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Get a health insurance essential and urgent healthcare quickly and easily using our on-line calculator, main benefits and coverage.

Comprehensive health care insurance KOMPLEX It is intended for foreigners who are permanently staying in the territory of the Czech Republic and are not participants in public health insurance. It can also be used to extend the stay.

• outpatient and inpatient health care
• preventive care
• dispensary care
• emergency care and rescue services
• prescription drugs
• transportation of the sick
• repatriation of the insured or transport of mortal remains

Comprehensive health care insurance KOMPLEX+ It also extends insurance protection to professional athletes or clients who participate in publicly organized competitive sports activities, matches or races, including preparation for them.

Comprehensive health care insurance KOMPLEX2 It also extends insurance coverage to women who are planning childbirth.

• health care costs related to pregnancy and childbirth
• the cost of postnatal healthcare for a newborn up to the first 14 days of his life
• the waiting period for pregnancy and childbirth does not apply

Necessary and urgent care Insurance BASIC It is intended for foreigners who apply for a visa at a Czech embassy abroad or arrange insurance in the Czech Republic. However, it cannot be used to extend the stay.

• Emergency care and rescue services
• transportation to a medical institution
• determination of diagnosis and treatment procedure
• urgent and necessary medical procedures, including necessary medicines and medical supplies
• treatment in hospital

The insurance serves as proof of travel health insurance for foreigners during a stay of more than 90 days according to Act 326/1999 Coll., on the stay of foreigners in the territory of the Czech Republic, as amended.

Supplementary insurance options

Besides the UNIQA health insurance for foreigners, you can order a complementary insurance.

Additional liability insurance

covers property damages or health injuries, for example when another person’s things are broken, the neighbor’s property is flooded, injuring a fellow player during sports

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Private UNIQA health insurance for foreigners covers healthcare costs according to the range of the insurance selected, foreigners’ second stay, and according to the health service provider. It fulfills the condition of law no. 326/1999 Coll.

Contractual medical facilities - please contact the assistance servise + 420 234 280 234

Do you have questions about the UNIQA’s insurance? Write us an e-mail [email protected], and we will get back to you.  

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11 Best Travel Insurance Companies in June 2024

Sean Cudahy is a freelance reporter specializing in coverage of airlines, travel, loyalty programs and public policy. A journalist of nine years, Sean most recently served as a general assignment reporter at The Points Guy, following an eight-year run as a local television news reporter. He lives with his wife and their French Bulldog outside Raleigh, North Carolina.

Giselle M. Cancio is an editor for the travel rewards team at NerdWallet. She has traveled to over 30 states and 20 countries, redeeming points and miles for almost a decade. She has over eight years of experience in journalism and content development across many topics.

She has juggled many roles in her career: writer, editor, social media manager, producer, on-camera host, videographer and photographer. She has been published in several media outlets and was selected to report from the 2016 Summer Olympics in Rio de Janeiro.

She frequents national parks and is on her way to checking all 30 Major League Baseball parks off her list. When she's not on a plane or planning her next trip, she's crafting, reading, playing board games, watching sports or trying new recipes.

She is based in Miami.

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 .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

If you don't have sufficient travel insurance coverage via your credit card , you can supplement your policies with third-party plans.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers.

Top credit cards with travel insurance

Methodology

Best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at nearly all plan levels. 

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

» Jump to the best cards with travel insurance

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Offers direct billing.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

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 a similar note...

• Overview About us

UNIQA in Europe

The UNIQA Group is one of the leading insurance companies in its core markets of Austria and Central and Eastern Europe (CEE). More than 21,000 employees and exclusive sales partners serve more than 17 million customers across 17 countries. UNIQA is the second largest insurance group in Austria with a market share of about 21 per cent. In the CEE growth region, UNIQA is present in 14 markets. In addition, insurance companies in Switzerland and Liechtenstein are also part of the UNIQA Group.

Welcome to the claim section of UNIQA pure . You can report a new claim here or see the status of an already reported claim request.

To report a claim for non "UNIQA pure" policies, please visit our standard claims page .

Please select the type of damage to report a new claim :

Medical issue / accident, how to claim online, we ask you:.

Details of your incident (time and date of incident and where it happened)

Details of what happened

Details of your bank account so we can compensate you

The documents you might be required to provide us with depending on the circumstances of your claim

Proof of travel.

A booking confirmation of your travel.

Medical treatment documentation

Documentation about treatment you received due to the incident. (i.e. Outpatient treatment report; Medical report; Epicrisis; Forensic report in case of death).

Invoices and / or receipts related to medical expenses

If you have any, a confirmation of medical expenses you purchased due to the incident.

Document of kinship

For claims relating to a relative, proof of your relationship should be provided.

Legal assistance invoices and / or legal fees

If you required a legal assistance, we ask for a confirmation of circumstances that required legal assistance and resulted in legal assistance invoices and legal fees.

The sooner we receive these, the sooner we can progress your claim.

Travel Disturbance

Details of the incident (time and date of incident)

Proof of Travel

Property irregularity report (pir).

Documentation obtained from an airline company to support loss or delay of your baggage claim (Proof of a baggage return date/ Proof or received compensation from an airline company).

Invoices and/ or receipts related to expenses

A confirmation of expenses you occurred due to the incident (i.e. in case of lost or delayed baggage).

Police report

A formal confirmation that your documents have been reported to the authorities as lost or stolen.

Depending on your circumstance - Legal assistance invoices and/ or Legal fees

A confirmation of the circumstances that required legal assistance and resulted in legal assistance invoices and legal fees.

In case of a winter sports claim - Invoices / confirmation of piste closure

A confirmation of the invoices for replacement winter sports equipment or confirmation of piste closure & receipt for lift pass.

Trip Cancellation or Emergency Return

Details of your incident (time and date of incident, and where it happened)

Depending on your circumstances - Proof of unexpected circumstances

Evidence confirming unexpected circumstances such as illness, death or a loss of employment. (i.e. Forensic report in case of death; Medical report; Labor contract termination in case of a loss of your employment).

Depending on your circumstance - Proof of travel cancellation

Confirmation of a transport company cancellation including reason and length.

Pipe Leakage

Photos of the damage

Receipts for repairs to damaged property

Receipts for replacement of damaged items, your personal id.

A copy of your personal ID to confirm your identity.

Weather Damage

Photos of damage caused

Document from the police that they were notified of the burglary.

Prosecutors report

Notification from the prosecutor's office that the investigation has been completed.

See claim status

Please login to see the progress of your reported claims.

You receive also an e-mail with every status change.

UNIQA Claims services

FAQs - Travel Claims for Reimbursement

What to do in case of a claim?

Please contact immediately (within 48 hours) our “Assistance Hotline” at CORIS BULGARIA  +359 2 90 30 110 or +359 897 33 77 07 .

If you need to make a claim under your policy, please visit our website at www.uniqa.bg within 5 working days upon return from the trip abroad. (In case of burglary notify the police, as well as the Insurer within 24 hours.)

Will I be informed of the next steps?

UNIQA will send you an e-Mail with every step during the claim process for reimbursement to keep you informed. You can also check your claim status here .

How long will it take until my claim is handled?

This is depending of the complexity of your claim. First feedback will be sent within 24 hours. On average a claim is managed in 5 working days.

How can I provide additional documents?

In case we need additional documents, you will be informed via e-Mail and asked to upload them in the claims status area.

What documentation do you need from me?

When filing a claim, we will need to see your personal ID and supporting documentation such as invoices or police reports. If you have ownership documents, that's great! But, we know that not everyone keeps their documents. For travel insurance claims please include your booking confirmation and proof of travel documents. 

How do you calculate the value of my contents during a claim?

We offer ‘replacement value’ for any destroyed, damaged, or stolen items. This means we’ll calculate the value of your item based on its current as-new market value. If the item is not available on the market anymore, we will make the calculation based on the closest analogue.

Here’s an example: Your camera has been stolen. You bought it three years ago for 300 BGN, and today, this exact model is available at a reduced price of 150 BGN. Since our job is to provide you with an exact replacement, the compensation will be 150 BGN.

How will I get paid for a claim?

Once your claim has been approved, we’ll effect a payment directly to your account that is used for premium payment or to any other bank account filled in by you in the claim form.

How fast will a claim be paid?

Our goal is for most simple contents claims to be paid almost instantly. There will be cases in which we’ll need to review the incident to approve the claim, and there will be content property claims or liability claims that may take longer to settle. For example, if some of the information we require is missing from your report, our team will need an extra time to manually assess the incident and will most likely get in touch with you for further review or inspection.

FAQs - Apartment Insurance Claims

At first place, take any immediate action to protect your property, contents from further damage, such as switching off the gas, electricity or water.

If you need to make a claim under your policy, please visit our website at within 5 working days upon becoming aware of the event. (In case of burglary notify the police, as well as the Insurer within 24 hours.)

Shall I be informed of the next steps?

UNIQA will send you an e-Mail with every step during the claim process to keep you informed. You can also check your claim status here .

In case we need additional documents, you will be informed via e-Mail and asked to upload them in the claims status.

What documentation do you need from me? Do I need to take an inventory?

When filing a claim, if you have ownership documents, that's great! But, we know that not everyone saves their documents. Tip from us: make sure to keep your documents on the more expensive stuff you buy—say 250 BGN and up. That way, we can settle your claim faster. Even if you don’t have the documents, keeping note of where and when you purchased more expensive items will help -. Please note that if you have a claim, we'll work with you to calculate adequate compensation.

Once your claim has been approved, we’ll issue a payment directly into your account that is used for premium payment or into any other bank account filled by you in the claim form.

For Every Pocket Insurance

Everything you need

What do I receive from "Insurance for Every Pocket"?

Main benefits of "insurance for every pocket", main benefits of this insurance product are listed below:, frequently asked questions, the policy premium is in one currency, and the payment will be made in another. at which rate is the payment amount calculated.

The payment amount is calculated according to the BNB fixing on the day the payment is made.

Why don't I receive the SMS with the signature code when I contract insurance online?

The reasons for not receiving an insurance signature code can be:  

1. Wrong mobile phone number submitted

2. Incorrect phone number format

3. You are abroad at the time of insurance contracting.   

In the second case, we will send you the code to the email address you submitted. If you still fail to receive the code, possible reasons could be:  1. Wrong email address submitted. 2. You have got the email in your SPAM folder. 3. Mailbox restriction.  

For further information, you can contact us by calling 0700 111 50 or by emailing at [email protected] .

Why don't I receive an email for successfully contracted online insurance?

This may be a result of an incorrect email address submitted. Alternatively, the message may have landed in your email's SPAM folder. If it is neither of these, you should contact us by calling 0700 111 50 or by emailing us at [email protected] so we can make the necessary checks.  

I would like information about the status of a policy and payments under it. Where can I find it?

You can track everything about your policy - status, paid and upcoming payments, as well as documents needed to file a claim - by registering on the myUNIQA Customer Portal at www.uniqa.bg .

I want to make a payment on an insurance policy. What are the possible payment methods?

Payments on policies can be made in one of the following ways:  

1. In a UNIQA office. You can find the office nearest you in the “ Branch Network ” menu.  2. By bank transfer to the IBAN specified in the documents received when contracting the insurance.

UNIQA INSURANCE PLC:

EUR       Payments in EUR           BG45UNCR70001525630974

USD      Payments in USD           BG81UNCR70001525631490

BGN      Payments in BGN          BG97UNCR70001525631008

BIC code - UNCRBGSF

UNIQA LIFE INSURANCE PLC:

EUR       Payments in EUR           BG83UNCR70001525635722

USD      Payments in USD           BG88UNCR70001525635729

BGN      Payments in BGN          BG56UNCR70001525636596

BIC code  - UNCRBGSF

3. Online on the UNIQA’s website . 4. By direct debit (the service is processed at the office of your serving bank). 5. By utility payment – the service is available only for customers of KBC Bank. 6. Online through the ePay.bg system.  

Regardless of your chosen payment method , do not forget to state your policy number.

Client Reviews

Today I have been served by a very polite girl in the Sofia office. It has been a long time since I have spoken to an employee who treats, answers and explains every detail of Home Insurance so carefully.

I would like to thank for the assistance and service provided by UNIQA's office in Varna. We are absolutely satisfied with the services and communication with you.

I have been visiting UNIQA's office in Varna for 8-9 years when I started using UNIQA's services.” I have always received a very professional and friendly attitude when contracting and renewing full auto insurance, third-party liability insurance, and property insurance policies.

They provided me with full assistance, both when contracting insurance and when filing a claim! This, for me, is a proper attitude towards the customer. I will renew my insurance with UNIQA!

I have insurance on the most precious thing in UNIQA – my health. I am highly satisfied with the application of electronic claim filing and the electronic submission of required documents. Correct and timely payment of indemnities. I do recommend UNIQA For Our Health Insurance.

Stara Zagora

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As Rates Rise, Majority of Homeowners Say Insurance Industry Is in Crisis: Survey

Homeowners are cutting back on dining out, travel, groceries and even medication to afford their soaring property insurance premiums. One in 10 are considering relocating to an area with lower premiums.

Within the last five years, homeowners’ insurance premiums have spiked by 34% nationwide, with 61% of homeowners reporting higher rates in the previous 12 months and over one in 10 saying their premium has doubled or more than doubled, according to Claimguide.com’s recent survey of 1,500 homeowners. Nearly one in four (23%) say they have cut back on other expenses, including dining, travel, groceries, and medications to pay for home insurance coverage.

The survey found that one in ten homeowners has increased their deductible to lower their premiums, and if given the option, one in five homeowners would risk living without coverage if it wasn’t required by their mortgage lender.

Over half of homeowners (62%) said the home insurance industry is in crisis.

Shopping for Savings

Higher prices are driving homeowners to shop, but 73% report that their options are too limited. While 31% say they have shopped in the last 12 months, 27% say they are struggling to find an affordable provider. On average, respondents reported paying $166.41 per month ($1,997 annually) for home insurance coverage.

Still, one in five plan to switch providers in the next 12 months.

Other homeowners are just hoping to hold on to coverage, with one in ten fearing their company will drop their policy within the next year.

Why Are Premiums Rising?

About 40% of homeowners blame insurance companies’ greed for rising costs, and 86% say insurance providers are using inflation as an excuse to raise premiums.

However, two-thirds agree that climate change and more severe weather events likely contribute to high premiums.

The majority (73%) believe the insurance industry should have more robust regulations.

Home Risk Versus Insurance Costs

Nationwide, more than 10.6 million homeowners live without home insurance, roughly 7.4% of homeowners.

The top five states with the most uninsured homeowners are Mississippi, New Mexico, West Virginia, Louisiana and Alabama. Hurricane-prone Florida ranks among the top 10, with one in 10 homeowners without home insurance.

Coastal states and regions are most likely to have coverage, with Washington, D.C., claiming the highest insurance rate – just 3.3% of homeowners are uninsured. Oregon (4.7% uninsured), California (4.9%), Massachusetts (5.4%), and New York (5.4%) are similarly risk averse.

Managing Costs

Rather than cutting back on living expenses or skipping homeowners’ insurance altogether, investing in home improvements to reduce insurance costs can pay off in the long run, said Gerard Reczek, a ClaimGuide.org insurance specialist.

“Roof updates to meet new wind guidelines for coastal properties and other high wind areas affords homeowners additional protection and can reduce insurance cost,” said Reczek, who has over 40 years of experience as a broker and underwriter. “Insurance companies will lower premiums and reduce wind deductibles with recommended roof construction improvements.”

Investing in home security and updating infrastructure such as wiring and plumbing are additional ways to help save. Because claims can result in higher premiums, homeowners should weigh the cost of repairing the damage out-of-pocket against their deductible before making a claim.

According to Reczek, homeowners should also review their insurance policies at least once before each renewal.

“Reviewing your insurance policy is always prudent,” said Reczek. “Understanding potential hazards and exposures to your area and home allows you to address any concerns in advance. Reading policy exclusions for flood, wind, and earthquake will direct you to policy limitations you should address. Taking ownership in policy coverage and policy exclusions should prevent any surprises after a loss.”

Topics Trends Pricing Trends Homeowners Market

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Written By Jahna Jacobson

Jahna Jacobson is an Assistant Editor for Insurance Journal Magazine.

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Reiseversicherung Rundumschutz

So sind Sie vor und während Ihrer Reise umfassend abgesichert – wenn Sie krank werden, einen Unfall haben, Gepäck verlieren oder einen Schaden verursachen

Versicherer: UNIQA Österreich Versicherungen AG, 1029 Wien, Untere Donaustraße 21. UNIQA bietet vor Abschluss einer Versicherung auch eine persönliche Beratung an.

Weshalb eine Reiseversicherung sinnvoll ist

Wenn Sie im Ausland auf Urlaub sind, sichert Sie eine Reiseversicherung finanziell ab – beispielsweise, wenn Sie vor oder während der Reise krank werden, einen Unfall haben oder das Gepäck verloren geht.

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Unsere Produkt-Highlights im Überblick

Krankenhaus-Kosten im Ausland

Medizinisch abgesichert als Privatpatient bei Krankheit oder Unfall. Gilt sowohl für stationäre als auch ambulante Behandlungen.

Nottransport und Bergung im Ausland

Übernimmt gleich direkt die Kosten für Krankenwagen, Flugzeug oder bei medizinischem Bedarf auch für den Ambulance-Jet.

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Organisiert im Notfall Hilfe im Ausland.

Arzt-Honorar

Kosten für Behandlungen als Privatpatient in einer Arztpraxis – 70 Euro Selbstbehalt.

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Wenn Sie beispielsweise mit dem Boot einen Urlauber verletzen oder beim Grillen einen Schaden verursachen, leistet die Haftpflicht. 

Reisegepäck

Abgesichert bei Diebstahl, Raub, Einbruch oder Beschädigung Ihres privaten Reisegepäcks.

Wahlweise: Stornoversicherung

Wenn Sie aus unvorhergesehenen Gründen Ihre Reise stornieren müssen, z.B. bei Krankheit, Unfall oder Sachschaden an Ihrem Eigentum.

Markierte Produkthighlights stellen nachhaltige Bausteine dar.

Das  Produktinfoblatt Reise Rundumschutz   informiert über die wichtigsten Punkte des Versicherungsvertrages im Voraus. Allgemeine Infos zu unseren Produkten rund um das Thema "Reisen" finden Sie im Reise-Guide Folder .

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Auslandskranken-versicherung.

Medizinische Hilfe im Krankenhaus, bei einem niedergelassenen Arzt sowie Rücktransprot an den Heimatort, wenn medizinisch erforderlich. 

Reisestorno-Versicherung

Wenn aus unvorhergesehenen Gründen ein Rücktritt von Ihrer Reise erforderlich ist, beispielsweise bei Krankheit oder Unfall.  

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Schützt, wenn Sie Ihren ausländischen Gast in Österreich für die Dauer seines Aufenthaltes absichern möchten. 

Folgen Sie diesem Blatt für mehr Informationen zum Thema Nachhaltigkeit.

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Typische Schadenfälle

Stornoschutz: Der Urlaub ist gebucht. Kurz vor Reisebeginn erkrankt Ihr Kind an einer schweren Grippe. Sie erhalten die Stornokosten für die gesamte Familie ersetzt, inklusive Hotel, Flug und Leihwagen.

Nottransport: Nach einem schweren Unfall im Ausland organisieren wir den medizinisch notwendigen Rücktransport nach Österreich. Die Transportkosten begleichen wir gleich direkt.

Medizinische Versorgung: In Griechenland bekommt Ihr Sohn eine Mittelohrentzündung und muss zum Arzt. Behandlungskosten und Medikamente werden ersetzt.

Reisegepäck: Das Reisegepäck geht am Flug verloren. Reisegepäck, Fotoausrüstung und Wiederbeschaffung der Dokumente werden bezahlt.

Diebstahl von Bargeld, Kredit- und Bankomatkarten im Reisegepäck. 

Durch eine Flugverspätung verpassen Sie den Anschlussflug. Kosten für eine zusätzliche Übernachtung sind nicht abgesichert. Warum: Es handelt sich nicht um Krankheit, Unfall, etc. - siehe Leistungsübersicht Hinweis: Hier haftet möglicherweise die Fluggesellschaft, je nach Grund der Verspätung.  

Kurz vor Reiseantritt trennen sich die Partner. Der Urlaub muss storniert werden. Damit Schutz besteht, müsste der Stornogrund ein Unfall, eine Krankheit oder ein Sachschaden sein.

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Ihre Reiseapotheke

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Elektroflugzeuge

Elektrische Flugzeuge existierten bislang fast nur auf dem Reißbrett. Steht eine Revolution der Luftfahrt bevor.

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Retiring soon? Consider these 6 insurance options to protect your retirement

By Angelica Leicht

Edited By Matt Richardson

Updated on: June 28, 2024 / 2:52 PM EDT / CBS News

Managing your finances in retirement can be surprisingly tricky. After all, in 2021, the average income for individuals 65 and older was $55,335 per year , according to the Bureau of Labor Statistics (BLS), while average expenses totaled $52,141 annually. This narrow margin between the average retiree's income and expenses leaves little room in the budget for unexpected costs.

Yet, retirement often brings a host of unforeseen expenses . From unanticipated healthcare needs and surprise home repairs to family emergencies, these unexpected costs can quickly derail even the most carefully planned retirement budget . But while it may not always be possible to set aside funds for every potential expense, there are ways to prepare for these financial curveballs.

One of the most effective strategies is ensuring you have the right types of insurance coverage in place. Proper insurance coverage can help mitigate the costs associated with unexpected events and protect your hard-earned retirement savings . But there are a lot of different coverage options to consider. So, what types of insurance play a crucial role in safeguarding your retirement funds against unexpected events and financial challenges? Below, we'll break down what you should know.

Find out how the right long-term care insurance policy can help protect your retirement funds .

6 insurance options to protect your retirement

Here are some of the key insurance options that can help protect your retirement savings:

Long-term care insurance

One of the biggest potential threats to retirement savings is the cost of long-term care . As we age, the likelihood of needing assistance with daily activities increases. And, long-term care insurance helps cover the expenses associated with longer-term care, whether it involves a nursing home, assisted living facility or in-home care.

Without this coverage, retirees may deplete their savings rapidly to pay for the long-term care they need , potentially leaving their spouse or loved ones in financial jeopardy. After all, the cost of a private room in a nursing home averages about $100,000 per year right now — and the cost of long-term care is only expected to increase in the future. 

But if you have the right long-term care insurance coverage in place, your policy can help pay. In turn, this type of policy can preserve your retirement assets and provide peace of mind.

Learn more about the long-term care coverage options you have in retirement .

Medicare supplemental insurance

Healthcare costs are often one of the largest expenses in retirement, making adequate health insurance coverage crucial for protecting your retirement savings. And while Medicare, which is the federal health insurance program for people who are 65 or older, can provide substantial coverage, it doesn't cover all medical expenses. 

This is where Medicare supplemental insurance , or Medigap, comes into play. Medigap policies are sold by private companies and can help pay some of the health care costs that Original Medicare doesn't cover, such as copayments, coinsurance and deductibles. Some Medigap policies also offer coverage for services like medical care when you travel outside the U.S.

There are 10 standardized Medigap plans , labeled A through N. Each plan offers a different level of coverage, allowing you to choose based on your needs and budget. And, it's important to note that Medigap policies are standardized and regulated by state and federal law, meaning the benefits are the same for any given plan letter, regardless of which insurance company sells it. You can start comparing your Medicare supplemental policy options online here .

Life insurance

While life insurance is often associated with income replacement for younger families, it can play a significant role in retirement planning and protection as well. As you enter your later years, life insurance can serve multiple purposes beyond its primary death benefit. 

For example, if you have a pension that doesn't include survivor benefits, life insurance can provide ongoing income for your spouse after your death. For those with substantial assets, life insurance can be used to pay estate taxes, ensuring that your heirs receive the full value of your estate. Or, if you own a business in retirement, life insurance can fund buy-sell agreements or provide liquidity for estate taxes.

And, there are a few different types of life insurance options to consider if you're retiring. One is term life insurance, which provides coverage for a specific period, usually 10-30 years. It's generally less expensive but expires without value if you outlive the term. There's also whole life insurance, which provides lifelong coverage and often accumulates cash value over time . The cash value can be borrowed against or withdrawn from, providing a potential source of emergency funds in retirement. 

Final expense insurance, also known as burial insurance, is another option and is designed to cover end-of-life expenses, relieving your family of this financial burden.

It's worth noting that you may also be able to add a rider for long-term care coverage to certain types of life insurance policies. This can be particularly valuable if you've been denied standalone long-term care insurance due to health issues. These hybrid policies typically allow you to access a portion of the death benefit to pay for long-term care if needed. If you don't use the long-term care benefit, your beneficiaries still receive the full death benefit. Find out more about your top life insurance options now .

While not traditional insurance, annuities are insurance products that can provide a guaranteed income stream in retirement . In turn, annuities can help protect against the risk of outliving your savings, known as longevity risk. 

There are various types of annuities to consider in retirement , including:

• Fixed annuities, which provide a guaranteed payout
• Variable annuities, which offer the potential for growth based on investment performance
• Indexed annuities, which provide returns based on a specific market index

Each type has its pros and cons, so it's important to carefully consider your options and consult with a financial advisor before purchasing an annuity. You can get started and compare your annuity options here .

Travel and international medical insurance

Many retirees look forward to increased travel opportunities after they stop working, but there can be numerous opportunities in which you face financial losses related to traveling. That's where travel insurance can come in handy . This type of coverage can help protect against financial losses from trip cancellations, medical emergencies abroad or lost luggage. 

For those planning extended trips or considering retiring abroad, international medical insurance might be worth considering to ensure access to quality healthcare wherever you go. These policies typically offer worldwide coverage, allowing you to seek treatment in any country, including your home country in many cases. 

And, unlike travel insurance , which is for short trips, international medical insurance can provide continuous coverage for months or years. Many insurers will also offer tiered plans, allowing you to choose the level of coverage you need. Options might include outpatient care, dental and vision coverage and alternative therapies. Find out more about the travel insurance options available now .

Identity theft insurance

As more of our financial lives move online, the risk of identity theft increases. And retirees, who are often perceived as having more assets or being more vulnerable to scams, can be prime targets for cybercriminals. But identity theft insurance can help, as it's designed to cover the costs associated with restoring your identity and repairing your credit if you become a victim of identity theft.

The bottom line

Insurance plays a vital role in protecting your retirement funds and ensuring financial security in your golden years. The right mix of insurance products can shield you from a wide range of risks that could otherwise derail your retirement plans. However, insurance needs can vary greatly depending on individual circumstances, including health status, financial situation and retirement goals. So, it's important to regularly review your insurance coverage as you approach and enter retirement, adjusting as needed to ensure you have adequate protection without overpaying for unnecessary coverage.

Angelica Leicht is senior editor for Managing Your Money, where she writes and edits articles on a range of personal finance topics. Angelica previously held editing roles at The Simple Dollar, Interest, HousingWire and other financial publications.

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How to decide when you need travel insurance and when you don’t

• Updated: Jun. 30, 2024, 6:12 a.m. |
• Published: Jun. 30, 2024, 6:05 a.m.

Claims by travelers over age 50 spike during the summer months. Getty Images

• Christopher Elliott | Elliott Syndicate

If you’re planning to travel somewhere this summer, you’re probably thinking of buying travel insurance.

Kingsley Hopkins is. He’s headed to Portugal and Iceland with his girlfriend, and he wants to make sure he’s covered for things like medical emergencies or trip disruptions, “or if a volcano erupts,” he says.

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How to Get a Travel Insurance Quote: A Guide by Squaremouth

Last Updated: June 28, 2024 June 28, 2024

Travel insurance is vital to any trip, offering peace of mind and financial protection against unforeseen circumstances.

Knowing where to begin can sometimes feel overwhelming. Squaremouth is here to help you through the process, explain what information you need, and tell you what to expect from your quote results so that you can make an informed decision.

What is Travel Insurance?

Think of travel insurance as a safety net for your trip. It’s designed to reimburse you for any losses or unused expenses if something unexpected happens before or during your adventure. Travel insurance coverage is divided into two main categories:

• Pre-departure: The period before you leave home.
• Post-departure: The time after you’ve set off on your journey until you return home.

Whether you’re traveling domestically or internationally, travel insurance has you covered. Coverage before your trip and after you depart typically can include trip cancellation, interruption, trip delay, baggage loss or delay, and emergency medical and medical evacuation.

Getting a travel insurance quote will help you understand the costs and coverage options available, making it easier to find the best protection for your travel plans.

What is a Travel Insurance Quote?

A travel insurance quote is essentially an estimate of what you’ll pay for a travel insurance policy based on your travel details and the coverage you need. Exploring quotes is a quick and easy way to compare policies and pick the provider and policy that best fits your needs, trip, and budget.

Information Required for a Travel Insurance Quote

When you start a travel insurance quote from Squaremouth, you’ll need to provide the following details:

• Traveler Information: Simply provide your age, residence, and citizenship..
• Trip Details: Destination, travel dates, and the total cost of the trip.
• Coverage Preferences: Specific coverage needs, such as higher medical limits or coverage for adventure sports.

Pro Tip: Your honesty and thoroughness when getting a quote is crucial. It ensures you receive the correct quote and proper coverage for your specific trip. Otherwise, if you need to file a claim, you could risk having it denied or receiving inadequate coverage.

What to Expect in Quote Results

After submitting your information, you will receive a thorough and detailed travel insurance quote for all available policies, providing you with a clear understanding of tricky terms, coverage, and cost, so you can evaluate what is best for you.

• Premium Cost: The total cost of the policy is influenced by factors like trip duration, destination, traveler age, and chosen coverage options.
• Coverage Summary: A detailed list of the coverage provided, including limits for medical expenses, trip cancellation, baggage loss, and more.
• Policy Terms and Conditions: The fine print of the policy, including exclusions, limitations, and claim procedures.
• Optional Add-Ons: Additional coverage options are available for an extra cost.
• Provider Contact Information: Contact the travel insurance provider for questions or to purchase the policy.

Tips for Getting the Best Travel Insurance Quote

Now, you’re ready to get a quote. Getting a travel insurance quote with Squaremouth is simple. Here’s how you can do it using our compare tool.

• Compare Multiple Providers: Using the Squaremouth comparison tool, you can evaluate quotes from different providers. Be sure to consider and consider other sources that may provide coverage, such as your airline, cruise line, or credit card.
• Read Reviews: Check customer reviews and ratings to gauge the provider’s customer service and claims handling.
• Understand the Coverage: This is crucial. Ensure you know what is covered and what isn’t, paying close attention to exclusions and limitations. This knowledge will help you make an informed decision and avoid any surprises during your trip.
• Tailor Your Coverage: Search for coverage based on your specific needs, especially if you engage in high-risk activities.
• Ask Questions: Contact Squaremouth’s customer service if you have any doubts or need further clarification.

Our Promise to You

Getting a travel insurance quote is essential to protecting your well-earned trip. That’s why we’re dedicated to creating a simple, streamlined process so you can make the best decision without the endless search.

Most policies are comprehensive, offering a range of benefits before and after departure, but not all of them, so check out our compare tool to help you.

By comparing quotes, reading reviews, and tailoring your coverage, you can ensure you get the best travel insurance policy for your needs. And if you run into any trouble, our team is available to help.

Visit Squaremouth today to get a travel insurance quote and travel with confidence.

How does single trip travel insurance work?

Who needs single trip travel insurance.

• Choosing travel insurance

Purchasing single trip travel insurance

Single trip travel insurance frequently asked questions, what is single trip travel insurance.

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• Single trip travel insurance covers unexpected costs incurred during a trip.
• Compared to annual travel insurance, single trip insurance is more flexible and comprehensive. 
• Premiums are based on trip costs, usually between 4% to 8%, but CFAR coverage may increase costs.

No matter the asset, protecting your investments via insurance is a proven means of providing coverage against financial loss. On par with homeowners, automobile, and life insurance, travel insurance is a proactive means of preparing for the uncertainties of travel, from flight delays and cancellations to lost luggage and medical emergencies.

The best travel insurance plan meets your specific needs. Single trip insurance protects one specific trip, offering the flexibility to tailor your insurance to your travel plans. If you're taking one large trip, perhaps your dream vacation, single trip insurance can protect your investment and provide peace of mind before, during, and after takeoff.

Single trip travel insurance covers unexpected additional expenses while on a trip. Often used interchangeably with traditional travel insurance, single trip travel insurance is the most popular type of insurance policy purchased by travelers in the US. Among its many benefits, this basic travel coverage is flexible, cost-effective, and comprehensive. 

Compared with annual travel insurance coverage (which covers multiple excursions to and from home within a specified period and comes with a cap), traditional policies cover a range of unforeseen events and emergencies leading up to (and for the duration of) your trip. Single trip travel insurance cost is typically a percentage of your trip costs, anywhere from 4% to 8% of your trip's total cost

Coverage options in single trip policies

Travel insurance covers unexpected financial losses while traveling. This can include inconveniences that happen throughout a trip, like lost baggage, missed connections, and travel delays. For example, travel insurance can cover meals purchased at the airport after your flight has been delayed for a certain amount of time.

However, travel insurance is especially helpful when more serious incidents occur. For example, travel insurance will cover non-refundable deposits in the case of an unexpected trip cancellation, as long as your trip was canceled for a covered reason.

Additionally, medical emergency insurance is particularly helpful when traveling abroad, where US-based health insurance usually can't help you. Depending on your policy, travel insurance can cover hospital room and board, prescription medicine, and even surgeries. It may also pay for medical evacuations and repatriations.

Additional coverage options

Most insurance providers will provide additional coverage options if you're looking for something more specific. For example, if you're traveling to a destination for extreme sports like skydiving, you can add adventure sports coverage to your policy.

You can also add Cancel For Any Reason to your policy, if you think you may cancel your trip for an uncovered reason, like fear of flying. However, you will need to be mindful of when you purchase travel insurance, CFAR is only available if you purchase travel insurance within two to three weeks of placing a deposit on your trip. You can find our guide to the best cancel for any reason travel insurance here.

Traditional travel plans are typically designed for the leisure traveler. In other words, vacationers who want to protect against unexpected, sometimes catastrophic financial losses related to an upcoming vacation pay a small fee relative to trip costs.

"The typical travel insurance buyer is someone who can't afford to lose non-refundable trip deposits such as for a cruise or vacation rental if forced to cancel [a vacation] for a covered reason," says Carol Mueller , vice president of Berkshire Hathaway Travel Protection . "It is also for the vacationer concerned about medical emergencies or medical evacuations [while away from home] that could cost thousands of dollars and [are] not covered by a health insurance plan."

However, if you have multiple trips coming up within a 365-day, annual travel insurance may be worth a look. While a single trip policy will end when you return home, annual travel insurance will cover any trips you take over a year.  

Choosing the right single trip policy

Since it can be overwhelming to sift through the myriad options available, Jones offers some tips to help travelers make the right decision when choosing travel insurance coverage:

Think about your needs: Consider the kind of trip you are taking and the activities you're planning. If you're traveling for a sports trip, you may want extra protection for your sports equipment. But it's often simpler. For example, you'll need travel medical insurance for emergencies as your standard health insurance probably won't cover you abroad.

Compare policies: Compare policies from multiple providers to find one meeting your needs and budget. Look for policies with comprehensive coverage for unforeseen events such as medical emergencies and trip cancellations. You can see which is more affordable when you have similar plans side-by-side. Just don't forget to account for any differences to get the most competitive pricing.

Read the fine print: Make sure you understand any exclusions or limitations before purchasing a policy. Some coverages, like cancel for any reason travel insurance, may have a time limit, but the coverage should be straightforward. Other cancellation coverage will most likely have important exclusions you should know.

Consider preexisting conditions: If any travelers in your party have preexisting medical conditions, ensure the policy you plan to purchase covers them. You may have to pay extra, but it will cost you a lot less than trying to find essential medications while you're on the road, especially if you're traveling internationally.

Look for customer reviews: Check customer reviews to see how other travelers have fared with the policy and provider. You can use sites like Trustpilot, ConsumerAffairs, and the BBB.

Purchase early: It's important to secure coverage at the same time you book your trip, as some coverage may only be available within a specific timeframe. Like your plane tickets and other travel arrangements, you may qualify for lower rates or discounts if you buy early.

Finally, planning to swipe a family vacation off your bucket list? Investing in travel insurance is the smart and savvy way to ensure you eventually reach your destination (financially) unscathed, despite any minor derailments.

"You can't predict what can go wrong before you leave for, or even [what transpires] during your vacation. That's why it makes sense to consider purchasing a comprehensive, traditional plans protect you against financial losses you never thought would happen," says Mueller.

While you can insure any trip, single trip travel insurance is best for long, expensive, or international trips. It's best to buy insurance shortly after booking your trip, ideally within two weeks of placing the deposit on your trip. 

Hundreds of plans offer similar coverages and benefit limits. Working with a certified insurance professional is the easiest way to cut through the hundreds of similar plans, find a quite, and purchase the plan best suited to your trip based on travel mode, trip cost, family presence, and more. 

After all, even the best-laid plans (and most detail-oriented itineraries) are subject to change due to unforeseen circumstances. While myriad travel-related details lie within your control, like when you go and where you stay, a few unpredictable variables will always remain. Proper insurance coverage might be the solution to anticipating all of them and ensuring a smooth journey one step at a time.

While single trip insurance is often more valuable for trips that are longer and international, insurance for domestic trips can be beneficial if they involve non-refundable expenses.

Yes, single trip policies can include multiple destinations within one trip, as long as all destinations are included in the policy.

You should purchase single trip insurance soon after booking your trip to qualify for benefits like CFAR policies and pre-existing condition waivers . Additionally, if your trip gets canceled before you can purchase travel insurance, you may not get your money back.

Most single trip insurance policies cover cancellations due to illness without the need for CFAR insurance, but it's important to check the specific terms of your policy.

While policy extensions are possible, rules depend on your insurer. Additionally, there may be a limit on how long you can extend your policy. 

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