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Squaremouth Travel Insurance Review — Is It Worth It?

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Squaremouth Travel Insurance: Positives

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Part of planning for your next vacation should include asking yourself, “What if something goes wrong?” Your answer to that question likely includes shopping for travel insurance.

Choosing the right policy can reduce your out-of-pocket expenses if you have delays, cancellations, or injuries. But how do you choose from the overwhelming number of travel insurance policies available? Enter Squaremouth : a website that provides travel insurance reviews and comparisons to help you shop for your next policy.

Squaremouth doesn’t provide insurance. Instead, it helps you shop for insurance. That can be a great starting point, but there are other elements you should understand before selecting and paying for a policy. Choosing the right policy, even on a comparison page like Squaremouth, can take considerable time and effort.

Here’s a look at the positives and negatives of Squaremouth and how shopping for a policy works at Squaremouth.

• Provides comparisons of coverage and prices across dozens of insurance providers
• Makes it easy to add favorites or choose items to compare in detail
• Has a zero-complaint guarantee

Rather than comparison shopping on individual travel insurance websites, you can do it all on Squaremouth’s website . You’ll see prices across numerous providers and multiple plans from these providers. It’s the best free tool to start looking for insurance across the many possible plans you could buy.

When shopping for plans, you can select your favorite providers, which Squaremouth remembers for the future to help you efficiently compare plans the next time you shop on Squaremouth’s site.

Squaremouth has a “ zero-complaint guarantee ,” promising fair adjudication of your travel insurance claim if you buy a policy through its marketplace. While Squaremouth doesn’t provide insurance, it will take a second look at your claim and ensure it’s resolved correctly. The website describes this policy as follows:

“If your claim has been denied and you believe the determination was made unfairly, our team of licensed claims adjusters will investigate your case and mediate with the provider on your behalf. If the complaint is not resolved to Squaremouth’s satisfaction, we will remove the provider from our website and stop selling their policies.”

Contrary to the name of the policy, the company can’t guarantee there are no complaints. Still, it can advocate for you if you have problems with your insurance provider after buying a policy through Squaremouth’s platform.

Squaremouth Travel Insurance: Negatives

• It’s not an insurance provider and doesn’t sell travel insurance policies
• There are mixed reviews from customers, mostly related to customer service
• It doesn’t provide coverage details or exclusions in the comparison charts

Squaremouth isn’t an insurance provider and doesn’t directly sell or underwrite travel insurance. Having “Squaremouth travel insurance” is impossible since Squaremouth is a comparison website — not a policy provider. As a comparison marketplace, Squaremouth lets you compare policies and costs from multiple providers. In this regard, you aren’t buying travel insurance from Squaremouth but are using Squaremouth to find travel insurance.

It may help to think of Squaremouth the way you think of Expedia: You shop for flights on Expedia, but Expedia isn’t the airline you’re flying with.

Squaremouth functions as an intermediary, and many of the negative reviews of Squaremouth involve this aspect. Squaremouth can’t process your claim or explain your coverage since it’s not your provider. To be fair, some complaints also appear to misunderstand that Squaremouth isn’t the insurance provider. You’ll need to contact your policy provider for policy questions.

Additionally, some reviews complain that Squaremouth’s customer service lacks quality and availability. It has limited online chat hours and requires an email outside those times. Some customers say responses to emails are slow and aren’t helpful. However, reviews of the Squaremouth insurance marketplace don’t necessarily indicate how good or bad the providers and plans it sells are.

When comparing travel insurance providers on Squaremouth, the exact details of a policy aren’t elaborated .

You may see that Company A offers $100,000 of emergency medical benefits while Company B offers $75,000. It sounds like Company A would be better, but that can’t be confirmed without a full analysis of the policy terms. Those elements aren’t made clear when comparing policies on Squaremouth, so you’ll have to use this only as a starting point before making a final selection and paying for a policy.

You should visit the provider’s website after finding a plan that sounds good on Squaremouth’s site and price out your trip. Look for inclusions/exclusions, and ensure this is the right policy for your trip.

Squaremouth has a dedicated page discussing COVID-19-related coverage on the policies available through its marketplace. Most policies cover trip cancellations, costs from quarantines, and other pandemic-related expenses , but how they do that and what expenses (or how much) can be reimbursed will vary by policy.

When reading a policy’s coverage details before buying, you can find detailed explanations. You also can use the Squaremouth page to reference current entry restrictions in various countries you might want to visit.

Some policies have unique inclusions that others don’t — such as money you lose when a destination wedding is canceled (offered by WorldTrips ) — and most policies provide add-on services for extra costs. These will cover things like extreme sports, turning your medical coverage into primary coverage, or “cancel for any reason” (CFAR) coverage . It’s important to know what’s included, what’s not, and how much it will cost to add these extras. You may fare better paying for a more robust policy than buying a bargain policy and adding numerous extras .

“You get what you pay for” tends to be true when comparing insurance plans from the same provider. More expensive plans will include more coverage types and higher maximum payouts in coverage categories. However, that saying isn’t necessarily true when comparing costs between travel insurance providers .

That’s where Squaremouth comes in, allowing you to compare travel insurance across providers , filter for what you want or don’t want, and see how similar policies stack up against each other for coverage and pricing.

To better understand the comparisons Squaremouth provides, it helps to understand the most common travel insurance categories. This way, you’ll know what these insurance benefits are and which ones are important for you.

• Cancel for Any Reason (CFAR) Coverage: Usually an add-on for most travel insurance companies , it covers cancellations outside other coverage types. However, it doesn’t cover everything and every reason you might cancel a trip, so be sure to understand the specifics.
• COVID-19 Coverage: If you or a traveling companion test positive for COVID-19 and need to quarantine, cancel a trip, or miss a flight, your expenses or losses can be covered. Ensure you understand how your policy treats COVID-19 because some require separate coverage while others include it as part of the medical coverage.
• Pre-existing Medical Conditions: Your current medical conditions may be covered if you buy a plan within certain timelines. Otherwise, look-back periods tend to apply.
• Trip Cancellation Insurance: You’ll receive reimbursement for prepaid, non-refundable costs if you cancel a trip for one of the covered reasons in your policy.
• Trip Interruption: Once your trip starts, this coverage goes into effect, and can reimburse non-refundable costs from lost parts of your trip. It also can cover expenses to catch up with your trip, such as a tour that has already departed, if there are delays for covered reasons.
• Trip Delay: You can be reimbursed for transportation, meals, and other expenses you incur due to delays. Timelines for when this coverage begins will vary by plan.
• Baggage Loss or Damage: Your lost, damaged, or stolen baggage — including the items inside, with some exceptions — will be covered. Some policies are primary, while others are secondary.
• Baggage Delay: You can be reimbursed for reasonable costs you incur when your luggage is delayed. The waiting period for when your coverage kicks in will vary by plan.
• Emergency Medical and Dental: Illnesses and injuries are covered during your trip, plus the resulting expenses. It also can cover deductibles or unpaid expenses from your health insurance provider since this coverage is usually secondary.
• Emergency Assistance and Transportation: If adequate healthcare isn’t available nearby, you can be evacuated to an appropriate facility. If you die during your trip, this policy covers bringing your remains to the U.S. or paying for local burial costs.
• Accidental Death and Dismemberment: This coverage provides payments if you lose your life, a limb, or eyesight during a trip. If you die, the benefit payment goes to your designated beneficiary.
• Rental Car Damage: You’ll be covered for collision damage, theft, vandalism, natural disasters, or damages for reasons beyond your control. Some vehicle types, such as luxury cars, are excluded from most policies, but coverage should apply to all drivers listed on your rental agreement. Coverage is up to the cash value of the car or the cost of repairs and related expenses — whichever is less. Certain countries may be excluded from the policy, so check the details.

Sometimes, understanding what’s not included may be more important than a list of benefits or choosing the lowest offer when looking at Squaremouth travel insurance reviews and prices.

Why? Exclusions are built into every insurance benefit , so you should review the details. Insurance terminology isn’t fun, but it’s essential to understand whether your trip — destination, dates, activities, and health conditions — will be covered. The only thing worse than not having travel insurance for your trip is paying for travel insurance that doesn’t cover your trip.

Common exclusions include injuries sustained while intoxicated and medical emergencies related to pregnancy . You also aren’t covered when flying a plane, hang-gliding, bungee jumping, or participating in extreme sports unless you get a particular policy with add-ons for those activities.

Most policies also exclude war zones and areas with ongoing hostilities . This could include places like Ukraine and Sudan and areas with travel safety warnings like Syria or Iran. Ensure you read your policy details to confirm it covers your intended destination.

How Much Does Squaremouth Travel Insurance Cost?

Buying travel insurance from Squaremouth costs the same as buying it directly from the insurance provider. There are no markups or fees for buying on Squaremouth’s website instead of buying directly from an insurance provider, such as Seven Corners or Generali Global Assistance .

You can search for several types of insurance from the Squaremouth home page. You can start in 1 of 2 ways: Click on the different types of policies or enter your trip information . The policy types (as seen above) can be found under the policy search widget on the home page:

You’ll see options for single-trip policies (most common), multi-trip or annual policies, cruise-specific policies, and policies geared toward adventure or extreme sports.

If you fill out the information on the home page, providing dates and destinations , the second page will ask for information about the traveler(s) to be covered:

Page 3 asks about trip costs , when you made your first deposit, and whether you have remaining payments. There’s also a yes/no option for cancellation coverage related to your trip costs:

From here, you’ll see a list of results. My search returned 88 policies, sorted by the providers with the best review scores. You can filter your results in several ways:

• Popular Filters: The most popular filters are listed here for easy access. These include COVID-19 coverage, CFAR, trip interruption, trip delay, medical evacuation, and pre-existing medical conditions.
• Preset Filters: Limit your searches to policies covering cruises, COVID-19, and policies that meet the requirements to apply for a Schengen Visa.
• Reviews: Filter by insurance provider ratings, ranging from 1 star or more to 5 stars .
• Cancellation: Here, you can select trip cancellation reasons that you want to cover with your policy, such as hurricanes, terrorism, financial default of your travel company, losing your job, or other work-related issues.
• Medical: You can filter for policies providing primary medical coverage, coverage for pre-existing conditions, emergency medical benefits, and even the deductible amount you want your policy to include.
• Evacuation: You can filter for policies that include medical and non-medical evacuation.
• Loss or Delay: Find coverage that includes reimbursement for bagage loss, baggage delay, trip delay, quarantine extension, or missed connections during your trip.
• Accidental Death: You can filter by 24-hour policies, flight-only policies, and common carrier policies.
• Sports: You can choose the type of sport you’re doing on a trip and indicate whether it’s part of a competition.
• Other Benefits: Find coverage that includes rental car protections, a money-back guarantee, 24-hour assistance services, identity theft protection, or renewable policies.

After applying any desired filters, you’ll see only the policies that match your settings. In this example, I filtered for CFAR policies with emergency evacuation coverage of $1,000,000.

You will see the insurance provider’s name and the name of the plan at the top, plus key highlights of the policy listed in the middle. The review ratings are visible on the left side, and the right side holds several important elements: the price, an option to view the full policy details, an option to buy the policy, and a Compare checkbox:

You can add as many or as few policies as you want to compare , but only 5 policies can fit on the screen at once:

You can use the Next Policy button at the top if you’ve selected more than 5 policies for comparison. If you set any filters for your search, your filters will be displayed at the top since those are likely your primary concerns. Scrolling down, you can see coverage similarities and differences in other areas, like trip cancellation benefits or lost luggage reimbursement.

Most policies also offer add-ons for an additional cost. You can view these by clicking on +More near the Buy Now button.

Once you find a travel insurance policy you like, you can buy it directly from Squaremouth. There’s no cost savings for going to the provider’s page and buying the policy there. Squaremouth affirms this on its website :

Due to strict regulations in the insurance industry, it is not legal to discount or upcharge a premium. For this reason, the price of an individual travel insurance policy will be the same wherever you purchase it.

Even still, it makes sense to go to the provider’s website to view the full policy details, exclusions, and inclusions. It’s critical that you understand the specific terms of a policy before buying so that you can ensure it’s the right policy for your trip.

There’s no price difference on Squaremouth’s or the provider’s sites, but you should go to the provider’s site anyway. There, you can read the full terms of a policy before buying the wrong one.

If you click on the Buy Now button, you may see a pop-up message about important exclusions before moving forward. For instance, this policy doesn’t cover 1 airline and 4 countries:

While many people think of travel insurance as a broad-based plan covering everything from delays to cancellations and even medical bills, it is possible to buy medical-focused and even medical-only plans . These medical insurance plans won’t necessarily help you with out-of-pocket costs from delayed flights but can help if you get sick or injured.

These policies are mixed in with the other results you see when searching for plans on Squaremouth. You can focus on medical insurance plans using filters in the Medical menu. Options include the coverage amount you want and primary policies.

An annual policy may be cheaper than buying multiple policies throughout the year for each trip.

Along with standard information like the number of travelers and where you live, you’ll also choose a start date, the expected number of trips this year , and an estimate of your longest trip :

For this example, we priced a trip starting July 1, 2023, for 2 travelers (ages 35 and 33), both U.S. citizens living in California. We estimated 5 trips this year, with the longest lasting 20 days.

You’ll notice that you don’t need to enter specifics about any particular trip , such as where you’re going or trip cost. You’ll see the same filters on the results page as you would on the standard travel insurance search results.

Compared to the 88 policies available with single-trip insurance shopping, this search provided just 6 results:

Price ranges are incredible here: more than $1,000 difference from the cheapest to the most expensive policy. Notice that the cheapest plans don’t cover COVID-19, trip cancellation, trip interruption, terrorism, financial default of a travel provider, travel delays, baggage delays, or CFAR . That’s quite a list of exclusions when paying $300+ for an annual travel insurance policy.

Many of us book flights with miles and hotels with points. Can these be insured? Unfortunately, it’s rare. To complicate matters, Squaremouth doesn’t have filters for policies that cover redeposit fees for your points and miles .

Some policies (a minority) may cover the fees for canceling an award redemption and putting the points or miles back in your account. To find these, you’ll need to read the full policy details . You won’t find this information in Squaremouth’s comparison charts.

You can search for policies tailored to cruisers , but it’s also possible to click on Cruise in the filters after conducting a standard search.

You’ll enter your travel dates and main destination from the cruise search page. Interestingly, you can only put 1 location, despite the fact most cruises visit more than 1 country. On the next page, you’ll enter trip costs, deposit date, whether you have remaining payments, and information about the travelers .

For a sample search, we estimated a 1-week cruise to the Bahamas in November 2023. The trip covers 2 passengers (ages 60 and 58) who made a deposit in the past 24 hours but have remaining payments on their $2,000 trip. Policy costs ranged from $111 to $297 :

A comparison of the cheapest and most expensive policies shows many similarities . The differences include maximum payouts for emergency evacuation, trip delay, and accidental death and dismemberment.

While it’s possible to filter for adventure sports in the standard search results, you also can go to the Adventure & Sports Travel Insurance page and begin your search with the types of activities you want to cover:

For example, there are multiple options for scuba diving, including mixed gas and multiple depth points. It’s important to choose exactly the sport you’ll be undertaking and the conditions in which you’ll participate. For example, will you be with a guide or coach? This can change your coverage requirements.

After choosing the sport(s) you want to cover, you’ll provide trip details as usual to see available policies.

If you’re traveling in a group (departing and returning home within 2 days of each other), a group travel insurance policy could help cost-effectively cover everyone. Some important rules must apply for a group policy:

• Organized groups of 8 or more traveling together.
• Travelers must be visiting the same destination.
• All travelers must be U.S. residents.
• Departure dates must be more than 21 days from the policy purchase date.

You can enter trip costs per traveler or overall , plus you’ll enter each traveler’s birth date. You’ll enter the home state of the majority of travelers , the earliest date anyone starts the trip, and the last date anyone will return home .

Unfortunately, filtering for so-called “one-way trip insurance” on Squaremouth is impossible. One-way insurance would cover a traveler who leaves home from Texas, spends a week vacationing in Mexico, and then flies to England for a new job. These are situations where you are not returning to the trip’s starting point.

You can’t filter for these policies on Squaremouth because most policies have a start and end date based on when you return “home.” They’re also based on your state of residence for cost and legalities. Unfortunately, Squaremouth won’t show you these policies.

Companies like Expatriate Group can provide one-way insurance policies that cover you en route to your destination and provide limited coverage once you arrive until you find other coverage. Think of it as coverage just between 1 country and the next.

How Reliable Is Squaremouth Travel Insurance?

Squaremouth says there’s no extra cost when you buy insurance from its website rather than buying directly. However, it’s always good to double-check.

I priced a 1-week policy for myself to visit Italy in November 2023. Squaremouth told me the cheapest policy was the battleface Discovery Plan at $45.86 . However, battleface returned a price of $36.99 . Even more confusing was that the included benefits didn’t match .

On the same itinerary, Squaremouth provided a price of $103 for WorldTrips Atlas Journey Preferred. WorldTrips returned the same price on its own site, and the benefits/maximum payment amounts matched .

Squaremouth isn’t the only site that provides comparisons as a one-stop-shop for travel insurance. InsureMyTrip has some of the same features. How do their prices match up?

We searched for a 1-week trip to Italy for 2 travelers (ages 35 and 33) who made their first trip deposit earlier today. The results across the 2 sites weren’t the same; Squaremouth showed providers unavailable on InsureMyTrip and vice versa . However, the policies available on both sites matched.

Here are Squaremouth’s search results:

And here are InsureMyTrip’s search results:

The $105 policy from John Hancock and $109 policy from WorldTrips matched when appearing on both sites, however.

While it’s nice that Squaremouth provides a simple shopping platform, buying travel insurance isn’t the only way to get coverage on your next trip. Some of the best credit cards for travelers also provide robust coverage. Cards like The Platinum Card ® from American Express , Capital One Venture X Rewards Credit Card , Chase Sapphire Preferred ® Card , and the  Chase Sapphire Reserve ® can protect your next holiday. Consider these benefits to see if they’re sufficient before buying extra travel insurance:

Always compare your travel insurance options, whether shopping from multiple travel insurance companies or using travel insurance provided by a credit card .

Rather than selling insurance, Squaremouth provides a simple-to-use shopping platform for travel insurance of various types. You can filter results in numerous ways to help you find the right policy for your next trip — or even your next year of trips. Some details will be lacking in the comparisons, and you should always consult the full policy from the insurance provider before buying travel insurance. However, seeing numerous plans, comparing them, and understanding their relative costs with just a few clicks is fantastic.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

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

Frequently Asked Questions

How do i contact squaremouth travel insurance.

You can call 800-240-0369 in the U.S. or 727-564-9203 from outside the U.S. Squaremouth also offers chat with the same hours as phone service: 8 a.m. to 10 p.m. ET daily. Outside these hours, email [email protected] .

Who owns Squaremouth?

Specialty Program Group (SPG) LLC bought Squaremouth in early 2023. SPG is a New Jersey-based specialty insurance brokerage firm that also bought Insureon and CM&F in recent years.

Where is Squaremouth's headquarters?

Squaremouth is headquartered in St. Petersburg, Florida, and also has offices in Fort Wayne, Indiana. It was acquired by Specialty Program Group (SPG) LLC in 2023; this company is based in Summit, New Jersey.

Who is the founder of Squaremouth?

Squaremouth was founded by Chris Harvey and Matt Outten and launched in 2003.

Should you buy travel insurance through Squaremouth?

You won’t pay extra to buy a policy from Squaremouth instead of directly from the insurance provider. Due to legal requirements, Squaremouth can’t charge extra for travel insurance policies. The advantage is the ease of use; the disadvantage is that you may not see the full policy details or exclusions on Squaremouth’s website, but you can find these on the provider’s site.

Is it best to buy travel insurance direct or from Squaremouth?

Buying either way has no cost advantage — from Squaremouth or a provider directly. The advantage to buying from Squaremouth is the ease of use for comparing multiple policies. The disadvantage is that you may not see the full policy details or exclusions on Squaremouth’s website, but you can find these on the provider’s site.

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About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and now plans to let his wife choose their destinations. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.

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Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards that offer varying levels of travel insurance coverage for purchases made with the card.

on American Express' website

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.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

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

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

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

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

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

Terms apply.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance?

How much is travel insurance?

Is travel insurance worth it?

What does travel insurance cover?

Does travel insurance cover COVID?

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

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

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

May We Suggest?

Is this it, how about this, search results.

Our reviewers evaluate products and services based on unbiased research. Top Consumer Reviews may earn money when you click on a link. Learn more about our process.

Squaremouth Review

Thursday, May 2nd

2024 Travel Insurance Plan Reviews

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

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

Best selection of insurers and policies here

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

Information at a glance

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

Easy to compare

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

Take advantage of thousands of customer ratings

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

No upselling here

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

Terrific variety of travel insurance types

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

Disappointing drop in the BBB rating

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

Digging deeper

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

Outstanding choice

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

More Travel Insurance Plan Reviews

• Insure My Trip

• Travel Insurance

• Travelex Insurance Services

• Insured Nomads

• Allianz Travel

• Quote Wright

• Travel Guard

• Seven Corners

• World Nomads

• Travel Insurance Center

• Axa Travel Insurance

The 13 Best Travel Insurance Plans

Who offers the best travel insurance.

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

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

Travel Insurance Plan FAQ

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

Continued from above...

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

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

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

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

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

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Faye travel insurance, allianz partners usa.

Squaremouth Inc   Reviews

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Reviews 4.8.

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Great Options for Travel Insurance

Easy to use site, with lot's of information and transparency. A wide variety of insurance options were offered and we found one that meets our needs at a very reasonable cost!

Date of experience : April 30, 2024

Easy to navigate insurance options for…

Easy to navigate insurance options for all my travel needs. I purchased My plan with World Trips and had a claim due to a canceled flight. Once I submitted the necessary paperwork, my claim was paid in full and in a timely manner. Will buy again.

Date of experience : March 23, 2024

Best Way to Find the Right Travel Insurance

Squaremouth makes comparing and buying travel insurance so easy. It takes 2 minutes to enter basic trip information and pages of insurance options are displayed. Prices are listed and you can view the details of each policy. If you want to wait to purchase, the quote will be saved.

Date of experience : April 27, 2024

Great comparison tool and travel insurance evaluation/purchase system

Cindy, the rep who answered my call and processed my purchase of insurance coverage, was unfailingly polite, professional, and courteous. More than that, though, she was enormously helpful.

Date of experience : April 29, 2024

Super easy website navigation

Super easy website navigation. Great comparison feature for checking what you get for the premium. Love the filters for different views of the same information.

Date of experience : May 02, 2024

Squaremouth Review

The Squaremouth site was easy to use to compare travel insurance. I got an incredible price for a Berkshire Hathway plan. I highly recommend them!

Lots of info, Easy Process, Good Customer Service

The information was comprehensive; when I had a question about the basics, an actual human being emailed me very helpful tips and put together a list of quotes from various providers; the purchase process was simple and there's a money-back guarantee. Not sure how it could be better.

Date of experience : April 25, 2024

Using Squaremouth is so easy

Using Squaremouth is so easy. I can choose all the criteria I want my insurance to cover so it narrows down the options for me automatically. That makes my decision much easier.

Date of experience : April 19, 2024

Well organized and concise information

Well organized and concise information. Ability to compare plans was very useful. It was easy to manage the website.

Date of experience : April 26, 2024

Excellent Customer Support

We called the helpline to clarify how to link companion policies. The person we talked to was very well informed, relaxed, and clarified what we needed to do to feel confident that our policies were completed correctly. She was able to add a note into our policies to ensure our connection was immediately established. Finally, she offered tips to make our travel as secure as possible. Fabulous customer support!

Date of experience : April 09, 2024

Great Customer Service

Jasmine the agent was very helpful and took her time to answer my questions and find me a product that fit. I had to call back and spoke with another agent, Justine I think, and she was so pleasant as well. They both seemed like they liked their job and wanted to help people. It was easy and nice.

Date of experience : April 23, 2024

Can buying insurance be an awesome experience? YES!

I don't purchase travel insurance on a regular basis. I am so used to cumbersome, time consuming, wait on hold, labyrinthine types of experiences, but I got the exact opposite with Squaremouth. Squaremouth actually has an easy to find phone number listed! I called it, and someone answered right away!! The person that helped me was so knowledgeable, and getting the right coverages was super easy!

The customer service rep who helped me…

The customer service rep who helped me with my questions over the phone was helpful.

Protection Reflection

I like the fact that travel insurance companies that advertise & sell under your umbrella have to answer to you as well as their customers. I hope that actually means something to them to maintain a certain standard. I also like the way your site is arranged which makes it easy to find what your looking for & to change things if need be.

Date of experience : April 04, 2024

Important for any Trip

The Squaremouth site is easy to use and my go-to for comparing and selecting travel insurance policies. You can also keep travel policies within your account to access easily while on a trip. I recommend this site if you need travel insurance; and who doesn't need that extra these days.

Found the best policy for me

Squaremouth.com was recommended by a friend. It was easy to use and sorting allowed me to compare the providers. Once I selected a provider I was able to then sort again and compare each policy. This allowed me to purchase the best policy for me.

Date of experience : April 14, 2024

Customer representative was very…

Customer representative was very helpful and informative. He gave me more information than I requested in order to make it easier for me to access my policies. Sending a great big thank you’

Peace of Mind and Ease of Use for Travel Abroad

It is easy to compare and contrast insurance policies for international travel. This website allows for great ease of use.

Date of experience : April 20, 2024

Easy to use website

Easy to use website, good comparisons, lots ofmoptions

Completely Untrustworthy

I have just gone onto the Squaremouth Inc website to look for travel insurance to Europe. I read the following on their website : “On Saturday, October 7, 2023, the Hamas militant group attacked Israel with an airstrike, killing hundreds of people and injuring thousands more.“ So after reading that, I realized that this company is most definitely not trustworthy. Hamas did not attack Israel with an air strike on 7 October. They infiltrated Israel and murdered, raped, and tortured 1400 Israeli civilians. So your company most certainly cannot be believed (and you updated the story in December so had plenty of time to ascertain the truth).

Date of experience : January 25, 2024

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To that end, you should know that many advertisers pay us a fee if you purchase products after clicking links or calling phone numbers on our website.

The following companies are our partners in Travel Insurance:  Travel Guard Insurance ,  Allianz Global Assistance ,  Travelex ,  TravelInsurance.com ,  Seven Corners ,  Generali Global Assistance ,  Trawick International ,  Squaremouth ,  John Hancock , and  Faye .

We sometimes offer premium or additional placements on our website and in our marketing materials to our advertising partners. Partners may influence their position on our website, including the order in which they appear on the page.

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Our brand, ConsumersAdvocate.org, stands for accuracy and helpful information. We know we can only be successful if we take your trust in us seriously!

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Squaremouth Travel Insurance Review

The following companies are our partners in Travel Insurance: Travel Guard Insurance , Allianz Global Assistance , Travelex , TravelInsurance.com , Seven Corners , Generali Global Assistance , Trawick International , Squaremouth , John Hancock , and Faye .

We sometimes offer premium or additional placements on our website and in our marketing materials to our advertising partners. Partners may influence their position on our website, including the order in which they appear on a Top 10 list.

The analyses and opinions on our site are our own and our editors and staff writers are instructed to maintain editorial integrity. Our brand, ConsumersAdvocate.org, stands for accuracy and helpful information. We know we can only be successful if we take your trust in us seriously!

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How is Squaremouth rated?

Overall rating: 4.6 / 5 (excellent), squaremouth plans & coverage, coverage - 4.7 / 5, emergency medical coverage details, baggage coverage details, squaremouth financial strength, financial strength - 4.6 / 5, squaremouth price & reputation, price & reputation - 4.6 / 5, squaremouth customer assistance services, extra benefits - 4.5 / 5.

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9 Customer Comments & Reviews

• Largest selection of 100+ policies
• Award-winning customer service with an A+ BBB rating
• Reviewed by 47,691 customers with an average rating of 5 stars
• Coverage for trip cancellation/interruption, travel delay, medical emergency & evacuation and pre-existing conditions

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• Trip Cancellation Insurance – What is Covered?
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SquareMouth Travel Insurance Reviews | SquareMouth.com

• Since 2001, SquareMouth offers instant comparisons of travel insurance plans from all major insurers in the United States, Canada and the U.K.
• Get instant comparative travel insurance quotes of 33 different plans
• Ability to purchase insurance with immediate confirmation of insurance
• Travel insurance coverages include trip cancellation, trip interruption and medical insurance packages
• Detailed single product quotes by email
• Ability to sort quote search results by quality of benefit, provider or price
• Strict “zero complaint” policy – If any SquareMouth.com client has a complaint against a travel insurance provider that cannot be “fairly resolved”, they will remove the carrier from their website and no longer sell its insurance
• SquareMouth offers travel insurance plans from every major company

Our Editor’s Review

SquareMouth does an excellent job of taking the headache out of comparing travel insurance. There is so much more to consider than just price, because the plans vary so widely.  SquareMouth uses little icons on the search result screen, and after you educate yourself as to what each of these stand for, they make comparing plans a snap. For instance, in the blink of an eye, we could see which insurance plans offered extra policy benefits, including one which has the added benefit of giving all children under age 18 (related to the insured) free protection.  Other icons indicated which plans cover pre-existing medical conditions. We recommend you take a few moments and learn what each of these icons stand for by reading the header of the quote search result screen.  We also liked that you can sort the travel insurance quotes based on what primary benefit you are looking for, such as “Trip Cancellation”, “Terrorism”, “International Medical Insurance” or even “Cancel for any reason” plans.

A little known secret is that some travel insurance plans permit you to buy insurance up until your departure date, weeks or months after you’ve booked and paid an online travel agency for your trip.  Notably, some “Cancel for any reason” insurance plans offer up to 90%* cancellation coverage if bought within their time restrictions, such as within 14 days after booking, but more than 2 days prior to departure (however, these time limits vary greatly by insurer and may not be available at all times).  The great part about Square Mouth is that after you plug in your booking deposit date and travel dates, their search engine does this work for you and automatically tells you if cancellation coverage is available.  Simply filter the results by “Cancel for any reason” to see what is available to you.

Squaremouth Fees

To cancel an insurance policy booked on SquareMouth, the fee will vary depending on insurer.  Typically, insurers will offer a “free look” period for about 10 days, in which you would only need to pay about $5 to cancel.  This fee is charged by the insurer.  Read the respective policy in full prior to purchase for full details on their fees.

Get your FREE travel insurance quote here!

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Disclosure of Material Connection: Some of the links in the post above are “affiliate links.” This means if you click on the link and purchase the item, I will receive an affiliate commission. Read our  review disclosure  for more information.

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Is Squaremouth Travel Insurance Legit? A Comprehensive Review

Squaremouth serves as a travel insurance comparison platform, aiding travelers in discovering the optimal insurance coverage for their journeys .

With a track record of assisting more than 3.2 million travelers in economizing both time and money on their travel insurance, Squaremouth boasts the most user-friendly quoting and comparison engine in the current market.

This platform enables travelers to swiftly acquire a travel insurance policy from all major providers in the United States .

In this piece, we will closely examine Squaremouth, a prominent travel insurance comparison platform, and address the query: Is Squaremouth travel insurance legit? .

Squaremouth Travel Insurance Contact Information

If you need to get in touch with Squaremouth Travel Insurance for any purpose , you have the following contact options available:

Squaremouth Travel Insurance Pros and Cons

Wondering if you need travel insurance before booking your trip?

While not mandatory for every destination, some countries insist on it for visitors.

Travel insurance is highly recommended for international travel, providing crucial emergency medical expense coverage since US health insurance doesn’t apply abroad.

It’s especially useful when you’ve incurred non-refundable expenses.

Despite its cost being a fraction of your trip, the peace of mind it offers is valuable.

Although SquareMouth has benefits, it may not be the ideal choice for everyone when shopping for trip insurance.

• Zero-complaint guarantee for extra support
• Compare dozens of insurance policies
• Quickly review multiple quotes
• Limited customer reviews on the BBB and Trustpilot.com
• Doesn’t offer its own insurance policies

Travel Insurance Benefits and Coverages

Travel insurance plans are crafted to provide a bundled set of advantages safeguarding both travelers and their financial commitment in case unforeseen events affect their journey.

This encompasses coverage for situations leading to trip cancellations or interruptions, as well as financial losses incurred due to issues encountered during the travel.

Typically, travel insurance policies are extensive, encompassing various protections such as reimbursement for cancellations, assistance with medical emergencies, compensation for travel delays, and coverage for lost luggage.

Squaremouth outlines the prevalent types of travel insurance benefits usually incorporated into a policy .

Travel Insurance Benefit Types

Cancellation: Travel insurance cancellation benefits provide reimbursement for unused trip expenses in the event that travelers need to cancel their trip entirely or cut their journey short due to a covered reason.

Medical & Evacuation: Travel medical insurance provides coverage for the expenses associated with treating an illness or injury that occurs while traveling.

Delay: Travel delay benefits aim to safeguard travelers against financial losses arising from trip delays or missed connections.

Luggage: Travel insurance offers advantages for travelers to acquire necessary items in the event of delayed luggage, and it can also reimburse the expenses incurred due to lost or damaged belongings.

Accidental Death: Travel insurance plans may offer a one-time lump sum payout in the unfortunate event of a traveler’s death or the loss of a limb while on their journey.

Sports: Certain travel insurance plans may encompass benefits that apply to adventurous travelers engaging in activities that would typically be excluded from coverage.

Additional Benefits: Many policies are extensive, providing a range of supplementary advantages.

Though numerous policies offer similar benefits, there can be significant variations in coverage amounts and prices.

It is crucial for travelers to identify the benefits that matter most to them, especially if they are visiting countries that mandate travel insurance .

Squaremouth consistently advises travelers to purchase the most affordable policy that aligns with their required benefits and coverage amounts based on their trip details.

What Are The Key Travel Insurance Benefits?

Many travel insurance plans are designed to address the typical worries of travelers.

In the constantly evolving realm of travel, it’s essential for travelers to identify crucial benefits in a policy.

Trip Cancellation

Trip Cancellation coverage offers reimbursement for a traveler’s pre-paid and non-refundable trip expenses in the event of trip cancellation due to unexpected circumstances.

While commonly associated with illness, injury, or death, each policy outlines a specific set of additional covered reasons.

Cancel For Covid-19 Sickness

Cancellation coverage due to Covid-19 illness can provide reimbursement for travelers who need to cancel or cut short their journey due to contracting the virus.

Cancel For Any Reason

The Cancel For Any Reason (CFAR) option is an elective enhancement that offers travelers maximum flexibility.

This feature allows partial reimbursement of prepaid and non-refundable trip expenses in the event of cancellation for reasons not covered by the standard policy.

Emergency Medical

Emergency Medical is able to cover the expenses accrued by a traveler in the case of a medical emergency while on their journey.

This coverage includes ambulance services, hospital fees, physician services, and various other medical expenses.

Medical Evacuation

In the case of a medical emergency during a journey, Medical Evacuation services can swiftly transport a traveler to the closest suitable medical facility.

Medical Coverage For Covid-19

Coverage for Covid-19 medical expenses can provide reimbursement for the healthcare expenses incurred by a traveler if they happen to contract Covid-19 unexpectedly while on their journey and need medical treatment.

Travel Delay

Travel Delay coverage provides compensation for expenses related to meals and lodging in the event of an unforeseen delay during a journey.

Extension Of Coverage

Coverage Extension refers to the duration during which a traveler’s insurance policy can offer benefits beyond their originally planned return date, in the event that they are unable to return home due to circumstances beyond their control.

SquareMouth Travel Insurance Pricing

SquareMouth collaborates with different insurance providers , resulting in variable pricing based on the chosen plan.

It’s important to note that the travel insurance quote from SquareMouth may not be precise, as the insurance provider could impose additional fees.

Prior to purchasing your plan, the provider will furnish you with a more comprehensive estimate.

Notably, SquareMouth does not levy additional charges for its services.

The amount you pay for a plan through the platform remains consistent with what you would pay when purchasing directly from the insurance provider.

SquareMouth Travel Insurance Financial Stability

While exploring options on SquareMouth for insurance plans, you have the ability to review the AM Best scores of each insurance provider.

AM Best, an impartial platform, assesses companies based on their financial strength.

A higher financial strength rating indicates a more stable insurance provider, alleviating concerns about potential issues such as the inability to fulfill claims or loss of coverage due to a sudden business shutdown.

It’s important to note that SquareMouth, being a relatively new company, lacks a financial strength rating.

However, since SquareMouth doesn’t directly sell its own insurance plans, the security of your insurance coverage is not compromised in the event of SquareMouth facing financial challenges.

Customer Reviews About Squaremouth

As of December 2023, Squaremouth has garnered feedback from 49,040 customers on ResellerRatings.com, achieving an impressive average rating of 5 stars .

SquareMouth Travel Insurance Claims

Travel insurance claims center.

Travel insurance serves as a safeguard against unforeseen circumstances, shielding travelers from financial setbacks caused by flight cancellations, delays, misplaced luggage, injuries incurred abroad, and various other disruptive events during their journeys.

If your trip didn’t go as planned and you need to file a travel insurance claim, continue reading for resources and provider contact information .

What Can You Claim?

Travel insurance offers financial safeguards in case unexpected events interfere with or affect your travel arrangements.

Below are the prevalent complications that travel insurance might address:

Today, travelers often worry about travel disruptions and delays, which are prevalent issues.

In the event that your journey is postponed or you fail to catch a connecting flight due to circumstances beyond your control, travel insurance can potentially cover additional expenses like lodging and meals.

Cancellations

This insurance usually provides reimbursement for non-refundable costs in case you have to cancel or curtail your journey for covered reasons, such as illness, injury, or unexpected events.

Medical Emergencies

Travel insurance might provide financial protection for medical costs resulting from sickness or injury during your travels.

This coverage can include expenses such as hospital stays, visits to doctors, and emergency evacuations.

It’s important to note that there could be coverage limits and specific exclusions that apply.

Travel insurance can provide protection in case of lost, stolen, or delayed baggage, offering reimbursement for necessary items and replacement expenses.

Additionally, certain policies may extend coverage to include damage to baggage.

How To Claim Travel Insurance

Every travel insurance claim is distinct and will be addressed accordingly by your travel insurance providers.

To achieve the optimal result, it is crucial to be well-prepared and proactive.

Begin by considering the following suggestions:

Contact Your Provider

Contact your insurance provider’s claims team using the information provided in your policy.

They will help you navigate the process, address your questions, aid in preparing your claim, and inform you of the required documentation.

Gather Required Documentation

Prior to starting your claim process, ensure that you collect all essential documentation pertaining to your incident.

This might involve original receipts, medical reports, police reports, travel itineraries, and any other pertinent evidence to substantiate your claim.

Complete Claim Form and Interview

You may be required to fill out a claim form with your provider.

Accuracy is crucial, so make sure to provide all the necessary details.

Attach supporting documentation to facilitate a prompt assessment of your claim.

Expect a member of your provider’s claims team to reach out to you for further discussion.

Submit The Claim

After filling out the claim form and assembling the necessary documents, you are ready to submit your claim.

Providers generally receive claims through email, regular mail, or a secure online portal.

Remember to keep copies of all documents for your personal records.

Frequently Asked Questions (FAQs)

For further information about Squaremouth Travel Insurance , please refer to the dedicated Frequently Asked Questions (FAQ) section.

What is Squaremouth com?

Squaremouth operates as an internet-based platform that assesses travel insurance plans offered by all significant providers within the United States.

Will travel insurance cover flight cancellation?

A thorough travel insurance plan should provide coverage for your flight in case you have to cancel or modify your plans due to unforeseen circumstances.

A valid travel insurance policy can safeguard you in case any unexpected issues arise during your vacation.

How does SquareMouth work?

SquareMouth serves as a streamlined hub for purchasing travel insurance plans, offering a simplified process.

On the platform, you can easily compare various plans, make payments, and secure coverage from a partnering insurance company .

Notably, SquareMouth does not impose any extra fees for its services.

Does SquareMouth handle travel insurance claims?

No. You need to submit a claim directly to your insurance provider.

However, SquareMouth’s zero-complaint guarantee provides support in case you are dissatisfied with your insurance company’s handling of a claim and require additional assistance.

Is SquareMouth safe to use?

Yes, SquareMouth is safe to use. This travel insurance marketplace is authentic and collaborates directly with prominent providers.

SquareMouth ensures transparency by eliminating hidden fees or additional charges when purchasing an insurance plan.

Squaremouth travel insurance provides a dependable and user-friendly solution for securing travel insurance for your journey.

With a diverse selection of policies from leading providers, an intuitive website, and a committed customer service team, Squaremouth ensures a seamless experience.

Backed by its Zero Complaint Guarantee and price guarantee, Squaremouth demonstrates confidence in its products and providers.

I believe this article offered a mix of pleasure and valuable insights as you explored the intricacies of Squaremouth Travel Insurance.

Discover more articles on our blog that explore a range of insurance-related topics similar to this one.

Insurance Strategy Specialist

Howdy Robert is a seasoned Insurance Strategy Specialist known for his strategic acumen in devising tailored insurance solutions. With a focus on strategic planning, Howdy collaborates with individuals and businesses to develop customized insurance strategies that align seamlessly with their unique risk profiles and financial aspirations.

Howdy earned his degree in Strategic Insurance Planning from Horizon University , providing him with a robust academic foundation in insurance principles, strategic management, and risk analysis. This educational background serves as the bedrock for Howdy’s ability to create dynamic and forward-thinking insurance strategies.

In his role as an Insurance Strategy Specialist, Howdy excels in various insurance sectors, including:

• Property and Casualty Insurance
• Life and Annuities
• Commercial Liability Insurance
• Specialty Lines (e.g., Cyber Insurance)
• Employee Benefits and Group Coverage

Howdy’s expertise spans these diverse sectors, allowing him to design comprehensive insurance strategies that cater to the nuanced needs of each client.

With over a decade of practical experience, Howdy Robert has honed his skills as a trusted advisor in the insurance industry. His professional journey includes collaborating with a wide array of clients, from individuals seeking personal coverage to businesses navigating complex risk landscapes. Howdy’s experience extends beyond traditional coverage, incorporating strategic planning to ensure that clients not only have protection but also a roadmap for achieving their broader financial goals.

As an Insurance Strategy Specialist, Howdy Robert is dedicated to providing clients with strategic insights and customized solutions. His ability to navigate multiple insurance sectors and design tailored strategies sets him apart, offering clients a holistic approach to risk management and financial planning.

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Squaremouth Travel Insurance: A Complete Review

• By Chris Tate
• November 9, 2023

Imagine this: you’ve meticulously planned a road trip across the United States, excited to explore stunning landscapes and vibrant cities. But as you set out, you encounter unexpected inclement weather, throwing a wrench in your travel plans.

This is where travel insurance, like Squaremouth, can be a lifesaver. In this article, we’ll delve into why travel insurance is a must, especially in the face of unpredictable weather, and explore the features that make Squaremouth the go-to choice for travel enthusiasts.

Without further ado, let’s jump into the article.

For more information on squaremouth, you can find them  here.

Why Choose Squaremouth? Well we have  Unpredictable Weather.

Traveling across the United States is a dream come true for many, but the country’s diverse climate can throw unexpected challenges your way. From torrential rains in the Pacific Northwest to snowstorms in the Northeast, weather can be a formidable adversary. Travel insurance steps in as your safety net when your adventures are at the mercy of Mother Nature.

Whether you’re hitting the slopes in Colorado or sunbathing in Florida, Squaremouth Travel Insurance ensures you’re prepared for the unexpected. Here’s a detailed breakdown of what Squaremouth is known for:

The Features of Squaremouth Travel Insurance

• Trip Cancellation: Life can be unpredictable, and you might need to cancel your trip due to unforeseen circumstances. Squaremouth covers you for trip cancellations, allowing you to recoup your non-refundable expenses.
• Weather-Related Delays: When flights get delayed or canceled due to weather conditions, it can throw your travel plans into disarray. Squaremouth provides coverage for such inconveniences, ensuring you stay on track.
• Emergency Medical Coverage: Falling ill during your travels is a situation no one wishes for, but Squaremouth has you covered. They offer comprehensive emergency medical coverage, so you can get the care you need without worrying about the bills.
• Lost or Delayed Baggage: If you’ve ever experienced the frustration of lost or delayed baggage, you’ll appreciate Squaremouth’s coverage. They reimburse you for the essentials you need while your belongings catch up with you.
• 24/7 Assistance: Squaremouth’s round-the-clock support ensures you have someone to turn to, no matter where you are. Whether you need help finding a local doctor or arranging transportation, they’ve got you covered.

Why Choose Squaremouth?

Travel enthusiasts love Squaremouth for several reasons, and it’s not just about the coverage. Here’s why they stand out:

• Transparency: Squaremouth is known for its clear and straightforward policies. They provide you with all the necessary information, so you know exactly what you’re getting.
• Customization: Your travel needs are unique, and Squaremouth understands that. They offer a range of policies that can be customized to suit your specific requirements.
• Extensive Network: With Squaremouth, you’re not just buying insurance; you’re gaining access to a vast network of trusted providers and partners. This means you’ll always have support wherever your travels take you.
• Easy Claims Process: In the unfortunate event that you need to make a claim, Squaremouth ensures the process is as hassle-free as possible, allowing you to get back to your adventures quickly.

Thoughts & Takeaways

As you plan your next adventure across the United States or any other part of the world, remember that travel insurance is your safety net. The unpredictability of weather is just one of many reasons why it’s a must-have for any traveler. Squaremouth Travel Insurance, with its comprehensive coverage, transparency, and exceptional support, is the ideal choice for travel enthusiasts.

So, before you embark on your next journey, take the time to explore the options that Squaremouth offers. From trip cancellations to medical emergencies, they’ve got your back, so you can focus on what you love – exploring new places, experiencing different cultures, and creating unforgettable memories. Don’t let unexpected weather or other travel hiccups dampen your spirits. With Squaremouth, you can travel with confidence, knowing you’re protected every step of the way. Your adventures await; let Squaremouth be your trusted companion.

• Travel Blog

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

9 Best Travel Insurance Companies of 2024

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

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

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

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

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

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

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

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

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

SEE FULL REVIEW »

Annual and multitrip policies are available

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

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

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

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

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

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

More limited coverage for baggage issues than other companies

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

Travel insurance policy coverage is tailored to your specific trip

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

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

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

Limited trip cancellation coverage even at the highest tier

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

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

Cancel for any reason coverage costs extra

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

Generous emergency medical and emergency evacuation coverage

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

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

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

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

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

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

Travel Insurance Types: Which One Is Right for You?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Why Trust U.S. News Travel

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

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