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Best International Travel Insurance

International travel insurance company reviews.

• Why You Should Trust Us

Compare the Best International Travel Insurance

Get international travel insurance quotes, best international travel insurance of october 2023.

Our experts choose the best products and services to help make smart decisions with your money ( here's how ). In some cases, we receive a commission from our partners ; however, our opinions are our own. Terms apply to offers listed on this page.

If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected events such as lost luggage or medical emergencies can drain your bank account. Travel insurance steps in to provide you with peace of mind and financial protection while you're abroad.

• Allianz Travel Insurance : Best overall
• World Nomads Travel Insurance : Best for adventure travel
• C&F Travel Insured : Best for trip interruption coverage
• Travelex Travel Insurance : Best for families
• Seven Corners Travel Insurance : Best for long-term travel
• GeoBlue : Best for emergency medical coverage
• John Hancock Travel Insurance : Best for seniors
• Berkshire Hathaway Travel Protection : Best for cruises

We've researched and compiled eight of the best travel insurance companies for international travel. Below you'll find coverage details, pricing, and unique features.

Allianz Travel Insurance

Allianz Travel Insurance  offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. 

The icing on the cake is the highly-rated mobile app, which has a 4.7 out of 5 rating from over 1,800 reviews on Google Play and a 4.8 out of 5 rating from over 13,000 reviews on the Apple Store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

Allianz travel insurance review

World Nomads Travel Insurance

World Nomads Travel Insurance  offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage. 

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

World Nomads travel insurance review

Travel Insured Travel Insurance

C&F Travel Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Travel Insured review

Travelex Travel Insurance

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Travelex insurance review

Seven Corners Travel Insurance

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Seven Corners travel insurance review

John Hancock Travel Insurance

John Hancock Travel Insurance offers specialized plans that cater to seniors, who often have fewer options when it comes to travel insurance. With primary emergency accident and emergency sickness expense coverage and emergency medical evacuation coverage, seniors can rely on their coverage to get the medical help they need. 

The company also offers a pre-existing condition waiver, which is especially essential for seniors with age-related conditions that need coverage. John Hancock also provides a 24-hour multilingual hotline for emergency assistance, ensuring seniors are never stranded in an emergency.

John Hancock travel insurance review

Berkshire Hathaway Travel Insurance

Berkshire Hathaway Travel Protection offers a WaveCare plan that's designed to offer protection while you're on a cruise. This policy provides the standard travel insurance coverage, including trip interruption, flight delays or missed connections, and lost luggage. 

You'll also receive cruise-specific coverage for things like if your cruise company goes bankrupt while you're on the trip, your ship experiences mechanical failures, your cruise line diverts from its scheduled course, or cancellation of pre-paid excursions. Additionally, Berkshire Hathaway is on standby with 24-hour emergency travel assistance if you lose vital travel documents, like your passports, while on a cruise. 

Berkshire Hathaway travel insurance review

International Travel Insurance Frequently Asked Questions 

Travel insurance needs vary depending on your individual circumstance. Choosing an international policy calls for careful consideration of your budget and travel plans. Popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

International health insurance and travel insurance serve different purposes. While both may cover medical expenses, international health insurance provides long-term health insurance for working abroad. Meanwhile, travel insurance offers short-term coverage for the duration of your trip. 

Typically, your regular medical insurance won't cover travelling abroad, so you'll want to make sure you have adequate travel medical insurance. Depending on your plans, you may want to purchase additional coverage, such as cancel for any reason insurance and activity insurance if you're planning on doing anything adventurous like bungee jumping.

How to Find the Right International Travel Insurance Company for You

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

• Assess the nature of your travel (leisure, business, or adventure) and the associated risks (medical emergencies, trip cancellations, etc.)
• Determine your budget and the amount of coverage you require. 
• Consider the duration of your trip and the countries you'll be visiting, as some policies won't cover specific destinations. 

Research the reputation of the company 

• Look for the company's reviews and ratings from reputable sources like consumer advocacy groups and independent website reviews. 
• Check the provider's financial stability and credit ratings to ensure they can pay out claims reliably. 
• Investigate the company's claims process to ensure they can provide support if you need to file a claim.

Compare prices

• Obtain quotes from multiple providers to compare rates and coverage options.
• See if the company provides discounts or special offers to lower your cost. 
• Look at the deductible or any out-of-pocket expenses you may have to pay if you file a claim to determine if you can afford it. 

How Much Does International Travel Insurance Cost?

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

Understanding International Travel Insurance Coverage Options 

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Why You Should Trust Us: How We Chose the Best International Travel Insurance Companies

We ranked and assigned superlatives to the best foreign travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including: 

• Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
• Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
• Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
• Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
• Quality customer service: Good customer service is as important as affordability and policy customizability. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 2 major plans including CFAR coverage on the more expensive option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancellation for job loss included as a covered reason for trip cancellation/interruption (does not require CFAR coverage to qualify)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Frequent traveler reward included in both policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million in medical evacuation coverage available
• con icon Two crossed lines that form an 'X'. Medical coverage is only $100,000
• con icon Two crossed lines that form an 'X'. Reviews on claims processing indicate ongoing issues
• C&F's Travel Insured policies allow travelers customize travel insurance to fit their specific needs. Frequent travelers may benefit from purchasing an annual travel insurance plan, then adding on CFAR coverage for any portions of travel that may incur greater risk.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Options to cover sports equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
• con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
• con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
• con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
• con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage

Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.

• Optional CFAR insurance available with the Travel Select plan
• Trip delay insurance starting at $500 with the Travel Basic plan
• Emergency medical and dental coverage starting at $15,000

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse coverage options such as CFAR, optional sports equipment coverage, etc.
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
• con icon Two crossed lines that form an 'X'. Prices are higher than many competitors
• con icon Two crossed lines that form an 'X'. Reviews around claims processing are mixed
• Trip cancellation insurance of up to 100% of the trip cost
• Trip interruption insurance of up to 150% of the trip cost
• Cancel for any reason (CFAR) insurance available

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. A subsidary of Blue Cross Blue Shield
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers strong medical plans as long as you have a regular health insurance plan, but it doesn't have to be through Blue Cross
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers long-term and multi-trip travel protection
• con icon Two crossed lines that form an 'X'. Multiple complaints about claims not being paid or being denied
• con icon Two crossed lines that form an 'X'. Does not provide some of the more comprehensive coverage like CFAR insurance
• con icon Two crossed lines that form an 'X'. Buyers who do get claims paid may need to file multiple claim forms

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
• con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
• con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
• Trip cancellation for 100% of the trip cost
• Trip interruption insurance for up to 150% of the trip cost
• Emergency medical coverage of up to $250,000 per person
• Medical evacuation coverage of up to $1,000,000

Covers up to 100% of trip cancellation costs, a minimum of up to $750 in luggage losses, and 24/7 worldwide travel insurance

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers up to 100% trip cancellation refund for eligible travel
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Plans are customizable with relevant add-ons
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good customer service and easy sign up according to traveler reviews
• con icon Two crossed lines that form an 'X'. More affordable plans offer low caps on medical and emergency coverage
• con icon Two crossed lines that form an 'X'. Premiums are on the expensive side relative to comparable competitor plans
• con icon Two crossed lines that form an 'X'. Claims may take longer during peak travel seasons

Berkshire Hathaway Travel Protection is one of the leading insurance brands on the market. It offers several plans with key add-ons for travelers.

• This provider underwrites travel insurance policies for a number of other companies in addition to offering its own plans
• Travelers can file claims directly from a smartphone by using the BHTP app

Use the form below to get travel insurance quotes for your internaitonal trip. Comapre multiple options and choose the policy that fits your budget.

The best travel insurance policies and providers

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

• You purchase the plan within 15 days of your initial trip payment.
• The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
• You must be medically able to travel when you purchase your plan.

Standout features

• The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
• You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
• Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

• You purchased the policy within 14 days of the date of the first trip payment or deposit.
• You were a U.S. resident when you purchased the policy.
• You were medically able to travel when you purchased the policy.
• On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
• Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
• Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
• For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

• You must be medically able to travel at the time you pay the policy premium.
• You pay the policy premium within 14 days of making the first covered trip deposit.
• Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
• Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
• American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

• GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
• GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

• Some annual multi-trip plans are modestly priced.
• iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

• You purchase the plan within 15 days of the initial trip payment.
• The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
• All insured individuals are medically able to travel when they pay the plan cost.
• The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
• Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
• Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
• For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

• You buy this plan within 20 days of making your initial trip payment or deposit.
• You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
• You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
• Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
• You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
• Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

• World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
• World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

• Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
• Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
• Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
• Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
• Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
• Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
• Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
• Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

Partner content: This content was created by a business partner of Dow Jones and researched and written independently of the MarketWatch newsroom. Links in this article may result in us earning a commission. Learn More

12 Best Travel Insurance Companies of November 2023

The best travel insurance varies depending on your desired coverage, trip value and budget. Below are our top picks for every type of traveler.

Bradford Cuthrell is a meticulous researcher and writer specializing in pet and home finance topics. He’s surveyed thousands of pet owners and homeowners, listened to hundreds of customer service calls from various home service companies and spoken with dozens of industry experts to understand homeowners’ common pain points and needs.

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.

Mark Friedlander is Director, Corporate Communications, at the Insurance Information Institute (Triple-I), a New York-based nonprofit research and education organization focused on providing consumers with a better understanding of insurance. Mark serves as a national spokesperson for the Triple-I, handling a wide array of insurance industry media issues. His responsibilities also include spearheading the association’s hurricane season communications strategy and its member company support and media outreach in Florida, where he is based.

If you’re considering traveling domestically or internationally, you might want to invest in a travel insurance policy. Travel insurance can protect you financially in case your trip is affected or canceled by unforeseen circumstances like illness, injury, flight delays and more. In this guide to the best travel insurance companies, you can learn more about travel insurance and see how investing in a policy can help protect your next trip.

We at the Guides Home Team have researched dozens of travel insurance companies and compiled our top picks based on policies offered, cost, customer service and other important factors. Explore some of the best travel insurance companies and plans using our guide below.

• Top Providers

Compare Travel Insurance Companies

Companies that didn’t make the cut, travel insurance coverage, common add-ons.

• How To Choose the Right Policy

Considering COVID-19

Is travel insurance required.

• Cost Factors

Is Travel Insurance Worth It?

• The Bottom Line
• Methodology

Top 12 Travel Insurance Companies of 2023

Here are our picks for the top travel insurance companies for U.S. residents:

• Travelex Insurance : Our top pick
• Faye : Our pick for all-online experience
• Berkshire Hathaway Travel Protection : Our pick for luxury travelers
• Nationwide Travel Insurance : Our pick for cruise travel
• Allianz Global Assistance : Our pick for business travelers 
• Generali Global Assistance : Our pick for emergency assistance
• AXA Assistance USA : Our pick for leisure travelers
• AIG Travel Guard : Our pick for families
• Trawick International : Our pick for college students
• Seven Corners Travel Insurance : Our pick for international travelers
• HTH Travel Insurance : Our pick for group travel
• International Medical Group : Our pick for medical coverage

Below is an at-a-glance look at how the best travel companies compare in terms of cost and coverage. We collected costs for a single 35-year-old traveler from Alabama with plans to spend a week in the Bahamas. The trip’s total value is $2,000.

We received quotes directly from each company’s website. The data is updated as of March 2023.

• Countries Covered: 100+
• COVID-19 Coverage:  Yes
• CFAR coverage: Add-on available
• AM Best Rating: NR

If you’re seeking travel insurance on a budget, consider a Travelex plan. While Travelex’s policies are only available for trips up to two weeks in length, you can get comprehensive coverage starting at just $60. In addition, children under the age of 17 are included with one adult on certain travel insurance policies at no additional cost, making Travelex an affordable choice for families.

Although Travelex is not rated by AM Best, it is underwritten by Berkshire Hathaway, which has an A+ rating.

Travelex offers three policy options that include the standard protections you’d expect to find on any travel insurance plan. Though you’ll need to opt for the company’s higher-priced Travel Select plan to access benefits like free children’s coverage and license fee reimbursement, the Travel Basic plan can fit into nearly any traveler’s budget. Travelex policies can also be shared among up to ten travelers, which makes getting low-cost coverage on group trips easy.

Pros & Cons

Coverage & cost.

Plans and Coverage

If you decide to purchase travel insurance from Travelex, you can choose from the plans below. While both the Travel Select and Travel America plans both include coverage for sporting equipment delays, Travel America also offers medical protection for your pet.

Add-On Options

Limited add-on options are available on the Travel Basic plan, but the following add-on coverages are available on the Travel Select plan:

• Adventure sports coverage
• CFAR coverage (up to 50% of trip costs)
• AD&D and medical benefit upgrades

A 35-year-old traveler taking a week-long trip with a total cost of $2,000 can typically expect to pay between $90 and $125 for Travelex travel insurance. Pricing for 50-year-old travelers was the same as for 35-year-old travelers.

• COVID-19 Coverage: Yes
• CFAR Coverage: Add-on available

Why We Chose Faye

If you’re a digital native, you may enjoy how Faye leverages insurance tech to help you get a policy quickly and file a claim on the go. Benefitting from a digital underwriting process, Faye allows you to view policy options and start comparing quotes in seconds.

Launched in 2022 , Faye may be a newcomer to the travel insurance industry, but its seamless online experience has already earned the company hundreds of positive online customer reviews.

Faye features an all-online quote process with just a handful of questions, enrollment and claims-filing process. You can enroll in coverage and file claims directly through its mobile app, and even be reimbursed on approved claims to your phone’s Faye wallet. Faye also offers real-time alerts and 24/7 customer service before and during your trip.

We recommend Faye to travelers who want a quick, all-online experience that doesn’t require wading through complicated coverage options.

Coverage & Add-Ons

Faye offers one plan with several optional add-on options.

Optional Add-Ons 

• Cancel for any reason (CFAR) 
• Rental car damage or theft
• Adventure and extreme sports protection 
• Vacation rental damage protection

*Coverage limits and availability may vary by state of residence.

A 30-year-old traveler planning a $4,000, five-day trip to the Bahamas would pay about $187 for travel insurance with Faye. Unlike competitors, this company offers only one policy for international travelers.

• AM Best Rating: A++

Why We Picked Berkshire Hathaway

Berkshire Hathaway’s LuxuryCare TM  travel insurance plan is an ideal choice for anyone planning a high-value vacation. Policies are available with higher insurance limits, covering up to $100,000 worth of nonrefundable trip expenses such as unexpected cancellations and medical emergencies. Unlike most travel insurance, this plan also covers cancellations if your child’s school calendar changes, you or your partner becomes pregnant or are approved for adoption and other circumstances.

But the company’s travel insurance division covers more than just luxury travel. Berkshire Hathaway also offers standard travel insurance plan options and AdrenalineCare adventure travel plans that remove policy exclusions on action sports. All insurance coverage also includes 24/7 travel assistance in the event of an emergency.

Plan Coverage

The LuxuryCare TM  plan includes the following coverages. If you plan on golfing or playing sports while on your trip, this plan will also reimburse you for delayed rental equipment.

Berkshire Hathaway allows you to add the following add-on options to your LuxuryCare TM  plan:

• CFAR upgrade (up to 50% of trip costs)
• Rental car collision damage
• Pre-existing conditions waiver

A 35-year-old traveler taking a week-long trip with a total cost of $2,000 can typically expect to pay around $148 for LuxuryCare TM  trip insurance. Pricing for LuxuryCare TM  coverage was the same for 35-year-old and 50-year-old travelers.

Jump To Top

*A.M. Best ratings accurate as of July 2023

• COVID-19 Coverage:  Yes, limited
• AM Best Rating: A+

Why We Picked Nationwide

While there are many options for travel insurance, not every company offers specific coverage for cruises. With Nationwide, you can choose from three levels of coverage for your next cruise. In addition to standard protections, Nationwide’s cruise policies feature coverage for ship-specific events such as mechanical breakdowns or missed connections.

Every plan also includes coverage for trip cancellations and interruptions, baggage delays, missed connections, and emergency accidents and sickness. Covered cancellation reasons are flexible and include work-related cancellations and extensions to your child’s school calendar.

The below chart outlines Nationwide’s cruise travel insurance plans and associated coverages. If your cruise schedule is interrupted, each plan also offers coverage for missed connections and itinerary changes.

You can add the following optional coverages to Nationwide’s travel insurance plans, including cruise-specific policies:

• Accidental death and dismemberment (AD&D) benefits
• CFAR coverage (up to 75% of trip costs)
• Vendor financial default coverage
• Interruption for any reason (IFAR) coverage

A 35-year-old traveler taking a week-long cruise can expect to pay between $82 and $104 in Nationwide travel insurance to protect a $2,000 vacation, depending on the coverage level. The price for a 50-year-old traveler was also between $82 and $104 on the same trip.

• COVID-19 Coverage:  Optional

Why We Picked Allianz Global Assistance

Allianz Global Assistance is our pick for business travel, thanks to its AllTrips Executive plan. As the name implies, this policy focuses on business travel and includes unique coverages for things like business equipment rentals, rental car damage, lost or stolen commercial property and more. Overall, Allianz’s executive-oriented plans can be ideal for anyone who travels regularly and carries expensive equipment.

The AllTrips Executive plan also includes concierge coverage to offer personalized assistance in navigating travel itinerary changes or using your insurance benefits. In addition to its business travel plan, Allianz also offers annual and single-trip travel insurance, along with a 24-hour hotline to help you handle travel emergencies.

The chart below outlines coverage limits for the AllTrips Executive plan. This policy also includes a $500 reimbursement if you need to change a flight, $45,000 in rental car coverage and $1,000 to protect your business equipment or related rentals.

You can add the following coverages to your Allianz travel insurance plan, whether you are planning a family vacation or traveling on business.

• Pre-existing medical conditions waiver

The cost of the AllTrips Executive plan is higher than Allianz’s other travel insurance options. A 35-year to 50-year-old traveler can expect to pay around $510 for the AllTrips Executive Plan for a trip lasting less than 45 days.

• AM Best Rating: A

Why We Picked Generali Global Assistance

No matter where you go, Generali Global Assistance can provide peace of mind in knowing you have telemedicine and international travel experts on standby if you run into trouble. Generali offers travel insurance plans that include access to the company’s 24/7 global assistance team if you need support with your policy. Company experts can be invaluable resources if natural disasters or political demonstrations strike the areas you’re traveling to, or if you fall sick and need medical attention.

Generali’s plans also include identity theft protection, an uncommon benefit in the travel insurance industry, and trip interruption coverage for COVID-19 at no additional costs. Another unique feature of Generali’s plans is its 10-day “free look” period. After purchasing your coverage, you have 10 days to review your plan to ensure it fits your needs. If you find a better travel protection plan from another insurance company within this window, you can cancel your coverage and receive a full refund.

Generali Global Assistance offers three travel insurance plans for you to choose from. Additionally, the Preferred and Premium plans offer reimbursement if you experience any delays when renting sporting equipment on your trip.

Generali’s current add-on options include:

• CFAR coverage (up to 60% of trip costs)

A 35-year-old traveler taking a week-long trip with a total cost of $2,000 can typically expect to pay between $76 and $113 for Generali travel insurance, depending on the plan. Pricing for 50-year-old travelers was the same as for 35-year-old travelers.

Why We Picked AXA

If you’re traveling and your plans include skiing, golfing or a cruise, you may find AXA Assistance’s travel insurance policies beneficial. The company offers a Platinum travel insurance package that includes reimbursements for special leisure activities, like ski trips, missed tee times and sports equipment rentals. It’s also one of the only companies we’ve reviewed that provides a generous $1,500 benefit for missed connections, which you can apply to missed cruise departures.

The policy’s $3,000 delay coverage for lost bags is exceptionally generous, which might add peace of mind if you travel with expensive equipment. It also includes coverage for COVID-19 and $100,000 in insurance toward nonmedical evacuations, which can be beneficial if you’re traveling to an area of known social or political unrest.

AXA offers three travel insurance plans, each listed below. If your trip involves sporting activities, the Platinum plan also includes daily coverages for lost skier days, lost golf rounds and sporting equipment rentals.

You can add the following coverages to your policy as an AXA customer:

A 35-year-old traveler taking a week-long trip with a total cost of $2,000 can typically expect to pay between $60 and $101 for AXA travel insurance. A 50-year-old traveler may expect to pay between $83 to $142 for coverage on the same trip.

Why We Picked AIG

With coverage limitations up to $1 million, AIG’s policies can be great for families looking to protect multiple people while traveling. AIG offers three travel plans that include complimentary family, meaning one child under the age of 17 is included with every adult enrolled in the plan. If you are traveling as a family, this can potentially cut your insurance expenses in half.

AIG’s travel insurance policies include higher-than-average coverage limits on missed connections, baggage delays and emergency evacuation expenses. The company also offers several unique upgrades that can be especially beneficial for family travel — it is one of the only travel insurance providers we’ve reviewed that offers specialized group policies for destination weddings. AIG also has a specific Name Your Family TM  add-on that allows you to add a non-family member to your policy for family-related unforeseen event coverage.

AIG offers three travel insurance plans, all of which include family coverage.

AIG offers several add-ons for its travel insurance plans. While the following list is comprehensive, not all coverages can be added to all plans. We recommend visiting AIG’s website to learn more about plan upgrades.

• CFAR coverage
• $150 missed connection benefit

The company also offers unique coverage bundles that can be added to the Preferred and Deluxe plans, including:

• Adventure sports bundle:  Removes your policy’s exclusions for adventure activities and extreme sports
• Name Your Family™ bundle:  Allows you to add one person as a family member for the purpose of family-related unforeseen event coverage
• Medical bundle:  Increases your policy’s medical benefits
• Inconvenience bundle:  Payment for trip inconveniences such as closed attractions, rental home lockouts, hotel infestation, etc.
• Baggage bundle:  Increases your policy’s baggage benefits
• Pet bundle:  Adds coverage related to your pet, including benefits for boarding and medical expenses
• Security bundle:  Covers costs related to security evacuations and trip interruptions or cancellations due to riot or civil disorder
• Wedding bundle:  Covers the costs if the wedding you are traveling to is canceled

A 35-year-old traveler taking a week-long trip with a total cost of $2,000 can typically expect to pay between $80 and $170 for AIG trip insurance. A 50-year-old traveler may expect to pay between $90 to $180 for coverage on the same trip.

A family of four, including two adults aged 30 and two children under 17, can expect to pay from $150 to $330 for coverage on a $4,000 trip.

• CFAR coverage: Add-on, limited

Why We Picked Trawick International

Health insurance is a must-have protection when staying long-term in the U.S. Trawick International stands out for offering Collegiate Care plans, which provide travel medical coverage to students studying abroad in the U.S. Trawick is underwritten by Nationwide Mutual Insurance, which has an A+ AM Best rating.

Travel medical coverage is available with deductibles as low as $100 and can be purchased for an entire semester. These plans also treat COVID-19 like any other illness, providing unlimited benefits on most treatment plans. While Trawick’s standard travel insurance policies are available to U.S. residents, Collegiate Care plans are limited to international residents. The company also offers international students and scholars evacuation-only coverage.

Trawick International offers three Collegiate Care plans for international students studying abroad in the U.S. Since these plans cover expenses related to travel medical costs, the coverage items will be different from those listed for other providers in this review. You can visit Trawick’s website for more information on policy coverage and costs.

Coverage add-ons are not available on Collegiate Care plans.

An 18-year-old student traveler from Canada visiting the U.S. for a four-month semester can expect to pay around $181 for the basic Collegiate Care Essential plan.

• CFAR coverage: Yes

Why We Picked Seven Corners

Seven Corners offers short- and long-term travel insurance that can be ideal for international travelers looking for affordable coverage. With Seven Corners, you can purchase travel insurance once and enjoy protection year-round, which is ideal for frequent travelers, expats and students living abroad for most of the year. Or if you’d prefer single-trip coverage, plans are available for international adventures up to 90 days.

Seven Corners’ policies include 24/7 emergency and travel assistance over the phone, which can be a lifesaver for regular international travelers. You can also quickly add coverage for domestic travel with a single click, which can be useful for regular travelers. Seven Corners’ streamlined online buying process makes comparing plans simple, and you can easily add coverage for up to 10 guests if you’re booking group travel.

In addition to its annual travel insurance plan, Seven Corners offers two policies for trip protection.

Seven Corners offers the following coverage add-ons:

• Event ticket registration fee protection
• Sports and golf equipment rental
• IFAR coverage (up to 75% of trip costs)

Based on our research, a 35-year-old traveler taking a week-long trip with a total cost of $2,000 can typically expect to pay between $75 and $126 for Seven Corners travel insurance. That same traveler can expect to pay around $400 for annual Seven Corners travel insurance, which covers worldwide travel up to 30 days per year with a $0 deductible.

• Countries Covered: 190

Why We Picked HTH

HTH Travel Insurance offers a variety of single and multi-trip plan options, including travel medical insurance policies. However, it is most notable for its easy group coverage option — you can add multiple group members to your policy and access affordable group insurance at discounted rates. Group insurance includes coverages like a trip interruption, medical and cancellation protection for qualifying reasons.

HTH is also notable for its more inclusive travel insurance policies. You can purchase a policy with or without medical insurance coverage up to 95 years of age. This can benefit senior travelers whom other insurance providers have denied due to age. HTH is underwritten by Nationwide Mutual Insurance Company, which has an A+ rating from AM Best.

HTH Travel insurance offers both travel medical insurance and traditional travel insurance policies. The chart below outlines its TripProtector travel insurance plans, which are underwritten by Nationwide.

HTH offers the following coverage add-ons for individual and group plans:

• CFAR upgrade (up to 75% of trip costs)

A group of five 30-year-old travelers can expect to pay around $456 for a travel insurance policy with HTH. This equals about $91 per person, which is competitive with other travel insurance providers.

• CFAR coverage: No

Why We Picked IMG

If you need a medical travel insurance plan with higher benefits, International Medical Group offers a multi-trip coverage plan that can provide you with long-term, worldwide health insurance. The company offers plans for both individuals and families, and policies include up to $8 million in annual medical benefits. The Global Medical Insurance plan allows you to choose your own deductible, with options as low as $100 and as high as $25,000.

In addition to its travel medical insurance policies, IMG offers travel insurance for single-trip plans. IMG also offers a unique “interrupted for any reason” add-on coverage choice that allows you to apply CFAR-like benefits if you get sick or injured and need to leave your trip early. Regardless of the IMG policy you select, you have 15 days to review coverage and cancel if it is too much for your needs.

IMG is underwritten by SiriusPoint America Insurance Company, which has an A- AM Best rating.

IMG Global offers a variety of travel medical insurance, as well as standard travel insurance plans. Since travel medical plans cover expenses related to health costs, the coverage items will be different from those listed for other providers in this review. You can visit  IMG’s website  for more information on policies and costs.

IMG’s travel medical insurance plans allow you to add the following riders to any coverage level. These riders extend the situations when your injuries and illnesses are covered and you’re entitled to reimbursements for medical care expenses.

• Adventure sports waiver
• IFAR coverage
• Terrorism waiver (medical-only plans)
• Adventure sports waiver (medical-only plans)

The cost of your IMG insurance policy will vary depending on your coverage level and deductible. A 35-year-old can expect to pay between $1,028 and $5,670 annually for worldwide health insurance coverage, while 50-year-old travelers can expect to pay between $2,768 and $18,011.

Several travel insurance companies like Tin Leg , John Hancock , GoReady and TravelSafe did not make our list of top travel insurance companies. Although these companies did not make the cut according to our travel insurance review standards, each is still a reputable, highly-rated provider.

Some of you may be wondering, what is travel insurance and what does it cover? Most travel insurance policies include a few specific protections. Some of the most common coverage items you’ll find include:

• Trip cancellation protection: Compensates you for nonrefundable trip payments prepaid to your hotel, airline , cruise and other vendors if you’re forced to cancel your trip . Note that coverage may only extend to cancellation reasons stated in your policy’s fine print.
• Trip interruption protection: Compensates you for nonrefundable trip expenses if you’re forced to leave your vacation early for a covered reason.
• Baggage delay and loss: Compensates you for lost, stolen or delayed baggage costs.
• Emergency medical expenses: Covers the cost of medical expenses if you’re injured or become ill on a trip. Some travel insurance plans also include coverage limits for dental costs.
• Medical evacuation coverage: Compensates you for the cost of medical transportation if you’re injured and need to be moved elsewhere for health care. Also includes coverage for the repatriation of remains in the event that the insured party passes away during a covered trip.

While the above list includes the more common protections you will find on travel insurance plans, most providers also include coverage for trip delays, missed connections and accidental death and dismemberment. Other companies may offer more unique coverages that focus on sporting equipment rentals, your pet, rental cars and more.

Most travel insurance providers have various add-on coverage options that can complement your policy. The most common travel insurance add-ons include:

• Cancel-for-any-reason (CFAR) coverage: When you claim reimbursement through your travel insurance policy, you’ll need to prove why you’re canceling. With a CFAR upgrade, you can cancel your trip for any reason and still claim a percentage reimbursement on nonrefundable costs.
• Interrupt-for-any-reason (IFAR) coverage: IFAR coverage is similar to CFAR coverage except that it protects you starting 72 hours after your departure until the end of your trip. If you have to cut your trip short for any reason, IFAR will reimburse 75% of the total amount of coverage you purchased for any non-refundable travel arrangements.
• Collision coverage waiver: This add-on extends your rental car coverage to include collision damage.
• Financial default: This type of coverage protects you from financial losses if your airline, resort or other trip vendor declares bankruptcy.
• Pre-existing conditions waiver: Most standard travel insurance policies exclude health conditions if you show symptoms before buying travel insurance. An add-on allows you to extend your coverage to waive pre-existing condition exclusions.

How To Choose the Right Travel Insurance Policy

When selecting a travel insurance policy, we recommend you consider the following factors:

• Approved cancellations: Be sure to know when you’ll qualify for reimbursement through your policy before buying. If you want to ensure cancellation coverage in the case of an unexpected event, look for an insurance provider that offers CFAR upgrades.
• Cost: When considering cost, look at more than just your travel insurance premium. For example, if you’re purchasing travel medical insurance, be sure your coinsurance or deductible is affordable and that your reimbursement percentages are worth the expense.
• Coverage limits: The most inclusive travel insurance policies include a 100% cancellation reimbursement for nonrefundable trip costs and at least 125% coverage for trip interruptions. If you’re planning a high-value trip, you may want to look for a provider with higher per-person limits.

You’ll also want to review the coverages you already have before shopping for more. For example, American Express and many other credit cards include some rental car coverage, and many homeowners insurance policies protect you against theft abroad.

Most travel insurance policies we’ve reviewed offer limited coverage for COVID-19. These plans treat the COVID-19 pandemic like any other illness under medical insurance. If you become sick while traveling or before you leave and are forced to adjust your travel plans, your coverage may come into effect. However, most standard policies do not cover fear of a new COVID-19 strain as a qualifying cancellation reason.

If you’re in a group at a higher risk of COVID-19 and believe a new strain might affect your travel plan, consider upgrading to CFAR insurance. CFAR insurance extends your benefits to situations like fear of flying or illness.

In most cases, travel insurance is not required. However, some countries require visitors to have travel insurance due to visa requirements or diplomatic unrest. These countries typically only require proof that your policy covers emergency medical expenses. You can extend your coverage to also protect you against baggage loss, trip delays and cancellations.

Even if your destination does not mandate travel insurance, the U.S. Department of State recommends that U.S. citizens traveling overseas purchase a policy that covers unexpected medical bills while abroad.

Factors That Determine Cost

Travel insurance is not a one-size-fits-all plan, and the best travel insurance plan for you depends on your specific budget and needs. Several factors can determine how much your travel insurance will cost, including:

• Your age: Some travel insurance companies increase cost and coverage amounts with age. As a general rule of thumb, you should expect to pay more the older you are. But typically prices are the same for travelers up to age 50 and then increase from there.
• Trip cost: No surprise here — the more expensive the trip, the more it will cost the travel insurance company to reimburse you. As such, your travel insurance premium will increase alongside your reported total trip cost.
• Plan type: There are all different types of travel insurance policies. The more protection you have, the more expensive your travel insurance cost will be. Some basic plans may only provide flight or medical protection, which will be cheaper options. If your plan covers multiple means of travel (like flights, rental cars, a cruise, etc.) or more risk-prone sports (like rock climbing), you’ll pay more.
• Add-on coverages: Most plans will give you the option to add on certain features without having to upgrade your entire plan. For example, you may be able to buy basic flight insurance for $30 and add on CFAR coverage for an additional $30.
• Number of travelers: While you can buy a single policy for multiple travelers, each traveler will have their own premium, which increases the total cost of the travel insurance. However, many travel insurance companies offer group discounts.
• Destination: Your travel insurance provider will take the risk factor of your trip destination into consideration when determining the cost of travel insurance. Companies focus less on crime statistics and more on the likelihood of danger. For example, if you’re embarking on a rural jungle adventure, you’ll probably have a more expensive travel insurance cost compared to staying in a populous city with a high crime rate.
• Trip length: Travel insurance cost is typically based on a percentage of your total trip cost, so you’ll likely pay more for your travel insurance the longer your trip is. That’s because longer trips are not only more expensive but also increase the chances of something going wrong.

The table below compares costs for basic coverage for our top companies:

Travel plans can get expensive quickly, so you may be wondering if it’s worth buying travel insurance to begin with.

The answer to this question will vary depending on your specific situation. If you’re saving up for an expensive international trip with hefty airfare, it’s probably worth spending a little extra to insure your trip. But you may reconsider for shorter trips, such as a weekend at the beach. It’s also worth getting travel insurance if you or someone you care for has known medical conditions that might cause you to have to make last-minute trip adjustments or cancellations.

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.

The Bottom Line: Who is the Best Company to Get Travel Insurance From?

The best travel insurance will vary depending on your budget, the price of your trips and your coverage needs.

Get a quote from at least three competing travel insurance providers before investing in coverage — we recommend starting with a quote from each of the providers listed above. Every travel insurance company uses its own formula to determine how much you’ll pay for coverage, which means that the only way to know you’re getting the best price is to know what’s out there. You can work with your local insurance agent to compare multiple quotes and discuss your options.

Frequently Asked Questions About Travel Insurance

Does travel insurance get more expensive closer to the trip.

Unlike most other types of insurance, you won’t be penalized for buying your travel insurance closer to the dates you might use it. However, many travel insurance companies require that you purchase coverage within a limited time after booking your trip. Luckily, travel insurance prices do not increase as you get closer to your departure date. That being said, some options (like CFAR coverage) may only be available for a limited time before you travel.

When does travel insurance expire?

Your travel insurance policy will expire on the date you indicate when you purchase the plan. For most travelers, this will be the final day of your vacation. Frequent travelers might also have the option to buy annual travel insurance that protects them for a year.

What does international travel insurance cover?

International travel insurance provides you with a reimbursement for nonrefundable travel expenses if you’re forced to cancel your trip or leave your destination early. In addition, it may reimburse you for travel expenses like airfare and hotel costs if you cannot claim a refund from your vendors directly.

How close to a trip can you cancel and still by covered by insurance?

That depends. Most travel insurance companies require canceling anywhere from 24 hours to a week or more before departure in order to be eligible for reimbursement.

Methodology: Our System for Ranking the Best Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to London.
• A 30-year-old couple taking a $7,000 trip to London.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (30%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (32%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (18%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

Find the best [category]

U.S. News 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.

The 5 Best COVID-19 Travel Insurance Options for 2023

Travelex Insurance Services »

Allianz Travel Insurance »

World Nomads Travel Insurance »

Generali Global Assistance »

IMG Travel Insurance »

Why Trust Us

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

Table of Contents

• Rating Details
• Travelex Insurance Services
• Allianz Travel Insurance

Even though COVID-19 is no longer considered a global emergency, concerns around illness-related costs remain for many travelers. If you're looking for travel insurance that covers COVID – as well as other potential disruptions like flight delays and lost luggage – these are your best options.

• Travelex Insurance Services: Best Optional Coverage Add-ons
• Allianz Travel Insurance: Best for Multitrip and Annual Plans
• World Nomads Travel Insurance: Best for Active Travelers
• Generali Global Assistance: Best for Comprehensive Travel Insurance
• IMG Travel Insurance: Best for Travel Medical Insurance

Best COVID Travel Insurance Options in Detail

Plans include coverage for COVID-19

Optional CFAR coverage is available with Travel Select plan

Some coverages require an upgrade, including rental car collision, accidental death and dismemberment, and more

Not all add-ons are available with every plan

Allianz offers some travel insurance plans that come with an epidemic coverage endorsement

Single-trip, multitrip and annual plans available

COVID-19 benefits don't apply to every plan

Low coverage limits with some plans (e.g., only $10,000 in emergency medical coverage with OneTrip Basic plan)

24-hour travel assistance services included

More than 200 sports and activities covered in every plan

Low trip cancellation benefits ($2,500 maximum) with Standard plan

No CFAR option is offered

Free 10-day trial period

Some coverage limits may be insufficient

Rental car damage coverage only included in top-tier Premium plan

Offers travel medical insurance, international travel health insurance and general travel insurance plans

Some plans include robust coverage for testing and quarantine due to COVID-19

Not all plans from IMG offer coverage for COVID-19

Cancel for any reason coverage not available with every plan

Frequently Asked Questions

When comparing COVID-19 travel insurance options, you'll want to make sure you fully understand the coverages included in each plan. For example, you should know the policy inclusions and limits for COVID-related claims, including coverage for testing, treatments, trip cancellation or COVID-related interruptions that can occur. Meanwhile, you should understand how your coverage will work if you contract some other illness while away from home.

Also ensure your travel insurance coverage will kick in for other mishaps that occur, and that limits are sufficient for your needs. If you're planning a trip to a remote area in a country like Costa Rica or Peru , you'll want to have emergency evacuation and transportation coverage with generous limits that can pay for emergency transportation to a hospital if you need treatment.

You can also invest in a travel insurance policy that offers cancel for any reason coverage. This type of travel insurance plan lets you cancel and get a percentage of your prepaid travel expenses back for any reason, even if you just decide you're better off staying home.

It depends on your private health insurance provider and/or travel insurance policy. As of May 11, 2023, private health insurers are no longer required to cover the cost of COVID-19 testing. Out-of-pocket costs for COVID-19 test kits at local drugstores and on Amazon are relatively affordable, however.

As you search for plans that will provide sufficient coverage for your next trip, you'll find travel insurance that covers COVID-19 quarantine both inside and outside the United States. However, you'll typically need to have your condition certified by a physician in order for this coverage to apply. Also make sure your travel insurance plan includes coverage for travel claims related to COVID-19 in the first place.

Many travel insurance plans do cover trip cancellation as a result of COVID-19, although the terms vary widely. You typically need to be certified by a physician in order to prove your condition. Disinclination to travel because of COVID-19 – such as fear of exposure to illness – will generally not be covered. This means you will actually have to test positive for coronavirus for benefits to apply; simply not wanting to travel is not a sufficient reason to make a claim.

If you want more flexibility in your COVID-19 travel insurance, ensuring you have a cancel for any reason policy may be your best bet, but be sure to check with your chosen travel insurance provider to assess your options.

Why Trust U.S. News Travel

Holly Johnson is an award-winning writer who has been covering travel insurance and travel for more than a decade. She has researched the best travel insurance options for her own trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. Over the years, Johnson has successfully filed several travel insurance claims for trip delays and trip cancellations. Johnson also works alongside her travel agent partner, Greg, who has been licensed to sell travel insurance in 50 states.

You might also be interested in:

Travel Insurance for Seniors & Retirees: 5 Best Options

Holly Johnson

Discover coverage options for peace of mind while traveling.

Does My Health Insurance Cover International Travel?

Private health insurance typically doesn't cover international travel expenses.

The 9 Cheapest Travel Insurance Companies of November 2023

Holly Johnson and Erin Evans

U.S. News rates the cheapest travel insurance options, considering pricing data, expert recommendations and consumer reviews.

Is Travel Insurance Worth It?

Learn more about what travel insurance covers and how it can give you peace of mind.

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The best travel insurance companies to make sure your next trip is covered

Travel insurance can protect you against a range of unforeseen events, from lost bags to medical emergencies..

Whether you're taking a family vacation to Disney World or a romantic cruise through the Mediterranean, travel insurance could help protect your trip from the unexpected. From trip cancellations and flight delays to medical emergencies, travel insurance could protect you financially and give you peace of mind.

There are several different types of travel insurance plans to choose from when shopping for a policy. Here are a few of the common coverage types:

• Trip cancellation coverage : Helps you recoup travel expenses if you can't travel, though generally limited to specific reasons.  
• Travel delay coverage: Helps you cover expenses if your travel is delayed due to a covered reason. 
• Trip interruption coverage: Helps if you need to cut your trip short. Covered reasons may include an injury or illness on the trip, or a family emergency at home. 
• Medical expenses and emergency evacuation coverage: This covers unforeseen medical expenses when traveling outside of the U.S. where your health insurance may not work. Emergency evacuation could help get you home if medically needed while overseas. 
• Baggage loss: Covers baggage that is lost, damaged or stolen during your trip.

You'll also want to consider the prospective insurer's epidemic-related coverage. Each insurance company covers epidemic-related issues, such as Covid-19, differently, so it's worth checking the fine print on a policy you're considering.  

CNBC Select analyzed dozens of different U.S. travel insurance products and narrowed down the top six for all sorts of travelers. (Read more about our methodology below.)

Best travel insurance companies

• Best overall: AXA Assistance USA travel insurance  
• Runner-up: Travel Guard travel insurance
• Best for cancellation coverage: Allianz travel insurance
• Best for travel medical plans: USI Affinity travel insurance
• Best for cruise insurance: Nationwide travel insurance
• Best for luxury travel: Berkshire Hathaway Travel Protection

Best overall 

Axa assistance usa travel insurance.

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

Policy highlights

AXA Assistance USA offers several travel insurance policies that include travel interruption, trip cancellation, and the option of cancel for any reason (CFAR) coverage.

24/7 assistance available

• Three tiers of plans available
• Highly rated for financial strength
• Cancel for any reason only available on highest-tier coverage

AXA Assistance USA ’s travel insurance offers three different plans for travelers to choose from, with the most basic plans including trip interruption and cancellation and baggage and personal effects coverage. The platinum plan offers coverage for lost ski days and golf rounds, ideal for trips centering around those activities. 

Travel Guard® Travel Insurance

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.

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

For those wanting to cover an upcoming trip, Travel Guard is a strong option for its variety of coverage types. With three base packages available online and more options available through a representative, there are a variety of ways to customize your policy. The deluxe, preferred and essential plans include coverage for one related child age 17 or younger.

Best for trip cancellation coverage

Allianz travel insurance.

10 travel insurance plans make it possible to customize your coverage. For families, Allianz's OneTrip Prime package covers children age 17 and younger when traveling with a parent or grandparent.

• Trip cancellation benefits can reimburse your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. 
• Limited coverage for risky sports

Travelers who want the ability to cancel their trips will find 10 different travel insurance policies through Allianz . You can either purchase coverage for a specific trip or purchase an annual plan that covers an entire year's worth of trips. Instead of basic cancel for any reason coverage, Allianz offers a Cancel Anytime policy that can reimburse up to 80% of prepaid, non-refundable trip costs, while many other companies we reviewed cap "cancel for any reason" (CFAR) coverage at 75%. 

Best for travel medical plans

Usi affinity travel insurance.

USI Affinity has travel medical policies in addition to trip cancellation policies. Travel medical plans include an option for frequent travelers to cover multiple trips. Trip cancellation options include coverage for road trips and group travel.

• Wide variety of plans for both trip cancellation coverage and travel medical insurance
• CFAR only covers up to 70% of non-refundable trip costs

People who are traveling out of the country can find medical plans from USI Affinity to cover them during their travels. Frequent travelers can get an annual medical plan that covers them on multiple trips of 30 days or less. This company also has trip cancellation insurance policies in addition to global travel medical plans. 

Best for cruise insurance

Nationwide travel insurance.

Nationwide's wide coverage for travel insurance allows many different types of travelers to find coverage that fits their needs. Three levels of cruise insurance coverage gives extra options to cruise passengers.

• 10-day review period on cruise insurance policies to make sure the plan meets your needs (not available in NY or WA)
• Most basic cruise plan doesn't offer CFAR coverage

Those planning a cruise in the future might find cruise-specific travel insurance helpful. Nationwide offers cruise-specific insurance that can cover things like emergency accidents, sicknesses, itinerary changes and trip interruption to start. Nationwide offers three tiers of cruise insurance (universal, choice and luxury) to get the right level of coverage for every type of trip. Nationwide offers a 10-day review period on its cruise policies (though unavailable in NY or WA), giving you extra time to look over the policy and ensure it’s a good fit. 

Best for luxury travel 

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.

• Wide variety of policies available
• Strong financial strength rating by AM Best
• Cancel for any reason only provides reimbursement for up to 50% of non-refundable trip payments

Since a luxury vacation is a large investment, insuring it could make sure that cost is covered if you have to cancel or have your trip interrupted. Berkshire Hathaway ’s LuxuryCare travel insurance has high limits of coverage for trip interruption coverage, medical expenses, and coverage for things like sporting equipment. Berkshire Hathaway also covers cruises and adventure travel with other separate plans. 

Travel insurance FAQs

How do i choose the best travel insurance .

The best travel insurance is one that will meet your needs, cover the type of travel you’re doing (and the experiences you’re planning) and will give you the peace of mind you need. 

Shopping around for travel insurance can help you make sure that you get the best deal possible. Since policies and coverage can vary by company, it could be helpful to get several quotes and compare the coverage limits and types available from several companies to find the best deal for your specific needs and trip. 

To simplify the shopping process, a travel insurance comparison site like InsureMyTrip or Squaremouth could help you get an idea of how much you’ll spend and what types of insurance coverage are available for your trip. 

Is travel insurance worth it? 

Whether or not travel insurance is worth it could depend on the types of coverage you already have, including whether or not an existing travel credit card you hold could provide similar coverage, and whether that would cover your concerns. 

Some travel credit cards offer car rental insurance , baggage insurance, trip delay insurance, and trip cancellation and interruption insurance. In addition, others offer more coverage like travel accident insurance. 

The Chase Sapphire Reserve® card, for example, offers travel accident insurance, emergency evacuation insurance, and coverage for baggage delays and lost luggage reimbursement. Several of CNBC Select’s top travel credit cards also offer some credit card travel insurance that could cover potential travel issues.

How much does travel insurance cost?

The average travel insurance costs between 4% and 10% of your prepaid, non-refundable trip costs, according to travel insurance marketplace InsureMyTrip . 

However, travel insurance costs vary based on the cost of the travel you’re insuring, as well as the age of the travelers and any extra coverage that’s added to the policy. 

Bottom line

Travel insurance can cover a variety of unexpected events on your trip, from lost baggage to emergency medical expenses. While costs vary based on age, type of coverage and trip costs, it can be useful if you need to cancel or cut your trip short.

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 .

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 travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel 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. See our methodology for more information on how we choose the best travel insurance.

Our methodology 

To determine the best travel insurance companies, CNBC Select analyzed dozens of U.S. travel insurance companies that come with a wide variety of policies and offer coverage for a number of situations. 

When narrowing down the best travel insurance companies, we focused on the coverage available, including the number of plans available, 24/7 assistance availability and cancel for any reason (CFAR) coverage availability. We also considered financial strength ratings from AM Best and Better Business Bureau ratings for customer satisfaction. 

From there, we sorted our recommendations by the best overall and runner-up, best for cancellation coverage, best for travel medical plans, best for cruise insurance and best for luxury travel.

Note that the premiums and policy structures advertised for travel insurance companies are subject to fluctuate in accordance with the company’s policies.

Catch up on CNBC Select’s in-depth coverage of credit cards , banking and money . And follow us on TikTok , Facebook , Instagram and Twitter to stay up to date.

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• Personal Finance

Best Travel Insurance Companies

Travelex features competitive pricing and customizable policy options

We independently evaluate all recommended products and services. If you click on links we provide, we may receive compensation. Learn more .

Booking a trip can cost hundreds or thousands of dollars, so it might make sense to buy travel insurance. Travel insurance protects you in the event you have to cancel or cut your journey short for many reasons, including weather, illness, government shutdowns, and more. Many policies also provide benefits for lost luggage or medical services received when abroad.

The best travel insurance policies are affordable while still providing great coverage with few exclusions or limits and high customer satisfaction ratings. Our list of top travel insurance companies can help you choose the right provider for you, but you should also do your research to make sure the policy covers your particular trip.

We chose the insurers in our list based on an analysis of 31 travel insurance companies across several areas important to travelers, including options available for your coverage, claim and policy limits, what the policy does and doesn't cover, and typical policy costs. We gave the most weight to insurance coverage limits and what the policies covered.

Best Travel Insurance Companies of 2023

• Best Overall: Travelex
• Runner-Up, Best Overall: Allianz Travel Insurance
• Best Value: InsureMyTrip
• Most Comprehensive Coverage: World Nomads
• Best for Seniors: HTH Travel Insurance
• Best for Cruises: Nationwide
• Best for Medical Coverage: GeoBlue
• Our Top Picks

Allianz Travel Insurance

InsureMyTrip

World Nomads

HTH Travel Insurance

• See More (4)

Final Verdict

• Compare Providers

Methodology

Best overall : travelex.

• Number of Policy Types: 3
• Coverage Limit: $25,000
• Starting Price: $24

Travelex offers extensive coverage (up to 150% for interruptions) for you or your family at a competitive price—and kids are included at no extra charge. A relatively low price for the high levels of coverage made it our top choice. Look for the Travel Select plan for the best coverage.

Competitive pricing for comprehensive coverage

Multiple plan options with customizable features

Children younger than 21 covered at no extra cost

Mixed pre-existing condition coverage depending on the policy purchase date

No annual plan available

Basic coverage plan features minimal coverage

Travelex Insurance Services is a well-known travel insurance provider based in Omaha, Nebraska. Founded in 1996, Travelex offers several insurance packages depending on the coverage you need for your trip. Policies are underwritten by Berkshire Hathaway Specialty Insurance company, which earns an A++ rating from AM Best and AA+ from Standard & Poor’s.  Coverage is available to customers worldwide.

The Travel Select plan starts at about $36 and includes trip cancellation, trip interruption, and emergency medical and evacuation, but there also are several ways to customize and upgrade coverage.

Travel is covered up to 100% of $50,000 for cancellations. You can receive up to 150% of the trip cost up to $75,000 for trip interruptions. Emergency medical limits are $50,000, and emergency evacuation coverage is good for up to $500,000.

In addition, Travel Select has a 15-day pre-existing condition exclusion waiver. If you purchase your policy within 15 days of paying for your trip and insure the full cost of the trip, your pre-existing injury or illness is likely covered.

Runner-Up , Best Overall : Allianz Travel Insurance

• Number of Policy Types: 10
• Coverage Limit: Starting at $3,000
• Starting Price: $138

Allianz gets the runner-up spot because of its extensive coverage for frequent travelers with a low cost per trip. Get the best coverage from the AllTrips Executive Plan. Individual trip coverage is also available.

Annual- or single-trip plans are available

Many policy types fit varying needs

Cover yourself and your household all year even if you’re not traveling together

Does not cover extended travel periods

Some annual plans have per-trip limits while others have annual limits

Limit for emergency medical transportation coverage is only $250,000

Allianz Travel is a subsidiary of Allianz, which traces its history back to 1890 in Germany. Travel policies are underwritten by insurers with AM Best ratings of A to A+ and are available only to legal U.S. residents.

Travelers who want to hit the road many times per year should consider annual travel insurance rather than individual per-trip policies. Allianz Travel offers four different annual plans with varying benefit levels. We particularly like its AllTrips Executive Plan, which has the highest limits and coverage.

The AllTrips Executive Plan provides tiered limits starting at $5,000 for trip cancellation or interruption coverage. It also offers $50,000 for emergency medical and $250,000 for emergency transportation per insured per trip. There is a lengthy list of exclusions, including extreme sports, so make sure to read the fine print before jumping into adventure activities.

Quotes for a single traveler, a couple, and a family of four had a price point of $500 per traveler per year. If you pay for comprehensive coverage at $120 per person per trip and are going to travel at least five times per year, you will break even with this plan. If you’re looking for lower costs, the AllTrips Basic, Premier, and Prime options are also available from Allianz.

Best Value : InsureMyTrip

• Number of Policy Types: Multiple options from over 20 providers
• Coverage Limit: Varies
• Starting Price: $25 to $100

Compare policies from more than 20 different travel insurance providers with one form so you know you’re getting a good deal for the coverage you need. You can find low-cost trip coverage or customize a plan to meet your needs so you don’t overpay for coverage you won’t use.

Search for quotes from multiple reputable insurers

Shop around with one application for multiple trip types

View multiple plans from eligible insurers for your planned trip

Many popular insurers are not included in listings

Initial listing pages don’t show policy limits

Includes some policies with low coverage limits

Founded in 2000, InsureMyTrip is a travel insurance comparison website that searches from more than 20 insurers using one intake form. It offers an easy-to-use sign-up tool to quickly compare multiple policies based on your specific needs. Filters are available to pick policies that cover adventure sports, higher limits, increased medical coverage, and more.

A quote for a family of four taking a 14-day trip that costs $4,000 and includes plane and hotel expenses resulted in three suggested plans with costs of around $100 to around $400 for varying levels of protection. Basic features included luggage coverage, travel delay, and medical care. Note that rates will differ based on where customers are originating from and where they are vacationing, as well as other variables.

The insurers you'll find while using InsureMyTrip have earned a variety of industry ratings and are generally considered reputable and financially stable. Still, as with policies bought directly from insurers, it’s a good idea to read the policy details before clicking the buy button. Each underlying insurer has different claims processes, exclusions, and limits. InsureMyTrip makes it easier, however, to be an informed travel insurance buyer.

Most Comprehensive Coverage : World Nomads

• Number of Policy Types: 2
• Coverage Limit: $2,500 to $10,000
• Starting Price: $100 to $200

Adventure travelers and digital nomads are well protected by this plan, which offers extensive coverage (up to $100,000 for accidents) for some of the most extreme adventures.

Extensive coverage with high limits for medical and emergency evacuation

Protects your bags, computers, and sports equipment when traveling

Explorer plan covers adventure sports

Only single-trip plans are available

Most pre-existing conditions are not covered

Not all policies cover adventure sports

World Nomads is a good insurer for those looking for adventure. The Australia-based provider is a solid choice for worldwide travel with few excluded activities. Policies are underwritten by various insurers including the financially strong and well-known Nationwide Mutual Insurance Company, Generali Global, AIG, and Lloyd’s.

Coverage includes terrorist attacks, assault, medical repatriation, equipment and baggage, and overseas medical and dental. The high-end Explorer Plan covers activities including snow sports, water sports, aviation, motorsports, athletics, and high-adventure experiences. It names more than 200 activities, many of which other insurers specifically exclude.

For the Explorer Plan, a solo 35-year-old would pay around $200, depending on inputs like state of origin, for a month in Thailand, which is reasonable for such extensive coverage. The Standard Plan costs around $100 for the same trip, but it makes sense to choose higher coverage levels if you’re worried about something going wrong.

This U.S.-based policy is underwritten by Nationwide (rated A+ by AM Best) with a $100,000 limit for emergency accidents and illnesses, $500,000 for emergency evacuation, $10,000 for trip cancellation (or interruption), and much more.

Though it doesn’t have the same insurance reputation as some other providers, it works with reputable companies to underwrite policies.

Best for Seniors : HTH Travel Insurance

• Number of Policy Types: 5
• Coverage Limit: $5,000 to $50,000
• Starting Price: Varies

Medical coverage may be important to senior travelers who need excellent protection with flexible options while on a budget. This is where HTH Worldwide stands out. Seniors can get high levels of medical coverage.

High levels of medical coverage for seniors up to 95 years old

Up to a $1,500 allowance for someone to visit you in the hospital

May be expensive depending on your needs

Best plan for seniors requires existing health insurance

Lowest policy has a $50,000 maximum benefit per person

HTH Worldwide was founded in 1997, and HTH Travel Insurance offers plans with high levels of medical coverage. That’s a big concern for seniors leaving the country , as they could end up in a doctor’s office or hospital with an expensive bill to follow. HTH Travel Insurance offers up to $1 million in total coverage for medical.

Policies for travelers with existing primary insurance enjoy 100% coverage for typical hospital charges, including surgery, tests, office visits, inpatient hospital stays, and prescription drugs outside of the U.S., among other coverage.

Medical evacuation is available up to $500,000, but trip interruption and baggage coverage are pretty light. Most people will choose this plan for medical rather than travel benefits. This policy is available to applicants who are 95 years old or younger.

Insurance is also available for people without existing health coverage. Most seniors in the U.S. are covered by some existing coverage, such as Medicare, but Medicare doesn’t work outside of the United States, leaving seniors uninsured when abroad. HTH Travel Insurance provides policies for those without existing medical coverage. The age limit is 95, but there is a 180-day pre-existing condition exclusion.

Best for Cruises : Nationwide

• Number of Policy Types: 8
• Coverage Limit: $10,000 to $30,000
• Starting Price: $100

Multiple options protect your cruise vacation with tailored coverage for common cruise trip issues. This makes Nationwide a good pick for those who take to the high seas for their vacations. Make sure to review the benefit levels so you pick the right coverage for your needs.

Large insurer with a strong reputation

Three different cruise insurance plans to choose from

Coverage for common cruise issues like missed connections and itinerary changes

Some plans have low coverage levels for some incidents

Benefit limits are low for trip interruption for any reason

Pre-existing conditions may not be covered

Nationwide has been around since 1925 and offers most popular types of insurance including auto, home, and life. It also has an array of travel insurance coverage for individual trips, multi-trips, and cruises.

To protect your single trips, Nationwide offers trip cancellation of up to $10,000 with its Essentials plan and $30,000 with its Prime plan. Travelers may also get an annual travel insurance package for just $59 a year to cover delays, medical expenses, medical evacuation, lost luggage, and travel assistance.

Its custom-tailored plans for cruises, however, are what landed it in this category. The Universal Cruise plan, Choice Cruise plan, and Luxury Cruise plan make it easy to pick the right coverage for your individual needs. The cost for a couple on a 10-day cruise to Mexico, for example, was quoted at around $200 for both the Universal and Choice plans.

Cruise insurance from Nationwide covers what you worry about most with a cruise. Things like broken-down ships and itinerary changes can lead to missed excursions and flights or other costs. For the Universal Cruise plan, emergency medical expenses are covered up to $75,000 with medical evacuation benefits up to $250,000.

Additionally, all plans include coverage for the weather, an extension of school sessions, work emergencies, and terrorism. The luxury plan also covers the Centers for Disease Control and Prevention warnings in effect at your destination.

Best for Medical Coverage : GeoBlue

GeoBlue offers multiple options to buy travel medical insurance coverage for a lower price than a full travel insurance package. It offers medical coverage on its own if you don’t want or need additional travel coverage.

Coverage for medical needs when traveling

Gives a la carte medical coverage when other trip costs are already covered

Different policies allow you to cover various needs and pre-existing conditions

Primarily covers medical costs

Additional primary medical coverage required

GeoBlue is part of Worldwide Insurance Services, and policies come with a license from Blue Cross Blue Shield Association. Policies are issued by 4 Ever Life International Limited, a company with a history of more than 60 years and an A rating (Excellent) from AM Best.

If you just need coverage for medical needs, GeoBlue is a good choice. This insurer offers only travel medical coverage. Paying for medical coverage means you aren't paying for the rest of your travel insurance, which already you already may have covered. If you already have a credit card with travel insurance included , your card's terms likely protect things like lost luggage and missed flights, for example. Instead, you get covered just for medical, and the costs for that are as low as a few dollars per day.

Because you’re mostly getting travel medical coverage, you will pay a lot less than most other insurers on this list. Just make sure you completely understand what it does and doesn't cover. You will receive only minimal luggage protection and travel interruption coverage with GeoBlue's plans.

GeoBlue has two general plans for single trips, multiple trips, and long-term travel. Additionally, there are five specialty policies for niche travel medical insurance needs, like study abroad. It doesn’t cover everything related to your trip, but it makes medical coverage much more affordable.

There are many options to choose from when it comes to travel insurance. It can provide you with peace of mind and save you thousands of dollars if your travel plans are canceled or interrupted at the last minute. With world events like pandemics, natural disasters, and wars that could easily throw an unexpected wrench in your travel plans, travel insurance helps you to stay prepared. Overall, our top choice for travel insurance is Travelex.

Travelex offers competitive pricing for comprehensive travel insurance. Policies from Travelex cover everything from canceled or interrupted trips to medical emergencies and evacuations. It also features a 15-day pre-existing condition waiver, which means that as long as you book your trip several weeks in advance, you’ll likely still be covered.

Compare the Best Travel Insurance Companies

Frequently asked questions, how do i compare travel insurance providers.

When comparing travel insurance policies, there are a few things that you should keep in mind. These include:

• Pricing: Pricing is one of the most significant factors when comparing travel insurance policies. Look for a provider that offers low rates and doesn’t skimp on coverage.
• Policy types: Depending on where you’re traveling and how long you’re staying there, different policy types may work best for your situation. For instance, you may need a different policy for a weeklong trip than you would if you plan to travel abroad for several months.
• Coverage limits: Travel insurance plans have coverage limits for trip cancellation, interruption, and medical expenses. Look for a plan whose coverage limit matches the amount you’ve spent on your travel plans.
• Exclusions: Some travel insurance plans come with exclusions. If you’re worried about a particular event or accident, make sure it’s covered before you pay for a plan.
• Customer satisfaction: Customer satisfaction is also an important factor when purchasing a travel insurance plan. Look for a provider with high customer satisfaction ratings and a history of good customer service.

What Is Travel Insurance?

Travel insurance covers common problems when traveling. From trip interruptions to full cancellations, it can help protect the money you put down for your travel experience.

Common coverage includes more than just an unexpected trip stoppage. It can also cover lost or damaged luggage and changes to your itinerary for covered reasons, among other benefits.

Medical coverage is an important factor to consider because your current health insurance may not work away from home. The best travel insurance includes coverage for medical treatment, dental emergencies, and medical transportation. If you have any pre-existing conditions or are at risk, it’s important to make sure your policy covers these, too.

Is Travel Insurance Worth It?

Though travel insurance may seem like an unnecessary extra expense, it can save you a significant amount of money in the event that something happens to cancel or interrupt your trip. Travel insurance can also help to cover the cost if you experience a medical emergency while away from home. Especially for large trips where you’re spending a lot of money, travel insurance can help to provide peace of mind that you’ll be able to recoup the money you’ve paid if something unexpected happens.

That said, travel insurance might not be necessary in all cases. You should check to see what coverage is already available to you through other venues. For instance, many credit cards cover the cost of lost or delayed luggage if you purchase your airfare using that card. Travel insurance also may not be necessary for routine travel within the same country, like going to visit a family member or friend for a few days.

How Do You Apply for Travel Insurance?

When you’ve selected a travel insurance plan that meets your needs, the next step is to apply for travel insurance. You’ll need to provide the insurance company with some basic information about yourself and your travel plans, including your age, where you live, the date and location of your trip, and your total travel expenses, including for things like flights and hotel stays.

Many insurance companies let you apply for a policy entirely online. When your application has been approved, you can typically manage your account online and add details about your trip. In the event that you do need to file a claim, you can typically complete this process online.

What Does Travel Insurance Typically Include?

Travel insurance may include many different benefits. Here’s a look at some common situations covered by many travel insurance plans:

• Trip cancellation
• Trip interruption
• Missed connection
• Baggage and possession loss, damage, and theft
• Delayed luggage
• Emergency medical treatment
• Emergency medical evacuation
• Accidental death and dismemberment (AD&D)

There are additional specialty coverages as well, such as customized policies for cruises. It’s a good idea to shop around and compare before making a final decision.

What Does Travel Insurance Typically Exclude?

Just as homeowners insurance often excludes things like earthquakes and floods, travel insurance has common exclusions you need to know about. Here are some types of coverage you may not get with travel insurance:

• Weather-related cancellations and delays
• Trip cancellation or changes due to acts of terrorism
• Trip cancellation or changes due to a pandemic
• Injuries from extreme sports and high-adventure activities
• Cancellation for any reason

Though most policies have limits and exclusions around these circumstances, not all do. Some insurers on this list have special coverage for these exact causes or include them in standard plan terms. Again, this is why it’s so important to read your policy documents before paying for and locking in your policy.

What Are the Expected Costs of Travel Insurance?

Travel insurance costs vary widely by coverage and insurer. You can expect to pay anywhere from a few dollars a day to more than $10 a day for short-term and single-trip coverage. The cost of your trip is another major factor in the insurance rate.

That means insurance for a single trip could cost anywhere from around $20 to hundreds of dollars. Annual policies cost around $500 per year for high levels of coverage.

There are many inexpensive travel insurance plans available, but most travelers are best protected with comprehensive coverage. It costs a bit more, but if you need to file a claim, you’ll be glad you have it.

Is Travel Insurance Worth The Cost?

Travel insurance premiums can cost hundreds of dollars, so it’s ultimately up to you to decide if it’s worth the cost. It might not be worth it for lower-cost trips and low-risk vacations. However, expensive international trips or large family vacations can make additional travel insurance a reasonable investment.

If you spend thousands of dollars on a trip, it is probably worth spending a couple of hundred more to make sure you get your money back if the trip doesn’t go as planned. If something goes wrong, which can lead to expenses valued at tens of thousands of dollars, it’s good to have a financial backstop so you don’t have to pay for everything out of pocket.

To come up with this list of the top travel insurance providers, we looked at more than 30 different travel insurance companies and plans. Major areas of focus included coverage options, claim and policy limits, what’s covered, and typical insurance policy costs.

The biggest focus was on insurance coverage limits and what each policy covers. Cost is important, but a difference of $20 for much better coverage is often negligible. The most important features examined in this review are the ones that make your policy valuable and easy to use if you ever need it.

Travelex. " About Travelex ."

S&P Global Market Intelligence. " Insurance Ratings Actions: S&P Acts on Berkshire Hathaway’s Insurance Segment ."

AM Best. " AM Best Affirms Credit Ratings of Berkshire Hathaway Life Ins Co of Nebraska and First Berkshire Hathaway Life Ins Co ."

Travelex. " Travel Select ."

Allianz. " History of Allianz ."

AM Best " AM Best Upgrades Credit Ratings of BCS Financial Group Members ."

AM Best. " AM Best Affirms Credit Ratings of Allianz SE and Rated Subsidiaries ."

Allianz Travel. " AllTrips Executive ."

InsureMyTrip. " Our People ."

World Nomads. " What's Covered for Americans? "

World Nomads. " Summary of Plan Benefits: Explorer Plan ."

AM Best. " AM Best Affirms Credit Ratings of Nationwide Mutual Insurance Company and Its Key Operating Subsidiaries ."

HTH Travel Insurance. " About Us ."

U.S. Centers for Medicare and Medicaid Services. " Travel Outside the U.S. "

HTH Travel Insurance. " Options for Travelers Without a Primary Plan ."

Nationwide. " About Nationwide ."

Nationwide. " Nationwide Single-Trip Insurance ."

Nationwide. " Nationwide Annual Travel Insurance ."

Nationwide. " Cruise Travel Insurance ."

4 Ever Life. " About Us ."

AM Best. " AM Best Upgrades Credit Ratings of BCS Financial Group Members ."

GeoBlue. " Travel Medical Insurance Plans ."

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The Ultimate Guide to Buying the Best Travel Insurance [For You]

Christine Krzyszton

Senior Finance Contributor

Countries Visited: 98 U.S. States Visited: 45

Keri Stooksbury

Editor-in-Chief

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Director of Operations & Compliance

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Situations Where Travel Insurance Can Help

Covering your major concerns, when to buy travel insurance, credit cards, employer-sponsored health insurance, club memberships, medicare supplements and advantage plans, travel insurance comparison tools/websites, world nomads — best for comprehensive coverage and adventure activities (recommended), travelex /berkshire hathaway travel insurance — family protection for children at no extra cost, geoblue — affordable annual medical travel insurance, usaa — travel insurance for military and families, allianz — affordable annual travel insurance, expedia — an impulse buy you can prepare for, other travel insurance companies, single trip policies, multiple trip or multi-destination policies, annual policies, travel insurance for seniors, special needs and travel insurance for those with disabilities, group travel insurance, pet travel insurance, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Whether you’re traveling with family or solo, on an epic adventure or a weekend getaway , travel insurance can go a long way toward providing peace of mind during your trip. And if things should go wrong, you’ll find consolation in being financially covered.

With all that’s at stake, you’ve probably given serious thought to purchasing travel insurance just like I have. There have certainly been times when I’ve needed it, including severe flight delays, a parasailing accident in Mexico, and when my luggage took a trip of its own!

Unfortunately, it’s also easy to become overwhelmed with the vast selection of travel insurance options available. We’ve created this guide to help you sort through the confusion and demystify the process.

In this article, we’ll cover all the information you need to:

• Determine the type of coverage you need
• Find out if you currently have any travel coverage
• Narrow your options to just a few policies that fit
• Select a reputable travel insurance company

Let’s get started with helping you find the best travel insurance policy for your situation.

Why You Need Travel Insurance

If you travel frequently, you’ve probably experienced an event where travel insurance would have helped.

Whether it was a severely delayed flight, illness abroad, stolen possessions, or a canceled trip due to an unforeseen event — travel insurance could have made the situation better.

Travel Insurance can cover a variety of situations. Here is just a sampling of those you can easily purchase coverage for:

• You have an accident and need medical evacuation to a nearby hospital: According to travel insurance company Allianz, the estimated cost of medical evacuation ranges from $15,000-$20,000 in Mexico to over $200,000 in Asia, Australia, and the Middle East.
• You miss your cruise because your flight is severely delayed or canceled: Catching up with your cruise once it has departed can be costly!
• You can’t take a planned trip due to illness: The entire cost of your trip and any pre-paid arrangements could be at risk if you become ill and unable to travel. Coverage is even available when travel companions become ill and you must forego your trip.
• You become ill while abroad: The cost of medical attention abroad can be expensive, and it can result in increased costs to rearrange your itinerary.
• Your baggage is lost or delayed: After your bags have been delayed a minimum amount of time, usually 12-24 hours, coverage kicks in and provides money for essentials.

Bottom Line: It’s prudent to buy travel insurance for expensive trips. You may go several years without using the coverage you’ve purchased, but one incident could cause you to incur thousands of dollars in expenses, far exceeding the cost of insuring multiple trips. 

If money is no object, you can purchase a lot of travel insurance to make sure you’re covered for nearly every situation you’ll encounter. In reality, you’ll probably want to balance cost with the coverages that are most important to you.

For some travelers, their greatest concern is the huge cost of an emergency medical evacuation. For others it can be the risk of getting ill and not being able to travel on a trip they’ve paid thousands of dollars for already.

But don’t fret: there’s a travel insurance plan for just about any travel concern that can cost you money if things go wrong.

Here are some of the plan types available:

• Emergency Medical Evacuation: Pays to get you to the nearest hospital, even in remote areas
• Travel Medical Insurance : Provides medical care if you get sick or injured while traveling
• Annual Travel Insurance: Covers you for multiple trips taken throughout the year
• Comprehensive Package Travel Insurance: Conveniently groups many travel insurance coverages together in one policy
• Cancel for Any Reason Rider ( CFAR ): When certain conditions are met, this coverage lets you cancel your trip for any reason and receive reimbursement
• Policies that Cover Families: Comprehensive travel policies that cover all family members/domestic partners before and during your trip.

Most travel insurance policies can be purchased up until the day of your departure. However, some policies contain pre-departure benefits, so you’ll want to buy your policy as soon as possible.

For example, you may have coverage that covers you getting ill and not being able to take your trip.

The general advice is to buy your policy when you make your first payment on the trip.

Since policies can be priced according to how much your total trip costs, you can take out the insurance based on what you’ve already paid and call the company to raise the amount of the policy once you’ve made additional payments.

Hot Tip:  Travel insurance policies include a free-look period, where you can review your policy once you’ve received it and decide if it’s right for you. This free-look period is usually 10-15 days depending on the company and type of policy. 

You May Already Have Coverage — Here’s Where to Look

Before you purchase a travel insurance policy, you should check these 4 places where you may have some current coverage.

You may find that you have a credit card with travel insurance , with your employer-sponsored health plan, with club/organization memberships, and on Medicare gap policies.

It is helpful to know which types of coverage you currently have so you can select a comprehensive travel insurance policy without paying extra for duplicate coverage.

Credit cards commonly carry travel insurance benefits, but whether they’re included and the level of coverage provided will vary depending on which card you carry.

Let’s take a look at some of the most popular credit card issuers and the types of travel insurance/protection they provide.

American Express offers several travel insurance benefits on their cards.

• Car Rental Loss and Damage Insurance: Secondary coverage is included on various American Express cards . Primary Car Rental Protection is available to purchase for one low fee that covers the entire rental period.
• Travel Accident Insurance: Limits of $250,000-$500,000 depending on the card.
• Baggage Insurance: Provides coverage for lost, stolen, or damaged checked or carry on baggage. Included on various American Express cards. 
• The Global Assist Hotline: Included on various American Express cards . Premium cards such as the Platinum Card ® from American Express and Business Platinum Card ®  from American Express  include premium versions of the Global Assist Hotline that provide support before, during, and after your trip.
• Roadside Assistance: While Amex has removed roadside assistance from many of its cards, there are still several Amex cards with the coverage . Coverage includes assistance with jump starts, gas, towing, and lockout.

Chase is another major card issuer that includes various travel insurance coverages on their credit cards.

Citi credit cards have recently had several travel benefits removed,  similar to other credit card issuers. Your exact coverage benefits will depend on which Citi card you have. To learn the details of Citi’s credit card travel protections, you can access Citi’s credit card guide to benefits  here .

Hot Tip: To receive coverage from any credit card, you must meet the purchase requirements. Some credit cards require you to charge the entire purchase, while some grant coverage if you pay for just a portion of the purchase with your card. You may also be able to receive coverage by using points for your purchase.

Requirements vary, but you can call the number on the back of your credit card for questions on coverage specific to the card you’re using.

See our article for information on additional credit card travel insurance coverage .

Bottom Line: Credit cards may offer incidental travel protections and benefits, but they should not be considered a replacement for a comprehensive travel insurance policy. 

You’ll first want to check your current health insurance policy to see if it might cover you while traveling. Many do not extend health insurance benefits while traveling, but there may be ancillary travel insurance coverages included in your policy.

For example, some employer-sponsored health insurance plans contain travel insurance coverage that can be quite significant. Unum is one of the most common group insurance companies offering employers travel insurance for their employees through Assist America .

The employee is provided a 24/7 phone number that can be called for immediate assistance when traveling more than 100 miles from home.

Here is a sample of coverage provided:

• Hospital admission assistance
• Emergency medical evacuation
• Prescription replacement assistance
• Transportation for a friend or family member to join a hospitalized patient
• Care and transport of unattended minor children
• Referrals to Western-trained, English-speaking medical providers
• Legal and interpreter referrals
• Passport replacement assistance

There is no charge for any of these services when the coverage is included on an employer-sponsored healthcare plan, so you’ll want to check your current employer-sponsored health plan to see if you have this coverage.

If you’re a member of any club or organization, you’ll want to ask about travel insurance benefits.

Here are just a few clubs where membership includes various types of travel insurance benefits.

Divers Alert Network — Membership is $35/year for singles, $55/year for families

• DAN members receive $100,000 of emergency medical evacuation assistance coverage . Evacuation is covered for diving and non-diving medical emergencies when you are more than 50 miles from home.
• Membership also includes TravelAssist , a 24/7 access to prescription assistance, medical monitoring, emergency messaging, and much more.

American Alpine Club — Membership is $80 per year and includes search and rescue insurance. The insurance applies to any land-based activity.

• Up to $7,500 of Global Rescue Trailhead Rescue Services (available worldwide)
• Up to $5,000 of Domestic Rescue Benefits (available in the U.S. only)

Gold Wing Road Riders Association  ($55/year) and the American Motorcycle Association ($49/year)

• Members receive FREE emergency roadside assistance and 24/7 towing up to 35 miles per disablement for their motorcycle or any motorcycle they are riding, even as a passenger.
• Gold Wing Coverage is limited to motorcycles; American Motorcycle Association members receive coverage for motorcycles, cars, trucks, trailers and RVs.

Family Motor Coach Association — Membership costs $60/year and includes discounted worldwide travel assistance insurance plus several other travel benefits.

Hot Tip: Club memberships can include travel insurance coverage at no additional cost or at a discounted price. Checking your current memberships and seeking out organizations you can join for cost-effective coverage may result in travel insurance coverage you can use.

With rare exceptions, Medicare does not extend coverage to another country outside the United States. However, some supplement and advantage insurance plans do include coverage when traveling.

These supplemental policies, called Medigap plans, pay 80% of medical emergency care outside the U.S. after a $250 deductible. The expense must not be covered by Medicare, and it must be incurred within the first 60 days of your travel. There is also a lifetime limit of $50,000.

Medigap plans C, D, F, G, H, I, J, M, and N contain this coverage. Visit Medicare.gov for a complete explanation of the coverage and information on out-of-country coverage for Medicare Advantage plans.

Remember, these are plans that you purchase in addition to your base Medicare Plans A and B. Medicare does not cover you out of the country except in rare circumstances detailed here .

Bottom Line:  It’s important to know the travel insurance coverages you have currently, as you may save money not duplicating those coverages when purchasing a travel insurance policy. You’ll also want to be able to take advantage of and use these existing coverages if you experience a covered event. 

Where to Buy Travel Insurance

All insurance companies are rated based on their financial stability; A.M. Best is the oldest, most recognized provider of ratings in the global insurance industry. We’ll include only those companies with excellent or above ratings.

Before we discuss specific travel insurance companies, however, we’ll cover a few great travel insurance comparison sites that can help narrow your choices before selecting a specific company and travel insurance policy.

Purchasing travel insurance is a balancing act between getting the coverage you need without spending above your budget . That’s why comparison sites can ease the pain of searching hundreds of policies and dozens of companies individually.

Another benefit of using these sites is that your information is entered just once, and their search engines will quickly find the best fit for your budget and coverage requirements.

Here are 3 comparison sites to help you get started:

1. Travelinsurance.com (recommended)

• Easy-to-use online comparison tool
• Instant coverage
• Best price guarantee; this means you won’t find a lower price anywhere else for a plan that’s found on TravelInsurance.com.

2. Squaremouth

• Award-winning customer service team
• 20 travel insurance companies and 116 different policies
• Over 60,000 customer reviews

3. InsureMyTrip

• Licensed agents to help you with questions and claims
• 21 providers; both large and boutique highly-rated companies
• Glossary and articles explaining coverage and plans

Once you’ve completed a few easy comparisons, you’ll have an idea of the type of policy you want, a range of costs, and what options are available.

You’ll find most of the major travel insurance providers on these comparison sites, but not all carriers participate.

Hot Tip:  Don’t miss our dedicated article on the Best Travel Insurance Companies For All Travelers !

Let’s take a look at some specific travel insurance providers you’ll want to consider:

Included in the top 10 travel insurance companies by  Consumer Advocate , World Nomads offers a comprehensive portfolio of travel insurance products including medical/evacuation insurance, 24-hour emergency assistance, trip delay/cancellation, and coverage for a long list of adventure activities.

There are several reasons to purchase travel insurance with World Nomads.

• Backed by established, reputable, highly-rated companies such as AIG Insurance Company , Lloyds, and Nationwide Mutual Insurance Company
• Understand world travel and the associated risks
• Single-trip, multiple-trip, and annual policies are available
• Good for active travelers, as most activities/sports are covered
• Plans include standard to comprehensive coverages
• Ability to purchase or extend coverage while traveling
• Available for travelers through age 69

Sample Pricing

Click to get a quote with World Nomads >>

Hot Tip: If you participate in sports and adventure activities when traveling (even dangerous ones), World Nomad’s travel insurance is a perfect fit with over 150 travel activities covered.

The family Travel Select plan covers children 17 and under for no additional cost. This comprehensive plan includes protection for trip interruption/cancellation/delay, medical and evacuation, baggage and personal effects, and travel assistance. For more information check out our Travelex review.

If you currently have health insurance that does not cover you outside of the United States, you’ll find GeoBlue an affordable option for medical coverage while you’re traveling.

Their Trekker Choice policy covers unlimited international trips up to 70 days in length for a 12-month policy period. The cost for an annual plan for a 40-year-old was $175 for the Trekker Choice policy, but even less expensive plans are available!

Active military, their families, and post-military USAA members receive exclusive rates for travel insurance that includes these coverages. Children are included on most plans at no additional cost.

• Lost/delayed baggage
• Trip delays
• Trip interruption/cancellation
• Trip interruption/cancellation due to accident or illness
• Medical expenses
• Interruptions due to weather
• Emergency assistance and evacuation

With nearly a dozen awards so far in 2018, highly-rated Allianz is a trusted company in the travel insurance arena.

I was particularly impressed with their annual travel insurance policy offerings that are surprisingly affordable. The prices listed above are for an annual policy for travelers ages 30-80, and it covers unlimited trips of 45 days or less during the 12-month period.

It’s not just a medical policy either. In the top 2 plans above you’ll find trip cancellation/interruption, change fee coverage, collision damage waiver, and even business equipment coverage.

For coverage details and a specific quote, visit their website .

Expedia is the world’s leading travel provider, so a mention of their  Expedia ® Package Protection plan seems appropriate.

Pricing varies from $49 per person for travel within the continental U.S. to $89 per person for multiple international destinations.

The trip insurance includes trip cancellation/interruption coverage even for bad weather, mechanical failure, or strike. Medical emergencies/transportation and lost/stolen baggage coverage are also included. You can review details and additional coverages here . You may only purchase the package at the time of booking.

Before purchasing the Expedia Package Protection plan, you should price and compare a policy from one of the major providers. You may be able to find more coverage for a lower cost.

The U.S. Department of State publishes a list of travel insurance companies that provide coverage overseas; you can access it here .

Hot Tip:  Some travel insurance policies require you to be outside the United States for coverage, but others will cover you as few as 50 miles from home. Since travel insurance is widely available (and in many cases affordable), it may make sense to purchase a policy for medical and other valuable coverage even if you’re traveling domestically. 

Single/Multiple Trip Policies vs. Annual Policy: Which Is Better?

• If you take 1 major trip annually, purchasing a single trip policy is the way to go. If it’s a trip you put together yourself, utilizing one of the providers mentioned in this article to purchase an individual travel insurance policy can be a simple solution and cover your trip appropriately.
• If your trip is a packaged tour, there’s nothing wrong with selecting insurance offered by the tour provider, but arm yourself first by doing some research. You’ll want to be sure you’re not overpaying, and that you’re purchasing travel insurance coverages that take care of  your  personal concerns, not just those of the tour provider.
• If you’re taking 2 trips a year, you can purchase a separate policy for each trip. If you’re taking 3 or more trips, you should consider an annual policy.
• If you’re going on an extended trip and visiting several countries (say 3 months in length), companies such as World Nomads can issue a policy that covers your entire trip.
• Taking a year off and traveling the world or just taking frequent international trips? You may want to consider a comprehensive annual travel insurance policy that covers multiple trips.
• Pricing can vary widely, so it’s important to compare prices and select the coverage that’s most important to you.

Hot Tip: The best way to determine if a multiple-trip or annual travel policy is better is to simply price each option, compare coverage, and review any terms/conditions. You may find that insuring 2 or 3 trips could cost as much as an annual trip insurance policy. 

Travel Insurance for Special Situations

In your late 60s, your options for purchasing travel insurance start to diminish (but they don’t disappear!). There are still several travel insurance companies where you can purchase great coverage.

• Allianz and Berkshire Hathaway each allowed me to quote a policy up to age 99
• GeoBlue medical travel insurance covers through age 84
• “Silver Nomads” age 70 and above can purchase coverage with World Nomad partner TripAssure

If a person is healthy enough to travel, they’re usually able to purchase travel insurance from many providers.

Allianz Global Assistance comes highly recommended by Wheelchair Travel.org for travelers with disabilities. Their policy for a 45-year-old traveling on a 2-week trip costing $2,200 quoted between $76-$143 depending on the coverages I selected.

When you have 10 or more travelers in a group, you might consider group travel insurance as an affordable option.

For a group of 10 traveling to Mexico for a 2-week trip that cost $2,200 per person, the lowest quote according to a search on Squaremouth.com was $838, or $83.80 per person.

Coverage per person included:

• Trip cancellation ($2,200)
• Trip interruption ($2,200)
• Good medical coverage ($20,000)
• Good medical evacuation coverage ($100,000)
• Trip delay ($150/day $500 max)
• Baggage delay/personal effects ($700)

If you’re a traveling pet owner, you’ve probably considered insuring your pet during your travels .

While some travel insurance policies include coverage for pets, separate policies for medical/veterinarian care for your pet can also be purchased.

Here are a couple of options for purchasing pet insurance that cover your pet while traveling.

• PetPlan – PetPlan insurance covers your pet in the United States and Canada and costs as little $8/month for $20,000 in annual coverage.
• Travelex Travel Max  – The policy provides $1,000 in emergency medical treatment for your pet. If you are hospitalized while traveling and cannot take care of your pet, the policy will also pay to return your pet back home (up to $10,000).

Insurance is an intangible; we can’t see it or hold it in our hands. Unless you have a claim, you’re simply buying the peace of mind that comes from knowing you’re covered if things go wrong.

Travel insurance is a bit different than home or auto insurance, however — if you travel frequently, you know it’s common to experience delays, illness, lost baggage, and other travel disruptions where travel insurance could be useful.

Insurance is meant to protect you from disaster and major financial setbacks. Insuring yourself against losing money on an expensive trip or having a major medical event when traveling makes sense, especially since travel insurance is widely available and affordable.

Whether you should purchase travel insurance will depend on your risk tolerance level for what you could lose personally if things go wrong during your travels.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

Frequently Asked Questions

When you plan a trip, you have to pay upfront for expenses such as airfare, hotels, cruises, and other related travel expenses. Travel insurance pays you money if there is a covered event that disrupts your trip.

For example, if you paid for a packaged tour but you became sick and unable to travel, travel insurance could reimburse you the cost of the tour and other covered expenses.

Travel insurance can also cover unexpected expenses you incur when your trip is interrupted due to cancellations, weather delays, or illness.

You can purchases policies that cover a variety of events such as lost/stolen baggage, medical emergencies, trip cancellation, trip delays and medical evacuation.

Yes, you can. Most trips have extra associated costs even if you’re using frequent flier miles. You may incur taxes, seating upgrades, change fees, non-refundable lodging, and other associated costs.

When you insure your trip, you do not include the value of the frequent flier miles you used to purchase the trip, but any other non-refundable costs can be used to value and insure the trip.

There are several situations where you may not need travel insurance. If you are traveling domestically, purchased a cheap ticket, and have health insurance that will cover you, you probably do not need travel insurance.

Additionally, if you used frequent flier miles for your flight, points for your hotel, and are traveling domestically, you may not need travel insurance.

If you’re traveling internationally and you’ve paid for a lot of non-refundable travel expenses up front, you would want to purchase travel insurance.

This is because your health insurance may not cover you abroad, and you’d want to be protected. You also have significant funds at risk should you become ill and not be able to travel.

You can purchase travel insurance for as little as $25 for just basic coverage. The more coverage you want and the longer the length of coverage, the more it will cost.

Several factors go into determining the premium you will pay: your age, where you’re traveling, where you live, how long you’ll be traveling, which coverage you select, the amount of coverage you want, and which company you purchase the policy from.

Yes, terrorism is covered under trip interruption/cancellation on many travel insurance policies. There can be stipulations for coverage, including that the event must be declared terrorism by local government or by the U.S. Department of State.

Additionally, there may be requirements that there has been no terrorism in the area for a specific period of time (7-30 days prior, for example).  Basically, if there has been ongoing terrorism and you travel there, coverage may be excluded.

Yes, AAA sells travel insurance for trips booked through AAA. When you book a trip with their travel agency, you will be offered travel insurance to cover your trip.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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wendy zucker

September 12, 2018

Is there any travel insurance that will cover PRE-EXISTING conditions when the airline ticket is purchased from the credit card company? The ticket is non refundable from Chase’s perspective as I cannot put the points back in my account. For instance, a ticket purchased with the Chase Reserve on points is not covered by Chase for pre-existing conditions and the ticket was not covered by the extra insurance I purchased from World Wide Trip Protector through USAA because I could not show proof of purchase. The only alternative that i have found was to go back to the airline and after paying the cancellation fee I am stuck with a big credit to use within a year. Please offer a solution please.

Hi Wendy. Sorry you had to cancel your trip and lose some of its value. Unfortunately, if you use points or miles to purchase a ticket, you cannot insure that portion of your trip. You can, however, insure pre-paid, non refundable costs such as other airfare, lodging, cruises, tours or other trip related expenses. The coverage you would purchase to cover these expenses would be trip cancellation and interruption benefits. You didn’t say why your trip had to be cancelled but if it was a medical issue, this is one of the most common reasons people cancel trips and also a common coverage to purchase. By pre-existing conditions I’m not sure if you’re referring to a pre-existing medical condition that was present before you booked your trip. If so, these can also be insured against with certain conditions. You cannot go back and insure something that has already happened if that is what you are asking. You may try to file a claim with World Wide Trip Protector for the amount of the cancellation fee as you should be able to document that expense. Here is some information on insuring trips purchased with points/miles. https://www.insuremytrip.com/travel-insurance-plans-coverages/frequent-flier-miles/

Barbara Bargman

The article was very informative and complete, but you did not mention Chase Sapphire Reserve. Are the benefits the same as those offered on the Sapphire Preferred card?

Alex Miller

September 13, 2018

Hi Barbara – that card has now been added and is very similar to the Chase Sapphire Preferred with an additional benefit of roadside assistance. Thank you!

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Many companies featured on Money advertise with us. Opinions are our own, but compensation and in-depth research may determine where and how companies appear. Learn more about how we make money.

9 Best Travel Insurance Companies of November 2023

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https://money.com/best-travel-insurance/

Our team vetted 15 companies and narrowed our top picks down to nine insurers, including Seven Corners, Generali Global Assistance and World Nomads. To do so, we read the fine print on policies and compared coverage options and prices. This helped us determine which company stood out from the rest by offering services that may appeal to particular groups.

Travel Insurance Made Easy™ - Compare and buy from trusted providers in just a few minutes

• Gain access to policies from all major insurers, including COVID-19 coverage
• Save time and money by comparing on a single platform - Lowest prices guaranteed
• 24/7 Emergency Assistance Worldwide
• Over 100,000 verified customer reviews with a 97/100 rating
• Safe & secure checkout with instant confirmation of coverage
• Licensed in all 50 states and Member of the US Travel Insurance Association (UStiA)
• COVID-19 coverage is available and/or may be included as an add-on
• “Cancel For Any Reason” (CFAR) availability 
• Includes trip cancellation, baggage delay/loss, and flight delays
• Emergency medical expenses coverage are included in the coverage
• Largest selection of policies with Covid-19 coverage
• Coverage for Trip Cancellation/Interruption, Travel Delay, Medical Emergency & Evacuation and Pre-Existing Conditions
• Award-winning customer service with an A+ BBB rating
• Reviewed by 47,691 customers with an average rating of 5 stars
• Trip cancelations, delays, medical emergencies, lost baggage, unexpected crises, and more

Access to a worldwide network of prescreened hospitals 

Quick claim payments for qualifying delays

24-7 emergency assistance services

Over 190 years of experience – Travel Smarter™  with Generali Group

• Coverage for all types of trips: domestic, international, cruises, vacation rentals, and more
• Covid-19 illness coverage including lodging
• Up to $250,000 in medical coverage and $1 million in evacuation

Pre-Existing Conditions and Cancel For Any Reason Coverage Available

• 28 Covered Reasons for Trip Cancellation/Trip Interruption
• Up to $1MM for emergency medical evacuation
• Customizable standard & comprehensive coverages

Why Trust Us?

Our editors and writers evaluate insurance companies independently, ensuring our content is precise and guided by editorial integrity. Read the full methodology to learn more.

• Based on 15+ data points
• Reviewed 13 insurers
• 1,000+ hours of research

In these unpredictable times, travel insurance is an essential investment for any traveler. Whether you’re going on a trip you’ve planned for years or an impromptu adventure to one of the Best Places to Travel in 2023, travel insurance gives you peace of mind.

Here are the nine best travel insurance companies of 2023 so you can protect yourself, your finances and your belongings while abroad.

Why trust Money on travel insurance?

We started off with 15 companies and narrowed our top picks down to nine. To pick the nine best travel companies, we visited each company’s websites and read the fine print on plans, coverage and prices.

We also researched the Better Business Bureau and other consumer review sites to learn more about the company's customer service. Then, we compared all companies to determine which stood out from the rest and which offered specific services that may be valuable to readers.

Our Top Picks for the Best Travel Insurance

• Seven Corners – Best for Large Groups
• Generali Global Assistance – Best for Emergency Support Services
• World Nomads – Best for Adventure Sports Coverage
• Nationwide – Best Cruise Travel Insurance
• Travelex – Best for Families with Children
• Allianz Travel – Best for Business Travel
• AIG Travel Guard – Best for Add-Ons
• HTH Travel Insurance – Best for Long-Term International Travel Insurance
• TravelInsurance.com – Best for Comparing Travel Insurance Quotes

Best Travel Insurance Reviews

Best for large groups: seven corners travel insurance.

• Coverage from five up to 364 days
• Allows coverage extensions
• Website includes sample scenarios to illustrate how the coverage works
• Hazardous activities not included in coverage (add-on only)
• Different plan options for WA, NY, PA, and MO residents

Why we chose it : We chose Seven Corners as the best travel insurance for large groups because it insures parties of 10 or more travelers through comprehensive policies that cover medical expenses and evacuations.

Seven Corners’ simple and budget-friendly Trip Protection Choice plan covers trip cancellation, interruption or delays for specific reasons, including COVID-19 for groups of 10 or more. Its emergency medical protection goes up to $500,000 and offers up to $1,000,000 for medical evacuation and repatriation of remains.

In addition to its group trip plans, Seven Corners has three travel medical plan tiers with comprehensive medical coverage for emergency room visits, hospital room and board, and onset of pre-existing medical conditions, among others.

These plans include 24/7 multilingual customer service to help with emergency travel arrangements, medical evacuations and with locating the nearest embassy or consulate.

Read Seven Corners Travel Insurance Review

Best for Emergency Support Services: Generali Global Assistance

• Offers 24-hour emergency assistance services
• Up to $1K upfront payment for acute medical treatment
• Car rental damage add-on available
• Pre-existing condition coverage only available in the Premium plan
• High premium costs
• "Cancel for any reason" only available for Premium plan

Why we chose it : Generali Global Assistance is our choice for the best travel insurance for emergency support services because its policies include telemedicine, concierge services and identity theft resolution assistance.

All of Generali’s policies include 24-Hour Travel Support, which can provide immediate assistance for problems that might arise during a trip:

• Medical emergencies
• Identity theft resolution
• Emergency cash transfer
• Replacing lost or stolen medication
• Locating lost or stolen items

Travelers can choose between three plans — Standard, Preferred and Premium — that cover trip cancellation, trip interruption, travel delay, and baggage damage, loss or theft. Each plan also covers medical and dental emergencies up to specific payout limits:

• Standard: up to $50,000 per person
• Preferred: up to $150,000 per person
• Premium: up to $250,000 per person

Both its Preferred and Premium plan include trip cancellation or trip interruption coverage in the event that a travel supplier — say, a cruise company, hotel or rental car company — becomes financially insolvent and can no longer offer its services.

Another highlight of Generali Insurance is its online claims process, which lets you file a claim and monitor its status while it’s being resolved.

Read Generali Global Assistance Travel Insurance Review

Best for Adventure Sports Coverage: World Nomads

• Emergency medical $100,000 (accident and sickness)
• Buy more while traveling
• 24/7 emergency support (Generali Global Assistance)
• Does not cover pre-existing conditions
• No CFAR option offered
• Trip Cancellation/Interruption coverage low compared to other providers ($2.5K-$10K)

Why we chose it : World Nomads is our top pick as the best travel insurance for adventure sports coverage because, unlike most travel insurance companies, its policies include coverage for over 150+ sport and adventure activities.

While most travel insurance companies shy away from covering adventure sports and other off-the-beaten-path activities, WorldNomads offers policies specifically tailored to more adventurous travelers.

Its Standard and Explorer plans cover scuba diving, skiing, surfing and 150+ other sports and activities. Both plans include $100,000 in coverage for accidents and illnesses and 24/7 emergency support to help you find local physicians or medical facilities.

• Standard: Covers accidents and illnesses, emergency evacuation, trip cancellation, trip interruption, trip delay, accidental death and baggage loss or theft.
• Explorer: Increases the coverage limits of each benefit and adds $35K in rental car damage coverage.

Most travel insurance companies don't let you purchase coverage or extend it during the trip, but World Nomads offers a rare alternative. Its "Buy While Traveling" policy offers insurance to those who didn't buy a policy before their trip and allows travelers to extend their insurance coverage if they wish to keep exploring.

Read World Nomads Travel Insurance Review

Best Cruise Travel Insurance: Nationwide

• Offers a pre-existing condition waiver
• 24 hour assistance
• Multi trip plans
• Must wait 12 hours before bag delay coverage
• Cancel for any reason is only available in premium plan
• Few options for additional coverage.

Why we chose it : We picked Nationwide as the best travel insurance for cruises because it offers travel insurance plans specifically geared towards cruise travel.

Nationwide has three cruise insurance tiers (Universal, Choice and Luxury) that fit any budget and insurance needs.

Its emergency medical coverage starts at $75,000 and all three include “cancel for work reasons” coverage, $500 for return-home-early benefit, $200 for shipboard service disruption, and $25,000 for non-medical evacuations.

Among the covered reasons for cancellation and interruption are inclement weather, extension of school schedule and work-related emergency issues.

Nationwide also has two single trip plans: Essential and Prime. In addition to industry-standard trip protection basics, these plans offer above-average medical coverage starting at $75,000 and a “cancel for any reason” add-on that reimburses 75% of non-refundable trip costs.

Travelers can add a pre-existing conditions waiver and coverage in the case of a travel supplier’s financial default (as an upgrade to Essential and included in Prime).

Read Nationwide Travel Insurance Review

Best for Families with Children: Travelex

• Flight insurance plans available
• Pre-existing conditions waiver
• Several upgrades available
• Upgrades not available for the Basic plan
• Customer service has limited operating hours

Why we chose it : Travelex is our choice as the best travel insurance for families with children because it offers two plans that cover kids under 17 at no additional cost.

Travelex Insurance Service features two main plans for international trips, Travel Basic and Travel Select — plus a Travel America plan for trips in the USA. Both the Travel Select and Travel America include children 17 and under in its pricing.

The Travel Basic is an affordable plan perfect for students, backpackers, small groups or those on a budget. These plans cover trip cancellation and interruption at 100% of trip cost and offer up to $2,000 for trip delays or missed connections.

Travel Select allows travelers to customize their plans with upgrades such as additional medical benefits, a “cancel for any reason” option, car rental collision insurance and adventure sports coverage. Travelex also offers a pre-existing condition waiver when you buy the Travel Select plan within 15 days of the first trip payment.

Read Travelex Insurance Services Review

Best for Business Travel: Allianz Travel

• Epidemic coverage endorsement
• Allianz TravelSmart App
• Annual plan geared to business travelers
• 24-hour multilingual assistance hotline
• Low medical coverage
• No "cancel for any reason" benefit

Why we chose it : Allianz Travel is our choice for the best travel insurance for business trips because its comprehensive annual plan is ideal for frequent flyers, whether they be traveling for business or pleasure. It also covers business equipment against theft, loss, damage and delay.

Allianz Travel Insurance sells 10 distinct plans offering a wide range of options from basic cancellation benefits to a multi-trip protection. These plans include a 24-hour multilingual assistance hotline and the TravelSmart App which gives quick access to travel advisories, local medical facilities, mobile claims filing and much more.

For frequent travelers, Allianz’s AllTrips Executive plan is designed to make business trips a whole lot easier. This plan covers:

• Trip cancellation
• Trip interruption
• Emergency medical and transportation
• Rental car damage and theft
• Business equipment coverage (for lost, stolen, damaged or delayed equipment)

Another one of Allianz’ highlights is its lack of age restrictions (most other insurers limit coverage by age). Additionally, some of its plans cover kids 17 and under traveling with a parent or grandparent.

Read Allianz Travel Insurance Review

Best for Add-Ons: AIG Travel Guard

• Lodging expense benefit
• Trip saver and exchange specialized coverage included
• A child 17 and under is covered per insured
• Covers trips to Cuba if the traveler provides additional documentation
• High cost of premiums
• Most add-ons are not available for the basic plan

Why we chose it : We chose AIG Travel Guard as the best travel insurance for add-ons because it offers travelers a wide variety of coverage options with which to customize their plan.

AIG Travel Guard has over 30 years of experience providing travel insurance to millions of travelers. These customers have had access to unique services such as MedEvac and Bag Trak®.

AIG Travel Guard’s most popular plan, the Preferred offers:

• Up to $500,000 for emergency evacuation and repatriation of remains
• Trip cancellation and interruption
• Reimbursement of up to 50% of your trip cost if you were to change your trip dates

Travelers can also add unique options such as a pet bundle, a wedding bundle (for canceled weddings) and an inconvenience bundle in the event any attractions you absolutely had to see are closed.

Another of AIG's specialized benefits is lodging expense coverage. This benefit is for travelers who test positive to COVID-19 and are required to remain abroad until they present a negative test result.

For those last-minute trips, AIG travel guard has the Pack N’ GO Plan that includes post-departure coverage and an exclusive 24-hour emergency travel assistance service.

Read AIG Travel Insurance Review

Best for Long-Term International Travel Insurance: HTH Travel Insurance

• Travel medical insurance for groups of 5 or more
• International expatriate comprehensive coverage
• App mPassport to find doctors, pharmacies, and translations of drug names
• Pet medical expenses coverage
• 12-hour wait for bag delay coverage (24 hours under the economy plan)
• "Cancel for any reason" option only offered in the Preferred plan
• Participants must be enrolled in a primary health insurance plan to be eligible for the multi-trip plan

Why we chose it : HTH Travel Insurance stands out as the best travel insurance for long-term international travel because it offers specialty coverage for expats and students.

HTH Travel Insurance's Xplorer Plan offers comprehensive medical insurance for individuals and families traveling outside their home country for at least three months out of the year. This plan features:

• No deductible for office visits
• No waiting periods for preventive care services
• No pre-existing condition waiting period, provided the insured has proof of prior creditable coverage

HTH Travel Insurance also offers international health insurance for students with flexible trip duration options. This plan has an unlimited annual and lifetime medical care maximum, and includes contraceptive services, supplies and prescriptions. In addition to unlimited telemedicine services, the plan covers medically necessary COVID-19 testing and treatment.

Other global health and safety services available through HTH Travel Insurance include 24/7 call assistance, access to elite international doctors and hospitals, and translated medical terms.

Read HTH Worldwide Travel Insurance Review

Best for Comparing Travel Insurance Quotes: TravelInsurance.com

• Shows results from the top-rated insurers
• Offers helpful tips and articles
• Site only shows all add-ons available at checkout
• You may prefer a company that isn't on the marketplace

Why we chose it : We picked TravelInsurance.com as the best travel insurance for comparing quotes because it allows users to quickly and easily view plan details and prices from some of the top travel insurance providers in the industry.

TravelInsurance.com is a marketplace that simplifies the process of choosing an insurance provider by connecting users with top-rated carriers and breaking down coverage options in an easy-to-understand way.

This marketplace makes it simple for travelers to enter their trip information and receive quotes tailored to the trip cost, duration, and age of travelers. The results page presents the basic information on the coverage, reviews, ratings and a link to the COVID-19 policy FAQs of each provider.

TravelInsurance.com also allows users to compare the policies in a streamlined table.

Read TravelInsurance.com Review

Compare Travel Insurance Quotes

Quote, compare and buy in a few minutes, 100% digital travel insurance, worldwide network of prescreened hospitals, over 190 years of experience.

• “Cancel For Any Reason” (CFAR) availability

Other travel insurance companies we considered

Trawick international.

• Cancel for any reason reimbursement of up to 75% of trip cost
• Student insurance and study-abroad plans
• Vacation home rental protection
• Can't compare plans and quotes in one page
• Cancel for any reason only available in premium plan

Trawick International's four student insurance plan tiers are geared towards the type of travel that involves living abroad temporarily for education or research.

These plans have medical coverage starting at $150,000 in the basic plan and up to an unlimited maximum in the Collegiate Care Exclusive plan. The medical benefits are for both in and out of network providers.

Why it didn’t make the cut: Although these plans provide great coverage at different price points, they’re for international students coming to the USA. Green card holders (U.S. residents) and U.S. Citizens are not eligible.

AXA Travel Insurance

• Coverage for lost ski and golf days
• CFAR in the Platinum plan offers 75% reimbursement
• 24/7 multilingual-assistance hotline
• No specialty plans offered
• CFAR only available for Platinum plan
• No coverage for injuries from sports such as rock climbing, bungee jumping and skydiving.

AXA Travel Insurance offers three comprehensive plans for leisure travelers. The Silver plan is the most affordable; however, they tout the Gold plan as the most popular and ideal for domestic vacations and cruises.

AXA’s third option, Platinum, is ideal for travelers who want comprehensive premium coverage.

Why it didn’t make the cut: A significant drawback of AXA travel insurance is that they have very few options for add-on benefits.

Read our AXA Travel Insurance Review to learn more.

Berkshire Hathaway

• A.M. Best A++ rating
• AirCare flight protection plan
• Missed Connection
• Low coverage limits for medical expenses
• Basic plan does not include missed connection or Accidental Death and Dismemberment coverage

Berkshire Hathaway’s Aircare plan can be a standalone plan or an add-on that covers flight delay, interruption or cancellation.

This plan is unique in the industry because it monitors your flights and processes reimbursements automatically, so you don’t even need to file a claim.

Why it didn’t make the cut : While this plan's travel monitoring feature is unique, it didn’t make our list of the best providers because its medical expense maximums are lower than those of competitors.

Read our Berkshire Hathaway Travel Insurance Review to learn more.

• Emergency medical evacuation up to $1,000,000
• $2,500 reimbursement for missed connections
• Extended personal property reimbursement coverage available
• Limited bag delay coverage even with the premium plan ($250 max)
• No Accidental Death and Dismemberment coverage in the Basic plan

TravelSafe offers two tiers of basic trip insurance coverage for cancellations, emergency medical, lost luggage and personal effects. While some of this coverage is not as comprehensive as its competitors, TravelSafe stands out for its GolfSafe plan.

That coverage includes $2,500 for missed connections and $750 for a travel delay of six hours or more. It even offers reimbursement up to $500 for lost golf rounds if a traveler is unable to play at least nine out of 18 holes due to inclement weather.

Why it didn’t make the cut : TravelSafe didn’t make our list of the best providers because its list of medical benefits is more limited than many competitors’.

Read our TravelSafe Insurance Review to learn more.

• Some policies cover financial default and employment layoff
• Offers "cancel for medical and work reasons" option
• Sports activities and equipment coverage
• No coverage for rental car damage
• Limited customer service hours
• Limited baggage and personal effects coverage, even with the premium plan

Tin Leg travel insurance offers a wide selection of policies ranging from standard and economy to luxury coverage. All plans cover up to 100% of trip costs in case of cancellation, even for medical reasons including testing positive for the COVID-19 virus.

Where the different plan tiers differ is in their emergency medical and evacuation coverage, so you have to make sure the plan you select includes the coverage you feel comfortable with.

Why it didn’t make the cut: A drawback of TinLeg is that it offers very few options for add-on benefits. Read our Tin Leg Travel Insurance Review to learn more.

Read our Tin Leg Travel Insurance Review to learn more.

Travel Insurance Guide

This guide covers what travel insurance is, how it works and how to choose the best type of travel insurance coverage for your trip.

What is travel insurance?

What does travel insurance cover, what is not covered by travel insurance, how to buy travel insurance, how to choose the right travel insurance policy, how much does travel insurance cost, how much travel insurance do i need, does my credit card have travel protection, are there location restrictions when it comes to travel insurance, travel insurance companies that cover covid-19.

Travel insurance , also known as trip insurance or trip protection, reimburses you if you need to cancel your trip or interrupt it early. It can also pay for lost or stolen baggage and medical expenses if you get sick or have an accident during the trip.

International travel insurance is the most sought-after type of policy, but providers also sell domestic coverage and business travel insurance for those who need it. Frequent flyers or students enrolled in study abroad programs can also buy long-term travel insurance in the form of annual or multi-trip plans.

Comprehensive travel insurance can be worth it , especially if you're traveling internationally and have paid upfront for non-refundable expenses. The same goes for prepaid cruises or vacations for which you've booked non-refundable tours, activities or day trips. Buying travel insurance can also be a good idea if you're traveling to a destination that has seasonal weather issues, such as hurricanes and typhoons.

What is cancel for any reason (CFAR) travel insurance?

“Cancel for any reason (CFAR)” coverage is a policy upgrade that provides a partial refund (typically 50% to 75% of prepaid, non-refundable expenses) if you have to cancel your trip — regardless of what caused your change of heart. In fact, one of the covered reasons is “fear of travel,” which is excluded under a basic travel insurance policy.

Knowing when to buy travel insurance is key if you want this type of coverage. This policy must be purchased within 14 to 21 days of the first trip booking and may increase your trip insurance bill by about 50% upon purchase.

Among the companies that offer CFAR trip insurance are AIG Travel Guard , Faye Travel Insurance , IMG travel insurance, C&F Travel Insured, Generali Global Assistance , Arch RoamRight, Seven Corners Travel , TravelSafe , Trawick International , USI Travel Affinity Insurance Services, John Hancock , HTH Worldwide Travel Insurance and Berkshire Hathaway .

What is trip interruption insurance?

Trip interruption coverage will pay if you need to cut your trip short and go home early for specific reasons. The insurance company will reimburse you for the unused portion of the trip and help you with additional expenses you incur to get home.

These expenses will only be covered, however, if you cancel due to one of the reasons covered by the policy. Examples of covered reasons are the serious illness or death of the policyholder, another traveler covered by the policy or a close relative. A natural disaster at your destination would typically be covered as well.

Travel insurance generally covers a host of common travel issues and mishaps, from accidents to baggage delay.

The following are common trip insurance options and add-ons. Just keep in mind that providers offer different levels of coverage and optional benefits and may even have different names for some of them.

• Trip cancellation insurance: Refunds up to 100% of prepaid, non-refundable travel costs if you cancel an upcoming trip for eligible reasons.
• Trip interruption: Reimburses you for the unused portion of the trip as well as expenses you may incur to get back home. Insurers typically cap reimbursement at 150% of the cost of the interrupted trip.
• Travel delays: Reimburses you if you must incur extra expenses such as meals or lodgings during a delay. Insurers may also cover airport delays and any flight change fees necessary to catch up on your travel plans.
• Emergency medical expenses: Travel medical insurance reimburses you for medical expenses incurred during your trip, under certain circumstances. Benefits for medical expenses can range from $15,000 to $50,000. Coverage may apply even if you're pregnant while traveling.
• Emergency medical evacuation: Reimburses you if you need to be evacuated to the nearest medical facility or to a facility in your country of origin. Maximum benefits usually range between $100,000 to $500,000, but can be as high as $1 million.
• Baggage and personal effects: Refunds the cost of replacement items if your luggage is lost or delayed during your trip. You must typically wait between to to six hours for your baggage before you can file a claim. Insurers typically require purchase receipts or a list of items in the luggage, and coverage may be subject to a deductible.
• Worldwide assistance: Most providers offer 24/7 customer service should you need assistance while traveling. This includes 24/7 multilingual medical hotlines that can provide medical advice and refer you to local healthcare services, if necessary.

Popular travel insurance add-ons

If your coverage needs go beyond what a basic travel insurance policy provides, there are a variety of add-ons or riders that allow you to increase benefit limits and cover activities that may be excluded from standard policies.

Common add-ons include:

• Cancel for any reason coverage: This coverage allows you to cancel your travel plans for any reason (you must cancel with the supplier at least 2-3 days before your trip), and get reimbursed for a percentage of your pre-paid travel costs.
• Pre-existing medical condition waiver : To qualify for this waiver, travelers must purchase coverage within a certain number of days after making their initial trip deposit. The company may also evaluate the travelers' medical records to ensure their condition hasn’t changed or worsened in the last 60 to 180 days.
• Rental car insurance : This optional policy covers theft of or damages to a rental car due to causes beyond your control (think collisions, vandalism and weather events). Coverage limits vary by state, and the coverage itself may not be available in every international location. You must also verify whether the rental car company accepts this coverage.
• Adventure sports coverage: This rider covers injuries or losses caused by participating in adventure sports such as skydiving or bungee jumping. Claims that arise from these activities are typically excluded from standard policies. An exception is World Nomads, the best travel insurance for adventure sports .
• Identity theft protection: This optional coverage assists you in notifying creditors, canceling your cards, and getting a replacement for your lost passport, credit card or other important documents.

The most common travel insurance exclusions are:

• Pre-existing medical conditions
• Injuries caused by extreme sports
• Theft/loss of personal items such as electronic devices and jewelry
• Pregnancy-related conditions
• Injuries that happen while you’re intoxicated with drugs or alcohol, even if the intoxicating substance is legal to use at the destination
• Missed flights, where the traveler is at fault

Travel insurance only pays out if you cancel your trip for approved reasons, such as a serious illness or the death of a family member. You'll have to add CFAR coverage to your policy if you want the flexibility to cancel for any other reason.

Finally, keep in mind that trip insurance companies may change their coverage at any time. When the coronavirus pandemic began in 2020, many companies temporarily excluded COVID-19 infections from coverage, and might do so again in the future.

What is a pre-existing condition for travel insurance?

Pre-existing conditions are illnesses or injuries diagnosed by a medical professional before you purchased travel insurance.

Travel insurance providers may define pre-existing conditions differently, so ask your insurer about this, even if you qualify for a pre-existing condition waiver . Misunderstanding the terms and conditions of your policy could lead to your claim being denied.

The cost of travel insurance can range from 4% to 12% of the total cost of your trip. Your travel insurance policy's final price will depend on your age and travel destination as well as the types of coverage and policy limits you select.

We used the online marketplace Travelinsurance.com to get quotes for a family of four (two adults and two children under 17) taking a trip from New York City to London. Let's say that the family spent $2,200 on four tickets. The cost of insuring all four travelers would range from $90 to a little over $300.

To give you a better idea of the potential cost of trip insurance, we calculated what would be 6% (between 4% and 12%) for trips of varying costs.

6% of trip cost (estimated cost of insurance)

You can buy travel insurance after booking a flight . However, it's advisable not to delay obtaining a policy. The longer you wait between booking your trip and purchasing insurance, the greater the chance you'll miss out on valuable benefits like coverage for pre-existing conditions and CFAR upgrades.

Read our tips below so you're ready to purchase a policy as soon as you book your flight.

Define your travel insurance needs

Identify just how much protection you need to ensure you're not paying for something you already have. For example, some credit cards offer travel protection, including baggage loss and rental car coverage, but don't offer medical travel insurance.

If you're traveling with more people, look for family travel insurance plans or a company such as Seven Corners, which offers the best travel insurance for large groups . Students enrolled in study abroad programs might benefit from a policy like Trawick International Insurance for students .

The first step is to identify the best type of policy for your situation. Most travelers opt for short-term coverage, but this isn't the only option. People that travel frequently for work may need business travel insurance , while travelers that booked a vacation cruise may be best served by a specialized policy, such as Nationwide's cruise insurance plans .

Next, verify whether the policy covers travel to your chosen destination, if emergency assistance services are available 24/7 and what kind of assistance you can expect should your belongings be stolen. Finally, evaluate the scope of the policy's coverage and check which travel insurance add-ons are available.

Review the policy limits

Each travel insurance coverage has a specific payout limit, which may or may not be enough for your particular situation. For example, individuals traveling with expensive personal belongings such as cameras or jewelry may want a higher payout limit for lost or stolen luggage.

Check the policy's fine print

Check the policy's fine print before purchasing your policy to ensure that it covers the activities you have planned for your trip, especially if there are recreational sports involved.

Travelers with pre-existing medical conditions should confirm whether those are covered under their policy. If not, they may need supplemental coverage or a different provider.

Compare travel insurance quotes

We recommend you compare travel insurance plans before making a purchase. If you're traveling on a tight budget, you can still find cheap travel insurance that will cover the essentials such as medical expenses and personal effects.

You can get online quotes from most travel insurance companies and through marketplaces such as InsureMyTrip.com or SquareMouth Travel Insurance .

Read customer reviews

When it comes to insurance, online customer reviews can be tricky. Customers who never file a claim will likely have a different experience than those who do. And even when you've gone through the claim process, your experience may vary depending on the type of claim you file.

In spite of these challenges, word of mouth is still a valuable resource. Ask friends and family for recommendations and look for customer reviews that describe their experience with claims payouts, emergency travel assistance and medical coverage.

Most travel insurance companies offer multiple plans suited for a variety of needs. The most basic plans include only trip cancellation coverage but no post-departure benefits. Premium plans include pre- and post-departure benefits.

Before buying travel insurance , take stock of what losses — if any — you would incur if unforeseen events forced you to cancel the trip in advance of departure. (Check, for example, whether your airline has reinstated cancellation fees as these had been widely suspended for trips booked during the pandemic.)

Then, consider the risk of becoming injured during the trip. That likelihood may well depend on where you're going and what you will be doing. You'll want to purchase additional coverage if you're taking part in adventure sports, as they're usually excluded from most trip insurance policies.

Many credit cards offer travel protection if you use the card to pay for flights, lodging and other travel expenses.

That being said, we recommend you review the terms and conditions of your credit card travel protection plan before relying solely on its coverage. If you compare credit card travel insurance with travel insurance , you'll see that most credit cards lack crucial benefits such as medical expenses and emergency evacuation coverage.

Read our guide to the best travel credit cards for more information on how your credit card can help you travel smarter.

Travel insurance might not cover your visits to certain locations. In fact, most U.S. insurance providers will not cover locations that are currently under a State Department travel advisory or where there is political unrest. Among the countries usually excluded by providers are Russia, Ukraine, Belarus, Iran, Syria, North Korea, Myanmar and Cuba.

While travel insurance providers generally exclude pandemics (influenza, ebola, zika, etc.), coronavirus coverage is now included in most policies. In fact, all of the insurers on our list offer COVID-19 coverage.

A claim related to COVID-19 can fall under medical benefits (you get really sick and need medical attention abroad) or under trip protection (where providers accept COVID-19 infection as a valid reason for cancellation and reimbursement) or both.

Make sure to ask the insurance company what you need to do if you get COVID-19. For instance, carriers generally accept results from an FDA-approved home test but only if the sampling is supervised (usually via telemedicine) by a medical professional.

Does insurance cover COVID-19 testing?

Travel insurance doesn't cover the cost of COVID-19 testing unless the test is directed by a physician. However, some medical insurance plans cover the cost of testing, so check if yours does. Alternatively, low or no-cost COVID testing may be available at a health center near you.

Latest News on Travel Insurance

• Summer travel season is coming to an end but that doesn't mean that traveling opportunities are dwindling. Check out the best places to travel in fall and best places to travel in winter for your next trip.
• Our Italy travel guide is a great starting point to plan your next vacation to this Mediterranean peninsula. And if you want to escape the coming winter, a trip to Australia might be the ideal vacation spot. Learn all there is to see in this vast continent in our Australia travel guide .

Travel Insurance FAQs

Which travel insurance is best, how much is travel insurance.

The cost of travel insurance varies, but the average premium is between 4% and 12% of the cost of your trip. According to travel insurance data from AdvisorSmith, the average American spends $95 on travel insurance for a one-week overseas trip.

Many travel insurers offer group travel plans that provide a better value if you're traveling with a large party. And if you're a frequent traveler, purchasing an annual travel insurance plan could save you time and money.

Can I cancel a flight and get a refund?

You can cancel a flight and get a full refund if you cancel within 24 hours of purchasing the tickets, according to the Department of Transportation. (This applies to airline tickets purchased at least seven days before departure.)

Once 24 hours have passed, all airlines allow you to cancel a flight and many offer a refund, credit or voucher. What you get will depend on the airline's policies and what type of flight you purchased.

To ensure you obtain a refund for your flight you should buy travel insurance that includes a cancel for any reason rider.

Do I need travel insurance?

Travel insurance is optional, but it offers valuable benefits. It serves as a financial safety net, providing coverage for unforeseen events before or during your trip. It covers medical expenses and/or reservation costs if you get sick or need to cancel or interrupt your trip.

Having said that, this coverage isn't necessary if you can already get reimbursed for a canceled trip. This can happen, for example, if you reserved your trip with a credit card that offers travel insurance as a perk.

How does travel insurance work?

Travel insurance reimburses you for expenses or losses incurred before or during your trip, provided they are covered under your policy. Travel insurance is more commonly associated with medical emergencies, but it also covers prepaid expenses like airfare, accommodations, tours and more.

If you suffer a covered loss, you'll need to file a claim and provide evidence of the loss. The insurance provider will then analyze your claim and reimburse you if it's covered under the policy. If the claim is denied, you can always appeal the decision.

How We Chose the Best Travel Insurance Companies

We used the following factors to evaluate and compare each company:

• Plans and coverage: We looked for insurers with a variety of plans and the ability to customize the policy with upgrades. We gave special consideration to companies offering unique add-ons, such as extreme sports coverage and coverage for lost gear or equipment.
• Ease of use: We considered how easily you could get a quote and understand the policy information. Most of these companies either offer just a few plans to keep things simple or provide a comparison page where you can quickly spot the differences in each plan.
• Customer service and support: Factors like a 24/7 hotline and an established network of global resources to help in case of an emergency are some of the elements that indicate a company is well-prepared to respond to customer needs. We gave extra points to companies with mobile apps, multiple ways of accessing customer support and added perks like concierge and translation services.
• Reputation : To gauge each company’s reputation, we evaluated factors like customer feedback and ratings, years in business and financial stability as shown by AM Best financial strength rating.

Summary of Money's Best Travel Insurance of November 2023

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We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

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Should You Buy Travel Insurance for Holiday Travel?

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 .

Holiday travel can be taxing even without the added stress of disruptions such as cancellations, flight delays or lost bags.

Last winter, Southwest Airlines' holiday travel meltdown left millions of travelers stranded and angry. Travelers were still filing for compensation for ruined trips weeks later. Consumer complaints against U.S. airlines to the Department of Transportation in February 2023 increased sixfold compared with February 2019, forcing the agency to temporarily stop reporting more data as it processes complaints.

Despite the chaos, holiday travel shows no signs of slowing down this year. About 50% of Americans plan to pay for flights or hotel stays this holiday season, according to a NerdWallet survey conducted by The Harris Poll in September among over 2,000 U.S. adults. They will be referred to as “2023 holiday travelers” going forward.

More than a third of 2023 holiday travelers (35%) say they will keep their usual holiday travel plans this year, regardless of expense. And given the rising cost of gas , a quarter (25%) of those traveling say they’re flying rather than driving.

If you're determined to get your dose of festive cheer, you may wonder if it's worth paying extra for travel insurance this year. The survey found that 21% of 2023 holiday travelers plan on buying or have already bought travel insurance for their holiday trips, up from 16% last year.

Is flying truly worse?

The post-pandemic travel surge is real. But has the flying experience honestly gotten worse? Let's take a look at the numbers.

The Department of Transportation releases reports on the performance of the 10 largest airlines and their marketing carriers. An analysis of data through June 2023 (which, it should be noted, doesn't capture the complete picture of summer travel) by the U.S. PIRG Education Fund found:

The number of airline passengers for the first half of 2023 increased by 11%, to 419.2 million, compared with 2022. That's almost back to 2019 pre-pandemic levels (419.7 million). 

On-time performance for flights in June fell to 71.3%, worse than a year ago. The on-time rate for the first half of 2023, at 76.5%, was slightly better than in 2022, but worse than in 2019.

Flights are fuller this year than they were before the pandemic. More than 419 million passengers traveled in both the first half of 2023 and the first half of 2019. There were, however, fewer flights operated in 2023 — nearly 3.5 million compared with nearly 3.9 million in 2019 — meaning the same number of travelers had fewer flight options.

The flight cancellation rate in June fell to 2.1%, better than a year ago. The cancellation rate for the first half of 2023, at 1.6%, was half of what it was in 2022 and better than in 2019. 

So, while travel returns to pre-pandemic levels, travelers have fewer flight options. Given those gloomy statistics, travel insurance is at least worth considering this year.

Insurance aside, one way to lower the risk of disrupted travel is by adjusting when or how you fly. Nearly 2 in 5 2023 holiday travelers (35%) in the NerdWallet survey plan to avoid busy travel days by extending the duration of their holiday trips.

» Learn more: The busiest days to fly during the winter holidays

What type of travel insurance should you get?

The type of insurance you should buy depends on a few factors, including:

Whether your trip is nonrefundable.

Where you're going.

If your credit card has built-in protection.

What your health coverage is at the destination.

Let's assume you're traveling domestically and already have health insurance coverage. Depending on your age and health, you may not have to pay extra for medical coverage. Note that only some travel insurance policies cover pre-existing conditions .

Some travel credit cards offer basic trip cancellation or interruption, baggage delay coverage and rental car coverage up to a certain dollar amount. If you think the options your credit card provides are good enough, you won’t need additional coverage.

If you don't have a credit card with built-in protection or the limits aren't high enough for you, look into buying a stand-alone travel insurance policy.

You can opt for the trip insurance your airline offers, buy it directly from an insurance provider or get it via an online travel agency such as Expedia . You can also compare quotes from travel insurance marketplaces you can find online. The cost of your policy will depend on the details of your trip.

Flying home for the holidays may not get any better this year, but having travel insurance could give you some comfort during your trip.

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 2023 , 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-5x Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.

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 toward travel when you redeem through Chase Ultimate Rewards®.

1.5%-5% Enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases.

Matched Cash Back Unlimited Matched Cash Back. Chase will automatically match all the cash back you earned at the end of your first year! There is no limit to how much cash back you can earn.

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

Ubezpieczenie turystyczne - dlaczego warto je kupić przed podróżą?

Decyzja o zakupie  ubezpieczenia turystycznego zagwarantuje Ci dodatkową ochronę podczas podróży – zarówno tych zagranicznych, jak i krajowych. Polisy turystyczne pokrywają zazwyczaj koszty leczenia oraz zapewniają komfortowy wypoczynek bez zmartwień o nieprzewidziane podczas urlopu sytuacje. Ubezpieczenie na wakacje można rozszerzyć o dodatkowe elementy, z czego najczęściej korzystają przede wszystkim osoby uprawiające sporty ekstremalne i zimowe. Więcej o ubezpieczeniach turytycznych przeczytasz tutaj .

Ubezpieczenie podróżne a wizyta w szpitalu

Nieprzewidziane wydatki w czasie twoich wakacji nie będą już problemem, jeżeli będziesz miał wykupione ubezpieczenie turystyczne zagraniczne . Ubezpieczenie turystyczne pokryje koszty związane z wizytą u lekarza w obcym kraju, pobytem w szpitalu, operacją, rehabilitacją oraz powrotem do Polski po leczeniu.

Czy ubezpieczenie na czas podróży obejmuje też bagaż?

Kwestie zdrowotne nie są jedynym powodem, aby zdecydować się na ubezpieczenie na czas podróży . Najlepsze ubezpieczenie podróżne może również objąć ochroną zagubiony bagaż lub opóźniony bądź odwołany lot.

Czy ubezpieczenie turystyczne jest drogie?

Wykup nawet najtańszego ubezpieczenia podróżnego , na które wydamy już od kilku zł dziennie za osobę, będzie niewielkim obciążeniem dla domowego budżetu, a zdecydowanie pomoże Ci w pełni cieszyć się wszystkimi urokami wakacji.

Najlepsze ubezpieczenie turystyczne – porównywarka znajdzie je dla Ciebie

Podstawowym kryterium, kiedy wykonujemy porównanie ubezpieczeń turystycznych jest zwrot kosztów leczenia, ponieważ to właśnie one generują najwięcej nieprzewidzianych kosztów. Złamana noga, ból gardła czy bolący ząb to główne problemy zdarzające się w podróży, za które bez ubezpieczenia płacimy z własnej kieszeni.

Nawet najtańsze ubezpieczenie turystyczne daje więcej niż karta EKUZ

Karta EKUZ, czyli Europejska Karta Ubezpieczenia Zdrowotnego jest częstym wyborem podróżujących, jednak posiada pewne ograniczenia. Przede wszystkim działa tylko na terenie Unii Europejskiej i państw należących do EFTY (Europejskie Stowarzyszenie Wolnego Handlu). EKUZ nie jest zastępnikiem ubezpieczenia turystycznego ponieważ zapewnia najmniejszy możliwy zakres pomocy w razie nagłego wypadku. Pokrywa koszty leczenia tylko w celu ratowania życia w szpitalu.

Ubezpieczenie na wakacje w krajach spoza Unii Europejskiej

Są kraje, które pomimo posiadania karty EKUZ nie pokrywają kosztów leczenia powstałych w wyniku uprawiania sportów ekstremalnych. EKUZ nie obejmuje też kosztu powrotu osoby poszkodowanej do kraju. Dlatego też uzupełnieniem EKUZ powinno być ubezpieczenie turystyczne zagraniczne , które zapewnia pełną pomoc w czasie wakacji. Pamiętaj, że EKUZ działa w Unii Europejskiej oraz w krajach Europejskiego Stowarzyszenia Wolnego Handlu (EFTA). Dlatego jeśli wybierasz się do krajów spoza UE i spoza EFTA, nie możesz liczyć na pomoc medyczną w ramach EKUZ. 

Wykup ubezpieczenia turystycznego – porównywarka zapewni Ci komfortowe wakacje

Wybierając się w podróż, nigdy nie planujemy, że może nam się przytrafić nieszczęśliwy wypadek, czasem jednak się to zdarza. Polisy turystyczne trwające od pierwszego do ostatniego dnia naszego wyjazdu zapewniają kompleksową ochronę ubezpieczeniową.

Ubezpieczenie turystyczne zagraniczne wygenerowane przez kalkulator

Najlepsze oferty dopasowane do naszych konkretnych oczekiwań pomoże nam znaleźć porównywarka ubezpieczeń turystycznych . Poszczególne oferty mogą obejmować m.in.:

Zagubiony lub zniszczony bagaż

Zwrot kosztów transportu w razie wypadku

Refundację wydatków związanych z leczeniem podczas urlopu

Następstwa nieszczęśliwych wypadków

Jeżeli wiesz, że podczas wakacji będziesz uprawiać sporty ekstremalne, wyczynowe lub weźmiesz udział w zaplanowanych wcześniej turniejach, każde ubezpieczenie zagraniczne możesz rozszerzyć o opcje, które ochronią cię także w razie takich wypadków.

Polisy turystyczne a moto assistance

Warto także rozważyć moto assistance , zwrot pieniędzy za bilety lotnicze oraz za noclegi w sytuacji, kiedy musimy zrezygnować z wyjazdu. Porównywarka ubezpieczeń turystycznych pokazuje dokładne warunki każdej polisy.

Zobacz jak wygląda ranking ubezpieczeń podróżnych z porównywarki ubezpieczeń

Wykorzystaj praktyczne narzędzie, jakim jest porównywarka ubezpieczeń i wybierz ofertę skrojoną tylko dla ciebie. Kalkulator ubezpieczenia turystycznego zbiera polisy wiodących ubezpieczycieli na rynku i przedstawia Ci je łącznie z cenami oraz warunkami.

Kupując ubezpieczenie na wyjazd zagraniczny musisz odpowiedzieć na kilka prostych pytań

Wiele osób zadaje sobie pytanie jak wybrać ubezpieczenie turystyczne . Kalkulator dostępny na naszej stronie internetowej to najlepszy sposób, aby uzyskać dostęp do aktualnych polis. Potrzebna będzie data rozpoczęcia oraz zakończenia podróży, data urodzenia wszystkich osób, które będą objęte ubezpieczeniem, cel podróży, a także informacja czy osoba korzystająca z kalkulatora ubezpieczenia turystycznego przebywa aktualnie na terenie Polski.

Najlepsze ubezpieczenie podróżne w kilku prostych krokach

Aby uzyskać ubezpieczenie turystyczne , porównywarka poprosi nas o sprecyzowanie dodatkowych elementów, o które chcielibyśmy rozszerzyć naszą polisę podróżną. Konieczne będzie wskazanie aktywności, które planujemy podczas podróży (wypoczynek, sport wyczynowy, praca itp.). Korzystając z wygodnego kalkulatora bez problemu dowiesz się jak aktualnie przedstawia się ranking ubezpieczeń podróżnych . Zobaczysz różne propozycje polis na ubezpieczenia podróżne , porównywarka pokaże Ci zakres oraz ceny konkretnych ofert.

Czy kupując ubezpieczenie podróżne porównywarka pokaże mi wszystkie oferty?

Jeśli już zdałeś sobie sprawę jak istotne jest ubezpieczenie turystyczne , porównywarka ubezpieczeń podróżnych dostępna w naszym serwisie internetowym pokaże ci zestawienie najlepszych ofert wiodących firm ubezpieczeniowych w Polsce. Twoim zadaniem będzie jedynie ich analiza pod kątem zakresu i kosztów.

Ubezpieczenie turystyczne - gdzie najlepiej?

Sprawdź, jak wygląda ranking ubezpieczeń podróżnych , które wygeneruje dla Ciebie kalkulator ubezpieczenia turystycznego . Uzupełnij formularz i wybieraj spośród wielu ofert.

Najtańsze ubezpieczenia turystyczne – ranking wygeneruje dla Ciebie kalkulator

Dołącz do grona beztroskich podróżników i wykup dla siebie oraz rodziny ubezpieczenie podróżne . Porównywarka dostępna na naszej stronie internetowej jest darmowa. Po wprowadzeniu niezbędnych informacji kalkulator ubezpieczenia turystycznego wyszuka dla Ciebie najkorzystniejsze oferty. Dodatkowo możesz zaznaczyć, że interesuje Cię także ubezpieczenie narciarskie oraz dla osób uprawiających sporty ekstremalne. Przejrzyste wypunktowanie najważniejszych informacji o każdej ofercie pozwoli Ci spokojnie przeanalizować i porównać oferty i wybrać spośród nich tą, która spełnia wszystkie kryteria.

Od czego zacząć, aby wykupić ubezpieczenie na wyjazd za granicę?

Pierwszym krokiem podczas wyboru polisy podróżnej musi być ocena własnych potrzeb oraz charakteru wyjazdu. Jeżeli nie planujesz uprawiać sportów ekstremalnych bądź podwyższonego ryzyka, najprawdopodobniej wystarczy Ci standardowe ubezpieczenie . Wyjazd zagraniczny wiąże się niejednokrotnie z podróżą samolotem i w takim wypadku warto rozważyć również polisę, która zapewni ochronę bagażu przed zagubieniem bądź zniszczeniem.

Najlepsze ubezpieczenie turystyczne nie musi być drogie

Różne polisy turystyczne oferują różny zakres ochrony w trakcie podróży. Podstawowym czynnikiem, na który w pierwszej kolejności powinniśmy zwrócić uwagę, jest gwarancja pokrycia wszystkich kosztów udzielenia pomocy medycznej. Zaliczamy do nich przede wszystkim koszty leczenia ambulatoryjnego, hospitalizacji i transportu ubezpieczonego do kraju. Jeżeli doznamy trwałego uszczerbku na zdrowiu, wówczas wypłata świadczeń nastąpi z ubezpieczenia od następstw nieszczęśliwych wypadków (NNW) .

Ubezpieczenie zagraniczne – warto czytać całą umowę

Wybierając ubezpieczenie na wyjazd powinniśmy też zastanowić się, czy potrzebne nam będzie krótkoterminowe ubezpieczenie turystyczne samochodu . Jeżeli odpowiedź brzmi „tak”, wówczas, przed opłaceniem składki koniecznie zapoznaj się z Ogólnymi Warunkami Ubezpieczenia ponieważ są tam zapisane wyłączenia z ochrony ubezpieczenia. Zaniedbanie tego kroku może wpłynąć później na ewentualną wypłatę świadczeń.

Chcę kupić ubezpieczenie turystyczne, kalkulator pyta mnie o choroby przewlekłe

Kraje takie jak Australia, USA czy Kanada mają bardzo drogi system opieki zdrowotnej, dlatego przed wyjazdem w te kierunki zaleca się wybrać ubezpieczenie turystyczne bez limitów. W sytuacji, gdy cierpisz na chorobę przewlekłą, niezależnie dokąd się wybierasz, zaznacz w kalkulatorze ubezpieczeń turystycznych opcję „choroby przewlekłe”.

Ubezpieczenia turystyczne, NNW, OC i ochrona bagażu

Ciekawym dodatkiem do ubezpieczenia na wyjazd jest ubezpieczenie OC. Jest to opcja dodatkowo płatna, jednak wyjątkowo przydatna w sytuacji, kiedy nieumyślnie spowodujemy zdarzenie, w rezultacie którego ucierpi osoba trzecia. Wówczas odszkodowanie, o które będzie ubiegać się poszkodowany, zostanie pokryte z konta ubezpieczyciela.

Czy kalkulator ubezpieczenia turystycznego bierze pod uwagę to, że uprawiam sporty ekstremalne?

Pamiętaj, że ubezpieczyciel odmówi ci wypłacenia świadczeń, jeżeli uraz, którego doznałeś nastąpił w wyniku uprawiania sportów ekstremalnych bądź sportów podwyższonego ryzyka, a Ty nie miałeś wykupionego dodatkowego ubezpieczenia. Do takich zaliczają się między innymi skoki ze spadochronem, paralotniarstwo, pilotowanie samolotu, kolarstwo, skok na bungee oraz wspinaczka. Często, udział w zawodach sportowych podczas wyjazdów zagranicznych wiąże się z zabraniem profesjonalnego i drogiego sprzętu. Nie wszyscy wiedzą, że ubezpieczenie turystyczne może objąć ochroną również narty lub deskę snowboardową.

Poznaj narzędzie jakim jest kalkulator ubezpieczeń turystycznych

Nie wiesz jak wybrać ubezpieczenia turystyczne ? Porównywarka zrobi to za ciebie. Kalkulator ubezpieczeń turystycznych w kilka sekund przetworzy podane przez Ciebie informacje i na tej podstawie wygeneruje oferty towarzystw ubezpieczeniowych współpracujących z naszym serwisem internetowym. Ubezpieczenie na wyjazd zagraniczny zostanie dobrane pod kątem celu podróży, czasu trwania, liczby oraz wieku uczestników podróży oraz tego, co będziemy robić na wakacjach – wypoczywać, czy uprawiać sporty.

Porównanie ubezpieczeń turystycznych w darmowej porównywarce

Dodatkowe odpowiedzi, jakich będziesz musiał udzielić obejmą choroby przewlekłe. Pamiętaj, że porównywarka ubezpieczeń podróżnych nie jest jedną metodą zakupu ubezpieczenia podróży zagraniczne j. Jeżeli dokładnie przeanalizowałeś wszystkie ubezpieczenia turystyczne, ranking z porównywarki i ceny poszczególnych polis, a pomimo tego wciąż masz wątpliwości, zadzwoń do doradcy. W CUK Ubezpieczenia pracują najlepsi specjaliści, zawsze gotowi do pomocy.

Jak działa porównywarka ubezpieczeń turystycznych?

Wybierasz się w podróż i wciąż zadajesz sobie to samo pytanie „ ubezpieczenie turystyczne – gdzie najlepiej kupi ć?”, nie zapominaj o wykorzystaniu bardzo pomocnego narzędzia jakim jest kalkulator ubezpieczenia turystycznego . Dzięki niemu wyszukasz najtańsze ubezpieczenie turystyczne i w zaledwie kilka minut sprawdzisz najlepsze oferty. Ubezpieczenie na podróż zagraniczną kupisz bez wychodzenia z domu. Wystarczy do tego laptop lub smartfon. Po dokonaniu przelewu, dokumenty przyjdą na podany przez ciebie adres e-mail.

Ubezpieczenie na podróż zagraniczną znajdziesz dzięki wygodnej porównywarce

Ubezpieczenie podróży zagranicznej nie jest jedyną rzeczą, którą możesz wyszukać i zakupić poprzez porównywarkę dostępną na naszej stronie internetowej. Wybierasz się w podróż służbową i potrzebujesz ubezpieczenie? Wyjazd zagraniczny do pracy również można objąć ochroną. Wystarczy wtedy zaznaczyć w porównywarce, że wybierasz się w podróż służbową. Wiele osób zastanawia się, czy wyszukujący ubezpieczenie turystyczne kalkulator jest bezpieczny. Tak, gwarantujemy bezpieczeństwo podanych przez Ciebie danych. Nasza strona posiada certyfikat SSL, a zakupioną polisę można opłacić bezpiecznym przelewem internetowym.

Czy porównywarka ubezpieczeń podróżnych jest darmowa?

Kalkulator porównujący najtańsze ubezpieczenie turystyczne dostępny na cuk.pl jest bezpłatny i nie zawiera żadnych ukrytych opłat dodatkowych. W CUK Ubezpieczenia sprawdzisz cenę polisy turystycznej za darmo.

Cena ubezpieczenia na wyjazd

Najtańsze ubezpieczenie na podróż zagraniczną kupisz już za kilka złotych na dzień. Wpływ na cenę będzie miał zakres ochrony ubezpieczenia, cel podróży, czas jej trwania oraz liczba i wiek osób, które zostaną objęte ochroną. Wyższą składkę za ubezpieczenie na wakacje zapłacisz, jeżeli cierpisz na  choroby przewlekłe lub zamierzasz podczas podróży uprawiać sporty ekstremalne.

Jedna polisa podróżna – wiele korzyści

Pamiętaj, aby zawsze sprawdzać limity ubezpieczenia podróżnego . Porównywarka przedstawi Ci wiele informacji, z których najważniejszą będzie suma ubezpieczenia kosztów leczenia. Może ona wynieść nawet 1 500 000 zł. Kolejnym ważnym aspektem jest ubezpieczenie kosztów ratownictwa. Akcje ratunkowe prowadzone za granicą kosztują tysiące euro i jeżeli twoje ubezpieczenie na czas podróży nie będzie uwzględniać tej opcji, wszystkie koszty będziesz musiał pokryć z własnej kieszeni.

Ubezpieczenia

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• Kredyty hipoteczne
• Ubezpieczenia na życie
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• Ubezpieczenia nieruchomości
• Ubezpieczenia dla firm
• Ubezpieczenia zdrowotne
• Inne ubezpieczenia

Wybierz cel ubezpieczenia

• Na życie

Ranking ubezpieczeń turystycznych

Wyjazdy zagraniczne to okazja, by poznać nowe miejsce i nowych ludzi. Warto jednak zadbać o komfort i bezpieczeństwo swojego wyjazdu. Jak jednak wybrać najlepsze ubezpieczenie turystyczne? Redakcja UbezpieczeniaOnline.pl przygotowała ranking ubezpieczeń turystycznych. Dzięki temu zestawieniu porównasz dostępne na rynku polisy turystyczne i wybierzesz tę najlepszą, dopasowaną do swoich potrzeb, charakteru, kierunku wyjazdu oraz planowanych aktywności.

Dlaczego powstał ranking ubezpieczeń turystycznych?

Ranking, który znajduje się poniżej pozwoli Ci  sprawdzić, jaką ofertę zapewnia dane towarzystwo, co gwarantuje i czym się wyróżnia. Ranking ubezpieczeń podróżnych pozwoli Ci zapoznać się z wszystkimi opcjami, porównać je między sobą i zdecydować się na wybór konkretnej oferty. Najlepsze ubezpieczenie podróżne zakupisz online, za pomocą naszego kalkulatora ubezpieczeń turystycznych, szybko i wygodnie!

Jak ustalamy kolejność ubezpieczeń w rankingu ubezpieczeń turystycznych?

O pozycji w zestawieniu zadecydowała popularność danego towarzystwa wśród naszych klientów. Każdy zainteresowany najlepszym ubezpieczeniem podróżnym może sam ocenić jakość oferty pod kątem wysokości sum gwarantowanych, zakresu ochrony, ceny polisy oraz innych kryteriów czy dostępnych dodatków i rozszerzeń ochrony.

Do kogo kierujemy ranking ubezpieczeń turystycznych?

To zestawienie powstało z myślą o wszystkich, którzy planują wyjazdy zagraniczne i poszukują najlepszego ubezpieczenia turystycznego. Jeśli jesteś w trakcie organizowania wyjazdu na urlop, zagranicznej wycieczki czy weekendowego wypadu, ten ranking ubezpieczeń podróżnych jest właśnie dla Ciebie. Nie ma znaczenia, czy podróżujesz po Europie czy wyjeżdżasz dalej - tutaj dowiesz się, jak wybrać polisę zapewniającą Ci bezpieczeństwo wszędzie tam, dokądkolwiek się udasz.

Co sprawdzisz w rankingu ubezpieczeń podróżnych?

Znajdziesz tutaj zestawienie najlepszych ubezpieczeń turystycznych dostępnych w naszym kalkulatorze. Dowiesz się, które polisy są najpopularniejsze wśród naszych klientów, sprawdzisz ich zakres oraz dowiesz się, czym się wyróżniają.

Czym są koszty leczenia w rankingu ubezpieczeń turystycznych?

Koszty leczenia w rankingu ubezpieczeń turystycznych to jedna z kluczowych kategorii oceny polis turystycznych. Oznaczają one, ile środków ubezpieczyciel jest gotów pokryć w przypadku konieczności leczenia medycznego podczas podróży zagranicznej.  W ramach tego zakresu ochrony ubezpieczyciel, w zależności od swojej oferty pokrywa: - leczenie szpitalne, - wizyty u specjalistów, - transport medyczny, - zakup leków i środków opatrunkowych, - koszty badań, zabiegów i operacji, - transport powrotny do kraju, - zachorowanie na COVID-19. Wybierając najlepsze ubezpieczenie turystyczne pod kątem leczenia, warto zwrócić uwagę na sumę gwarantowaną. To maksymalna kwota, którą ubezpieczyciel zobowiązuje się pokryć w przypadku kosztów leczenia podczas podróży. Jest to niezwykle ważne, ponieważ niektóre kraje, zwłaszcza te słynące z wysokich kosztów opieki zdrowotnej, mogą generować bardzo wysokie rachunki medyczne. Na terenie Europy bezpieczną sumą gwarantowaną kosztów leczenia będzie 30 000 euro. W krajach świata kwotę tę najlepiej dopasować do kierunku wyjazdu, np. w USA, Kanadzie, Japonii czy Australii zaleca się, by wybrać polisę z maksymalnie najwyższym zakresem.

Czym jest NNW w rankingu ubezpieczeń turystycznych?

NNW w ubezpieczeniu turystycznym to skrót od następstw nieszczęśliwych wypadków. Jest to jedna z opcji lub rodzajów ochrony, którą można zawrzeć w ramach polisy podróżnej. Ubezpieczenie NNW w zapewnia ochronę finansową w razie wystąpienia nieszczęśliwego wypadku podczas podróży, który może prowadzić do różnych rodzajów uszkodzeń ciała lub do śmierci. Ubezpieczyciel w razie trwałego uszczerbku na zdrowiu lub śmierci wypłaci stosowne odszkodowanie. Wysokość tego odszkodowania zależy od wybranej sumy gwarantowanej.

Czym jest Assistance w rankingu ubezpieczeń turystycznych?

Assistance w ubezpieczeniu turystycznym to usługa świadczona przez ubezpieczyciela w celu zapewnienia pomocy i wsparcia w różnych sytuacjach awaryjnych lub nagłych podczas podróży. Usługa Assistance ma na celu zminimalizowanie trudności, z jakimi możemy się spotkać w obcym kraju lub w trudnych sytuacjach, a także zapewnienie mu wsparcia w rozwiązywaniu problemów. Ubezpieczyciele oferują centrum alarmowe lub informacyjne, dostępne 24 godziny na dobę przez 7 dni w tygodniu. W ramach Assistance w ubezpieczeniu turystycznym oferowana jest między innymi pomoc medyczna, pomoc w przypadku utraty dokumentów, wsparcie prawne, organizacja podróży powrotnej, opieka nad niepełnoletnimi dziećmi w razie wypadku czy hospitalizacji lub organizacja przyjazdu na bliskich w razie trafienia do szpitala.

Czym jest OC w życiu prywatnym w rankingu ubezpieczeń turystycznych?

OC w życiu prywatnym (odpowiedzialność cywilna w życiu prywatnym) to rodzaj ochrony, który chroni ubezpieczonego przed kosztami w sytuacjach, w których spowodujemy wypadek lub szkodę wobec innych osób lub ich mienia podczas podróży. W razie takiego zdarzenia straty te lub ewentualne zasądzone odszkodowanie opłaci za nas ubezpieczyciel do wysokości sumy gwarantowanej.

Czym jest ubezpieczenie bagażu w rankingu ubezpieczeń turystycznych?

Ubezpieczenie bagażu w ramach ubezpieczenia turystycznego to rodzaj ochrony, który zapewnia rekompensatę finansową w przypadku utraty, kradzieży lub uszkodzenia bagażu podróżnego ubezpieczonej osoby podczas podróży. Ochroną można objąć bagaż, sprzęt sportowy, sprzęt elektroniczny czy służbowy. W razie kradzieży, zniszczenia czy zgubienia rzeczy zabieranych w podróży ubezpieczyciel wypłaci odszkodowanie za poniesione straty, ale do wysokości sumy gwarantowanej. Ten element ochrony zawiera szereg wyłączeń. Na odszkodowanie nie można liczyć, np. jeśli bagaż nie był odpowiednio zabezpieczony przed kradzieżą lub zniszczeniem lub jeśli zastawiliśmy go bez opieki.

Od czego zależy cena polisy turystycznej?

To, ile kosztuje ubezpieczenie turystyczne zależy od wielu czynników. Na cenę polisy ma wpływ kierunek wyjazdu (polisy do Europy są tańsze niż te do krajów świata), długość pobytu (im dłużej, tym drożej), wybierane dodatki i rozszerzenia (więcej trzeba zapłacić za ubezpieczenie sportów wysokiego ryzyka u ekstremalnych, ochronę dla chorych przewlekle czy wyjeżdżających do pracy za granicę) czy liczba wyjeżdżających. Bardziej rozbudowane zakresy ochrony są droższe. Każdy ubezpieczyciel indywidualnie ustala cenę polisy. Niektóre towarzystwa uzależniają składkę ubezpieczenia od wieku. Starsi zapłacą więcej, a młodsi mogą liczyć na zniżki.

Najlepsze ubezpieczenie turystyczne – co zawiera i gdzie kupić?

Optymalna polisa powinna zapewniać pokrycie kosztów leczenia i ratownictwa, NNW, OC w życiu prywatnym oraz ochronę bagażu. Takie ubezpieczenie turystyczne można mieć już od około 5 zł za dzień ochrony. Każdy turysta jednak sam decyduje, co powinno znaleźć się w jego polisie, czy potrzebuje konkretnego dodatku lub rozszerzenia. Dlatego warto porównywać różne zakresy i warianty. W naszym kalkulatorze można samodzielnie wybrać i zakupić polisę online. Dokumenty ubezpieczenia zostaną wysłane na maila.

Jakie firmy zawiera ranking ubezpieczeń turystycznych?

W naszym rankingu ubezpieczeń podróżnych znalazły się firmy, których ubezpieczeń można porównać oraz zakupić w naszym kalkulatorze. Są to takie towarzystwa, jak Allianz, Axa Partners, Ergo Ubezpieczenia Podróży, Europa Ubezpieczenia, Generali, mtu24.pl, Nationale-Nederlanden, Proama, Signal Iduna oraz Wiener.

Allianz - Allianz Globtroter

Allianz Globtroter to kompleksowa ochroną dla osób, które mają w planach wyjazd turystyczny. Poza standardowymi wariantami, polisa obejmuje szereg dodatkowych ryzyk, gwarantujących pełną ochronę na cały czas podróży.

Zalety ubezpieczenia Allianz Globtroter:

• wysokie sumy gwarantowane w kosztach leczenia
• możliwość zamówienia kosnultacji z lekarzem w języku polskim
• szereg dodatkowych elementów, jak np. ubezpieczenie bagażu
• dodatkowe pakiety sportowe

Ograniczenia w Allianz Globtroter:

• zdiagnozowane przed wyjazdem choroby przwlekłe,
• diagnostyka i leczenie chorób niewchodzących w zakres natychmiastowej, niezbędnej pomocy medycznej,
• samookalczenia i samobójstwa,
• szkody powstałe w następstwie epidemii oraz skażeń
• szkody powstałe w wyniku wypadków podczas udziału w zawodach, wyścigach, rajdach

AXA - Axa Partners Daleko od Domu

Ubezpieczenie Axa Partners Daleko od Domu dostępne jest w trzech pakietach: Zdobywca, Podróżnik lub Urlopowicz. W zależności od charakteru wyjazdu oraz potrzeb każdy ubezpieczający może znaleźć dla siebie odpowiednią ochronę. Ci najbardziej wymagający mogą liczyć na pokrycie kosztów leczenia do nawet 40 000 000 zł w pakiecie Zdobywca.

Zalety ubezpieczenia Axa Partners:

• ubezpieczenie kosztów leczenia nawet do 40 000 000 zł
• ochrona w ramach OC nawet do 1 500 000 zł
• podstawowe sporty amatroskie w zakresie ochrony
• zdarzenia pod wpływem alkoholu objęte ochroną

Ograniczenia ubezpieczenia w Axa Partners:

• ochrona zdarzrń na wysokości powyżej 6 500 m n.p.m.,
• podróż na Antarktydę lub Arktykę,
• leczenie planowane
• podróż do krajów oznacoznyhch 3. stopniem zagrożenia według MSZ

ERGO - Ergo Ubezpieczenia Podróży - Beztroskie Podróże

Ubezpieczenie podróżne w Ergo to ochrona 24/7 w każdym miejscu na świecie. Można liczyć na wysokie sumy kosztów leczenia, szeroki wybór pakietów oraz dodatkowych elementów ubezpieczenia. Polisa sprawdzi się na podróże zarówno po Europie, jak i w przypadku wyjazdów do innych krajów świata.

Zalety ubezpieczenia Ergo Bezpieczne Podróże:

• cztery różne warianty ubezpieczenia
• Assistance medyczne 24/7 w każdym miejscu na świecie
• wysokie sumy gwarantowane
• szereg dodatków, w tym ubezpieczenie bagażu

Ograniczenia w ubezpieczeniu Ergo Bezpieczne Podróże:

• uprawianie sportów wysokiego ryzyka, ekstremalnych oraz wyczynowych,
• wypadki przy pracy fizycznej,
• pandemia choroby zakaźnej,
• leczenie niezwiązane z nagłym zachorowaniem

TU Europa - Europa Ubezpieczenia Travel World

Polisa w Europa Ubezpieczenia to kompleksowa ochrona w podróży. Możesz wybrać wariant odpowiedni dla siebie. Ochrona obejmuje pokrycie kosztów leczenia, ratownictwa i transportu, choroby przewlekłe, pomoc w podróży, NNW, OC i wiele innych opcji.

Zalety ubezpieczenia Europa Ubezpieczenia Travel Word:

• niska składka ubezpieczeniowa,
• wysokie sumy gwarantowane,
• atrakcyjne zniżki rodzinne,
• choroby przwlekłe chronione w podstawowym pakiecie

Ograniczenia w ubezpieczeniu Europa Ubezpieczenia Travel Word:

• podróże na terytorium Polski i kraju rezydencji,
• koszty leczenia na terytorium USA, Kanady, Japonii i Australii pokrywane są do 2 000 euro w wariancie Standard Mini, Standard Max i Standard Plus,
• leczenie stomatologiczne pokrywane do 300 euro

Generali - Generali - Direct

Ubezpieczenie na wyjazd zagraniczny towarzystwa Generali jest idealną ochroną dla osób, które szukają kompleksowej polisy na wyjazdy zagraniczne w Europie oraz na świecie. Ubezpieczyciel pokrywa koszty leczenia nawet do 800 tysięcy złotych.

Zalety ubezpieczenia turystycznego Generali:

• szeroki zakres ochrony,
• klika wariantów do wyboru,
• sporty objęte podstawową ochroną

Ograniczenia w ubezpieczeniu turystycznym Generali:

• zdarzenia spowodowane umyślnie,
• aktywny udział w wojnie albo aktach terroru,
• koszty leczenia i usługi assistance za granicą, jeżeli ze względów zdrowotnych istniały przeciwwskazania lekarskie co do odbycia podróży

MTU24.pl - Ubezpieczenie turystyczne mtu24.pl

Polisa turystyczna od mtu24.pl to pełna ochrona podczas podróży zagranicznej. Ubezpieczenie zapewnia kilka pakietów do wyboru. Można liczyć na szeroki zakres świadczeń Assistance, dodatkowe rozszerzenia ochrony oraz wysoką jakość likwidacji szkód.

Zalety ubezpieczenia turystycznego mtu24.pl:

• kilka wariantów do wyboru,
• bezgotówkowa pomoca medyczna,
• bardzo bogaty zakres Assistance

Ograniczenia w ubezpieczeniu turystycznym w mtu24.pl:

• uprawianie sportów w celach zarobkowych,
• zawody pojazdów mechanicznych,
• choroby AIDS lub zakażenia wirusem HIV,
• podróż w celach leczniczych

Nationale-Nederlanden - Ubezpieczenie turystyczne

Ubezpieczenie turystyczne NN to wsparcie finansowe i praktyczna pomoc w podróży na całym świecie już od 5 zł za dzień ochrony. Możesz liczyć na wysokie sumy gwarantowane, wsparcie dla aktywnych w podstawowym wariancie oraz atrakcyjne rozszerzenia ochrony.

Zalety ubezpieczenia w Nationale-Nederlanden:

• aż 60 sportów objętych ochroną w podstawowym pakiecie
• niska cena składki

Ograniczenia w ubezpieczeniu w Nationale-Nederlanden:

• zdarzenia na skutek eksplozji atomowej, promieniowania radioaktywnego,
• działania wojenne, rozruchy, zamieszki, konflikty zbrojne i akty terrou,
• działania po zażyciu narkotyków, środków odurzających, substancji psychotropowych lub psychoaktywnych

Proama - Ubezpieczenie turystyczne Proama

Polisa turystyczna Proama gwarantuje pełne wsparcie w razie podróży na terenie Europy lub całego świata. Wyjeżdżającym oferowana jest 24-godzinna, polskojęzyczna pomoc w podróży, szeroki zakres usług Assistance oraz atrakcyjne ceny.

Zalety ubezpieczenia turystycznego Proama:

• centrum alarmowe czynne 24/7,
• szeroki zakres usług Assistance,
• kilka pakietów do wyboru

Ograniczenia w ubezpieczeniu turystycznym Proama:

• choroby przewlekłe,
• wyjady w celach lecznicznych,
• udział w zawodach jako kierowca, pomocnik kierowcy albo pasażer,
• zamieszki, wojny, akty terroru

SIGNAL IDUNA - Ubezpieczenie podróży zagranicznych w Signal Iduna

Ubezpieczenie turystyczne w Signal Iduna to pełna ochrona na wyjazd indywidualny, rodzinny lub grupowy. Podstawowy zakres zapewnia pokrycie koszty leczenia, następstw nieszczęśliwych wypadków oraz pomoc i ochronę prawną. Do takiej polisy można dobrać szereg dodatków, dopasowując ubezpieczenie do charakteru swojej podróży.

Zalety ubezpieczenia podróży w Signal Iduna:

• niskie ceny składki,
• szeroki wybór dodatków i rozszerzeń,
• ochrona sprzętu elektronicznego

Ograniczenia w ubezpieczeniu podróży w Signal Iduna:

• uprawianie sportów zimowych
• uprawianie sportów ekstremalnych,
• praca fizyczna
• umyślnym działania ubezpieczonego

Wiener - W podróży

Ubezpieczenie turystyczne od Wiener to doskonała ochrona dla ceniących wypoczynek oraz dla uprawiających w czasie urlopu różnego typu dyscypliny sportowe. Klienci mają do wyboru cztery zróżnicowane pakiety, które mogą dopasować pod kątem swoich potrzeb oraz charakteru wyjazdu.

Zalety ubezpieczenia Wiener W Podróży:

• szeroki zakres ochrony
• 17 sportów w podstawowym pakiecie
• ochroną objęte zdarzenia pod wpływem alkoholu

Ograniczenia w ubezpieczeniu Wiener W Podróży:

• umyślne działanie, 
• zdarzenia, do których pod wpływem środków odurzających, 
• leczenie usprawniające,

Najczęściej zadawane pytania

Do czego przyda mi się ranking ubezpieczeń turystycznych, czy mogę ubezpieczyć moją podróż z poziomu rankingu, czy warto kierować się rankingiem przy wyborze ubezpieczenia turystycznego, które tu oferuje najlepsze ubezpieczenie na podróż, czy kolejność tu w ranking ubezpieczeń turystycznych może się zmienić, od czego zależy miejsce tu w rankingu ubezpieczeń turystycznych, czy ranking ubezpieczeń turystycznych jest sponsorowany, czy w rankingu znajdują się wszystkie oferty dostępne na rynku ubezpieczeń turystycznych, przeczytaj nasze poradniki, analizujemy ubezpieczenie narciarskie w axa, jak wyrobić ekuz we wrocławiu, narty w szczyrk mountain resort, oni nam zaufali.

Dołącz do grona naszych klientów i wybierz ofertę specjalnie dla Ciebie!

Ranking ubezpieczeń

Dzięki naszemu rankingowi poznasz najlepsze ubezpieczenia na życie.

Nasze poradniki

Zapoznaj się z poradnikami, stworzonymi przez ekspertów. Doradzimy jak znaleźć najlepsze ubezpieczenie i jak oszczędzić na składkach.

Masz jakieś pytania? Zapoznaj się z najczęściej zadawanymi pytaniami czytelników (FAQ).

Nasze narzędzia

Wybierz odpowiednie narzędzie i poznaj nasze możliwości:

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Allianz Travel Protection

Don’t just wing it. Protect your trip to enjoy peace of mind and enhance your experience. JetBlue has been proud to partner with Allianz Global Assistance for over a decade because they’re the gold standard in the travel insurance and assistance industry. Every year, millions of people trust them to protect their travel plans, ticket purchases, and more.

Helpful links

Covid-19 coverage information, why travelers choose protection, why choose allianz travel protection, allianz travel protection benefits basics, easier claims for quicker payments, review period.

Selecting travel protection when booking your flights is the easiest way to keep you and your budget safe.

• No one wants to lose their vacation investment if they have to cancel a trip, and they don’t want minor mishaps to ruin their time away from home.
• Medical emergencies overseas can be really expensive and many personal health insurance policies (like Medicare) don’t provide coverage outside the U.S.
• Help is only a phone call away. Allianz Global Assistance’s award-winning team of experts is always available to help solve travel problems.

We’ve made it easy to add Allianz Travel Protection during the booking process.

“I was extremely impressed with the ease of filing my claim, and very happy with the outcome. Travel insurance was well worth it. I recommend it to everyone. Thank you.” JetBlue customer, New York, Nov. 2022.

Allianz Travel Protection is an insurance plan with award-winning assistance that can protect you and your budget from unexpected travel problems and emergencies. In most cases, this means providing reimbursement for covered financial losses after you file a claim and it has been approved. These losses can be minor, like a delayed suitcase, or significant, like a last-minute trip cancellation or a medical emergency overseas.

Allianz Travel Protection can protect you before and during your trip—keeping you, your loved ones, and your travel budget safe. Benefits vary by plan and these are brief descriptions. Please read your plan documents for details.  

Allianz Global Assistance continues to streamline the claims process. They simplified the claim form to make it easier to complete, and they added a claim button to the TravelSmart™ app—allowing you to file a claim on the go from your smartphone.

If you’re not completely satisfied, you have 15 days (or more, depending on your state of residence) to request a refund, provided you haven’t started your trip or initiated a claim. Premiums are non-refundable after this period.

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Terms, conditions, and exclusions 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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Should you buy travel insurance for holiday travel?

• Published: Nov. 05, 2023, 11:50 a.m.
• NerdWallet | special to cleveland.com

Holiday travel can be taxing even without the added stress of disruptions such as cancellations, flight delays or lost bags.

Last winter, Southwest Airlines’ holiday travel meltdown left millions of travelers stranded and angry. Travelers were still filing for compensation for ruined trips weeks later. Consumer complaints against U.S. airlines to the Department of Transportation in February 2023 increased sixfold compared with February 2019, forcing the agency to temporarily stop reporting more data as it processes complaints.

Despite the chaos, holiday travel shows no signs of slowing down this year. About 50% of Americans plan to pay for flights or hotel stays this holiday season, according to a NerdWallet survey conducted by The Harris Poll in September among over 2,000 U.S. adults. They will be referred to as “2023 holiday travelers” going forward.

More than a third of 2023 holiday travelers (35%) say they will keep their usual holiday travel plans this year, regardless of expense. And given the rising cost of gas , a quarter (25%) of those traveling say they’re flying rather than driving.

If you’re determined to get your dose of festive cheer, you may wonder if it’s worth paying extra for travel insurance this year. The survey found that 21% of 2023 holiday travelers plan on buying or have already bought travel insurance for their holiday trips, up from 16% last year.

Is flying truly worse?

The post-pandemic travel surge is real. But has the flying experience honestly gotten worse? Let’s take a look at the numbers.

The Department of Transportation releases reports on the performance of the 10 largest airlines and their marketing carriers. An analysis of data through June 2023 (which, it should be noted, doesn’t capture the complete picture of summer travel) by the U.S. PIRG Education Fund found:

• The number of airline passengers for the first half of 2023 increased by 11%, to 419.2 million, compared with 2022. That’s almost back to 2019 pre-pandemic levels (419.7 million).
• On-time performance for flights in June fell to 71.3%, worse than a year ago. The on-time rate for the first half of 2023, at 76.5%, was slightly better than in 2022, but worse than in 2019.
• Flights are fuller this year than they were before the pandemic. More than 419 million passengers traveled in both the first half of 2023 and the first half of 2019. There were, however, fewer flights operated in 2023 — nearly 3.5 million compared with nearly 3.9 million in 2019 — meaning the same number of travelers had fewer flight options.
• The flight cancellation rate in June fell to 2.1%, better than a year ago. The cancellation rate for the first half of 2023, at 1.6%, was half of what it was in 2022 and better than in 2019.

So, while travel returns to pre-pandemic levels, travelers have fewer flight options. Given those gloomy statistics, travel insurance is at least worth considering this year.

Insurance aside, one way to lower the risk of disrupted travel is by adjusting when or how you fly. Nearly 2 in 5 2023 holiday travelers (35%) in the NerdWallet survey plan to avoid busy travel days by extending the duration of their holiday trips.

» Learn more: The busiest days to fly during the winter holidays

What type of travel insurance should you get?

The type of insurance you should buy depends on a few factors, including:

• Whether your trip is nonrefundable.
• Where you’re going.
• If your credit card has built-in protection.
• What your health coverage is at the destination.

Let’s assume you’re traveling domestically and already have health insurance coverage. Depending on your age and health, you may not have to pay extra for medical coverage. Note that only some travel insurance policies cover pre-existing conditions .

Some travel credit cards offer basic trip cancellation or interruption, baggage delay coverage and rental car coverage up to a certain dollar amount. If you think the options your credit card provides are good enough, you won’t need additional coverage.

If you don’t have a credit card with built-in protection or the limits aren’t high enough for you, look into buying a stand-alone travel insurance policy.

You can opt for the trip insurance your airline offers, buy it directly from an insurance provider or get it via an online travel agency such as Expedia . You can also compare quotes from travel insurance marketplaces you can find online. The cost of your policy will depend on the details of your trip.

Flying home for the holidays may not get any better this year, but having travel insurance could give you some comfort during your trip.

More From NerdWallet

• The Frequent Traveler Benefit People Want More Than Perks
• More Travelers Are Using Buy Now, Pay Later for Holiday Trips
• 6 Ideas for a Wonka Dream Vacation This Winter

Amrita Jayakumar writes for NerdWallet. Email: [email protected] . Twitter: @ajbombay.

The article Should You Buy Travel Insurance for Holiday Travel? originally appeared on NerdWallet.

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5 reasons to buy travel insurance for winter trips

By Angelica Leicht

October 30, 2023 / 3:35 PM EDT / CBS News

Winter travel can be a magical experience, offering picturesque landscapes, festive celebrations and the opportunity to enjoy cold-weather activities. Whether you're planning a skiing vacation or a cozy cabin getaway, winter trips are filled with unique memories waiting to be made. 

However, there are also potential risks to traveling during this time of year. After all, it only takes a few inches of snow or ice to cause major backups, delays and cancellations at the airport. That, in turn, can mean you're stuck paying for unnecessary travel-related expenses, like hotel rooms you're not using or ski passes you can't pick up.  

Those are the types of issues most people would like to avoid when they're already paying hefty sums of money to travel — and that's where travel insurance comes into play. Purchasing the right travel insurance policy is important if you want to avoid losing money on your winter trips, and there are a few different reasons to consider buying it this year.

Explore your top travel insurance options here to learn more .

5 reasons travel insurance is important for winter trips

There are a few different reasons why travel insurance can come in handy this winter, including:

Protection against cancellation or delay

Winter weather can be notoriously unpredictable. Snowstorms, ice and low temperatures can lead to flight cancellations and delays. If your flights are canceled or significantly delayed, travel insurance can help cover the cost of rebooking flights, accommodations and other travel-related expenses. This means you won't have to dig deep into your pockets to salvage your travel plans.

Get started with the right travel insurance policy here .

Coverage for lost or delayed luggage

Wintertime travel often requires packing bulkier clothing and gear. Unfortunately, this can lead to an increased risk of lost or delayed luggage. Travel insurance typically includes coverage for lost or delayed baggage, ensuring you're reimbursed for essential items and clothing while you wait for your belongings to catch up with you.

Emergency medical assistance

Winter sports enthusiasts, such as skiers and snowboarders, face an elevated risk of accidents and injuries. Travel insurance offers peace of mind by providing coverage for emergency medical expenses . This can include medical evacuation, hospitalization and treatment costs, ensuring you receive the necessary care without worrying about excessive medical bills.

Trip interruption or cancellation

In the event of a personal emergency, such as a family illness or unforeseen circumstances at home, you might need to cut your winter trip short or cancel it altogether. Travel insurance can provide reimbursement for prepaid, non-refundable expenses like hotel bookings, tour reservations and event tickets, allowing you to return home without worrying about the financial implications.

Protection against unforeseen events

Winter conditions can lead to various unforeseen events, such as road closures, power outages or extreme weather conditions that affect your travel plans. Travel insurance can help you navigate these unexpected challenges by covering additional expenses, such as accommodations, meals and transportation.

The bottom line

Winter trips can be incredibly rewarding, but they also come with their own set of challenges. To ensure your vacation remains memorable for all the right reasons, investing in travel insurance is a smart move. By providing coverage for flight cancellations, lost luggage, medical emergencies, trip interruptions and unforeseen events, travel insurance offers a safety net that ensures you can enjoy your winter adventures with peace of mind. 

Remember that travel insurance policies can vary, so it's essential to carefully review your options and choose a plan that best suits your winter travel needs. With the right coverage, you can fully embrace the magic of the season without any worries holding you back.

Business Insider

Travel Insurance Cost: This Week's Average Rates

Posted: October 31, 2023 | Last updated: October 31, 2023

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Our experts answer readers' insurance questions and write unbiased product reviews ( here's how we assess insurance products ). In some cases, we receive a commission from our partners ; however, our opinions are our own.

• The average travel insurance premium this week is $309.36, a slight increase from last week.
• For travel in the United States, the average premium is $98 to $411.
• Travel insurance protects against delayed baggage, trip cancellation, and more.

The average cost of travel insurance fluctuates throughout the year, based on demand and whether or not school's in session. Also keep in mind that where you're traveling and how many people are taking the trip will affect your exact premium.

Travel insurance weekly rates at a glance:

• Average premium: $309.36
• Average trip cost: $6,483.83
• Average trip length: 16 Days

What is travel insurance?

Travel insurance plans can cover both domestic and international travel. It could protect against something as familiar as delayed baggage (experts estimate 85% of lost luggage is returned to its owner within 48 hours) or as complicated as trip cancellation.

The benefits and limitations of travel insurance vary based on the company and plan. Above all else, this insurance coverage offers peace of mind.

See Insider's picks for the best travel insurance companies »

Some credit cards offer a limited amount of travel insurance annually. If you need clarification on what your credit card offers, contact your provider to verify. These plans are great for cancellations and interruptions but may not cover more costly losses associated with unexpected medical expenses or emergency evacuations.

Individual travel insurance plans include this and much more. Travel insurance protects travelers from the unexpected when away from home.

Average cost of travel insurance by most popular destinations

Some countries are naturally more expensive travel destinations due to higher flight and lodging costs, which could increase travel insurance costs. Travel insurance will generally cost 5% to 10% of your total trip price, according to SquareMouth.

Here's how the prices stack up:

Source: SquareMouth

When are people buying travel insurance?

According to an AAA travel survey , 88% of travelers say that reimbursement after a trip cancellation is the most valuable benefit of trip insurance.

According to data gathered by SquareMouth in the last six months, travelers tend to purchase trip cancellation travel insurance 53 days before their trip. Meanwhile, travelers without trip cancellation insurance will buy a policy approximately 16 days before their trip. Regardless of when you buy, cancellation protection can kick in to protect you against the unexpected.

Average cost of travel insurance by age

A traveler's age is a significant factor in determining the cost of travel insurance. The older a traveler is, the higher travel insurance premiums are. For instance, a senior traveler may need more insurance for health-related emergencies than a millennial.

When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency.

Get your free travel insurance quote with SquareMouth »

What does travel insurance cover?

Travel insurance can help reimburse you for non-refundable parts of your trip or help you if you're injured or face an emergency.

Travel insurance policies cover six main things:

• Trip cancellation or interruption
• Trip delays
• Medical costs while traveling
• Baggage damage, delays, or loss
• Emergency transportation
• Rental car damage

If you have a credit card, you may already have access to some of these coverages without purchasing a separate travel insurance policy. For example, many airline credit cards and some of the best travel credit cards offer trip cancellation, delay coverage, and baggage coverage.

For example, the Chase Sapphire Preferred and Chase Sapphire Reserve cards both come with some travel coverage, including trip cancellation, interruption, and delay coverage, baggage delays, rental cars, accidental death, and dismemberment coverage.

Before getting a travel insurance policy, making sure the terms match your needs or concerns is essential. During the COVID-19 pandemic, that's especially important - each travel insurance company has unique reimbursement and cancellation rules due to this event. So read the fine print of any travel insurance policy before purchasing.

Is travel insurance worth it?

Many customer reviews talk about peace of mind. Travelers didn't have to use travel insurance, but they're so glad they had it. Occasionally, travelers must file a claim for lost luggage, medical or hotel expenses, and more. This is the true test of value for travelers' insurance.

When travel insurance companies have online claims processing, phone or chat-based customer support, and pay claims quickly based on purchased plans, it's worth it. However, when the claims process is overly burdensome, taking weeks or even months, the value of travel insurance may not be as clear.

The adage "you get what you pay for" applies when shopping for the best travel insurance companies. The more you're willing to spend, the more comprehensive your travel insurance coverage can be. Trusted providers also offer faster claims and better customer service. Insider recommends comparing at least three quotes to find competitive rates and high customer satisfaction ratings to cover your next trip.

Travel Insurance Rates FAQs

How much does travel insurance typically cost.

Travel insurance rates through most providers fall between 4% and 8% of the total trip cost. Like the cost of flights, cruises, etc., rates may vary substantially based on the season, your original location, your destination, and other factors.

Does travel insurance cover COVID and political events?

Travel insurance covers the unpredictability of life, and this could include larger incidents like the COVID pandemic, political unrest, or large winter storms along with more common issues like lost luggage and unexpected accidents while on the road.

How do I buy travel insurance?

You can buy travel insurance online through provider websites. We recommend going through broker sites like Squaremouth to get multiple quotes for easy comparison online.

What travel insurance coverage do I need?

Travel insurance should make sense for your travel plans. The higher your travel costs, the more coverage you'll want. Basic cancellation and medical coverage are essential for big trips. If you plan to travel in the US, you should consider extra auto protection. Depending on the company, you may also find niche options like sports equipment and pet insurance.

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Ubezpiecz podróż kompleksowo! Wybierz najlepszą polisę i ciesz się z wakacji

Ubezpiecz podróż, a my zapewnimy ci bezpłatną rankopomoc prawną, porównaj ubezpieczenia podróżne, sprawdź zakres ochrony związanej z pandemią covid-19.

Leczenie chorego

Pokrycie kosztów testu

Przedłużony pobyt opiekuna z powodu zachorowania dziecka

Izolacja - Przedłużony pobyt z powodu pozytywnego wyniku testu: Zakwaterowanie i wyżywienie

Izolacja - Przedłużony pobyt z powodu pozytywnego wyniku testu: Transport powrotny

Kwarantanna - Przedłużony pobyt z powodu odosobnienia wynikającego z kontaktu z osobą chorą: Zakwaterowanie i wyżywienie

Kwarantanna - Przedłużony pobyt z powodu odosobnienia wynikającego z kontaktu z osobą chorą: Transport powrotny

3 kroki do zakupu dobrej polisy turystycznej

Wypełnij formularz.

Wypełnij dane w kalkulatorze. Wprowadź informacje dotyczące celu, charakteru i kierunku podróży. Dzięki temu wyświetlone oferty będą dopasowane do Twoich indywidualnych potrzeb.

Porównaj oferty

Porównaj oferty. Nasz ranking przedstawia zarówno cenę, jak i zakres danego ubezpieczenia. Szczegóły interesujących Cię produktów zostaną przesłane na Twój adres e-mailowy.

Uzupełnij swoje dane i opłać składkę za pomocą wybranej metody płatności internetowej. W ciągu 15 minut na Twój adres mailowy zostanie przesłany dokument polisy w formie PDF.

Współpracujemy z wiodącymi Ubezpieczycielami

Dlaczego warto porównać ceny i kupić polisę turystyczną w rankomat.

Co warto wiedzieć o polisach turystycznych?

Przede wszystkim należy dokładnie ocenić własne potrzeby oraz charakter samego wyjazdu. Na typowo turystyczną wycieczkę przeważnie wystarczająca jest polisa standardowa. Jeśli planujesz uprawiać sporty podwyższonego ryzyka lub sporty ekstremalne, sprawdź czy polisa obejmuje  rozszerzenia zapewniające pokrycie kosztów ratownictwa i hospitalizacji, a także ochronę sprzętu sportowego przed kradzieżą, zgubieniem lub zniszczeniem.  

Polisa turystyczna powinna gwarantować pokrycie wszystkich wydatków związanych z koniecznością udzielenia pomocy medycznej. Zaliczamy do nich m.in koszty leczenia ambulatoryjnego, hospitalizacji i transportu ubezpieczonego do kraju. Innym ważnym aspektem jest dopasowane ubezpieczenie od następstw nieszczęśliwych wypadków (NNW) , zapewniające wypłatę świadczeń w przypadku trwałego uszczerbku na zdrowiu. 

Przy wyborze ubezpieczenia warto również zwrócić uwagę na dodatkowe elementy polisy turystycznej. Może być to np. ubezpieczenie bagażu i sprzętu sportowego, OC sportowe czy krótkoterminowe ubezpieczenie samochodu na czas podróży. Należy pamiętać o zapoznaniu się  Ogólnymi Warunkami Ubezpieczenia - w dokumentach opisane są wyłączenia z ochrony ubezpieczenia, co może mieć istotny wpływ na ewentualną wypłatę świadczeń.   

Aktywne uprawianie sportu nierozłącznie związane jest z podwyższonym ryzykiem wypadku. Dlatego standardowy zakres polis nie obejmuje ochroną sportów wysokiego ryzyka i ekstremalnych. Zaliczamy do nich m.in. nurkowanie, surfing, baloniarstwo czy żeglarstwo oceaniczne. Zwolennicy aktywnego wypoczynku powinni przed zakupem polisy zapoznać się wcześniej ogólnymi warunkami ubezpieczenia i dostosować zakres oferowanej ochrony do własnych potrzeb oraz dokupić stosowne rozszerzenie, zgodnie z klasyfikacją sportów indywidualnie przygotowaną przez każdego ubezpieczyciela. Porównanie cen i zakresów polis turystycznych umożliwia kalkulator ubezpieczeń podróżnych .

Decydując się na zakup ubezpieczenia turystycznego skorzystać można z szeregu dobrowolnych rozszerzeń, pozwalających precyzyjnie dopasować ochronę do indywidualnych potrzeb. Zalecanym dodatkiem do polisy turystycznej jest ubezpieczenie od odpowiedzialności cywilnej w życiu prywatnym, zapewniające odszkodowanie dla osób trzecich w przypadku umyślnej szkody na osobie lub mieniu.

Podróżujący samolotem, mają także możliwość zakupu ubezpieczenia na wypadek ewentualnego opóźnienia lotu oraz zagubienia bagażu przez linie lotnicze. Warto także pomyśleć o assistance zapewniającym informacyjne, prawne i organizacyjne wsparcie ubezpieczyciela na czas podróży. Może być to np. pomoc tłumacza, wskazówki w razie kradzieży, organizacja pobytu dla najbliższych na czas hospitalizacji.

Ostateczna cena polisy uzależniona jest także od  docelowego miejsca i charakteru wyjazdu, długości pobytu, wybranego zakresu ochrony oraz ewentualnych dodatków. Wysokość składki sprawdzić można korzystając z naszego kalkulatora ubezpieczeń podróżnych . Uzupełnienie formularza zajmuje nie więcej niż kilka minut. 

Przyjmuje się, że na terenie Europy suma ubezpieczenia  powinna być nie mniejsza niż 20 000 euro zakładając typowo turystyczny pobyt. Podróż poza Stary Kontynent pociąga za sobą konieczność zwiększenia sumy gwarantowanej. Dotyczy to głównie w takich krajów jak USA, Kanada czy Australia, gdzie koszty leczenia są szczególnie wysokie. Warto każdorazowo dopasować wysokość sumy gwarantowanej do kosztów leczenia obowiązujących w danym kraju oraz do długości pobytu. Nie należy zapominać także o opłatach towarzyszących ewentualnej akcji ratowniczej.

EKUZ, czyli Europejska Karta Ubezpieczenia Zdrowotnego , działa tylko na terenie Unii Europejskiej i państw należących do EFTY (Europejskie Stowarzyszenie Wolnego Handlu). Karta nie zastępuje ubezpieczenia turystycznego, zapewniając wyłącznie minimalny zakres pomocy medycznej. Refundowane są tylko niezbędne działania podejmowane w celu ratowania życia, przeprowadzane w placówkach działających w ramach systemu publicznego. 

Warto mieć na uwadze, że w niektórych krajach EKUZ nie obejmuje skutków uprawiania sportów ekstremalnych. W żadnym wypadku nie należy liczyć także na pokrycie kosztów związanych z transportem poszkodowanego do kraju. Za większość usług posiadacz EKUZ musi zapłacić z własnej kieszeni, dlatego warto zadbać również o ubezpieczenie. Dopiero taki duet gwarantuje pełne wsparcie podczas podróży zagranicznej.  

Artykuły i porady dotyczące ubezpieczeń turystycznych

Majówka 2023 w polsce - gdzie na majówkę kiedy majówka 2023, ubezpieczenie turystyczne itaka - czy wystarczy na wycieczkę, ubezpieczenie turystyczne tui - czy wystarczy na wycieczkę, ubezpieczenie turystyczne w alior banku – co warto wiedzieć, piękna nasza polska cała. 11 wyjątkowych miejsc, w 15 lat dookoła świata. jak podróżowaliśmy w ostatnich latach, najpiękniejsze zamki w polsce. 12 zamków, które musisz zobaczyć, ubezpieczenie sportowe – co powinno zawierać, ubezpieczenie biletu lotniczego. co to jest i ile kosztuje, gdzie tanio na wakacje, staycation. nie uwierzysz, że tak możesz spędzić urlop, mówią, że możesz liczyć na rankomat.pl.

rankomat.pl Najlepiej oceniana porównywarka ubezpieczeniowa w Polsce według ocen w Google z dnia 07.07.2021

Podana składka 20 zł lub 2,50 zł (wyliczona na dzień 31.05.2023r.) dotyczy ubezp. wyjazdu dla 1 osoby, wyliczona łącznie dla 4 osób na 8 dni (łącznie 80 zł) do kraju europejskiego. Nie obejmuje ona uprawiania sportów wysokiego ryzyka, pracy fizycznej, chorób przewlekłych. Najkrótszy okres, w którym rozpoczyna się ochrona to 4 godziny od chwili zakupu polisy.  Różne Towarzystwa Ubezpieczeniowe mogą stosować zmienne zapisy dotyczące momentu rozpoczęcia ochrony. Na kwotę składki ma wpływ wiele indywidualnych zmiennych, Twoja składka może różnić się od wskazanej Zapoznaj się ze szczegółami oferty przed zakupem polisy.

Podana składka 19 zł (wyliczona na dzień 31.05.2023r.) dotyczy ubezp. wyjazdu dla 1 osoby, wyliczona łącznie dla 2 osób na 8 dni (łącznie 304 zł) do USA. Nie obejmuje ona uprawiania sportów wysokiego ryzyka i pracy fizycznej. Najkrótszy okres, w którym rozpoczyna się ochrona to 4 godziny od chwili zakupu polisy. Różne Towarzystwa Ubezpieczeniowe mogą stosować zmienne zapisy dotyczące momentu rozpoczęcia ochrony. Na kwotę składki ma wpływ wiele indywidualnych zmiennych, Twoja składka może różnić się od wskazanej Zapoznaj się ze szczegółami oferty przed zakupem polisy.

Podana składka 3,50 zł (wyliczona na dzień 31.05.2023r.) dotyczy ubezp. wyjazdu dla 1 osoby, wyliczona łącznie dla 2 osób na 8 dni (łącznie 56 zł) do Turcji. Nie obejmuje ona uprawiania sportów wysokiego ryzyka i pracy fizycznej, chorób przewlekłych. Najkrótszy okres, w którym rozpoczyna się ochrona to 4 godziny od chwili zakupu polisy.  Różne Towarzystwa Ubezpieczeniowe mogą stosować zmienne zapisy dotyczące momentu rozpoczęcia ochrony. Na kwotę składki ma wpływ wiele indywidualnych zmiennych, Twoja składka może różnić się od wskazanej Zapoznaj się ze szczegółami oferty przed zakupem polisy.

Podana składka 3,12 zł (wyliczona na dzień 31.05.2023r.) dotyczy ubezp. wyjazdu dla 1 osoby, wyliczona łącznie dla 4 osób na 8 dni (łącznie 100 zł) do niektórych krajów poza Europą. Nie obejmuje ona uprawiania sportów wysokiego ryzyka i pracy fizycznej, chorób przewlekłych. Najkrótszy okres, w którym rozpoczyna się ochrona to 4 godziny od chwili zakupu polisy.  Różne Towarzystwa Ubezpieczeniowe mogą stosować zmienne zapisy dotyczące momentu rozpoczęcia ochrony. Na kwotę składki ma wpływ wiele indywidualnych zmiennych, Twoja składka może różnić się od wskazanej Zapoznaj się ze szczegółami oferty przed zakupem polisy.

Podana składka 11,62 zł (wyliczona na dzień 31.05.2023r.) dotyczy ubezp. wyjazdu dla 1 osoby, wyliczona łącznie dla 4 osób na 8 dni (łącznie 371,84 zł) do Japonii, Kanady, Australii i Singapuru. Nie obejmuje ona uprawiania sportów wysokiego ryzyka i pracy fizycznej, chorób przewlekłych. Najkrótszy okres, w którym rozpoczyna się ochrona to 4 godziny od chwili zakupu polisy.  Różne Towarzystwa Ubezpieczeniowe mogą stosować zmienne zapisy dotyczące momentu rozpoczęcia ochrony. Na kwotę składki ma wpływ wiele indywidualnych zmiennych, Twoja składka może różnić się od wskazanej Zapoznaj się ze szczegółami oferty przed zakupem polisy.