz has also been around a long time. In fact, the company was there to insure the Wright Brothers’ first flight and the construction of the Golden Gate Bridge — so you know you’re working with an established organization. You’ll also find that Allianz does business in more than 35 countries.

Let’s take a look specifically at Allianz Travel’s insurance products, show you how to obtain a quote, and give you some tips on purchasing and comparing travel insurance policies.

And while our focus is on Allianz Travel coverage, much of our information can apply to purchasing travel insurance in general.

Travel insurance can protect your trip investment with coverage for disruption due to unforeseen events such as severe weather, should you become ill, for illness in your family, missed connections, medical emergencies, and more.

Deciding whether to purchase travel insurance for your trip is an option each time you make a travel booking. The coverage is commonly offered by airlines, cruise companies, tour operators and other travel providers at the point of sale. If you travel infrequently and the cost is relatively low, you may just opt for the coverage during the booking process.

However, if you’re going to be taking several trips, you may be able to save money and receive better coverage if you compare with other travel insurance policies in the marketplace. Additionally, you’ll want to determine if it makes sense to purchase single insurance coverage for each trip or an annual all-trips-included policy.

Situations where it makes sense to purchase travel insurance include the following:

• You’re booking an expensive trip that includes a lot of non-refundable upfront expenses
• Your trip includes several travel providers (i.e. airlines, hotels, and tour operators)

While travel insurance is meant to cover unforeseen events, purchasing Cancel for Any Reason coverage may allow you to cancel your trip for any reason.

Bottom Line: If you’re uncomfortable with the amount of money you have at risk when you travel, securing travel insurance can provide immediate peace of mind . You’ll have solace in knowing that if you needed to cancel your travel plans due to a covered event or if your travel is disrupted, you’ll be able to recoup most, or all, of your investment.

Travel Insurance and the COVID-19 Virus

Most travel insurance policies do not provide coverage for trip cancellation due to fear of the coronavirus pandemic . However, COVID-19 is an included illness on many travel insurance policies as it relates to certain coverages such as emergency medical care while traveling and canceling a trip if you become ill with the virus. You may also have coverage if a family member or travel companion contracts the virus and you must cancel your trip as a result.

The only way to cover trip cancellations due to fear of contracting COVID-19 is to purchase Cancel for Any Reason insurance. This coverage can be added to a comprehensive travel insurance policy (with limitations) and subsequently allows you to cancel your trip for any reason.

While Allianz does not offer Cancel for Any Reason insurance , it may cover COVID-19 related illness in the following circumstances:

• Emergency medical care while traveling
• Trip cancellation due to becoming ill with the virus

Allianz recently announced that it is adding a new endorsement to select policies that will offer limited coverage for COVID-19 . Circumstances such as becoming ill with COVID-19 and having to cancel your trip, hospitalization, and trip delays due to such illness while traveling will have coverage.

Emergency transportation coverage has also been expanded to include COVID-19-related illness. Terms and conditions apply and the endorsement is not available on all policies Allianz offers.

You can find policies that offer Cancel for Any Reason insurance at TravelInsurance.com  and Aardy.com .

Bottom Line: Travel insurance policies normally do not cover canceling your trip because of fear you might get ill. However, Cancel for Any Reason insurance allows you to cancel a trip for any reason you determine is necessary. 

Types of Travel Insurance Policies Available With Allianz

Allianz Travel offers 2 core types of travel insurance plans: single trip plans and multi-trip plans . Each plan allows you to select the level of coverage you want and subsequently, the level of premium you prefer to pay.

We’ve used criteria to obtain a quote for a traveler age 35, traveling for 1 week to Mexico on a trip costing $3,000 . All benefits are per person, per trip, unless otherwise noted.

The single trip option allows you to select from a Basic, Prime, or Premier plan. Premiums vary by plan and coverage levels.  For the example we selected, the premiums ranged from  $116 for the Basic to $192 for the Premier pla n .

OneTrip Basic Plan — the Most Affordable Plan

The OneTrip Basic plan offers basic trip protection at an affordable price.

OneTrip Prime Plan — the Most Popular Plan

Need more coverage but still want your travel insurance protection to be affordable? The OneTrip Prime plan offers higher coverage limits at a reasonable cost.

The following are the maximum coverage limits for OneTrip plans. These coverages can be found under the OneTrip Premier Plan:

• Trip Cancellation —  up to $100,000 reimbursement for prepaid non-refundable expenses; pre-existing medical conditions included
• Trip Interruption —  up to $150,000 reimburses for remaining non-recoverable expenses and increased cost of return transport due to trip interruption as the result of a covered event; pre-existing medical conditions included
• Emergency Medical — up to $25,000
• Emergency Medical Transportation — up to $500,000 for transportation to the nearest medical facility
• Baggage Loss/Damage — up to $1,000 for theft, loss, or damage
• Baggage Delay —  up to $300 for delays 12 hours or more
• Trip Delay — up to $800 ($200/day for 4 days) for delays of 6 hours or more, for eligible expenses; an option to receive $100/day with no receipts required is also available
• Change Fee Coverage — $500
• Loyalty Program Re-deposit Fee Coverage — $500, covers re-deposit of points/miles due to covered trip cancellation
• 24 Hour Hotline Assistance
• Optional coverages include pre-existing medical coverage, rental car coverage, and required to work coverage — restrictions apply

Also worth noting is that kids age 17 and under are covered at no additional charge when traveling with a parent or grandparent.

Bottom Line: Allianz offers several levels of single-trip travel insurance plans that can fit every budget and level of coverage needed. 

If you’re a frequent traveler and want to ensure all of your trips are covered without having to purchase individual travel insurance policies, one of the AllTrips plans might be an appropriate choice. All of the trips you book within the 12-month policy period are covered automatically.

Coverage limits are per person, per trip, but more than 1 person can be included in the policy. Children 17 and under are covered at no additional charge when traveling with a parent or grandparent.

The AllTrips Executive plan is the most comprehensive policy and includes the maximum coverage limits listed below . AllTrips Prime and AllTrips Basic have less coverage than the Executive plan but may still be appropriate for your situation.

For example, the AllTips Basic plan does not include trip cancellation/interruption insurance but has emergency medical, evacuation, trip delay, baggage insurance, and car rental insurance.

• Trip Cancellation —  up to $10,000 reimbursement for prepaid non-refundable expenses
• Trip Interruption —  up to $10,000 reimburses for remaining non-recoverable expenses and increased cost of return transport due to trip interruption as the result of a covered event
• Emergency Medical — up to$50,000
• Emergency Medical Transportation — up to $250,000 for transportation to the nearest medical facility
• Baggage Loss/Damage —  up to $1,000 for theft, loss, or damage
• Baggage Delay — up to $1,000 for delays 12 hours or more
• Trip Delay —  up to $200 per day for eligible expenses, up to $1,600 in coverage , for delays of 6 hours or more
• Rental Car Damage and Theft — up to $45,000
• Business Equipment Coverage — up to $1,000
• Change Fee Coverage — up to $500
• Loyalty Program Redeposit Fee — up to $500
• Travel Accident Insurance — up to $50,000
• Concierge Services
• Optional Pre-Existing Medical Coverage — restrictions apply

Bottom Line: Allianz’s AllTrips 12-month plans offer affordable options to cover every trip you have booked or have yet to book within a 12-month period. 

Travel insurance is one of the easiest policies for which to obtain a quote and subsequently purchase a policy. Unlike auto or home insurance, you simply input some basic information about your trip, your age, where you reside, and your quote is instant.

You can then read through the coverages, select a policy that fits, and hit the purchase button. There is also no risk as you’ll have a free-look period where you can review the policy and decide whether to keep it or not.

If not, you can get a full refund. This period can be 10-14 days after purchase , depending on your plan and state regulations.

Additional Travel Insurance Offered by Allianz

In addition to the travel insurance packages offered by Allianz, you can purchase these additional plans and coverages available for single trips:

If trip interruption/cancellation is not important to you, you’ll find this plan with emergency medical, baggage insurance , emergency transport, travel accident coverage , and trip delay an affordable alternative.

If you need to cancel your trip for a covered reason or your trip is interrupted for a covered event, you’ll have coverage. Trip delay and 24-hour assistance are included.

For $9 per day, receive rental car damage/theft coverage, rental car trip interruption protection, and baggage loss coverage.

Hot Tip: If trip cancellation/interruption or trip delay coverage comes with your credit card is adequate for your trip but you want additional medical coverage, the Allianz’s OneTrip Emergency Medical plan may be a viable and affordable supplement. 

How Allianz Compares

When it comes to comparing travel insurance policies, it’s difficult to match apples to apples. Coverages vary widely, as well as terms and conditions. The lowest-priced policy is not always the best value for your needs. The flip side is possible, too. You may find a policy with plenty of coverage at a price that is more than you want to spend.

The best solution is when you find a balance between coverage and cost.

Here’s how Allianz’s travel insurance offerings compare with other travel insurance options.

The coverage that comes with your credit card does not compare with a comprehensive travel insurance policy . In addition to the limited travel insurance coverage credit cards offer, if you do have a claim, you’ll have the potential hassle of dealing with a third-party claims administrator.

With that being said, the trip cancellation, trip interruption, trip delay insurance, and primary rental car insurance coverages found on several credit cards may be more than adequate for your trip.

Here are some of the best credit cards for travel insurance:

The Platinum Card ® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card  is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access , hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
• Annual and monthly statement credits upon enrollment ( airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit )
• TSA PreCheck or Global Entry credit
• Access to American Express Fine Hotels and Resorts
• Access to Amex International Airline Program
• No foreign transaction fees ( rates and fees )
• $695 annual fee ( rates and fees )
• Airline credit does not cover airfare (only incidentals like checked bags)
• Earn 80,000 Membership Rewards ® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card ® , Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards ® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards ® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts ® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card ® . The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card ® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card ® . Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card ® .
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card ® . Enrollment required. Visit https://platinum.equinox.com/ to enroll.
• $189 CLEAR ® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card ® . Learn more.
• $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck ® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card ® . Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card ® . That's up to $50 in statement credits semi-annually. Enrollment required.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card ® . An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
• $695 annual fee.
• Terms Apply.

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• Foreign Transaction Fees: None

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• Amex Platinum vs Delta Platinum
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• Amex Platinum vs Delta Reserve

The Amex Platinum card comes with trip cancellation and trip interruption insurance with a benefit of $10,000 per trip, up to a maximum of $20,000 per account per 12-month period.

Pay for your trip with your eligible card and you, your immediate family, and eligible traveling companions are covered for non-refundable expenses paid to the travel provider. Trip interruption coverage will also reimburse for additional travel expenses incurred due to a covered loss during your trip.

Trip delay coverage is also included on the Amex Platinum card for delays more than 6 hours. Reimbursement for incidentals and eligible incurred expenses is limited to $500 per trip with 2 claims allowed per 12-month period.

The Amex Platinum card also comes with emergency medical evacuation coverage .

For more information, check out our detailed guide to the travel insurance benefits offered by the Amex Platinum card.

Chase Sapphire Preferred ® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide
• $50 annual credit on hotel stays booked through the Chase Travel portal
• 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
• Excellent travel and car rental insurance
• 10% annual bonus points
• No foreign transaction fees
• 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• 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℠.
• Enjoy benefits such as 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, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC
• APR: 21.49%-28.49% Variable

Chase Ultimate Rewards

• The Chase Sapphire Preferred 80k or 100k Bonus Offer
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• Chase Sapphire Preferred vs Reserve
• Amex Gold vs Chase Sapphire Preferred

Pay for your trip with your eligible card for up to $10,000 in coverage per person, $20,000 per trip, and up to $40,000 in a 12-month period. You and your qualifying immediate family are covered.

You’ll also find primary car rental insurance on the Chase Sapphire Preferred card and the Chase Sapphire Reserve ® .

To learn more about the travel insurance benefits on the Chase Sapphire Preferred card , you’ll want to review this detailed article.

Chase Sapphire Reserve Card

Chase Sapphire Reserve ®

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve ®  is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access , with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• 5x points on airfare booked through Chase Travel SM
• 3x points on all other travel and dining purchases; 1x point on all other purchases
• $300 annual travel credit
• Priority Pass airport lounge access
• TSA PreCheck, Global Entry, or NEXUS credit
• Access to Chase Luxury Hotel and Resort Collection
• Rental car elite status with National and Avis
• $550 annual fee
• Does not offer any sort of hotel elite status
• 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℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• 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
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
• APR: 22.49%-29.49% Variable
• Chase Sapphire Reserve 100k Bonus Offer
• Chase Sapphire Reserve Benefits
• Chase Sapphire Reserve Airport Lounge Access
• Chase Sapphire Reserve Travel Insurance Benefits
• Chase Sapphire Reserve Military Benefits
• Amex Gold vs Chase Sapphire Reserve

In addition to the same trip cancellation/interruption/delay coverage as the Chase Sapphire Preferred card, the Chase Sapphire Reserve card offers up to $2,500 in emergency dental and medical coverage , emergency medical evacuation .

For more information check out this guide to all of the travel insurance benefits offered by the Sapphire Reserve.

Before purchasing any travel insurance policy, it’s wise to compare — fortunately that’s an easy task to execute. With comparison sites such as the ones listed here, you can compare as many as 100 travel insurance policies very quickly and find a policy that fits your situation and budget.

Keep in mind that insurance rates and coverages are highly regulated by the states . Insurance companies file a certain policy for a certain price with the state insurance commission, then the company is allowed to offer that policy, at that price, in that state.

For this reason, you won’t find the same policy offered at different prices. However, you could find a policy that is a better fit and possibly for less money by comparing several companies’ offerings.

Not all comparison sites include Allianz but when comparing similar policies, you’ll find that the company is competitively priced (a few companies lower and many companies higher). Individual results will vary based on your criteria.

Here are 4 websites that allow you to easily compare travel insurance policies.

• Insure My Trip — With over 60,000 customer reviews, 21 highly-rated travel insurance providers, and a best price guarantee, Insure My Trip makes it easy to find the right travel insurance policy.
• Travelinsurance.com — Compare major top-rated travel insurance company policies easily with this licensed online insurance search engine.
• SquareMouth — This popular travel insurance search engine offers easy comparisons of hundreds of policies offered by dozens of highly-rated insurance companies.
• Aardy — AardvarkCompare is a licensed travel insurance company with agents on staff to help you find the right travel insurance policy. Its website allows you to compare the policies of over 30 travel insurance providers.

There are also specialty companies such as World Nomads  that do a great job providing travel insurance for active individuals. If you’re into outdoor sports, adventure activities, or even more risky activities such as skydiving, you can find coverage through World Nomads.

Bottom Line: If you’re looking to purchase a travel insurance policy, you’ll want to compare companies and policies . First, look at companies with a strong financial rating, select a policy with coverages that are a priority to you, then select a premium you’re comfortable paying. 

Allianz is actually one of the companies that provides the travel insurance you’re offered when you book a flight. An example is displayed in the above image of their offerings when you purchase a Delta Air Lines ticket.

Point-of-sale travel insurance, however, can run from inexpensive options that offer little coverage to expensive options that provide greater coverage but still have limitations, similar to stand-along travel insurance policies.

If you fly once or twice a year, the coverage is adequate for your needs, and the cost is reasonable, you may easily choose to go this route and purchase coverage at the point of sale. However, you may fare better by securing a separate travel insurance quote to compare coverage/cost.

Always read the fine print before purchasing any coverage to ensure you’re getting the coverage you expect. For example, one might assume by looking at this example that canceling the trip would be covered, when in reality the covered reasons are limited.

Bottom Line: Even for point-of-sale travel insurance to cover a single travel purchase, it’s good to get a comparison quote. Securing a quote may save you money while offering broader coverage that could cover your entire trip versus just a portion of it. 

Allianz is a solid, established, company offering a nice selection of packaged travel insurance products. Its website is easy to use with a quick quoting function and a simple purchase process. The site is also easy to understand as it is clearly written in plain language rather than legal verbiage.

One downside of Allianz is that the company does not sell Cancel for Any Reason Insurance . This is not an issue if you understand this up front and know that your policy does not allow you to cancel a trip for just any reason. After all, this is the case with most travel insurance — there are specific covered reasons for being able to cancel a trip and have coverage.

Cancel for Any Reason insurance can also result in a premium as much as 70% more than a standard policy, so many travelers may not consider it due to its cost.

If money is not a concern, you can purchase as much insurance as you’d like to have. However, in reality, purchasing travel insurance that works for you involves finding a balance between the coverage you want and the maximum premium you’re willing to pay.

Allianz is a respected company that offers a variety of policy choices with appropriate coverage for the majority of travelers at price points that fit most budgets.

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 .

For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Is travel insurance worth it.

Yes, it can be worth it. If you are uncomfortable with the amount of money you would lose or be forced to pay in the event you had to cancel your trip or if you incurred disruption while traveling, you should purchase travel insurance.

An inexpensive trip or single flight may not warrant purchasing travel insurance, but insuring an expensive or complicated trip where you have a lot of non-refundable prepaid expenses at risk makes economic sense.

Travel insurance also provides the intangible benefit of peace of mind, knowing you are protected if you have to cancel due to a covered event or your trip is disrupted once in motion.

What is covered for trip cancellation?

There are limited covered reasons for receiving a benefit from trip cancellation insurance. The number 1 reason most travelers cancel their trips, according to InsureMyTrip.com , is the unforeseen illness of the traveler or of family members.

Fortunately, this is a covered reason for trip cancellation, although the level of coverage varies by company and policy.

Additional covered reasons can include death, hospitalization, or accident to you or covered family, legal obligations, your home becomes uninhabitable, the default of the travel provider, or natural disaster.

Deciding not to take a trip is not a covered reason for trip cancellation. Cancel for Any Reason insurance must be purchased in order to cover canceling a trip for a reason you personally deem necessary.

Does travel insurance cover flight cancellations?

Yes, travel insurance can cover flight cancellations in certain circumstances and depending on the policy purchased.

However, if an airline cancels your flight, whether prior to travel or during your travels, you would first contact the airline or the agency where you purchased your ticket for rebooking, a refund, or travel credit.

If you are not made whole, you could then look for coverage in your travel insurance policy.

If a flight is canceled due to weather during your travels, for example, and you are forced to incur unexpected expenses as a result, you could have coverage under a travel insurance policy if these expenses are not covered, or insufficiently covered, by the airline.

There could also be coverage under trip interruption/delay insurance if an airline cancels a flight and it causes you to miss ongoing travel which has been prepaid and is non-refundable.

Which is the best travel insurance company?

The best travel insurance company will have a high financial rating from a respected insurance industry rating company such as A.M. Best, offer a selection of coverages that matches your protection priorities, and does this at a price you’re willing to pay.

You should check reviews as well, keeping in mind that most consumers want to pay the least amount of money they can at the time of purchase and by doing so, coverage can be sacrificed. When there’s a claim, it’s natural to want the highest degree of coverage, although that may not have been the level purchased.

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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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The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Tick Travel Insurance Top Cover Review: Features, Pros And Cons

Published: Apr 24, 2024, 1:46am

When comparing Tick Travel Insurance’s pricing against cover levels in key areas, such as emergency medical expenses and trip cancellation, it is safe to argue that it’s a highly competitive player in the market. Travellers will likely appreciate the unlimited medical and $20,000 of cancellation cover available. Plus, the 24-hour medical emergency assistance line may offer added peace of mind.

However, some travellers may feel that Tick Travel Insurance’s Top Policy falls a little short on nice-to-have coverage, including lost luggage and rental car excess limits. Let’s take a closer look at Tick’s top policy offering.

• Competitive pricing
• High levels of medical and cancellation cover
• High customer service rating
• Credit card fraud not covered
• Higher levels of luggage cover elsewhere
• Missed connections not covered

Table of Contents

About tick travel insurance, what does tick travel insurance cover, does tick travel insurance cover me for covid, pricing comparison, customer service, the bottom line.

Featured Partners

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

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

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Tick Travel Insurance is owned by Europ Assistance which is a part of the global Generali Group, and underwritten by Mitsui Sumitomo Insurance Company Limited.

Generali is a large global insurance and asset management provider, while Europ Assistance says it has a presence in over 200 countries, providing comfort and empathy to customers in emergency situations, and an immediate global response.

Tick Travel Insurance’s aim is to make travel insurance simple, covering travellers up to age 100. It offers three levels of domestic travel insurance: Basic, Standard and Top and four types of international travel insurance: Basic, Budget, Standard and Top.

This review will focus on the most comprehensive offering for international travel, being the Tick Travel Insurance Top plan.

Tick Travel Insurance provides domestic and international cover, offering policies for single trips and annual cover for multiple trips in a year. The provider covers adults up to the age of 100, while dependent children, up to 18-years-old at time of purchase, are insured for free on an adult’s policy.

As is typical of travel insurance, its policies cover trip cancellation or curtailment and journey resumption, due to unforeseen circumstances such as injury or illness, as standard. Cover for travel delay is available on the top policies, with a pay out of $100 per completed hour up to $1,000. Valid reasons for claiming include bad weather, a vehicle breakdown or strike, and experiencing a delay of more than 12 hours.

Tick Travel Insurance’s Top plan also includes the following standard benefits that form a part of most comprehensive travel insurance policies:

Lost Luggage

This insurer covers the cost of repairing or replacing your lost, stolen or damaged personal belongings up to $7,500. Take note of the $3,000 sublimit— individual limit— on how much you can claim for devices such as laptops, tablets, phones, video cameras and cameras.

Tick Travel Insurance offers unlimited medical cover, which includes cover for ambulance and emergency surgery, repatriation if necessary, and the death of you, or another person insured on the policy.

While the insurer can cover pre-existing conditions (medical conditions you had before taking out the policy), whether you will be eligible for this cover will depend on the details you provide, outlining the condition and its severity, in the medical screening section of the application.

Is Dental Cover Included?

This insurer also extends its cover to dental treatment, paying out up to $500. This is half of what many providers offer, and bear in mind that you can only claim for dental cover for situations where you need immediate pain relief.

Yes, protection against risks in relation to Covid-19 are covered by Tick Travel Insurance’s Top policy. The insurer accepts related cancellation and disruption claims, as well as medical claims for trips outside of Australia.

What About Pregnancy?

You can claim for an extensive range of pregnancy or childbirth complications up to 31 weeks into your pregnancy with this insurer. These include toxaemia, gestational diabetes and pre-eclampsia.

What About Sports And Activities?

From abseiling, to jet skiing and motorcycling, insurance for 90 sports and activities is included automatically with Tick Travel Insurance.

Remember to look out for conditions for claiming. For instance, you will only be covered for three bungee jumps and can only kayak in grades 1 and 2 rapids or lower. Also, some activities may require safety gear that you will need to wear to make a valid claim.

Cover for personal liability and accidental injury only apply to certain activities, as specified in the PDS.

Compared to the competition, Tick Travel Insurance offers relatively decent to high levels of cover across the board for a super competitive price.

When comparing the price of its most comprehensive policy against those of Travel Insurance Direct and Allianz—two providers we rated highly for their comprehensive offering—it comes out on top.

The data below is based on a 28-year-old who needs insurance for Indonesia for seven days.

The above table shows how important it is to shop around for travel insurance, and weigh up your needs with your budget when comparing policies. Tick’s Travel Insurance’s Top policy is only $77, offers considerably more cancellation cover than its competitors for this price, and levies less in excess—the set portion of each claim you must pay.

However, it may not be suitable for those who need higher levels of cover in other areas such as lost luggage and rental car excess. You can find out exactly what a policy includes and excludes in its PDS, which is usually published on the insurer’s website.

You can also find out more about the comprehensive travel insurance providers Forbes Advisor Australia has independently rated the best.

Customers award Tick Travel Insurance a high score of 4 out of 5 stars across 2832 reviews on ProductReview, Australia’s leading consumer opinion site.

Satisfied customers were pleased with how simple they found the process of taking out insurance, and the price of their policy.

However, disgruntled customer complaints were varied. Some speak of technical difficulties with the provider taking payment and not offering a refund instead, trouble accessing their policy documents and rejected claims.

To speak to someone on Tick Travel Insurance’s customer service team, you can fill in the online query form or email: [email protected] .

For 24-hour emergency assistance, you can call: +612 9333 3963, and for emergencies and claims, email: [email protected] .

You can also send written correspondence to:

Customer Services Tick Insurance Australia Suite 1.04, Level 1, 19 Harris Street Pyrmont, 2009 Sydney NSW

Additionally, you can send a complaint via post, or email: [email protected] .

Tick Travel Insurance may be considered most suitable for those looking for reasonable to high levels of cover in key areas, for a competitive price. This includes unlimited medical cover and $20,000 for trip cancellation. In other areas cover levels are decent, but may not be suitable for all. Those taking away belongings worth over $7,500 or needing more than $4,000 in rental car excess may want to look elsewhere.

Frequently Asked Questions (FAQs)

Where can i find the tick travel insurance pds.

A policy’s product disclosure statement (PDS) details what it covers, any exclusions and limitations or sublimits. It’s crucial that travellers read through this document before deciding whether to purchase the policy.

Typically, an insurer will provide a link to a policy’s PDS on its website. The PDS for Tick Travel Insurance’s policies, including its comprehensive cover, are also online .

What is Tick Travel Insurance’s phone number?

Existing customers and those with service queries can fill in Tick Travel Insurance’s online query form should they need assistance, or contact at [email protected].

For 24-hour emergency assistance customers can call: +612 9333 3963.

How good is Tick travel insurance?

We have awarded Tick Travel Insurance 3.7 out of 5 stars based on factors such as the unlimited amount of medical cover, and high level of cancellation cover, it provides. It also scores highly on customer review site productreview.com.au.

However, customers should note it does not cover you, if you fall victim to credit card fraud while away. Neither are you able to choose the amount of cancellation cover you need as with some other insurers. This may not be of concern, considering $20,000 for cancellation is automatically provided, which is a considerable amount, and Tick Travel Insurance policies are competitively priced.

I have been writing for newspapers, magazines and online publications for over 10 years. My passion is providing, in a way that is easily accessible and digestible to all, the knowledge needed for readers to not only manage their finances, but financially flourish.

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Read the fine print: Winnipeg couple's travel insurance claim 'not covered,' insurer says

Flood forced pair to cancel trip, but cancellation coverage didn't include specific event.

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A Winnipeg senior is questioning the value of buying flight cancellation insurance after his claim was denied.

James Parker, 78, and his wife, Rena, bought two tickets on WestJet flights to Calgary last December to visit relatives in January. They purchased the cheapest ticket option knowing they wouldn't get a refund or credit should they need to cancel, so they decided to get cancellation insurance just in case.

The insurance was a cheaper option than the more expensive tickets.

"Pre-COVID, we didn't really buy cancellation insurance," James Parker said.

Because there have been so many delays with airlines since the pandemic, Parker says he thought he would get insurance for peace of mind. After he selected his tickets and seats, he clicked on the box for cancellation insurance.

"It was $117, I think, something like that," he recalled. "It gives me a little bit of peace of mind, you know, so that's what I did."

A few weeks later, he says, they got a call that their accommodations would no longer be available because their relative's condo had flooded and she was forced to move out for six weeks. The Parkers had rented a condo in the building, but were told they would no longer be able to stay there.

WestJet refunded Parker's seat selection, but he was still out $623.72 on the cost of the flight. He filed a claim with Allianz Global Assistance Canada, thinking he would be covered. He was not. 

"I mean, it said cancellation insurance. Quite honestly, I didn't read the fine print," Parker said.

"You would think there would be some leeway … it was impossible for us at the time to to make other arrangements." 

A spokesperson for Allianz Global Assistance says the trip cancellation and interruption plan offered through WestJet does not cover disasters that affect prepaid accommodations at the insured's destination.

"In general, for prepaid travel expenses to be eligible for reimbursement under trip cancellation benefits, the reason for cancellation must be listed as a 'covered reason' within the customer's policy of insurance," wrote Tayjua Squire, manager of corporate communications for Allianz Global.

She said a copy of the policy would have been provided to the customer at time of purchase.

Squire said all travellers should review their policy to understand the scenarios that are covered, and those that are not.

He believed his claim was reasonable and would therefore be reimbursed for the cancelled flights, but later learned if it's not listed as a covered reason no refund is provided.

"I thought it was unfair, and I questioned my idea about what insurance is for," he said.

94% of claims are paid: insurance association

The Travel Health Insurance Association of Canada says a recent survey showed 94 per cent of travel insurance claims are paid.

"The benefits are there for many Canadians when they're purchasing it. It's the unfortunate times when the coverage expectation doesn't line up with the actual wording of the policy," said the association's executive director, Will McAleer. 

He says policies vary and advises purchasers to become familiar with what's covered before boarding the flight. 

"They put policies in and they price them according to the wording that they've got, so it'll cover certain things in one policy, but maybe not another ," McAleer said.

For example, one of the "covered reasons" listed on Allianz Global's website includes a disaster "that renders your pre-booked destination accommodation uninhabitable after you book your trip." In that case, the Parkers would have been covered, but that option was not included in the WestJet policy he purchased.

"It's not unusual for insurers in the Canadian market to have many different policy wordings depending on the partner or the partnership that they're working on. And those can differ in terms of coverages and provisions," McAleer said.

Parker feels he had a valid reason to cancel his trip and should have been covered.

"It's the principle more than the money that is bothering me at the moment," he said, adding travel insurance policies need to be more nuanced.

"I understand it's a business to make money, but I think there should be leeway to deal with changes or modifications that arise, because not everything can be written down, you know? I mean, it's life," Parker said.

He said in the future he would rather buy travel insurance from a local company, and not just tick off a box and hope he will be covered if anything happens.

Winnipegger denied flight refund even though he bought cancellation insurance

About the author.

Investigative Reporter, CBC Manitoba I-Team

Caroline began her career co-hosting an internet radio talk show in Toronto and then worked at various stations in Oshawa, Sudbury and Toronto before landing in Winnipeg in 2007. Since joining CBC Manitoba as a reporter in 2013, she won a Canadian Screen Award for best local reporter, and received a CAJ and RTDNA awards for her work with the investigative unit. Email: [email protected]

• Twitter: @cbarghout
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Shipping costs on the rise with conflict, pirates, protectionism and profits sharing the blame

Getting stuff to you is harder than it looks — and it's getting harder.

After the COVID years of lockdowns, staff shortages and global supply chain issues, people in the business of moving things around the world are finding new problems.

"It's just seems like there's one thing after another keeps hitting them," says Andrew Schwartz, who brings in goods from around the world as manager of pop culture store Area 52 in Hobart.

"Something new keeps popping up."

The issues are different to the global supply chain constrictions we saw during COVID or that time a ship got stuck in the Suez Canal .

These new problems include increased costs: as ships go further to avoid piracy and conflict zones and the price of insurance premiums to protect them from those risks rockets in price. 

"A lot of stuff we get from places like the US or Japan ... and unfortunately that means we have to charge a bit more," Mr Schwartz says.

"It can be a bit slower to get some of it in, because we'll get bumped by other people who are in a hurry to get their stuff here."

Port problems

Saul Cannon runs Australia's busiest general cargo and container port, the Port of Melbourne.

The port is spending $3 billion in the coming decade on maintenance, expansion and development, pitching a healthy outlook for growth in global trade.

For now though, things are off, says Mr Cannon.

"In terms of outlook ... it's not a technical term but 'flat-ish' would be how I describe the outlook."

As ever in complex systems, there's not one single problem in the global supply chain.

And a lot of the issues that caught attention in 2020-2022 have stabilised.

"I guess the interesting thing about working in supply chains is there always is something," says Mr Cannon, the port's chief executive.

"Whether it's extreme weather events that might impact parts of the supply chain, whether it is some of these geopolitical issues overseas ... we do see flow on effects right up and down.

"And I guess the big reflection for me is right across the supply chain, is just how connected we all are."

The metal shipping containers you see at the docks and on trucks are the measure of volume in freight.

Called a TEU — twenty-foot equivalent unit — the Port of Melbourne moves more than 3.2 million a year.

Their average daily trade is 238 TEUs of furniture, 171 containers of appliances and 152 of clothing, alongside an average of 1,373 cars a day.

World growth

Economists from the World Trade Organisation (WTO) forecast the global trade of goods to pick up gradually this year, after it shrank in 2023. 

The high cost of energy, inflation and interest rates all contributed to last year's fall, which slid 1.2 per cent in volume but fell 5 per cent in value, reflecting that it was higher-cost items people put off buying as a global cost of living crisis flared.

WTO director-general Ngozi Okonjo-Iweala said there is progress towards global trade recovery, with "resilient supply chains" and solid trade links between nations.

But. And there's always a but.

"It's imperative that we mitigate risks like geopolitical strife and trade fragmentation to maintain economic growth and stability."

The organisation predicts world trade should increase by 2.6 per cent in 2024 and 3.3 per cent in 2025.

The risks to that forecast are regional conflicts, geopolitical tensions and economic policy uncertainty.

And they're all happening, right now.

'Significant difficulties'

For people who make their living moving things in and out of our island nation, it's quite a time.

"We've got significant difficulties now around the world," says Paul Zalai, a director of the Freight Trade Alliance, which represents importers and freight forwarders, as well as the secretary of the Australian Peak Shippers Association representing major exporters.

"So it's very challenging times now, but nowhere near as difficult as what we faced during COVID."

The pandemic took out huge swathes of the workforce and impacted the cooperation of international governments.

Additionally, around 80 per cent of the goods transported by air comes to and leaves Australia in the belly of passenger aircraft. When they stopped, the trade largely did too.

But the current issues aren't easy either, and include:

• Extreme weather in the Middle East that has drenched Dubai's freight hubs
• Drought limiting the number of ships that can use the Panama Canal  (a shortcut through Central America)
• Iran-backed Houthi rebels in Yemen firing missiles and drones at container ships in the Red Sea
• Conflict in Ukraine and the Middle East destabilising those regions and making trade harder

The impact is real.

To avoid the Houthi rebels vessels are travelling further, past the Cape of Good Hope. For Australian businesses, Mr Zalai says trade to and from the Mediterranean, the UK and Europe is taking an extra 10 to 14 days.

"That comes at extra costs: not just the transport costs that have increased, but even things like insurance," he says.

In a recent report investment bank JP Morgan suggested the hostilities in the Red Sea could push core inflation , globally, about 0.3 percentage points higher.

Mr Zalai isn't surprised.

"Ultimately, the costs do pass down through the supply chain and, ultimately, importers and exporters pay more. Consumers pay more."

More costs, slower movement

In stores, the reality is that things cost a little more and take a little longer to be available. 

"A lot of people think that they can just grab (an item) in like a week or something," says Andrew Schwartz of Area 52

"Unfortunately, a lot of the time, there's still going to be a little delay, but it's a lot better than it was during COVID."

Part of the delay is distributors switching from air freight to shipping. 

"So product that would be (released) 'day and date' with the rest of the world might be delayed a couple of weeks, because they're sea-freighting things, they're trying to keep costs down."

Using air freight means some items like books have risen to a price — near $45 — where they're difficult to sell.

"You're seeing a lot of times they'll either publish (comics and books) here and it'll be delayed a little bit to get it published, because there's not as much capacity," Mr Schwartz says.

"Or you're seeing it where it'll first hit London and the US and then we'll get it a couple of weeks later."

Population growth

The problems of today obscure the work that is going on to secure the future.

Ships that can hold around 14,000 TEU (containers) are now floating around the world.

Called 'New Panamax' because they are formatted to fit through the Panama Canal, they are more than 366-metres long: greater than three soccer pitches or 15 tennis courts in length.

While populism, protectionism and piracy grab the headlines in world trade, what's driving the bigger boats is a continually growing population of people who want things.

"There is a confidence that economic growth is going to be underpinned by population growth," says Saul Cannon from the Port of Melbourne.

"Melbourne is forecast to be the largest city [in Australia] by population by 2030/31 and ... that's going to drive the economic activity.

"We're an island nation and we import a lot of things."

Empty shelves

The empty shelves and long supply times evident during COVID will be well-remembered by local consumers.

But there's something else, too.

"Everyone should feel proud of what we all did," Mr Cannon adds, "to work together to ensure that Australia kept operating.

"We have to still do a lot more development and work. But I think we've come a long way and, and should feel confident about that future."

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