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What Is Travel Insurance?

Understanding travel insurance, how travel insurance works, comprehensive travel insurance.

• Trip Cancellation or Interruption

Damage and Baggage Losses Coverage

Rental insurance, travel health insurance.

• AD&D Coverage

Other Travel Insurance Coverage

How to get travel insurance, the bottom line.

• Personal Finance

What Is Travel Insurance, and What Does It Cover?

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia.

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Travel insurance is a type of insurance covering financial losses associated with traveling, and it can be useful protection for domestic or international travel. Whether you missed your flight to Florida, lost your bags in Berlin, or broke your ankle in Ankara, the best travel insurance companies can help remedy all kinds of travel mishap costs.

Key Takeaways

• Travel insurance can be purchased online, from your tour operator, or from other sources.
• The main categories of travel insurance include trip cancellation or interruption coverage, baggage and personal effects coverage, rental property and rental car coverage, medical coverage, and accidental death coverage.
• Coverage often includes 24/7 emergency services, such as replacing lost passports, cash wire assistance, and rebooking canceled flights. 
• It's important to understand what's covered and what's not, and any limitations on coverage amounts and coverage requirements.

Travel insurance helps cover financial losses associated with surprise circumstances that could ruin a trip, including illness, injury, accidents, flight or other transportation delays, and other issues. This insurance costs 4% to 10% of a trip's price. So, for a $10,000 trip, trip insurance could cost between $400 and $1,000.

Premiums—or the price you pay for coverage—are based on the coverage type, your age, destination, trip cost, and more. Specialized policy riders focus on the needs of business travelers, athletes, and expatriates .

You may already have travel insurance coverage from your homeowners or renters insurance or your credit cards. Call your insurance agent to find out about your current travel coverage, and your credit card company to find out about any benefits you get when you purchase air or train tickets, rent a car, or book a hotel using the card. Many travel rewards cards come with built-in travel insurance and other travel benefits.

Travel insurance may be sold online by travel agents, travel suppliers (airlines, cruise lines), private insurance companies, or insurance brokers when booking your flight, accommodations, or car.  Travel insurance companies include AIG Travel, Berkshire Hathaway Travel Protection, Generali Global Assistance, GeoBlue, Nationwide, and more.

Typically, you'll purchase coverage shortly after initial bookings for lodging, flights, or other transportation, activities, and rental cars. Some policies may require you to do so to retain full coverage. Here are some terms to know for travel insurance.

Primary and Secondary Coverage

If you buy travel insurance, you may have concurrent insurance coverage , meaning you're covered under more than one policy. When the travel coverage is primary, the travel insurance reimburses you first without needing to make a claim through another company—and sparing you potentially increased policy rates.

If the travel insurance coverage is secondary, you'll first need to attempt to file a claim with other coverage, such as an airline (lost baggage) or your own auto insurance (damaged car).

Coverage Requirements

There are usually stipulations spelled out on how you qualify for coverage. Your claim must fall under the types of coverage offered. For example, lost baggage insurance might include coverage for personal items, prescriptions, credit cards, and your passport or visa. You may also need to take extra steps to qualify for coverage, such as reporting the loss or theft to the police.

Policy Coverage Limits

This is the maximum amount you can receive for the claim. For example, you might only receive $500 per bag. You may not even receive more for expensive items such as jewelry or electronic devices. You might need to provide receipts for items over a certain amount. Without receipts, the insurer may only pay for repairs.

Some coverage might require you to pay a deductible, or flat amount, before covering the remainder of your claim up to the limit.

These are the conditions under which your coverage will not cover the loss. Each policy differs. For example, your baggage damage coverage may not cover losses caused by animals. It may exclude coverage of bicycles, hearing aids or other medical devices, keys, and tickets, or seizure by a government or customs official.

Pre-existing conditions may not be covered by travel medical insurance, or may only be covered if you buy a travel insurance plan within one to two weeks of booking your trip.

Comprehensive travel insurance includes many types of coverage listed below, bundled into one plan. Most commonly, comprehensive travel insurance bundles a 24-hour assistance line to help find doctors or get assistance in an emergency, reimburse you for trip cancellation , interruption and delay, baggage loss or delay, and medical expense and medical evacuation coverage.

Alternatively, you can purchase each coverage type separately. This may be wise if you already have coverage through other insurance or can cover your losses in many cases.

Trip Cancellation or Interruption Coverage

This insurance reimburses a traveler for some or all prepaid, nonrefundable travel expenses, and comes in the following forms:

• Trip cancellation : Reimburses you for paid travel expenses if you can't travel for a preapproved reason.
• Travel delay : Reimburses you for expenses if you can't travel because of a delay.
• Trip interruption : Reimburses you for travel costs if your trip is cut short.
• Cancel for any reason (CFAR) : Reimburses you for a portion of costs if you cancel the trip for any reason; typically more expensive than the other types listed above.

With most of the above, acceptable cancellation and interruption causes and reimbursement amounts vary by provider. Acceptable reasons for a claim might include the following:  

• Your illness
• Illness or death in your immediate family
• Sudden business conflicts
• Weather-related issues
• Legal obligations such as jury duty

You may need to pay more or meet more requirements to file a claim for a cancellation due to financial default, terrorism in your destination city, or work reasons.

When traveling, register your travel plans with the State Department through its free  travel registration website , the Smart Traveler Enrollment Program (STEP). The nearest embassy or consulate can contact you if there is a family, state, or national emergency.

Baggage and personal belongings being lost, stolen, or damaged is a frequent travel problem—and can quickly ruin a trip as you must shop for replacements. Baggage and personal effects coverage protects lost, stolen, or damaged belongings during travel to, in, and from a destination.

However, many travel insurance policies pay for belongings only after you exhaust all other available claims. Baggage coverage may have many restrictions and exclusions, such as only covering up to $500 per item and $250 for each additional item. You may be able to increase or decrease amounts, shop around for coverage, or increase limits by paying more.

For example, the insurance may not pay for lost and damaged luggage due to airline fault. Most carriers, such as airlines, reimburse travelers if baggage is lost or destroyed due to the airline's error. However, there may be limitations on reimbursement amounts, so baggage and personal effects coverage provide an additional layer of protection.

Vacation rental insurance covers costs from accidental damage to a vacation rental property. Some plans also offer trip cancellation and interruption to help reimburse costs when you can't use your vacation rental. Some of these reasons could include the following:

• Lost or stolen keys
• Unsanitary or unsafe vacation property
• Vacation rental wasn't as advertised
• The company oversold your vacation rental

Rental car insurance covers a rental car's damage or loss while on a trip, taking the place of the rental agency's collision damage waiver (CDW) or your regular car insurance policy. Policies vary and may cover collisions, theft, vandalism, and other incidents. Rental car insurance may be a secondary policy to your own car insurance. However, it doesn't cover your liability or legal responsibility for damage or injury you cause to others.

Medical coverage can help with unexpected international medical and dental expenses, and help with locating doctors and healthcare facilities abroad. As with other policies, coverage will vary by price and provider.

• Foreign travel medical coverage : These policies range from five days to one year or longer, and cover costs arising from illness and injuries while traveling.
• Medical evacuation: May cover airlift travel to a medical facility and medical evacuation to receive care.

Consult with your current medical insurers before purchasing a policy to determine whether a policy extends its coverage outside the country. Most health insurance companies pay “customary and reasonable” hospital costs if you become sick or injured while traveling, but few will pay for a medical evacuation.

The U.S. government doesn't insure citizens or pay for medical expenses abroad . Before purchasing a policy, read the provisions to see what exclusions, such as preexisting medical conditions, apply. Don't assume that the new coverage mirrors that of your existing plan. Routine medical care is typically excluded unless you buy a long-term medical plan intended for expatriates, missionaries, maritime crew members, or others abroad for extended periods.

Medicare or Medicaid generally don't cover medical costs overseas unless you have specific Medicare Advantage or Medigap plans covering emergency overseas care.

Accidental Death and Dismembership (AD&D) Coverage

If an accident results in death or serious injury, an AD&D policy pays a lump sum to surviving beneficiaries or you for an injury. The insurance usually offers three parts, providing coverage for accidents and fatalities:

• Flight accident insurance: Occurring during flights on a licensed commercial airliner. 
• Common carrier: Resulting from public transportation such as train, ferry, or bus travel.
• General travel: Occurring at any point during a trip.

Exclusions that may apply include death caused by drug overdose or sickness. In addition, only some injuries may be covered, specifically hand, foot, limb, or eyesight. There are stated amount limits per injury.

Accidental death coverage may not be necessary if you already have a  life insurance  policy. However, benefits paid by your travel insurance coverage may be in addition to those paid by your life insurance policy, leaving more money to your beneficiaries. 

Depending on your plan or package selected, you may be able to add the following travel insurance types:

• Identity theft resolution services
• School activity coverage
• Destination wedding coverage
• Adventure sports coverage
• Pet health as a reason for cancellation or delay
• Hunting or fishing activities as a reason for cancellation or delay
• Missed flight connections

Travel insurance varies in cost, exclusions, and coverage. Coverage is available for single, multiple, and yearly trips. To get travel insurance, you fill out an insurance company's application about your trip, including the following:

• Travelers going
• Destination
• Travel dates
• Date of first payment toward your trip

The insurance company reviews the information using underwriting guidelines to guide issuing a policy and the rate. If it accepts your application, the company will issue a policy covering your trip. If the company rejects your application, you can apply with another insurer.

When you receive your policy, you'll typically get a 10- to 15-day review period to review the contract's fine details. If you don't like the policy, you can return it for a refund. Read through the document and ensure the plan you purchased doesn't apply too many loopholes, and that it covers:

• Emergency medical care and transport back to the U.S.
• High enough limits to cover your costs or damages
• Regions you're traveling to
• Your trip duration or number of trips
• All activities you plan to enjoy
• Preexisting conditions and people of your age

Also, read through for any exclusions. For example, types of property covered, and whether property lost or damaged by the airline is covered, and how.

Do I Need Travel Insurance?

You might consider travel insurance if you can't afford to cancel and then rebook an expensive or long trip. You might also consider travel health insurance if your health insurance doesn't cover international costs. An alternative is to book an easily cancellable vacation—look for a pay-later hotel room and car rental options, flexible cancellation terms, and the ability to rebook without a fee.

What Is Not Covered by Travel Insurance?

Review the travel insurance policy to discover exclusions. According to NAIC, common travel policy exclusions are:

• A traveler's pre-existing health conditions
• Civil and political unrest at the traveler's destination
• Pregnancy and childbirth
• Coverage for those engaging in adventure or dangerous activities.

Pandemics may also be excluded from coverage.

How Can I Get Cheap Travel Insurance?

Your  homeowners  or renters insurance may provide some protection for personal belongings, and airlines and cruise lines are responsible for loss and damage to your baggage during transport. Also, credit cards may provide automatic protection for things like delays and luggage or rental car accidents if used for deposits or other trip-related expenses.

The main types of travel insurance include trip cancellation or interruption coverage, baggage and personal effects coverage, medical expense coverage, and accidental death or flight accident coverage. Before buying a policy, check to see if you already have coverage through your own health or car insurance or a credit card.

Mass.gov. " Travel Insurance. "

Minnesota Department of Commerce. " Travel Insurance ."

U.S. Travel Insurance Association. " Frequently Asked Questions ."

Texas Department of Insurance. " Should You Get Travel Insurance? "

National Association of Insurance Commissioners. “ Taking a Trip? Information about Travel Insurance You Should Know Before You Hit the Road .”

U.S. Department of State. “ Your Health Abroad. ”

Medicare.gov. " Medicare Coverage Outside the United States ." Page 4.

Medicare.gov. " Medigap & Travel. "

NAIC. " Travel Insurance ."

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Overview of Travel Insurance Coverage

What does travel insurance cover, what does credit card travel insurance cover, what travel insurance coverage do you need to pay more for, choosing the right travel insurance, what does travel insurance cover frequently asked questions, understanding what travel insurance covers.

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

The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex℠. The details for these products have not been reviewed or provided by the issuer.

• Travel insurance is intended to cover risks and financial losses associated with traveling.
• Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
• When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellation and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

• Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
• Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
• Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
• Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
• Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
• Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
• Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
• Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex, for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide on the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

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

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

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Travel Insurance

What is travel insurance?

Erica Lamberg

Heidi Gollub

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

Updated 4:48 a.m. UTC Jan. 31, 2024

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• Travel insurance provides financial protection against unforeseen circumstances, both before and during your trip.
• You can expect to pay 4% to 6% of the cost of your trip for travel insurance.
• Adding “cancel for any reason” coverage gives you greater flexiblity with your travel plans.  
• Medical expense benefits are particularly important for international travel.

The best travel insurance provides a significant safety net to protect your trip investment, your well-being and your possessions while you’re traveling. 

A robust policy will provide pre-departure benefits, such as trip cancellation insurance, and post-departure coverage if you experience travel difficulties like delays, severe weather, lost luggage, stolen personal belongings, illness or injury. 

“Designed to cover unforeseeable events, travel insurance comes in the form of various plans to protect you from certain financial risks and losses that can occur while traveling,” said Daniel Durazo, a spokesperson with Allianz Partners USA. 

“These losses can be minor, like delayed luggage, or more significant, like a last-minute trip cancellation or an international medical emergency,” he said. “Finding the right plan is the first step in securing insurance for upcoming travels.”

Pros and cons of travel insurance

The exact benefits of travel insurance vary by plan, but according to Durazo the biggest perk is the peace of mind that is included with every policy.

Specifically, two main travel insurance benefits — trip cancellation insurance and post-departure benefits — protect travelers financially. 

“Trip cancellation may reimburse lost prepaid, nonrefundable trip deposits for things like airline tickets, hotel rooms, rental cars, tours and cruises before you leave, while post-departure benefits may help cover expenses for baggage loss and travel delays,” explained Durazo. 

The one con of travel insurance is that no policy will cover every possible situation. “It’s important to read your policy to understand what is covered and not covered so that your specific needs are met,” said Durazo. 

The coverage of your plan will be outlined in your policy documents. Most travel insurance companies offer a “free look” period, so you can read your policy carefully and ask for a refund if it doesn’t meet your needs. 

When should you consider travel insurance?

When spending more on prepaid, nonrefundable travel expenses than you would feel comfortable losing, travel insurance is worth considering. 

Say you’ve booked nonrefundable flights and accommodations but need to cancel your trip at the last minute because a doctor says you’re too sick to travel. Travel insurance can reimburse you for up to 100% of those expenses.  

When traveling outside of the country, travel insurance becomes even more important as there’s a good chance your U.S. health insurance won’t work internationally, and Medicare generally isn’t accepted in foreign countries. A travel insurance policy with excellent medical expense benefits and emergency evacuation coverage can cover your medical emergencies. 

Want to compare travel insurance companies? Best travel insurance companies

Travel insurance cost

The average cost of travel insurance is 5% to 6% of your nonrefundable trip costs. How much you’ll pay will depend in part on the plan you choose, the cost of your trip and the ages of the travelers you’re insuring. 

“Travel can be expensive,” said Durazo, “and most of us can’t afford to lose the money we’ve spent if we’re forced to cancel a trip at the last minute.” 

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Trip cancellation insurance

“Trip cancellation is coverage — included in most comprehensive travel insurance plans — that can permit you, as a traveler, to be reimbursed for covered unused, prepaid, nonrefundable trip expenses if you have to cancel your trip after you have booked it, but before you depart,” said Scott Adamski, a spokesperson with AIG Travel.

There are several scenarios where a traveler might be covered for trip cancellation, said Adamski. “AIG Travel recognizes numerous ‘covered perils,’ that would allow you to cancel your trip — even last-minute — and still be covered, subject to the terms of the insurance policy,” he said. 

A medical emergency is one such scenario. “For example, the traveler got in an auto accident and suffered a broken leg the day before scheduled departure,” he said. Other examples include a hurricane or being suddenly required to work during your trip. 

Acceptable reasons for trip cancellation typically include: 

• Death of the policyholder, an immediate family member or travel companion.
• Serious illness or injury to you, a travel companion or close family member.
• Family emergency.
• Severe weather.
• Your travel supplier going out of business.
• Sudden job loss.
• Unplanned jury duty.
• Military orders.
• National transportation strike.

Most basic travel insurance plans will not reimburse you if you cancel your trip for a reason not listed in your policy, like fear of traveling or concern about getting sick.

“Cancel for any reason” (CFAR) coverage

If you want the highest level of flexibility regarding your travel plans, “ cancel for any reason” (CFAR) coverage is an optional upgrade offered by many comprehensive travel insurance plans. 

“The decision to purchase CFAR coverage is closely connected to the traveler’s risk tolerance, the value of the trip and circumstances that may arise that may not be covered under the terms and conditions of the base travel insurance plan,” said Adamski.

The stand-out advantage of CFAR coverage is that it may provide reimbursement for prepaid, nonrefundable trip costs in circumstances where no other coverage might apply.

“If a traveler has purchased the optional CFAR coverage and needs to cancel for a non-covered reason under their AIG Travel insurance plan, for example, they may be reimbursed up to 50% of their prepaid, nonrefundable trip cost,” said Adamski. “Please note that the traveler must cancel the trip, under the terms of CFAR, more than 48 hours prior to departure.” 

This flexibility comes at a cost. Adding on CFAR coverage can bump up the cost of your basic travel insurance plan by about 50%. Also, “cancel for any reason” coverage typically must be purchased at the same time you buy your travel insurance plan, and within 15 days of placing your initial deposit on your trip, said Adamski. 

Trip delay insurance

Many travel insurance policies include trip delay benefits. This can cover additional expenses like an airport dinner or a last-minute hotel stay if you start your journey and encounter a significant delay such as a canceled flight. 

Once again, the key is that the delay must be caused by a problem listed in your policy in order to qualify for coverage. These covered reasons typically include a maintenance issue with a plane, severe weather or a highway being closed due to an emergency that causes you to miss a flight. 

Not all travel insurance plans include coverage for delays caused by missed connections, and some only offer missed connection coverage for cruises and tours. 

Planning a cruise? Find the best cruise travel insurance .

Your travel insurance policy will outline what qualifying criteria, including the number of hours you need to be delayed before your coverage applies. It’s common for this waiting period to be three to 12 hours.  

If you experience a long delay, be sure to keep any receipts for expenses you incur like transportation costs, a hotel room or meals. You will be asked to submit this documentation when you file a claim.

Trip interruption insurance

Trip interruption is coverage that’s included in most comprehensive travel insurance plans that can provide benefits if you have to end your trip early. 

“The most common reasons for trip interruption are injury or sudden illness — to you or a traveling companion — during the trip,” Adamski said. “The next most common reasons are inclement weather en route or at your destination, a death in the family or a life-threatening situation back home.”

According to Adamski, there are two ways trip interruption benefits can apply when you have to end a trip early:

• If your trip is unexpectedly interrupted, trip interruption benefits may reimburse you for covered unused, prepaid, nonrefundable trip expenses, such as airfare, hotel nights and tours or excursions that were booked in advance and can no longer be used.
• If you are already at your destination and have to return home for a covered reason, trip interruption benefits may cover the additional transportation costs incurred to return home early. This will typically be an economy one-way ticket. 

“Interruption for any reason” (IFAR) coverage

“Interruption for any reason” coverage is an upgrade available with some travel insurance plans. Similar to CFAR, it lets you end your trip early for any reason, not only those listed in your policy.

“The decision to purchase IFAR coverage is closely connected to the traveler’s risk tolerance, the value of the trip and circumstances that may arise that may not be covered under the terms and conditions of the base travel insurance plan,” Adamski explained. 

If you have a fight with your travel companion, miss your pet at home or just decide you want to cut your trip short, you can rely on IFAR benefits to pay your way home and receive a percentage of the prepaid, nonrefundable trip costs you will forfeit by returning home early.

Travel medical insurance

Travel medical is a benefit in a travel insurance policy that provides coverage for medical expenses should you need medical care while traveling. If you become ill or injured, your policy can cover the cost of medical treatment, imaging, hospitalization and prescription medication.

It’s especially important to make sure your policy includes a high limit for medical expense coverage when traveling outside of the U.S. Otherwise, you could end up personally responsible for paying expensive doctor and hospital bills. 

Emergency medical evacuation coverage

Medical issues can escalate and if your medical treatment requires more specialized care, emergency evacuation insurance can be life-saving. 

Medical evacuation and transport costs can be tens of thousands of dollars or more, depending on your location and the condition of the patient. If your vacation destination is remote and you suffer an illness or injury, emergency evacuation coverage will be even more vital. 

If you’re traveling internationally, the emergency evacuation coverage in your travel insurance policy may also cover the cost of returning you to the U.S. if deemed medically necessary. Without this coverage, you would have to pay out of pocket for these costs. 

Pre-existing medical condition exclusion waiver

“A pre-existing medical condition exclusion waiver is a type of insurance provision that eliminates the pre-existing condition exclusion that is usually associated with certain types of health insurance policies,” said Lynn Pina, a spokesperson with GeoBlue.

When you buy travel insurance, the insurer will typically exclude coverage for any medical condition that you had before you signed up for the policy. “This is done to prevent people from signing up for insurance only after they become sick, which would create a financial burden for the insurance company,” said Pena.

But you can often get a pre-existing medical condition exclusion waiver with your travel insurance as long as you meet specific requirements, such as buying the policy within a certain number of days of making your first trip deposit, insuring the full value of your trip and being medically able to travel at the time of your departure. 

Older travelers with health issues may want to look for plans with this waiver when shopping for senior travel insurance .

Baggage and personal effects coverage

Travel insurance can help if your baggage and personal effects are damaged, lost or stolen while you’re on a trip. 

Your policy also protects other possessions while in transit. So if your cellphone is stolen you can be covered for that loss. “You’ll need to get police reports for stolen items,” said Christina Tunnah, a spokesperson with World Nomads. You will be asked to submit this documentation when you file an insurance claim. 

Your travel insurance policy will list exclusions, per-item and total reimbursement limits and how depreciation affects the value of your items. It’s also important to note that this coverage is often secondary, meaning you may have to file a claim with your common carrier (such as the airline, if your bag is lost) or your homeowners insurance (if your personal belongings are stolen). 

Tunnah recommends you take a photo of your bag and its contents, save receipts for your items and travel without valuables. “Insurance policies have per-item and total limits, and often exclude high-value items, so it might be a good idea to leave the designer gear at home, and note that stolen cash is not covered,” she said. 

Baggage delay coverage

If an airline delays your bags en route to your destination by a certain number of hours, usually six or 12, travel insurance may provide reimbursement for the essentials you need to tide you over, like new toiletries and a change of clothes, said Tunnah. 

Be sure to keep your receipts and check your policy so you understand how waiting times will affect your reimbursement eligibility.

Frequently asked questions (FAQs)

“ Cancel for any reason” coverage is just what it sounds like but with caveats. “While travelers can cancel for any reason, there are usually limits to the amount of money that can be claimed, often between 50% to 75% of the nonrefundable trip costs,” said Tunnah. 

This upgrade can add 50% to the cost of travel insurance and in order to take advantage of the benefit, you’ll need to cancel at least 48 hours before your scheduled departure.

Travel medical insurance can cover you if you get sick or injured while traveling. So if you need to see a doctor, need medication, lab tests, X-rays or even surgery while on your trip, travel insurance may cover your expenses, said Tunnah from World Nomads.

If a medical condition warrants more specialized or escalated care, and if you need to be medically evacuated or even repatriated home, emergency medical evacuation insurance can cover these expenses as well. 

“It’s important to check with your insurer’s emergency assistance team, as they will be able to verify coverage, and in some cases provide advance payment to the hospital to secure your care,” said Tunnah. “Some insurers require their own emergency assistance team to organize evacuations and repatriations, so always check with them first.”

All of the companies in our best COVID travel insurance rating include coverage for COVID-19. But it’s not universally covered by travel insurance plans. 

“It’s very important to read policy terms and conditions to understand how COVID coverage works,” said Tunnah. “World Nomads policies for U.S. residents offer COVID coverage. If, for example, you get COVID before your trip, as certified by a physician or medical facility (e.g. not a home test), and you’re unable to travel, you may claim for reimbursement of nonrefundable trip costs. And while traveling, if you get COVID, you’d have coverage under your emergency medical benefits.”

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.

Erica Lamberg is a regular contributor to Fox News, Fox Business, Real Simple, Forbes Advisor, AAA and USA TODAY. She writes about business, travel, personal finance, health, travel insurance and work/life balance. She is based in suburban Philadelphia.

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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What Is Travel Insurance and What Does It Cover?

By understanding what travel insurance is and what it covers, you can decide whether to buy it for your upcoming trips.

in under 2 minutes

Sarah Horvath is one of the home service industry’s most accomplished writers. Her specialties include writing about home warranties, insurance, home improvement and household finances. You can find her writing published through distributors like HouseMethod, Architectural Digest, Good Housekeeping and more. When not writing, she enjoys spending time in her home in Orlando with her fiance and parrot.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Travel insurance is a type of financial protection you can buy to reimburse a portion of prepaid, nonrefundable expenses if your trip gets interrupted or canceled. Travel insurance may cover medical bills incurred abroad, lost baggage, lost airline fare and more.

Read on to learn more about travel insurance and what it covers, and explore a few of our top-rated providers .

What Is Travel Insurance?

Travel insurance is a type of insurance coverage that protects you from financial loss when you travel. Depending on the type of policy you purchase, travel insurance usually covers emergency situations such as trip cancellation or interruption, accidents, illnesses and trip delays . 

Since your primary health insurance is not applicable abroad, many travelers will purchase travel health insurance to cover unexpected medical expenses.

The cost of a travel insurance policy depends on the age of the travelers, duration of the trip, location of the trip, how much the trip costs, policy tier selected and more. If you’re planning a trip and you’ve made a significant investment that you can’t afford to lose, you might need travel insurance.

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How Does Travel Insurance Work?

Like most types of insurance, travel insurance works on a reimbursement model. You pay for your travel first and if you experience a covered loss, apply for a reimbursement with your insurance provider later. For this reason, it is important to understand what a plan does and does not cover and how it works before you buy a policy. 

Primary vs. Secondary Insurance Coverage

If you purchase a travel insurance policy to supplement your standard health insurance, it is important to determine which policy will serve as the primary insurance. If your travel insurance provides the primary medical coverage, it will act as the first source of payment for eligible medical expenses. So if you incur medical bills abroad, primary medical insurance will cover your expenses without requiring you first to file a claim with your standard health insurance.

If your travel insurance offers secondary medical coverage, it will only kick in after other applicable insurance policies. In most cases, you must file a claim with your standard health insurance provider first before filing one with your travel insurance provider. Your travel medical coverage would then cover any remaining eligible expenses not covered by your primary insurance.

If you do not have health insurance, having travel insurance with secondary medical coverage is likely not as beneficial. Travel insurance policies are usually more affordable than primary medical coverage, and because you do not have backup insurance, can act as immediate primary coverage. 

However, some policies offering secondary coverage outline a minimum health insurance requirement for claim validity. So, read all the terms of your proposed travel policy before purchasing.

Coverage Limits and Requirements

Travel insurance policies have financial caps or dollar limits on covered situations. For example, if your policy offers $150,000 in emergency medical expenses, your provider will pay out a maximum of $150,000 toward covered expenses. If your expenses exceed $150,000, you are responsible for the extra costs. 

For trip interruption and cancellation protection, insurers usually calculate coverage as a percentage of your total trip cost. So, if interruption benefits include 125% coverage reimbursement on a trip with a total value of $5,000, you can claim up to $6,250 in benefits. For reference, most travel insurance plans include 100% trip cancellation coverage and a minimum of 125% trip interruption coverage to compensate for extra charges such as unexpected flight changes.

In addition to knowing coverage limits, noting any policy use restrictions before buying a plan is good practice. Your provider will likely require you to document all expenses incurred when you file a claim, such as if you buy clothing and cosmetics to replace lost baggage . Most travel insurers also ask you to contact a representative to request authorization before using a medical evacuation benefit, even after being hospitalized.  

What Does Travel Insurance Cover?

Travel insurance is a holistic insurance that covers you in multiple areas. Let’s look at the most common coverages you’re likely to find on your travel insurance policy. 

Trip Cancellation and Interruption

Most travel insurance plans include trip cancellation and interruption coverage to reimburse prepaid, nonrefundable expenses if your trip is canceled or delayed for a reason outlined in your policy. Valid reasons for cancellation usually involve extreme personal or financial hardship, such as:

• An illness, injury or hospitalization that prevents you from traveling
• Death of a family member or travel companion 
• Legal obligations, such as jury duty
• Natural disasters
• Acts of terrorism or war 

Trip interruption coverage offers financial protection if you must return home earlier than originally planned. If a family member gets sick back home while you’re abroad, your trip interruption coverage may cover a sudden return flight and reimburse unused trip expenses.

Specific reasons that qualify the use of trip cancellation and interruption benefits vary by insurance company. If you want to extend your benefits to cover more situations, consider buying cancel for any reason (CFAR) coverage , which lets you claim a partial reimbursement no matter why you cancel.

Baggage Loss or Delay

Benefits for lost or delayed baggage pay for the cost of belongings if an airline temporarily or permanently loses your luggage. However, baggage delay coverage usually has more limited benefits for temporary needs — such as clothing and toiletries — if a travel carrier sends your luggage to the wrong location. This coverage will also typically reimburse you for stolen belongings during a trip. 

To prove a loss or delay to your insurer, you usually need to provide documentation, such as receipts and a property irregularity report (PIR) from an airline. It is also important to note the financial limits on eligible claim items. For example, while most baggage loss policies cover jewelry, you may face a limitation of $100 or less for each lost piece of jewelry. You can also consider additional coverage riders for exceptionally high-value items, such as musical instruments and sporting equipment. 

Auto Rental Damage Coverage

If you plan to rent a vehicle while away, consider adding rental car coverage to your travel insurance policy. Travel insurance usually includes auto collision coverage, which usually pays for damage to a rental car. So if you total your rental car in an accident, collision insurance helps pay the cost of repairs.

Depending on your rental car provider and where you’re visiting, you may need liability coverage to drive legally. In the U.S., for example, each state sets liability requirements for drivers. Travel insurance with auto coverage usually does not supply the necessary liability insurance to drive, so consult with your rental car company to learn more about meeting local requirements.

Vacation Rental Coverage

Some insurance companies also have vacation rental coverage that pays for the cost of any damage done to a short-term rental property. For example, if you rent an Airbnb and your pet urinates on the carpet, the rental owner might charge you for the cost of cleaning or replacing the rug. Depending on your policy coverage, vacation rental insurance would cover this charge.

Travel insurers typically classify auto rental and vacation rental coverage as add-ons, meaning coverage is not included under most standard plans. If you select either add-on, your premium will increase. 

Emergency Evacuation and Transportation

If you’re visiting a remote area or taking a cruise , you might consider insurance to cover medical transportation. Emergency medical evacuation coverage can help you pay for the cost of transportation services if you are far from a local facility equipped to treat your injuries. 

Some policies also offer the ability to use emergency evacuation services because of civil unrest or a political emergency.

Travel Medical Insurance Coverage

Travel medical insurance helps cover medical bills you might incur while on a trip away from home. Many health insurance policies, including government-sponsored policies like Medicare , do not cover injuries and illnesses incurred abroad. A travel medical insurance plan can help you pay the medical bills if you need healthcare while traveling outside your primary health insurance plan’s service area. 

Travel Insurance Additional Benefits

Some travel insurance providers offer benefits beyond the above-listed standard inclusions, such as:

• Document replacement: If you lose your passport or personal ID card while abroad, you may need to visit a local consulate for a replacement. Travel insurance with document replacement coverage can help you cover the associated cost.
• Flight departure delay: Some insurers, such as Berkshire Hathaway , give you a credit if your flight gets delayed by more than two hours. You can use the credit to pay for refreshments or entertainment, such as Wi-Fi, during a delay.
• Tarmac delay: Some companies provide a set benefit if your flight is stuck on the tarmac for a specific number of hours. 
• Other benefits : Some insurance providers include additional benefits, such as rental car coverage or identity theft coverage.

What’s Not Covered by Travel Insurance?

Each travel insurance company creates its own policy packages, meaning exclusions vary from company to company. You should assume that any services not listed in your contract are excluded from coverage. Some of the most common circumstances when you cannot use your travel insurance coverage include the following:

Most travel insurance policies cover sudden travel expenses resulting from unexpected natural disasters, such as hurricanes and tropical storms. However, your coverage won’t apply to losses caused by storms that were already named when you booked your insurance.

If you’re traveling abroad to seek medical treatments, there’s always the chance of complications increasing the cost of your services. Medical tourism expenses are not covered under travel insurance policies.

Even if you purchase trip cancellation coverage, you cannot cancel your travel for any reason and still claim a refund. If you change your mind and don’t want to travel anymore, your travel insurance will not reimburse you for your expenses

Other standard exclusions include:

• Fear of flying
• Injuries incurred during extreme sports
• Preexisting conditions (on medical policies)
• Travel to high-risk destinations

How Much Does Travel Insurance Cost?

The price you pay for travel insurance depends on several factors, including:

• Your total trip cost: The amount you pay for your trip will impact your travel insurance quote, with more expensive trips usually costing more to insure due to the risk of higher payouts.
• Destination: Some countries have more robust government and healthcare infrastructures than others. The quality and average cost of medical services in the country you’re visiting will typically influence your insurance cost.
• Length of your vacation: The longer the duration of your trip, the more you will typically pay for travel insurance.
• Your age: Older travelers usually pay more for travel insurance because insurance companies assume they are more likely to get hurt, sick or experience an accident, such as a fall, while abroad.

To help give you an idea of what you might pay for travel insurance, the MarketWatch Guide team gathered a series of quotes for several sample trips. Here is the pricing for popular plans with our recommended providers. 

What Is the Cheapest Travel Insurance?

After extensive review, our team found the average cost of a basic travel insurance policy is between $91 and $108 . The least expensive travel insurance companies are Travelex, Faye and Nationwide, according to our review. 

Read more about the cheapest travel insurance providers in our review. 

How Do I Get Travel Insurance?

Are you thinking about buying a travel insurance policy for your upcoming trip ? Here’s how to start comparing policies to get the coverage you need.

Check Current Coverage

If you’re primarily concerned about buying travel insurance for medical expenses and already have health insurance, travel insurance might not be a necessary expense. Employer-sponsored medical coverage, for example, will provide health care coverage anywhere you travel within the United States. Companies that provide ACA-compliant health insurance plans are also legally required to cover emergency services administered at any medical facility in the United States.

If you’re traveling internationally, your health plan will likely have exclusions or limitations on treatments you receive abroad. For example, most Medicare plans don’t offer coverage for international treatments. Contact your health insurance provider to learn what, if anything, your plan will cover abroad.

You might also have additional protections you’re unaware of. Some credit card companies offer limited coverage for airline baggage delays, and life insurance coverage for accidental death and dismemberment still applies abroad.

Assess all your household coverages and consult with insurance providers you’re currently working with to see how much extra trip insurance you need.

Consider Individual Needs

The best travel protection for your upcoming trip will depend on what you’ve spent on the trip, where you’re going and how often you travel. You’ll also need to consider the types of coverage you might need, especially if you’re headed abroad. For example, if you have a chronic condition that requires regular medical care in professional settings, you should consider coverage for a medical evacuation.

Like every other type of insurance, no single travel insurance policy will cover all expenses you might incur. Coverage limits apply to every trip, with the upper limit as the maximum amount that your insurance will compensate you. The higher your coverage limit, the more you’ll pay for your travel insurance plan — but it’s essential to tell the truth about your trip cost to be sure that you have adequate coverage. 

You can often save money on your coverage by selecting a policy with a lower deductible .

Now that you understand the multiple travel insurance types available, it’s time to begin claiming free quotes from competing insurance providers. Though most travel insurance providers allow you to claim a quote online, you can also contact most companies’ representatives via phone or email if you prefer personal assistance.

Remember to get a free quote from multiple insurance providers before choosing the right policy.

How Do I Use My Travel Insurance?

If you’ve ever needed to file a claim with your car insurance or pet insurance provider, you’re already familiar with the process of filing a travel insurance claim. While you’ll need to cover any emergency expenses on your own at the time of service, you can file a claim with proof of your loss or expense to your insurance company. Your insurance company will then assess your claim to ensure that your situation is covered before reimbursing you according to your policy.

You’ll need to incur a travel cost or expense that’s specifically covered by your insurance policy to claim a reimbursement. Make sure you read the fine print on your insurance contract before signing up for coverage, and save all receipts from your trip to maximize your benefits.

Do I Need Travel Insurance?

While some countries or visa requirements require travel insurance, many countries do not require U.S. travelers to purchase a policy as a condition of entry. You also do not need travel insurance to travel within the U.S. or visit Canada. 

Whether you should purchase travel insurance depends on your circumstances. Travel insurance is typically most valuable for expensive trips because you can recoup a higher value of expenses. In other words, reimbursement eligibility scales with vacation value. You may find insurance for low-cost trips tougher to justify financially — especially if part of the trip is refundable or you already have some insurance benefits through a travel credit card . 

Travel insurance is potentially of value if your regular health insurance is limited or you’re traveling to an area with a limited medical infrastructure. Getting sick or hurt abroad often comes at a high expense, especially if you require medical evacuation services to a hospital. Travel insurance that covers medical expenses and evacuations can help cover these costs, especially if your primary health insurance does not extend abroad.

Is Travel Insurance Worth It?

If you’re preparing for a trip, is it worth purchasing travel insurance ? The answer to this question will vary depending on your unique circumstances. If you’re preparing for an expensive international vacation, it’s likely worth the money to insure your trip against cancellation. This is especially true for long-distance trips that require expensive airfare. 

You might also want to consider travel insurance if you have known medical conditions that might cause you to need last-minute trip adjustments. 

Even if you don’t think you’ll buy travel insurance, getting a free quote or two takes only a few minutes — coverage might be more affordable than you think.

Frequently Asked Questions About Travel Insurance

Is it necessary to have travel insurance.

No law mandates purchasing travel insurance when you go abroad. However, you will be financially liable for any money lost due to travel delays or cancellations if you don’t have insurance. If you’ve prepaid for your upcoming trip, you should at least consider a trip cancellation coverage package to recoup a portion of your funds in an emergency.

What are the benefits of travel insurance?

Travel insurance benefits can include reimbursement for lost baggage, medical expenses and other costs incurred when you cancel a trip or encounter a delay. Travel insurance can give you the peace of mind that comes with knowing you can recover a portion of the cost of your trip if something goes wrong or you have an emergency.

Where can I purchase travel insurance?

You can purchase travel insurance through independent insurance companies, many of which offer a range of insurance products. Some of the most well-known names in travel insurance include Allianz, Nationwide and AIG. If you booked your vacation through a travel agency, your agent might also be able to recommend and book travel insurance for your journey.

What is the difference between travel insurance and a medical plan?

Travel medical insurance is a limited type of health insurance coverage that can help you pay for treatments and emergency services you require abroad. While you likely have a medical plan in the form of health insurance through your employer, most insurance companies don’t extend benefits to international services. Travel insurance covers medical expenses like a domestic medical plan but allows you to file claims for specific services and treatments received abroad.

If you have questions about this page, please reach out to our editors at [email protected] .

June 1, 2020

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Can I Get Travel Insurance for Pre-Existing Medical Conditions?

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Table of Contents

What is considered a pre-existing condition?

How to qualify for a pre-existing medical conditions waiver, where to find coverage for pre-existing conditions, travel insurance for pre-existing conditions, recapped.

Although trip delay and baggage loss insurance are good to have, purchasing a medical insurance policy before hitting the road can be the difference between an expensive vacation and a really expensive vacation. Those with pre-existing conditions may be wondering if they can still get travel insurance. Luckily, the answer is yes.

Here’s where to look for and how to get travel insurance for pre-existing medical conditions.

» Learn more: What to know before buying travel insurance

A pre-existing condition is an illness, injury or medical concern that has included exams, treatments or a change in prescribed medication within 60 to 180 days of purchasing a travel insurance policy. The condition doesn’t have to be diagnosed formally to be considered a pre-existing condition.

For example, say you go on a bike tour of Amsterdam and suffer a mild heart attack. If a doctor had diagnosed hypertension (high blood pressure) a few weeks before your trip, this is considered a pre-existing condition.

So, what does a pre-existing medical condition mean for travel insurance? The good news is that having a pre-existing condition doesn’t preclude you from traveling or being eligible for medical coverage. Many comprehensive plans cover pre-existing conditions and can help you recoup your money if you require medical treatment during your trip or have to cancel a trip altogether because of a medical issue.

To avoid being on the hook for medical bills abroad or losing a deposit before you even pack your bags, look for a policy that includes a pre-existing condition waiver. Read the fine print on the insurance provider’s website; there shouldn’t be an age limit on most plans, and the premium shouldn’t cost more than it would for people without pre-existing medical conditions.

As long as you’re medically fit to travel, you can qualify for a pre-existing condition waiver if you meet the following criteria and apply within the eligible timeframe:

A pre-existing condition must be stable.

You must buy coverage at the time of your first trip deposit or shortly thereafter (time frame varies by company).

Amount of coverage must be equal to all pre-paid, non-refundable costs.

For example, if you put down a 50% deposit on a safari in South Africa, you must buy travel insurance within the time specified by the insurance provider to be eligible for a pre-existing medical conditions waiver. If you wait too long to purchase coverage, you'll have missed the coverage purchasing window and the waiver won’t be applicable to your trip.

We recommend purchasing a travel insurance policy as soon as you make the first deposit on a trip.

If you don’t qualify for a waiver, then a travel insurance company has a right to look back at the traveler’s medical records for the last 60 to 180 days (varies by plan), which is called a look-back period. This is done to determine whether you’re filing a claim for an incident related to a pre-existing condition, which then determines whether it’s going to be covered or not.

The pre-existing medical conditions waiver may also provide coverage in the case of a non-traveling family member having a medical problem mid-trip. This varies by plan.

» Learn more: The best travel insurance companies

With so many providers to choose from, it’s hard to make the right choice. So, which travel insurance for pre-existing medical conditions is best?

You can turn to travel insurance companies such as Allianz , Travel Guard by AIG or RoamRight to locate the right plan for your trip.

Instead of getting quotes from every travel insurance company under the sun, we recommend InsureMyTrip, which is a free comparison site that allows you to get quotes from multiple providers at once.

To start a quote, you must:

Select your travel destination.

Provide travel dates.

Disclose your citizenship and the state where you live.

Select the number of travelers and their ages.

The website will ask you additional questions, such as:

Whether you’re taking a flight, going on a cruise or renting a vacation home.

The total cost of nonrefundable expenses, such as flight costs, hotel bookings and tours.

The date you made the first payment toward the trip and viewed your coverage options.

You can sort and filter your results in multiple ways. Compare the plans offered and make a selection based on price, insurance provider reviews or the included coverage.

Keep in mind that it’s not possible to find annual travel insurance for pre-existing medical conditions. Comprehensive plans that include coverage for pre-existing conditions can only be purchased for every trip separately.

Yes, it is possible to find travel insurance coverage suitable for trip takers with qualifying pre-existing conditions.

The best travel insurance options for travelers with pre-existing medical conditions include Travel Guard by AIG and Allianz .

Unless you purchase a plan with explicit coverage for pre-existing medical conditions, you can generally expect that costs related to these conditions pre- or mid-trip are excluded from a travel insurance policy. For plans with the option to cover pre-existing medical conditions, qualified travelers can select a Waiver of Pre-Existing Medical Conditions.

Example eligible conditions include illnesses, injuries or medical concerns that have included exams, treatments or a change in prescribed medication within 2-6 months of purchasing a travel insurance policy (depending on the provider).

The best travel insurance options for travelers with pre-existing medical conditions include

Travel Guard by AIG

Optional travel insurance certainly can protect you from the unexpected. To obtain coverage for a pre-existing condition, make sure to follow all the rules of the policy you’re about to purchase. Buy a policy within the specified time frame and declare all nonrefundable expenses accurately.

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

on Chase's website

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

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 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.