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6 Best RV Insurance Companies of 2024

Table of Contents

  • Best RV Insurance
  • Things to Consider When Buying
  • How We Chose

RV insurance policies are designed to provide protection for various types of events, including when your vehicle causes damage or injuries to others and when your vehicle incurs damage or loss.

Like other types of vehicle insurance, there are different levels of coverage available. This includes full-time RV insurance for those who live in an RV as their permanent residence and part-time insurance for RV owners who use the vehicle on a part-time or occasional basis.

No matter how often you use your vehicle, nearly every state requires liability coverage of some sort when you operate an RV. Additional coverage available for RVs includes collision insurance , which addresses the cost of repairs in the event of an accident involving another vehicle and comprehensive coverage , which is designed to cover such incidents as vandalism and theft, among other things. There are also many different types of add-ons and discounts available when selecting RV insurance.

Below we identify the best RV insurance providers, based on extensive research and taking into consideration such factors as policy offerings, extras, information availability and transparency on company websites, and more.

  • Best Overall: Progressive »
  • Best for Full-Time RVers: Good Sam Insurance Agency »
  • Best for Part-Time RVers: National General »
  • Best for Diversity of Coverage Options: Allstate »
  • Best for Policy Discounts: Nationwide »
  • Best Customer Service: Geico »

Best Overall:  Progressive

Insures all types of motorhomes

Extensive variety of discounts available

Offers full-time RV coverage

Total loss replacement not available in all states

Progressive is our top choice for RV insurance based on analysis of its offerings and the competition. Progressive insures a wide range of RVs including Class A, Class B, and Class C motorhomes. It also ensures conventional trailers and fifth-wheel trailers. Not all insurers offer coverage for such a diverse range of RVs.

Progressive also makes it very easy to identify any discounts that may be available. When requesting a policy quote, the Progressive platform shows users multiple ways to save on policy costs. There’s also a significant number of discounts offered, including original owner, multi-policy, pay in full, responsible driver, prompt payment, claim-free renewal, homeowners, continuous coverage, and paperless discounts. Disappearing deductibles, which represent another option, are also offered by Progressive. As part of this discount, for every claim-free period on your policy, Progressive says it will subtract 25%and will keep doing so until you reach $0.

Progressive’s policy options include coverage for those who use their RV full-time or as a residence. Policies for these customers provide coverage similar to homeowner’s insurance, including personal liability and loss assessment. Another feature we liked, in contrast to some other RV insurance providers, Progressive’s website is detailed and very informative, making it easy to learn about the various policies available, as well as add-ons, and discounts.

One significant drawback for some: Progressive does not offer total loss replacement in all states. If you own a newer RV or a particularly expensive RV, not being able to access total loss coverage can be a dealbreaker. You will need to check with your Progressive agent or speak to an agent on the phone to determine what coverage is available in your state.

Coverage Types:

  • Comprehensive and collision
  • Uninsured/underinsured motorist
  • Medical payments

Discounts and Benefits :

  • Original owner
  • Multi-policy
  • Pay in full
  • Responsible driver
  • Prompt payment
  • Claim-free renewal
  • Continuous coverage
  • Paperless 

Add-Ons and customization :

  • Roadside assistance
  • Total loss replacement
  • Replacement cost/personal effects
  • Vacation liability
  • Full-timer’s liability
  • Loss assessment
  • Emergency expense coverage
  • Pet injury coverage
  • Roof protection plus
  • Pest damage protection

AM Best financial strength rating :

  • A+ (Superior)

Good Sam Insurance Logo

Best for Full-Time RVers:  Good Sam Insurance Agency

Covers all types of RVs

Provides coverage in Mexico

Insurance agency, not a direct insurer

Poor customer reviews of roadside assistance

Not all RV insurance providers offer policies for full-timers, but Good Sam does. It also offers customizable coverage options designed specifically with full-time RVers in mind. For those who use their RV six months or more annually, the full-timer’s plan offers personal liability loss coverage beyond that tied to a vehicle accident. Additional options available for full-time RVers include medical payments to others, personal belongings coverage, and emergency expense allowance. And because Good Sam utilizes a network of specialty RV insurance carriers to provide coverage – unlike other firms in this article, Good Sam is an insurance agency, not an insurance company – most RVers should be able to find coverage for any lifestyles and budgets.

It’s also worth noting that Good Sam can connect you with insurers that offer coverage for travel in Mexico, which is not something all companies offer. Good Sam discounts include multi-vehicle, multi-policy, and paid-in-full. There’s also a storage discount that allows policyholders to suspend most coverage options during non-travel seasons when your RV is in storage. The company says this discount can save users an average of 53%off insurance premiums when not using your motorhome, fifth-wheel, or travel trailer.

There are some drawbacks to consider when considering Good Sam as well. Most importantly, it is not a direct insurer. It is an insurance agency. The coverage itself is provided by such companies as Progressive, Safeco, National General, and others. As a result, coverage options may vary. In addition, there have been some customer complaints lodged with the Better Business Bureau (BBB) about Good Sam’s roadside assistance, which reviewers say has failed to meet the expectations of policyholders.

  • Comprehensive
  • Uninsured and Underinsured Motorist Protections
  • Personal Liability
  • Property Damage Liability
  • Bodily Injury Liability
  • Personal Injury Protection
  • Multi-vehicle discount
  • Paid in full discount
  • Multi-policy discount
  • Storage option discount
  • Full replacement cost coverage
  • Full-time RVer coverage
  • Personal effects coverage

National General Logo

Best for Part-Time RVers: National General

Ability to pause coverage when RV is not in use

Purchase price guarantee coverage

Website lacks detailed information about policies

Does not cover all RV types; only Class A, Class C and toterhomes

One of the most notable features of National General’s offerings is the ability to pause coverage when you’re not using your RV. This is a potentially valuable money-saving feature for those who do not intend to drive or live in their RV full-time. For months when your RV is in storage or not being used, the pause option suspends collision and liability coverage, which the company says saves policyholders as much as 53%on premium costs.

The purchase price protection add-on offered by National General is another feature worth considering, especially if you’re driving an expensive new RV. This coverage can be added to your policy within an RV's first 9 model years and it pays up to the original purchase price of an RV, in the event your vehicle is totaled and needs to be replaced.

Some customers may be frustrated by National General’s website, which isn’t as user-friendly as those of some competitors. The publicly available information about policy offerings is limited, making it difficult to get all your questions answered if you’re policy-shopping online. In addition, the company does not cover all RV types. It only covers Class A, Class C, and Toterhomes. But the only way to find this out is to go through the steps of obtaining a quote on the company’s website.

Also you need to be aware that coverages and discounts as well as features, benefits, and pay plans may vary by states. You will need to verify what is available for your state with an agent.

  • Multi-vehicle discounts
  • Diminishing deductibles
  • Storage savings option
  • Purchase price guarantee
  • Emergency expense allowance
  • Specialized equipment coverage

(Allstate Logo)

Best for Diversity of Coverage Options: Allstate

Long list of coverage options

Offers full-time RV insurance

  • RV safety course discount

Fewer discounts listed then some other insurers

Website lacks specifics about policies

The RV coverage options available through Allstate are extensive. In addition to the basics, such as bodily injury liability, property damage liability, collision coverage, and comprehensive, Allstate offers such options as vacation liability, pet coverages, tow bar coverages, and emergency expense coverage. Allstate’s policy options also include full-timer’s liability coverage. This coverage is available to those who use an RV as a permanent residence for more than six months annually. Allstate also offers a policy discount to those who take an RV safety course, something that is not offered by all insurers.

Still, the discount options listed on the Allstate website are limited compared to the competition. Beyond the safety course discount, the potential price cuts include homeowner discount , married discount, pay in full discount, and paperless discount. Other companies offer a wider variety of ways to reduce policy costs.

Coverages and discounts may vary by state. Speak with an agent to see what is available for you.

  • Bodily injury liability
  • Property damage Liability
  • Collision coverage
  • Comprehensive 
  • Medical payments coverage
  • Uninsured and underinsured coverage
  • Personal injury protection coverage
  • Homeowner discount
  • Married discount
  • Pay in full discount
  • Paperless discount
  • Personal effective coverage
  • Emergency expenses
  • Full timers liability coverage
  • Pet coverage
  • Tow bar coverage

Nationwide Renters Insurance logo

Best for Policy Discounts: Nationwide

Variety of discounts available

Towing coverage includes lodging and meals

Limited optional coverages

No online quote option

Nationwide offers a variety of discounts in association with its RV policies including multi-policy and multi-vehicle discounts, RV safety course, paid-in-full, good driver, prior insurance, and claims-free renewal. It also offers a discount for RV association membership, which is not offered by many competitors. Those who are members of an RV club, such as the National RV Association, may be eligible for a policy discount.

Nationwide offers comprehensive roadside assistance. Using its mobile app when roadside assistance is needed, you can track service in real time, get status updates on a driver’s arrival, and read Google reviews of area repair facilities. The emergency assistance program is available 24-hours a day and includes towing, jump start, gas delivery, flat tire changes, and winching. When you add the optional towing coverage to your policy, you’ll also get coverage for trip interruption expenses including lodging, transportation and meals.

Nationwide’s optional coverages, however, are limited compared to the competition. It offers less than a half dozen choices: roadside assistance, towing and labor, vacation liability, safety glass replacement, and replacement cost and scheduled personal effects. This can be challenging for RVers seeking coverage for such things as pets, or other unique needs. The company also does not provide the option to obtain a quick policy quote via its website. Instead, you must call and speak with an agent. The agent will be able to share what coverages are available in your state.

  • Property damage liability 
  • Uninsured motorist
  • Underinsured motorist
  • Multi-vehicle
  • RV safety course
  • RV association
  • Paid in full
  • Good driver
  • Prior insurance
  • Claims-free renewal
  • Towing and labor
  • Safety glass replacement
  • Replacement cost and scheduled personal effects

Geico Logo

Best for Customer Service:  Geico

Coverage for motorized and towable RVs

Widely available across U.S.

Enhanced RV coverage is not available in all states

RV policy discounts not listed on Geico website

Geico is well-known for its admirable customer service and this holds true for its RV insurance. Customer service representatives are available around the clock, 24 hours a day, seven days a week. Customer service can also be reached through the Geico app or online via live chat on the company’s website. The variety of ways to communicate is not something offered by all providers and can be especially reassuring in an emergency situation.

Geico also provides coverage for a variety of motorized and towable RVs. The motorized RVs covered include Type A motorhomes, Type B motorhomes (van campers) and Type C motorhomes (mini motor homes). Their travel traveler insurance encompasses conventional travel trailers, fifth-wheel travel trailers, travel trailers with expandable ends and even folding camper trailers and truck campers. And unlike many other insurers, Geico also covers toy haulers used to transport motorcycles and ATVs.

There are some limitations to Geico’s coverage, however. For instance, it does not provide “enhanced”RV coverage in Hawaii, Massachusetts, Michigan, or North Carolina. There’s also no information made available on the Geico website about RV policy discounts that may be available, which can make it challenging to quickly obtain a full comparison of Geico policies and options against the competition.

  • Defensive driver course completion
  • Having a commercial drivers license
  • Replacement cost personal effects
  • Special windshield deductible
  • A++ (Superior)

The Bottom Line

There’s a variety of RV insurance policy providers and options on the market, making it important to do your homework and understand the different choices and whether they suit your lifestyle, goals, and budget. If you’re a first-time RVer, be sure to ask a lot of questions so you know what you’re signing on for and what your policy will and won’t include. For sheer user-friendliness, Progressive can be a good place to start as its website provides a great deal of information up front.

Things to Consider When Buying RV Insurance

Coverage options: The coverage available for RVs varies widely. The standard coverages include comprehensive and collision, liability, uninsured/underinsured, and medical payments. Most states require liability coverage.

Policy exclusions: Most insurers have policy exclusions and items or incidents that they won’t cover. Some RV insurers, for instance, do not provide liability coverage for towable vehicles. It’s important to read the fine print and understand what is excluded before selecting a particular policy or insurance company.

Discounts and benefits: The best insurance companies offer a diverse range of discounts including multi-policy, multi-vehicle, safe driver, prior insurance, paid-in-full, and claims-free renewal. Some companies also offer more unique discounts such as RV association membership discounts.

How We Chose the Best RV Insurance

A number of expert sources were used to conduct this review. The selection was narrowed down with additional research, paying particular attention to policy add-ons, discounts, user-friendliness of websites and the transparency of available information. We also took the company’s AM Best financial strength rating into account, as well as consumer feedback from the Better Business Bureau (BBB).

Overall, we found that the best policy is one that combines a variety of coverage options, as well as a diversity of discounts and the ability to customize policies to meet your needs and RV usage styles.

WHY SHOULD YOU TRUST US?

Our contributors and editors have years of experience researching, testing, and reviewing products. Mia Taylor , the author of this piece, has nearly two decades of consumer news experience in insurance, personal finance, loans, debt, credit cards, real estate, and travel. She has worked for Fortune, Bankrate, Policygenius, TheStreet, Cheapism, Real Simple, Parents, Better Homes & Gardens

Progressive offers the most depth and breadth of coverage along with an easy-to-use website and an abundance of transparent information about its offerings. However, the best RV insurance will really vary based on your unique needs as an RVer, as well as your budget and coverage goals.

Full-time RVers will need a policy that’s specifically designed for their lifestyle. These policies are similar to home insurance policies and often include such features as personal liability and loss assessment coverage. Part-time RVs or occasional travelers will need less comprehensive coverage and may want to seek a policy that provides discounts for those times when the RV is in storage or not in use.

Some policies do cover belongings inside your RV, but you will typically need to add this type of coverage to a standard policy, which will increase your policy costs.

Some companies may provide rental reimbursement while an RV is being repaired. This would be an add-on feature, so be sure to ask about the availability of this option when shopping around.

Because trailers are not motorized, a separate policy is typically not required. In most cases, the liability insurance you have for the vehicle that’s towing the trailer will cover your trailer.

When renting out an RV that you own, you will need insurance that covers yourself during the rental period while other people are driving the vehicle. You will also need a separate insurance policy that allows you to rent your RV.

U.S. News 360 Reviews takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

RV Expertise

Best Travel Trailer Insurances

Travel trailer insurance isn't mandatory, but it's a good idea to get some. It's essential for protecting yourself and your investment when you’re going out on a trip.

Like auto insurance, travel trailer insurance policy provides financial protection in the event of accidents, injuries and other regrettable things. A good, honest insurance cover will reimburse you for repairs, hospital bills and offer liability protection in the event you injure someone or damage their property.

Read on for our list of the best travel trailer insurance companies and see which coverage best suits your needs...

Class C campervan and a starry night

  • Available in almost all states
  • Extremely high customer satisfaction scores
  • Excellent windshield repair and replacement plans
  • Includes emergency expense coverage with the basic plan
  • Offers replacement for personal effects for up to $100,000
  • Still not available everywhere
  • Replacement options automatically change over time

Geico’s insurance plan for travel trailers mainly covers comprehensive and collision needs. However, they include some extra benefits with these policies, including vacation liability coverage and emergency expense coverage. Geico also offers a medical payments coverage plan that will pay for medical treatments regardless of fault.

Geico stands out because of its excellent insurance packaging at reasonable costs. It includes some types of coverage that other providers charge separately for, making it an excellent deal for most users.

Geico may be known mostly for its advertising campaigns, but their RV insurance offers great coverage at reasonable rates. They’re a great choice if you want to get a simpler plan, without needing to pick and choose your coverage.

good sam for travel trailer insurance

There Are Plenty of Discounts

RV insurance is already affordable unless you add too many optional things to your coverage (see below for more on this), but it’s possible to reduce costs even further if you talk with your insurance provider.

The best discount is “not in use” discount. This goes by different names at different companies, but it broadly refers to discounted rates you can get when your RV is in storage for extended periods. A non-use discount can reduce insurance costs by as much as half, making it worth asking about.

Costs Can Add Up Quickly

Basic travel trailer insurance is highly affordable. If you can afford such a trailer in the first place, you can afford RV insurance. However, when you start adding on all of the optional upgrades, costs can start to get very high, very fast. Ultimately, you need to decide how to balance your risks with your insurance expenses and avoid paying too much.

Watch Out for Scammy Insurance Companies

Yes, we said it. There are many companies that try their best not to pay out, so don't go for something cheap from a company you've never heard of.

Travel Trailer Insurance FAQs

Here are some of the most common questions that people have about travel trailer insurance.

travelers travel trailer insurance

RV Insurance

Insurance for your RV, travel trailer, or camper.

Start a quote online or call (877) GEICO-RV (434-2678)

Log in to Your RV Policy

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Existing policyholder?

Get an RV insurance quote. Save today. Vacation tomorrow.

Make sure you have the right recreational vehicle (RV) insurance policy for your next trip. GEICO offers affordable RV insurance with great coverage for your needs.

We know you love the RV lifestyle – whether it's an RV, camper, motor home, or travel trailer. That's why GEICO's RV specialists are available to help you get the right RV insurance coverage for you.

Specialty RV protection on the open road.

RVers encounter unique situations on the road. With that in mind, GEICO offers these enhanced coverages in most states*:

  • Motorized RV insurance
  • Towable RV insurance

Learn more about the RV insurance coverages we offer.

Do you need RV insurance?

Most states require RV drivers to carry liability insurance, and the minimum requirements for RV are usually the same as for cars. Make sure you get the right camper insurance by educating yourself on your state's insurance laws and coverage requirements .

Protect your investment with additional coverage for specialty vehicles like RVs and travel trailers. Check out our special coverages to see how GEICO can help.

How much does RV insurance cost?

RV insurance costs depend on factors such as your state's insurance requirements, your driving history, and your needs. The deductibles, liability limits, and RV insurance coverage that you choose may affect the total cost.

The extra protection that comes with higher liability limits may increase the cost of your insurance. On the other hand, a higher deductible may reduce your RV insurance costs.

Unlock potential savings and peace of mind with RV insurance.

Maximize your savings.

  • Defensive Driver Discount
  • Good Student Discount
  • Military Discount
  • Multi-Vehicle Discount
  • Multi-Line Discount
  • Association Discounts
  • Commercial Driver's License Discount
  • Anti-Theft Discount

Pay Your Way

We offer convenient payment methods and plans :

  • Pay online, over the phone, or by mail
  • Choose to pay in full or in installments

Check Your RV Policy Anywhere

Take care of your RV insurance with an online account :

  • Get an ID card
  • View your policy details
  • File or track an RV claim

RV Insurance Coverage With GEICO

Motorized rv and towable rv insurance.

Enhanced recreational vehicle insurance coverages include:

  • Total loss replacement
  • Replacement cost personal effects
  • Vacation liability
  • Emergency expense coverage
  • Special windshield deductible
  • Recreational vehicle medical payments coverage
  • Medical payment coverage for a recreational vehicle

Travel Trailer Insurance

GEICO provides insurance coverage for these towable RVs and travel trailers:

  • Conventional travel trailers
  • Fifth-Wheel travel trailers
  • Folding camper trailers
  • Truck campers

GEICO even covers the toy-hauler you use to transport your motorcycle or ATV .

Need to speak to an RV insurance or motor home insurance agent?

You can reach us at (877) GEICO-RV (434-2678) for sales or service.

  • Sales Mon - Sun 8:00 AM - 11:00 PM (ET)
  • Service 24 hours 7 Days a Week

RV Insurance: Get the answers you need.

  • Do I need RV insurance? Absolutely, RV insurance is a smart move for protecting your home on wheels. Much like a car insurance policy, it provides coverage in case of accidents, theft, or damage. Plus, it often includes liability coverage, which is crucial for your peace of mind while you're out exploring the open road.
  • How much does RV insurance cost? The cost of RV insurance can vary widely depending on several factors. It's influenced by the type of RV you own (motorhome, travel trailer, fifth wheel, etc.), its value, how you use it (full-time or occasional trips), and where you're located. It's a small price to pay for the freedom and protection it provides as you travel in your RV.
  • What RV insurance coverages are available? GEICO offers a range of coverages such as total loss replacement and vacation liability to protect your RV and provide you with peace of mind while on the road. These coverages are designed to address various risks and potential losses that RV owners may face. For more information on the types of coverage available, check out our RV coverages page .
  • How do I get the best RV insurance rates? You can customize your RV insurance policy and find a few ways to possibly lower your insurance rates. You should consider whether you're storing your RV in a safe and secure location, decide how you will use your RV, change your insurance deductible, and more.
  • How can I avoid common RV problems? You can't predict when a problem will occur but you can help avoid them with simple maintenance. You should check your tires regularly, keep tires properly inflated, replace the old sealant around all windows, and constantly maintain your RV. To protect yourself financially, you should also have RV insurance. For more info, check out our common RV problems page .
  • What RV type is right for me? Deciding which RV is right for you comes down to personal preference and needs. Consider factors like whether you need a self-propelled or towed RV, the amount of weight your vehicle can safely tow, and the amount of RV space you need. For more guidance on selecting the right RV type, be sure to check out our help page .
  • Where can I learn more about RV safety? To learn more about RV safety, you can check out our safety tips for RVs . These tips provide valuable information and guidelines to make a safe and enjoyable RV experience more likely. By following these tips, you can enhance your knowledge and take precautions designed to help financially safeguard your trailer itself and also help cover you financially in case of accidents or liability issues. So, even if it's not compulsory, it's a wise choice for protecting your investment and ensuring your peace of mind while you're on the road.
  • What's the difference between motorhome and travel trailer insurance? Motorhome insurance is tailored for vehicles you can drive, such as Class A, B, or C motorhomes. It provides coverages for both the RV and liability that might arise while you're on the move. On the other hand, travel trailer insurance is designed for non-motorized trailers towed behind your vehicle. It provides coverage for the trailer itself and may also include liability protection. So, the main distinction lies in whether your RV has its own engine or not, but both types of insurance could help ensure you're well-covered during your adventures.

Please note:

Some discounts, coverages, payment plans, and features are not available in all states, in all GEICO companies, or in all situations. The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

*Enhanced RV coverage is currently available in all states except: HI, MA, MI, and NC.

Colorado Language Preference

Are you a resident of or looking for insurance in the State of Colorado?

We are temporarily unable to provide services in Spanish for Colorado residents. You will now be directed to an English experience.

Estamos encantados de ofrecer nuestra nueva version del sitio web en Español. Apreciamos su paciencia mientras seguimos mejorando su experiencia.

travelers travel trailer insurance

How to File a Travel Insurance Claim

W hen it comes to travel, there are generally two types of people: people who cannot travel as it is too expensive and those who budget $4,000 per year for vacations, according to Forbes. Travel is costly, so people often purchase travel insurance to safeguard their financial investment from unforeseen events like illnesses, luggage delays, personal emergencies, and more.

When policyholders pay honest money for an insurance policy to offer protection, they want to be able to reap the benefits of the travel insurance claim. If your travel insurance company has denied payment, our tips on how to properly file a travel insurance claim may be helpful.

Why Buy Travelers Insurance?

Travel is generally less stressful with vacation insurance — it is packaged as a wise investment that can protect you against financial losses due to unexpected events. For instance, the U.S. State Department highly recommends international travel trip insurance as Medicare and Medicaid often do not cover overseas medical costs.

The travel insurance premium is relatively small compared to the non-refundable trip costs you could lose in a bad situation. It is particularly worth it if your trip involves non-refundable costs, international travel, or travel to a remote area with limited healthcare facilities or regions prone to natural disasters.

Some of the primary reasons people buy trip insurance are to help offset:

  • Emergency medical services and treatment
  • Cancellations due to a sudden illness or serious health condition
  • Emergency evacuation
  • Loss of a friend or family member
  • Compromised destinations
  • Delayed or lost luggage
  • Trip interruption or cancellation

What Is Not Covered By Travel Insurance?

The best insurance policies cover basic and common travel risks and bundle different coverage types related to trip cancellation, medical issues, luggage or trip delays, and more. Travel insurance is not meant to cover all foreseeable events, and every policy will address exclusions differently. Examples of potential limitations are:

  • Tropical storms, hurricanes, and other dangerous weather conditions
  • Certain medical issues
  • Acts of war
  • High-risk behavior involving drugs, unlawful acts, or riots
  • Government-imposed restrictions

Travel insurance claims submitted without proper documentation or cancellation for reasons not covered by your travel policy are surefire ways to prevent coverage and reimbursement. This is why it is helpful to understand travel insurance coverage properly and take appropriate actions before assuming foul play.

Can You Cancel Travel Insurance and Get a Refund?

Most travel insurance carriers allow refunds, depending on when a policy is canceled and if there is a money-back guarantee. Most insurers ask that the policy be revoked during the review period outlined in the contract terms to qualify for a complete travel insurance refund. If the review period has passed, then policyholders might be eligible for a partial refund or not qualify for one at all.

What To Do if a Travel Insurance Claim Is Denied

If your travel insurance claim submitted for medical reasons, delays, cancellations, or any other reason was denied by your insurer, then remember that you have options. Both denials and rejections may happen for valid as well as unethical reasons. An insurance claim denial is not the end of the road; you can dig deeper to figure out whether you can still be reimbursed under your insurance.

Travel insurance claims are routinely denied when policyholders make common mistakes in their claim forms, or they mistakenly assume their policy covers their specific situation. Good faith denials happen when policyholders do not fill out their travel insurance claim form correctly, do not submit the right documents, or do not include info like contact details for follow-up questions.

In some cases, travel insurance companies may wrongly deny claims and stall the claims process. For instance, they might fail to investigate the claim or conduct proper due diligence. In such scenarios, it is advisable that policyholders adjust and resubmit their insurance claim, appeal the denial, or pursue legal action if insurers continue to illegally hold their payout.

How To Appeal a Travel Insurance Claim: 4 Steps

The travel insurance claim appeal process allows policyholders to ask the insurer to reconsider its decision. When appealing their travel insurance claim, policyholders must:

  • Carefully Review the Denial Letter: Review the specific reasons for the denial to determine your next steps. Cross-check the reasons stated with your policy documents, additional emails, and other papers.
  • Review Your Policy: Review the terms of your travel insurance policy and pay attention to disclaimers, damage limits, filing time limits, and submission requirements.
  • Reach Out for Assistance: After carefully reviewing your policy, if you find the denial letter and policy terms do not line up, contact an insurance legal expert with experience in handling travel insurance claims for help.
  • Gather Documentation and Keep Careful Records: Maintain communication records with your insurer, copies of denial letters, and other documentation regarding your claim.

How To Write a Travel Insurance Claim Letter

Sometimes, travelers have to file a trip insurance claim when their vacation does not go according to the plan. A travel insurance claim letter is a formal piece of communication between you and your insurance agency. Its purpose is to ask for reimbursement for covered damages or losses under the travel insurance policy. Therefore, it is important to craft a professional and detailed claim letter to increase your chances of a favorable resolution.

A claim letter should include the following information:

  • Introduce Yourself. Include all relevant information of the person appealing (such as the policy number and contact information).
  • Address the Denial. Summarize the date you received the letter and why the denial was made. Do not leave out any important details.
  • Point Out the Error. Explain why you do not agree with the claims denial, based on your policy and pertinent information.
  • Attach Extra Documents. Include all other documents supporting your trip insurance claim, such as photos, additional correspondence, transcripts of phone calls, etc.

How Long Does It Take To Get Reimbursed From Insurance?

Travel insurance companies generally process most claims within a few weeks. Sometimes, the insurance claims process office might have follow-up questions, thereby increasing the time you can expect to hear back. However, if you feel that your insurance claim is taking months to resolve without a proper reason, you should speak to an experienced insurance dispute lawyer. While every situation is different, policyholders should always keep careful and consistent notes as it will help them take informed legal action if necessary.

Travel Insurance Claims Advice on Documentation

You must be thorough with your documentation to enhance your chance of successful recovery. When you file a trip claim, your insurer will more likely refund travel insurance when you include the following information in your claim submission:

  • Lost Luggage: Make a list of what was lost, along with the details and cost of each lost item.
  • Job Loss: Request that your previous employer send you a notarized letter on company letterhead in the case of a trip cancellation due to job loss.
  • Medical Emergency: Include detailed medical records in your claim if a health emergency kept you from traveling.
  • Canceled/Delayed Flight: If you could not attend your trip because the flight was canceled or delayed, provide proof such as an email that relays the reasons (mechanical issues, weather, etc.).
  • Receipts for Delayed Flights: You might want to keep receipts for necessary expenses incurred due to delays, like hotel stays, transportation costs, meals, and personal necessities.
  • Police Reports: These reports can help substantiate claims made for stolen items or car troubles.
  • Other Reports: You may include tickets for unused flights or excursions in your insurance claim.

Has a Formal Complaint Been Filed Against the Travel Supplier?

Formal complaints against travel suppliers are helpful in legal cases dealing with similar situations. The Van Rossem v. Penney Travel Service (April 15, 1985) case exemplifies travel insurance gone wrong.

In this case, a newlywed couple arranged a honeymoon trip with travel agent Penney Travel. The agent used a wholesaler, Lotus Tours, to book the reservation without the couple's knowledge. Lotus Tours abruptly went bankrupt before booking the client's reservation with SANDLES, which remained unpaid. When the case came before the court, the judge noted that "an agent who makes the contract in his own name for an undisclosed principal is liable as a principal." Here, the defendant had failed to disclose the identity of Lotus Tours, and so, it was responsible as the principal. The couple had paid $2,059 in advance. The judge awarded them reimbursement of $1,312, plus costs and disbursements.

In another lawsuit, Touhey v. Trans National Travel , a travel agent did not check to see if the hotel a client had booked was duly constructed. The plaintiff-client was awarded $25,000 in special damages because of the mistake.

What Are Bad Faith Insurance Practices?

Bad faith insurance refers to unethical insurance practices used by an insurer to delay, deny, or lowball policyholders. Examples of bad faith insurance practices include:

  • Misrepresenting contract language to prevent a payout
  • Failing to disclose policy limitations and exclusions to policyholders
  • Making unreasonable demands, like excessive paperwork requests to prove a covered loss

Sometimes, only a seasoned insurance dispute lawyer who regularly deals with contract breaches and bad faith claims can identify honest errors from serious red flags and help a policyholder get paid their due.

How to File a Travel Insurance Claim: A Summary

Travelers usually plan their vacations down to the last detail. Travel insurance is a buffer for unplanned curveballs that can derail even the most meticulous plans, such as medical emergencies or misplaced luggage.

Insurance companies are explicit about what travel mishaps or unexpected events they will or will not cover, which is why it is crucial to understand policy limitations and how to properly file a travel insurance claim.

As a final snapshot, the key steps to filing a travel insurance claim include:

  • Reviewing policy terms and exclusions.
  • Gathering necessary documentation based on submission requirements.
  • Submitting your claim according to the insurer's timing and filing guidelines.
  • Filing an appeal if an insurance claim is wrongly denied.
  • Consulting an experienced insurance dispute lawyer to assist with an intentionally stalled, denied, or undervalued claim.

Travel insurance claims can become challenging, depending on the situation and response from your insurer. When small bumps in the road become permanent roadblocks, it is helpful to know that qualified travel insurance claims attorneys are available to help frustrated policyholders recover their losses. 

When it comes to travel, there are generally two types of people: people who cannot travel as it is too expensive and t

Is It Safe in Moscow?

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Stanislav Solntsev / Getty Images

When you visit Moscow , Russia, you’re seeing one of the world’s largest, and most expensive, capital cities . While there is a history of violent crime against foreign journalists and aid personnel in Russia, a trip to Moscow is usually safe for mainstream travelers. Most tourists in Moscow only face potential issues with petty crime, though terrorism is also a concern. Visitors should stick to the principal tourist areas and abide by the local security advice.

Travel Advisories

  • The U.S. Department of State urges travelers to avoid travel to Russia because of COVID-19 and to "exercise increased caution due to terrorism, harassment, and the arbitrary enforcement of local laws."  
  • Anyone exploring more of Russia should avoid "The North Caucasus, including Chechnya and Mount Elbrus, due to terrorism, kidnapping,   and   risk of civil unrest." Also, travelers should stay away from "Crimea due to Russia’s occupation of the Ukrainian territory   and   abuses by its occupying authorities."  
  • Canada states travelers should use a high degree of caution in Russia due to the threat of terrorism and crime.  

Is Moscow Dangerous?

The Moscow city center is typically safe. In general, the closer you are to the Kremlin , the better. Travelers mainly need to be aware of their surroundings and look out for petty crime. Be especially careful in tourist areas such as Arbat Street and crowded places like the Moscow Metro transit system. The suburbs are also generally fine, though it is advised to stay away from Maryino and Perovo districts.

Terrorism has occurred in the Moscow area, leading authorities to increase security measures. Be more careful at tourist and transportation hubs, places of worship, government buildings, schools, airports, crowds, open markets, and additional tourist sites.

Pickpockets and purse snatching happen often in Russia, perpetrated by groups of children and teenagers who distract tourists to get their wallets and credit cards. Beware of people asking you for help, who then trick you into their scheme. Don’t expect a backpack to be a safe bag bet; instead, invest in something that you can clutch close to your body or purchase a money belt . Always diversify, storing some money in a separate location so that if you are pickpocketed, you'll have cash elsewhere. Keep an eye out for thieves in public transportation, underground walkways, tourist spots, restaurants, hotel rooms and homes, restaurants, and markets.

Is Moscow Safe for Solo Travelers?

Large cities like Moscow in Russia are overall fairly safe if you are traveling alone, and the Moscow Metro public transit is a secure and easy way to get around. But it is still a good idea to follow basic precautions as in any destination. Avoid exploring alone at night, especially in bad areas. You may want to learn some basic Russian phrases or bring a dictionary, as many locals don't speak English. However, in case you need any help, there are tourist police that speak English. Also, exploring with other trusted travelers and locals or on professional tours is often a good way to feel safe.

Is Moscow Safe for Female Travelers?

Catcalling and street harassment are infrequent in Moscow and the rest of Russia and females traveling alone don't usually have problems. There are plenty of police officers on the streets as well. Still, it serves to stick to Moscow's well-lit, public areas, avoid solo night walks, and use your instincts. Women frequenting bars may take receive some friendly attention. Females can wear whatever they want, but those entering Orthodox churches will be required to cover up. Though women in Russia are independent, domestic violence and other inequality issues take place regularly.

Safety Tips for LGBTQ+ Travelers

Russia is not known as a gay-friendly country. However, Moscow is one of the more welcoming cities with a blooming LGBTQ+ community and many friendly restaurants, bars, clubs, and other venues. Hate crimes in Russia have increased since the 2013 anti-gay propaganda law. Openly LGBTQ+ tourists in this conservative country may experience homophobic remarks, discrimination, or even violence, especially if traveling with a partner. Also, while women hold hands or hug publicly—whether romantically involved or not—men should avoid public displays of affection to prevent being insulted or other issues.

Safety Tips for BIPOC Travelers

Moscow  and other big cities in Russia have sizable populations of various cultures, so discrimination against BIPOC travelers is rarer than in other parts of the country where it can become dangerous. Some people living in Russia who are Black, Asian, Jewish, and from other backgrounds have experienced racial discrimination and violence. Tourists won't usually experience overt racism but may be the recipients of some stares. If anyone should bother you, be polite and resist being taunted into physically defending yourself.

Safety Tips for Travelers

Travelers should consider the following general tips when visiting:

  • It's best not to drink the tap water. If you do, boil it before drinking, though showering is safe and the amount used to brush teeth is generally not harmful. Mineral water is widely drunk, especially at restaurants, and if you prefer not to have it carbonated ask for “ voda byez gaz” (water without gas).
  • If you need emergency assistance in case of fire, terrorism, medical issues, or more, dial 112 in Russia for bilingual operators.
  • Be judicious about taking photographs, especially of police or officials. This can potentially bring unwanted attention to yourself by members of law enforcement who won’t mind asking to see your passport. Also avoid snapping photos of official-looking buildings, such as embassies and government headquarters.
  • Carry your passport in as secure a manner as possible. If you get stopped for any reason by the police, they can fine or arrest you if you don't have the document with you. Also, keep photocopies of your passport, the page on which your travel visa appears, and any other documents that relate to your stay in Russia.
  • Use official taxis only and steer clear of illegal taxi companies, especially at night. Ask your hotel to call a reputable taxi company.

U.S. Department of State. " Russia Travel Advisory ." August 6, 2020.

Government of Canada. " Official Global Travel Advisories ." November 19, 2020.

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Is Moscow Safe? Crime Rates & Safety Report

Moscow, Russia

On Feb. 24, 2022, Russia invaded its neighbor country Ukraine, starting a war between these two countries.

This act of invasion caused many Ukrainians to flee their country and seek shelter in places like Poland, Hungary, Slovakia, etc…

At this time, we recommend no travel to Russia or Ukraine, or any neighboring countries for your own safety.

Russia : Safety by City

  • Nizhny Novgorod
  • Novosibirsk
  • Saint Petersburg
  • Yekaterinburg

Moscow, the capital of Russia, is a political, scientific, historical, architectural and business center of this huge country.

It’s one of the most visited places in Russia, and for good reason.

The best-known parts of Russia are concentrated precisely in the urban areas and cities like Moscow and Saint Petersburg.

Moscow’s history attracts the most tourists, as they are fascinated by it is a surreal and sometimes brutal but nevertheless thrilling and jaw-dropping national story.

In this city, visited by 17 million tourists annually, the history, told in its numerous museums, some of which are the world’s greatest, interacts with modernity.

For example, in the Garden of Fallen Monuments (Fallen Monument Park), you can see entire clusters of modern art contrasting with the very non-conceptual Communist monuments.

  • Warnings & Dangers in Moscow

OVERALL RISK: MEDIUM

Generally speaking, Moscow today is safe as much as other cities in Europe, despite its problematic history with criminal activity in the 90s. However, if you’re planning on traveling to Moscow, keep in mind that you should always keep your guard up and remain aware of your surroundings, just in case.

TRANSPORT & TAXIS RISK: LOW

Generally speaking, transportation in Moscow is safe, but you should bear in mind that kidnappings have been known to happen, mostly in unlicensed taxis, so be careful when hailing one on the streets. Keep in mind that the most dangerous areas where small crime tends to occur are the underground walkways, called “perekhods”. Only use official services like Yandex Taxi, Uber or Gett taxi.

PICKPOCKETS RISK: HIGH

Pickpocketing is very common in Moscow, and surprisingly it is mostly performed by groups of children. Pay attention to your belongings, don’t leave them in plain sight and be especially careful in crowded places like stations or near tourist attractions.

NATURAL DISASTERS RISK: LOW

Moscow isn’t particularly susceptible to natural disasters. Some blizzards and snowstorms are possible during winter which can affect the traffic and delay your flights. During winter, be prepared to face the below-freezing temperatures.

MUGGING RISK: MEDIUM

The situation improved drastically when it comes to kidnappings and muggings. Generally, never accept free drinks or food when you’re in a club or a bar. Drink spiking and then attacking and robbing the victim have been reported on numerous occasions.

TERRORISM RISK: HIGH

After the recent terrorist attack in the subway in St. Petersburg the probability of this situation happening again in Moscow is very high.

SCAMS RISK: HIGH

There are many scams in Moscow, usually performed by children trying to distract you and then steal some money from you. Never talk to strange kids on the street. Also, you should avoid playing street gambling games.

WOMEN TRAVELERS RISK: LOW

Women are generally safe in Moscow, though you should avoid finding yourself alone in clubs or bars, and of course, apply all normal precaution measures like avoiding remote and poorly lit streets and areas.

  • So... How Safe Is Moscow Really?

Moscow experienced a rise when it came to crime rates during the 1990s.

Violent crime, as well as petty crime and scams,  had increased, but the biggest part of the violence was within the criminal groups themselves, and it didn’t affect foreigners that much.

However, it decreased since the 90s, so right now, for tourists, Moscow isn’t more dangerous than any other European city, it’s even less so.

The crime rate in Moscow is fairly lower than one in New York, London or Paris, so you should feel safe here.

Also, you can count on the officials to be uncorrupted – don’t ever try to bribe them: you will be charged with bribery.

Bear in mind that if you are a member of the LGBT community, there is no reason to avoid Moscow altogether but you should refrain from any public displays of affection.

As of June 2013, “homosexual propaganda to minors” is prohibited, which means that any discussion of gay rights or homosexuality issues in the presence of minors is punishable by law.

While you walk around Moscow, you might encounter police officials that may demand to see your papers to check if you have been registered within 7 business days of your arrival into Moscow.

You shouldn’t have any problems with this, because if you stay in a hotel then you are automatically registered and will be handed a confirmation paper.

  • How Does Moscow Compare?
  • Useful Information

Most countries do need a visa to enter Russia, and if you’re a U.S. citizen you must possess both a valid U.S. passport and a bona fide visa issued by a Russian Embassy or Consulate. None of the nationals that do need a visa can acquire one upon arrival, so make sure you apply for your visa in advance. If you are not sure about your visa status, visit www.doyouneedvisa.com which will let you know whether or not you need visa based on your nationality and the country you want to visit.

The Russian ruble is the official currency in Moscow. ATMs are widespread throughout the country and credit cards are accepted everywhere.

Moscow has a highly continental influenced climate characterized by warm to hot and dry summers and extremely cold, freezing winters with temperatures as low as -30°C – sometimes even lower, with heavy snowfall.

Sheremetyevo International Airport is the Russian busiest international airport. It is located in Molzhaninovsky District, Northern Administrative Okrug, in Moscow, about 29 km northwest of central Moscow.

Travel Insurance

Just like anywhere else, we advise getting travel insurance when traveling to Moscow, because it would cover not only medical problems but also theft and loss of valuables.

Moscow Weather Averages (Temperatures)

  • Average High/Low Temperature

Russia - Safety by City

  • Where to Next?

Russia

9 Reviews on Moscow

That's just not true.

The person who wrote the text obviously have never been in Moscow and in Russia at all. This is ridiculous. Even about pickpocketing, the risk at most is medium, mugging is zero in historical places but is pretty high in sleeping quarters

Your rating is only two stars for safety though? So I am confused. Are you rating the article to be in poor taste?

I went to Moscow in 2021. I enjoyed the trip. I felt there were “unsafe areas” so I avoided them. So long as you know where you are going and don’t insult the locals, you should be fine.

51% safe?! Is this out of date?

Moscow and Russia in general are MUCH SAFER than Paris or London, yet those latter are more than 15 points ahead?!

Hell, it’s even admitted in the above text: “Moscow isn’t more dangerous than any other European city, IT’S EVEN LESS SO.” Yeah, you bet! And then: “the crime rate in Moscow is fairly lower than one in New York, London or Paris, so you should feel safe here.” So why the low rating? I don’t get it.

Also, the latest terrorist attack in Moscow happened in 2010… so how can you honestly say that the risk is still “high”? Especially for the fact Russia is very much on the edge when it comes to fighting terrorism domestically and over the world.

Sure, it might not be ideal everywhere in Moscow, but it’s WAY SAFER than in Paris, especially at night. You just can’t go out in Paris after the evening anymore, in most areas (I got assaulted for no reason at Châtelet-les-Halles and taking the RER train at dark is becoming more and more risky)… while in Moscow, chances are that you’ll see girls in miniskirts walking home while quietly singing. Or maybe you’ll stumble upon some gorgeous lady asking you for a lighter and then giving you her number for a coffee the next day. So very dangerous!

I sense a serious bias, here. Is it because of that LGBT thing? Could you pick a more extreme case? Yeah, you can totally be gay in Russia, just be so in private. There even are transsexuals, but this is a traditional and respectable country, so you should respect their choice of not publicizing various sexual lifestyles.

Moscow and Saint Petersburg are safe

Moscow and Saint Petersburg are very safe in my opinion! I’ve been to both cities visiting family! There are so many people out on the streets and on public transportation- I felt very safe! You need to change your ratings!!

Any update on Covid-19 to visit Moscow

I visited 118 country and Moscow one of the safest city I have been, st Petersburg as well, I read this article hoping to find any update on covid-19 restrictions upon arrival, so if anyone can update I’m planning to visit Moscow again but I need to know if quarentain is required or mandatory, anyone can share, cheers.

In Russia nobody cares, masks off. I dont know if fiew thousands of infected per day are high for you though. I was never arrested for not wearing mask, but you have to have it on you. Sometimes cops ask to put mask, you just do that and everything ok, some shops can refuse to do service if you dont have mask. I assume they pressured by boss, so just put on mask, they can give you gloves and dont cause any problems.

Written by someone who never visited Russia

A veer biased review. Moscow or St. Petersburg for being such brilliant truly cosmopolitan cities are extremely safe. Pickpocketing in Russia?! By children?! Who wrote this? Clearly by someone who has never been to the great country of Russia.

Have never been there. But wish me well

Bias review, Moscow is much safer than that!

This review is so bias and just wrong! First of all apart from being a political, scientific and etc center, it is an absolutely beautiful city and a very culturally rich city. For tourists there’s a huge range of delicious food, amazing shopping, a lot of cultural activities, and all sorts of entertainment. I’ve travelled there in December 2019, and most of the time I spent walking around and exploring by myself, be it during day time or night, nothing happened to me once. I mostly used subways and sometimes taxi, both safe. Just have a common sense when it comes to safety and you’ll be fine. You need to travel there at least once in a lifetime, it’s a completely different experience and it’s a beautiful one, NOT a communistic terrorist epicenter as some describe it to be.

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Article Contents

  • Moscow : Safety by City
  • Overall Risk
  • Transport & Taxis Risk
  • Pickpockets Risk
  • Natural Disasters Risk
  • Mugging Risk
  • Terrorism Risk
  • Women Travelers Risk
  • Weather Averages (Temperatures)
  • User Reviews
  • Share Your Experience

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