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June 1, 2020

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

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

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• Help and Support
• Travel Insurance
• Gadget Insurance

Gadget cover

Cover for all the tech you couldn’t live without, up to £1.5k cover.

For gadgets that are lost, stolen or damaged in a trip

5 Star rated cover

Our Platinum Travel Insurance has Defaqto's highest rating

Unlimited gadgets

From your camera to your smart watch and more

What’s gadget insurance?

Gadget insurance, also known as gadget cover, is a travel insurance add-on which covers tech items like cameras or mobile phones. It pays for either repairing or replacing lost, stolen or damaged gadgets while you’re travelling. If you choose to add gadget insurance to your travel insurance, we’ll pay up to £1,500 for the gadgets that you need to claim on in a single trip.

Do I need gadget insurance?

Gadget insurance is useful for anyone travelling away with high-value gadgets like cameras, laptops or phones.

You should check whether you're already covered elsewhere:

• On your home or contents insurance - home insurance policies often cover gadgets away from home
• With your phone provider - your phone might still be under warranty, although this usually only applies to mechanical faults

What gadgets we cover

Digital cameras, smart phones, we also cover:.

• Audiovisual and television equipment
• Electronic book readers (Kindles)
• Telescopes and accessories

Check your policy book for the full list.

We'll cover these gadgets up to £1,500 if you bought them new; we can only cover refurbished gadgets from the manufacturer or a reputable retailer.

Guide to your Travel Insurance cover

What isn't covered, gadgets left in public places.

Including tents, cars, hotel storage rooms, or as checked-in baggage.

Wear and tear

We don't cover general wear and tear or gradual deterioration of performance. As the value of gadgets declines over time, we also don't pay out the full cost if the gadget is more than a year old.

Unattended gadgets

We don't cover gadgets you leave unattended unless locked in a safety deposit box where available, or stored safely and hidden from plain view in your locked accommodation.

Mechanical faults

This includes damage caused by the failure of electrical equipment, software, or any associated equipment.

Check your policy book for the list of exclusions.

How to add gadget cover to your policy

For new customers, you can add gadget cover as a policy upgrade when buying your travel insurance . If you’re an existing customer, you can add it to your policy through your travel portal .

How to claim on your gadget insurance

Below are the most common claims, but get in touch with us if you're unsure.

My phone's been stolen

If your phone has been stolen, you need to:

• report any theft to the police or your transport operator within 24 hours
• get a police or property irregularity report for the items stolen
• contact your network provider within 24 hours
• have receipts and any other supporting documents ready
• visit our make a claim page to register your claim with us

Remember to check your excess limits.

I've lost my gadget

Contact your accommodation or transport provider to report your gadget lost in case they locate it. When you're sure it's lost, you need to:

• have receipts, evidence of loss or any other supporting documents ready

My gadget's been damaged

If your gadget's been damaged, you need to:

• take pictures of the damage to your gadget with another device
• have receipts, proof of ownership or any other supporting documents ready

Your excess limits

Excess is the amount of money you pay to your insurance provider if you need to claim. This applies to each insured person for each type of claim you make. For gadget insurance, your excess limits are:


• £50 for Admiral policies

• £50 for Admiral Gold policies

• £50 for Admiral Platinum policies

Always check your policy schedule, as your excess limits might differ if you don't buy directly through us.

Still have questions?

We've answered a bunch of your frequently asked questions.

Useful travel guides

Are your personal possessions insured for travel?

Ultimate guide to hand luggage restrictions

Travel insurance jargon buster

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11 Best Travel Insurance Companies in April 2024

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

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

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

How we found the best travel insurance

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

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

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

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

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

Best insurance companies

Types of travel insurance

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

Berkshire Hathaway Travel Protection

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

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

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

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

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

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

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

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

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

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

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

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

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

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

Read our full review of Allianz Global Assistance .

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

Travel Guard by AIG

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

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

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

What else makes Travel Guard by AIG great:

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

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

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

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

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

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

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

What else makes Travel Insured International great:

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

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

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

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

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

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

What else makes World Nomads great:

Comprehensive international travel insurance plans.

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

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

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

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

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

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

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

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

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

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

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

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

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

What else makes Seven Corners great:

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

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

Read our full review of Seven Corners .

Best for long-term travelers: IMG

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

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

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

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

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

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

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

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

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

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

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

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

What else makes TravelSafe great:

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

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

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

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

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

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

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

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

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

Trip cancellation

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

Trip interruption

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

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

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

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

Cancel For Any Reason

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

Typically, adding this protection to your plan costs extra.

Baggage delay

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

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

Lost baggage

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

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

Travel medical insurance

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The Bahamas.

Costa Rica.

Antarctica.

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

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

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

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

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

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

on Chase's website

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Consider a few key questions:

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

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

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

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

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

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

In general, buying travel insurance

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

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

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

Travel Advice: Important information about cover for Coronavirus. Read more . View the latest travel warnings here .

Stolen Mobile Phone – Am I Covered by my Travel Insurance?

Imagine jetting off overseas without your dearest friend, your mobile phone? Inconceivable!

But what happens when a phone as loveable as yours catches the attention of a pickpocket or career crim? Can you count on your travel insurance to bail you out?

Fact: mobile phones – especially those with selfie cameras –  make travelling more fun. They’re also damn handy and a vital travel safety tool, in our books. Little wonder most Australian travellers won’t take off without theirs.

The downside to bringing you phone on holiday is that it’s a juicy target for thieves working the tourist traps and beyond. Phones are small, well some are, and thus easy to nick. We’re also in the habit of having them in our hands a lot, so the risk of having a flashy mobile phone spotted is pretty high, as is the dastardly possibility of resting your precious phone on a table top or taxi seat, only to leave your little mate behind. Tragic!

Unfortunately, it’s all too easy to fall victim to phone theft whilst overseas. So vigilance is obviously key. So to is having a backup, like having important documents printed and stashed away for in case your phone develops legs.

How will your travel insurance cover a stolen phone?

Equally important is knowing whether the travel insurance policy can cover the costs of replacing your device. The good news is, proper travel insurance policies typically cover lost or stolen ‘personal items’ up to a certain value – and mobile phones, along with tablets, laptops and cameras, fall into this box.

There are conditions of course, we’ll get to that in a minute, but first, here’s what your insurer should be able to do for you.

WHAT’S COVERED?

Whether you’ve lost your phone, bags and gear, had them stolen or accidentally damaged, both Travel with Jane’s basic and comprehensive  travel insurance cover pays up to $5,000 to either replace, repair or pay you the cash value of the items lost, in total. Out of that total, all mobile phone devices, including Android phones, iPhones and Windows phones are covered up to $1000 each. Cameras, laptops and tablets are covered up to $3,000 each, while personal items like clothes, shoes, cosmetics, books and so on are covered up to $750 per item lost.

If your phone or device is stolen or damaged on your trip Travel with Jane will pay to repair or replace up to a total of $2,000 on Basic  cover, $10,000 on  Comprehensive  and  Domestic  cover levels. This benefit is not available on  Saver  cover.

The maximum amount Travel with Jane will pay for any item (single item limit) is:

• $3,000 for personal computers, video recorders or cameras;
• $1,000 for mobile phones (including PDA’s and any items with phone capabilities)
• $750 for all other Luggage and Personal Effects.

WHAT’S THE CATCH?

No catch, but there are conditions. Also, please remember the little issue of excess. We’ll get to that next, but first, here’s when you can, and can’t claim on travel insurance for a lost or stolen phone.

Mobile phone CLAIM tips

Phone stolen? To claim, you need to have reported the theft or permanent misplacement to police, a transport carrier or travel operator, within 24 hours. Keep a copy of the police report !

You’ll need to provide your lost or stolen phone’s IMEI code (International Mobile Equipment Identity) with your claim. We’ll also need you to have blocked the IMEI with your Aussie mobile network. Without an IMEI code we can’t process your claim. Note, blocking your IMEI is different to blocking your SIM.

As with all insurance claims on stuff, you need to be able to prove that you owned the mobile phone in the first place. Receipts and phone contracts will do the job.

want more cover?

Phones equal life, right? Take out a little extra insurance to cover your digital BFFs against damage and theft. The device add-on is good for up to 5 devices including mobiles, laptops, GPS, cameras & other devices.

If you select the Travel with Jane Device add-on at the time of buying your policy, and you have paid the required additional premium, you will have cover for up to five devices. That’s up to $5,000 for one device, up to a total of $10,000 for up to five devices.

If while you are on your trip during the period of insurance, your device is lost, stolen or damaged, we will at our discretion either:

• pay you the value of the device after allowing for depreciation
• or, arrange and pay for repairing or replacing the device with an item in the same condition.

YOU’RE NOT COVERED WHEN

We can’t cover you if your phone was stolen from an airplane cargo hold. Ditto if the loss, theft or damage occurs in the cargo hold of your train, bus – you name it – we can’t process your claim. This includes jewellery, and laptops, cameras, computers, phones and their accessories. Basically, we need you to be sensible about where you put your precious stuff, and the cargo hold ain’t as safe as keeping valuables on your person.

Same with accidently leaving your phone or luggage behind at a hotel after check out, or on a plane, rental car or other mode of transport. As well as bags left in the car during daylight, unless in the boot, or left in the car overnight, even if left in the boot.

Insurance won’t cover damage due to ordinary wear and tear, weather conditions, insects, rodents or vermin.

HOW THE CLAIM WORKS IN REAL LIFE

The claims process differs from one insurer to another. We’ve tried to make ours as simple as possible with an online claim form that lets you send extra info like police reports and receipts, without having to lift the phone or lick a postage stamp.

Once your claim has been approved, we work out how much to pay you based on:

• Depreciation To work out how much to pay you for lost, stolen or damaged devices, we need to determine and apply depreciation due to age, wear and tear for each item. Depreciation applies unless we’re talking about stuff bought duty free, or on your trip.
• Repair or Replace When it comes to replacing or repairing your luggage or personal items, we reserve the right to choose which course of action to take.

WHAT WAS THAT ABOUT EXCESS AGAIN?

Just like car insurance claims, travel insurance claims also charge excess, and the amount can vary from company to company.

If you ever need to make a claim on an item with excess, you’ll need to pay $100 per person towards each claim. That’s $100 per person per claim. By ‘each claim’ we mean each section of cover. As an example, if you need to make a claim on stolen luggage and emergency hospitalisation, you’ll be charged the excess on both claims. That’s $100 excess on your luggage claim, and $100 on your hospital claim. By ‘charged’ we mean we’ll pay $100 less on each claim, so if your lost luggage claim came to $800, we’ll pay you $800 less the $100 excess.

The devil is in the detail, so if you’re still not sure about how travel insurance takes care of stolen mobile phones take note of some important rules and exceptions by having a read of your policy PDS . You’re also more than welcome to give us a call or email [email protected] . We’ll sort you out!

Bring Travel with Jane travel insurance along for the ride and be covered when you need it most. Get a personalised quote to see how much you could save on cover and extras.

Understand your cover

Conditions and exclusions apply to every cover level and optional pack. View our Combined Product Disclosure Statement and Financial Services Guide for full details. Sub-limits apply. Not sure? Our friendly team are here to help. Get in touch

We support women who challenge the gender pay gap

Since Day 1 Travel with Jane has been about levelling the playing field for women in Australia. In 2020, we’re taking the fight global. Stay tuned to learn how you can support the women who tackle the gender divide here and abroad.

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Using Travel Insurance to Protect Your Mobile Phone Abroad

Your mobile phone may be the most valuable item you take on your travels. How do you protect it against theft, loss or damage when abroad? We’ll explain what to look for in a plan and how to determine which holiday cover policies cover mobile phones.

Finding Out if a Travel Insurance Plan Covers Mobile Phones

Travel Cover varies widely in the treatment of mobile phones. Some plans specifically exclude mobile phones from cover, leaving you out of pocket should something happen to your phone while you’re abroad.

If mobile phones are covered by your travel insurance then the protection is either via the “Valuables” section of Personal Belongings/Baggage or specific “Gadget” cover (which should include mobile phones). “Gadget” cover may be included as standard or it may be an optional add-on—or a low level of cover may be included as standard (e.g., £200) with an option to increase the cover to a higher amount (e.g., £1,000).

Valuables Cover It’s possible you have cover for your mobile through Valuables cover, but it depends on the specific plan—in our observations, mobile phones are commonly excluded on travel insurance under the Valuables section of most Personal Belongings/Baggage cover. Regardless, the amount of Valuables cover is subject to a limit, and consumes part of your overall Personal Belongings/Baggage cover should you need to claim.

Standard Gadget Cover Some travel insurance plans offer protection for a mobile phone through standard Gadget cover. Oftentimes, however, the amount of cover offered as standard will be quite low—too low, in fact, to replace a recent-model iPhone.

Optional Gadget Cover More and more, travel insurance plans offer additional Gadget cover for an extra charge. Typically, you should expect to pay around £25 to add Gadget cover to the average cost of travel insurance for an Annual, Multi-trip policy, though the price varies widely. When buying travel insurance through travel insurance comparison , you’re able to purchase the optional Gadget cover (should it be available for a particular plan) as part of the buying process.

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Before You Buy

We think it’s useful to check the Policy Wording of a travel insurance plan before you buy to look for any relevant wording—wording that could related to what is covered, what is not covered and what is specifically excluded. All holiday cover websites should provide a link to the Policy Wording somewhere in the quote process. Once you have to document open, search for terms like “mobile”, “gadget”, “valuables” and any others about which you might like more information.

Separately, you may already have cover through your home contents insurance, although some people don’t like to rely on this because a claim on your home contents cover could adversely affect the no claims discount on your home contents policy, causing your home contents cover premium to increase when you renew or look for a new policy.

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

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*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

Mobile Phone Travel Insurance

Own an iPhone, smartphone, or other mobile phone? These days, mobile phones aren't optional travel accessories - they're essential tools for getting around, discovering new attractions, and contacting family back home. Not sure about the mobile phone coverage with your travel insurance? We're here to help. 

Does travel insurance  cover mobile phones?

Most comprehensive travel insurance policies include coverage for luggage and personal effects , including mobile phones, and the coverage tends to be capped to around $750-$1500 per item whether you have the latest iPhone, a trusty Android smartphone, or are still using your flip phone from 2006. These benefits cover theft, damage, and loss of mobile phones in a range of circumstances. Given that they are both fragile and expensive gadgets, many insurers have exclusions for when they will cover mobile phones. Many don't cover for electronics failures (consider requesting a non-faulty replacement from your manufacturer), while others exclude cover for cracked screens or water damage. Generally speaking, there are no insurers who cover mobile phones if you check them into your luggage on an airline - so keeping it with on the plane can be a good idea.

Which travel insurers  cover Mobile Phones? 

high-value  mobile phones

Spent some significant money on your iPhone or other smartphone? It's important to be aware of how depreciation affects your claim. Unless your travel insurance policy says that it is an old-for-new or replacement value policy (these are very rare), your insurer will apply depreciation. This is a reduction in the value of the item of 2% or so per month you've owned the item. So if you're claiming for a two-year-old phone, you might only get back half what you paid for it, less any excess. If you want to avoid depreciation, you may wish to consider looking for an insurer who offers high-value item coverage . For a small additional premium, you can list items on your certificate of insurance which insures them up to their value and means depreciation does not apply. The total value of listed items is capped per the policy terms.

When are you  not covered?

No imei number.

Some insurance companies will not cover a mobile phone, or device with phone capabilities like a tablet, if you are unable to supply the IMEI (International Mobile Equipment Identity). You can typically find this on your original box, or on your original receipt when you purchased your phone or put it on contract. Contact your telecom provider for assistance.

Cracked screens

It’s happened to all of us - an ill-fated fall has cracked our phone screen, or it’s been waterlogged in a bathtub or toilet. While the iPhone XS promises to be indestructible, very few phones can withstand a hard knock or splash. Many insurers restrict cover for phone screen cracks and damages - so make sure you do your research when shopping for insurance. 

Leaving phones behind

Failing to keep a close watch on your mobile phone may also invalidate your cover. Leaving your mobile behind in a taxi, hotel room, aeroplane or in an unlocked car, for instance, wouldn’t be covered by most insurance policies given the phone was left unattended in a public place .

Checked in items

Most insurers do not cover for damages or loss for items that were checked into the cargo hold of any transport carrier. So make sure you have your phone in your hand luggage.

Unreported items

Most policies will maintain that it is your responsibility to report theft or loss to the relevant authority (and your travel insurance provider) within 24 hours.

Items with no proof of purchase

Without a receipt to prove that you own your mobile phone and when you purchased it or signed it up to a handset contract, you're unlikely to have a successful claim.

When alcohol or drugs are a contributing factor

If you were under the influence of drugs or alcohol when your smartphone went missing, your claim may not be paid out.

Claiming for  mobile phones

Claiming on your travel insurance for a stolen, lost or damaged mobile phone doesn't have to be difficult. Check your insurer's general exclusions and luggage and personal effects benefit sections, and then get your documentation together. You'll generally need:

• a police report if your phone was stolen (most insurers require you to get one within 24 hours of the theft)
• a report of proof of loss from your airline, hotel, tour company, etc, if your phone was lost or stolen on their premises 
• receipts/proof of purchase for each item you're claiming for
• a repair quote from a reputable provider if an item is damaged
• the IMEI (International Mobile Equipment Identity Number) of a lost or stolen phone, and evidence from your provider that the IMEI has been blocked  
• a phone record statement

Other ways to  insur   e your mobile phone

Home and contents insurance, phone plan insurance, credit card purchase protection.

Mobile Phone Travel Insurance FAQs

Are mobile phones covered by travel insurance.

Yes, many travel insurance policies cover for stolen, lost, or damaged mobile phones. However, many exclude electronics failure, water damage, or cracked screens, while some policies don't cover them at all. See our mobile coverage table for more information, and your insurer's policy documents.

Can you claim a lost phone on travel insurance?

You may be able to claim a lost phone on travel insurance, depending on your policy and the circumstances through which it was lost. Check out our luggage and personal effects benefits page to understand some of the different situations it would and wouldn't be covered, or click to learn more about claiming on your travel insurance .

Does travel insurance cover if your phone gets wet?

Some policies do cover water damage to your phone, provided that you weren't being reckless with it, while other brands will specifically exclude any claims related to water damage of phones. Compare the prices of different travel insurance policies , and check the PDS before you buy if that's what you're looking for coverage for.

Does travel insurance cover cracked phone screens?

Yes, some brands cover cracked screens , while other travel cover brands specifically exclude it from their coverage. Check the policy exclusions on your insurance provider to be sure whether you can claim.

Does travel insurance cover stolen mobile phones?

Yes, travel insurance generally covers for stolen mobile phones. You will generally have to have a police report filed within 24 hours of the theft, and you can't have left it behind or unattended in a public place. Learn more about coverage for stolen luggage and personal effects .

Crystal Moran

With a research and journalism background, and certified in Tier 2 General Insurance General Advice, Crystal is passionate about investigating customers’ tricky travel questions and helping them find the answers they’re looking for. A writer and filmmaker whose favourite trips have been to film festivals in Cuba and South Korea, and campervanning around the USA, she loves getting to know new people and seeing a glimpse of the world through their eyes.

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Need some help? Use the search box below to find answers to all those tricky questions. We’ve got heaps of travel insurance tips to help you get the best policy for your upcoming holiday!

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Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

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Phone Travel Insurance

Table of Contents

• {post.0.post_title} Questions (FAQ)

Learn More About Cell Phone Insurance

Travel insurance can be a must-have for budding world travelers. This unique form of insurance policy can help you save money in the event of a life-altering event while you are traveling. Do these insurance plans cover smartphones and other tech-enabled gadgets? The short answer is no, but as with most things, there are exceptions.

Key Takeaways_

• Travel insurance does not typically cover mobile phones and high-priced pieces of tech, but plans offer gadget-specific tiers of coverage.
• If travel insurance covers your phone or laptop, be aware of the deductible.
• Always seek out and hold on to paperwork from airlines or local authorities if your smartphone is lost, stolen, or damaged.

What Does Travel Insurance Cover?

Generally speaking, a standard travel insurance plan covers medical emergencies, trip interruptions, trip cancellations, trip delays, medical evaluations, lost luggage, and stolen luggage.

insider tip

A standard travel insurance plan covers medical emergencies, trip interruptions, trip cancellations, trip delays, medical evaluations, lost luggage, and stolen luggage.

Will Travel Insurance Cover Smartphone Damage?

Many travel insurance plans do not offer coverage for smartphones and higher-priced tech gadgets. Some travel insurance companies do offer premium plans that cover phones, laptops, and other expensive pieces of technology.

If you aren’t sure, call the company and ask to speak to a customer representative. Ask about phone and gadget insurance coverage.

Tips to Protect Phones and Gadgets During Travel

A lot of things can happen to your smartphone and related gadgets as you travel, including theft, hacking, and identity theft. Here are some tips to help keep your smartphone and laptop safe.

And if you’ve recently bought a Galaxy tablet or phone, you will be interested in the Samsung insurance plans and warranties .

Some travel insurance companies do offer premium plans that cover phones, laptops, and other expensive pieces of technology.

Practice Caution

The most important tip to consider before traveling is to practice caution during transit and once you arrive at your final destination. Always keep an eye on your phone and other gadgets.

You should also make sure your phone is fitted into a high-quality case and boasts a screen protector. Laptops should rest in a computer-specific carrying case with plenty of cushioning.

Keep an eye on your phone and other gadgets, and do not loan them out to strangers.

Keep All Paperwork

If you experience theft or your smartphone is damaged during transit, be sure to acquire the appropriate paperwork with the airline, bus company, or local authorities.

Hold on to this paperwork, as it is possible an airline could reimburse you for the cost of the lost gadget even if your travel insurance does not cover smartphones and related items.

If you do have gadget-specific insurance, the provider is going to also want to take a look at this paperwork.

STAT: The average cost of travel insurance in the United States in 2019 was $148. ( source )

Be Aware of Deductibles

Even if your travel insurance covers lost or damaged smartphones, you should be aware of the deductible cost.

An insurance deductible is the amount of money that you have to pay before the insurance claim kicks in and begins financial assistance. Lower deductibles typically mean a higher upfront cost for the plan, with the opposite also being true.

In other words, low-priced insurance plans could feature a higher-than-average deductible.

Phone Travel Insurance Questions (FAQ)

What does travel insurance cover.

Travel insurance plans vary wildly as to what they do and do not cover. Bare-bones plans typically cover medical emergencies and lost luggage.

Can I get travel insurance for an existing medical condition?

Yes, some travel insurance plans will cover medication and doctor visits to treat a pre-existing medical condition. Read the fine print.

When should I buy travel insurance?

You can purchase travel insurance up until the day of your trip, but most experts think it is prudent to purchase a plan two to three weeks in advance.

• https://en.wikipedia.org/wiki/Travel_insurance
• https://wikitravel.org/en/Travel_insurance
• https://www.tandfonline.com/doi/abs/10.1080/10548408.2018.1486781
• https://www.youtube.com/watch?v=Tfz0uFHiK6E&ab_channel=YellowProductions

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Travel Advice: Important information about cover for Coronavirus. Read more . View the latest travel warnings here .

Stolen Mobile Phone – Am I Covered by my Travel Insurance?

Imagine jetting off overseas without your mobile phone? Inconceivable! But what happens when a phone as loveable as yours catches the attention of a pickpocket or career crim? Can you count on your travel insurance to bail you out with a replacement?

Fact: mobile phones – especially those with selfie cameras –  make travelling more fun. They’re also damn handy and a vital travel safety tool, in our books. Little wonder most Australian travellers won’t take off without theirs.

The downside to bringing you phone on holiday is that it’s a juicy target for thieves working the tourist traps and beyond. Phones are small, well some are, and thus easy to nick. We’re also in the habit of having them in our hands a lot, so the risk of having a flashy mobile phone spotted is pretty high, as is the dastardly possibility of resting your precious phone on a table top or taxi seat, only to leave your little mate behind. Tragic!

Unfortunately, it’s all too easy to fall victim to phone theft whilst overseas. So vigilance is obviously key. So to is having a backup, like having important documents printed and stashed away for in case your phone develops legs.

IS YOUR TRAVEL INSURANCE GOING TO LEND A HAND?

Equally important is knowing whether the travel insurance you’ve forked out for is actually going to man up and help you cover the costs of replacing your device. The good news is, proper travel insurance policies typically cover lost or stolen ‘personal items’ up to a certain value – and mobile phones, along with tablets, laptops and cameras, fall into this box.

There are conditions of course, I’ll get to that in a minute, but first, here’s what your insurer should be able to do for you.

WHAT’S COVERED?

Travel with Kit provides specific cover for your mobile phone, tablets and gadgets under our Device Pack . This is an optional extra – an additional level of cover that you can add to your travel insurance, to protect up to 5 devices.

What you’ll get is an allowance that can be used to either replace or repair your device, depending on that happened to it.

YOU CAN CLAIM IF

Phone stolen? To claim, you need to have reported the theft or permanent misplacement to police, a transport carrier or travel operator, within 24 hours. Keep a copy of the police report!

You’ll need to provide your lost or stolen phone’s IMEI code (International Mobile Equipment Identity) with your claim. We’ll also need you to have blocked the IMEI with your Aussie mobile network. Without an IMEI code we can’t process your claim. Note, blocking your IMEI is different to blocking your SIM.

As with all insurance claims on stuff, you need to be able to prove that you owned the mobile phone in the first place. Receipts and phone contracts will do the job.

YOU’RE NOT COVERED WHEN

We can’t cover you if your phone was stolen from an airplane cargo hold. Ditto if the loss, theft or damage occurs in the cargo hold of your train, bus – you name it – we can’t process your claim. This includes jewellery, and laptops, cameras, computers, phones and their accessories. Basically, we need you to be sensible about where you put your precious stuff, and the cargo hold ain’t as safe as keeping valuables on your person.

Same with accidently leaving your phone or luggage behind at a hotel after check out, or on a plane, rental car or other mode of transport. As well as bags left in the car during daylight, unless in the boot, or left in the car overnight, even if left in the boot.

Travel Insurance won’t cover damage due to ordinary wear and tear, weather conditions, insects, rodents or vermin.

HOW THE CLAIM WORKS IN REAL LIFE

The claims process differs from one insurer to another. We’ve tried to make ours as simple as possible with an online claim form that lets you send extra info like police reports and receipts, without having to lift the phone or lick a postage stamp.

Once your claim has been approved, we work out how much to pay you based on:

• Depreciation To work out how much to pay you for lost, stolen or damaged devices, we need to determine and apply depreciation due to age, wear and tear for each item. Depreciation applies unless we’re talking about stuff bought duty free, or on your trip.
• Repair or Replace When it comes to replacing or repairing your luggage or personal items, we reserve the right to choose which course of action to take.

WHAT WAS THAT ABOUT EXCESS AGAIN?

Just like car insurance claims, travel insurance claims also charge excess, and the amount can vary from company to company. Travel with Kit charges an excess of $100 on most, but not all claims. You can see where excess applies by glancing at our table of benefits .

The devil is in the detail, so if you’re still not sure about how travel insurance takes care of stolen mobile phones take note of some important rules and exceptions by having a read of your policy PDS . You’re also more than welcome to give us a call on +61 2 8880 9428 or email [email protected] . We’ll sort you out!

Bring Travel with Kit travel insurance along for the ride and be covered when you need it most. Get a personalised quote to see how much you could save on cover and extras.

Understand your cover

Conditions and exclusions apply to every cover level and optional pack. View our Combined Product Disclosure Statement and Financial Services Guide for full details. Sub-limits apply. Not sure? Our friendly team are here to help. Get in touch

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With over 3000 reviews on Trustpilot and a score of 4.7 we’re proud of our Excellent rating.

If we repair your phone we offer a 12 month warranty on those repairs.

Protect what matters most with the insurance brand that has served over 1 million customers.

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Peace of mind, just a phone call away – our UK based customer service team is ready to help.

loveit coverit: created to protect the things you love

Welcome to loveit coverit, we believe that insurance should be simple, comprehensive, and delivered with a human touch. Our travel insurance, phone insurance , and gadget insurance are designed to offer simple processes, high-quality policies, and peace of mind, so you don't have to worry about a thing. Since being founded by the seaside in South-East Essex, we have sold over 1 million policies, offering an award-winning level of care that no one else comes close to. Our goal is to make sure our customers are not left in the lurch, with easy processes from getting a great quote to making a claim, we are here to assist and help you protect the things you love. As a modern brand with a forward-thinking mindset, our teams of tech and travel enthusiasts stay on top of the latest trends and technologies in the mobile phone and gadget world as well as the hottest (or coolest!) destinations around the globe. Join the loveit coverit family today and experience insurance that goes beyond just protection. With our affordable prices, you can enjoy the benefits of comprehensive mobile phone, gadget and travel insurance without breaking the bank. We are authorised by the Financial Conduct Authority, rated as Excellent on Trustpilot, and have won service awards 5 years running!

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Travel Insurance for Mobile Phones

Protect your mobile phone during your holiday. Compare with Savvy and find the best travel insurance policy for your tech.

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It’s hard to imagine living without your mobile phone, especially when you’re on holiday. Whether you’re using it to call your loved ones back home or capturing special moments, having the right protection for your phone can give you peace of mind. If you're finding it tricky to choose between travel insurance providers, Savvy can help.

By doing a quick comparison with us, you can weigh up the different providers to see which provides the best coverage for your gadgets, including your smartphone. Start the process with Savvy today and get a quote.

Can I get travel insurance which covers my mobile phone?

Yes – many comprehensive travel insurance policies cover your mobile phone if it is lost, stolen or damaged while you’re on your holiday. Providers allow you to take out extra coverage if you want more protection for your personal items, or you can add your mobile phone to your existing coverage.

Insurance companies have limits on how much you can claim for a lost mobile phone which depends on both the provider you choose and the level of cover you purchase. While general personal effects cover can reach up to $15, 000, you’ll only be able to claim a limited amount for your phone. For example, some basic policies allow you to claim up to $1, 000 if you part ways with your phone while comprehensive policies allow you to claim up to $1, 500.

In most cases, your insurer will pay for the repair or replacement of your mobile phone up to a pre-agreed limit. As such, whether you’ve got a brand-new iPhone or an old reliable flip model, you have the peace of mind your means of communication is in safe hands.

However, travel insurance providers will require supporting documents to process your claim, which can include paperwork such as police reports, proof of purchase or a record of reporting your lost device with your hotel or airline. You may also need to get a quote on the cost of repairing your phone if it suffers some damage due to a covered incident.

What isn’t included under mobile phone cover on travel insurance?

Mobile phones can be invaluable gadgets, no matter the holiday you’re planning. Whether you’re taking a trip to France and wanting to grab some snaps of the Eiffel Tower or spending Christmas in New York and wanting to Facetime your family from Rockefeller Centre, it's important to understand that travel insurance can only cover so much. As such, providers have some exclusions around cover for mobiles. Some of these typically include:

• Leaving your device unattended: if your mobile phone is stolen because you take your eyes off it, even for a few seconds, it won’t be covered by travel insurance companies. This is including if you leave your phone or other personal items inside your vehicle or on your motorcycle.
• Electronics failure: if your phone simply stops working or goes on the blink, you’ll be required to cover the cost of the repairs yourself.
• Forgetting your device: ever left your mobile phone behind in a restaurant or had it slip out of your pocket on a cab ride? Most insurance companies won’t cover you in the event you lose your mobile because you leave it behind.
• Cracked screens: you’ll need to pay for the repair of your screen if your phone is damaged due to you dropping it on your holiday. It’s a good idea to make sure you have a case or cover on your device to ensure you’re not forking out for unexpected expenses.
• No IMEI number: every mobile phone has a unique International Mobile Equipment Identity number, which you can find in your device’s settings or by looking at the back of your phone. If you don't have this 15-digit number, you won’t be able to make a claim.
• Packed in your checked-in luggage: if you pack your phone inside your checked-in bags and it goes missing, insurers won’t cover the cost of replacing your device. Make sure your mobile phone is in your carry-on luggage or by your side at all times.
• Not reported: smartphones that aren’t reported missing to local police, your hotel or airline won’t be able to be covered by your travel insurer. Certain providers require you to make a claim as soon as 24 hours after you suffer the loss.

How should I compare travel insurance mobile phone cover?

If you’re shopping around for the best travel insurance coverage for your mobile phone, finding the best deal comes down to looking at some of the variables that make up each policy. Make sure you consider the following when comparing with Savvy:

Type of coverage

While the majority of providers will only provide you coverage for your mobile phone if you take out top-level cover, some will give you limited coverage with basic policies (which you may need to add as an optional extra). Weigh up which of these best serves your travel plans, as there is a notable difference in the cost between the types of policies.

Limits and sub-limits

The claim limits and sub-limits for individual items offered by travel insurance companies vary depending on the provider you choose to purchase your policy through. For example, some providers allow you to claim up $1, 500 for a lost phone, while others only allow you to claim $750. If you’re worried about being separated by your phone on your holiday, compare with Savvy and find limits sufficient for your trip.

Extra coverage

If you’re travelling with an expensive iPhone or another type of smartphone, you can purchase optional add-on coverage to protect it. Compare the costs between providers and find extra cover that won’t break the bank.

If you do need to make claim on your travel insurance, you’ll need to pay an excess. If you’re asking yourself what an excess is , it’s an out-of-pocket cost that you pay your insurer, who then pays the remainder up to a certain limit. These can vary between providers, ranging from $100 to $250, so it’s best to shop around and find an excess that’s suitable for you.

Types of travel insurance

International.

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

Reputable insurance partners, fast and convenient online process.

You can complete the quote, comparison and purchase process online through Savvy quickly and easily.

Competitive quote costs

Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.

Frequently asked mobile phone travel insurance questions

Yes – most travel insurance which covers mobile phones will allow you to claim back up to $600 if you’re billed for unauthorised calls while you’re on holiday. For example, if you travelled to London and received an unauthorised call, your phone provider will charge you for taking it. However, travel insurance won’t cover you if you rack up a huge phone bill through the use of data or outgoing calls.

Yes – many home and contents insurance policies won’t cover you for belongings you take with you on holidays. Certain providers can offer you coverage for your mobile phone if you’re heading overseas for up to a month.

Most travel insurance companies will quote you ten business days as the general turnaround time for a claim. It’s important to respond to any requests for additional information promptly, as this can reduce delays in the process.

Yes – however, you’ll likely have to take out extra coverage in the event you want coverage for another mobile phone.

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Disclaimer: We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.

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Gadget travel insurance from £2.99 /MONTH

• Suitable for Worldwide Cover or Staycations in Devon
• 93% claims accepted*
• No single item limit

Why have separate travel phone insurance cover?

We never increase your premium after a claim.

Claim online 24/7, no limit on claims.

At Insurance2go we insure the full value of your device.

We insure most phones bought new or refurbished from a UK registered company.

Pay monthly or Annual, and cancel anytime.

We’ve been recommended by MSE for years’.

Always a pleasure dealing with insurance2go. I’ve just insured my new device. I went with them because I previously had my phone nicked in Barcelona! Called them up, advised it was an online form. The advisor emailed it to me, I filled it out and the device was waiting for me by the time I got back to the uk (2 days after making the claim). Came in original box with all the accessories. Cheaper monthly premium and excess that insuring direct with networks and to be honest with you a lot more hassle free Adam Moorhouse

Choose a Separate phone insurance policy

Single item limit.

Many travel insurance policies have a single-item limit.  It means you'll only be covered up to a certain value for each gadget -  It can be as little as £100 or £1,000.

Staycation or globe trotter

Whether you are heading off to Cornwall or the Cayman Islands your device(s) are covered 365 days a year.

How much Tech?

As a family, add up all the devices your take on holiday - laptops, tablets, smartphone and the rest.  Now add up the value of those devices.  A family of 4, with two teenagers, could easily take on holiday 4 smartphones and a tablet and maybe a laptop.  That's could easily come to over £3,000.  Most travel insurers won't cover all those items.  Insurance2go will cover the replacement value of each device you insure.

Are all your gadgets covered?  

We've compared travel insurance policies for some of the top insurers in the uk..

A typical family* of four might take 1 smartphone each, a tablet and maybe a laptop.  That means if the worst happens and you lose all your device...you're not covered.

*Our typical family includes; mum owning a Google Pixel 4A (£499), Dad owns an iPhone 11 (£599),  Child #1 owns Samsung A71 (£419) and child #2 own iPhone 8 (£229), and also an iPad Air (£579).  Other families might also own smartphones, cameras and games consoles.!  So we may be underestimating this cost.  When you insure with insurance2go each policy covers an individual device. (As of  1 July 2021)  

What type of phone insurance do you need?

Choosing the right type of mobile phone insurance is straightforward. You will usually have a choice of plans with different cover levels which provide varying degrees of protection for your phone. Mobile insurance policies which provide the highest levels of cover will cost the most, but it’s important that you choose a level of protection that suits you. You can compare our phone insurance plans in the table below:

New or Refurbished phones

We'll cover your new or refurbished devices brought in the UK within the last 36 months, as long as they were purchased with a 12-month warranty.

Accidental damage

If your screen gets cracked or the headphone jack breaks, we’ll repair it. If it’s not repairable, we’ll replace it.

Mechanical breakdown

If your phone has a mechanical breakdown, for example it stops working and it’s out of warranty, send it to us, we'll repair it - if it’s not repairable, we’ll replace it.

Malicious damage

If someone outside your immediate family damages your phone, we've got you covered. We’ll either repair your phone, or, if that's not possible, replace it.

Liquid damage

Your phone is covered if it gets damaged by liquids.

Worldwide cover

Wherever you go in the world, provided that this is in line with current government guidance, our worldwide cover goes with you.

If you accidentally lose your phone while you're covered with us, we’ll replace it for you.

We’ll replace your phone if it’s stolen.

eWallet payments

You're covered for up to £100 if your eWallet is used to make unauthorised contactless payments.

Unauthorised usage

You’re covered for up to £1,000 worth of unauthorised calls, texts and downloads made in the first 24 hours after the loss or theft of your phone.

Tips for traveling with gadgets

Protect your devices - cases & screen protectors.

Data, Data, Data

Turn off data roaming. It may cost a small fortune.

Lost forever

Back up before you go. Got cloud storage? Even better!

Popular handsets

Here are some of the most popular phones that our customers buy polices for - if you see yours take a look at what we could offer you.

Get an instant quote for your device

Your phone should meet the following requirements, it should be less than 36 months old.

We’ll cover your phone provided you bought it new with the last 36 months.

You bought it from an authorised dealer

This means any UK registered company.

You bought it in the UK

We can only insure phones which have been supplied from a UK-based network provider or retailer.

You are 18 years old, or over

You have to be 18 years or older to buy an insurance policy. This means you can buy a policy for your child's device and you will be the policyholder for the insurance.

New or refurbished devices

We'll cover a new or refurbished device, as long as they were purchased with a minimum 12-month warranty.

It’s in good working order

Your phone must be in good working order at the start of the policy term.

Your questions answered

Is mobile phone insurance worth it.

New devices and handsets are the norm these days - with all major manufacturers releasing new models every year. Whilst incremental improvements to their specifications are not as vast in each annual release as they were a few years ago, the prices of the top of the range modern handsets are now in excess of £1,000. Making an investment in the latest technology is becoming an expensive past-time, and we believe the decision to take out insurance to protect your phone should become an important consideration for most. Most new devices are purchased with a connected contract - i.e. as part of a bi-annual upgrade or new phone contract, with one of the network providers. If you then accidentally drop it resulting in a cracked screen, or are unfortunate enough to lose your phone, you're left with a pretty large monthly bill which you're obliged to pay without your nice shiny piece of tech (or at least one with a few dents and scratches!). Whilst you'll have to stump up a monthly premium (or pay it off in a lump sum) to insure your mobile, and bear in mind there will also be an excess payment if the worst does happen, this is a drop in the ocean compared to having to find another £1,000 to replace your phone.

Is my mobile phone covered by my home insurance?

Before you purchase a specialist mobile phone insurance policy, it's a good idea to check if your mobile is already covered by another policy or benefit. If you are already covered it's worth checking how much cover you have. Remember that home insurance policies may provide different cover levels compared to more specialised policies like ours. Other factors to think about include that your home insurance policy may not cover your handset outside of your home. Also, don’t forget that the policy excess on your home insurance can be high (sometimes around £500), and should you make a claim for a phone on this type of policy, it could have an impact on your no claims bonus, increasing any future premium you take out.

What does mobile insurance cover?

It is important to ensure you take out appropriate cover to suit your individual needs, and is why we've chosen to offer two policy cover levels. Each of our policies have a series of benefits which come as standard:

• If you're prone to dropping your phone you'll get accidental damage cover to protect against a cracked screen or LCD damage
• You're also covered in case of malicious damage and liquid damage to your device
• We'll help you if your phone develops a fault or suffers a mechanical breakdown
• We cover the accessories you get when the phone is purchased - up to £150
• Unlimited Worldwide Insurance Cover.
• We offer cover for you & your immediate family when using the handset
• You also get unlimited claims as standard across both policies.

For complete peace of mind our Full Cover policy also insures you against loss, theft, unauthorised mobile payments (up to £100) and unauthorised calls/messages/downloads (up to £1000).  Check out the Insurance Policy Information Documents in the comparison table above for full details of what is included, and for information about what is not covered.

How can I keep my phone safe?

Whilst we can help bring peace of mind when it comes to protecting your phone, there are some things you can do to keep your device safe, for example, purchasing a sturdy case for your phone can help protect it against bumps and scrapes. Additionally, when taking your device anywhere with you, you should keep it hidden and out of sight in your bag or pocket to deter pickpockets. You should never leave your phone unattended or in the possession of people you do not know or trust. If you must leave your device in the car, ensure your phone is out of sight and the vehicle is locked and all doors and windows are closed. We also recommend that you regularly back up your device. Should the worst happen and you lose, or have your phone stolen, your contacts, messages, emails and photos will be up to date to the point you last backed up your phone.

What won't be covered by phone insurance?

It’s important to check the small print before choosing the correct policy for you. Your mobile insurance policy should reflect your lifestyle and have the appropriate level of cover for your device. If you travel often to foreign countries, make sure your policy covers either the world, or the country you are travelling too. There may also be limitations in the number of days your ‘phone’ can be out of the country. Read the following to tips before choosing which policy is correct for you. • Intentional Damage. This may seem obvious however, you cannot claim for repairs if you purposely damaged your own phone. • Theft while unattended. Whilst certain policies cover for theft, you may sometimes not be covered if you have left your phone unattended, maybe in a coffee shop or on the train. It’s worth checking with individual insurers. • A lost SIM Card. Mobile phone Insurance doesn’t typically cover lost SIM cards. You should get in touch with your network provider to organise a replacement. • Reporting Lost or Stolen. If your phone has been stolen in the UK or abroad, you must report your phone as being stolen with the police. You can do this online or at a local Police station. If you don’t complete this step it’s likely your claim will be declined. Delays reporting your loss can sometimes mean you are not covered. Check with your provider or review the Terms of Insurance to get the full picture.

Can I insure an old phone?

Yes! As long as it is 36 months old or under. We just ask that the phone is in good working order when you take out your policy and that it was new or refurbished when you purchased it.

In the case of refurbished devices, you will need to have obtained a 12 month warranty from the network or retailer who supplied you with the device.

You may be asked to provide a proof of purchase if you make a claim, so make sure you know where yours is before you purchase a policy. 

Phone insurance for travelling

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

Mobile Phone Travel Insurance

Own an iPhone, smartphone, or other mobile phone? These days, mobile phones aren't optional travel accessories - they're essential tools for getting around, discovering new attractions, and contacting family back home. Not sure about the mobile phone coverage with your travel insurance? We're here to help. 

Does travel insurance  cover mobile phones?

Most comprehensive travel insurance policies include coverage for luggage and personal effects, including mobile phones, and the coverage tends to be capped to around $750-$1500 per item whether you have the latest iPhone, a trusty Android smartphone, or are still using your flip phone from 2006. These benefits cover theft, damage, and loss of mobile phones in a range of circumstances. Given that they are both fragile and expensive gadgets, many insurers have exclusions for when they will cover mobile phones. Many don't cover for electronics failures (consider requesting a non-faulty replacement from your manufacturer), while others exclude cover for cracked screens or water damage. Generally speaking, there are no insurers who cover mobile phones if you check them into your luggage on an airline - so keeping it with on the plane can be a good idea.

Which travel insurers  cover Mobile Phones? 

High-value  mobile phones.

Spent some significant money on your iPhone or other smartphone? It's important to be aware of how depreciation affects your claim. Unless your travel insurance policy says that it is an old-for-new or replacement value policy (these are very rare), your insurer will apply depreciation. This is a reduction in the value of the item of 2% or so per month you've owned the item. So if you're claiming for a two-year-old phone, you might only get back half what you paid for it, less any excess. If you want to avoid depreciation, you may wish to consider looking for an insurer who offers high-value item coverage . For a small additional premium, you can list items on your certificate of insurance which insures them up to their value and means depreciation does not apply. The total value of listed items is capped per the policy terms.

When are you  not covered?

No imei number.

Some insurance companies will not cover a mobile phone, or device with phone capabilities like a tablet, if you are unable to supply the IMEI (International Mobile Equipment Identity). You can typically find this on your original box, or on your original receipt when you purchased your phone or put it on contract. Contact your telecom provider for assistance.

Cracked screens

It’s happened to all of us - an ill-fated fall has cracked our phone screen, or it’s been waterlogged in a bathtub or toilet. While the iPhone XS promises to be indestructible, very few phones can withstand a hard knock or splash. Many insurers restrict cover for phone screen cracks and damages - so make sure you do your research when shopping for insurance. 

Leaving phones behind

Failing to keep a close watch on your mobile phone may also invalidate your cover. Leaving your mobile behind in a taxi, hotel room, aeroplane or in an unlocked car, for instance, wouldn’t be covered by most insurance policies given the phone was left unattended in a public place .

Checked in items

Most insurers do not cover for damages or loss for items that were checked into the cargo hold of any transport carrier. So make sure you have your phone in your hand luggage.

Unreported items

Most policies will maintain that it is your responsibility to report theft or loss to the relevant authority (and your travel insurance provider) within 24 hours.

Items with no proof of purchase

Without a receipt to prove that you own your mobile phone and when you purchased it or signed it up to a handset contract, you're unlikely to have a successful claim.

When alcohol or drugs are a contributing factor

If you were under the influence of drugs or alcohol when your smartphone went missing, your claim may not be paid out.

Claiming for  mobile phones

Claiming on your travel insurance for a stolen, lost or damaged mobile phone doesn't have to be difficult. Check your insurer's general exclusions and luggage and personal effects benefit sections, and then get your documentation together. You'll generally need:

• a police report if your phone was stolen (most insurers require you to get one within 24 hours of the theft)
• a report of proof of loss from your airline, hotel, tour company, etc, if your phone was lost or stolen on their premises 
• receipts/proof of purchase for each item you're claiming for
• a repair quote from a reputable provider if an item is damaged
• the IMEI (International Mobile Equipment Identity Number) of a lost or stolen phone, and evidence from your provider that the IMEI has been blocked  
• a phone record statement

Other ways to  insur   e your mobile phone

Home and contents insurance, phone plan insurance, credit card purchase protection.

Mobile Phone Travel Insurance FAQs

Are mobile phones covered by travel insurance.

Yes, many travel insurance policies cover for stolen, lost, or damaged mobile phones. However, many exclude electronics failure, water damage, or cracked screens, while some policies don't cover them at all. See our mobile coverage table for more information, and your insurer's policy documents.

Can you claim a lost phone on travel insurance?

You may be able to claim a lost phone on travel insurance, depending on your policy and the circumstances through which it was lost. Check out the luggage and personal effects benefits section of your insurer's policy to understand some of the different situations it would and wouldn't be covered in.

Does travel insurance cover if your phone gets wet?

Some policies do cover water damage to your phone, provided that you weren't being reckless with it, while other brands will specifically exclude any claims related to water damage of phones. Compare the prices of different travel insurance policies , and check the PDS before you buy if that's what you're looking for coverage for.

Does travel insurance cover cracked phone screens?

Yes, some brands cover cracked screens , while other travel cover brands specifically exclude it from their coverage. Check the policy exclusions on your insurance provider to be sure whether you can claim.

Does travel insurance cover stolen mobile phones?

Yes, travel insurance generally covers for stolen mobile phones, although some brands exclude all phone cover including theft. You will generally have to have a police report filed within 24 hours of the theft, and you can't have left it behind or unattended in a public place.

Crystal Moran

With a research and journalism background, and certified in Tier 2 General Insurance General Advice, Crystal is passionate about investigating customers’ tricky travel questions and helping them find the answers they’re looking for. A writer and filmmaker whose favourite trips have been to film festivals in Cuba and South Korea, and campervanning around the USA, she loves getting to know new people and seeing a glimpse of the world through their eyes.

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Understanding What Travel Insurance Covers

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• Travel insurance is intended to cover risks and financial losses associated with traveling.
• Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
• When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Overview of Travel Insurance Coverage

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

What does travel insurance cover?

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellation and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

What does credit card travel insurance cover?

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

• Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
• Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
• Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
• Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
• Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
• Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
• Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
• Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex , for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

What travel insurance coverage do you need to pay more for?

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide on the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Choosing the right travel insurance

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

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What does travel insurance cover frequently asked questions

Does travel insurance cover trip cancellations due to a pandemic like covid-19.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Are sports injuries covered under travel insurance?

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Can travel insurance provide coverage for travel advisories or warnings?

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

How does travel insurance handle emergency medical evacuations?

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Are lost or stolen passports covered by travel insurance?

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

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Key benefits of travel medical insurance

• Travel medical insurance coverage
• Who needs medical travel insurance?

Choosing the right travel medical insurance

How to use travel medical insurance, is travel medical insurance right for your next trip, travel medical insurance: essential coverage for health and safety abroad.

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

• Travel medical insurance covers unexpected emergency medical expenses while traveling.
• Travelers off to foreign countries or remote areas should strongly consider travel medical insurance.
• If you have to use your travel medical insurance, keep all documents related to your treatment.

Of all the delights associated with travel to far-flung locales, getting sick or injured while away from home is low on the savvy traveler's list. Beyond gut-wrenching anxiety, seeking medical treatment in a foreign country can be exceedingly inconvenient and expensive.

The peace of mind that comes with travel insurance for the many things that could ail you while abroad is priceless. As options for travel-related insurance abound, it's essential to research, read the fine print, and act according to the specifics of your itinerary, pocketbook, and other needs.

Travel insurance reimburses you for any unexpected medical expenses incurred while traveling. On domestic trips, travel medical insurance usually take a backseat to your health insurance. However, when traveling to a foreign country, where your primary health insurance can't cover you, travel medical insurance takes the wheel. This can be especially helpful in countries with high medical care costs, such as Scandinavian countries.

Emergency medical evacuation insurance

Another benefit that often comes with travel medical insurance, emergency medical evacuation insurance covers you for any costs to transport you to an adequately equipped medical center. Emergency medical evacuation insurance is often paired with repatriation insurance, which covers costs associated with returning your remains to your home country if the worst happens. 

These benefits are for worst-case scenarios, but they might be more necessary depending on the type of trips you take. Emergency medical evacuation insurance is helpful if you're planning on traveling to a remote location or if you're traveling on a cruise as sea to land evacuations can be costly. Some of the best travel insurance companies also offer non-medical evacuations as part of an adventure sports insurance package.

It's also worth mentioning that emergency medical evacuation insurance is required for international students studying in the US on a J Visa. 

Types of coverage offered by travel medical insurance

The exact terms of your coverage will vary depending on your insurer, but you can expect most travel medical insurance policies to offer the following coverages.

• Hospital room and board
• Inpatient/outpatient hospital services
• Prescription Drugs
• COVID-19 treatment
• Emergency room services
• Urgent care visits
• Local ambulance
• Acute onset of pre-existing conditions
• Dental coverage (accident/sudden relief of pain)
• Medical care due to terrorist attack
• Emergency medical evacuation 
• Repatriation of mortal remains
• Accidental death and dismemberment

Travel medical insurance and pre-existing conditions

Many travel insurance providers will cover pre-existing conditions as long as certain conditions are met. For one, travelers need to purchase their travel insurance within a certain time frame from when they placed a deposit on their trip, usually two to three weeks. 

Additionally, travel insurance companies usually only cover stable medical conditions, which are conditions that don't need additional medical treatment, diagnosis, or medications.

Who needs travel medical insurance?

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Even if well-managed, preexisting conditions like diabetes or asthma can make a medical backup plan even more vital.

Having what you need to refill prescriptions or get other care if you get stuck somewhere other than home could be essential to your health and well-being. That's without counting all the accidents and illnesses that can hit us when away from home.

Individuals traveling for extended periods (more than six months) or engaging in high-risk activities (think scuba diving or parasailing) should also consider a solid medical travel plan. Both scenarios increase the likelihood that medical attention, whether routine or emergency, could be needed.

In the case of travel via the friendly seas, it's also worth considering cruise trip medical travel insurance . Routine care will be available onboard. But anything beyond that will require transportation to the nearest land mass (and could quickly become extremely expensive, especially if you're in another country).

Like other types of insurance, medical travel insurance rates are calculated based on various factors. Failing to disclose a preexisting health condition could result in a lapse of coverage right when you need it, as insurers can cancel your policy if you withhold material information. So honesty is always the best policy.

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Making the right choice when shopping for travel medical insurance can mean the difference between a minor hiccup in your travels and a financial nightmare. 

When a travel insurance company comes up with a quote for your policy, they take a few factors into consideration, such as your age, your destination, and the duration of your trip. You should do the same when assessing a travel insurance company. 

For example, older travelers who are more susceptible to injury may benefit from travel medical insurance (though your premiums will be higher). If you're traveling for extended periods throughout one calendar year, you should look into an annual travel medical insurance plan . If you're engaging in high-risk activities (think scuba diving or parasailing), you should seek a plan that includes coverage for injuries sustained in adventure sports.

Travel medical insurance isn't just for peace of mind. If you travel often enough, there's a good chance you'll eventually experience an incident where medical treatment is necessary.

Before you submit your claim, you should take some time to understand your policy. Your travel medical insurance is either primary (you can submit claims directly to your travel medical insurance provider) or secondary (you must first submit claims to your primary insurance provider). In the case of secondary travel medical insurance, a refusal notice from your primary insurance provider, even if it does not cover medical claims outside the US, is often required as evidence of protocol.

On that note, you should be sure to document every step of your medical treatment. You should keep any receipts for filled prescriptions, hospital bills, and anything else documenting your medical emergency.

As many people have found out the hard way, reading the fine print is vital. Most travel insurance policies will reimburse your prepaid, nonrefundable expenses if you fall ill with a severe condition, including illnesses like COVID-19. 

Still on the fence about whether or not medical travel insurance is worth it ? It's worth noting that many travel insurance plans also include medical protections, so you can also protect against trip cancellations and other unexpected developments while obtaining travel medical insurance.

While short, domestic trips may not warrant travel medical insurance, it may be a good idea to insure longer, international trips. You should also consider travel medical insurance for trips to remote areas, where a medical evacuation may be expensive, and more physically tasking trips.

While shopping for travel medical insurance may not be fun, a little advance leg work can let you relax on your trip and give you peace of mind. After all, that is the point of a vacation. 

Medical travel insurance frequently asked questions

Trip insurance covers any unexpected financial losses while traveling, such as the cost of replacing lost luggage, trip interruptions, and unexpected medical expenses. Travel medical insurance just covers those medical expenses without the trip interruption or cancellation insurance.

Travel insurance companies usually offer adventure sports as add-on coverage or a separate plan entirely. You'll likely pay more for a policy with adventure sports coverage. 

Many travel medical insurance policies now include coverage for COVID-19 related medical expenses and treat it like any other illness. However, you should double-check your policy to ensure that is the case.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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