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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, travel insurance with no excess.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

What is travel insurance excess?

Most insurance policies include an excess, whether it’s insurance for your holiday, your car or your dog. This is an amount that you’d have to pay when you make a claim. For example, if you had a crash in your car and the cost of repairs was £1,000, and you had an excess of £100, you’d pay £100 and your insurance would pay the other £900.

Our travel insurance policies include an excess as standard, but we give you the option to remove it* when you buy your policy. Removing the excess increases the price of your policy a little (usually only by a few pounds) but it means you won’t have to pay us anything if you make a claim. So the £1,000 repairs we spoke about earlier, would be completely covered by the insurance and you wouldn’t pay a penny. Easy, really!

* Make sure you check the policy  terms and conditions , as there are some cases where an excess would still apply

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

• Best overall
• Best for trip cancellation
• Best for reputation

How we reviewed cheap travel insurance

Best cheap travel insurance of april 2024.

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

In an ever-evolving world, emergency medical and evacuation travel insurance coverage is essential, especially if you're traveling internationally. However, sports equipment coverage, pet protection, and cancel for any reason coverage are among the increasingly popular coverage options that are changing the way we travel. We've gathered the best cheap travel insurance plans to help you protect your trip while on a budget.

Compare affordable travel insurance

Best overall: hth worldwide.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reasonable premiums
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR coverage available with some plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical emergency and evacuation coverage
• con icon Two crossed lines that form an 'X'. Special coverages for pets, sports equipment, etc not available
• con icon Two crossed lines that form an 'X'. Limited reviews with complaints about claims not being paid
• Trip cancellation of up to $5,000 with the Economy plan and up to $50,000 with the Preferred plan
• Cancel for any reason insurance and missed connection insurance available with the Preferred plan
• Baggage delay insurance starting after 24 or 12 hours depending on the plan

The HTH Worldwide Travel Insurance Economy plan offers the most comprehensive coverage across major categories of all the providers in this guide.

You'll have some peace of mind with up to $75,000 of financial protection for eligible medical emergencies, and up to $500,000 per person for medical evacuation costs. For more everyday expenses, you can also relax with baggage loss and delay, trip interruption, cancellation and delay coverage that will help you recoup many, if not all, of your costs.

However, this plan falls short on missed connection benefits and accidental death coverage, both of which are not available under most circumstances (missed connection coverage only applies to cruises, and will only cover up to $500 per person after a three-hour delay).

Read our HTH Worldwide Travel Insurance review here.

Best for trip cancellation: GoReady

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a CFAR upgrade add-on on certain plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Comprehensive insurance plans include generous coverage for baggage loss, plus protection from hurricane and other intense weather-related issues
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive pricing
• con icon Two crossed lines that form an 'X'. Online complaints about claims not being paid and non-responsiveness
• con icon Two crossed lines that form an 'X'. Not all more expensive plans include CFAR coverage
• con icon Two crossed lines that form an 'X'. Dropping rating with AM Best
• Annual and multi-trip plans available
• All plans include pandemic coverage for COVID-19
• Coverage for weather-related delays, cancellations and other incidents

The GoReady travel insurance Trip Cancellation Plan is exactly that: a cost-effective plan that offers protection in the event that your trip is canceled for a covered reason. The plan we priced out for our hypothetical trip cost just 1.16% of our total travel expenses — a very small amount of money to pay for the guarantee of our money back in the right circumstances.

The benefit is that this plan can supplement other coverage you already have, or give you a little bit of protection for a trip where you might not otherwise have opted for insurance altogether. On the downside, you won't get any protection for medical emergencies, trip interruption or delays or lost bags from this plan.

Read our GoReady Travel Insurance review here.

Best value: Nationwide

• Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
• con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
• con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer

Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

• Cancel for any reason coverage available

Nationwide Travel Insurance  is a well-rounded alternative to HTH Worldwide Trip Protector Economy. This plan offers solid protection for both travel-related snafus as well as situations that might call for emergency medical and evacuation, making it a good choice for trips where you have cause to worry about potential interruptions or delays. However, it does not offer protection for missed connections or accidental death.

Read our Nationwide Travel Insurance review here

Best for reputation: Trawick

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Useful for adventurous travelers headed to higher-risk destinations
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable plans with varying levels of coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. 10-day free look option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage loss replacement policy
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage kicks in after just six hours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some policies allow a CFAR add-on
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million medical evacuation coverage limit
• con icon Two crossed lines that form an 'X'. Baggage and trip delay coverages don’t kick in until after the 12-hour mark
• con icon Two crossed lines that form an 'X'. International student policies available for temporary stints abroad
• con icon Two crossed lines that form an 'X'. Complaints about claims not being paid or involving an intermediary to resolve claims

Trawick International travel insurance offers plans customized to diverse travelers' needs. We look at coverage options, claims processing, pricing, and other important factors for savvy travelers.

• Travel medical insurance
• Trip protection and cancellation
• International student insurance
• Visitor medical insurance (for traveling to the US)

The Trawick International Travel Insurance Safe Travels Explorer plan has been purchased by more than 36,000 travelers since 2020, and it has great reviews to boot. And no wonder: Trawick offers generous trip delay coverage of up to $2,000 per person, although hopefully you won't need to reach that reimbursement amount because the daily limit is $150.

You'll also be able to rely on a $200 reimbursement per person for lost baggage - one of the higher amounts amongst these affordable plans, although this amount pales in comparison to the baggage loss coverage offered through the best travel credit cards .

Read our Trawick Travel Insurance review here.

Types of Affordable Travel Insurance

Comprehensive coverage.

This type of insurance offers extensive protection, covering everything from medical issues to trip cancellations. While it's more expensive up front, it can save you a lot in the long run.

Medical-Only Coverage

As the name suggests, this policy focuses solely on medical emergencies, making it a cost-effective option for travelers who are primarily concerned about health-related expenses.

Evacuation and Repatriation

In extreme cases where you need to be evacuated due to a medical emergency or a natural disaster, this coverage ensures that you can return home safely without incurring huge costs.

Benefits of Opting for Cheap Travel Insurance

Cost savings.

Cheap travel insurance can significantly reduce your travel expenses, ensuring that you're not overpaying for coverage you might not need.

Adequate Coverage for Less

Just because it's cheap doesn't mean it's lacking. Many affordable policies offer substantial coverage, giving you peace of mind without breaking the bank.

How to Pick The Best Cheap Travel Insurance Plan for You

No single travel insurance plan will meet the needs of every single traveler. By nature, we are diverse and evolving meaning travel insurance should be equally so. Travel insurance for a week-long trip to a big city shouldn't be the same as the coverage for a backpacking expedition in the mountains. A splurge to purchase comprehensive insurance coverage may also be worth it for international ventures or other large expenditures.

In most cases, the cost difference between a basic and comprehensive travel insurance plan isn't as significant as you might think. Regardless, it's generally a good idea to choose a trusted travel insurance provider known for exceptional customer service and coverage. (For this roundup, we looked at traveler reviews shared through the travel agency SquareMouth .)

• Assessing Your Travel Needs: Consider the nature of your trip, the destination, and your own personal needs when choosing a policy. This ensures that you're not over-insured or underinsured.
• Comparing Different Policies: Don't settle for the first policy you find. Compare different options, looking at their coverage and prices, to find the best fit for your budget and needs.
• Reading the Fine Print: Always read the terms and conditions carefully to understand what's covered, what's not, and the process for making a claim.

To determine the best insurance plan for travelers on a budget, we evaluated dozens of products using a hypothetical trip to Australia for a single traveler, age 26, with a total cost of $2,500 for flight, hotel and other incidentals. We then compiled the plans that covered the essentials at the lowest costs.

Of note: All of these plans include COVID-related medical coverage and 24-hour assistance, and pay at least 100% of your trip cost for eligible trip cancellations. None include rental car coverage.

The seven winning plans cost between $29 to $74 — significantly below the typical cost of comprehensive travel insurance, which can range between 4%-8% of total travel expenses, according to the US Travel Insurance Association. But these affordable plans also come with comparably low ceilings for various aspects of coverage such as emergency medical, trip cancellation, or delay — and do not include rental car or "cancel for any reason" (CFAR) protection. So if you think you might need these benefits, it may well be worth upgrading to a comprehensive travel insurance plan for a few more dollars, just for the peace of mind.

Convenience and Flexibility

Each of the plans in this list include 24-hour assistance worldwide from reputable insurance providers. And despite being on the lower end of insurance plans, each of these options includes refunds for up to 100% of your total trip cost for eligible reasons. Each of these plans also includes medical coverage for COVID-related issues that may arise during your travels, which may come in handy as the pandemic continues to evolve worldwide.

Sufficient Coverage in Essential Categories

The cheapest travel insurance plan will rarely cover every scenario that could go awry on your trip. However, each of these plans can at least help you get your money back in the event that your travel is canceled for an eligible reason, and most of them include financial protection if you incur emergency medical bills while traveling. We also factor in what travelers are most concerned about now. 

You can read more about how Business Insider rates insurance here.

If you just want trip cancellation protection, go with the GoReady Trip Cancellation Plan. For more robust coverage that won't break the bank, consider HTH Worldwide's TripProtector Economy, Trawick's Safe Travels Explorer, or Nationwide's Essentials plan.

Yes, many affordable policies offer comprehensive coverage suitable for international travel. It's crucial to compare policies and understand your needs.

Travelers insurance is relatively cheap because it only covers you for a set period of time, and depending on your plan, the level of coverage you get may not be particularly high. However, even with high coverage limits and extras like cancel for any reason coverage , travel insurance is relatively affordable. 

The average cost of travel insurance is 4%-8% of your trip's cost. This usually translates into a premium between $89 to $399.

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

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

**Enrollment required.

• Main content

All our policies include cover for Covid-19 as standard, to help you decide if this cover is suitable for your needs please view our dedicated Covid Page which explains how your cover applies in a number of circumstances.

While we recommend you read our Covid Page to understand in more detail the cover we include as standard the information below provides you with an overview of the core cover.

Cancelling due to Covid: You will be covered if you need to cancel your trip because:

• You or a close relative are diagnosed with or have contracted COVID-19
• You are required to self-isolate, subject to a positive test result/confirmation from a GP
• Someone you were due to travel with or stay with on your trip needs to self-isolate.

Cutting your trip short: You will be covered if you need to cut your trip short because:

• You have been denied boarding at your UK departure point because you have COVID-19 symptoms
• If you need to come home early because a close relative has COVID-19
• The Foreign, Commonwealth & Development Office (FCDO) or other regulatory authority in a country in which you are travelling in advise you to evacuate or return home.

Emergency medical cover for COVID-19: If you develop COVID-19 whilst abroad your policy will cover you for:

• Emergency medical treatment, repatriation and other expenses
• Additional transport and accommodation if you are unable to return home as planned.

Our policies DO NOT require you to be vaccinated against Covid. Please note however that our policies do not offer any cover if you fail to hold the relevant documentation as required by your airline (or other public transport such as a cruise ship or train) or destination country. For example if your destination country requires you to provide either proof of being fully vaccinated or a current negative test certificate and you are denied boarding/entry due to not providing valid documents there is no cover under our policies.

Our policies do not cover the costs of Covid testing or vaccination either prior to, during, or post your trip.

Please note that all cover noted above is subject to terms and conditions.

Cheap Travel insurance that's as unique as you are.

enjoy the world knowing you're covered from only £6.79*

Key policy benefits

Up to £15 million for medical treatment, cover for trip cancellation and returning home, protection for lost, stolen or damaged belongings, single trip and annual policies available.

We are an online specialist and we pass on our efficiencies to you, which allows us to offer some of the cheapest travel insurance policies on the web.

There's no need to sacrifice cover for price as we add more as standard, including 100 sports and activities & £15 million in overseas medical expenses. All direct policies include zero excess. So, how do we compare with other travel insurers? We've put together a list of travel insurance policies so you can compare us against our competitors. At CoverForYou, the only thing we believe in more than transparency is attempting to offer the best value travel insurance in the UK - you can see our comparison page here . You can also see a quick snapshot of how we compare below;

Why choose us

Over 10 million

Working hard to earn your trust

We go above and beyond to provide great quality services:

Working with Trustpilot allows our customers a voice to tell us how we're doing - all genuine CoverForYou customers who have insured with us are offered the chance to review.

The Foreign, Commonwealth and Development Office (FCDO) website provides important information on travel advisories so you can stay safe whilst abroad.

Get started today!

Understand our cover, view our products.

Important Notice: Your policy is sold and administered by Worldwide Internet Insurance Services Limited (trading as CoverForYou) an insurance intermediary licensed in Gibraltar by the Financial Services Commission under Permission Number 5570 (click here to confirm) . This insurance is underwritten by Inter Partner Assistance S.A which is authorised and regulated by the National Bank of Belgium, with a registered head office at Boulevard du Régent 7, 1000 Brussels, Belgium. Authorised by the Prudential Regulation Authority (firm reference number 202664). Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Inter Partner Assistance S.A. UK branch office address is 106-118 Station Road, Redhill, RH1 1PR, Inter Partner Assistance S.A. is part of the AXA Group.

Use of our website is subject to our Terms & Conditions , this includes our Privacy Policy , Cookie Policy , and if you purchase a policy our Transactional E-Mail and SMS Communications Policy .

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What is a no excess travel insurance policy ?

What does a no excess travel insurance policy mean?

A no excess travel insurance policy is simply a policy that does not contain any type of excess or deductible as part of its terms and conditions. This can apply to a single trip insurance policy, an annual or multi-trip insurance policy or any type of specialist travel insurance policy.

What is an excess?

An excess is a fixed cash figure which applies to any claim amount that is paid under the policy to the policyholder. The amount is deducted under the final claim settlement and retained by the insured themselves.

As an example, if a travel insurance policy has an excess of £100, and a claim under the policy is agreed for £1000, the insurance company would pay £900, and the policyholder would retain the other £100, being the amount of the excess.

An excess is also sometimes referred to as a deductible. It is the same thing, deductibles being widely used in health insurance, and many insurance companies refer to trying to keep continuity in terms of the language they use.

What are the benefits of a policy excess

An excess in travel insurance policies, as opposed to deductibles in health insurance and other types of insurance, is normally relatively small in cash terms.

Its main benefit is to insurance companies, as it prevents claims that are small in cash terms, which would be un-economical for them to process, as well as being time-consuming for all parties involved.

The excess on a travel insurance policy, apart from being relatively small and financial terms, is normally a standard fixture of the policy’s terms and conditions.

The excess may apply to any one section of the policy, there may be different exercises for different sections, which may differ in cash terms.

What is the maximum excess on travel insurance?

The maximum excess is simply the largest amount that the excess can be, either for a particular section of the policy or for the policy as a whole.

That can sometimes be complications as to whether a claim should be considered one or more events, but this is unlikely to occur with a standard travel insurance policy.

People may choose to increase the excess on their policy, either for the policy as a whole or for any one particular section of it, in return for a reduced premium for the policy as a whole.

What is a no excess travel insurance policy?

A no excess travel insurance policy, also sometimes referred to as a travel insurance excess waiver, is a policy where any excess has been specifically deleted from the policy’s terms and conditions, by way of a special endorsement.

This means that if any claim is agreed upon under the policy, then the amount will be paid in full with no deduction to be retained by the policyholder.

Insurance companies will normally charge more as a premium for the policy if this excess waiver is included in it.

Some companies make a point of having special plans that don’t include an excess, but again they will be more costly than the standard travel insurance policy.

Other types of travel insurance policy excesses

Most types of excess in policies are financial, but they can be time-based as well. This means that there is a waiting period of a certain number of days before specific benefits of the policy can be paid, once the policy has been taken out.

The other type of excess used in insurance policies is what is known as a franchise. This is rare in travel insurance policies but can be found in certain types of specialist areas.

A franchise is a fixed cash amount where the limit has to be reached for any claim can be paid, but once the limit has been reached any amount is paid in full.

As an example, if a policy has a franchise or £500, then any claim beneath that amount will not be paid at all, but any claim over £500 will be paid in full with no deduction as would happen with a normal excess.

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• Safety & Insurance

What Is Excess In Travel Insurance

Published: December 18, 2023

Modified: December 28, 2023

by Kalie Scofield

• Sustainability

Introduction

Travel insurance is a crucial aspect of trip planning, offering financial protection and peace of mind in the face of unexpected events. However, understanding the various components of travel insurance, such as excess, is essential for making informed decisions when purchasing a policy. In this comprehensive guide, we will delve into the concept of excess in travel insurance, exploring its significance, functionality, and implications for travelers.

Excess, often referred to as a deductible in other insurance contexts, is a fundamental feature of travel insurance policies. It represents the portion of a claim that the policyholder is responsible for covering out of pocket. While the concept of excess may seem straightforward, its nuances and impact on insurance coverage merit a closer examination.

By gaining a deeper understanding of excess in travel insurance, travelers can navigate the intricacies of policy terms and conditions with confidence, ensuring that they select a plan that aligns with their unique needs and preferences. Throughout this article, we will unravel the intricacies of excess, shedding light on its mechanics, advantages, and potential drawbacks. Additionally, we will provide practical tips for effectively managing excess within the context of travel insurance, empowering travelers to make informed and strategic decisions when safeguarding their journeys.

Join us on this insightful journey as we demystify the concept of excess in travel insurance, equipping you with the knowledge and insights needed to optimize your insurance coverage and embark on your travels with confidence.

Understanding Excess in Travel Insurance

Excess in travel insurance represents the amount of money that a policyholder must contribute towards a claim before the insurance coverage comes into effect. It serves as a form of self-insurance, requiring travelers to share a portion of the financial risk with the insurer. When purchasing a travel insurance policy, individuals can typically choose the level of excess they are comfortable with, balancing higher excess amounts against lower premiums.

It is important to note that excess applies to each separate claim made, meaning that if multiple claims arise from a single incident, the excess will be applicable to each claim. Understanding the implications of excess is essential for travelers, as it directly influences the out-of-pocket expenses they may incur when seeking coverage for unforeseen events during their trips.

Moreover, excess can vary based on the type of claim. For instance, some policies may have different excess amounts for medical expenses, trip cancellations, or baggage loss. This nuanced approach underscores the importance of carefully reviewing policy details to ascertain the specific excess conditions for different claim categories.

By comprehending the role of excess in travel insurance, individuals can make informed decisions when comparing policy options and assessing their risk tolerance. While a higher excess may result in lower premium costs, it also entails a greater financial responsibility in the event of a claim. Conversely, a lower excess may lead to higher premiums but can offer more comprehensive coverage with reduced out-of-pocket expenses at the time of a claim.

As we delve deeper into the mechanics of excess in travel insurance, we will explore how this component interacts with various aspects of insurance coverage, shedding light on its implications for travelers seeking to protect their journeys and mitigate financial risks.

How Excess Works

Understanding how excess works in the context of travel insurance is essential for travelers aiming to grasp the practical implications of this component. When a covered event occurs during a trip, such as medical treatment abroad or the need to cancel travel plans due to unforeseen circumstances, the policyholder is required to pay the excess amount before the insurance coverage takes effect.

For instance, if a travel insurance policy has an excess of $200 and the traveler incurs medical expenses totaling $1,500, the policyholder would be responsible for paying the first $200, with the insurer covering the remaining $1,300. It is important to note that the excess is deducted from the total claim amount, and the insurance coverage applies to the remaining costs, up to the policy’s specified limits and coverage terms.

It is crucial for travelers to be mindful of the excess amount specified in their insurance policies, as this factor directly impacts the financial responsibility they assume when making a claim. By carefully evaluating their risk exposure and financial capabilities, individuals can select an excess level that aligns with their preferences and budget, striking a balance between upfront costs and potential claim expenses.

Furthermore, the application of excess may vary based on the nature of the claim. Different types of incidents, such as trip cancellations, medical emergencies, or baggage loss, may have distinct excess amounts outlined in the policy. This nuanced approach underscores the importance of reviewing policy details to gain clarity on the specific excess conditions for various claim categories.

As we unravel the intricacies of how excess operates within travel insurance, we will delve into real-world scenarios and practical examples to illustrate its impact on travelers and the dynamics of insurance claims. By gaining a comprehensive understanding of how excess functions, individuals can navigate the complexities of travel insurance with confidence, ensuring that they are well-prepared to manage potential claim situations during their journeys.

Pros and Cons of Excess in Travel Insurance

Excess in travel insurance presents both advantages and considerations that travelers should carefully weigh when evaluating insurance policies. By examining the pros and cons of excess, individuals can make informed decisions that align with their unique needs and risk tolerance.

• Lower Premiums: Opting for a travel insurance policy with a higher excess can lead to reduced premium costs, making comprehensive coverage more affordable for travelers, especially those on a budget.
• Customized Coverage: The ability to choose the excess amount allows travelers to tailor their insurance policies to suit their financial preferences and risk tolerance, providing a sense of control over their coverage.
• Financial Flexibility: Incurring a higher excess in the event of a claim may be manageable for individuals with sufficient emergency funds or those willing to absorb a larger portion of the financial risk in exchange for lower ongoing insurance expenses.
• Upfront Costs: A higher excess requires travelers to allocate more funds upfront in the event of a claim, potentially impacting their immediate cash flow during an already stressful situation.
• Risk Exposure: While lower premiums may be appealing, a higher excess places a greater financial burden on the policyholder in the event of a claim, necessitating careful consideration of one’s ability to cover the excess amount when needed.
• Claim Limitations: Depending on the excess amount selected, travelers may find that certain smaller claims fall below the excess threshold, rendering them ineligible for coverage, which could impact the overall value of the insurance policy.

By weighing these factors, travelers can assess the trade-offs associated with excess in travel insurance and make informed choices that align with their financial circumstances and risk management preferences. Understanding the pros and cons of excess empowers individuals to select insurance policies that strike a balance between cost-effectiveness and comprehensive coverage, ensuring that they are adequately protected during their travels.

Tips for Managing Excess in Travel Insurance

Effectively managing excess in travel insurance is essential for travelers seeking to optimize their coverage while balancing financial considerations. By implementing strategic approaches to navigate the nuances of excess, individuals can make informed decisions and mitigate potential financial risks during their journeys.

Tip 1: Evaluate Your Risk Tolerance

Assess your comfort level with assuming financial responsibility in the event of a claim. Consider your ability to cover the excess amount and strike a balance between upfront costs and potential claim expenses based on your risk tolerance and financial circumstances.

Tip 2: Compare Excess Options

When exploring travel insurance policies, compare the excess amounts offered by different providers. Evaluate how varying excess levels impact premium costs and coverage terms to identify a balance that aligns with your preferences and budget.

Tip 3: Consider Your Travel Plans

Take into account the nature of your trip and potential risks associated with your destination. Assess the likelihood of needing to make a claim and tailor the excess amount based on the specific travel scenarios you anticipate.

Tip 4: Review Policy Inclusions

Thoroughly review the policy’s coverage inclusions and exclusions to understand how excess applies to different types of claims. Ensure that the excess amounts align with the potential expenses you may encounter during your travels.

Tip 5: Build an Emergency Fund

Consider setting aside an emergency fund to cover the excess amount in the event of a claim. Having a financial safety net can provide peace of mind and ensure that you are prepared to manage unexpected expenses without undue stress.

Tip 6: Seek Professional Advice

If you are uncertain about the appropriate excess level for your travel insurance, consider consulting with insurance professionals or financial advisors. Their expertise can help you navigate the decision-making process and select a policy that meets your needs.

By implementing these tips, travelers can proactively manage excess in their travel insurance, optimizing their coverage while aligning with their financial capabilities and risk management preferences. Strategic decision-making and thoughtful planning empower individuals to embark on their journeys with confidence, knowing that they are well-prepared to handle unexpected events while safeguarding their financial well-being.

As we conclude our exploration of excess in travel insurance, it becomes evident that this component plays a significant role in shaping the financial dynamics of insurance coverage for travelers. By understanding the intricacies of excess and its implications, individuals can make informed decisions when selecting travel insurance policies, ensuring that they strike a balance between cost-effectiveness and comprehensive protection.

Excess empowers travelers to customize their insurance coverage based on their risk tolerance and financial circumstances. The ability to choose an excess level that aligns with one’s preferences provides a sense of control and flexibility, allowing individuals to manage potential claim situations with confidence.

However, it is crucial for travelers to carefully evaluate the pros and cons of excess, weighing the trade-offs associated with higher or lower excess amounts. By doing so, individuals can align their insurance policies with their unique needs, travel plans, and budgetary considerations, optimizing their coverage while effectively managing financial risks.

Ultimately, the strategic management of excess in travel insurance involves thoughtful planning, thorough policy review, and an awareness of one’s risk exposure. By implementing the tips provided in this guide and seeking professional advice when needed, travelers can navigate the complexities of excess with confidence, ensuring that they are well-prepared to safeguard their journeys and financial well-being.

As you embark on your future travels, may this comprehensive understanding of excess in travel insurance serve as a valuable resource, empowering you to make informed decisions and embark on your journeys with peace of mind and financial security.

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Excess Health Insurance: Why It’s Important If You Get Sick While Traveling

Generally, excess is something we enjoy. Like hot fudge being applied to our turtle cheesecake. Excess insurance? Not so much. Having the right amount of insurance is hassle enough.

Here’s the thing, though: Excess insurance is not a bad thing when it comes to travel medical insurance . In fact, excess travel medical insurance as included in a Generali travel protection plan is something you should definitely consider for your next vacation.

Here’s why:

Primary Health Insurance

First of all, let’s clear up the confusing language. Primary, secondary and excess all refer to the sequence in which different insurance plans pay your medical bills. Excess insurance pays after other primary or secondary insurers have covered their portion.

If you have health insurance through two different entities, like your regular health insurance and a travel plan with health coverage, the primary carrier is the one that pays or reimburses your medical bills first.

This is generally the health insurance you already have for trips to the doctor, surgeries, and so forth. However, travel insurance companies differ in how they designate their medical coverage, primary, secondary or in excess, so check before you buy.

If your health plan is primary, it doesn’t matter if you racked up charges while you were on vacation in Malaysia or Myrtle Beach; the health plan will be sent the bills first and will pay whatever its policy dictates.

That can really differ, depending on who you saw where and for what ailment. If your health plan is very specific to the region where you live, doctors in other parts of the country are likely out-of-network. And most health plans have little or no coverage for health expenses incurred overseas.

The bottom line is that if you rack up medical bills on vacation, your health plan may not pay a large portion of those expenses … but because it’s primary, it gets to make that determination first.

Also read:  Things Most People Get Wrong About Pre-Existing Medical Conditions and Travel Insurance

Excess Health Insurance

At that point, the unpaid portion of your medical bills is passed to the next insurer in the payment sequence – in this case let’s say Generali.

Generali looks at health bills differently from a health insurer. There are some things it doesn’t cover (described fully in the travel insurance documents ); if the plan terms are met and none of the expenses are on that list, Generali may reimburse you up to the limit stated in the policy.

With Generali, there are no deductibles or co-pays, network access fees or in-network/out-of-network differentials.* Medical bills can be paid to the extent of the coverage – which can be substantial. Generali’s Premium plan covers up to $250,000 per person in qualifying medical and dental expenses incurred while traveling.

Those expenses can include:

• Services of physicians and registered nurses
• Hospital charges
• Local ambulance services
• Prescription drugs and medicines

Even better, the coverage also includes expenses for therapeutic services and extends for up to one year from the date you become sick or injured during your trip, in case there are extenuating circumstances or a lengthy recovery back home.

Also read: The surprising connection beween travel and your health

Primary plus excess

You can see that excess insurance in the case of travel health insurance is actually the perfect complement to a standard health plan. Read more about how your health insurance and travel insurance can work together.

Because the two plans have to work in tandem, and because many overseas medical providers demand payment up front, it’s important to contact your primary and excess health insurers if you have a medical emergency while traveling.

After all, you probably aren’t going to know who’s going to cover what in the heat of the moment; you just need treatment. And the medical case managers associated with your travel-insurance carrier are likely going to be more experienced at all facets of international medical care and payment.

They can work with your health plan and medical providers so that you can get the care you need.

Read more about emergency medical assistance

This can be a confusing topic for many travelers. It’s natural to have questions.

You can read more about how Generali covers medical expenses in an article that answers many questions on travel health coverage.

If you still have questions, you can contact Generali customer service directly . You can also download sample plan documents to read the fine print on how medical expenses are covered.

And if all of that sounds good, you can get a travel insurance quote . It’s fast and easy, and there’s no obligation.

Travel Resources

*Details may vary by state. See Plan Documents.

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Best Family Travel Insurance

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

Table of Contents

Travel insurance company factors we considered

An overview of the best travel insurance for families, top options for travel insurance for a family, additional resources for family travel insurance shoppers.

Even the best-laid plans can sometimes go awry. This possibility doubles (or even triples) when traveling with a family, which can mean that purchasing family travel insurance may make sense for you.

This type of insurance will cover you and your loved ones if you miss your flight, your partner gets food poisoning, your children’s bags are lost and more. Here are the best family travel insurance plans and the factors we considered, and tips on choosing the best plan for you.

» Learn more: The best travel credit cards right now

We used the following criteria when choosing which travel insurance companies are best:

Cost . Cost can play a huge factor in choosing a travel insurance plan, especially when you’re traveling with multiple people. We compared costs for basic policies to choose the most affordable options. 

Types of coverage . There is a wide variety of coverage options for insurance , including medical coverage and trip protection benefits. We chose those with the widest range of inclusions. 

Coverage amounts . Many policies offer a variable level of coverage; more expensive policies can include higher policy limits, though this isn’t always the case. 

Customizability . Different travelers have different types of needs, which means that we focused on policies that offer customizability as part of their benefits. 

» Learn more: What does travel insurance cover?

To determine the best travel insurance for a family, we compared the price and benefits across multiple insurance companies for a sample trip taken by a family of three from New Hampshire — a 39-year-old father, 33-year-old mother and 3-year-old child. They are traveling to Germany during the winter and estimate a total trip cost of $12,000.

Overall, the average cost of a plan came out to $257.78, though one plan priced out far below the rest.

Here's a closer look at our top five recommendations for travel insurance for families.

Allianz Travel

What makes Allianz travel insurance great for families:

Family travel medical insurance that includes coverage for pre-existing conditions. 

Customizability includes rental car insurance and Cancel For Any Reason (CFAR) insurance. 

Provides up to $1,000 per person for lost baggage. 

Here’s a snippet from our Allianz Travel insurance review:

“OneTrip Prime provides all the benefits of the Basic plan but with higher limits, a few extra coverage areas and complimentary coverage for children 17 and under when traveling with a parent or grandparent.”

The complimentary coverage is useful, especially for families with multiple kids.

» Learn more: Trip cancellation insurance explained

World Nomads

What makes World Nomads great for families:

Lower-than-average cost. 

Includes adventure sports and activities.

Provides $25,000 non-medical emergency transportation. 

World Nomads is a great fit for particularly adventurous families, as its plans include coverage for over 200 activities. So if you're taking the kids skiing this winter or are planning to backpack the Colorado Trail next summer, this might be a good choice.

» Learn more: Does travel insurance cover award flights?

What makes AXA great for families:

Covers 100% of trip cost for interruption or cancellation for covered reasons. 

Provides $100 per person, per day for trip delay.

Includes $100 in coverage for airline reissue or cancellation fees. 

Having kids invites a lot of unpredictability for trip planning. Will your oldest bring home a virus from day care? Will your baby suddenly enter a difficult sleep regression that renders you exhausted? Having 100% coverage for trip cancellation can bring families peace of mind when putting big trip deposits down.

What makes IMG great for families:

Hundreds of dollars cheaper than the other options. 

$0 deductible for medical insurance. 

Up to $5,000 for trip interruption. 

Here’s a snippet from our IMG review:

“Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important to you if you travel to a remote location or engage in physical activity such as trekking.

More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.”

What makes Tin Leg great:

Lower-than-average cost.

150% reimbursed for trip interruption. 

Customizability, including coverage for pre-existing conditions. 

We like Tin Leg for its affordability. You can pocket the saved cash for more ice cream stops on your trip.

Interested in learning more about travel insurance, including annual family travel insurance and methods to make travel insurance less expensive? Start here.

How to find the right travel insurance for you

How annual or multi-trip travel insurance works

Do you need travel insurance in 2023?

10 credit cards that provide travel insurance

If you’re traveling with family and would like to make sure they’re insured, you can choose to include them in your insurance plan. Most companies will allow you to select the number of travelers in your group when generating a quote.

The definition for immediate family is going to vary based on your insurance provider. Generally speaking, you can expect that your spouse, children, parents, grandparents, in-laws, aunts and uncles all count as immediate family.

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 2023 , including those best for:

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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.

• Home     Policy Wording Explained     What is Excess?

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What is Excess?

Similar to a car or home insurance policy, your travel insurance may also have an excess., an excess is the agreed amount of money you will pay towards a claim on a travel insurance policy and can be referred to as a ‘deductible’. once the excess has been settled your travel insurance provider will then pay the remaining expenses up to the limit of cover. for example, if you submit a claim for £400 and your excess is £100 then the claim payment will be £300., who has to pay an excess.

When making a claim the excess is generally per person unless stated otherwise in your policy wording. You may also find with some travel insurance policies the excess will need to be paid per section and per incident too.

For example, if you lose your jacket with your wallet in it, your claim would be divided into two parts, one under the Personal Possessions section of the policy for the jacket and wallet, and another under the Money section for any cash that might have been in your wallet. One incident, but two sections of the policy involved

Will an excess affect my insurance premium?

When purchasing your travel insurance, we advise you to do your research when it comes to selecting a policy with an excess. Although the cheapest policy may be more appealing, in the event of a claim you could be paying double, even triple the premium in excess costs!

For example, if the cost of the holiday is £450 per person and the excess is set at £250 per person and four people insured on the policy claimed for cancellation, the total claim would be £1800 with an excess to pay of £1000 meaning the claim payment would only be £800. However, if your excess was £100 per person, the claim payment would be a more satisfying £1400.

Granted a policy with lower or no excess may have a higher premium, but spending a few extra pounds now (roughly the equivalent of a round of drinks at the airport) could save you money should the worst happen.

What happens when an additional excess is applied?

Finding the right travel insurance when you have medical conditions can be time consuming and costly. In order to keep the price low, many travel insurance companies will implement a medical excess to be paid in the event of a claim – rather than charging you for a medical condition that is well controlled.

It is important to note any claim related to existing medical conditions, be it cancellation, curtailment or medical treatment, will require the medical excess to be paid – regardless of excess waivers or £0 excess policies.

What is an excess waiver?

Travel insurance is there to protect you from financial loss should the worst happen, but with some excesses set in the hundreds it can be more cost effective to pay the expenses yourself rather than making a claim on your travel insurance.

With this in mind, many policies offer an excess waiver for those who would prefer to pay no excess. For a small additional premium, the policy excess can be set to £0 – giving you peace of mind should you find yourself needing to make a claim on your insurance.

Beware, the cost of an excess waiver is usually per person, therefore, it may be more cost effective to purchase a policy with no excess rather than applying an excess waiver – something worth remembering when purchasing your travel insurance!

How does an excess affect my claims?

Depending on the travel insurer, you will either be required to pay the relevant excess before a claim is paid out or the excess will be deducted from the amount and the remainder paid by the insurer.

In some cases, a travel insurance claim can be rejected due to the excess not being paid so it is worth checking your policy wording to ensure you are aware of when to pay your excess.

Although we have mentioned several providers, please make sure you check the policy wording carefully to ensure the cover is suitable for your individual needs.

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Travel insurance excess

A travel insurance excess is something you need to pay when you make a claim and is typically charged by all providers in australia..

In this guide

How does a travel insurance excess work?

Compare policies by their default excess, compare your travel insurance quotes, types of travel insurance excess, when do you have to pay your excess, travel insurance faqs.

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What you need to know

• A travel insurance excess is the amount you agree to pay an insurer if you make a claim.
• Many brands let you choose an excess anywhere between $0 to $200 (this is the "standard" excess for most policies).
• The higher the excess, the lower your your premium tends to be (e.g. cost of your policy).

A travel insurance excess is the amount you agree to pay an insurer if you end up claiming on your policy. Take for example, a travel insurance policy for a week in Bali. The same policy could cost you $60 with a $200 excess, $72 with a $100 excess or $108 with a $0 excess. As you can see, choosing a higher excess can save quite a bit.

That's the good news. The bad news is that you'd have to pay that amount before you could claim anything. Say you lose your phone that's worth $500 and you have a $200 excess. Once your insurer approves your claim, you'll have to pay the excess amount, which means you'd only get $300 back. Another potential shortfall of this option is for lower value claims, where the claim amount would end up being comparable to that of the payable excess.

Choosing the higher excess option is slightly riskier if you end up needing to claim but if you're just looking to save some coin in the short term, it's not a bad way to go.

When calculating your travel insurance quote , Finder uses the travel insurers default excess option, which means you can sort your results from lowest to highest excess option.

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Note: This information was last updated August 2023

Standard excess

A standard excess is the set amount stipulated by the insurer that you must pay if you make a successful claim.

Voluntary excess

Many insurers will give you an option to select the excess amount on your policy. The price of your premium (policy) will change depending on which excess amount you select. As mentioned earlier, the higher your excess, the cheaper your premium.

Additional excess

This isn't as common but can apply to certain benefits – for example, ski-related claims.

How and when you pay an excess will depend on the policy and the insurer. Some insurers require you to pay the excess upfront before they will pay the claim, while others will simply deduct the amount of the excess and pay out the remainder of the benefit.

Does multiple claims mean multiple excess charges?

Claiming on multiple sections of the policy does not generally mean you will pay multiple excesses. Most of the time you're charged one excess for an event even if you are claiming on multiple benefits.

The same goes if you're claiming on a family policy, even if that event impacts multiple travellers such as both parents and children; you'll only pay the excess once.

Get a free travel insurance quote

What is the excess on a travel policy?

The excess is the amount that you need to pay towards a claim. For example, if you make a claim of $1,000 and the excess is $200, you will receive $800.

Should you get excess on travel insurance?

It's very uncommon for travel insurers to offer a no-excess travel insurance policy, so you will need to pay one in the majority of cases. However, you are often able to lower your excess to $50 or $100. This will increase your premiums but mean you are less out of pocket if you do need to claim.

What should my excess be for travel insurance?

The most common excess charge is around $200. However, some insurers allow you to lower it to around $50 or raise it as high as $500.

How do I reduce my excess?

Our quoting tool automatically applies the default excess given by the insurer. After you've chosen your policy and clicked 'Go to site', you can adjust your excess directly with the travel insurer. If you choose to lower or remove your excess, you'll probably pay more for your premium.

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).

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4 Responses

Hotel in Menorca lost 2 adults 2 children’s passports, insurance company are paying for replacement passports etc but have said our excess is £100 per person. The certificate from travel agents only says excess £100, no policy booklet was given as Thomson’s didn’t have any in stock. I believe it has been mis-sold as I was unaware of excess being per person.

Thanks for reaching out.

I’m sorry to hear about this mishap. I’m afraid we cannot check this information for you as we do not have the insurance details. You may want to contact the insurance company and ask for the policy booklet so you can ascertain the excess charging.

It’s a good idea to always check the features and details of the policy, as well as the relevant Product Disclosure Statement and if necessary, reach out to the insurance company before buying an insurance.

Kind regards, Liezl

I asked Google, “why do we have to pay an excess on our Travel Insurance”. I got this page as an result ( https://www.finder.com.au/travel-insurance-excess ). It explains how an excess works. Any Dip-Stick knows how it works, Derrr. I asked why do we have to pay it. If you insure something. It should replace the total value of what is insured. I accept depreciation. But why do we have to pay an excess. It Google that led me here. Not finder.com.au. So shows you how bright google is. Not very. So why do we have to pay an excess. Seems a SCAM to me. That everyone accepts.

Thanks for your question.

When you buy travel insurance with an excess option, you are assuming a part of the risk on behalf of the insurer in return for a lower premium. There are travel insurance brands out there that offer zero excess options but this means you are paying more upfront. If you wish to check your options, here’s a list of insurers offering excess reduction travel insurance .

I hope this was helpful, Richard

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Excess Waiver Travel Insurance Extension

Buying an insurance policy should give with peace of mind so you can relax in the knowledge that your money and possessions are protected against any unforeseen disasters. However, when disaster strikes, many consumers forget that they may still need to pay an ‘excess’ which is their contribution towards the cost of the claim.

No excess travel insurance

Depending on the level of excess, some people may still be left with a small hole in their pocket, which is why Holidaysafe is proud to offer their customers a range of zero excess travel insurance policies.

Holidaysafe offers a range of policies and levels of cover, which all contain different excess levels. However, if you would rather have nothing to pay in the event of a claim, we offer two options;

• If you’re looking for a Single or Annual Multi Trip policy, we offer a level of cover which has a zero excess as standard. Premier Platinum offers great levels of cover for your holiday plus a nil excess.
• Alternatively, if you would prefer a different type of policy or a lower level of cover, we also offer an Excess Waiver option across our range of policy types and cover levels.

To opt for a zero excess travel insurance policy, simply click our ‘Get a Quote’ button and choose a policy type, for example, Single Trip, you can then choose to add the Excess Waiver at the bottom of the options page during the quote process.

No excess extension availability

Holidaysafe’s Excess Waiver Extension is available for a small additional premium on the following policies;

As well as offering our customers the chance to customise their excess, we also offer the following benefits:

• Featured on the Which? Best Rate tables ☆
• Multiple levels of cover across our range of specialist policies, so you can choose the level of cover to suit your trip and budget.
• UK, Europe and World Wide destinations available.
• Discounts for couples and single-parent families
• Cover for 100 sports and activities as standard, with the option to extend your cover to include many more.
• Clear and concise policy wordings

Get a Quote

• Featured in the Which? Best Rate tables since 2010 ᶤ
• Award-Winning Travel Insurance
• Save 15% Online!*
• FREE and SECURE Customer Area
• Discounts on Couples & Family Policies
• 24/7 Emergency Medical Assistance

Award Winning Travel Insurance

• Finalists - 'Best Travel Insurance Provider' in the 2022 Insurance Choice Awards
• Your Money 'Best Online Travel Insurance Provider' in 2018
• The British Travel Awards' Bronze Place in the 'Best Travel Insurance Provider' Category in 2017
• Moneywise 'Most Trusted Travel Insurance Provider' in 2016
• Moneyfacts ‘Travel Insurance Provider of the Year' 2014 & 2016

☆ The Which? Best Rate feature applies to Holidaysafe’s Premier cover, based on a 24-day Single Trip policy with Worldwide excluding Mexico cover. The table was last updated on Which?’s website on 30/06/2023.

*Please note, Holidaysafe’s online prices automatically include a 15% discount against our Customer Service Centre prices.

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Holidaysafe is a trading name of Travel Insurance Facilities Plc, which is authorised and regulated by the Financial Conduct Authority FRN306537. tifgroup is trading name of Travel Insurance Facilities Plc registered in England No. 3220410. tifgroup; all rights reserved. Registered Office: 1 Tower View, Kings Hill, West Malling, ME19 4UY. All policies offered are on a non-advised basis.

To get a quote please choose one of the following policy types:

Below are the Holidaysafe policy types which offer the Excess Waiver.

Please choose one of the following policy types and remember to add the Excess Waiver on the options page of the quote process.

Alternatively, you can view our complete range of Holidaysafe policies here .

Annual Multi Trip