travel insurance for more than 120 days

The best travel insurance policies and providers

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

• You purchase the plan within 15 days of your initial trip payment.
• The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
• You must be medically able to travel when you purchase your plan.

Standout features

• The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
• You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
• Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

• You purchased the policy within 14 days of the date of the first trip payment or deposit.
• You were a U.S. resident when you purchased the policy.
• You were medically able to travel when you purchased the policy.
• On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
• Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
• Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
• For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

• You must be medically able to travel at the time you pay the policy premium.
• You pay the policy premium within 14 days of making the first covered trip deposit.
• Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
• Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
• American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

• GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
• GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

• Some annual multi-trip plans are modestly priced.
• iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

• You purchase the plan within 15 days of the initial trip payment.
• The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
• All insured individuals are medically able to travel when they pay the plan cost.
• The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
• Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
• Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
• For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

• You buy this plan within 20 days of making your initial trip payment or deposit.
• You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
• You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
• Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
• You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
• Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

• World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
• World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

• Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
• Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
• Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
• Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
• Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
• Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
• Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
• Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

4 Best Long-Term Travel Insurance in 2024 (w/ Prices)

Home | Travel | 4 Best Long-Term Travel Insurance in 2024 (w/ Prices)

When traveling abroad, get a policy from one of the  best travel insurance companies . Y ou can get a  5% discount   on Heymondo , the only insurance that pays medical bills upfront for you, HERE!

Planning on taking an extended trip soon? Long-term travel insurance is the perfect choice for travelers who are embarking on a long-term trip and need medical- and travel-related coverage.

Of course, insurance for long-term travel isn’t necessary for every traveler, particularly if you don’t take trips that are longer than three months. However, long-stay travel insurance is useful for anyone who is studying abroad, working abroad temporarily, taking a gap year, or simply traveling for a long period of time.

When I first moved to the US, I wasn’t sure if I would stay permanently, so I purchased a long-term travel insurance policy from Heymondo , knowing that it would save me money and give me coverage if I experienced any medical emergencies. It was exactly what I needed at the time.

5% OFF your travel insurance

As soon as I decided to live in the US permanently, I switched to insurance with more medical coverage beyond emergency situations since extended-trip travel insurance is not suitable for expats who want routine medical care.

If extended-stay travel insurance is what you need, keep reading, because we have compared the best long-term travel insurance plans (Heymondo, World Nomads, Travelex, and SafetyWing) and can help you choose which of these is best for your trip.

What is long-term travel insurance?

Long-stay travel insurance coverage comparison

• Long-stay travel insurance price comparison
• Best long-term travel insurance companies

Long-term travel insurance is insurance for anyone taking a long-term trip who needs medical expenses and trip-related coverage. Any trip that lasts a minimum of 90 days and a maximum of one or two years (depending on the long stay travel insurance company) is considered a long-term trip.

Like other travel insurance, insurance for long-term travel provides medical- and travel-related coverage for incidents like emergency medical care, trip delays, baggage loss, and repatriation. It is not suitable, however, for anyone who is permanently living abroad, especially because it only covers emergency medical expenses and not routine medical care.

Long-term travel insurance vs. annual, multi-trip travel insurance

So, is long-trip travel insurance the same thing as annual, multi-trip travel insurance ? They might sound similar, but actually, insurance for long-term travel and annual travel insurance is completely different.

Long-term travel insurance is insurance for long trips that last three months or more, while annual travel insurance covers multiple shorter trips that happen within one year. With annual travel insurance, trips are restricted to 30-90 days, so it’s not a useful option if your trip will last any longer than that. Annual travel insurance is also only helpful if you’ll be taking at least four or more trips a year.

If you are going on a single, long-term trip or are taking multiple trips within a year that will last longer than 90 days, long-stay travel insurance is the best choice for you.

Who is insurance for long-term travel for?

There are several reasons you might need insurance for long-term travel . You might be taking an extended trip, working abroad, embarking on a gap year, or more. Below are the most common and useful reasons for buying travel insurance for long-term travel :

Extended stay travel insurance for long trips

If you’re about to take a long trip that will last at least three months, you will definitely want to have travel insurance coverage, particularly for emergency medical expenses.

Long-term travel insurance will work out to be the most affordable option for your trip, especially if you don’t plan on returning to your home country before 90 days have elapsed. If you plan on going back home before 90 days have passed, then annual, multi-trip travel insurance might be more helpful for you.

Long stay travel insurance for working abroad

Are you about to be working from another country for an extended but temporary period? Having travel insurance for working overseas is a must, as it’s very possible that you’ll need emergency medical care at some point during your time abroad.

Remember to put your country of residence as your home country, not the country you will be working in temporarily. Otherwise, you will not be covered since long-term travel insurance usually does not provide coverage in your designated country of residence.

Travel insurance for expats

Although it may seem like a great idea to use long-term travel insurance as travel insurance when moving abroad , long-stay travel insurance is not intended for expats. Long-stay travel insurance only covers emergency medical expenses, so it’s not suitable for someone who lives abroad permanently and will need routine medical care and check-ups.

On top of that, whatever country you move to will now be your country of residence. Insurance for long-term travel does not generally provide coverage in your designated country of residence, so you may not be eligible for coverage anyway.

Long-stay travel insurance for students

It’s incredibly exciting to study abroad, but accidents and mishaps can and do happen, so avoid paying for emergency medical expenses and replacing stolen valuables with your own money by getting extended-stay travel insurance .

Having long-term travel insurance coverage will be especially useful if you plan on taking weekend trips to other countries that are close to the country where you are studying abroad; you can still receive the same coverage for those smaller trips (just make sure to select worldwide coverage or, if you’ll just be traveling in Europe, Europe/EU coverage).

Round-the-world trip insurance

Taking a long-term trip around the world is many people’s dream. If you are lucky enough to get to live out that dream, it’s easy to make sure your extended-stay travel insurance worldwide will cover you everywhere you want to visit.

Just make sure you select “worldwide” or “around the world” coverage when you purchase your extended-trip travel insurance . That way, you won’t have to buy individual long-term travel insurance policies for each country you visit. Best of all, you’ll be covered for any spontaneous stops you make while traveling the world.

One-way travel insurance, the best gap year travel insurance

If you’re planning on spending a full year traveling the world, travel insurance for long trips abroad is exactly what you need. You’ll benefit from worldwide emergency medical coverage, so you can receive treatment if you get injured or fall ill, as well as travel-related coverage for baggage loss and trip delays.

I recommend purchasing a one-way travel insurance plan from Heymondo or SafetyWing since both companies allow you to renew your plan from month to month. That way, if you end up coming home unexpectedly early, you won’t lose out on any money.

Insurance for digital nomads

ith so many jobs transitioning to working from home right now, it’s easier than ever to work remotely from anywhere in the world. If you have the opportunity to travel the world while working, take it, but make sure you purchase digital nomad travel insurance before you leave.

You’ll want your insurance coverage to include electronics (laptop, tablet, etc.) so that you can easily replace these crucial pieces of technology for working remotely if they get lost or stolen. Additionally, if you’ll be trying to check a lot of places off your travel bucket list, choose worldwide coverage so that you’ll have the freedom and insurance coverage to go wherever you want.

There can be many considerations to keep in mind when purchasing long-term travel insurance , but coverage is certainly the most important aspect to consider when selecting the long-stay travel insurance you want to buy.

Below, you’ll find a long-stay travel insurance comparison that shows you the differences in coverage among the Heymondo, World Nomads, Travelex, and SafetyWing plans.

Long-term travel insurance price comparison

If you want a better idea of how much long-term travel insurance costs based on the length of your trip and/or the specific coverage you choose, below is a chart comparing the prices of 1-month, 3-month, 6-month, 8-month, and 1-year long-term travel insurance as well as the prices of long-stay travel insurance, annual multi-trip travel insurance, and cancellation insurance.

The price of long-term travel insurance will be impacted by several different factors, including your age, nationality, and state of residence (if you live in the US).

To give you an idea of how much insurance for long-term travel costs, I’ve used the example of a 30-year-old American citizen who lives in Pennsylvania and needs worldwide coverage to generate quotes for this long-stay travel insurance price comparison .

Best long-term travel insurance

As you can see from the charts above, each of the four long-term travel insurance plans I compared has its merits.

Heymondo offers the highest emergency medical expense coverage, plus it’s the only insurance for long-term travel that pays your medical expenses upfront, so you don’t need to file a claim after your trip to get reimbursed. I will say, however, that it’s not the cheapest long-haul travel insurance and it does have a deductible of $100 for emergency medical expenses. Still, I do think it is the best long-term travel medical insurance if you want ease and convenience.

SafetyWing ’s Nomad Insurance also provides very good coverage, but their deductible for emergency medical expenses is $250. In spite of this slight drawback, SafetyWing stands out as the best insurance for digital nomads since you can sign up for a plan and it will automatically be renewed every four weeks.

Travelex , on the other hand, has the cheapest travel insurance for long-term travel (for trips of six months or more). For shorter trips, there are other, cheaper options. Travelex’s plan has no deductible, but its emergency medical coverage is also very limited, so I would think twice before going on a long-term trip with such a small amount of coverage.

Last but not least, World Nomads offers the best gap year travel insurance. The emergency medical expense coverage is perhaps a little low, but it is at least higher than Travelex’s medical coverage. There is no deductible for medical expenses, but you will need to pay out of pocket and then file a claim to get reimbursed if you receive emergency medical treatment.

As you can see, the best long-stay travel insurance for you will depend on your needs and type of trip, so keep reading to learn more about each plan.

1. Heymondo , the best long-term travel medical insurance

Personally, I consider Heymondo the best long-term travel medical insurance since its Top plan provides the highest amount of emergency medical expenses and evacuation and repatriation coverage. It’s also one of the only types of travel insurance with COVID coverage that covers COVID testing required by a doctor. Moreover, you can easily extend your plan by anything from two weeks to eight months whenever you want to.

Best of all, you won’t have to worry about waiting to get reimbursed for medical expenses since Heymondo pays your medical expenses directly and upfront for you, removing the hassle of the claim-filing process. Heymondo also makes it easy to tailor your insurance for long-term travel to fit your needs since you can add optional electronic and/or adventure sports coverage to your plan.

Heymondo’s Top plan does have its limitations, though. There is a $100 deductible for medical expenses, which means you’ll have to pay $100 towards any medical bills before Heymondo pays the rest for you. This long-stay travel insurance also lacks trip cancellation coverage; you will need to buy that coverage independently here.

If you want cheap long-term travel insurance , Heymondo is ideal; its plans already provide very good value for the money, plus you can save an extra 5% on their insurance with the discount link below.

Heymondo is also the best travel insurance company for single trips. We currently have their travel insurance and have used their assistance app more than once. Heymondo has always been there to help us when things go wrong during our trips.

2. World Nomads , the best gap year travel insurance

If you’re taking a gap year, you’re probably interested in breaking out of your comfort zone and having a real adventure. In that case, World Nomads is the perfect travel insurance for living abroad for a year and trying new things.

Its Standard plan includes adventure sports and activities coverage, so you can try everything from trekking and ice fishing to hockey and horseback riding and still be covered for accidents and injuries. Moreover, you’ll benefit from solid overall coverage for emergency medical expenses, evacuation and repatriation, trip cancellation, trip delay, and baggage loss.

Even better, there’s a $0 deductible for medical expenses, so you won’t have to pay a cent out of pocket toward your medical bills. However, World Nomads’ long-term travel insurance is the most expensive out of all the ones I compared, so if you want to save a lot of money and get similar or better coverage, Heymondo may work better for you.

3. Travelex , the best travel insurance for long-term travel

Travelex ’s Travel Select long-trip travel insurance has a lower amount of emergency medical coverage than the other insurance plans I have compared, and I personally wouldn’t feel protected traveling with such a low amount of medical coverage on a long-stay trip. However, Travelex is a viable option if you’re traveling on a budget for more than six months because it’s really cheap (and has a $0 deductible for medical expenses)!

Travel-related coverage is another story since Travelex has the highest amount of trip cancellation and trip delay coverage of all the plans I compared. It’s the best plan to choose if you anticipate experiencing any travel mishaps. You’ll also enjoy great baggage loss and evacuation and repatriation coverage.

If you would rather benefit from more medical coverage for a similar price, Heymondo is the best choice for you.

4. SafetyWing , the best insurance for digital nomads

SafetyWing ’s Nomad Insurance lives up to its name by being the best insurance for digital nomads . Not only is Nomad Insurance a cheap long-stay travel insurance , but it also provides a high amount of medical-related and baggage loss coverage.

On top of that, you can choose to have your insurance renew itself automatically every 28 days. Automatic renewal will save you time and money; ensure you don’t forget to renew so you’re always covered; and provide you with more flexibility if you haven’t decided when to end your trip yet. Just select a start date (but not an end date) when you buy Nomad Insurance and keep renewing until you want to go home, at which time you can select an end date.

Nothing’s perfect, however, and unfortunately, SafetyWing’s Nomad Insurance is no exception. There’s a $250 deductible for medical expenses, which means you’ll have to pay $250 out of pocket for medical treatment before SafetyWing will cover medical expenses for you.

SafetyWing also lacks trip cancellation coverage, which can be very useful if you have to cancel a trip due to weather, illness, injury, or many other reasons. If you want a lower deductible, go with Heymondo instead, and if trip cancellation coverage is important to you, choose World Nomads or Travelex .

What does long-term travel insurance cover?

The best travel insurance for long-term travel will usually include the following types of coverage:

• Emergency medical expenses : This is probably the most important type of coverage as well as the coverage you are most likely to need while traveling. Accidents, injuries, and illnesses can happen at any time, so having emergency medical expense coverage will ensure that you don’t have to pay out of pocket for hospitalization or medical transportation.
• Evacuation and repatriation : Hopefully, you’ll never have to use evacuation and repatriation coverage, but it is useful to have. Insurance for long-term travel with evacuation and repatriation coverage will pay for the transportation costs of taking you from a remote area to the nearest hospital or sending you back to your home country if you fall seriously ill or have an accident.
• Trip delay : Unfortunately, travel does not always go smoothly; your flight could be delayed due to inclement weather or an airline issue. If that does happen, long-stay travel insurance ’s trip delay coverage will cover expenses, such as meals and accommodation, that are incurred because of a several-hour delay.
• Baggage loss : Even when you take precautions to keep your belongings safe, there’s still a chance an airline could lose or damage your bags, or a pickpocket could take your purse. In any case, long-term travel insurance with baggage loss coverage will reimburse you for any valuables that are lost or damaged, so you won’t have to replace them with your own money.

Is long-term travel insurance worth it?

Ultimately, yes, long-term travel insurance is worth it for extended trips, working abroad temporarily, and taking a gap year. It’s also a great alternative for international student insurance . In all of these situations, insurance for long-term travel will ensure that you get the medical- and travel-related coverage you need without having to break the bank.

As you’ve seen in the long-term travel insurance comparison chart above, Heymondo is the best long-stay travel insurance in terms of medical coverage. It offers the highest amount of emergency medical expense and evacuation and repatriation coverage.

Heymondo’s extended-stay travel insurance also provides the convenient flexibility of being able to renew your policy for periods from two weeks to eight months, which is perfect if you haven’t yet decided when you’ll end your trip. To top it all off, you can even get 5% off their insurance just for being a Capture the Atlas reader.

If you’ll be traveling for more than six months and you’re looking for the cheapest long-stay travel insurance, then Travelex may be better for you. Just be aware of their plan’s lower amount of medical coverage.

If you have any questions about long-term travel insurance, feel free to comment below and I will happily help you out!

Don't miss a 5% discount on your HeyMondo travel insurance  

and the only one that pays all your medical bills upfront for you!

Ascen Aynat

22 replies on “ 4 Best Long-Term Travel Insurance in 2024 (w/ Prices) ”

Hi Ascen, we are US citizens and plan to spend about 6 months of the year in California and 6 months abroad. We have lived in California and in the past had insurance with our jobs which will now be no more. So the question is when we are are in California what is our insurance option so we can visit doctors, dentists etc. Thank you

Hi Sonu, you need standard health insurance for California and travel insurance for traveling out of the States. Travel insurance won’t cover routinary medical appointments.

Let me know if you have any questions, Ascen

Good day. Could I get overlapping coverages to address different issues? Does any of these cover rental car collision insurance during any portion of the stay? If not, what do you recommend for that?

Yes, you can hire different travel insurance to get different coverages. That is no problem.

Hi my husband was diagnosed with mestatic melonma in 2021, Weve been traveling back and forth to Moffitt overvs year now. Weve paid out over $7000 just in lodging. Do you have a plan for this??

I’m sorry about that but there is no insurance that can cover that. That is not an unforeseen issue that occurred during a trip that is mostly what travel insurance cover.

Hi There is an age limit on Heymondo 49+ not included. I am 60. Can you recommend any long stay travel insurance for this age group? Thanks Karan

Hi Karan, I recommend checking our article on senior travel insurance for the best options for you.

Hi! Do you know if you need basic medical coverage from your home country before purchasing any of these insurance plans presented above? My situation is a bit complex. I am a Canadian citizen currently living abroad (non-resident of Canada), therefore I have no basic Canadian health coverage. I am currently covered by the country I reside in (Qatar), however, once I leave, I will no longer have a residency permit and therefore no coverage here either. So when I leave, I won’t have coverage anywhere. I am planning on leaving to travel for a year, so I need long-term travel and medical coverage.

Hi Marisas, please take into account that these long-term travel insurance are travel insurance. That means that they don’t cover routine health checks or chronic diseases. They only cover you under unforeseen problems. For example, if you hire one of these long-term travel insurance and have a car accident during a trip and need surgery, the travel insurance will cover but it won’t cover cancer treatment, for example.

Hi can you recommend a travel insurance for a 7 month European trip for wife and self age 59 CA residents- many thanks

Please check the coverage for the insurance recommended in this article and choose the one that is best for you.

Hi Were planning to travel continuously for one year to Europe, Asia & med cruise. Is there a travel insurance that can cover this? Most insurances will require you to go back to your home country (US) after 60 to 90 days. Thanks

Hi Nate, I don’t believe you need to get back to the US with the Heymondo Long-Term Travel Insurance. Have you checked it out?

Hi Ascen We are a male 57years and female 58 years and we are travelling to south Africa to include Botswana Namibia Mozambique,Angola Zambia and Lesotho, we are shipping our car from Australia into south africa and will be travelling for two years we both hold Australian and UK passports Could you please recommend a medical insurance for this trip , we are not to bothered about trip cancellation baggage etc any help would be appreciated We have used world nomads previously but would consider others as well Thank you ag and rg

Hi Antony, that trip sounds amazing! If you’re doing a long-term trip like that one, I recommend Heymondo since they pay all medical expenses in advance. Just be aware of the 100$ deductible per claim.

Said that their price is very competitive and they have very high coverage.

Looking for long term insurance for cancel for any reason plus Covid coverage.

I recommend purchasing separately a long term travel insurance with Covid Coverage (I recommend this one ), and a cancel for any reason policy.

Interesting that this features Travelex and then notes: “Can get similar or better coverage for a more affordable price” From whom?

As you can see in the different comparison charts (coverage comparison chart and price comparison chart), Travelex is the one with the lower coverage, by far, and it’s only worth checking for 6-month insurance or more.

Let me know if you have any questions,

Hi! Do you know if you need basic medical coverage from your home country before purchasing any of these insurance plans presented above? My situation is a bit complex. I am a Canadian citizen currently living abroad (non-resident of Canada), therefore I have no basic Canadian health coverage. I am currently covered by the country I reside in (Qatar), however, once I leave, I will no longer have a residency permit and therefore no coverage here either. So when I leave, I won’t have coverage anywhere. I am planning on leaving to travel for a year, so I need long-term travel and medical coverage. Thanks!

Hi Melanie, no you don’t need it. You will need just long-term travel insurance and you will be covered wherever you go. Also in your home country as long that you’re traveling there and use the insurance just for emergencies (not regular checks, ongoing problems, chronic diseases, and things like that). In your situation, I think the long-term travel insurance of MONDO is your best bet.

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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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How to Find the Best Travel Insurance

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Table of Contents

What travel insurance covers

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

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

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

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

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

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

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

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

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

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

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

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

Travel insurance costs vary depending on:

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

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

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

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

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

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

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

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

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

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

Travel medical insurance

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

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

International travel insurance

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

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

Trip cancellation, interruption and delay

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

Your own illness.

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

Natural disasters.

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

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

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

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

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

Baggage and personal belongings

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

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

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

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

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

24-hour assistance

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

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

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

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

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

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

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

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

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

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

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

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

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

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

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

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

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

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

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards with travel insurance benefits.

on Chase's website

on American Express' website

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

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

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

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

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

• Travel accident: Up to $500,000.

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

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

• Travel accident: Up to $1 million.

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

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

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

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

Terms apply.

Pros: Coverage is free.

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

Travel agents and travel reservation sites

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

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

Cons: You can’t customize the coverage.

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

Travel insurance comparison sites

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

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

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

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

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

» Learn more: The best travel insurance companies right now

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

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

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

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

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

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

Squaremouth

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

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

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

TravelInsurance.com

Compare plans from 13 providers.

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

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

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

InsureMyTrip

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

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

Includes a link to plans that offer COVID coverage.

Compare plans from 11 providers.

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

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

Compare different insurance plans from 35 providers.

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

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

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

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

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

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

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

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

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

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

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

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

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

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

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

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

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

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

trip cancellation benefits

to get your nonrefundable deposit back.

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

Chase Sapphire Reserve®

The Platinum Card® from American Express

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

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

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

Keep reading

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

What is travel insurance?

How much is travel insurance?

Is travel insurance worth it?

What does travel insurance cover?

Does travel insurance cover COVID?

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

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

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

Accessibility Links

Long-stay travel insurance: providers that cover for over 90 days

Standard cover is only for trips of up to 31 days – so what if you’re away for longer.

W hether it’s Covid-related travel disruption, strikes or bad weather, travel insurance can take away some of the financial pain when things go wrong, provided you’ve taken out the right level of coverage. But most policies will only insure for trips of up to 31 days — some even shorter — so what happens if you’re going away for longer? Fortunately there are specialist insurers that can help, with policies designed to cover everything from backpacking trips to round-the-world cruises. Here’s what you need to know, including how longer trips can also affect your home insurance policy.

Main photo: visitors in New Zealand (Getty Images)

What’s the maximum length of a trip that can be covered by a travel insurance policy?

Even if you’ve purchased annual travel insurance, most standard policies will only cover you for trips of up to 31 continuous days. Some are even shorter, so it’s worth double checking the terms and conditions before you take out the cover.

For longer trips, you’ll need a specialist long stay or backpacker policy. These can provide coverage for up to 18 months — but do make sure you check the fine print as there may be limits on the number of times you can make a claim.

How could your home insurance be impacted?

If you have home insurance, check the terms of your policy for the unoccupied property clause. Most policies are only valid if you don’t leave your home unoccupied for more than 30 consecutive days, although some, such as LV and Swinton , will cover you for up to 60 days as standard.

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If you’re planning to be away for a longer period of time, you’ll need to take out specialist unoccupied property insurance, which typically provides cover for three, six or 12 months. Some of the providers that offer these policies include Towergate Insurance , Homeprotect , and A-Plan .

Times Money Mentor has a guide to the type of home insurance policy you might need. Whatever policy you take out, make sure you read the fine print. Typically, you’ll have to let your insurers know when you’re going away for longer periods of time so they can advise you on any measures to take, such as leaving the heating on in your home so your pipes don’t freeze.

Which providers will cover longer trips?

• Alpha Travel Insurance • Cover For You • LV • Sainsbury’s Bank • InsureandGo

If you’re over 65, double check the fine print as there may be restrictions on how long you can be away for.

Sign up for the Times Travel Newsletter here .

Related articles

• 4 Months Travel Insurance

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4 Month Travel Insurance Policies

If you need 4 months travel insurance for an extended trip overseas, you might find that your usual travel insurer can only offer cover up to 45 days or 3 months. In order to get travel insurance for 4 months or even longer, you need an insurer like Navigator Travel Insurance. We specialise in long term insurance for durations of anything from 2 months to 18 months.

We can offer four levels of cover for 4 months travel insurance, our Backpacker , Standard Longstay or Silver and Gold Long Stay policies. These policies are used by a wide variety of different travellers. You may be studying or working overseas, or embarking on a gap year or volunteering abroad .

We take a flexible approach to long stay travel. If you buy a 4 month travel insurance policy, for instance, and your plans change, you can extend the duration by adding extra months.

Click on one of the Quote buttons on this website, select “Long Stay” and get a price for 4 months insurance on either our Backpacker, Standard Longstay, Silver or Gold policy, depending on the level of cover that you require.

Find out the best possible price for your travel insurance

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Annual Multi-Trip

Cover for multiple trips.

• Up to 45 days each trip
• Option to extend to 62 days
• Special deals for couples and families

Long Stay Single Trip

Cover from 2 to 18 months.

• Extended backpacking
• Career breaks
• Volunteering
• Working holidays abroad

Short Stay Single Trip

Cover for up to 45 days.

• Single holiday
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• Special rates for families
• Accompanied kids go free

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

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WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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COVID 19: Find Out More About How Our Policies Can Protect You And Your Trip.

• 100+ Sporting Activities Covered
• 24/7 Emergency Medical Assistance Team
• Cover Available Up To 18 months
• Up To £5000 Cancellation Cover

Annual Multi-Trip Travel Insurance

Cover from just £52.58 ¹

Coronavirus cover now included on all policies

Holidays are like people, they’re all unique, providing experiences and memories that will last a lifetime.  They enrich the soul and enable us to see different cultures, try new foods and activities and ultimately enjoy some time out from our usual day to day life.

Part of the fun of travel isn’t just when we’re there; it’s in the planning too. And once your trip is booked there’s also the build-up to your date of departure, with all the prep work that entails.

An important part of your holiday preparations should include checking that your passport is in date, and adheres to the requirements of the country you are travelling to, sorting out any visas or vaccinations you may need, and taking out travel insurance.

If you love to travel and plan to go on holiday more than twice over a 12 month period Flexicover’s Annual Multi Trip policy provides real convenience and peace of mind. That’s because you don’t have to arrange cover for every trip, and cost-wise it can work out better value than taking out individual policies.

This means if are planning on going away multiple times throughout the year, you could save money and time.

Rated 4.3/5 on Trustpilot

From over 2,115 customer reviews

Key Benefits Of Flexicover’s Annual Multi Trip Travel Insurance

• Available up to age 85.
• Up to £10million Medical Expenses cover available.
• Up to £5,000 Cancellation cover available.
• All adults named on the policy are covered to travel independently.
• No restrictions on the number of trips that can be taken throughout the year (up to 31 days per trip)
• 24 hour emergency medical helpline.
• All medical conditions considered.
• Cover for over 100+ sports and activities as standard.

All Flexicover single and multi trip policies include cover for Coronavirus. More information can be found here .

Why Choose Flexicover Travel Insurance?

24/7 Emergency Medical Helpline

100+ activities covered as standard, up to £10m medical cover per person, up to £5,000 cancellation cover per person.

How Many Trips Does Annual Insurance Allow?

With myriad trip types to head away on the world is well and truly your oyster. So the good news is that there’s no restriction on the number of trips you can take with a Flexicover annual multi trip policy (as long as each trip is up to 31 days or less).

If you plan to travel for a longer period then a Longstay policy may suit your needs better.

How Do I Cover All The Destinations That I Am Travelling To?

To make it as easy as possible there are eight areas to choose between, so you just need to consider where you plan to travel to ensure that the area you select will cover all of your trips:

The areas are:

• Europe Excluding Spain
• Europe Including Spain
• Australia and New Zealand
• Worldwide Excluding USA, Caribbean, Canada, Mexico
• Worldwide Excluding Mexico

Please follow the link to our destinations page by clicking here .

What’s The Difference Between Single Trip And Annual Multi-Trip?

With a Single Trip policy, your cover ends on the last day of travel and you have to arrange insurance for every trip you take. Whereas, with an annual policy, there’s no limit to the number of trips you are covered for (although maximum trip limits apply) and, if you’re a frequent traveller, it may save you money when compared to the cost of taking out separate policies.

Is Independent Travel Covered On A Couple Or Family Policy?

All those named on a Flexicover Annual Multi-Trip policy are covered to travel separately so it’s perfect if you have children who are off on a school trip or if you plan to head away on holiday without your partner for example.

What Start Date Should You Choose For Your Annual Policy?

Unlike a Single Trip policies, where cover for pre-travel disasters (such as cancellation) starts from the moment you pay your premium, on Annual Multi Trip policies your cover will not begin until the start date you choose.

It is really important that you ensure your Multi Trip policy starts as soon as you pay any money towards your trip, to ensure your deposit is protected. If you set your start date as the first day of your first trip, you will not have any cover until that date.

Can I Cover My Medical Conditions On An Annual Policy?

All Flexicover policies consider all conditions and you can declare them either online or over the phone. You’ll be asked a short set of questions to enable us to determine whether we can cover you and if an additional premium is required.

It’s important to declare a condition at the time of purchase as if something happens while you’re away that’s linked to your condition and you haven’t informed us about it then it is likely that any related claim would be declined.

Make Your Policy Fit Your Needs With Flexicover’s Range of Optional Extras

We provide a range of additional options to enable you to build your policy the way you want it:

• Cruise Cover if you’re planning a Cruise holiday, we offer a specialist extension on our Single and Multi Trip policies. The Cruise Extension must be added to your policy if you’re planning a cruise.
• Golf Extension
• COVID-19 Extension
• Large Scale Events Extension
• Excess Waiver Extension

Looking For Inspiration For Your Next Holiday?

Our Flexicover newsletter provides a regular source of top travel tips and holiday inspiration. From beat the crowd destination suggestions to activity-based break highlights, packing tips to budget-friendly deals, there’s a wealth of information just waiting for you to explore.

And if you’re not already subscribed, why not sign up to receive our newsletter.

¹Multi Trip from pricing based on an individual, aged 30, travelling to Europe excluding Spain, for 3 days, if purchased within 10 days of travelling on an Flexicover Silver Single Trip policy. Prices correct as of 03/01/2024

June 1, 2020

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Due to travel restrictions, plans are only available with effective start dates on or after

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Tips for Buying Travel Insurance Over 75

How do I find affordable travel insurance for over-75 travelers?

Don’t assume travel insurance is out of reach! First, get a quote . We’ll show you the cost and benefits for multiple plans, so you can pick the best one for your trip and your budget.

The first plans you see may be OneTrip Prime and OneTrip Premier . These plans are popular for good reasons: They offer extensive benefits and high benefit limits, and they cover children 17 and under for free when they’re traveling with a parent or a grandparent (not available on policies issued to Pennsylvania residents). If you’re planning a grand vacation overseas, these plans will give you the best protection.

But what if they’re just too expensive? Consider the OneTrip Basic plan instead. An economical choice for domestic and international travelers, OneTrip Basic includes all the benefits you need for less. There’s a $10,000 limit for emergency medical benefits and a $50,000 limit on emergency medical transportation.

If you’re not worried about losing your pre-paid trip expenses, we recommend the OneTrip Emergency Medical plan. This plan includes substantial post-departure benefits — up to $50,000 in emergency medical benefits and up to $250,000 for emergency medical transportation — but does not have trip cancellation/interruption benefits. As a result, it’s really affordable, even for senior travelers. 

Here’s the best-kept secret of all: annual travel insurance. For travelers over 75, the most cost-effective travel insurance option may be an AllTrips plan, which protects all your travel in a 365-day period. When you’re getting a quote for annual insurance, age doesn’t matter! Your cost is the same whether you’re 25, 75 or 95 years old. Seriously: Get a quote for an annual plan and see for yourself   .

One word of caution: If you’re heading overseas, do not skip emergency medical benefits just to save money on your travel insurance. If you should fall seriously ill or suffer a serious injury while traveling, the cost of treatment and transportation can be staggeringly expensive — as we saw in Anna’s case. As the U.S. State Department notes, “many foreign medical facilities and providers require cash payment up front and do not accept U.S. insurance plans. Medicare does not provide coverage outside of the United States.” iii

Can I get travel insurance if I’m over 75 and have health problems?

Here’s the good news: Medical history and/or chronic medical conditions do not affect the cost of travel insurance. If you have a pre-existing medical condition, however, you need to understand how travel insurance may or may not cover it.

We define a pre-existing medical condition as an injury, illness, or medical condition that, within the 120 days prior to and including the insurance purchase date:

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

If you have a pre-existing medical condition, opt for a policy that includes the Pre-Existing Medical Condition Exclusion Waiver . With this waiver, you can still be covered for losses due to a pre-existing medical condition if you meet all of the following requirements:

• Your policy was purchased within 14 days of the date of the first trip payment or deposit;
• You were a U.S. resident when the policy was purchased;
• You were medically able to travel when the policy was purchased;
• On the policy purchase date, you insured the full non-refundable cost of your trip with us. If you incur additional non-refundable trip expenses after you purchase this policy, you must insure them with us within 14 days of their purchase. (If you do not, those expenses will still be subject to the pre-existing medical condition exclusion.)

If you have questions about what any of this means, or if you’d like advice on choosing the best travel insurance plan, please contact us! Insurance advisers are available to talk you through all available options for travel insurance over 75, or at any age.

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