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• Barclays insurance

Barclays travel and breakdown insurance

Travel and breakdown packs.

Travel Pack

Get cover for £14.50 a month.

Stay protected with worldwide family travel insurance by Aviva, plus RAC complete breakdown cover in the UK and Europe, roadside and at home.

Six-month minimum term –  terms and conditions  apply.

Travel Plus Pack

Get cover for £22.50 a month.

Comes with everything included in our Travel Pack, plus:

• Discounted fast-track security at airports
• Six free airport lounge visits per year with the DragonPass Premier+ app
• 24/7 digital concierge service from Ten to help you plan unforgettable travel, dining and entertainment.

Six-month minimum term –  terms and conditions  apply. 

Breakdown Cover Pack

Get cover for £9 a month.

Get complete peace of mind with RAC UK roadside and at home breakdown cover for you and one other member of your household.

Your travel insurance

You can view frequently asked questions, make a claim, request a call back from Aviva and get proof of travel insurance – all online.

If you’re finding it difficult to get cover for pre-existing medical conditions at a price that’s right for you, you may be able to get cover from a specialist medical insurer instead.

The Government’s MoneyHelper Service provides a directory of specialist insurers that may be able to cover your medical conditions. To access the directory please visit traveldirectory.moneyhelper.org.uk or call 0800 1387 777 

Protect your tech

Get mobile phone and gadget insurance for £14.50 a month with our Tech Pack. It lets you take care of up to four mobile phones and unlimited gadgets, each bought for a maximum, non-discounted price of £1,500. 

Travel insurance documents

If you already have one of our Travel Packs, here’s where you can read your policy documents, and terms and conditions.

Breakdown cover documents

If you already have one of our Travel Packs, here’s where you can read the breakdown insurance summary, and see what is and isn’t included in your policy.

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Barclays Bank UK PLC and Barclays Bank PLC are each authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Barclays Insurance Services Company Limited and Barclays Investment Solutions Limited are each authorised and regulated by the Financial Conduct Authority.

Registered office for all: 1 Churchill Place, London E14 5HP

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Barclays travel insurance review

In this article

What does Barclays travel insurance offer?

Does barclays offer the best travel insurance policy, how good is barclays travel insurance, how good is barclays at handling claims, barclays travel insurance: how can i claim.

Barclays' 'Travel Pack', an annual multi-trip policy, is available for £12.50 a month if you open a Barclays current account , with a six-month minimum term. 

Barclays travel insurance is underwritten by Aviva Insurance Limited.

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Find out more by reading about the   best UK travel insurance companies here . 

We've rated dozens of insurers on their policies and, where possible, claims service. 

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The latest data from the Financial Conduct Authority show that Aviva Insurance Ltd - who underwrite Barclays' policy - paid out 75-80% of claims made on annual European policies in 2022. This was in-line with the average of 76%.

Aviva paid out 80-85% of claims made on annual worldwide policies. This was aligned with the average of 82%.

It accepted 75-80% of claims made on single trip policies - above the average of 73%.

Check you're getting a great deal and search for a new travel insurance policy using the service provided by Confused.com. Get a quote now

If you're overseas and need to report a medical emergency, call +44 1603 604 976.

If you're overseas, the claim number is +44 1603 604 964.

To make a claim while in the UK, call 0800 404 6856.

If you log into the Barclays app, it also has a  'Call-us'  feature for claims.

Before calling for cancellation claims, you should contact your travel agent and/or airline to seek a refund or to move your trip.

You'll need your policy document when you call.

• Find out more:  how to claim on your travel insurance

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Barclays Travel Insurance Review: Is This the Best for You?

• Older travellers (higher upper age limits)
• Pre-existing conditions
• Longer winter sports trips
• Cover for insolvency, baggage and catastrophe
• Cover for cruises

Editor's Rating

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

Note: Barclays Travel Insurance by Cigna Insurance Services (Europe) Limited is no longer offering new policies. Barclays Current Account holders can still purchase Travel Packs which include worldwide family travel insurance and RAC Breakdown cover in the UK and Europe for a monthly fee.

Barclays travel insurance, available to you whether or not you bank at Barclays, is a good option if you just want to buy comprehensive cover without having to worry about add-ons. They include as standard features like End Supplier Failure, Insolvency, Airspace Closure, Baggage, Cancellation/Delay/Curtailment and Catastrophe. Winter Sports, Golf and Business cover can be added for extra. You'll notice higher-than-average upper age limits, especially for annual, multi-trip policies.

In this review we attempt to explain the particulars of Barclays travel insurance. We are not recommending any policy in particular. Finding the best travel insurance for you will depend upon your individual needs and situation. Compare travel insurance quotes by clicking the blue " Get Quotes " button below.

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Protect your holiday today. Quick quotes from 20 insurers.

Barclays Travel Insurance Key Points

• No need to bank with Barclays
• Maximum trip limits: 31 days for annual, multi-trip (can extend), 185 days for single trips
• Those under 65 can extend annual cover to 45, 60 or 90 days for a fee
• Optional extras: Winter Sports, Golf and Business
• Higher Maximum Age limits: 85 years for annual multi-trip, unlimited for single trips, 65 for Winter Sports cover
• End Supplier Failure, Insolvency, Airspace Closure, Baggage, Cancellation/Delay/Curtailment, Catastrophe included
• Unlimited emergency medical expenses
• 20% discount for online applications
• Longer Winter Sports cover (up to 21 days)
• Most pre-existing conditions accepted if declared
• No cruise cover

In This Review

Barclays travel insurance customer reviews.

• Barclays Travel Insurance Price Comparison

Notable Features

• Policy Limits and Coverage Options

Barclays Travel Insurance Review: What You Need to Know

Barclays offers one Travel Insurance plan with the ability to increase Baggage and Cancellation cover (up to £5k and £10k, respectively) or add Winter Sports, Golf and Business cover. Barclays cover is comprehensive—included as standard on all policies are End Supplier Failure, Insolvency, Airspace Closure, Baggage, Cancellation/Delay/Curtailment, Catastrophe (e.g., fire, flood, earthquake or volcanic eruption), etc. Emergency medical cover is unlimited.

Does Barclays Travel Insurance Cover Trips in the UK? Holidays in the UK are covered with Barclays travel insurance, so long as you pre-booked at least 2 consecutive nights of accommodation.

Pre-Existing Conditions: Barclays may be able to offer cover for pre-existing medical conditions, for an added cost. If they are not able to offer cover for your pre-existing conditions, then claims arising as a result of those existing conditions would not be covered.

Over 65s: Single trip policies have NO upper age limit. The age limit for travellers on multi-trip policies is 84 (you can turn 85 during the period of insurance and still be covered). Winter Sports and extended annual cover (meaning cover for trips more than 31 days) are subject to a cap of 65 years of age.

Barclays travel insurance, underwritten by Aviva, has been awarded with 3.79 out of 5 stars by 14 customers on Smart Money People . Here is a sample of positive and negative reviews that you might find helpful:

"... We were told that there was the 55 Euro excess to pay but then all other medical bills were sorted directly by Barclays - unlike many other insurers that only let you try to claim back later..." "Excellent product. Easy to understand terms and conditions. No fuss claims process and good value for money." "... My claim took 7 months to process... I was even made to pay further costs to help facilitate my claim or else as I was told, my claim wouldn’t go further... My costs increasingly became more than the cost of my claim eventually I was worse off financially after I started claiming..."

Barclays Price Comparison

According to our data research, prices of Barclays Multi-Trip Travel Insurance are roughly 20% higher than the average cost of travel insurance . However, Barclays policies include more comprehensive cover than many of the policies that contributed to the market average calculations.

For example, Barclays travel insurance policies include standard features such as Baggage, Trip Delay and Cancellation, Airspace Closure, Insolvency, End Supplier Failure and Substitute Accommodation/Transportation in the case of natural disaster (e.g., fire, flood, earthquake or volcanic eruption).

These prices reflect a 20% discount for online applications. Insurance quotes can vary significantly from day to day and according to each individual's details, so please just use the following data for general informational purposes only; your quotes may reflect a large degree of variation.

Barclays Single trip policies appear to be around 20% cheaper than market averages.

Travel Insurance for a Family

If you're travelling in a group or as a family, you may be interested to see a rough idea of prices for both single and multi-trip policies across different geographical locations like Europe and America . We gathered quotes for Barclays plans for a family of four—they'll pay on average 80% more for Barclays travel insurance than an individual would pay.

How Expensive is Barclays Travel Insurance for a Family of 4?

Cost of Add-On Extras

Winter Sports, Golf and Business cover may be added for an extra cost to Barclays travel insurance plans. We've gathered quotes across geographies and types of policies to give you an idea of travel insurance add-on costs . Quotes were gathered for a 30-year-old individual traveller.

Added Cost of Winter Sports, Golf and Business Cover

Here are some highlights of features available on Barclays travel insurance policies. Standard features like Medical and Personal Liability are also included on Barclays policies, limits for which can be found below in Policy Limits and Coverage Options . For more complete details like inner limits (e.g., the £400/item Valuables limit within Personal Belongings) and exclusions, please see the policy documents.

Types of Barclays Travel Insurance Policies

Barclays travel insurance for the general public (not limited to those who bank with Barclays) is offered as one simple plan with the ability to change cover limits for Cancellation (range of £250 to £10k) and Baggage (£250 up to £5k), plus you can alter the excess between £0 and £250 to suit your needs.

Winter Sports, Golf and Business cover can be added for an additional cost.

Barclays Single Trip: Barclays Single Trip travel insurance covers trips up to 185 days abroad.

Barclays Annual Multi-Trip: Barclays annual, multi-trip policies cover any number of trips a policy year, up to 31 days each. Those under age 65 can change the maximum trip duration to 24, 45, 60 or 90 days with the premium increasing for longer trips.

Standard cover limits are listed in the following table, but be sure to read the policy documents for details of specific inner limits.

Cover Limits (Single & Annual Multi-Trip) per Insured Traveller

Cover limits for optional winter sports travel insurance, cover limits for optional golf travel insurance.

Please read some of our Travel Insurance Guides if you're trying to decide between Single Trip or Multi-Trip policies, learn about What May Not be Covered by Travel Insurance or decide if you Need Travel Insurance or Not .

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

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

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**4.8 out of 5 stars on Reviews.co.uk is the rating for our insurance comparison partner, QuoteZone.

Barclays Travel Insurance: Want the Best Pack?

Will Barclays travel insurance be the premier experience you are looking for? You can make up your mind after reading this handy overview. We’ll share valuable information about their packs , how to claim , useful contact numbers and reviews . Come and embarque on a journey with us and explore more...

Barclays Travel Insurance Packs

Barclays travel insurance works slightly differently to other providers. This is going to sound a little crazy in the world of travel insurance, but you won’t see Barclays pop up on any comparison sites. If you’re asking yourself how on earth you buy Barclays travel insurance then, we’re about to let you know.

The most critical thing to know is that Barclays travel insurance is only available to select customers. There are two options you can go for: Travel Pack and Travel Pack Plus . They are called packs because they include a range of benefits (yippee). We’ll share all the juicy details in a minute. First, how do you know if you qualify to add the insurance? You can add a pack if you have one of the following accounts:

• Barclays Bank Account
• Barclays Basic Current Account
• Student Additions
• Higher Education Account
• Premier Current Account
• If you have another account with Barclays give them a call and they will tell you if you can add a pack

As we mentioned, there are two packs to choose from and they are full of surprises (all good we might add!). To give you a really clear picture of what the packs include we will highlight them below, side by side. Both packs are for annual multi-trip travel insurance and include up to 31 days’ travel at a time.

Information correct as of August 2019.

*Cover is for you and your partner living at the same address. Your children are also covered when travelling with you if they are under 18, or under 23 if they are in full-time education and living with you outside of term time. Everyone insured must be a UK resident."

Barclays travel insurance will offer you an excellent level of cover with very low excesses! We’ve reviewed the policy and for both the Travel Pack and Travel Pack Plus here are some of the benefits you could get:

Prices correct as of August 2019. Always check the policy wording for the most up to date prices.

*In the event of a catastrophe you will be covered for extra accommodation and/or transport costs if you are forced to move from your accommodation. You must have booked your accommodation directly with the provider, and events covered include avalanche, earthquake, explosion, fire, flood, landslide, storm or tsunami.

How does this compare to other insurers on the market? Cover limits seem to be fairly generous, but you can find higher limits on many of these benefits. However, experts rate Barclays travel insurance highly and customers sing its praise in comparison to other providers (see bottom of page for reviews). The most important person in this story is you, so you need to feel comfortable whichever company you choose.

Is the Barclays Premier Travel Insurance Pack Still Available?

The Barclays Premier Travel Insurance Pack is no longer available to new customers. Don’t worry though, we compared the benefits to the packs currently available and you’ll be getting an even greater level of cover. Barclays recently increased the level of cover across multiple sections too. Nothing is for free though, and with the increased cover, Barclays also raised the price of their packs too.

In the next section you’ll find out exactly how much you would have to pay and we’ll do a price comparison against the industry average to see just how Barclays fares.

Barclays Travel Insurance Prices

There are a lot of factors to bear in mind when choosing travel insurance. While you don’t want to break the bank, travel insurance is one of those things you tend to get what you pay for.

In order to compare Barclays travel insurance prices, we have done a comparison for an annual policy including Europe for a 35-year-old woman with no pre-existing medical conditions.

As you can see, Barclays is much pricier than your average travel insurance provider. Since they operate the pack system though, an exact comparison is difficult. Don’t forget that Barclays includes RAC breakdown cover and even more benefits with Travel Pack Plus.

We did some research and RAC breakdown cover starts at £4.50 a month (£54 per year). That price is if you’re lucky enough to have a brand spanking new car and goes up from there! Depending how much you pay, you could save a bundle with this deal.

If you are sick of overpriced airport food and plastic seats you may want to treat yourself to an airport lounge next trip. This will set you back £15 - £20 on average, but if it’s included in your pack, it would be rude not to accept! See you later toasted sandwiches and hello hors d'oeuvres!

It’s important to note that if you purchase a pack you are locked in for at least six months. As of August 2019, the actual price per month is:

• Travel Pack = £12.50
• Travel Pack Plus = £18.00

Overall, do we think Barclays travel insurance is good value? If you don’t have a car, you shouldn’t even consider it because you will be paying for something you don’t need. Barclays does have a comprehensive level of travel insurance cover but you can find the same cover elsewhere (minus the breakdown cover). If you have a car and a family, plus love to travel a lot, then it could be an interesting option for you.

Faced with so many decisions, you need a holiday soon! Don’t worry, we are here to help. We’ve reviewed a lot of the top insurers. If you don’t want the breakdown cover, but want a more flexible provider with competitive prices, you could check out our guide on Admiral travel insurance .

Barclays Travel Insurance Claims

We hope you have a lovely trip wherever you are going. Unfortunately, accidents do happen though. If the unthinkable happens to you or one of your loved ones here is how to make a claim for a non-medical emergency :

Travel Pack Please check with your provider if you don't know how much a call will cost. 0800 158 2685 or (+44) 1603 604 977 if calling from abroad

Travel Pack Plus Please check with your provider if you don't know how much a call will cost. 0800 404 6856 or (+44) 1603 604 964 if calling from abroad

If you need emergency medical assistance , please call:

Travel Pack Please check with your provider if you don't know how much a call will cost. (+44) 1603 604 976 (from abroad) 0800 158 2684 (UK)

Travel Pack Plus Please check with your provider if you don't know how much a call will cost. (+44) 1603 604 961 (from abroad) 0800 404 6853 (UK)

We recommend you read these top tips on making a claim before you go on holiday. There are a few things you should do before you even pack, which will make your life easier if you do have to claim. It could be the difference between a payout and you footing a hefty bill!

Barclays Travel Insurance Contact Numbers

Barclays provides you with a general helpline service, Travel Assistant , available 24 hours a day. You can even ask for travel advice before you jet off. To use the service, please call the helpline on:

Travel Pack Please check with your provider if you don't know how much a call will cost. 0800 158 2687

Travel Pack Plus Please check with your provider if you don't know how much a call will cost. 0800 404 6854

If you have purchased the Travel Pack Plus , congratulations and hopefully you make the most of it! You will probably want to be using your free airport lounge passes on your next trip to reward yourself in style. In order to do so, you need to:

• Download the Barclays Traveller Plus App, which can be found through iTunes or Google Play
• Visit the dedicated website
• Call 03 332 205 599

Travel Pack Plus customers can also take advantage of discounted airport parking and hotels . You can do this by:

• Booking online
• Calling 01342 859548 , quoting 'TPLUS'

How do I Cancel my Barclays Travel Insurance?

If you have purchased a pack, you have the statutory 14 day cooling off period where you can cancel. The period begins on the date that your travel pack is added to your qualifying account or the date you receive your policy documents (whichever is later). If you cancel within the 14 day period, you will receive a refund as long as you haven’t made a claim and no incident has happened which is likely to cause you to claim.

After the 14 day period, you must hold the pack for a minimum of six months. After six months, you can then cancel at any time.

Barclays Travel Insurance Reviews

Now that we’ve given you all the facts and nitty-gritty detail, let’s see what customers and the exerts say about Barclays travel insurance packs . First up, customer reviews . While we found some reviews stated the claims process is lengthy, comments were generally quite positive. In the world of travel insurance, this isn’t always easy to come across!

That’s what the customers are saying and it sounds like Barclays are doing something right! What about the experts then? Defaqto independently reviews travel policies in the UK based on quality and policy features. It gives the Travel Pack and Travel Pack Plus five stars, the highest rating a product can receive. In our opinion, this travel insurance is of a high standard and offers that extra bit of protection for you and your family.

Like we said before though, the most important thing when choosing travel insurance is that it suits your needs. You’re the master of your destiny here so have the final say. If you’ve read this overview and don’t think Barclays travel insurance is for you, shop around. There is more choice than ever on the market at the moment which is great news for you. You can tailor a package with a click of your mouse. Read our guide on choosing travel insurance for more help.

Data and information correct as of August 2019.

All material on this page and the selectra.co.uk website is for information purposes only and does not constitute any form of financial advice. Selectra.co.uk is not responsible for any consequences that might arise from your use of the information provided.

Other providers are available and the best deal for you will depend on your individual circumstances. Please do your own research and seek professional advice if necessary ( moneyadviceservice.org.uk offers free, independent advice on all financial issues).

The services and products mentioned on this website may only represent a small selection of the options available to you. Selectra encourages you to carry out your own research and seek advice if necessary before making any decisions. We may receive commission from selected partner providers on sales of some products and/or services mentioned within this website. Our website is free to use, and the commission we receive does not affect our opinion or the information we provide.

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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...

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

9 Best Travel Insurance Companies of April 2024

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

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

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

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

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

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

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

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

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

SEE FULL REVIEW »

Annual and multitrip policies are available

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

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

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

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

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

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

More limited coverage for baggage issues than other companies

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

Travel insurance policy coverage is tailored to your specific trip

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

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

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

Limited trip cancellation coverage even at the highest tier

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

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

Cancel for any reason coverage costs extra

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

Generous emergency medical and emergency evacuation coverage

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

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

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

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

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

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

Travel Insurance Types: Which One Is Right for You?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Why Trust U.S. News Travel

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

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AAdvantage ® Aviator ® Red World Elite Mastercard ®

Earn 50,000 AAdvantage ® bonus miles 2

First checked bag free 2, enjoy preferred boarding 2.

annual fee 1

Rewards & Benefits

Earn 50,000 aadvantage ® bonus miles.

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Earn 1X AAdvantage ®  miles

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Anniversary Companion Certificate

Each anniversary year: earn a Companion Certificate good for 1 guest at $99 (plus taxes and fees) if you spend $20,000 on purchases and your account remains open for 45 days after your anniversary date. 2

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on domestic American Airlines itineraries for the primary cardmember and up to 4 companions traveling with you on the same reservation. 2

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Travel Coverage

Eligible for Travel Accident Insurance, Trip Cancellation and Interruption coverage, Baggage Delay Insurance, and Auto Rental Collision Damage Waiver. 3

Introductory APR on balance transfers

0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 21.24% to 29.99%, based on your creditworthiness and other factors. There is a fee for balance transfers. 1

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for the primary cardmember and up to 4 companions on their reservation for all American Airlines operated flights. 2

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AAdvantage ® Benefits

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The new AAdvantage ® program now has only one way to earn status — Loyalty Points. Earning one eligible AAdvantage ® mile will earn you one Loyalty Point. Learn more at aa.com/loyaltypoints 4

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Interest Rates and Charges Summary

Fee summary.

See Terms and Conditions for a complete listing of rates and fees

Important Information

Offer subject to credit approval. This offer is available through this advertisement and may not be accessible elsewhere. Other offers may be available. For complete pricing and other details, please see the Terms and Conditions .

This offer is valid for approved applicants. Any bonus associated with this offer may only be earned once. You may not be eligible for this offer if you currently have or previously had an account with us in this program. In addition, you may not be eligible for this offer if, at any time during our relationship with you, we have cause, as determined by us in our sole discretion, to suspect that the account is being obtained or will be used for abusive or gaming activity (such as, but not limited to, obtaining or using the account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card account applications/openings). Please see the About This Offer section of the  Terms and Conditions  for important information.

Annual fee is $99. 0% introductory APR on balance transfers made within 45 days of account opening is applicable for the first 15 billing cycles that immediately follow each balance transfer. This introductory APR offer does not apply to purchases and cash advances. For new and outstanding balance transfers after the introductory period and all purchases, the variable APR is 21.24% to 29.99%, depending upon our review of your application, your credit history at account opening, and other factors. The variable APR for cash advances is 29.99%. The APRs on your account will vary with the market based on the Prime Rate and are subject to change. The minimum monthly interest charge will be $0.50. Balance transfer fee: 5% (min. $5). Cash advance fee: 5% (min. $10). Foreign transaction fee 0%. See  Terms and Conditions  for updated and more information about the terms of this offer, including the "About the Variable APRs on Your Account" section for the current Prime Rate information.

Conditions and limitations apply. Please refer to the Introductory Bonus Offer section within the Terms and Conditions for additional information about this introductory offer. Please refer to the Reward Rules within the Terms and Conditions for additional information about the rewards program. Select offers/benefits may not be achievable based on the assigned credit line and ability to maintain that credit line.

Restrictions, limitations and exclusions apply. Upon account approval, we will send you a Guide to Benefits which includes a full explanation of coverages and details regarding specific time limits, eligibility and documentation requirements.

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The AAdvantage ®  Aviator ®  Red World Elite Mastercard ® is issued by Barclays Bank Delaware pursuant to a license by Mastercard International Incorporated. Mastercard, World Mastercard, World Elite Mastercard, and the circles design are registered trademarks of Mastercard International Incorporated.

American Airlines reserves the right to change the AAdvantage ®  program and its terms and conditions at any time without notice, and to end the AAdvantage ® program with six months' notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage ®  miles earned through this promotion/offer do not count toward elite-status qualification or AAdvantage ®  Million Miler SM status. American Airlines is not responsible for products or services offered by other participating companies. For complete details about the AAdvantage ® program, visit aa.com/aadvantage .

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Barclays: Travel Insurance reviews

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About the Travel Insurance

Do you buy travel insurance before going abroad? There are hundreds of different travel insurance policies on the market, all designed to help you stay protected while travelling...and giving you piece of mind, whether you're enjoying a sun swept beach or on an adverture-packed holiday. But with so many different policies to choose from, finding the right policy for you can be quite confusing. Reading our Barclays travel insurance reviews can help you find out what other travellers have to say. You can also write your Barclays travel insurance review too!

Review Barclays: Travel Insurance now

Barclays travel insurance reviews ( 35 ), customer service is incompetent and it will cost you, worst experience, worst bank.

If I could give no stars

I like them as a bank - But don't expect any help from their travel insurance.

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