tailored travel insurance

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9 Best Travel Insurance Companies of April 2024

According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance Companies.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

Travel insurance can help you protect the financial investment you made in your vacation when unexpected issues arise. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.

• Travelex Insurance Services: Best Overall
• Allianz Travel Insurance: Best for Trip Interruptions
• HTH Travel Insurance: Best for Groups
• Tin Leg: Best Cost
• AIG Travel Guard: Best for Families
• Nationwide Insurance: Best for Last-Minute Travel Insurance
• Seven Corners: Best for 24/7 Support When Traveling
• Generali Global Assistance: Best for Medical Emergencies
• Berkshire Hathaway Travel Protection: Best for Specialized Coverage

Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Medical and trip cancellation maximum are not as high as some other companies

• 100% of the insured trip cost for trip cancellation; 150% for trip interruption
• Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
• $750 in missed connection coverage
• $50,000 in emergency medical and dental coverage
• Up to $500,000 in emergency medical evacuation and repatriation coverage

SEE FULL REVIEW »

Annual and multitrip policies are available

Distinguishing between the company's 10 travel insurance plans can be challenging

• Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
• $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
• Up to $1,600 for travel delays
• Emergency medical coverage of up to $75,000
• Epidemic coverage

Generous coverage at the mid- and high-tier levels, and great group discounts

Preexisting conditions coverage is only available at mid- and high-tier plans

• 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
• Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
• Up to $2,000 in coverage for trip delays; $1,000 for missed connections
• $500,000 in coverage per person for sickness and accidents

Variety of plans to choose from, including two budget-friendly policies and several more premium options

More limited coverage for baggage issues than other companies

• 100% trip cancellation protection; 150% trip interruption
• $500 per person for lost, stolen or damaged baggage and personal items
• Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
• $100,000 per person in emergency medical coverage, including issues related to COVID-19

Travel insurance policy coverage is tailored to your specific trip

Information about policy coverage inclusions is not readily available without first obtaining a quote

• Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
• Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
• Up to $1,000 in missed connection and trip delay coverage
• $100,000 in emergency medical coverage

Variety of plans to choose from and coverage available up to a day before you leave on your trip

Limited trip cancellation coverage even at the highest tier

• Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
• $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
• Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
• $150,000 for emergency medical and dental issues

Customer service available 24/7 via text, Whatsapp, email and phone

Cancel for any reason coverage costs extra

• 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost 
• Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
• Trip delay and missed connection coverage worth up to $1,500
• Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)

Generous emergency medical and emergency evacuation coverage

Coverage for those with preexisting conditions is only available on the Premium plan

• 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
• $2,000 in coverage for loss of baggage per person
• $1,000 per person in travel delay and missed connection coverage
• $250,000 in medical and dental coverage per person

In addition to single-trip plans, company offers specific road trip, adventure travel, flight and cruise insurance coverage

Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan

• Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
• $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
• Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
• Medical coverage worth up to $50,000

To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong June 2024 trip to Spain for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.

Travel Insurance Types: Which One Is Right for You?

There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:

COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .

Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.

Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .

International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.

Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .

Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.

Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.

Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.

Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.

You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .

Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.

Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.

Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .

Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express . 

Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.

Frequently Asked Questions

The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.

Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.

However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.

Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or Travelex, but you can also shop and compare policies with a travel insurance platform. Popular options include:

• TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
• InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.

Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .

When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.

Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.

Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.

If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.

Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.

Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.

The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.

You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.

Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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How to Find the Best Travel Insurance

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Table of Contents

What travel insurance covers

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

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

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

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

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

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

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

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

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

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

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

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

Travel insurance costs vary depending on:

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

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

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

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

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

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

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

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

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

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

Travel medical insurance

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

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

International travel insurance

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

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

Trip cancellation, interruption and delay

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

Your own illness.

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

Natural disasters.

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

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

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

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

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

Baggage and personal belongings

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

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

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

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

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

24-hour assistance

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

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

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

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

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

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

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

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

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

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

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

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

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

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

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

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

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

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

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards that offer varying levels of travel insurance coverage for purchases made with the card.

on Chase's website

on American Express' website

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

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

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

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

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

• Travel accident: Up to $500,000.

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

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

• Travel accident: Up to $1 million.

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

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

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

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

Terms apply.

Pros: Coverage is free.

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

Travel agents and travel reservation sites

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

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

Cons: You can’t customize the coverage.

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

Travel insurance comparison sites

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

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

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

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

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

» Learn more: The best travel insurance companies right now

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

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

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

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

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

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

Squaremouth

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

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

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

TravelInsurance.com

Compare plans from 13 providers.

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

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

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

InsureMyTrip

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

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

Includes a link to plans that offer COVID coverage.

Compare plans from 11 providers.

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

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

Compare different insurance plans from 35 providers.

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

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

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

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

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

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

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

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

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

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

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

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

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

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

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

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

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

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

trip cancellation benefits

to get your nonrefundable deposit back.

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

Chase Sapphire Reserve®

The Platinum Card® from American Express

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

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

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

Keep reading

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

What is travel insurance?

How much is travel insurance?

Is travel insurance worth it?

What does travel insurance cover?

Does travel insurance cover COVID?

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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

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

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

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

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

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

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Islands Travel policies has been enhanced to help you stay protected against your future trips being disrupted by Covid-19 or other pandemic issues. Find out more

Notice: Under Section 10 Missed Departure and Section 9 Travel Disruption, there is no cover for any trips arranged or insurance taken out less than 48 hours before the intended outward journey.

Our Travel Insurance Products

We offer a wide range of travel insurance policies,  through our partner Millstream , so we’ve got you covered no matter where you are in the world.

More on Annual Travel Insurance

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Please note we now only provide travel insurance online. Once your quote and payment are complete, you will conveniently receive your paperwork and important information via email and private portal.

Looking for something more specific?

If you want a superior level of coverage we would recommend our Bespoke Annual Policy.

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Wherever you travel, we’ve got you covered

Our comprehensive annual European travel insurance for families starts from as little as £155 and includes great features as standard.

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What you are covered for

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Renewing your policy

We will contact you prior to your renewal date with all the details of your policy cover for the coming year.

Making changes to your policy

Click here to make a change or request.

Cancellation

You can cancel your policy at any time by contacting us .

Islands recognise that Channel Islanders travel more frequently and have designed a market leading policy, incorporating many enhanced benefits tailored purely for Channel Islanders. To enable us to offer this tailored policy, we have partnered with Millstream, a specialist travel provider in the London market. Additionally, for our clients peace of mind, Islands’ new policy is financially backed by Allianz, one of the biggest Insurers in the UK market place today.

Have a question about our travel insurance policies? We may have the answer already. See answers to our most frequently asked questions below.

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We do have Direct Debit facilities. To find out if you are able to pay for your policy by Direct Debit please call one of our Brokers on 01534 835383 (JSY) or 01481 710731 (GSY) or 01481 824100 (ALD), 9am till 5pm Monday to Friday.

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Travel Insurance for your next holiday

Affordable travel insurance for all ages, conditions and destinations .

Travel Insurance is an essential part fo your holiday planning, and it is important to check your policy meets your needs.

Travel Insurance can cover your medical expenses if you’re injured or have an accident while away, and may also cover the cost of getting you home, if it’s a serious injury or you miss your scheduled flight due to a stay in hospital.

You should arrange Travel Insurance as soon as you book a trip, so that you’re covered for any monetary loss if you need to cancel for some unforeseen reason such as illness or death of a family member.

Plus, Travel Insurance will cover your luggage too, if it is lost, stolen or damaged.

At Just Travel Cover we work with a range of providers and will compare prices to help you find a Travel Insurance policy. There’s no age limit and cover for hundreds of pre-existing medical conditions.

Your destination is limitless; we offer cover for world cruises, single trips and our annual multi-trip policy covers you for as many trips as you want to take within 12 months. No matter what your age, we want you to enjoy life and travel wherever and whenever you wish. It is better to be protected against any unforeseen circumstances, even before you take off, it’s important to arrange cover as soon as you have booked your holiday.

Travel Insurance Tailored To You

From a week in the sun to a round the world cruise, we know that every traveller and every holiday is different. That’s why we work with a number of insurers, to help find cover that is tailored to your own needs, whether you’re 18 or 80 and wherever you’re going.

Single Trip

Travel Insurance

Get insured quickly and easily for a one-off trip up to 365 days, starting any time in the next 18 months. Whether you’re planning a staycation, a week in sizzling sunshine or a long stay overseas, our single trip policies have no age limit so make sure you’re protected with the right Travel Insurance . Compare prices from a range of insurers online today.

Annual Multi Trip

If you are planning to travel more than once a year, then taking annual multi trip Travel Insurance could save you money. You can cover yourself or the whole family on an annual policy, so get the flexibility to travel where you want, when you want and as often as you want without worrying about arranging cover every time you go. 

We know it’s not nice to think about something going wrong on your cruise, but that’s what Travel Insurance is for. Get peace of mind while you’re at sea with our specialist cruise cover. You’ll benefit from things like missed port departure, cabin confinement and cruise interruption cover. All ages and pre-existing medical conditions considered.

Pre-existing

Medical Conditions

Did you know the majority of Travel Insurance claims are paid to support people in need of emergency medical treatment abroad and that the average claim is more than £1,300? We work with a number of insurers specialising in cover for hundreds of pre-existing medical conditions so you can travel with peace of mind .

Travel Insurance FAQs

What travel insurance policies do you offer.

At Just Travel Cover, we specialise in Travel Insurance that covers pre-existing medical conditions, with no upper age limit. We work with multiple insurers to provide single trip or annual multi-trip policies, specific cover for cruises and cover for hundreds of pre-existing medical conditions. Enter your details once and compare prices and cover from a range of providers, saving you time shopping around.

Can I travel anywhere with Just Travel Cover’s Insurance policies?

Yes – the world is there to explore, but Travel Insurance is more important than ever. So wherever you’re going on your next holiday, don’t forget your Travel Insurance. Please note you will not be covered for any destination where the FCDO advise against travel, and on some annual policies there are some countries that are excluded.

How much does Travel Insurance cost?

Every insurer’s pricing is different, and is based on a number of factors including your age and medical history, where you’re going and for how long. We will compare prices from multiple insurers and in most cases we’ll show you a bronze, silver and gold option so you can choose the best policy at the right price.

Can I get Travel Insurance if I suffer from a heart condition?

Yes, Just Travel Cover use a panel of specialist insurers to enable us to provide Travel Insurance for virtually all heart conditions, including Travel Insurance after a heart attack. Please declare your condition while filling out our medical screening form online and we will compare a range of insurers to find you the best deal, with cover for your heart condition. For more information take a look at the ‘ Heart Condition ’ section of the website. Please note that some insurers take other factors into account when delivering a price (or opting to not provide cover) – this includes your age, the severity of your heart problems and any other medical conditions you have or have had.

Can you get Travel Insurance if you suffer from diabetes?

If you suffer from diabetes or any pre-existing medical condition, it is important to find Travel Insurance with the right cover, should you need medical treatment while you are away or indeed if you need to cancel due to medical issues. We want you to travel with confidence and at Just Travel Cover we aim to help you get a Travel Insurance policy with cover for your diabetes with our easy-to-follow medical screening process.

Can you get Travel Insurance if you are living with cancer?

At Just Travel Cover, we offer insurance policies that cover those who currently have cancer, those in remission and those with a terminal prognosis. As long as your doctor has given you the all-clear to travel, we will search our market of providers to find a suitable Travel Insurance policy that will protect you against unexpected high medical bills while you are on holiday, and cover for cancellation on medical grounds. I t’s important to note that insurers take other factors into account when delivering a price (or opting to not provide cover) – this includes your age, the type of cancer and any other medical conditions you have or have had.

Can I get Travel Insurance at any age?

Yes, we work with a number of specialist insurers so we can provide Travel Insurance for people of any age. Enter your details online and we’ll only show you prices from those providers that can cover you. We believe that age should not be a barrier to travel, but understand that insurance is a crucial part of the planning process, so whether you’re 18 or 85, you can get a quote with Just Travel Cover (subject to medical screening).

Is there an upper age limit for any of Just Travel Cover’s Travel Insurance policies?

While many insurers have an upper age limit on their Travel Insurance policies, here at Just Travel Cover we can provide annual and single trip cover for all ages. We work with several insurers, many of which do not have an upper age limit. All quotes are subject to medical screening. 

Will Just Travel Cover compare Travel Insurance on my behalf?

Yes, we compare prices from different insurers to help find the Travel Insurance you need for your next holiday. Compare over 48 prices online including bronze, silver and gold options to suit your needs and your pocket.

Can my travel companions who don't have a medical condition be covered on the same Travel Insurance policy?

Yes, it makes sense to cover yourself and your travelling companions on the same travel insurance policy. You will need to declare your own medical conditions by answering our easy medical screening questions, and your companions will need to do the same. If they don’t have any medical conditions to declare, just click continue.

Is the information you collect secure?

Yes, our website collects your personal information using a secure SSL certificate. Information exchanged with any address beginning with https:// is encrypted using SSL before transmission, ensuring complete privacy and security.

How can I find out more about a specific Travel Insurance policy?

If you have a question about any of the travel insurance policies available on our website, please call us on 0800 294 2969 – we will be happy to give you the information you need.

How do I add winter sports cover to my Travel Insurance policy?

You can add winter sports cover to a single trip or annual quote. Once you enter the dates of your trip and declare any pre-existing medical conditions, you will be asked if you want to add any additional Travel Insurance cover. You can add winter sports cover at this point, and all the Travel Insurance prices you are shown will include cover for winter sports.

I'm going on a cruise - how do I make sure I'm covered on my Travel Insurance?

When you get an online quote for Travel Insurance on our website, we will ask you if you are going on a cruise. Please click ‘Yes’, and we will include cruise cover in your selection of quotes.

I live outside the UK, can I get cover?

No, the travel insurance policies we compare are only available to the residents of the UK, Channel Islands, and the Isle of Man.

Travel Insurance for Pre-Existing Medical Conditions FAQs

Frequently asked questions about Travel Insurance for Pre-Existing Medical Conditions .

What is a pre-existing medical condition?

A pre-existing medical condition is usually described as an illness or injury that you had diagnosed before you take out your new Travel Insurance policy. These include things like Asthma, Diabetes and Cancer, as well as anxiety and depression.

Why is Travel Insurance important if you have a pre-Existing Medical condition?

Accidents can happen anywhere, and to anybody, at any time. If they happen when you’re on holiday you may need medical treatment abroad – that’s why people take out Travel Insurance, to cover any unforeseen medical bills. However, if you have a pre-existing medical condition, the type of treatment you need may be more extensive and costly, so you need to make sure your insurance covers these conditions too. That’s where we come in – we specialise in Travel Insurance for people with pre-existing medical conditions – when you get a quote we will ask you a few questions regarding medical history and you will then be able to declare your medical conditions.

What does Pre-existing Medical Travel Insurance cover?

Accidents and emergencies can happen while away from home and medical bills can quickly mount up. Medical Travel Insurance (with cover for your pre-existing conditions) is there to provide peace of mind that if that does happen, the costs will be covered. We work with insurers who specialise in Travel Insurance for pre-existing medical conditions including physical and non-physical conditions, such as heart problems, high blood pressure, cholesterol, diabetes, asthma and anxiety and depression. We offer policies that cover emergency medical and hospital expenses and repatriation (the cost of getting you home) up to £15,000,000. Please note the amount of cover does vary between insurers but this is clearly marked alongside the price.

Does having pre-existing medical conditions affect where I can go?

 We work with multiple insurers with the aim of being able to provide Travel Insurance for people of all ages, wherever you’re going, covering all medical conditions. Always remember there is no cover if you choose to travel to a destination where the FCDO has advised against all, or all but essential travel. Each insurer has different criteria for who and what they will cover, and each quotation is tailored to your individual circumstances – so when you get a quote and declare your medical conditions (along with your destination, trip length, age etc) we will only show you quotes from providers who will provide the cover you need.

Do pre-existing medical conditions affect the cost of my insurance?

Having a pre-existing medical condition doesn’t always make Travel Insurance more expensive – it depends on the severity of the condition. Some low-level medical conditions are covered at no additional cost, it’s just important they are declared should you be hospitalised on holiday – others will carry an additional premium, although this is all calculated behind the scenes and we simply show you the total price to pay. 

Can I get Travel Insurance with a heart condition?

At Just Travel Cover we specialise in Travel Insurance for people with pre-existing medical conditions including those who have suffered heart attacks, had a heart bypass or are living with angina. Declare your heart conditions along with any other medical conditions you have when completing the quotation process and we will present a range of options for you. Each insurer has different limits for medical expenses and excess, but all insurers on our panel will provide cover for heart conditions so you can enjoy your holiday with peace of mind that you’re covered. 

Does Travel Insurance cover diabetes?

Yes, diabetes is probably the most common pre-existing medical condition with more than 5 million people in the UK living with type 1 or type 2. If you need medical care for your diabetes when on holiday this would not be covered unless declared on your Travel Insurance policy.

Is cancer a pre-existing medical condition for Travel Insurance?

Yes, cancer is classed as a pre-existing medical condition and you must declare it whether in remission or not. Getting Travel Insurance when you have had cancer or currently have cancer can be intimidating and expensive, however, it doesn’t have to be. We work with a panel of specialist medical Travel Insurers to provide you with high quality and affordable cover for cancer. These cover terminal prognosis, remission or a specific type, such as breast cancer, prostate cancer, lung cancer, lymphoma and more. Like all Pre-existing Medical conditions, we ask you to follow the online medical screening questions or call us for further support and make sure your GP gives you the all-clear from travel.

How do mental health conditions affect Travel Insurance?

Mental health conditions such as anxiety and depression are classed as pre-existing medical conditions and need to be declared on your Travel Insurance policy. Our Travel Insurance policies provide cover for emergency medical treatment while away or if there is an unforeseeable circumstance, such as having to cancel your trip or cutting it short due to falling ill, for example.

Can I get travel insurance if I have pre-existing Medical conditions?

Here at Just Travel Cover we specialise in Travel Insurance for people with pre-existing medical conditions. The aim of all Travel Insurance is to cover the cost of the unforeseen, such as illness or injury, theft of your belongings, or if you need to cancel your trip or return home early. It’s the same if you have a pre-existing medical condition, but having specific cover will mean you’re covered for the cost of care for your existing condition too. If you do not declare your pre-existing conditions you are unlikely to be covered for any treatment for them, which could lead to hefty medical bills.

Is there an upper age limit on Travel Insurance for Pre-Existing Medical Conditions?

We work with multiple insurers so we can provide policies for people of all ages. Some of the specialist providers we work with have no upper age limit, and when you enter your details we will only show you prices of Travel Insurance providers who can cover you.

Will Just Travel Cover compare insurers on my behalf?

At Just Travel we work with multiple specialist insurers to help find a policy to suit your needs. Typically we will offer you bronze, silver and gold from each insurer you can provide cover. If we cannot provide a quotation due to your medical conditions we will signpost you to a company that we believe can help.

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Tailor-Made travel

• Ways to travel
• Tailor-Made

Build your adventure, your way.

See the world on your terms. Create your own exclusive Intrepid-style trip, step-by-step with us. We plan, you relax. We design, you do.

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Why you'll love intrepid tailor-made.

Our global network of local experts deliver the types of experiences that can’t be Googled. Immersive trips that enable you to explore authentic local culture in a sustainable, experience-rich way. We love the highlights, but the real magic for us happens well away from a beaten path, the real life experiences you won’t find in a search engine.

Fully custom or ready-made itineraries 

Your own personalised journey or adapt one of our pre-designed trips .

Destination specialists

Access the expert local destination knowledge of our travel experts, with support until the end of your trip.

Flexible booking & departures

Our dates or yours – you choose when and where you’d like to begin your trip.

Choose your leader level​

Create an adventure that suits you – from local guides along the way to escorted by a local leader from start to finish.

Choose your style of accommodation

No matter your style, we'll always seek out unique places with great character, location, and comfort.

Choice of inclusions

Number of meals, public or private transport, number of activities, the choice is yours.

Why choose Intrepid Tailor-Made

The travel experts 

We’ve been creating thousands of trips for over 30 years and on every continent, so you can trust we can make your dream adventure a reality.

Local knowledge

With our teams travelling, living and working where we visit, their knowledge is deep, personal and gives you the kind of experiences only locals know.

Responsible travel

You can travel easy knowing every trip has Intrepid’s responsible and local values at its core – giving back to local communities, businesses and the environment.

Putting you first

We’ve rethought how we travel so you can trust that your wellbeing and safety is our top priority, from flexible booking conditions to safety guidelines.

How it works

You've explored our destinations and taster trips for inspiration, so next it's time to tell us all about your travel dreams. It's all about choices – make as few or as many as you like, we're here to help every step of the way.

We’ll match you with one of our specialist consultants, there to guide you through any tricky logistics, offer advice, arrange as many activities as you like, and together tailor the unique local experiences our insider knowledge offers.

We’ll work with our local teams to bring you a day-to-day itinerary with costs for your chosen group. You can then work closely with your specialist consultant to get all those personal details right, before even paying a deposit.

It’s time to turn dreaming into doing. Once you’re happy with your itinerary, lock it in, get your confirmation, and look forward to your unforgettable trip, with support from us from now, right until you return home.

Find your Tailor-Made travel type

Tailor-Made is for anyone that wants to bring any level of custom to their adventure for four or more – but find out more about our popular types of trip below.

Friends & family

Whether you’re celebrating a special occasion with your family or embarking on a special adventure for a group of friends, we can help plan your next trip.  

Independent travel

Prefer to travel without a leader? We can help plan all the stuff in between like transport, accommodation, city tours and local experiences. So you spend more time experiencing and less time planning.

Educational & school groups

From cultural experiences to language immersions, we take learning out of the classroom and into the real world. We can help create flexible & affordable itineraries custom-made to your students’ needs. 

Special interest groups

Create a trip that’s specifically designed for you and your group’s interests. How about a food tour through South East Asia, or an archaeological tour of Egypt? Our Tailor-Made team can make it happen. 

White label, partnerships & affiliates

Want to create and sell your very own itinerary? We’ll help design a trip specific to your interests (yoga retreats, photography tours, you name it), and you promote the trip to your network.

Frequently Asked Questions

Do i have to choose an existing intrepid itinerary.

Not at all. Tailor-Made means you can choose to make a fully custom itinerary with the assistance of our expert specialist consultants or choose one of our 1,000+ existing itineraries to modify to suit your group’s specific needs. This can include upgrading the hotels, slowing down or speeding up the pace or adding a focus like food or physical activity.

Is it more cost-effective to book a Tailor-Made Experience?

This will depend on the destination, the standard of accommodation, the amount of included activities, the itinerary and how many passengers will be traveling with you. Generally, if you were to run a private group trip of 6 or more, the price becomes comparable to our publicly available group trips.

How long does it take to get a pricing proposal?

Our specialist consultants will be able to provide you with an estimated time frame once we've received the details of the kind of Tailor-Made Experience you are looking to create.

What is included in my pricing proposal?

This will depend on your requests, but generally a pricing proposal for a Tailor-Made experience includes a custom itinerary from one of our expert specialist consultants featuring a local leader, transport, accommodation, some meals and some activities and excursions.

What's not included in my pricing proposal?

The pricing proposal for Tailor-Made Experiences does not include the cost of:

• International Flights : We can provide separate pricing for international airfares if departing from the UK or Australia.
• Travel Insurance : We can advise on where to purchase travel insurance. Note if you’re departing from Australia, we can also assist with arranging your travel insurance.

What is the minimum number for a Tailor-Made trip?

We can create a Tailor-Made experience for groups of four or more. Depending on the request, prices become comparable to our public small group adventures with 6 or more. Tailor-Made is also an option with our Adventure Cruising and Polar experiences, but minimum numbers are variable. Please get in touch with a Tailor-Made specialist consultant for more information.

Can you include free of charge spaces for group organizers, hosts, chaperones etc.?

We can include the cost of a free of charge (FOC) spot with any pricing proposal. The cost of this spot will then be averaged out among the paying passengers. Please advise us when requesting a pricing proposal whether you’ll need any FOC spots for your trip.

Can you tailor-make a trip for LGBTQI travellers?

Everyone should feel comfortable when they travel with Intrepid and we know that many of our travellers are part of the LGBTQI community, so we are here to make your trip easy and relaxed. Your specialist consultant is there to listen and work though any concerns, sharing their knowledge of local laws and customs as some destinations we visit have laws that discriminate against LGBTQI people.

How will you look after my safety on a Tailor-Made trip?

Your safety is our top priority, no matter what type of trip you’re on. We have extensive and recently updated Health & Safety Guidelines to ensure you are looked after. Learn more about our safe travels policies here .

What support will I be offered on a Tailor-Made trip?

With Tailor-Made we’re here to help every step of the way, from the specialist consultant who helps you design your itinerary and answers any questions you have, to the local leaders and guides in your chosen destination and the on-ground operations teams there with support until the end of your trip.

What’s the process when I contact you to start creating my Tailor-Made trip?

1. Get to know your Tailor-Made specialist consultant When you call, email or fill out a form online, you’ll be put in touch with a specialist that knows your destination well or is an expert in your area of interest. They’ll be able to guide you through any tricky logistics, offer advice, and arrange as many activities as you like.

2. Get the itinerary priced After we’ve put together an itinerary based on your group’s interests, we’ll get a quote from our local teams on the ground in our Destination Management Company (DMC) offices worldwide.

3. Receive your pricing proposal As soon as we receive costs from our local team, we will send through a detailed day-by-day itinerary with costing for your group size. From here you can request changes or move forward with paying a deposit to request your tour services.

4. Lock it in Once you are happy with the itinerary and ready to go ahead, we’ll need to collect deposits per person along with the full names of the group. Once we have everyone’s deposits on file, our local teams will begin confirming the elements of your trip. This can take 5-7 business days. Once the trip is confirmed, we will send you a confirmation pack, which means that services and prices are locked in.

What our travelers have to say

Tailor-Made Experience in India and  Sri Lanka

“Pleased to report that we had a great trip. Everyone really enjoyed themselves and found the route, destinations, attractions, logistics, accommodation, transport, guides etc to all work out extremely well. So many thanks for organising it all for us.”

Tailor-Made Experience in  Nepal

"Awesome guides, great itinerary, felt like you were getting off the beaten track and I liked that the trip was quite flexible. (The itinerary wasn't set in stone)."

Tailor-Made Experience in Vietnam

Mark & Megan

"This was our first organised tour holiday and it exceeded all our expectations. It was well organised, we were well looked after and thoroughly enjoyed it."

Adventure, Tailor-Made your way

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HOLIDAY TRAVEL INSURANCE

Wrightsure Client Holiday Travel Insurance is available for all passengers travelling on our holidays which is arranged by Wrightsure Services (Hampshire) Limited, underwritten by AWP P&C SA and is administered in the UK by Allianz Global Assistance. Allianz Global Assistance is a trading name of AWP Assistance UK Ltd. AWP P&C SA is duly authorised in France and the United Kingdom and subject to limited regulation by the Prudential Regulation Authority and the Financial Conduct Authority. AWP Assistance UK Ltd and Wrightsure Services (Hampshire) Ltd are authorised and regulated by the Financial Conduct Authority (FCA). Wrightsure Services (Hampshire) Limited is permitted to advise on and arrange general insurance contracts. You can check these details online using the Financial Services Register (accessible from https://register.fca.org.uk) or by contacting the Financial Conduct Authority Consumer Helpline on 0800 1116768.

Should you wish to take out this travel insurance please include the appropriate premium when booking your holiday.

DEMANDS AND NEEDS

This insurance policy will suit the demands and needs of an individual or group (where applicable) who have no excluded medical condition(s), are travelling in countries included within the policy terms and who wish to insure themselves against unforeseen circumstances/events detailed in the cover section below. Subject to the terms, conditions and maximum specified sums insured.

If our chosen insurance provider, Wrightsure Services (Hampshire) Limited are unable to offer you the travel insurance cover you require, or your premium is higher than you expected because you have serious medical conditions, you may be able to get help by accessing the Money and Pensions Service travel directory or by calling 0800 138 777 (lines are open Monday to Friday, 8am to 6pm).

We will not provide you with advice about the suitability of this product for your individual needs but will be happy to provide you with factual information.

We summarise below the details of the insurance cover provided which also includes 24-hour emergency service from

Allianz Global Assistance. The following is a brief summary of the cover available. Full details of cover and exclusions will be forwarded with your confirmation of booking. In any event you may ask for a specimen copy of the policy wording before booking should you wish to examine this in advance.

SUMMARY OF COVER

Please see the policy wording for full details of the cover, limitations and excesses, a specimen copy of which is available upon request., health declaration and health exclusions.

For UK travel only If you are only travelling within the UK, Channel Islands or Isle of Man during your journey, it is a condition of this policy that you can comply with the following:

• You are fit to travel and undertake your planned journey.
• Following any claim investigation, your doctor confirms they would have agreed with or recommended your travel plans when you took out this insurance, booked your journey or at the time you travelled (whichever is later).
• You are not travelling with the purpose of having medical treatment or a consultation.
• You are not awaiting the outcome of any medical tests or an appointment at a medical facility for any medical investigations.

For travel outside of the UK & All Air & Cruise Holidays You will not be covered for any claims arising as a direct or indirect result of an existing medical condition if, in the 12 months before taking out this insurance or booking your journey (whichever is later), you:

• Were referred for tests, investigations, treatment or surgery, or were awaiting the results of any referral
• Attended or were due to attend a hospital or clinic as an outpatient or inpatient;
• Received treatment or saw a medical practitioner for a medical condition; or
• Were prescribed medication.

Unless the condition(s) has (have) been declared to and accepted by us in writing. You should contact the Medical Screening Team by calling 02392 419063 if:

• You need to declare a medical condition
• You are unsure whether a medical condition needs to be declared or not.

The confidential helpline will be able to confirm if cover can be provided for your medical condition(s). If you need to make a claim arising from a medical condition that has not been declared and accepted by us, it is unlikely that your claim will be paid. Each person insured by us would still be covered for any unrelated medical condition(s) and other sections of cover subject to the terms and conditions of this policy.

You will not be covered if:

• Following any claim investigation, your doctor confirms they would not have agreed with or recommended you travel as planned either when you took out this insurance, booked your journey or at the time you travelled (whichever is later).
• You know you will need medical treatment or a consultation at a medical facility during your journey.
• You are travelling specifically for the purpose of having surgery, procedures or hospital treatment, whether medically necessary or not.
• You had been diagnosed with a terminal illness prior to the date you took out this insurance or booked your trip (whichever is later).

If we are unable to cover a medical condition, this will mean that any other person insured by us will not be able to make a claim arising from the medical condition(s). This may even apply if the person with the medical condition(s) purchases cover from another provider.

SIGNIFICANT EXCLUSIONS

Residency .

If you or anyone else named on this policy has not been a resident in the UK for more than 12 months, or if studying or working in the UK for more than 6 months, before the policy was issued, this policy cannot cover you. 

In addition to the above the policy also contains the following main exclusions:

• Any existing medical conditions unless they have been declared to (where appropriate) and accepted by the insurer.
• Your participation in any organised sports or dangerous activities unless they have been declared to and accepted by the   Insurer.
• Suicide, self injury or deliberately putting yourself at risk (unless you are trying to save another person’s life).
• Travel against the advice of the carrier, any other public transport provider, the Foreign Office or the World Health Organisation.
• Any manual work or hazardous occupation undertaken during the insured trip.
• The bankruptcy / liquidation of the tour operator, travel agent or transportation company with whom you have booked your trip.

Examples of these and other conditions and restrictions and what to do if you are unsure about any aspect of an exclusion are contained within your policy information. Full details are contained within your policy information.

How to make a claim

All claims should be made direct to Allianz Global Assistance.

Please visit the website www.azgatravelclaims.com. This will lead you to our online claims notification service where claim forms can be obtained immediately via email or by downloading directly from the site.

Alternatively, please phone and ask for a claim form or write to: Allianz Global Assistance Travel Insurance Claims Department, PO Box 451, Feltham TW13 9EE, telephone 0208 603 9958 or email [email protected]

Protecting your information

We will only use your personal details in line with our Privacy Notice. This can be found on our website or is available in hard copy format upon request and you should read this carefully and contact us immediately if you have any queries. Your personal information includes all of the details you have given us to process your insurance policy (we will not ask for more information than is necessary). We may share your data with Third Parties for the provision and ongoing performance of your insurance policy. Your data may be transferred outside the UK. All of the personal information you supply to us will be handled strictly in accordance with the applicable Data Protection regulations and legislation.

Tailored Travel Limited are an Appointed Representative of Wrightsure Services (Hampshire) Limited who are authorised and regulated by the FCA (their registration number is 311394) and which is permitted to advise on and arrange general insurance contracts. You can check these details online using the Financial Services Register (accessible from www.fca.org.uk ) or be contacting the Financial Conduct Authority Consumer Helpline on 0800 111 6768.

Please download the following PDF for details of our insurance policy: Insurance Policy (PDF - 291kb)

GROUP TRAVEL ORGANISER’S LIABILITY INSURANCE   This Group Travel Organisers’ Liability cover is arranged by Towergate Travel and is underwritten by Touchstone Underwriting on behalf of Caitlin Insurance Company (UK) Limited.   This cover indemnifies the person who is identified to Tailored Travel Limited as the Group Travel Organiser, who arranged the Holiday/Trip and is responsible for its administration and operation directly with Tailored Travel Limited. Please note the definition of Group Travel Organiser does not extend to include professional holiday companies and cover is always subject to the policy terms, conditions, limitations and exclusions.   Indemnity Limit Up to £5,000,000 any one occurrence   Claims Procedure Subject to the terms and conditions contained in the policy, claims shall be notified in writing to: Tailored Travel Limited, 12 Jamaica Road, London SE1 2RN   For full details of the policy cover, conditions and exclusions please contact Towergate Travel on 01932 334 140.

020 7064 4970

[email protected]

12 Jamaica Road

Tailored Travel holds a current ATOL licence. Air holiday packages shown are ATOL protected by the Civil Aviation Authority. Our ATOL number is ATOL 5605.

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• Empower Your Journeys: 5 Tailored Travel Insurance Benefits for Michigan Residents
• January 13, 2024

Embarking on exciting journeys comes with its share of uncertainties, making travel insurance an indispensable companion for Michigan residents seeking seamless and secure adventures. In this guide, we’ll unravel the diverse and tailored travel insurance options designed to provide peace of mind and protection for the discerning travelers of the Great Lakes State.

Discovering the Michigan Travel Landscape

Michigan’s enchantment extends far and wide, weaving a rich tapestry of travel experiences that range from the serene shores of Lake Michigan to the dynamic city life of Detroit. It is within this diverse landscape that Michigan residents find themselves on a journey of exploration, venturing both nearby destinations and far-flung locales. Amidst the allure of discovery, the importance of having the right travel insurance becomes a steadfast companion, ensuring that every adventure is not just a pursuit of excitement but a venture fortified by confidence. This confidence emanates from the knowledge that unforeseen events, the unexpected twists and turns that often accompany travel, are met with a robust shield of comprehensive coverage.

Comprehensive Coverage for In-State Explorations

For those captivated by the wonders within Michigan’s borders, domestic travel insurance emerges as a vital asset. Beyond the basics, this coverage extends its protective wings to encompass trip cancellations, interruptions, and delays. The flexibility to adapt travel plans amidst unforeseen circumstances is complemented by the assurance that financial investments are safeguarded.

Global Adventures: Tailoring Coverage for International Sojourns

Embarking on international adventures elevates the need for specialized coverage, and fortunately, tailored travel insurance options are intricately designed to cater to the distinct needs of Michigan’s enthusiastic globetrotters. This sophisticated level of coverage goes beyond the conventional, encompassing a comprehensive array of offerings. From robust medical coverage that extends across borders to immediate access to emergency assistance, these tailored options are crafted to create a seamless safety net for travelers.

Adventure Sports and Niche Coverage

Michigan’s diverse terrain invites adventure enthusiasts to ski in the Upper Peninsula, partake in water sports on the Great Lakes, or explore the scenic landscapes. Tailored travel insurance takes into account these specific needs, providing coverage for adventure activities. Whether skiing, scuba diving, or hiking, specialized coverage guarantees that Michigan residents can pursue their passions with confidence, shielded against the unique risks associated with adventure sports.

Navigating Pandemic Considerations: Adapting Travel Insurance in a Changing Landscape

In the wake of global events, including the ongoing pandemic, travel insurance has evolved to address new considerations. Tailored options for Michigan residents now include provisions for trip cancellations or interruptions due to unforeseen circumstances, including health-related concerns. Navigating the nuances of pandemic-related coverage ensures that travelers can adapt to changing situations with financial security.

Selecting the Ideal Travel Insurance Provider

In the vast landscape of travel insurance options, selecting the right provider emerges as a pivotal decision for Michigan residents. The abundance of choices necessitates a careful consideration of various factors to ensure that the chosen insurance aligns seamlessly with individual needs. Michigan residents are not only encouraged but empowered to embark on a thorough exploration of potential providers. The ideal travel insurance partner should offer a comprehensive spectrum of coverage options, ensuring a tailored solution for diverse travel scenarios. Transparency in terms and conditions becomes a cornerstone, providing clarity and fostering trust between the insured and the insurance provider.

Secure Adventures for Michigan Explorers

As Michigan residents set out on their travel escapades, from local discoveries to international journeys, the importance of the right travel insurance cannot be overstated. Tailored options provide the confidence needed to explore, insure, and truly enjoy every moment of these adventures. Whether traversing the captivating landscapes within the state or venturing beyond, Michigan’s travelers can embark on their journeys with peace of mind, knowing they are safeguarded against the unexpected.

About Latitude, Tailored Travel

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Susanne grew up near Coastal NC, on a military base and has resided in the Triangle for more than 25 years. Her Favorite quote is “Life is not measured by the number of breaths we take, but by the number of moments that take our breath away”.

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Susanne is The Travel Queen! Travel is clearly in her element. Whether she is planning, preparing, researching, reflecting … travel is always on her brain. It’s in her blood! She is incredibly knowledgeable and thorough. She has planned separate Aruba and USVI trip for us. Travel was seamless and her recommendations were top notch. We were incredibly pleased with everything she planned and suggested. We can’t WAIT to use Susanne’s expertise for another adventure!”

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Russia's Nuclear Deterrent Command Center Imperiled by Winter Freeze—Report

A Russian nuclear deterrent command center in Moscow has been imperiled by power outages that have impacted more than one-quarter of the region's cities amid freezing temperatures, a Russian Telegram channel has reported.

The VChK-OGPU outlet, which purports to have inside information from Russian security forces, reported that the 820th Main Center for Missile Attack Warnings—part of the Russian Space Forces, a branch of the country's Aerospace Forces—near Solnechnogorsk in Moscow is without power.

It serves as the space forces early warning network against potential ballistic missile attacks.

The development comes as Russians are reported to be suffering from power outages in their homes in the Moscow region caused by technical issues at plants amid subzero temperatures.

On January 4, a heating main burst at the Klimovsk Specialized Ammunition Plant in the town of Podolsk, which is about 30 miles south of central Moscow. Since then, tens of thousands of Russians are reported to have no heating in their homes.

Affected areas include the cities of Khimki, Balashikha, Lobnya, Lyubertsy, Podolsk, Chekhov and Naro-Fominsk, a map published by a Russian Telegram channel and shared on other social media sites shows.

Other Russian media outlets reported that in Moscow, residents of Balashikha, Elektrostal, Solnechnogorsk, Dmitrov, Domodedovo, Troitsk, Taldom, Orekhovo-Zuyevo, Krasnogorsk, Pushkino, Ramenskoye, Voskresensk, Losino-Petrovsky and Selyatino are also without power.

The Telegram channel said that at the 820th Main Center for Missile Attack Warnings, "the crew...is on duty around the clock."

"It is here that the decision on a retaliatory nuclear strike is executed," the channel said.

Newsweek could not independently verify the report and has reached out to the Russian Defense Ministry by email for comment.

Power outages have also been reported in Russia's second-largest city, St. Petersburg, in the country's western Voronezh region, in the southwest city of Volgograd, and in Rostov, which borders Ukraine, a country that Russia has been at war with since February 24, 2022.

On Sunday, two shopping malls in St. Petersburg were forced to close because of problems with light and heating, reported local news outlet 78.ru. Hundreds of other homes in the city have had no electricity, water or heating for days amid temperatures of -25 C (-13 F).

Russian authorities have also been forced to compensate passengers of a train that ran from Samara to St. Petersburg (a 20-hour journey) without heating during -30 C (-22 F) temperatures. Videos circulating on social media showed carriage windows frozen over. A passenger also said the toilet didn't work during the trip because of frozen pipes.

Do you have a tip on a world news story that Newsweek should be covering? Do you have a question about the Russia-Ukraine war? Let us know via [email protected].

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• Russia Maps Show 25% of Moscow Without Power Amid Winter Freeze 'Emergency'
• Serbian Mercenary Turns on Russian Leaders: 'They Treat Us Like Cattle'
• Winter Freeze Threats Come Back To Bite Russia As Power Outages Spread

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