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Join nearly 20 million travelers on the world's highest-rated travel planner app for trip and itinerary organization! TRAVEL ITINERARY As soon as you book a flight, hotel, rental car or other travel plan, simply forward it to [email protected] and we’ll automatically add it to your comprehensive itinerary. Seamlessly sync travel plans to your calendar or share them with anyone you choose. RESERVATION DETAILS No more frantically searching through your inbox for important details about your travel plans, like when your flight gets in or the confirmation number for your hotel. Find them in a flash with TripIt — even when you’re offline. Access this information hands-free with Siri shortcuts! Upload PDFs, photos, boarding passes, digital passport QR codes and more to your travel itinerary, so you can track everything in one place. MAPS AND DIRECTIONS The TripIt app includes all the map-related tools you’ll need on-the-go (it’s great for road trips). - Plot out your entire trip on Google Maps or Apple Maps - Quickly pull up transportation options and driving directions between two points (powered by Rome2Rio) - Easily locate the closest restaurants, parking, ATMs and more TRIPIT PRO For roughly the price of checking your bags, upgrade to TripIt Pro to access exclusive travel perks all year long. When you upgrade, TripIt Pro will do all this for you (and more!): • Share real-time flight status alerts and check in reminders • Notify you if you're eligible for a refund if your fare price drops after booking • Track your reward programs and alert you if points are expiring • Navigate you through the airport with interactive maps • Keep you informed when a potential disruption may impact your trip Your iTunes account will be charged when the purchase is confirmed. Your TripIt Pro subscription will be good for 1 year, and automatically renew each year at $48.99 unless you turn off auto-renew at least 24 hours before your term ends. To manage your subscription, including auto-renew, visit iTunes Account Settings. FREE TRIPIT PRO FOR SAP CONCUR USERS If your company uses SAP Concur, you may receive complimentary TripIt Pro benefits that most travelers have to pay for. Make sure you’re connected to TripIt to get itineraries created for you as soon as you book, and receive a complimentary subscription to TripIt Pro, if you’re eligible. For more information, see the TripIt User Agreement (https://www.tripit.com/uhp/userAgreement) and Privacy Policy (https://www.tripit.com/uhp/privacyPolicy).

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• Introducing our newest TripIt Pro feature, Risk Alerts! Get proactive alerts about events that have the potential to disrupt your trip, so you can modify your itinerary if needed and still enjoy your trip. Alerts may cover inclement weather, unplanned airport closures, protests or strikes, public health events, and more. Enable these push notifications by toggling “Risks and Disruptions” to “On” within Settings.

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Top 3 of all apps. All time. Ever.

Since I started using this app, I have travelled 1,482,337 miles. I LOVE this app. I travel a lot for work (and holidays) and being able to email my booking confirmations, private and work and have them all in one place is fantastic. It changed my travel routine. Rather then show up with a folder of different printed confirmations, it’s all laid out in one place. My wife and I share our itineraries and it’s great for family trips where we book different parts. Its like I have a brilliant assistant with programming knowledge. Just bring a battery pack for your phone after a long flight :-) I try hundreds of apps each year but after many years using this app it is still the most useful thing on my phone after the calendar and mail app. Seriously, I have emailed booking confirmations as PDF’s, word docs, email etc from some really funky airlines and it’s rarely missed a beat. My only suggestion to the developers to improve on perfection might be to tie in with one of the flight map apps so I can see on the plane which country I am flying over. Those guys have nothing like the capability you do, so a tie in could be cool. Thanks again for all the travel hassle you guys saved!

Favorite App

I travel often both for business and with my big family. This has been a game changer. Not to have to print out anything and have everything in order with added details on telephone numbers, weather, directions links. besides the ease of just forwarding play tickets, car rentals, hotel and flights, it takes a cruise itinerary and put some in the correct day saying where you’re going and when you get off to the ports and when you have to be back on the ship etc. So excellent. A side benefit I found now that I’ve been using it for 10 years is I have a whole travel journal right here in the app. Can look up previous hotels, miscellaneous companies used for transportation and whatever. Request for the developers: when I have a listing of flights etc. (particularly for more than one person), the apps at-a-glance screen does not have the name listed. So you have to go into that plan and scroll down and Click under passengers and in that page it’ll show you who the reservation is for. It would be much more convenient to have the name on the first or second line for a quick reference.

I adore TripIt - Sharing Trips with others needs work

I adore TripIt — I’ve been using it In some form or another since way back in 2008 - yikes I’m old! It really is effective in getting itinerary into one app and then integration into my device’s calendar is also great! I really like the auto import via a gmail account (usually the app has been focused on flying but I’m thrilled that the train itineraries are a bit better - especially Amtrak) I will say one area that really needs to be streamlined is sharing plans with non-TripIt users. In the app there are a few options, all of them not great. In the app, sharing a plan results in a mumbojumbo of unformatted texts, the iMessage feature doesn’t seem to be accessible to non TripIt users although they can see the thumbnail. I know inner circle can see plans but I think there needs to be a more streamlined process. What I do when sharing plans as a work around? I simply screenshot and message. Perhaps that’s all that needed in a future update! Anyway like the product some areas could’ve streamlined but this is definitely one of top three apps I use for travel!

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I’ve Been to Every Country in the World—Here’s How It Made Me Wiser

T he world is made up of 193 countries, and I have visited them all. I believe that adventure begins where the familiar ends—a city you’re visiting for the first time, a path you’ve never followed before, a mountain you’ve never climbed, a country whose language you don’t speak and whose traditions you don’t know. And there’s nothing like the curiosity mingled with surprise and wonder that results from these new experiences.

As I was working on a book about traveling to all these countries , I started reliving some of my journeys. At one point, I had to stop writing because I became overwhelmed by the memories flooding back to me. After so many years of intense travel, I realized just how many adventures I had lived, how many beautiful places I had seen and how many wonderful people I had met. There I was, sitting behind my laptop with goosebumps all over my arms and tears of thankfulness in my eyes. After having been on the move for so long, it was time for reflection.

One of the most fundamental lessons I’ve learned? The importance of sharing. And that’s exactly what I’m going to do here. Most people aren’t able to travel as extensively as I have, but I can take them on a virtual tour of sorts and give them a little glimpse into the wisdom I’ve gained through my travels. Here are 10 of the most important things I’ve learned on my travels—about the world and the people living in it, including myself.

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Get rid of your prejudices

Even if you haven’t been to a place, chances are you’ve heard or read stories about it. The challenge of the traveler is to leave preconceived notions behind and arrive with a fresh, open mind. Then you will be able to see the place for what it really is instead of looking for confirmations of stereotypes.

I dreaded going to Mogadishu, Somalia, but I knew if I wanted to achieve my goal of visiting every country in the world, I would have to go there. I also knew the country had been unstable for several decades, with regular attacks wreaking havoc on innocent people. When I arrived at Mogadishu airport, I was embraced by my guide. We toured the city, and he showed me the destruction that civil war had caused and the ruins of what once had been beautiful Italian buildings. I was invited for a chat and tea by men in the street. I played football with a few guys on the city beach.

While looking for the old mosque of the city, one of the oldest in Africa, I asked a few older men under a tree where to find it. It turned out to be around the corner, but it was closed. They sent a small boy to find the imam who ran it, and he proudly showed me his mosque. He was visibly touched by my effort to visit this historic temple.

Yes, I was escorted by four armed guards during my trip, and yes, I saw a lot of destruction, as well as refugees living in dire conditions. But I also felt welcome, and I felt the incredible energy of resilient people eager to build a better future. When I left, I realized that my image of the country had greatly changed.

Listen to your heart

When we have to make a decision, we generally weigh our options in a logical way. While it is good to listen to our brains, it is equally important to take our gut feelings into account. In my travels, I have often chosen to do something because my intuition told me to do it, not because it seemed like the best decision in a rational way. These situations have involved choices where courage was required, like quitting a well-paying job in a promising IT career to travel or setting my goal to visit every country on Earth, even though my government told me to stay away from some of them. While people close to me didn’t understand my decisions, these choices were among the best I ever made, and they changed my life for the better.

Lead with kindness and humor

Traveling, by definition, means meeting people from different backgrounds and cultures. You inevitably meet people who do and say things you would never do or say yourself, and on the flip side, people in the country you’re visiting might not be used to foreigners or know how to deal with them. They might have a preconception about you , the stranger. (See above about stereotypes!)

The key is to arrive with an open mind. Be kind and modest, smile and try to connect with the people you’re dealing with. By being human and accessible, most people will open up to you, and you’ll likely receive kindness in return. If the opportunity presents itself, try to make an innocent joke—laughter is a universal icebreaker.

When I arrived at a checkpoint in the middle of the Cameroonian jungle (in Africa) on the back of a motorbike, an officer stopped me. I’d had my share of greedy officials fishing for bribes and was tired of it. Still, I shook hands and asked what he wanted. He started by saying that I should pay money if I wanted to proceed. I pointed at the dusty motorbike I was driving, my worn backpack and then my skin, and said, "You are assuming I am rich because I have white skin … but would a rich person really travel like this?” He laughed, shook my hand again, gave me a pat on my shoulder and wished me a safe trip.

Embrace the similarities

We live in an incredibly diverse world. Even in my own small country (the Netherlands), there are quite a few dialects. Of course, these differences are precisely what makes travel so fascinating. But I have come to realize that we are much more similar than we think. We all want to be healthy, we all want the best for our kids and we all want to have good meals. At the end of the day, no matter where we’re from, we are all humans sharing the same planet.

It is surprising how many people complain about the weather. And the traffic. Whether you are in New York, Lagos, Bangkok or almost any other big city, people think their traffic is the worst in the world. I’m convinced that if we would look for the things we have in common, we would have a better understanding of one another.

Be grateful

On all my travels, I prefer to take it slow. I take public transportation where possible. I often explore cities and the countryside walking or on a bicycle. I eat at local restaurants, and I sleep in modest, local accommodations. This immersion guarantees a better understanding of the life locals live. It also means that I get to meet a lot of people, and there is no better way to begin to grasp a country than to listen to its inhabitants.

One of the things that has struck me most is that even in the poorest countries, people make the best of their lives. They work very hard to make ends meet, hoping for a better life for their children, even when the odds are stacked against them. Rather than complain, they do their best. As a result, I have come to appreciate my life and what I have. It doesn’t make sense to complain. If something isn’t right, you can decide to improve it, fight it or forget about it.

This lesson has also made me see the beauty in small things . I still get thrilled when I witness a spectacular sunset, a brilliant rainbow or a ray of sunlight seeping through gaps between enormous clouds. There is so much to be grateful for, and if you acknowledge it, it brings a lot of positivity into your life.

Be generous, and share what you can

One of the things that touches me most on my travels is how people welcome me to their country. People have gone out of their way to help me, invited me to their homes, made sure I was safe, gave me a drink and prepared food for me. Over the years, I’ve realized that those who have less often share more.

When I was traveling in Sudan, Africa, on a local bus with my travel partner, I noticed an old woman and her son. It was obvious that they were poor from the ragged clothes they wore and the bag they carried, which was full of holes. The woman did not seem to see much, and one of her son’s feet was distorted, and he had trouble walking.

Whenever we stopped, we helped them get out and back onto the bus. Unfortunately, we couldn’t talk to them more than a few words. We felt sympathy for them and were considering what we could give them before we reached our destination. Then, unexpectedly, the bus stopped, and they got off. It all went too fast, and we didn't manage to give them anything. When we reached our destination and went to pay our fare, the driver told us that it had already been paid. It turned out that the frail mother had given him the money for our fares when she got off with her son. We looked at each other, tears welling up in our eyes.

These many acts of generosity have made me a more generous person too. Giving not only makes the receiver happy—it also makes you feel good.

Travel sustainably

A rapidly increasing number of people have the means to travel, and more destinations are within reach of potentially millions of visitors. In many ways, this is good. Travel can lead to mutual understanding and a deeper sense of international awareness. However, I’ve been noticing more and more lately how the influx of tourism can have a negative impact on local communities—for example, through pollution and rising prices—and the area on a social and cultural level. Moreover, tourist money often doesn’t go to the local economy but to big international brands (think: hotels, tour operators, cruise companies and the like).

Last year, I visited the traditional Gerewol Festival in Niger, Africa, where young people from nomadic tribes hope to find a future spouse. I saw foreigners poke their big lenses into kids’ faces without bothering to ask and fly drones in the middle of the event to capture the image of young men all painted for the occasion, just to have the best shot. It made me feel awful, like the tourists thought they were in a zoo looking at animals instead of respectfully watching the nomads perform their age-old traditions.

I am convinced that in order to keep travel attractive in the long run for both travelers and host countries alike, measures will have to be taken. Some popular destinations are already trying to limit the number of visitors. But I hope people will become more conscious and book their next trip with local operators, as well as think of the impact their journeys will have on the places they are visiting—not to mention be respectful of the people they encounter.

Know who to trust

One of the main concerns when you travel is whether or not you can trust strangers. How do you know if they will stick to their word? Travel quickly teaches you what to look for in a person. It teaches you to listen carefully to what someone says and how they say it, and to listen to your intuition. Trusting your intuition is one of the most helpful things you can do in travel (and life, in general).

When I was 19, I set out on my very first solo trip. I traveled by train through Western Europe, crossed the Mediterranean and ended up in Morocco. There, I was besieged by young men who claimed to want to practice English. I ignored them. I had traveled around three continents with my parents and thought I was an experienced traveler. Ah, the innocent overestimation of youngsters! The guys continued to follow me until I gave in. Over the next few days, they took me out for tea, for walks through Tanger, for talks about the things young guys talk about. They invited me to a traditional party in their village. And then, suddenly, they asked me how many drugs I wanted to buy. None, I told them. They turned aggressive, claiming I had wasted their time and that I had to pay them compensation for it.

I managed to negotiate the amount down, but when I left, I felt empty. They had broken my trust, and I considered that unforgivable. It took a while before I trusted people again. It also taught me to listen and look carefully, to stand my ground and to walk out of situations that didn’t feel good. Nothing like this ever happened to me again. I still want to trust strangers, but I will always hold a healthy dose of skepticism.

Enjoy life now

When I was 23 years old, I lived in Lomé, Togo (Africa), for two months. After a while, I started feeling weaker and weaker, and one morning, I couldn’t get my head off my pillow. I vaguely realized that people carried me to a car and put me in the back seat, and a little later, I was lying on a bed in a small clinic. I felt a minor shot of pain in my index finger. Faraway voices were talking excitedly, and one word that came back several times was palu . I couldn't have cared less about the name of whatever was tearing me down, and I didn’t care if I ever woke up again—I just wanted to surrender to the deepest sleep ever.

Miraculously, a few days later, I walked out of the clinic. The doctors told me they had never seen a more severe case of malaria ( palu in French) and that they would not have been able to save me if I had arrived a few hours later. It took me several months to fully recover.

This was one of the defining moments in my life. I realized that even though I was young and fit, life was very fragile. You can’t take anything for granted, and you simply don’t know how long you will be on our beautiful planet. This realization instilled a kind of urgency in me—a deep desire to enjoy life, explore the world and make the most out of it. Knowing that I have lived my life fully gives me some peace of mind whenever I undertake a risky journey.

Invest in experiences instead of things

“Are you a millionaire?” “How do you pay for all your travel?” These are a couple of the questions I regularly get. While travel doesn’t have to cost a fortune (it largely depends on how, and where, you travel), I certainly have spent a good amount of money on it over the years. But it was money well spent. I can look back on so many fantastic memories, have learned so much from so many people and have been thrilled, awed and blown away by so many places. This is something that no one can ever take away from me—and it’s something I will cherish for the rest of my life.

I would wholeheartedly advise anyone to invest in experiences. They will enrich your life in a purer, deeper and longer-lasting way than any new gadget, car or anything else ever will.

Boris Kester is an author, fearless adventurer, polyglot, avid sportsman, programmer and political scientist. He is one of about 250 people worldwide to have traveled to every country in the world. According to the authoritative travel site NomadMania.com, Boris ranks among the best-traveled people on the planet. He is the author of The Long Road to Cullaville: Stories from My Travels to Every Country in the World . He shares his travel photos and stories on TravelAdventures.org . Learn more at BorisKester.com .

The post I’ve Been to Every Country in the World—Here’s How It Made Me Wiser appeared first on Reader's Digest .

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TravelLocal merges with trip.me to create global online marketplace for tailor-made travel

TravelLocal , has announced that it has merged with Berlin-based trip.me, and raised additional funding from existing growth investors. The merger creates significant online marketplaces for tailor-made travel, with a strong presence in English-language and German-language markets. Given the anticipated boom in demand after the pandemic both management teams and their investors see a once-in-a-generation opportunity in the tie-up, bringing together two of the leading teams in the industry and significant market share.

Both TravelLocal and trip.me share an innovative model. They connect a global clientele directly with handpicked, trusted local travel experts based in nearly 100 countries worldwide. This combines the benefits of human advice from local experts, the convenience of booking online and full consumer financial protection. This results in a more sustainable way to create personalised holidays – with more money remaining in the local economy.

The merged business will continue to focus on tailor-made private itineraries, primarily in the long and mid-haul segments. This part of the travel market grew strongly pre-Covid, boosted by appetite for authentic, experiential travel.

TravelLocal merge raises an additional £2.5 million

Together with the merger, they have raised a £2.5 million Series A extension , with Active Partners (investor in Soho House, Leon, Secret Cinema and Rapha) and Gresham House Ventures (investor in Pho, Crew Clothing, Vinoteca). It will help fuel the business’ growth as the sector rebounds following the pandemic and brings the total raised by the combined entities to £13 million to date.

Commenting on the merger, Tom Stapleton, CEO, says: “Covid is accelerating an epochal change in the travel industry. Ethical and sustainable travel that contributes substantially and directly into local economies is at the forefront of global consumer trends now. This merger combines the strength of two of the most significant pioneers in this area at the perfect time.”

Matthias Woppman, Co-founder of trip.me comments: “The combination of TravelLocal and trip.me is a powerful one, really opening up international growth potential and significantly expanding our destination coverage and supply. We can see signs of recovery now and look forward to accelerating into the rebound of travel.”

Shona Wright

Shona covers all things editorial at TechSPARK. She publishes news articles, interviews and features about our fantastic tech and digital ecosystem, working with startups and scaleups to spread the word about the cool things they're up to.

She also oversees TechSPARK's social media, sharing the latest updates on everything from investment news to green tech meetups and inspirational stories.

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My Girlfriend Has a Special Request for My Multimillionaire Uncle. It’s Making Me Really Uncomfortable.

I’m tempted to cancel everything..

Pay Dirt is Slate’s money advice column.  Have a question?  Send it to Athena and Kristin here .  (It’s anonymous!)

Dear Pay Dirt,

I grew up with my mother in pretty modest means while my uncle was a multimillionaire. My cousins had all the perks like private school and brand-new cars when they turned 16. (My first was a scrapped-up old Honda.) My mother and I were always invited on their trips so I have been to Australia and Europe many times. However, it wasn’t something we could afford on our own so I was very grateful to my uncle.

My girlfriend grew up even poorer than me and never even left the state until last year. My uncle offered the use of his new beach house to us, but it requires a plane trip. My girlfriend wants to go but is upset that my uncle didn’t spring to pay for everything like he did when I was a kid. I reminded her that we were both adults and that he didn’t have to offer anything at all. She accused me of acting condescending and holding all of my travels over her head. I am not going to ask my uncle and I resent the expectation that I should. It will just require some budgeting since we are doing pretty OK right now. How do I deal with my girlfriend? I am tempted to just cancel altogether.

—Beach Business

Dear Beach Business,

It’s unacceptable for your girlfriend to pressure you to ask your uncle to pay for this trip. I get that the wealth disparity might be frustrating and demoralizing. But the bottom line is that you are uncomfortable asking for a free trip, and she should respect that. This is especially true considering you can both afford it with a little budgeting.

There’s certainly a case for canceling, because if you do go on this trip, there’s a good chance she’ll be resentful that she had to pay for it. If you cave and ask your uncle, you’ll be resentful that you were pushed to do something you didn’t want to do.

But before it comes to that, try having a level-headed conversation about it. Start by listening to what upsets her about the situation—and not just in a flippant way where you hear her concerns just to get them out of the way. Then, set your boundary and keep it simple. “I’m not going to ask my uncle to pay for our flight because it makes me uncomfortable.” The discomfort is reason enough, but you can talk more about why it makes you uncomfortable and how you feel about it. Maybe you can offer something else. (You certainly don’t have to, but it might make this easier.) Can you help her come up with a budget? Order takeout less and cook her dinner at home? Once you’ve set this boundary, give her a chance to weigh in about how she feels about it. If she feels like you’re being condescending, talk to her about that. She might be dealing with some deep insecurities about her past, so talking through them could show her that, even if you’re drawing a line, you still care. She might have some lingering feelings she needs to process about the situation—and that’s OK, as long as she doesn’t try to keep forcing you to do something you’re not comfortable with.

If she still insists that you ask your uncle and refuses to take no for an answer, then it might be worth canceling the trip or taking a trip elsewhere. Hopefully, though, you can both work it out because listening and respect are crucial to a functioning relationship. This could be a good opportunity to strengthen yours.

I have a relatively low-stakes situation. My wonderful husband and I are generally on the same page about money. It won’t sound like that by the time you finish reading this, but it really is true. We agree before big purchases, and while he has a few things he purchases personally for his fun hobby, it’s nothing extreme (my personal expenditures are primarily charitable donations and household/decor items). For context, I make almost double his salary and contribute 60 percent to our joint expenses while he covers the remaining 40 percent. We both take work seriously and work very hard.

My issue is how flippant my husband can be in ways both big and small about money. He talks a lot about the importance of saving and how “every penny counts,” but he doesn’t act like it. For instance, I am the one who saves cereal bags and scraps of plastic to reuse as dog poop bags, who carefully conserves the sliver of bar soap to stick on the new bar of soap, who uses the pea-sized amount of toothpaste recommended, who uses dish soap conservatively…you get the idea. My husband will only use store-bought poop bags, would happily toss soap once it gets thin, and goes through toothpaste and soap in bulk (think several pumps of soap for one plate).

This crops up in bigger ways too. For instance, we recently needed to buy a new gardening shed. We had calls with the sales rep that indicated the cost would be X amount, but when it came time to pay, it was $1,000 more than expected. My husband just said we should pay it and it was fine. I refused, did more research, and found a comparable option that fit our original budget. We also have a part-time roommate that my husband constantly whines about, even though she’s great, barely here, low maintenance, and gives us $700 a month in rent. But my husband would happily give up this (amazing) rental situation, despite the extra income, because he occasionally feels mildly inconvenienced.

We don’t fight about this. I make the occasional jokey comment at times to point out the absurdity. But it’s not like he’s out trying to buy boats or gamble. Still, his flippant attitude toward money sometimes drives me nuts. I know the small stuff is just pennies, but it’s frustrating to hear him say things like, “Every little bit counts” when that is so clearly not how he lives. On top of it all, I often feel he ought to know better. I grew up comfortably middle class and never had to worry about money. My husband grew up poor, in his words, and has no family financial support. I’ve read articles from the perspective of people who grew up in tough times and how they do all the same money-saving things I do. But it’s bizarrely the opposite in our case. And since I have five times the savings he has and make so much more money than him, I sometimes resent his flippant, “Let’s just spend the money” mentality, because his savings are minimal, and it wouldn’t take long before it’d really be my money we’re actually spending. So what gives?! Why am I the frugal one? Any way I can talk to him about this?

—Rich Kid Mentality

Dear Rich Kid,

The stakes might be low, but resentment has a way of turning molehills into mountains. As you said, you and your husband are on the same page about the financial decisions you make together—big purchases, spending on hobbies, and so on. But you’re on two very different pages when it comes to your attitudes about money. That kind of disconnect, while seemingly small, can lead to some big problems down the road. At least for you, it’s already leading to some uncomfortable feelings.

The good news is, it’s relatively simple to get to the bottom of this. You both just need to hash out the ideas you each have about money—and because categorizing ourselves can make things even easier, financial psychologist Brad Klontz created a system: the money script . Klontz coined this term to describe the unconscious attitudes and beliefs about money that drive our financial behaviors. He puts these scripts into four buckets: money vigilance (when you’re super careful with your money); money status (when you believe money equals power or social standing); money avoidance (you don’t want to deal with money at all); and money worship (you believe money will solve all your problems).

Your husband grew up poor, but that doesn’t automatically mean he’s going to be money vigilant. If money was a source of pain for him as a child—if his parents fought about it a lot for example—he might be money avoidant as an adult. It’s not fair to expect him to carry a certain belief because of his modest background.

Go over these scripts together and see where you both land. A question that can help jumpstart the conversation: What is your earliest memory about money? The answer can start a larger discussion about each of your financial fears, values, beliefs, and opinions. Like you said, you’re already in a good place about your spending and budget. Knowing where you both stand on the emotional side of money will help you work through any potential budgeting issues with empathy and understanding. I don’t promise that your husband will squeeze every last drop out of the toothpaste tube (and you shouldn’t expect him to), but this conversation is a good starting point to learn and respect each other’s financial values.

I racked up around $15,000 in credit card debt through my 20s living in one of the most expensive cities in the country—bouncing around different jobs and apartments while I “found myself” and also using credit cards to pay for medical expenses and vets for my pets. I’m now in my 30s, have had a stable job for the past five years, and have about $60,000 in restricted stock units (RSU) sitting in an investment account. I’m super unfamiliar with how to navigate investments, and my question is whether I should sell some of my stocks to pay off the credit cards. On one hand, I’m paying a couple of hundred dollars a month on the credit cards to cover the minimum payments. But on the other hand, my company’s stock is kind of low at the moment so I worry that if I cash out now, I could miss out on potential upside if I wait it out for the stock to go up. I’m generally a very risk-averse person, and just even thinking about this gives me anxiety, so I kind of want to cash out to just not have to think about this. But I need some guidance—please help!

—Credit or Cash Out?

Dear Credit or Cash,

Assuming your vesting period is over and you do indeed own the stock, there’s a strong case to be made for selling some of your restricted stock units to pay off your debt. You’re right—it’s not ideal to sell low. But if it means getting out of credit card debt, the numbers probably make sense. As a rule of thumb, most money experts recommend prioritizing debt payoff when the interest rate on that debt is above about five or six percent. I’m guessing your credit cards are well over that amount.

If you’re only paying the minimum payment on your cards every month, that means you’re accruing more and more interest on your debt each month. Essentially, you’re paying to be in debt, and the amount you pay is getting higher as time goes on. Yes, your stocks are theoretically earning a return over time, and you could sell higher later, but there’s a good chance that whatever return they earn is much less than the interest you’ll end up paying on your credit cards. I don’t know your credit card interest rate, but it’s likely much higher than the rate of return on those stocks. If your credit card has an interest rate of 24 percent ( the current U.S. average ), your investments will need to be earning 24 percent to cover the cost of interest. Again, it’s unlikely that’s the case.

If you want, you could just do the math: Plug your debt into a credit card interest calculator to see how much you’ll pay in interest over time. Then compare it to your stocks. Plug that $15,000 for example, into a compound interest calculator to see how big of a return that amount would earn over the same period of time it would take for you to pay back the debt. You’ll likely find that the credit card interest kind of eats into those earnings.

All that said, there are complicated rules for restricted stock units and tax implications for withdrawing from investment accounts—the tax you have to pay when you cash out your investments would also be something to consider. Talk to a certified financial planner . There’s a good chance they’ll urge you to sell to pay off your debt, but they can also look at the specifics of your situation to ensure you’re making the best possible choice. And if you do sell, it’ll be smart to have a CFP on hand to help walk you through the process.

How do you split finances when one partner chooses to take a step back? My fiancé started a business after a layoff. It’s been six months of business development and now that it’s launched, it doesn’t seem like a big earner (he’s made one sale). He can’t explain the realistic earning potential here past, “It’s an untapped market with unlimited earnings” (I promise this isn’t an MLM). I don’t understand the market and I don’t feel as confident as he does about the business’s potential. We got engaged between the layoff and the business starting. We’ve always split expenses 50/50 (when he was salaried, he made 1.5 times what I did) but that doesn’t feel right to me in a marriage. We’re supposed to be a team! I don’t love the idea of him taking his foot off the gas, employment-wise, and I essentially become the sole provider for someone choosing to take a big risk over a dependable, salaried job. We are not having children, so there isn’t a future where he provides and I tend to babies. How do we navigate this?

—Not-So-Supportive Partner

Dear Not-So-Supportive Partner,

I’m curious why you expected 50/50 from yourself (when you weren’t the one with a higher salary) but not your fiancé. That might be a leading question and outside of the scope of your concern, but it’s something to think about. You seem uncomfortable funding this business venture. Yes, he experienced a setback, but it sounds like his income is going to be uncertain for the time being. Couples navigate these types of ventures in different ways, and for some, that means one person becomes the sole provider until the business grows. You’ll have to decide if you’re OK with that, and if you are, it would be useful for you both to come up with ground rules. That way, your fiancé knows what to expect for his business planning, and you don’t get resentful.

Decide on a split that you feel comfortable with and that’s also realistic for him financially. Then put a time frame on the business. How much longer are you willing to wait before it earns enough for him to pay a larger share? He earned almost twice as much as you did—was he saving for an emergency during that time? Perhaps that fund could help pay for some of those expenses.

My concern here is that you might be holding yourself to a higher financial standard than your partner. Yes, he’s going through a career pivot, and that can be incredibly tough. Just make sure to give yourself the same leeway.

Classic Prudie

I play the violin, and my boyfriend plays piano. We were supposed to play at my sister’s wedding, but two weeks before the event, I went running in the park, fell, and fractured my arm. I was near my sister’s house at the time and called to ask her to take me to the ER. She was very upset and concerned about how this would affect the wedding. She scolded me for being so careless. I was in a lot of pain and started crying.

• Discount Codes

Maggie Rogers – ‘Don’t Forget Me’ review: wistful road trip record acts as a sonic reboot

The Maryland artist's musical journey since her viral breakout moment has been frantic. On this stripped-back third album, she sounds confident in where she's headed next.

Perhaps the one constant tying together each era of American pop is its tendency to find inspiration from the country’s highways . Lying steadily as the nation around them drastically evolves, they’ve simultaneously existed as veins tying states together and a muse for artists seeking romantic metaphors for freedom, idealism and escape. On ‘America’, Simon & Garfunkel hitchhiked and gazed longingly out of bus windows in search of the nation’s identity, while Bruce Springsteen has felt the urge the open road since birth. It’s a uniquely American notion — after all, few have been compelled to write odes to the M25 (although Olivia Dean did give it a go ). So, when delving into her most introspective songwriting yet, it makes sense that Maggie Rogers, like those before her, has turned to their sweltering tarmac and the lonesome desert landscapes that frame them for guidance.

Having first found acclaim through 2016’s ‘Alaska’ — introduced to the world through a viral clip now embedded into internet lore — Rogers’ career thus far has often felt like a grappling to establish her sound. Her debut, 2019’s ‘Heard It In A Past Life’ chronicled her struggle to adjust to newfound fame and blended tasteful Euro dance music with her lifelong fondness for folk; it’s follow-up, 2022’s ‘Surrender’ , marked an urgent, heavier evolution, adopting elements of alternative rock to capture the claustrophobia and chaos of New York City.

‘Don’t Forget Me’, then, offers an insight into the direction Rogers’ may have gone in had ‘Alaska’ not plunged her into an intense virality that expected her to replicate the track’s poppier principles. While her debut drew criticism for over-production , ‘Don’t Forget Me’ shines in its simplicity, with Ian Fitchuk (Kacey Musgraves, Stephen Sanchez) as the sole collaborator. Here, through a whole-hearted embrace of the folk, country and Western that underscored her upbringing, Rogers’ seems more at home than ever.

Yet, ‘Don’t Forget Me’ exists as a meticulously crafted homage to the road trip. Rogers attended sessions with a very specific aesthetic moodboard: endeavouring to capture the beauty of ephemeral moments with the same fervour as the grainy Linda McCartney photographs that documented ‘60s pop. Perhaps it’s why she deals so heavily in the finer details, with clothing a key lyrical motif. ‘The Kill’ recalls a lover through the scraps of discarded clothing they left in a hasty exit and ‘Never Going Home’ has flashbacks in the form of a “jacket the same colour as the seats in your car ”.

Crucially, though, it’s a record that doesn’t take itself too seriously. ‘So Sick Of Dreaming’ is a celebration of singledom indebted to Shania Twain , both sonically and lyrically ( “So you think you’re on the right track/Cruising on the bridge in your grey Cadillac” , she sings with an audible smile). The song’s climax is a sex in the city-esque anecdote of being stood up at a steak restaurant by a date who went to see the Knicks instead. They lost, by the way, she’s sure to declare via a crackly voice note.

Written and recorded over five days in chronological order, the sequencing lends itself to the format of a road trip — so much so that at times it seems ready to soundtrack an inevitable Thelma & Louise reboot. There’s the relentless energy to begin (‘Drunk’), existential conversion (‘If Now Was Then’) and sing along anthems (‘On & On & On’ and ‘Never Going Home’) that collapse into quietness following too many miles (‘I Still Do’).

It’s why the final track ‘Don’t Forget Me’ is all the more poignant, conjuring the bittersweet feeling of reaching a familiar destination after a long drive. As the promises of the open road dissolve into familiarity, it’s a return to real life and a final acceptance of the inevitability of endings. Having spent a record collating memories with the urgency of someone trying to capture flecks of light disappearing in the rearview mirror, it’s a moment of vulnerability from Rogers that reveals her desire to be remembered with the same importance – and one that that assures she will be.

• Release date:  April 12, 2024
• Record label:  Capitol Records
• Related Topics
• Maggie Rogers

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Watch CBS News

Earthquake snarls air and train travel in the New York City area

By Megan Cerullo

Edited By Aimee Picchi

Updated on: April 5, 2024 / 4:36 PM EDT / CBS News

An  earthquake  centered in New Jersey and felt across the New York City region on Friday disrupted air and rail travel, with ground stoppages at airports in the New York City area and delays in train service. 

Travel operations were momentarily halted Friday morning with ground stoppages at John F. Kennedy International Airport in Queens and at Newark Liberty International Airport in Newark, New Jersey, with crews working to resume normal air traffic operations. By early afternoon, the ground stoppage at JFK had been lifted. 

Arriving and departing flights in Newark also resumed in the afternoon, but delays averaged roughly two hours,  according  to the Federal Aviation Administration. 

The earthquake, which occurred roughly 10:20 a.m. Eastern time, had either a 4.7 or 4.8 magnitude and was centered near Whitehouse Station, New Jersey, 40 miles west of New York City,  according to the United States Geological Survey.

Newark airport is experiencing average departure delays of 43 minutes, according to flight tracking website FlightAware. Inbound aircraft that are already airborne are delayed by about an hour. Inbound flights that have not yet taken off are being held until 12:30 p.m., according to the site.  

Flights in and out of LaGuardia airport in Queens were also delayed, likely in order for airport staff to check for damage to the airport and runways and clear away any debris. 

The ground stoppages and delays are not expected to last long. 

Additionally, New Jersey Transit said it's experiencing up to 20-minute delays across its entire rail service system, in both directions. NJ Transit said it's inspecting a bridge for damage to ensure train travel is safe. 

—CBS News' Kris Van Cleave contributed reporting.

Megan Cerullo is a New York-based reporter for CBS MoneyWatch covering small business, workplace, health care, consumer spending and personal finance topics. She regularly appears on CBS News Streaming to discuss her reporting.

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I've traveled to 9 out of 10 countries in Southeast Asia. Here are the 5 biggest mistakes I made along the way.

• I've traveled solo to nine countries in Southeast Asia.
• I've made many mistakes, from traveling during monsoon season to forgetting to bring enough cash.
• Travelers should make sure they plan ahead and research each country's culture.

Over the last two years, my journey as a travel enthusiast and Business Insider's travel reporter in Singapore has brought me to almost every country in Southeast Asia.

In total, there are 10 countries in Southeast Asia , and I've traveled to nine of them — Singapore, Philippines, Malaysia, Vietnam, Thailand, Indonesia, Cambodia, Laos, and Brunei. Myanmar remains the only country in the region I have not visited, and while I am keen to explore it, I have held off on visiting because of the country's ongoing civil war.

I've watched the sun rise in Angkor Wat in Cambodia and cared for elephants in Chiang Mai, Thailand. I've explored the Bornean jungle in Brunei and crawled the Cu Chi Tunnels in southern Vietnam.

But it hasn't always been easy. I've made several mistakes traveling across the region , especially as a solo traveler. Here are five mistakes I made and how to avoid them.

1. Going during monsoon season and not planning for the weather.

In July, I traveled to Thailand on a reporting trip to cover the budding cannabis industry . There, I was met with heavy rain nearly every day. In Bangkok, I was staying in a hostel in Chakkrawat , a district with narrow, meandering streets, which made it difficult to walk anywhere in the pouring rain.

I didn't plan for the weather, so I didn't have an umbrella or poncho with me and had to rush to get one at the last minute. I also had a packed itinerary with a lot of travel between meetings, which was a hassle in the constant downpour.

Before traveling to Southeast Asia, make sure to avoid two seasons — the monsoon season, which often comes with strong typhoons in countries like the Philippines, and the burning season, where farmers burn land for fertile soil. This is a common occurrence in countries like Laos, Thailand, and the island of Borneo, which is shared between Brunei, Indonesia, and Malaysia.

When I traveled to Laos in April last year during the burning season , most of my plans — including a hot air balloon ride — were canceled because of the thick smog. I also didn't have an N95 mask with me, and I ended up with a sore throat.

If you do plan to come during these seasons, make sure to pack accordingly and plan a flexible schedule.

2. Traveling during Ramadan and expecting the same practices everywhere.

Having grown up in Singapore, I'm familiar with the practices during Ramadan , the holy month for Muslims, where they fast for most of the day. I studied Malay for seven years, and in school, I often fasted with my Muslim classmates and ate only in private.

Still, in many cities in Singapore, Malaysia, and Indonesia , non-Muslims are free to dine in public, so long as they do so respectfully. But on my trip to Brunei in April — at the height of the burning season and in the middle of Ramadan — there were more practices I needed to observe.

Most restaurants were closed, and diners weren't allowed to eat there even if they were open — only take-out was allowed. Eating in public was a major faux pas even for non-Muslims, and if you want to drink some water, you can only do so when nobody is around.

It wasn't easy, especially as Brunei was sweltering at 100 degrees Fahrenheit on some days. I made do by returning to the hotel for lunch and grabbing a big dinner with the locals at the night market after they had broken their fast.

3. Not packing enough modest outfits when visiting temples and mosques.

Southeast Asia is pretty liberal, and you can wear whatever you want in many places. In popular destinations like Phuket, Thailand, and Bali, Indonesia, lots of tourists walk around in bikini tops and shorts, and locals mostly tolerate it.

But there are certain places you do need to cover up, like places of worship, which include temples and mosques. When I visited Angkor Wat — the famed temple complex in Cambodia — in February last year, I found some tourists being told off by the local tour guides for wearing shorts and tank tops — "Tomb Raider" style.

I've learned to err on the right side of caution and bring a sarong wherever I go. It's an easy way to cover up and make an outfit more modest when you need to.

4. Forgetting to pack medication, especially when I plan to eat street food.

Southeast Asia has some of the world's most flavorful food. In every country, you can find food that is cheap and delicious, and that includes Singapore , the world's most expensive city. In countries like Malaysia and Vietnam, street food dishes can cost as little as a dollar.

I eat mostly street food when I travel in Southeast Asia, so medicine for tummy-related illnesses is a must. I've only gotten sick twice from eating street food — and it was the same dish both times— and unfortunately, those were the few times I didn't have medicine with me.

I'm a pretty adventurous eater. I've eaten everything from pufferfish stew to frog porridge and dishes made with intestines off the street. I've learned to wash the utensils provided before digging in and make sure the food is cooked to order and heated up before being served.

5. Relying on my card and not bringing enough cash with me.

In Singapore, I don't really use cash and often use Apple Pay, mobile payments, and cards. But I've found that many stores in other countries in Southeast Asia only accept cash.

For example, on my third trip to Vietnam, I spent an hour trying to make payment via bank transfer after the staff at a luxury perfume shop — which was selling items priced upwards of $200 — informed me at the last minute that they didn't accept card or contactless payment.

I've also found the majority of street vendors in the region only accept mobile payment — which is limited to local banks — or cash. I've learned to change a considerable amount of money before leaving the airport and keep whatever I didn't use for my next trip.

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

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

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

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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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