kogan travel insurance

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Kogan Travel Insurance

Our verdict: with competitive benefit limits, and 24/7 emergency support, kogan travel insurance can offer plenty of peace of mind ahead of your next getaway..

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Kogan travel insurance deals, summary of kogan travel insurance, how does kogan cover covid, what policies does kogan offer, here's a breakdown of kogan travel insurance features, standard features, optional add-on, how to make a kogan travel insurance claim, here's the bottom line about kogan travel insurance, frequently asked questions.

Destinations

• Kogan offers COVID coverage of up to $5,000, which should be enough for most travellers. We also liked its missed connections cover of up to $3,000, and its high personal liability cover of $5 million
• A rental car insurance excess limit of $10,000 – for domestic and international – beats most of the market.
• Being able to set your trip cancellation benefit limit and your policy excess adds flexibility to your cover.
• Kogan offers $12,000 in cover against the theft or damage to your luggage. This is competitive but Southern Cross Travel Insurance offers more.
• By choosing Kogan's Essentials policy, you won't be covered for pre-trip cancellations if you get COVID and can't travel

Get 12% off Kogan travel insurance policies

Use this promo code to get a 12% discount. T&Cs apply.

Table updated March 2024

Not all providers will offer coverage for COVID; Kogan does. The main benefits are as follows:

• Overseas medical expenses if you're diagnosed while on your trip.
• Pre-trip cancellation and amendment costs of up to $5,000 to change your travel plans if you or a companion are diagnosed prior to your travel.
• multi-night cruises . If you add cruise cover to your policy, you'll be covered with medical and dental benefits if you get infected with COVID.

Keep in mind. Not all situations linked to COVID disruption will be covered. You should review Kogan's product disclosure statement (PDS) before making a decision on whether this cover meets your needs.

In total, Kogan offers 3 policies. These are: International Plus, International Essentials and Domestic. You can opt for single or multi-trip insurance depending on your needs.

In short, a Kogan travel insurance policy offers cover for:

International – Plus

International – Essentials

The cooling-off period of your policy is 21 days (better than the 14-days offered by some insurers). You can cancel or change your policy during this time for a full refund.

Your policy excess is the contribution you need to make towards a claim. By choosing a higher excess, you can save on the upfront cost of our cover.

Below are some of the key policy benefits. Compare these and see if Kogan travel insurance can offer the right policy for you.

• Luggage and personal items
• Trip cancellation or amendment before you depart
• Accidental death
• Medical and evacuation
• Changes to your journey once you've left
• Emergency dental work
• Missed connections and travel delays
• Loss of income
• Disablement
• Your passport, credit cards and other travel documents
• Costs linked to special events you've missed
• Personal liability
• Rental car excess

With Kogan, there are a bunch of extras you can choose for added peace of mind. You'll need to pay to get any optional covers included in your policy.

• Adventure activities, sports and motorcycles . Kogan offers cover for a range of pursuits: from jet skiing to abseiling to snow sports such as skiing or snowboarding. You can also add cover if you plan to ride a motorcycle or a moped on your travels. Always keep an eye on policy exclusions for these – one example being the need to wear a helmet.
• Increased luggage cover for expensive items If the value of any items you're taking exceeds the single item limit of your policy – such as a pricey set of golf clubs or a camera – you can pay a fee to increase your cover limit for that item.
• Cruise cover Get added cover if you're travelling for 2 or more nights on a cruise. Kogan offers unlimited cover for on-board medical and dental treatment and sea sickness. Other benefits include a useful $1,000 in protection if you miss any pre-booked tours if your cruise gets delayed.
• Pregenancy According to Kogan, you can add pregnancy cover for "serious, unexpected pregnancy complications" up until the 24th week of your pregnancy. A number of restrictions apply so check the PDS for more detail on this.

As with any travel insurance , some situations won't be claimable. These are called exclusions . Here's a selection you generally won't be covered for:

• Any pre-existing medical condition that hasn't been agreed to be listed in your insurance
• Pregnancy after your 24th week; childbirth
• Any event where you were under the influence of alcohol or drugs
• Travelling against medical advice
• Travelling against government advice
• Carelessness – such as if you leave your luggage unattended

Always read the product disclosure statement (PDS) so that you're aware of any restrictions or exclusions that apply. Speak to the insurer directly if you want added peace of mind.

If you need to make a claim, you can do so online or over the phone. Kogan also makes it easy to track claims. The process is managed online through Kogan's Online Claims Centre.

To speak to someone about your policy, you can call Kogan's customer service team on 1300 889 178.

Kogan has 3 core policies and lots of options to add more if needed: from cruise cover to adventure sports and more. Its policies are market competitive and flexible – this is underscored by the fact you can choose your own trip cancellation cover limit. It's reassuring to know you can call on Kogan's 24-hour emergency medical and security support in case of any mishaps on your travels.

Kogan's entry-level option – International Essentials – is quite basic though. There's no baggage cover and you won't be covered for pre-trip cancellations linked to COVID.

If you're still not sure about Kogan travel cover, compare more travel insurance providers .

Is there an age limit on Kogan policies?

The age limit for a travel insurance policy with Kogan is 79.

Are there any sign-up offers with Kogan travel insurance?

Kogan regularly runs promotional deals – at the time of writing, this provider offered new customers $20 in Kogan.com credit – so long as your premium costs at least $100. The deal was set to end on 6 March 2023.

Are pre-existing medical conditions covered by Kogan travel insurance?

Kogan doesn't list automatically included pre-existing conditions in its policy wording. You'll need to declare any medical conditions you have during the application process and see if you'll be able to get cover for your particular condition. Read more about how pre-existing conditions work here.

Can I extend my policy?

Yes. You can extend your policy while overseas, provided that you inform Kogan Travel Insurance ahead of time that your policy's due to expire. Restrictions apply so check your policy wording for more.

James Martin

James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, WIN News, Insurance News, 7NEWS and The Guardian. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146).

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4 Responses

I am 83 years old and going on a cruise to Papua New Guinea for 10 days. Can I get travel insurance? Thanks.

Kogan has an age limit of 99 for international insurance. You might also like to look at our guide on travel insurance for over-75s .

I hope that helps.

Do you cover US Citizens? I will be traveling to Bali for 1 week then Australia for remainder of 3 month period. Can you provide medical dental hospital coverage in both countries for this trip?

Thank you for getting in touch with finder.

Kogan Travel Insurance includes cover for overseas hospital, medical, surgical, nursing, ambulance and emergency dental expenses. A non-Australian citizen like a US citizen can be covered by Kogan Insurance if he has a home in Australia and holds a current Australian 457 Visa which will remain valid beyond the period of the trip. Also, the traveller must be not older than 74 years old at the time of purchasing the policy. Lastly, the trip commences and ends in Australia, therefore the traveller must have a return ticket to Australia.

I hope this helps.

Please feel free to reach out to us if you have any other enquiries.

Thank you and have a wonderful day!

Cheers, Jeni

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Simple insurance starts here

1300 034 888

Travel Insurance Claims

When you travel with Kogan Travel Insurance cover, you can rely on us to help in the event of an accident. If you need to make a claim, please do so online or call 1300 889 178. If you need emergency assistance while travelling, please use the numbers below.

When travelling, you have access to our emergency assistance team of doctors, nurses, case managers and travel agents 24 hours a day, 365 days a year. For 24 hour emergency assistance please call Australia DIRECT and TOLL FREE from:

USA 1866 309 2123

Canada 1866 773 9314

UK 0808 234 1522

NZ 0800 498 654

Charges may apply if calling from a pay phone or mobile phone.

From all other countries or if you experience difficulties with the numbers above:

Call direct: +61 2 8907 5206

Travel Insurance Product Disclosure Statement

Helpful information

• Always keep your policy number handy when you travel. It will help us to help you faster if you need to call.
• In the event of an urgent overseas emergency notify us as soon as possible, 24 hours a day 7 days a week on our 24 hour emergency assistance line: +61 2 8907 5206
• Keep receipts for expenses and lost or stolen goods.
• Hang on to any valuables that get damaged – we will need documentation confirming whether it is repairable or not in order to finalise a claim.
• If your journey is delayed or cancelled, always get written confirmation from the travel agent, tour operator or airline.

Please note: Limits, sub-limits and conditions apply. This is general advice only. Please consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations visit koganinsurance.com.au/useful-docs/ .

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7 Best Cheap Travel Insurance Companies in April 2024

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

Finding the cheapest travel insurance is often a priority for travelers hoping to protect themselves and their finances while away from home.

But is it better to err on the side of affordable travel insurance or opt for a more comprehensive plan? That depends on your needs .

On average, a comprehensive plan that covers some combination of trip cancellation and interruption costs, medical coverage and baggage protection (and perhaps a number of other things) will cost you 5%-10% of what you paid for the trip, according to NerdWallet partner Squaremouth, a travel insurance marketplace.

That means a comprehensive policy for a trip that costs you $3,000 could run you anywhere between $150 and $300. Factors like the cost and length of your trip, the age of the travelers and how much protection you want can significantly influence what you pay for your plan.

Ultimately, Squaremouth recommends “the least expensive policy that offers the coverage [travelers] need.”

» Learn more: The best travel insurance companies right now

Factors we considered when picking cheap travel insurance plans

We considered a few factors as we looked for the most affordable travel insurance plans.

Price: If your goal is to find cheaper travel insurance, you want the price to be affordable.

Breadth of coverage: The best budget travel insurance is typically going to be a plan that offers a wide range of protections at an affordable cost, ensuring you’re protected with at least some coverage for a wide range of scenarios.

Uniqueness or customizability : While many travel insurance plans have similar protections, some stand out for particular coverage that can be helpful to certain travelers, like those needing to Cancel For Any Reason , those going on a cruise, or travelers with preexisting health conditions. We didn’t spring for the priciest plans with broad, deep coverage; instead, we picked those that meet a sort of budget "sweet spot" when it comes to cost efficiency.

» Learn more: Is travel insurance worth getting?

An overview of the best cheap travel insurance plans

We looked at travel insurance quotes for a hypothetical 10-day trip to Italy in October 2023. The traveler is a 40-year-old man living in North Carolina who spent $2,000 on the trip, including airfare.

Reliable but cheap travel insurance providers

1. axa assistance usa (silver plan: $70).

Why we picked it:

The $500 missed connection benefit is great for cruise and tour participants. It covers additional transportation, accommodations and meal costs when you miss a cruise or tour departure.

Full trip cancellation and interruption coverage, along with up to $25,000 for out-of-pocket medical costs and baggage coverage.

Among the lowest prices we found.

If you’re willing to spend a bit more than AXA's $70 Silver plan, a Gold plan only costs $19 more and gets you deeper coverage amounts and up to $35,000 in collision rental car insurance.

2. Berkshire Hathaway Travel Protection (ExactCare Value plan: $56)

Cheapest plan we found while still offering a wide array of protections.

Includes a preexisting medical condition waiver.

Add-on rental car collision coverage optional for $10 per day. You can pick how many days you want the additional coverage — it’s not all or nothing.

At $56, this plan comes in at less than 3% of the $2,000 trip cost.

3. IMG (iTravelInsured Lite plan: $77)

Treats COVID-19 like any other illness, which is to say, if your claim accepts flu, strep throat or appendicitis as an acceptable, covered condition, the coronavirus is, too.

Covers costs related to trip interruption up to 125% 

Higher than normal limits on dental expenses, at $1,000. If your teeth are your Achilles heel (or your biggest fear), this plan might be for you.

The iTravelInsured Lite plan doesn’t offer some of the bells and whistles that other plans do, like rental car coverage , Cancel For Any Reason coverage or waivers for pre-existing conditions. But you’ll have relatively solid across-the-board trip protections.

4. John Hancock (Silver plan: $93 for a mid-tier plan)

Mid-level plan (as opposed to a basic plan) at an affordable price for travelers who want more coverage without paying too much.

Includes an optional Cancel For Any Reason add-on for travelers wanting flexibility. It is a bit pricey, at half the cost of the insurance ($46.50 extra for a $93 plan).

Reimburses up to $1,000 for lost baggage , far more than many basic plans.

Add-on rental car coverage for $9 per day.

At $88, John Hancock’s basic (Bronze) plan isn’t particularly affordable. But for just $4 extra, you can tap into the benefits of a mid-tier plan at still less than 5% of the total trip cost.

5. Nationwide (Essential plan: $76)

Includes a preexisting conditions waiver.

Add-on rental car coverage for $90. 

Covers trip interruption at 125% of the trip cost while providing comprehensive emergency medical and baggage coverage.

6. Seven Corners (Basic plan: $75)

On top of standard trip protections, it includes a relatively affordable Cancel For Any Reason option for $31.50 extra.

If you plan to rent expensive sporting equipment, you might consider paying $10 extra to cover lost, damaged, stolen or destroyed gear.

COVID-19 coverage reimburses you for costs incurred if you have to quarantine .

Rental car coverage comes in at an affordable $7 per day.

Seven Corners’ Basic plan stands out because it offers a little bit of everything, appealing to athletic travelers, those who need affordable trip protections, those who want the flexibility to cancel for any reason and those still concerned about getting quarantined due to COVID-19.

7. Travelex Insurance Services (Basic plan: $71)

Straightforward: What you see is what you get. This plan’s coverage has fewer rules and caveats than many. 

While not sporting the highest coverage amounts, it offers a solid range of protections to ensure you get at least something back when your travel is disrupted or you have a medical emergency.

Offers add-on rental car coverage for $10 per day.

At $71, the Travelex Basic plan’s cost is just over 3% of the $2,000 trip’s cost.

If you want to get travel insurance at the cheapest possible rate, here’s a trick. Put $0 as your trip cost, Stan Stanberg, co-founder of comparison site Travelinsurance.com said in an email.

“When excluding trip cancellation and trip interruption coverage the cost of a travel insurance plan goes down significantly,” Stanberg said.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical, trip delay , missed connection, baggage and other protections.

You’ll often find comprehensive travel insurance plans cost 5%-10% of your total trip cost, according to Squaremouth. This will often get you full trip cancellation and trip protection, baggage protection, emergency medical coverage and often other benefits.

Typically, the more you pay, the broader and deeper the coverage.

For many plans, you can purchase travel insurance up until you depart. However, to get access to the most protections possible, booking two days to two weeks after making your initial deposit is the best rule of thumb.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical,

, missed connection, baggage and other protections.

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.

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.

How do I sign in to my Kogan.com account? 19 Mar 2024 • Knowledge

Information, article details.

To sign in to your  Kogan.com  account, please follow these steps:

1.  Click on the 'Sign In' button in the top right corner of any page on the  Kogan.com website .

  If you are using the  Kogan.com  mobile app, you can access the login screen by: iOS -  Selecting the bottom-right 'Account' tab, then tapping 'SIGN IN OR SIGN UP'. Android -  Selecting the bottom-right 'Account' tab, then tapping 'SIGN IN OR SIGN UP'.  

2.  Choose a login method: Email, Facebook, Google+ or PayPal.

3.  If you are using an existing email, enter your email address and password, then click 'CONTINUE'.

You will now be signed in to your account and your first name will appear in the place of the 'Sign In' button.

If you have any issues with your  Kogan.com  password, you can follow  these steps  to reset it.

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Has anyone booked through Kogan? What are your thoughts? - Bargain Travel Forum

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Has anyone booked through Kogan? What are your thoughts?

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I received my standard email from Kogans selling cheap products and I looked into their travel package deals. They advertise some great deals but, sadly, I am a bit sceptical. Has anyone booked through them and had either good or bad experiences they would like to share? I've done extensive travel but would like to take hubby to some special places I've seen but time and money are an issue seeing we are retired. There is a short trip to Egypt I'm very interested in. Any advice would be appreciated.

Just searched 'all forums' on TripAdvisor using the search box just above your question and found only one brief mention of Kogan Travel. I thought there would be a bit more than that. I've bought IPads from Kogan but never used the cheap Travel deals.

They do mention some good airlines but do say that price is based on getting sale or promotional fares and the flights may not be direct. It does say once a booking date is confirmed the trip is non-refundable. I guess you would need good Travel Insurance organised in case you could not travel.

Not sure about this bit >>>>

"Once you complete your purchase, you will be emailed a confirmation and unique booking code. Please follow the instructions on your email to redeem your voucher" <<<. Voucher?? Sounds like you get a voucher for use on some other site, maybe the actual company doing the tour? I think I'd like to know who's running the tour before I pay.

I'd read all their Terms and Conditions very carefully.

BE WARNED BE WARNED BE WARNED BE WARNED

I GOT CAUGHT!

Kogan TRAVEL staff, have cause us nothing but grieve from the start, Worst booking experience EVER, Real pain in the b-------------

You can only get basic information on online, , nothing of associate costs etc. until you pay IN FULL

THEN, THE INSTANT, yep the INSTANT YOU PAY, It's CLASSED AS CONFIRMED . NO REFUNDS, NO CHANGES, not even bookings 9 months in advance. CAST IN CONCRETE, , UNCHANGEABLE

Kogan use Grand Continental Vacations PTY LTD, for China

They have been very helpful, during this time I am sure their tour will also be value when we now go.

Hi, re your question on Kogan Travel.

Basically just an agent for other travel agents who in turn are agents who in turn etc etc.etc. What you finish up with is a washed down version of what you are expecting.

You really have no idea who you are travelling with. I did a trip with Kogan Travel and frankly very disappointed with the service they gave. Have bought electrical stuff from Kogan and always had good results and service, not so with the travel side of the Kogan empire.

Many and I mean very many emails from me and an other couple who were on basically the same trip - except they got tow extra days for almost the same money, we didn't get any great results from them It appears to me that they are very amateurish and inexperienced in what they are doing.

I went as far as trying to contact Mr.Kogan himself on his Facebook page but didn't get any reply even after two requests that he contact me, very disappointing as I did believe him to be a very good business man.

On the experience we had, I cannot recommend Kogan Travel.

Suggest you look at more established travel agents.

I wont bad mouth, as I got what I wanted. But, any normal person would have no chance..

Like you, have bought goods with no problems.

But their travel dept customer service, policies, very disappointing, MIGHT rate a one.

I believe that when you hunt for a bargain to save money, you end up just spending more than if you went direct. Plus not to mention all the drama that may unfold.

I'd rather just buy cheaper products from Kogan that if something went wrong it'd not cost me a fortune to get out of.

Don’t do it

Went on a Kogan tour to Vietnam. Utter nightmare. Accommodation would change to that on the itinerary. Slugged exra money being peak season whichwas a joke it was wet season. (And this charge was not on original invoice basically told you few days before your travel x no pay no go)Hotel transfers nonexistent. Most of the tour was with my partner you would be with other travellers for a day or two and then by yourself. We had had enough and came early.

This might be a late reply but I used Kogan to book an Alaska/Canada cruise/tour with them last year and they delivered as advertised. Wouldn't hesitate to use them again.

I booked tour on line. Thought it strange to pay before anything was confirmed (I even rang to make sure I was doing things the right way -- was told I was). A day or so later I was rung by a Melbourne travel agent and told my dates were not available anymore. Could I travel later in the year? I said "no". I received a refund within a few days.

The trouble is that the Kogan "system" which is quite good for buying THINGS (the last thing I bought from them was a mop for cleaning tiles) is completely unsuited to the travel industry. I can't comment on the tour quality but the system does not let you examine whether you are buying what you want. When you actually talk to a travel agent you usually know within a few minutes whether that tour is for you or not.

Booked a China trip through them and it was exactly as advertised. Booking Europe next year through them.

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AIG Travel Guard insurance review: What you need to know

Whether you need an annual plan or a policy for a last-minute trip, travel guard can deliver..

Travel Guard is one of CNBC Select 's picks for best travel insurance , thanks to its wide range of customizable policies. But are any of them right for you? Below, we review the provider and its offers and how they compare to the competition to help you choose the right travel insurance for your next trip.

Travel Guard review

Other insurance offered, how it compares, bottom line, travel guard® travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

24/7 assistance available

• A variety of plans are available to help cover different types of trips
• Not all products are available for purchase online

Travel Guard® is a global travel insurance provider specializing in plans for leisure and business travelers. Its online travel insurance packages include five options, from basic and last-minute trip coverage to more comprehensive plans. This allows travelers to pick a plan that best matches their situation.

For example, budget-minded travelers might go for the Essential Plan which offers basic protections, such as trip cancellation, interruption and delay insurance, coverage for lost, damaged and delayed baggage, and medical, evacuation and death coverage.

On the other hand, the Deluxe Plan — the most comprehensive option — adds such extras as missed connection coverage, security evacuation, travel inconvenience benefits and more. It also boosts high limits for essential coverages.

Last-minute travelers can opt for the Pack N' Go Plan which only includes certain post-departure coverages. Or, if you travel often, the Annual Plan can cover your trips throughout the year.

Finally, Travel Guard offers "offline" travel insurance packages, meaning you'll have to call if you're looking for a specialty plan.

Coverage types

Depending on the plan, here are the types of protection Travel Guard can include in your package:

• Trip cancellations
• Trip interruption
• Baggage coverage
• Baggage delay
• Travel medical expenses
• Travel inconvenience benefits (reimbursement for such situations as runway delays, cruise diversion and other unforeseen situations)
• Medical evacuation
• Trip Saver (reimbursement for meals, hotels and transportation if you need to begin your trip sooner due to weather or airline changes)
• Trip exchange (reimbursement in case you have to cancel your trip and book a new one due to covered unforeseen circumstances)
• Security evacuation (due to a riot or civil disorder)
• Flight guard (coverage for accidental death or dismemberment that occurs when traveling by plane)
• Pre-existing medical conditions exclusion waiver

You can also customize your plan with add-ons, such as car rental insurance and "cancel for any reason" coverage .

Travel Guard landed on our list of the best travel insurance companies thanks to its variety of coverage. With plenty of options to choose from, both online and offline, it's easy to build a policy that meets your needs.

Travel Guard also features 24-hour concierge services that you can use to book a new flight in case of an emergency or delay.

The provider's website also offers informational resources — here, you can check travel news, read safety tips and find general travel advice. Additionally, the website lets you modify your plan, file a claim and check its status, or apply for a voucher or refund.

As of writing, Travel Guard doesn't offer any discounts. That's common for travel insurance — you're more likely to find deals when shopping for other types of insurance, such as home and auto insurance .

Travel Guard is a portfolio of travel insurance and travel-related services offered by AIG Travel, a member of American International Group (AIG). AIG also offers life insurance and a variety of business insurance products.

Travel Guard makes it easy to get a travel insurance policy customized to your needs. But before you purchase coverage, it's always a good idea to shop around.

For example, if you're going on a cruise, you might want to look at Nationwide Travel Insurance . The provider advertises cruise-specific insurance with three plan options available. This type of coverage is designed with issues unique to cruises in mind — from ship-based breakdowns to missed pre-pard excursions.

If you're planning a more active trip filled with rock climbing or sky diving, Berkshire Hathaway offers the AdrenalineCare® plan which features coverage for unforeseen costs that result from participating in extreme sports on your trip, as well as reimbursement for sporting equipment delay. Pre-existing conditions are covered under this plan (if you meet qualifying conditions).

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

As you can see, offerings vary by provider. It can be helpful to compare multiple companies and the plans they offer to find what works best for you. It's even better if you gather several quotes to ensure you're getting a good price for your policy.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Travel Guard offers plenty of ways to customize your policy, making it a solid choice for travel insurance. You can also access additional options by giving Travel Guard a call. However, make sure to check out other travel insurance companies too — comparison shopping is essential when picking any type of financial product.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

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