rick steves best travel insurance

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So many things have changed since we originally planned a trip that got cancelled during Covid that I am in need of guidance about what the best travel insurance is. Do travel health insurance companies typically cover pre-existing conditions? What is considered a reasonable price for a 2 week trip, 2 people in their 60s, including cancel at any time coverage?

The cost depends on your total non refundable costs. To cover preexisting conditions, you must buy the insurance within a certain time after making your reservations. Each company has their own timeframe for this. Go to insuremytrip.com to compare what companies offer.

There is not a good, direct answer to your question. There is a difference between travel insurance and heath insurance for travel. Those are separate policies. Pre-existing conditions general are covered if purchased early in the reservation cycle and not so if purchased at the last minute --- BUT -- each policy is different so read the fine print several times. We are nearly 80 but only purchase insurance for medical evacuation back to the US for a serious condition. In fact, we carry a year around policy that covers us for all of our travels. It is cheaper than buying individual trip policies. We have never booked trip interruption insurance although many do. We have self insured for so long that we are thousands of dollar ahead and can afford to lose the whole next trip. However, with trip interruption insurance you can only insured potential loses. So refunds, change fees - you need to determine your actually potential out of pocket loss is. Cancel at anytime is expensive insurance. Expect to pay about 10% of the total value of your trip and can easily run $1000 or more if it is a big trip.

Travel Guard is frequently referenced on this Rick Steves website. I've bought it in the past and added extra coverage for the plan I chose. I scheduled it for the RS Best of Ireland in 14 Days tour in May 2020. We all know what happened with that.

If they had refunded my premium I might have considered other companies, but they didn't. Instead they gave me a voucher. So when my deposit was accepted and I was confirmed for the same tour in the summer of 2022, I got back to Travel Guard to use that voucher. I expanded my trip to include time in Dublin before the tour starts there and to go to Wales after it ends in Belfast, for a total of 5 weeks coverage.

I learned that their plans had changed and that the price for me had gone up. I was 73 when I bought it in 2019, but I'm now 75. Over 74 when you buy, at least with TG, and it's more expensive.

I always buy within the deadline to get the pre-existing condition waiver and I always get extra medical coverage and emergency evacuation and repatriation of remains. Upon exploration of the newly named plans, I learned about a plan called Travel Guard Plus.

It turned out that it had all the coverage that I usually pay extra for and that there were other features that I liked. I compared it to TG's other plans with the extra coverage I usually get and the price was virtually the same, at least for the Republic of Ireland, Northern Ireland and Wales. That may not be the case for other destinations. It wasn't cheap, but my voucher covered most of the cost.

Be aware that regardless of company or plan, where you live may affect what plan you can get. That some companies won't cover you if you don’t leave from your home. And that some plans require a little digging to locate. That was the case with the one I chose.

I'm not trying to promote TG, but I am posting some links here in case you are interested. I'd never buy any kind of insurance strictly from online listings, but doing a little research on what's available really helps when you call them. In TG's case, you work back and forth while looking at the quote the agent just sent via email and asking questions.

Link to plan comparison for their most popular plans . The one I got isn't listed. Nor are some of their others.

Link to a review of the plan I got . It includes descriptions of the basic features.

Link to a TG page with the plans briefly described . You must scroll down to see all of them.

As far as a "reasonable price" goes, comparing different companies and plans will give you an idea of what that would be for you.

estowb, assuming you are from the US, if you have existing health insurance at home, from your employer or self-paid, it may cover (reimburse you) medical treatment costs abroad. You should check with them if thats what you're concerned about. For many people its medical evacuation coverage that we worry about. That is, covering the cost of bringing you home for treatment or recovery if something major (heart attack, car accident, broken ankle, etc). You have to read the language for coverage very carefully.

The previous posters have done a good job of covering the ins and outs of travel insurance. I’ll add just a couple of points. On medical evacuation: Stan said it, but didn’t include the ballpark figure for costs. We’re talking 10’s of thousands, $50,000 or more. Cancellation: The admonition to read the fine print can’t be emphasized too often. At the start of the pandemic, some people were shocked to find that pandemics were specifically excluded from their “cancel for any reason” policies. My sense is that in the end, most air fares and pre-paid tour fees were refunded or compensated with vouchers, but some people had to wait a long time. If you haven’t pre-paid much, you may find the cost of such cancellation provisions makes them not worthwhile. If you go to insuremytrip.com or squaremouth.com, you can easily compare costs and make an informed decision.

Thanks, all, for your advice. Has anyone used GeoBlue for their travel insurance? We have Anthem Blue Cross and they referred us to GeoBlue for the trip.

We had to cancel our France trip due to COVID issues and had purchased the "cancel for any reason" option on a TG policy. When applying for the refund I told them I was unable to travel because of my health and they did not require any specifics or documentation. They provided a cash settlement for 50% of the covered and unreimbursed purchases. No voucher for future use was mentioned. Took about a month. The only static I got was American Airlines who wanted to give me a voucher. After some wrangling they refunded 100% of the ticket cost.

I remember reading at least one positive comment about GeoBlue on this forum. It's possible you'll be able to find it--and perhaps a few others--by using the Search function.

It's my understanding that standard cancel-for-any-reason policies pay back only 50% of the money you had at risk if your reason for canceling is not otherwise covered. You can buy an upgraded (more expensive) policy for better coverage, but those seem to pay back only 75%. Personally, I think the cost of those policies is out of line with the potential payout. (That's an opinion, obviously, not an undisputed fact.) The economics may differ for people who book non-refundable lodgings; I do not do that.

It's worthwhile to read the language of a standard travel-insurance policy carefully to see what is already covered even if you don't opt for a cancel-for-any-reason policy. No, fear of COVID would not be a valid reason for cancellation under most policies (unless they've changed a lot in the last 18 months), but job loss is often covered, as is a serious illness for a close relative.

A reasonable price? One thing that continues to astonish me about travel health insurance is the enormous range of prices. The good thing about consulting insuremytrip or squaremouth is that they bring up all the companies that you can choose from, given the filters you provide; e.g., age, trip length, etc. they show the ratings for each company, as well. I cannot see any reason to pay $800 for the same coverage that I can get for $400. And that isn’t the largest difference I’ve seen!

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Rick Steves Just Told Us His Top Travel Mistakes to Avoid — and His Best Piece of Travel Advice

Every year, Rick Steves’ Europe takes 30,000 people on small-group tours — and this is the one thing they're not allowed to bring.

Rick Steves never checks a bag when traveling — and he strongly encourages all of his fellow globetrotters to do the same.

“It’s more important than ever to travel light,” he said. “Two weeks, two months, man, woman, winter, summer, it doesn’t matter, you just need a carry-on bag.”

Steves is known for his popular European guidebooks, tour company Rick Steves’ Europe , and public television travel show . As a professional international traveler, Steves is an expert at avoiding common travel mistakes like lost luggage, overbooked restaurants, and crowded sights.

While a few travel problems are inevitable, Steves advocates for flexibility, which is at the core of his travel philosophy. In a recent interview with Travel + Leisure, Steves shared some of his best tips to help alleviate frequent travel issues and reduce trip anxiety.

Dominic Arizona Bonuccelli/Courtesy of Rick Steves' Europe 

Pack Light and Skip Tight Connections

Besides the occasional need to pack his hiking poles, Steves is adamant that travelers should only bring along a carry-on bag . Every year, Rick Steves’ Europe takes 30,000 people on small-group tours, and all travelers are limited to just a carry-on — no checked luggage allowed. 

“If you don’t check a bag, you’re much less likely to get ensnared in all of the airport chaos in Europe,” Steves said.

Carry-on luggage is less likely to get stolen, lost, or broken, and Steves also loves that it helps with flexibility — you can easily switch flights without worrying about leaving your whole wardrobe behind. Plus, he said, if you are worried about limited space, packing cubes are a worthwhile investment to help organize and compress clothes in a smaller bag.

“You need to roll with the punches,” Steves said.

Steves is also a proponent of scheduling airline connections with plenty of time, especially for international trips. For instance, U.S. travelers visiting countries in the European Schengen Zone have to go through passport control when arriving in their first Schengen country. So, if your final destination is Greece, but your layover is in Germany, make sure the connection timing in Germany accounts for the possibility of long immigration lines.

Book Your Top Reservations, Then Go With the Flow

Steves believes 2023 is going to be a busy travel year, with sales of his guidebooks currently matching where they were at this time in 2019, previously the company’s best year ever. With the coronation of King Charles in London in May, and the Olympics in Paris next year, Steves wants travelers to understand that some crowds are going to be inevitable.

“People really need to respect that there are going to be a lot of crowds in Europe,” he said.

Travelers who don’t do any planning in advance often end up waiting in long lines, wasting valuable time queuing outside of a museum, rather than spending than extra time inside. Steves recommends using a guidebook, like his own, that has been researched after the worst years of the pandemic to account for any changes to reservation systems and updated hours.

“More than ever, people are going to the same famous places,” he said. “Museums want to moderate their mob scenes.”

A notable change these days, he said, is many sights are still requiring online bookings to help control large crowds, which they started doing during the pandemic and have kept up in order to mitigate the chaos of long lines outside. In updating his guidebooks, Steves said he is focused on making sure there is a sidebar for each chapter reviewing what visitors need to do in advance.

For instance, Steves said well-organized travelers visiting Amsterdam have just four things they need to book ahead of time: the Anne Frank House , the Van Gogh Museum , the Rijksmuseum , and one trendy restaurant for a nice dinner.

“The flip side of that coin is that everything else is fine. You don't need reservations for all the other stuff,” he said. “If a serendipitous opportunity presents itself, the answer has always got to be 'yes.”

Once you have the core set of reservations you need, the rest of your trip can easily fall into place, Steves said. Don’t worry about making a dinner reservation every night — instead, visit a street with local eateries and pick a delicious, non-touristy spot.

“We tend to be too figured out these days,” he said. “It takes away some of the joy of travel, which is letting things unfold in an unpredictable way.”

Courtesy of Rick Steves' Europe 

Avoid Overcrowded Spots

Steves said he's noticing that so many travelers now source recommendations from social media — and that has repercussions. The consequence, he said, is that when everyone goes to the same place, trying to get the same picture, it becomes overcrowded and hard to enjoy. 

“There might be a place that's just as good, maybe 90 percent as good, but with no crowds at all just down the street,” he said.

Instead of relying on Tripadvisor or Instagram, Steves said, try to embrace the local culture and you’ll have a less stressful experience.

“I don’t go crazy over what’s No. 1,” he said. “No. 1 is the company that is deemed best in the system. [Instead], we try to find these little mom and pops, these labors of love, these creative adventures — that’s what distinguishes my books and tours.”

Perhaps the most important piece of advice Steves shared is that often, travelers put a lot of pressure on themselves to check off the top museums, historic sites, restaurants, and shops from every “best of” list. But that pressure can lead to a lot of trip anxiety and the feeling of rushing around to go somewhere just because it’s famous.

His best advice? “Assume you will return,” he said. “Never try to do everything on one trip, because you can't.”

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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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Travel guru Rick Steves shares 10 tips to save you money, time, and stress when you're on vacation

• Rick Steves is a longtime writer of travel guidebooks and the host of the series "Rick Steves' Europe."
• He told Business Insider 10 of his best pieces of travel advice to help you save money, time, and stress while you're on vacation.
• Over the years his tips have helped thousands of travelers.
• Visit Business Insider's homepage for more stories.

No one wants to be stressed out when they're on vacation. But between budgeting your trip, staying on top of a tight itinerary, and trying to make the most of your experience when you finally arrive, it can often be hard for travelers to be fully invested.

If anyone knows how to deal with those feelings, it's Rick Steves . The longtime travel writer and host of "Rick Steves' Europe" has more than 40 years of experience under his belt, and his company has led 30,000 travelers on elaborate European vacations .

There are simple things you can do to make the most out of your trip, Steves told Business Insider, from packing as light as possible to eating family-style meals to maximize the variety dishes you can try.

While some of his advice might put travelers out of their comfort zones, he said it's worth it if it helps you see the world differently and celebrate other cultures.

"A lot of people don't know the joy of travel until they do it," Steves told us.

Here are 10 of Steves' best pieces of travel advice for those looking to save money, time, and stress on their next vacation.

Bring an up-to-date guidebook

It's always smart to pack a guidebook to give you recommendations for local activities, hotels, food, and nightlife. But you'd better make sure your guidebook is up to date.

"I am amazed by the many otherwise smart people who base the trip of a lifetime on a borrowed copy of a three-year-old guidebook," Steves told Business Insider. "The money they save in the bookstore is wasted the first day of their trip, searching for buses that no longer run and restaurants that have long since closed. Guidebooks are $25 tools for $4,000 experiences."

You may think it's impossible to pack light . After all, you're going to Europe for two weeks, and you'll need plenty of changes of clothes. But there's a difference between items you'll need and items you'll want.

"You'll never meet a traveler who, after five trips, brags, 'Every year, I pack heavier,'" Steves said. "You can't travel heavy, happy, and cheap. Pick two."

Steves said his company has taken tens of thousands of people of all ages and styles on tours through Europe, and they allow them to bring only one carry-on bag. That's it.

"For many, this is a radical concept," he said. "But they manage, and they're glad they did."

He added that after you enjoy that "sweet mobility and freedom," you'll never go any other way.

Choose overnight stays that will enrich your trip

When you're traveling, you may initially feel more comfortable staying at a hotel chain that you're familiar with back home. Steves' advice? It's better to branch out and try a local accommodation.

"No matter where you go — whether a bustling city like Paris or a midsize destination like Siena — the neighborhood and hotel you choose help shape your experience," he said. Plus, you might save money.

"In many cases, the less you spend the more you experience," he said. "You can get transplanted American niceties, but you're going to pay American prices, plus shipping, for them. And that's not why you travel to the rest of the world beyond our borders."

Spend money to save money — but also prioritize what you spend money on

You may be a budget traveler and aim to save as much money as you can while you're on a trip.

But time is money, as Steves agrees.

"People sometimes focus on saving money while forgetting that their time is equally valuable, and limited," he said. "If it will save you a half hour, hop in a taxi. Considering the value of your time, even if taking a taxi costs you and your travel partner $5 more than bus tickets, it's a good investment."

Speaking of spending money, when someone says they can't afford to travel, Steves says to think again.

"It's a choice," he said, and all about priorities. "Some people can't afford to go to Europe and they spend more on a sofa than I do on a trip," he said. "Buy a used car instead of a new car, and you've got enough money for three months in Europe."

Avoid lines

Almost any popular tourist destination is bound to have a never-ending line, which can really eat into your travel time. But, with a little planning, Steves said, you can prevent this.

"As far as I'm concerned, there are two IQs for travelers: those who queue and those who don't," he said.

"These days, thanks to crowdsourcing, it seems everyone is packing into the same bucket-list sights, forcing many of these overwhelmed favorite stops to offer or require skip-the-line timed reservations."

He said this is the key to not wasting time in line and, instead, waltzing right in.

"Take advantage of this fast and easy alternative to standing in needless lines," he said. "With the right information, you can avoid nearly every line that tourists suffer through — and any good up-to-date guidebook will show you how."

Adapt your tastes by becoming a 'cultural chameleon'

When you immerse yourself in a culture, you'll have a different experience than someone who just skims the surface, if at all.

"Cultural chameleons drink tea in England, beer in Prague, red wine in France, and white wine on the Rhine," Steves said. "They eat fish in Portugal and reindeer in Norway."

He said that going with the local specialties gets you the best quality and service for the best price. "And you'll win the respect of the locals," he said.

Eat family-style meals

Speaking of food, don't you hate it when everything on the menu looks appealing but you can choose only one thing? Steves has a solution.

"Whenever possible, I order family-style so I can eat my way through more of the menu," he said. "Often, my travel partner and I will order one high-risk and one low-risk dish — and at worst, we'll split the edible one. Or we order a little buffet of appetizers or first courses — they're filling, less expensive and more typically local than entrees."

Although not every type of cuisine lends itself to this kind of eating, Steves said you can simply ask for a small extra plate and double your enjoyment by sharing.

Make saying 'yes' into a habit

When you're traveling, lots of unexpected opportunities may arise, and, initially, it might be easier to dismiss them than accept them. Steves suggests embracing them.

"Pledge every morning on your trip to do something entirely different that day — and when you're invited to experience something out of the ordinary, just say 'yes,'" he said. "You'll be surprised how many things you will enjoy that you didn't expect to. Meet people. Create adventure."

Put down your phone and be in the moment

You may hear of people taking a digital detox or putting their phone into airplane mode so they can enjoy the present moment more. Steve said it's a good idea.

"I've noticed, in our social-media age, that many travelers are more keen on documenting where they are than actually experiencing it," he said. "Sure, you need a photo. But after you take the photo, stow your phone and actually be in the moment."

He also recommends that you have your travel partner do the same, so you can savor the moment together.

It's OK if you don't see everything — be confident that you'll return

If you feel overwhelmed when you're traveling — How can I possibly see everything? — the answer is you don't have to.

"You can't see it all, especially in one trip, and that's a blessing," Steves said. "Enjoy seeing what you can and be thankful you have important experiences left over to enjoy on your next adventure."

• Main content

Find The Best Travel Insurance Policy For Your Needs & Avoid Costly Surprises!

Compare 2024's Best Travel Insurance Companies. Get Yourself Peace Of Mind.

Compare and Buy Travel Insurance

Standard single trip policies.

• The most popular and comprehensive travel insurance plan
• Covers cancellations, medical emergencies, delays, and luggage
• Protection from the time you purchase to the date you return

Annual / Multi Trip Policies

• Cost-effective option for travelers taking multiple trips a year
• Includes common medical, delay, and luggage benefits
• May require add-ons from trip cancellation or interruption

Cruise Insurance Policies

• Offers comprehensive trip protection on land and at sea
• Includes high travel medical insurance coverage limits
• Protects against hurricanes, inclement weather, and more

Adventure & Sports Policies

• Essential for travelers partaking in high-risk activities
• Provides protection for lost or delayed sports equipment
• Strong coverage for cancellations and medical emergencies

Compare and Save in Minutes

Whether you’re heading abroad or staying local, we make it easy to find the best travel insurance plan for your next adventure. No bias. No hidden fees. Just the best trip protection quotes from the country’s leading providers.

Tell us some basic information about your next trip. We’ll use these details to help narrow your search and show the plans that best fit your needs.

Easily see how plans from the best travel insurance providers compete on cost and coverage. Use filters and sort results to uncover the right plan for you.

Get peace of mind at the lowest possible price. We partner with leading providers to offer you the best policies at the best value, guaranteed.

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When selecting a travel insurance provider, it's crucial to compare options. Obtain quotes from three to five insurers to ensure the best coverage and value. While it may seem time-consuming, this process can result in significant savings.

That's why we're here – over the past two decades, our industry-leading comparison engine has helped millions of travelers find highly-rated insurance plans and protect their trip expenses.

Our industry-leading comparison platform , enriched by customer reviews, displays unbiased results based on your specific trip details. If you run into any trouble, our multi-award-winning customer service team is just a phone call away.

• Helped more than 3 million travelers
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Squaremouth has helped more than 3 million travelers find the best policy for their trip.

Key Travel Insurance Benefits

Most trip insurance policies are comprehensive, including coverage for cancellations, medical emergencies, travel delays, and lost luggage, among other benefits.

What Coverage is the Most Important?

Squaremouth customer reviews.

More than 99% of customers would recommend Squaremouth to others. Read what a few of them had to say about their recent experience buying travel insurance.

Great Experience!

"The Squaremouth website is fantastic! It was very easy to select coverage and find and compare policies. Will recommend it to others."

Savannah from NC 03/26/2024

Great Coverage and Price

"Getting a travel insurance quote online was easy. We have used Squaremouth before and have been pleased each time. It's peace of mind for our travel needs."

Rhonda from IN 03/20/2024

Easy to Use!

"I always use Squaremouth simply because it is so easy to use and offers plans that are affordable to me."

Emily from AZ 03/08/2024

Very pleased!

"They give great service, and the website is so easy to navigate to find just the right insurance plan. I always appreciate working with them."

Don from UT 03/07/2024

The Squaremouth website is fantastic! It was very easy to select coverage and find and compare policies. Will recommend it to others.

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Our topic experts keep a constant pulse on the travel industry so we can provide the most current information and recommendations based on today's traveler needs.

What Type of Insurance Do I Need?

Plans can range in terms of cost and coverage, so it’s important to identify your specific needs before comparing options. Discover the different types of travel insurance policies you should consider for your upcoming trip.

How to Buy Travel Insurance on Squaremouth

If you’re new to Squaremouth, this quick guide can help you identify your needs, start your first quote, and compare your results. If you need additional help, our customer service team is just a phone call away.

Travel Insurance FAQs

Here are some of the most frequently asked questions from travelers like you.

Is Travel Insurance Mandatory for International Travel?

While rare, some countries or organized tours may require proof of travel insurance that lasts for the duration of your trip. Our Destination Center is a good starting point to learn about entry requirements and travel insurance recommendations.

While it is typically not mandatory, travelers should consider buying insurance if they want to protect themselves financially from unforeseen events that may impact their travel plans. Many Americans and U.S. residents purchase travel insurance when planning international or high cost trips. View our list of the top international travel insurance providers .

What Does Travel Insurance Cover?

Comprehensive travel insurance is designed to cover common disruptions that may impact a trip. Most policies will provide coverage for trip cancellations , medical emergencies , travel delays , missed connections , accidental death and dismemberment , and lost luggage . Travelers that experience financial loss as a result of a covered disruption may be eligible for reimbursement through their insurance policy.

How Much Does Travel Insurance Cost?

In general, a comprehensive policy with Trip Cancellation typically costs between 5% and 10% of the total trip cost. The cost of a policy depends on four primary factors: trip cost, traveler age, trip length, and coverage amounts. A policy without an insured trip cost will be significantly less expensive. We recommend comparing plans from multiple providers to find the best priced plan for your trip.

What Should I Look for When Comparing Travel Insurance?

There’s no one-size-fits-all policy when it comes to travel insurance. When comparing plans, you should consider the following:

• Benefits: Travel insurance benefits outline what situations are covered under each plan. Make sure each plan you’re considering includes coverage for what’s important to you.
• Coverage Limits: Plans will set limits to how much reimbursement you’re eligible for, and can vary significantly. Higher coverage limits can result in less out of pocket expenses in the event of a claim.
• Exclusions: Travel insurance companies will list specific activities, equipment, and scenarios that are not covered by their plans in the event of a claim.
• Premium: Higher priced insurance products do not always equate to better coverage. We recommend choosing the most affordable plan that offers the travel protection you need.
• Provider Reputation: All providers on Squaremouth have been carefully vetted and offer 24-Hour Assistance services. Customers are also encouraged to share honest reviews about their experience before, during, and after their trips.

Does Travel Medical Insurance Cover International Trips?

In many cases, primary health care plans, such as Medicare or a policy you have through your employer, are not accepted overseas. If you’re not covered, you may be responsible for unforeseen medical expenses if you get sick or injured while traveling.

To avoid out-of-pocket expenses if you need medical care in the event of an emergency, many travelers opt for travel medical insurance. These plans can cover the cost of treating unexpected medical conditions incurred during your international trip.

Are Pre-Existing Conditions Covered by Travel Insurance?

Coverage for pre-existing conditions varies among travel insurance policies. While many plans won’t offer coverage for existing injuries or illnesses, some plans may offer Pre-Existing Condition waivers if certain conditions are met, such as purchasing the policy within a specified time frame from booking the trip.

Will My Policy Cover Trip Cancellations?

Yes, many comprehensive travel insurance policies cover trip cancellations under specified circumstances, such as sudden illness, injury, or death of the insured or a family member, natural disasters, or unexpected work obligations. Most policies that include the Trip Cancellation benefit offer 100% reimbursement for all prepaid, non-refundable trip costs.

What’s the Difference Between Single-Trip and Annual Travel Insurance?

Single-trip travel insurance covers a specific journey for a set duration, offering protection for that trip only. This is the most popular type of travel insurance among Squaremouth users. In contrast, Annual Travel Insurance provides coverage for multiple trips within a year. Annual plans can be cost-effective for frequent travelers and less of a hassle than purchasing multiple single-trip plans.

What's the Process for Filing a Travel Insurance Claim?

To file a trip insurance claim, follow these steps:

• Contact your insurer: Notify them as soon as possible about the incident.
• Gather documentation: Collect relevant documents, such as police reports, medical records, or receipts for expenses incurred.
• Complete the claim form: Fill out the insurer's claim form with accurate details.
• Submit supporting documents: Attach all required documents to substantiate your claim.
• Keep records: Maintain copies of all submissions and correspondence for your records.
• Follow up: Stay in touch with the insurer for updates on your claim status.
• Be honest and thorough: Provide clear and truthful information to expedite the process.

Remember, the process may vary by insurer, so review your policy or contact your insurance provider for specific instructions. Learn more about what can be covered and how to file a travel insurance claim .

Where Can I Buy Travel Insurance?

Travelers can purchase travel insurance directly from providers, through a comparison site like Squaremouth, or directly through a travel supplier when booking. Credit cards and travel agents are other sources to consider. Travel insurance prices are regulated by law, meaning the price of one specific policy must be the same regardless of where it is sold, whether it’s purchased from Squaremouth or directly from the provider.

The Best Travel Tip To Use When Planning Your Next Trip, According To Travel Guru Rick Steves

W hile traveling requires at least some planning ahead of time, some people prefer to be spontaneous upon arrival at their destinations. Others draw up a detailed itinerary for each day of the trip. There are pros and cons to each of these travel styles. A go-with-the-flow plan could feel more relaxing, but you could also end up missing some great experiences. On the other hand, a meticulous itinerary could help you see everything you want to see, but not leave wiggle room for spontaneous opportunities.

Travel guru Rick Steves has made a life and a business based on helping people travel. His guidebooks, tour company, and show on PBS have helped thousands travel safely, affordably, and practically. While he gives tips on specific destinations, he also gives tips on best practices no matter where you are going. On keeping a loose itinerary versus detailed planning, his big tip is that travelers should balance both mindsets for successful travels.

Read more: 10 Items Better To Buy Than Pack

Some Attractions In Major Cities Have Implemented Crowd Control Methods

Rick Steves began traveling at the age of 18 and never looked back. His tour company Rick Steves' Europe runs tours all over the continent. His years of traveling for personal joy and for business have allowed him to figure out what people should book ahead of time and what can be left up to spontaneity or availability. Not knowing this can mean getting stuck wasting time in long lines for popular attractions.

Long lines have grown prevalent with decreasing global worries surrounding COVID-19. "More than ever, people are going to the same famous places. Museums want to moderate their mob scenes," Steves explained to Travel + Leisure ." Some popular attractions have kept COVID-19 crowd control methods in place, such as requiring online reservations. Making these before your trip can not only save you from lines, but it can even prevent you from missing out on must-see places. For example, there is a "skip the line" feature when buying tickets for the Vatican Museums online and when visiting the Hungarian Parliament in Budapest , the website recommends reserving your spot online as in-person ticket sales are limited.

Rick Steves Wants Travelers To Embrace Serendipity

Once you have researched which attractions are best to  book in advance , Rick Steves encourages travelers to keep the rest of their trip open to any other exciting things that may come their way. "If a serendipitous opportunity presents itself, the answer has always got to be 'yes,'" he stated to Travel + Leisure. Steves believes that over-planning "takes away some of the joy of travel, which is letting things unfold in an unpredictable way." Sometimes unexpected activities or restaurants can make for an even more memorable trip.

Rick Steves' tour company practices what he preaches. Steves knows that there are positives and negatives to extensive pre-planning when going on a trip, and that not everyone has the same travel style. His company's tour options reflect that as some tours plan out each day's activities while others only take care of lodging and transportation between destinations. Whether you book through a travel company or not, Steves' advice on knowing what must be booked before arrival could still apply. 

Read the original article on Explore .