travel insurance in ontario

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Affordable Travel Insurance in Ontario

CCV Insurance offers travel insurance plans tailored to cover travellers around the world. Whether you or your family are travelling to a destination in the sun, or you have a business meeting to attend, you need 24-hour coverage and assistance. We can provide affordable travel insurance options that suit your Ontario travel needs throughout the province and beyond!

We offer affordable plans that include coverage for trip interruption or cancellation, medical emergencies, lost luggage and much more. Travelling and need the right level of cover? Let us find the right coverage for you!

Travel/Out of Country Insurance?

Travel insurance is insurance that is intended to cover medical expenses, trip cancellation, lost luggage, flight accident and other losses incurred while traveling, either internationally or within Canada (out-of-province).

If you are planning on travelling outside your home province or country, we can provide easy and affordable travel protection against unexpected illness or accident.

Travel Insurance Plans

At CCV Insurance, we have a variety of travel insurance plans for Ontario travellers to choose from, no matter if you’re travelling for a few days or a few months. Travel insurance offers emergency medical coverage and any other significant out-of-pocket expenses. Coverage is also available for non-medical expenses, such as trip cancellation/interruption and lost baggage.

If you travel more frequently during the year, you may be able to save money by buying a multi-trip insurance policy instead of multiple individual trip coverage.

Why CCV Insurance?

When it comes to travel insurance brokers, Ontario residents may have a few options available to choose from. However, CCV Insurance stands out because we take every step possible to ensure you get outstanding service, the very best plans available and a great price. Not all travel insurance companies in Ontario can offer the same level of coverage or tailored policies.

It only takes a few minutes to learn more about the services and the products we can offer to you. For quality travel insurance that covers you throughout Ontario, Canada or the world, contact our team today . Our insurance brokers can also provide customized travel insurance policies for businesses.

Areas We Serve

• Halton Hills
• Orangeville

Start a conversation with one of our expert brokers today to determine the right coverage for you.

Rogers Insurance and CapriCMW Merge to Become Acera Insurance.

CCV Insurance, as part of the Rogers Insurance Group, is now Acera Insurance.

As one unified company, we are now one of Canada's largest independent and employee-controlled brokerages.

Canadians are optimistic about travel in 2024: Blue Cross Travel Study

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Take off with Canada’s #1 travel insurance provider

Enjoy the confidence and peace of mind with Blue Cross when exploring Canada or around the world

#1 in Travel Insurance

Out-of-province emergency medical expenses are not generally covered by your provincial medical plan and these expenses can be financially overwhelming.

For millions of Canadians, comprehensive emergency travel coverage offered by Blue Cross has become an essential part of their holiday plans.

As a recognized symbol of health care globally, being trusted, professional and familiar is what you need in your coverage provider when travelling out of province.

Travel Worry Free

Let Blue Cross travel coverage take care of any unexpected medical emergency costs so you can make the most of your trip.

Whether you travel frequently during the year, take regular sun destination trips or do only occasional short trips, there is a plan that’s right for you.

Blue Cross is a member of a trusted global network, including the American Blue Cross & Blue Shield Association and the International Federation of Health Funds.

Canadians are optimistic about travel in 2024

The cost of travel is on the rise, but that isn’t stopping most Canadians from planning a vacation.

A ccording to a new study from Blue Cross , Canadians spent an average of $4,200 on their last vacation, and 94 per cent feel the cost of travelling is increasing .

H owever , the 2024 Blue Cross Travel Study also reveals that more Canadians are feeling optimistic about travel and are planning more trips this year.   

Find the Right Plan

We understand making the right choice for your benefits and coverage is important.

We’re here to help!

Please click below to be redirected to your local Blue Cross for more specifics, including local contact information.

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Blue cross travel insurance ontario.

You never know when an accident or medical emergency will happen. If it occurs while travelling, it can end up costing you thousands of dollars. If you don’t have the right protection, that’s not the souvenir to take home to Ontario from your vacation.

Our Blue Cross travel insurance products are designed to provide peace of mind to Ontarians when travelling.

As travel insurance advisors, we work with most of the travel insurance carriers in Canada including Blue Cross & Manulife. That means we shop on your behalf for both price and quality.

Don’t rely on your credit card insurance or group insurance coverage. Be sure to pack one of our Ontario Blue Cross travel insurance plans in your bag before you leave home.

Emergency Medical Travel Insurance Plan Features

If you only travel once a year, or if you have many trips scheduled, we are here to help!

Ontario Blue Cross travel insurance plans include coverage for:

• Single or Multi-Trip Plans
• Coverage for COVID-19
• $5 to $10 million for emergency medical care
• Hospitalization fees
• Ambulance (Ground or Air Transportation)
• Prescription drugs required to treat emergency situations
• Professional fees for nurses, physicians and other health care professionals for emergency medical treatment
• Emergency dental treatment as a result of an accident
• Emergency repatriation by air ambulance or commercial flight with a medical escort
• Return of your traveling companion and/or family members covered by the same policy

Non-Medical Travel Insurance

Not all emergencies and expenses are medical. You can also get coverage for these situations.

• Trip Cancellation: for pre-paid travel fees if your trip gets unexpectedly cancelled before departure
• Trip Interruption:  for pre-paid travel fees if your trip gets unexpectedly cancelled after departure
• Baggage Insurance: for lost, stolen or damaged baggage
• Accidental Death & Dismemberment: in case of death or loss of limbs due to an accident while travelling

How to Check Your Current Travel Insurance Coverage

Not sure what you’re covered for? Check the extent of insurance coverage on your credit card. Pay particular attention to these items:

Travel Duration

Some institutions limit the length of stay based on age. If you are an Ontario snowbird wintering south, you may not be covered.

Emergency Medical Care Coverage

Check the eligibility requirements for your coverage. Do you have a chronic illness or a pre-existing condition? Your condition may have to be stable for more than 6 or 12 months, depending on your age. Sometimes, only a percentage of total emergency medical care costs may be reimbursed. As well, indemnities are subject to a deductible and you may need to pay for services up front, and then be reimbursed.

Trip Cancellation or Interruption

Be sure to verify what the limits are for trip cancellation and interruption. For example, many gold cards limit coverage to $2,000 – not enough to cover a 3 or 4 week trip abroad. Very few group plans provide these benefits.

Many credit card plans and group plans, do not include coverage for baggage. If they do, they usually have very low maximum coverage amounts.

Protect Your Travel Investment

If your group or credit card insurance is limited, we can enhance your coverage with additional travel insurance. One way or another, it is likely your supplemental coverage will take over in the event of an accident or illness.

Contact one of our Ontario Blue Cross travel insurance specialists to help you choose the travel insurance coverage you need.

Is your child travelling away from Ontario for their education? Protect them with health insurance for Canadians studying abroad.

We all know "it" happens - have a guardian by your side

WE'VE GOT YOU COVERED!

Guarding your peace of mind.

Travel Insurance for everyone! We provide tailored travel insurance solutions around the unique needs of our individual clients.  Our leading edge is our extensive product line offering the most affordable rates to provide you and your family with solid protection.  Whether you are traveling outside of your home province or country, visiting Canada or looking for a personalized healthcare plan – we have you covered.

CANADIANS TRAVELING

Whether you’re traveling to another province or outside of Canada, make sure you have insurance should the unexpected happen.

TRAVELING TO CANADA

Planning a visit, moving to Canada or perhaps returning from a long stay abroad?  Get the coverage you will need before you arrive.

INDIVIDUAL HEALTH PLANS

Life is unpredictable.  Don’t risk becoming overloaded with out-of-pocket medical expenses.  Invest in a personalized healthcare plan today.

TRIPS INSURED

CLAIM REIMBURSEMENT

HAPPY CUSTOMERS

Travel Insurance for Everyone.

Ready to get insured? In a few steps you can get a live quote and buy, everything online. Or you can talk to our specialists and they will find you the best coverage at the best rate.

THREE REASONS TO CHOOSE US

Our clients are our #1 priority. Offering world class customer service, we are always here to assist you.

Our solid systems and procedures secure you get the coverage you need no matter your medical conditions.

Our team will find you the best policy at the best rate by accessing most products in the market and exclusive programs.

Happy clients are the best form of advertising. Read more of our stellar reviews here .

Our unique circumstance was such that we couldn’t insure a particular risk while travelling. I looked for an insurance broker. The reviews I read here were favourable. We had a very good experience with Travel Guardian Insurance. They were able to find coverage that met our needs. We would easily do business with them anytime.  

I highly recommend this company, my grandma was told she wouldn’t be able to get travel insurance to go to asia, which would have been her last chance to go. travel guardian reviewed her medical history and got the proper supporting documentation and determined they could cover her. because of this company she has been able to go to asia twice to see her family. thanks travel guardian.

Christina M.

I highly recommend Travel Guardian Insurance. I am 85 and have, as expected, some issues. They were dealt with and although the premium was not inexpensive I will now travel, worryfree, knowing that I am completely covered. The representative, I had the pleasure of dealing with was patient, knowledgeable and professional . Thank you

The travel guardian team represents among the highest levels of customer service i have experienced in the industry. information is always accurate, turn around time to questions and quote requests always very fast. staff is always very clear and takes the time to be very detailed with clients to help them make an informed decision quickly, minimising the end to end time to make their process an excellent experience..

Margaret J.

We have been insuring with Travel Guardian for a number of years and been completely satisfied with the responsiveness and level of service provided. Additionally, we have from time to time compared Travel Guardian's prices with other providers and have always found the best price with Travel Guardian.

Need a travel insurance quote or have more questions contact us today..

No matter how much you plan before your vacation or travel, unforeseen circumstances can always dampen a trip. But don't worry — Travel Guardian Insurance is here for all your travel uncertainties with our exclusive range of Travel Insurance Plans.

Travel insurance is aimed to indemnify against potential dangers, emergency circumstances, and financial losses that may occur while travelling. Some of our policies cover missed flight arrangements and misplaced luggage and others cover accidents or acute diseases.

Our Travel Insurance policies will give you the right coverage for your specific needs — such as travel health insurance, baggage insurance and multi-trip benefits to keep you protected throughout your travels.

Travel Guardian Insurance prioritizes customer service. Our travel insurance specialists will guide you through our travel insurance plans and answer any questions you may have. We believe that age should never be a restriction to travelling! Coverage can account for health conditions with individual health plans.

Travel Guardian Insurance also offers travel insurance to young people and families. If your trip gets cancelled, a health issue arises, you have to travel internationally, or you wish to travel out of the province, look no further than Travel Guardian Insurance for affordable travel insurance plans.

Travel Guardian Insurance has been trusted by international travellers since 1991. Beginning in Ontario, we now have five offices across Canada. Our experts will get you the finest insurance at the fairest price!

Why choose Travel Guardian Insurance?

We make it simple to get the finest travel coverage plan for your trip. Finding low-cost, high-quality travel insurance can be challenging. Travel Guardian make the process easy and stress-free! Don't make travel insurance a frustrating process — our travel insurance specialists will guide you through the entire process.

We customize our travel insurance plans according to our client's specific requirements.

Travel Guardian Insurance can help you cover the costs of:

Medical expenses if you are injured while travelling or become sick.

Lost baggage or stolen valuables.

Travel disruption if your trip is cancelled, delayed or interrupted by events beyond your control (such as natural disasters).

Rescheduling expenses if you have to change your travel plans.

What do we offer?

Our competitive advantage is our wide product range, which offers the cheapest travel insurance rates to provide the best travel insurance coverage. We have you covered if you go outside your native province or country, visit Canada, or seek a customized healthcare plan. Our services for travel insurance include:

Canadians Travelling

Travelling to Canada

Individual Health Plans

If you are ready to be insured, you can receive a live quotation and fill everything online in just a few steps. Alternatively, you may talk to our specialists, who can help you find the best coverage at the lowest price.

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Travel insurance

For your next summer vacation or winter escape, let us find you the best prices for your travel needs fast! Whether it’s a week in the tropics or a month touring Europe, protect your trip with affordable travel insurance.

Call now 1-800-731-2228

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Great travel insurance coverage for Ontario residents

We have travel insurance to cover unexpected emergency medical treatments when you travel out of province or out of the country. You’re also covered for lost or stolen luggage, plus added costs if you have to cut your trip short or cancel.

How much is travel insurance? Call us for a quote.

Travel insurance can start as low as $25 per week per person and go up to $300 or more depending on your needs, destination, and level of coverage. As an outlet to over 70 of Canada’s top insurance companies, we have access to some of the best travel insurance coverages and rates.

What does travel insurance cover?

There are a lot of coverage options for travel insurance depending on your specific needs. Here are a few of them:

Trip cancellation

Travel peace of mind. You’re covered for sudden cancellations due to weather, terrorism, illness, injury or other unexpected events.

Medical coverage

Covers medical expenses while away from home, like seeing a doctor, prescription drugs, transport by ambulance,  hospital tests, treatments and stays.

Emergency medical evacuation

Covers costs if you require an emergency medical evacuation to provide you with treatment at a distant hospital, or to get you back home for emergency care.

Trip interruption

If your trip is cut short by something like an illness or hurricane, you’ll be reimbursed for the portion of the trip you missed, plus any extra costs you incur.

Other coverage

Our travel packages can also cover lost baggage, delayed flights and special arrangements and benefits if you should pass away unexpectedly during your trip.

Frequent traveler? Save with an annual plan

If you travel more than a few times a year out of Ontario, it might make sense to get an annual travel insurance plan. This covers everything a single travel policy covers, but costs much less. Ask us for details.

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Good to know: Common questions about travel insurance

Do i need travel insurance if i’m staying in canada.

Yes, it’s a good idea. Coverage for trip cancellation, interruption and baggage are just as relevant for a fishing trip to BC as they are for a week in the Caribbean. Also, OHIP may not fully reimburse certain medical costs incurred in another province, so purchasing travel insurance while remaining in the country makes sense for this reason as well.

Can I buy cancellation insurance if my travel medical is covered through work?

Yes. Travel insurance is sold in a tailored way, so you can choose the coverages you need, and leave the rest.

Does travel insurance cover COVID-19?

Yes and no. In most cases, if you come down with COVID-19 during your trip, as long as you didn’t test positive before you left on your trip and didn’t fly in spite of government travel advisory, expenses related to COVID should be covered.

On the other hand, if you have to cancel your trip or cut it short due to a COVID-19-related travel advisory or border closure, or just because you’re concerned about an outbreak, that’s not covered.

Does travel insurance cover pre-existing conditions?

No. If you have a medical condition that has been documented and you require medical treatment for that condition during your trip, it is not covered. If a pre-existing condition causes you to cancel or interrupt your trip, that is also not covered.

Does insurance pay directly for covered expenses?

Not usually. You will be given a wallet card with phone numbers for different parts of the world. When you become aware that you might need to make a claim, call the appropriate number. Your adjuster can advise you which expenses are covered and which are not. Some expenses can be paid directly to the medical practitioner or service provider. In most cases, you will pay costs up front, keep receipts, then submit a claim for reimbursement.

Why choose Mitch?

As a supermarket and outlet for over 70 of Canada’s best insurance companies, we have almost every kind of insurance you need, at some of the best prices around to boot. You’ll never have to look around to compare coverage and rates again! Want to learn more about Mitch? Check it out!

Read the latest from the Mitch blog

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Pack Travel Insurance for a Great Trip

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​Travel Insurance

Get special member pricing on travel insurance through cumis – a leading insurance solutions provider.

Before you embark on your much-needed vacation, hit the road for a business trip or head across the border for a quick day trip – make sure you have proper medical coverage by purchasing travel insurance. This way, you won’t have to deal with astronomical hospital bills when you travel outside of Canada or even outside Ontario.

Call CUMIS at 1-877-885-2847 for a no obligation quote. Let them know you’re a FirstOntario member to receive preferred pricing.

Features of CUMIS Travel Insurance:

• Up to $10 million in out-of-province coverage for emergency hospital and doctor visits
• Affordable coverage with plans starting as low as $20 per trip
• 24/7 access to multi-lingual emergency travel assistance
• Convenient multi-trip plans ideal for frequent travellers including an eight-day plan
• Exceptional claims service when you need it
• Assistance with lost or stolen travel documents
• Quick and easy application process
• Trip interruption and cancellation plans
• Flight accident and accidental death and dismemberment plans

Eliminate the risk and put your mind at ease with the proper medical coverage while you are away.

Contact CUMIS for a quote

Call 1-877-885-2847 and let them know you’re a FirstOntario member to receive preferred pricing.

This product is underwritten by CUMIS General Insurance Company, a member of The Co-operators group of companies, and administered by Allianz Global Assistance. Allianz Global Assistance is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd.

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Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

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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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

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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• Frequent and spontaneous travelers will likely benefit from annual travel insurance policies.
• Your credit card may come with some travel protections, but it may not be enough.
• When choosing a policy, look at what it covers, not just what's cheapest.

Summer is just a few months away — and if you're planning a vacation this year, the last thing you want is an unexpected event to derail your plans (and cost you hundreds).

Flights get delayed or canceled constantly. Luggage disappears into the ether. Medical emergencies occur in remote destinations. Yet many jetsetters simply cross their fingers and hope for the best rather than prepare for the worst.

That's why, as a financial planner, I believe it's crucial to consider protecting your trips with the right insurance coverage. One option often overlooked, particularly by frequent travelers, is annual travel insurance .

Annual travel insurance covers all your trips within 365 days. Unlike stand-alone travel insurance, which only covers you for a specific trip, an annual policy covers any trips you take within the year.

That's why I tell clients who travel frequently that an annual policy is a good choice for their needs. By opting for an annual plan, you don't have to go through the hassle of booking multiple policies and potentially save money compared to purchasing individual trip coverage. Here's how it works.

What to look for in a policy

While specifics may vary depending on the insurer and plan tier, most include the following key benefits:

• Trip cancellations or interruptions: You may be able to get reimbursed for expenses (even nonrefundable ones!) related to an illness, injury, or natural disaster that forced you to cancel or cut your trip short.
• Emergency medical and dental care: If you fall ill or get injured while traveling, your insurance can help cover the cost of medical treatment.
• Emergency evacuation: In a serious medical emergency or security situation, your policy will arrange and pay for transportation to a hospital or back to your home country.
• Lost, delayed, or damaged baggage: If your luggage is lost, delayed, or damaged during your trip, you can get financial coverage for essential items while you wait for your stuff to be recovered or replaced.
• Trip delays and missed connections: When your travel plans are disrupted due to issues like mechanical problems or severe weather, you may get reimbursement for additional expenses incurred, like meals, lodging, and transportation.

It's important to note that annual travel insurance plans have limitations. Certain high-risk activities, pre-existing medical conditions, and travel to specific regions may be restricted or require additional coverage.

Some travelers may assume that their credit card's built-in travel protections are enough. While many travel rewards credit cards offer perks like rental car insurance, trip cancellation, and baggage reimbursement, the coverage limits are often much lower than a dedicated annual travel insurance plan.

Credit card coverage for emergency medical care is also particularly limited — capped at a few thousand dollars — which may not be enough in the face of a major international medical emergency.

How much travel justifies an annual plan?

For the occasional traveler who takes one or two trips a year, single-trip policies will probably work for you. But if you fall into any of these buckets, you may want to consider an annual policy:

• Regular international travelers (three or more trips abroad yearly)
• Road warriors frequently away for work
• Adventurers engaging in high-risk activities like heli-skiing, scuba diving, or mountain climbing
• Cruisers and tour group travelers
• Students or retirees taking extended trips throughout the year
• Those visiting developing countries with limited medical care

Annual plans cover all of your trips within a 365-day period after purchasing. They're basically a bundle of multiple policies into one package deal. This means you only have to buy one policy to manage, locking in your coverage for the year.

How to decide if an annual policy makes sense for you

Start by reviewing your travel plans this year — and your risk tolerance. Calculate how much buying individual travel insurance policies would cost you over the next year and compare it to the price of an annual plan.

Don't just focus on the premium — carefully evaluate coverage limits, exclusions, and deductibles to ensure you have enough protection for your needs.

An annual policy gives you the flexibility to take spontaneous trips without the hassle of obtaining last-minute insurance. More importantly, it provides peace of mind, knowing that you're covered for a wide range of travel disruptions and emergencies.

As the busy summer travel season ramps up, definitely explore protecting your trips with insurance, especially if you're jetting off internationally. Spending hours on the phone trying to rebook canceled flights or worrying about affording an overseas medical emergency is no way to vacation.

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