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Squaremouth Travel Insurance Review — Is It Worth It?

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Squaremouth Travel Insurance: Positives

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Part of planning for your next vacation should include asking yourself, “What if something goes wrong?” Your answer to that question likely includes shopping for travel insurance.

Choosing the right policy can reduce your out-of-pocket expenses if you have delays, cancellations, or injuries. But how do you choose from the overwhelming number of travel insurance policies available? Enter Squaremouth : a website that provides travel insurance reviews and comparisons to help you shop for your next policy.

Squaremouth doesn’t provide insurance. Instead, it helps you shop for insurance. That can be a great starting point, but there are other elements you should understand before selecting and paying for a policy. Choosing the right policy, even on a comparison page like Squaremouth, can take considerable time and effort.

Here’s a look at the positives and negatives of Squaremouth and how shopping for a policy works at Squaremouth.

• Provides comparisons of coverage and prices across dozens of insurance providers
• Makes it easy to add favorites or choose items to compare in detail
• Has a zero-complaint guarantee

Rather than comparison shopping on individual travel insurance websites, you can do it all on Squaremouth’s website . You’ll see prices across numerous providers and multiple plans from these providers. It’s the best free tool to start looking for insurance across the many possible plans you could buy.

When shopping for plans, you can select your favorite providers, which Squaremouth remembers for the future to help you efficiently compare plans the next time you shop on Squaremouth’s site.

Squaremouth has a “ zero-complaint guarantee ,” promising fair adjudication of your travel insurance claim if you buy a policy through its marketplace. While Squaremouth doesn’t provide insurance, it will take a second look at your claim and ensure it’s resolved correctly. The website describes this policy as follows:

“If your claim has been denied and you believe the determination was made unfairly, our team of licensed claims adjusters will investigate your case and mediate with the provider on your behalf. If the complaint is not resolved to Squaremouth’s satisfaction, we will remove the provider from our website and stop selling their policies.”

Contrary to the name of the policy, the company can’t guarantee there are no complaints. Still, it can advocate for you if you have problems with your insurance provider after buying a policy through Squaremouth’s platform.

Squaremouth Travel Insurance: Negatives

• It’s not an insurance provider and doesn’t sell travel insurance policies
• There are mixed reviews from customers, mostly related to customer service
• It doesn’t provide coverage details or exclusions in the comparison charts

Squaremouth isn’t an insurance provider and doesn’t directly sell or underwrite travel insurance. Having “Squaremouth travel insurance” is impossible since Squaremouth is a comparison website — not a policy provider. As a comparison marketplace, Squaremouth lets you compare policies and costs from multiple providers. In this regard, you aren’t buying travel insurance from Squaremouth but are using Squaremouth to find travel insurance.

It may help to think of Squaremouth the way you think of Expedia: You shop for flights on Expedia, but Expedia isn’t the airline you’re flying with.

Squaremouth functions as an intermediary, and many of the negative reviews of Squaremouth involve this aspect. Squaremouth can’t process your claim or explain your coverage since it’s not your provider. To be fair, some complaints also appear to misunderstand that Squaremouth isn’t the insurance provider. You’ll need to contact your policy provider for policy questions.

Additionally, some reviews complain that Squaremouth’s customer service lacks quality and availability. It has limited online chat hours and requires an email outside those times. Some customers say responses to emails are slow and aren’t helpful. However, reviews of the Squaremouth insurance marketplace don’t necessarily indicate how good or bad the providers and plans it sells are.

When comparing travel insurance providers on Squaremouth, the exact details of a policy aren’t elaborated .

You may see that Company A offers $100,000 of emergency medical benefits while Company B offers $75,000. It sounds like Company A would be better, but that can’t be confirmed without a full analysis of the policy terms. Those elements aren’t made clear when comparing policies on Squaremouth, so you’ll have to use this only as a starting point before making a final selection and paying for a policy.

You should visit the provider’s website after finding a plan that sounds good on Squaremouth’s site and price out your trip. Look for inclusions/exclusions, and ensure this is the right policy for your trip.

Squaremouth has a dedicated page discussing COVID-19-related coverage on the policies available through its marketplace. Most policies cover trip cancellations, costs from quarantines, and other pandemic-related expenses , but how they do that and what expenses (or how much) can be reimbursed will vary by policy.

When reading a policy’s coverage details before buying, you can find detailed explanations. You also can use the Squaremouth page to reference current entry restrictions in various countries you might want to visit.

Some policies have unique inclusions that others don’t — such as money you lose when a destination wedding is canceled (offered by WorldTrips ) — and most policies provide add-on services for extra costs. These will cover things like extreme sports, turning your medical coverage into primary coverage, or “cancel for any reason” (CFAR) coverage . It’s important to know what’s included, what’s not, and how much it will cost to add these extras. You may fare better paying for a more robust policy than buying a bargain policy and adding numerous extras .

“You get what you pay for” tends to be true when comparing insurance plans from the same provider. More expensive plans will include more coverage types and higher maximum payouts in coverage categories. However, that saying isn’t necessarily true when comparing costs between travel insurance providers .

That’s where Squaremouth comes in, allowing you to compare travel insurance across providers , filter for what you want or don’t want, and see how similar policies stack up against each other for coverage and pricing.

To better understand the comparisons Squaremouth provides, it helps to understand the most common travel insurance categories. This way, you’ll know what these insurance benefits are and which ones are important for you.

• Cancel for Any Reason (CFAR) Coverage: Usually an add-on for most travel insurance companies , it covers cancellations outside other coverage types. However, it doesn’t cover everything and every reason you might cancel a trip, so be sure to understand the specifics.
• COVID-19 Coverage: If you or a traveling companion test positive for COVID-19 and need to quarantine, cancel a trip, or miss a flight, your expenses or losses can be covered. Ensure you understand how your policy treats COVID-19 because some require separate coverage while others include it as part of the medical coverage.
• Pre-existing Medical Conditions: Your current medical conditions may be covered if you buy a plan within certain timelines. Otherwise, look-back periods tend to apply.
• Trip Cancellation Insurance: You’ll receive reimbursement for prepaid, non-refundable costs if you cancel a trip for one of the covered reasons in your policy.
• Trip Interruption: Once your trip starts, this coverage goes into effect, and can reimburse non-refundable costs from lost parts of your trip. It also can cover expenses to catch up with your trip, such as a tour that has already departed, if there are delays for covered reasons.
• Trip Delay: You can be reimbursed for transportation, meals, and other expenses you incur due to delays. Timelines for when this coverage begins will vary by plan.
• Baggage Loss or Damage: Your lost, damaged, or stolen baggage — including the items inside, with some exceptions — will be covered. Some policies are primary, while others are secondary.
• Baggage Delay: You can be reimbursed for reasonable costs you incur when your luggage is delayed. The waiting period for when your coverage kicks in will vary by plan.
• Emergency Medical and Dental: Illnesses and injuries are covered during your trip, plus the resulting expenses. It also can cover deductibles or unpaid expenses from your health insurance provider since this coverage is usually secondary.
• Emergency Assistance and Transportation: If adequate healthcare isn’t available nearby, you can be evacuated to an appropriate facility. If you die during your trip, this policy covers bringing your remains to the U.S. or paying for local burial costs.
• Accidental Death and Dismemberment: This coverage provides payments if you lose your life, a limb, or eyesight during a trip. If you die, the benefit payment goes to your designated beneficiary.
• Rental Car Damage: You’ll be covered for collision damage, theft, vandalism, natural disasters, or damages for reasons beyond your control. Some vehicle types, such as luxury cars, are excluded from most policies, but coverage should apply to all drivers listed on your rental agreement. Coverage is up to the cash value of the car or the cost of repairs and related expenses — whichever is less. Certain countries may be excluded from the policy, so check the details.

Sometimes, understanding what’s not included may be more important than a list of benefits or choosing the lowest offer when looking at Squaremouth travel insurance reviews and prices.

Why? Exclusions are built into every insurance benefit , so you should review the details. Insurance terminology isn’t fun, but it’s essential to understand whether your trip — destination, dates, activities, and health conditions — will be covered. The only thing worse than not having travel insurance for your trip is paying for travel insurance that doesn’t cover your trip.

Common exclusions include injuries sustained while intoxicated and medical emergencies related to pregnancy . You also aren’t covered when flying a plane, hang-gliding, bungee jumping, or participating in extreme sports unless you get a particular policy with add-ons for those activities.

Most policies also exclude war zones and areas with ongoing hostilities . This could include places like Ukraine and Sudan and areas with travel safety warnings like Syria or Iran. Ensure you read your policy details to confirm it covers your intended destination.

How Much Does Squaremouth Travel Insurance Cost?

Buying travel insurance from Squaremouth costs the same as buying it directly from the insurance provider. There are no markups or fees for buying on Squaremouth’s website instead of buying directly from an insurance provider, such as Seven Corners or Generali Global Assistance .

You can search for several types of insurance from the Squaremouth home page. You can start in 1 of 2 ways: Click on the different types of policies or enter your trip information . The policy types (as seen above) can be found under the policy search widget on the home page:

You’ll see options for single-trip policies (most common), multi-trip or annual policies, cruise-specific policies, and policies geared toward adventure or extreme sports.

If you fill out the information on the home page, providing dates and destinations , the second page will ask for information about the traveler(s) to be covered:

Page 3 asks about trip costs , when you made your first deposit, and whether you have remaining payments. There’s also a yes/no option for cancellation coverage related to your trip costs:

From here, you’ll see a list of results. My search returned 88 policies, sorted by the providers with the best review scores. You can filter your results in several ways:

• Popular Filters: The most popular filters are listed here for easy access. These include COVID-19 coverage, CFAR, trip interruption, trip delay, medical evacuation, and pre-existing medical conditions.
• Preset Filters: Limit your searches to policies covering cruises, COVID-19, and policies that meet the requirements to apply for a Schengen Visa.
• Reviews: Filter by insurance provider ratings, ranging from 1 star or more to 5 stars .
• Cancellation: Here, you can select trip cancellation reasons that you want to cover with your policy, such as hurricanes, terrorism, financial default of your travel company, losing your job, or other work-related issues.
• Medical: You can filter for policies providing primary medical coverage, coverage for pre-existing conditions, emergency medical benefits, and even the deductible amount you want your policy to include.
• Evacuation: You can filter for policies that include medical and non-medical evacuation.
• Loss or Delay: Find coverage that includes reimbursement for bagage loss, baggage delay, trip delay, quarantine extension, or missed connections during your trip.
• Accidental Death: You can filter by 24-hour policies, flight-only policies, and common carrier policies.
• Sports: You can choose the type of sport you’re doing on a trip and indicate whether it’s part of a competition.
• Other Benefits: Find coverage that includes rental car protections, a money-back guarantee, 24-hour assistance services, identity theft protection, or renewable policies.

After applying any desired filters, you’ll see only the policies that match your settings. In this example, I filtered for CFAR policies with emergency evacuation coverage of $1,000,000.

You will see the insurance provider’s name and the name of the plan at the top, plus key highlights of the policy listed in the middle. The review ratings are visible on the left side, and the right side holds several important elements: the price, an option to view the full policy details, an option to buy the policy, and a Compare checkbox:

You can add as many or as few policies as you want to compare , but only 5 policies can fit on the screen at once:

You can use the Next Policy button at the top if you’ve selected more than 5 policies for comparison. If you set any filters for your search, your filters will be displayed at the top since those are likely your primary concerns. Scrolling down, you can see coverage similarities and differences in other areas, like trip cancellation benefits or lost luggage reimbursement.

Most policies also offer add-ons for an additional cost. You can view these by clicking on +More near the Buy Now button.

Once you find a travel insurance policy you like, you can buy it directly from Squaremouth. There’s no cost savings for going to the provider’s page and buying the policy there. Squaremouth affirms this on its website :

Due to strict regulations in the insurance industry, it is not legal to discount or upcharge a premium. For this reason, the price of an individual travel insurance policy will be the same wherever you purchase it.

Even still, it makes sense to go to the provider’s website to view the full policy details, exclusions, and inclusions. It’s critical that you understand the specific terms of a policy before buying so that you can ensure it’s the right policy for your trip.

There’s no price difference on Squaremouth’s or the provider’s sites, but you should go to the provider’s site anyway. There, you can read the full terms of a policy before buying the wrong one.

If you click on the Buy Now button, you may see a pop-up message about important exclusions before moving forward. For instance, this policy doesn’t cover 1 airline and 4 countries:

While many people think of travel insurance as a broad-based plan covering everything from delays to cancellations and even medical bills, it is possible to buy medical-focused and even medical-only plans . These medical insurance plans won’t necessarily help you with out-of-pocket costs from delayed flights but can help if you get sick or injured.

These policies are mixed in with the other results you see when searching for plans on Squaremouth. You can focus on medical insurance plans using filters in the Medical menu. Options include the coverage amount you want and primary policies.

An annual policy may be cheaper than buying multiple policies throughout the year for each trip.

Along with standard information like the number of travelers and where you live, you’ll also choose a start date, the expected number of trips this year , and an estimate of your longest trip :

For this example, we priced a trip starting July 1, 2023, for 2 travelers (ages 35 and 33), both U.S. citizens living in California. We estimated 5 trips this year, with the longest lasting 20 days.

You’ll notice that you don’t need to enter specifics about any particular trip , such as where you’re going or trip cost. You’ll see the same filters on the results page as you would on the standard travel insurance search results.

Compared to the 88 policies available with single-trip insurance shopping, this search provided just 6 results:

Price ranges are incredible here: more than $1,000 difference from the cheapest to the most expensive policy. Notice that the cheapest plans don’t cover COVID-19, trip cancellation, trip interruption, terrorism, financial default of a travel provider, travel delays, baggage delays, or CFAR . That’s quite a list of exclusions when paying $300+ for an annual travel insurance policy.

Many of us book flights with miles and hotels with points. Can these be insured? Unfortunately, it’s rare. To complicate matters, Squaremouth doesn’t have filters for policies that cover redeposit fees for your points and miles .

Some policies (a minority) may cover the fees for canceling an award redemption and putting the points or miles back in your account. To find these, you’ll need to read the full policy details . You won’t find this information in Squaremouth’s comparison charts.

You can search for policies tailored to cruisers , but it’s also possible to click on Cruise in the filters after conducting a standard search.

You’ll enter your travel dates and main destination from the cruise search page. Interestingly, you can only put 1 location, despite the fact most cruises visit more than 1 country. On the next page, you’ll enter trip costs, deposit date, whether you have remaining payments, and information about the travelers .

For a sample search, we estimated a 1-week cruise to the Bahamas in November 2023. The trip covers 2 passengers (ages 60 and 58) who made a deposit in the past 24 hours but have remaining payments on their $2,000 trip. Policy costs ranged from $111 to $297 :

A comparison of the cheapest and most expensive policies shows many similarities . The differences include maximum payouts for emergency evacuation, trip delay, and accidental death and dismemberment.

While it’s possible to filter for adventure sports in the standard search results, you also can go to the Adventure & Sports Travel Insurance page and begin your search with the types of activities you want to cover:

For example, there are multiple options for scuba diving, including mixed gas and multiple depth points. It’s important to choose exactly the sport you’ll be undertaking and the conditions in which you’ll participate. For example, will you be with a guide or coach? This can change your coverage requirements.

After choosing the sport(s) you want to cover, you’ll provide trip details as usual to see available policies.

If you’re traveling in a group (departing and returning home within 2 days of each other), a group travel insurance policy could help cost-effectively cover everyone. Some important rules must apply for a group policy:

• Organized groups of 8 or more traveling together.
• Travelers must be visiting the same destination.
• All travelers must be U.S. residents.
• Departure dates must be more than 21 days from the policy purchase date.

You can enter trip costs per traveler or overall , plus you’ll enter each traveler’s birth date. You’ll enter the home state of the majority of travelers , the earliest date anyone starts the trip, and the last date anyone will return home .

Unfortunately, filtering for so-called “one-way trip insurance” on Squaremouth is impossible. One-way insurance would cover a traveler who leaves home from Texas, spends a week vacationing in Mexico, and then flies to England for a new job. These are situations where you are not returning to the trip’s starting point.

You can’t filter for these policies on Squaremouth because most policies have a start and end date based on when you return “home.” They’re also based on your state of residence for cost and legalities. Unfortunately, Squaremouth won’t show you these policies.

Companies like Expatriate Group can provide one-way insurance policies that cover you en route to your destination and provide limited coverage once you arrive until you find other coverage. Think of it as coverage just between 1 country and the next.

How Reliable Is Squaremouth Travel Insurance?

Squaremouth says there’s no extra cost when you buy insurance from its website rather than buying directly. However, it’s always good to double-check.

I priced a 1-week policy for myself to visit Italy in November 2023. Squaremouth told me the cheapest policy was the battleface Discovery Plan at $45.86 . However, battleface returned a price of $36.99 . Even more confusing was that the included benefits didn’t match .

On the same itinerary, Squaremouth provided a price of $103 for WorldTrips Atlas Journey Preferred. WorldTrips returned the same price on its own site, and the benefits/maximum payment amounts matched .

Squaremouth isn’t the only site that provides comparisons as a one-stop-shop for travel insurance. InsureMyTrip has some of the same features. How do their prices match up?

We searched for a 1-week trip to Italy for 2 travelers (ages 35 and 33) who made their first trip deposit earlier today. The results across the 2 sites weren’t the same; Squaremouth showed providers unavailable on InsureMyTrip and vice versa . However, the policies available on both sites matched.

Here are Squaremouth’s search results:

And here are InsureMyTrip’s search results:

The $105 policy from John Hancock and $109 policy from WorldTrips matched when appearing on both sites, however.

While it’s nice that Squaremouth provides a simple shopping platform, buying travel insurance isn’t the only way to get coverage on your next trip. Some of the best credit cards for travelers also provide robust coverage. Cards like The Platinum Card ® from American Express , Capital One Venture X Rewards Credit Card , Chase Sapphire Preferred ® Card , and the  Chase Sapphire Reserve ® can protect your next holiday. Consider these benefits to see if they’re sufficient before buying extra travel insurance:

Always compare your travel insurance options, whether shopping from multiple travel insurance companies or using travel insurance provided by a credit card .

Rather than selling insurance, Squaremouth provides a simple-to-use shopping platform for travel insurance of various types. You can filter results in numerous ways to help you find the right policy for your next trip — or even your next year of trips. Some details will be lacking in the comparisons, and you should always consult the full policy from the insurance provider before buying travel insurance. However, seeing numerous plans, comparing them, and understanding their relative costs with just a few clicks is fantastic.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

How do i contact squaremouth travel insurance.

You can call 800-240-0369 in the U.S. or 727-564-9203 from outside the U.S. Squaremouth also offers chat with the same hours as phone service: 8 a.m. to 10 p.m. ET daily. Outside these hours, email [email protected] .

Who owns Squaremouth?

Specialty Program Group (SPG) LLC bought Squaremouth in early 2023. SPG is a New Jersey-based specialty insurance brokerage firm that also bought Insureon and CM&F in recent years.

Where is Squaremouth's headquarters?

Squaremouth is headquartered in St. Petersburg, Florida, and also has offices in Fort Wayne, Indiana. It was acquired by Specialty Program Group (SPG) LLC in 2023; this company is based in Summit, New Jersey.

Who is the founder of Squaremouth?

Squaremouth was founded by Chris Harvey and Matt Outten and launched in 2003.

Should you buy travel insurance through Squaremouth?

You won’t pay extra to buy a policy from Squaremouth instead of directly from the insurance provider. Due to legal requirements, Squaremouth can’t charge extra for travel insurance policies. The advantage is the ease of use; the disadvantage is that you may not see the full policy details or exclusions on Squaremouth’s website, but you can find these on the provider’s site.

Is it best to buy travel insurance direct or from Squaremouth?

Buying either way has no cost advantage — from Squaremouth or a provider directly. The advantage to buying from Squaremouth is the ease of use for comparing multiple policies. The disadvantage is that you may not see the full policy details or exclusions on Squaremouth’s website, but you can find these on the provider’s site.

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About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and now plans to let his wife choose their destinations. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.

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Squaremouth Review

Sunday, April 7th

2024 Travel Insurance Plan Reviews

• Squaremouth
• One-stop shopping for policies from more than 30 providers
• All insurers quoted through SquareMouth have to comply with "Zero Complaint Guarantee" and have a high A.M. Best rating
• Four policy types available: standard single trip, annual/multi-trip, cruise, adventure/sports

SquareMouth has helped more than two million customers to find the right travel insurance. This service brings you quotes from more than 30 top names in the industry and makes it easy to compare their coverage and benefits. Over the last year alone, SquareMouth sold nearly $100 million in travel insurance policies.

Best selection of insurers and policies here

To make a fair comparison across travel insurance websites, we used the profile of two 35-year old travelers taking a $3,000 trip to Mexico in six months, paid in full on the date we requested the quote. Naturally, because SquareMouth is a referral service, we got many more options than with platforms that only offer policies from a single insurer: 56 that best matched our search criteria, out of a total of 102. The top five policies ranged in price from $106 to $208 and included plans from Trawick International, Seven Corners, Tin Leg, Generali Global Assistance, and IMG.

Information at a glance

What we really like about using SquareMouth is how easy it is to see at a glance what each policy has to offer. On our list, we noticed right away that one insurer was a Forbes 5-Star Travel Insurance Provider in the previous calendar year, another was featured by Forbes for offering superior coverage during the pandemic, and a third got kudos from Forbes for its travel delay benefits. All policies had a preview of the coverage for COVID-related cancellations or medical, trip cancellation and interruption, medical evacuation and general medical benefits. It was also very easy to click the "Compare Policy" checkboxes and see any travel insurance that we wanted to see side-by-side.

Easy to compare

Another thing we liked about SquareMouth is how easy it is to compare all the policies they match you with. You can sort the results by least expensive to most expensive, and use their side-by-side comparison tool to evaluate the details of each policy.

Take advantage of thousands of customer ratings

Another big benefit of using a referral platform like SquareMouth is being able to see hundreds - or thousands - of reviews from other travelers. Every quote tells you how many policies that company has sold via SquareMouth and since what year, plus ratings from clients. You can click on the "Full Policy Detail" and read what clients have said, while getting the complete information about any travel insurance coverage you're considering.

No upselling here

We also appreciate that this travel insurance service aims to "downsell" you: in other words, they'll recommend the lowest-priced policy that still matches the coverage you need. SquareMouth doesn't base its sales on commissions, so there's no reason for them to push policies that are more costly.

Terrific variety of travel insurance types

A final reason to consider getting your travel insurance through SquareMouth is the variety of coverage types available here. Our quote was for a traditional single-trip policy, but what if you're an avid traveler who wants to cover multiple trips in a year? Or you're taking a cruise? Maybe you're an adventurer participating in skydiving, an athlete competing in amateur sports competitions, or bringing expensive gear for skiing or scuba? When you get an insurance quote from a single insurer, the answer may be "no" , but through SquareMouth you can find policies from companies that will say "absolutely!" .

Disappointing drop in the BBB rating

All of these positives are why we were shocked to see that since our last review, SquareMouth's listing with the Better Business Bureau had dropped to a "D-" for failing to respond to 13 customer complaints. That's not a huge number, but we were puzzled to see that most of those were in the most recent one-year period. We wonder what SquareMouth's excuse would be for not addressing such a small number of client concerns.

Digging deeper

However, this disappointment should not be a huge factor in whether you use SquareMouth. Why? If you look at the BBB complaints, you'll see that they're all related to failures on the end of the insurer - not SquareMouth. So, they logged their complaints with SquareMouth, when really their complaints were with an entirely different company. Of course, ultimately your satisfaction with your travel insurance will depend on that insurance company.

Outstanding choice

Overall, SquareMouth is an outstanding place to shop for travel insurance. We love being able to see thousands and thousands of customer ratings - and this site offers more client reviews than any other provider we evaluated. With their large insurance network, you'll get a competitive quote and be able to check out other customer reviews and comments. Once again they earn high marks in our review of travel insurance providers.

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The 13 Best Travel Insurance Plans

Who offers the best travel insurance.

With daily news stories of delayed and canceled flights, lost baggage, and travelers stranded overseas in the middle of a natural disaster, it's easy to see why travel insurance is so important. Like most types of insurance, travel insurance is bought in the hopes that you'll never need it. But, for most travelers, it's worth the price for the protection it provides.

Have you ever thought that this coverage was just an unnecessary, added expense? That's fairly common: most people assume that they've got protection through their credit card company, their regular health insurance, even their homeowners' policy. In some situations, that may be accurate - but unless you know the details of those types of coverage, you're more likely to be left paying out-of-pocket expenses you thought were taken care of... but aren't included.

Travel Insurance Plan FAQ

What is travel insurance, what does travel insurance cover, what does travel insurance not cover, can i get travel insurance if i have a pre-existing medical condition, is travel insurance expensive, my chocolate is going someplace warm. will it melt, where can i buy travel insurance, is it safe to get travel insurance online.

Continued from above...

And, even if you do have that kind of protection, travel insurance policies can amplify your benefits. For example, if you choose a plan that offers $500,000 in primary medical coverage, you might not need to touch your regular health insurance: your bills will be reimbursed up to that amount, no matter what your everyday health plan includes. Car rental insurance can go above and beyond what's paid for by your credit card company or even your own vehicle's coverage - and that can be critical if you're driving in another country and have an accident.

What type of travel insurance do you need? Naturally, that depends on your trip, your travel party, and your budget. A single-trip policy will be more affordable than multi-trip coverage - but if you're traveling internationally more than once in a year, the annual policy becomes much more economical. Do you need to be able to cancel for any reason? Is it important to you to have a waiver of the pre-existing conditions exclusion? Are there any children under 18 in your party that might be included at no extra charge, depending on the insurer you select? These are all factors that will influence your decision when picking a travel insurance plan.

Confused yet? You do have a lot of options. Here are some criteria to help you sort through them and ultimately wind up with the travel insurance coverage you need:

• Quote process. How easy is it to get a quote that matches your insurance needs? Does the site explain the questions it asks, and does it display all of the possible plans in a way you can understand? Can you buy your policy right then and there, or do you have to click through to another site?
• Value. What's included for your premium? From one site to another, you will probably see the same price on any given plan because the states regulate travel insurance prices. However, it's worth your time to compare premium prices and benefits among different insurers, so that you get the most for your money.
• Reputation. It's easy for an insurance company to get high marks from customers if they never had to make a claim on the policy. What do clients who've filed claims say about the way they were treated? Were they reimbursed quickly? Did they get updates about the status of the claim? It's also good to check the Better Business Bureau's rating of any travel insurance service you're going to use.

To help you get the protection you need on your next adventure, TopConsumerReviews.com has evaluated and ranked today's most popular sources of travel insurance. We're confident that this information will make it easy to protect yourself and what you've spent on your trip - and to have backup if something goes off track on your journey. Bon voyage!

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Is Squaremouth Travel Insurance Legit? A Comprehensive Review

Squaremouth serves as a travel insurance comparison platform, aiding travelers in discovering the optimal insurance coverage for their journeys .

With a track record of assisting more than 3.2 million travelers in economizing both time and money on their travel insurance, Squaremouth boasts the most user-friendly quoting and comparison engine in the current market.

This platform enables travelers to swiftly acquire a travel insurance policy from all major providers in the United States .

In this piece, we will closely examine Squaremouth, a prominent travel insurance comparison platform, and address the query: Is Squaremouth travel insurance legit? .

Squaremouth Travel Insurance Contact Information

If you need to get in touch with Squaremouth Travel Insurance for any purpose , you have the following contact options available:

Squaremouth Travel Insurance Pros and Cons

Wondering if you need travel insurance before booking your trip?

While not mandatory for every destination, some countries insist on it for visitors.

Travel insurance is highly recommended for international travel, providing crucial emergency medical expense coverage since US health insurance doesn’t apply abroad.

It’s especially useful when you’ve incurred non-refundable expenses.

Despite its cost being a fraction of your trip, the peace of mind it offers is valuable.

Although SquareMouth has benefits, it may not be the ideal choice for everyone when shopping for trip insurance.

• Zero-complaint guarantee for extra support
• Compare dozens of insurance policies
• Quickly review multiple quotes
• Limited customer reviews on the BBB and Trustpilot.com
• Doesn’t offer its own insurance policies

Travel Insurance Benefits and Coverages

Travel insurance plans are crafted to provide a bundled set of advantages safeguarding both travelers and their financial commitment in case unforeseen events affect their journey.

This encompasses coverage for situations leading to trip cancellations or interruptions, as well as financial losses incurred due to issues encountered during the travel.

Typically, travel insurance policies are extensive, encompassing various protections such as reimbursement for cancellations, assistance with medical emergencies, compensation for travel delays, and coverage for lost luggage.

Squaremouth outlines the prevalent types of travel insurance benefits usually incorporated into a policy .

Travel Insurance Benefit Types

Cancellation: Travel insurance cancellation benefits provide reimbursement for unused trip expenses in the event that travelers need to cancel their trip entirely or cut their journey short due to a covered reason.

Medical & Evacuation: Travel medical insurance provides coverage for the expenses associated with treating an illness or injury that occurs while traveling.

Delay: Travel delay benefits aim to safeguard travelers against financial losses arising from trip delays or missed connections.

Luggage: Travel insurance offers advantages for travelers to acquire necessary items in the event of delayed luggage, and it can also reimburse the expenses incurred due to lost or damaged belongings.

Accidental Death: Travel insurance plans may offer a one-time lump sum payout in the unfortunate event of a traveler’s death or the loss of a limb while on their journey.

Sports: Certain travel insurance plans may encompass benefits that apply to adventurous travelers engaging in activities that would typically be excluded from coverage.

Additional Benefits: Many policies are extensive, providing a range of supplementary advantages.

Though numerous policies offer similar benefits, there can be significant variations in coverage amounts and prices.

It is crucial for travelers to identify the benefits that matter most to them, especially if they are visiting countries that mandate travel insurance .

Squaremouth consistently advises travelers to purchase the most affordable policy that aligns with their required benefits and coverage amounts based on their trip details.

What Are The Key Travel Insurance Benefits?

Many travel insurance plans are designed to address the typical worries of travelers.

In the constantly evolving realm of travel, it’s essential for travelers to identify crucial benefits in a policy.

Trip Cancellation

Trip Cancellation coverage offers reimbursement for a traveler’s pre-paid and non-refundable trip expenses in the event of trip cancellation due to unexpected circumstances.

While commonly associated with illness, injury, or death, each policy outlines a specific set of additional covered reasons.

Cancel For Covid-19 Sickness

Cancellation coverage due to Covid-19 illness can provide reimbursement for travelers who need to cancel or cut short their journey due to contracting the virus.

Cancel For Any Reason

The Cancel For Any Reason (CFAR) option is an elective enhancement that offers travelers maximum flexibility.

This feature allows partial reimbursement of prepaid and non-refundable trip expenses in the event of cancellation for reasons not covered by the standard policy.

Emergency Medical

Emergency Medical is able to cover the expenses accrued by a traveler in the case of a medical emergency while on their journey.

This coverage includes ambulance services, hospital fees, physician services, and various other medical expenses.

Medical Evacuation

In the case of a medical emergency during a journey, Medical Evacuation services can swiftly transport a traveler to the closest suitable medical facility.

Medical Coverage For Covid-19

Coverage for Covid-19 medical expenses can provide reimbursement for the healthcare expenses incurred by a traveler if they happen to contract Covid-19 unexpectedly while on their journey and need medical treatment.

Travel Delay

Travel Delay coverage provides compensation for expenses related to meals and lodging in the event of an unforeseen delay during a journey.

Extension Of Coverage

Coverage Extension refers to the duration during which a traveler’s insurance policy can offer benefits beyond their originally planned return date, in the event that they are unable to return home due to circumstances beyond their control.

SquareMouth Travel Insurance Pricing

SquareMouth collaborates with different insurance providers , resulting in variable pricing based on the chosen plan.

It’s important to note that the travel insurance quote from SquareMouth may not be precise, as the insurance provider could impose additional fees.

Prior to purchasing your plan, the provider will furnish you with a more comprehensive estimate.

Notably, SquareMouth does not levy additional charges for its services.

The amount you pay for a plan through the platform remains consistent with what you would pay when purchasing directly from the insurance provider.

SquareMouth Travel Insurance Financial Stability

While exploring options on SquareMouth for insurance plans, you have the ability to review the AM Best scores of each insurance provider.

AM Best, an impartial platform, assesses companies based on their financial strength.

A higher financial strength rating indicates a more stable insurance provider, alleviating concerns about potential issues such as the inability to fulfill claims or loss of coverage due to a sudden business shutdown.

It’s important to note that SquareMouth, being a relatively new company, lacks a financial strength rating.

However, since SquareMouth doesn’t directly sell its own insurance plans, the security of your insurance coverage is not compromised in the event of SquareMouth facing financial challenges.

Customer Reviews About Squaremouth

As of December 2023, Squaremouth has garnered feedback from 49,040 customers on ResellerRatings.com, achieving an impressive average rating of 5 stars .

SquareMouth Travel Insurance Claims

Travel insurance claims center.

Travel insurance serves as a safeguard against unforeseen circumstances, shielding travelers from financial setbacks caused by flight cancellations, delays, misplaced luggage, injuries incurred abroad, and various other disruptive events during their journeys.

If your trip didn’t go as planned and you need to file a travel insurance claim, continue reading for resources and provider contact information .

What Can You Claim?

Travel insurance offers financial safeguards in case unexpected events interfere with or affect your travel arrangements.

Below are the prevalent complications that travel insurance might address:

Today, travelers often worry about travel disruptions and delays, which are prevalent issues.

In the event that your journey is postponed or you fail to catch a connecting flight due to circumstances beyond your control, travel insurance can potentially cover additional expenses like lodging and meals.

Cancellations

This insurance usually provides reimbursement for non-refundable costs in case you have to cancel or curtail your journey for covered reasons, such as illness, injury, or unexpected events.

Medical Emergencies

Travel insurance might provide financial protection for medical costs resulting from sickness or injury during your travels.

This coverage can include expenses such as hospital stays, visits to doctors, and emergency evacuations.

It’s important to note that there could be coverage limits and specific exclusions that apply.

Travel insurance can provide protection in case of lost, stolen, or delayed baggage, offering reimbursement for necessary items and replacement expenses.

Additionally, certain policies may extend coverage to include damage to baggage.

How To Claim Travel Insurance

Every travel insurance claim is distinct and will be addressed accordingly by your travel insurance providers.

To achieve the optimal result, it is crucial to be well-prepared and proactive.

Begin by considering the following suggestions:

Contact Your Provider

Contact your insurance provider’s claims team using the information provided in your policy.

They will help you navigate the process, address your questions, aid in preparing your claim, and inform you of the required documentation.

Gather Required Documentation

Prior to starting your claim process, ensure that you collect all essential documentation pertaining to your incident.

This might involve original receipts, medical reports, police reports, travel itineraries, and any other pertinent evidence to substantiate your claim.

Complete Claim Form and Interview

You may be required to fill out a claim form with your provider.

Accuracy is crucial, so make sure to provide all the necessary details.

Attach supporting documentation to facilitate a prompt assessment of your claim.

Expect a member of your provider’s claims team to reach out to you for further discussion.

Submit The Claim

After filling out the claim form and assembling the necessary documents, you are ready to submit your claim.

Providers generally receive claims through email, regular mail, or a secure online portal.

Remember to keep copies of all documents for your personal records.

Frequently Asked Questions (FAQs)

For further information about Squaremouth Travel Insurance , please refer to the dedicated Frequently Asked Questions (FAQ) section.

What is Squaremouth com?

Squaremouth operates as an internet-based platform that assesses travel insurance plans offered by all significant providers within the United States.

Will travel insurance cover flight cancellation?

A thorough travel insurance plan should provide coverage for your flight in case you have to cancel or modify your plans due to unforeseen circumstances.

A valid travel insurance policy can safeguard you in case any unexpected issues arise during your vacation.

How does SquareMouth work?

SquareMouth serves as a streamlined hub for purchasing travel insurance plans, offering a simplified process.

On the platform, you can easily compare various plans, make payments, and secure coverage from a partnering insurance company .

Notably, SquareMouth does not impose any extra fees for its services.

Does SquareMouth handle travel insurance claims?

No. You need to submit a claim directly to your insurance provider.

However, SquareMouth’s zero-complaint guarantee provides support in case you are dissatisfied with your insurance company’s handling of a claim and require additional assistance.

Is SquareMouth safe to use?

Yes, SquareMouth is safe to use. This travel insurance marketplace is authentic and collaborates directly with prominent providers.

SquareMouth ensures transparency by eliminating hidden fees or additional charges when purchasing an insurance plan.

Squaremouth travel insurance provides a dependable and user-friendly solution for securing travel insurance for your journey.

With a diverse selection of policies from leading providers, an intuitive website, and a committed customer service team, Squaremouth ensures a seamless experience.

Backed by its Zero Complaint Guarantee and price guarantee, Squaremouth demonstrates confidence in its products and providers.

I believe this article offered a mix of pleasure and valuable insights as you explored the intricacies of Squaremouth Travel Insurance.

Discover more articles on our blog that explore a range of insurance-related topics similar to this one.

Insurance Strategy Specialist

Howdy Robert is a seasoned Insurance Strategy Specialist known for his strategic acumen in devising tailored insurance solutions. With a focus on strategic planning, Howdy collaborates with individuals and businesses to develop customized insurance strategies that align seamlessly with their unique risk profiles and financial aspirations.

Howdy earned his degree in Strategic Insurance Planning from Horizon University , providing him with a robust academic foundation in insurance principles, strategic management, and risk analysis. This educational background serves as the bedrock for Howdy’s ability to create dynamic and forward-thinking insurance strategies.

In his role as an Insurance Strategy Specialist, Howdy excels in various insurance sectors, including:

• Property and Casualty Insurance
• Life and Annuities
• Commercial Liability Insurance
• Specialty Lines (e.g., Cyber Insurance)
• Employee Benefits and Group Coverage

Howdy’s expertise spans these diverse sectors, allowing him to design comprehensive insurance strategies that cater to the nuanced needs of each client.

With over a decade of practical experience, Howdy Robert has honed his skills as a trusted advisor in the insurance industry. His professional journey includes collaborating with a wide array of clients, from individuals seeking personal coverage to businesses navigating complex risk landscapes. Howdy’s experience extends beyond traditional coverage, incorporating strategic planning to ensure that clients not only have protection but also a roadmap for achieving their broader financial goals.

As an Insurance Strategy Specialist, Howdy Robert is dedicated to providing clients with strategic insights and customized solutions. His ability to navigate multiple insurance sectors and design tailored strategies sets him apart, offering clients a holistic approach to risk management and financial planning.

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Squaremouth

Squaremouth is a prominent US-based travel insurance marketplace. Learn pros, cons, pricing, services, and more.

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HOME > TRAVEL INSURANCE > SQUAREMOUTH

Squaremouth 2024 Review

Award-Winning Writer, Digital Communications Leader

Squaremouth Review

Arguably the largest travel insurance marketplace operating in the United States, Squaremouth offers 90 unique travel insurance plans from over 30 different insurance companies. No matter where you decide to go and what you decide to see, there’s a good chance Squaremouth offers a policy that will cover your situation.

With so many choices, searching for the right travel insurance plan can quickly become overwhelming. How can you ensure you’re getting the best level of protection for your money? Moreover, if you do end up with a claim, who can you turn to for help?

In this article, we’ll cover everything that Squaremouth offers: What insurance companies they work with, the types of policies you can buy, and where to go if you need to file a claim.

What is Squaremouth?

Squaremouth was founded in 2003, making them one of the oldest travel insurance marketplaces online. As an insurance agency, the company is licensed to sell insurance products in all 50 states and the District of Columbia. Because state regulations vary, the number of insurance policies may be limited based on your primary residence.

One of the advantages of buying through Squaremouth is their “Zero Complaint Guarantee.” If you are not satisfied with a claim, their team of claims adjusters will review the case and mediate on your behalf. Although they cannot guarantee that the claim will be paid out, they will remove any insurance company that does not fulfill claims to their satisfaction. While the guarantee offers an additional layer of assurance, Squaremouth doesn’t publish data on what percentage of claims decisions are overturned through their intervention.

The company offers four different categories of travel insurance, which may include medical care coverage. However, these plans are usually not compliant with the Affordable Care Act regulations, because they are temporary in nature and are designed to cover travelers when they are away from their primary residences. Therefore, you should not expect a travel insurance plan to cover routine care, nor prescription medications while you are home.

Squaremouth Travel Insurance Options

As a travel insurance marketplace, Squaremouth offers policies from 32 different insurance providers. Some of the well-known names they offer plans from include:

• April Travel Protection
• AXA Assistance USA
• Berkshire Hathaway Travel Protection
• Generali Global Assistance
• Seven Corners
• Tin Leg - a Squaremouth Brand
• Travelex Insurance Services
• TripAssure - a Trip Mate Brand

While most marketplaces do not offer their own insurance policies, Squaremouth offers a line of plans under the Tin Leg brand. With six different levels of coverage, the Tin Leg policies are underwritten by either Berkshire Hathaway Specialty Insurance Company with a AM Best Rating of A++ (Superior), or Starr Indemnity & Liability Company with a AM Best Rating of A (Excellent). All other plans are underwritten by their specialty insurance providers.

Which Travel Insurance Plans Does Squaremouth Offer?

Squaremouth plans can be broken down into four categories: Single trip policies, annual or multi-trip policies, adventure and sports policies and group policies for 10 or more travelers. Each one offers a different level of coverage, based on your trip length, destination, and level of coverage you prefer.

• Single Trip Policies: As the name suggests, single trip policies only cover the start and finish of one outing away from home. These travel insurance plans can cover trips that start and end in the United States, or journeys to one or several nations. A single trip policy will often cover benefits for trip cancellation, trip interruption, baggage delay or loss, and limited medical coverage. Single trip coverage is best for individuals or groups who are traveling internationally, and want the peace-of-mind to know that in the event of an emergency, their property and health may be protected.
• Annual/Multi-Trip Policies: For travelers who plan on taking several trips across the United States or around the world every year, Squaremouth also offers annual policies. Also known as multi-trip policies, these plans are best for those who know they will be traveling more than 50 miles from their residence several times each year. Although these plans usually offer the same coverage as single trip policies for up to 364 days, they may come with annual claims limits as well.

• Adventure and Sports Policies: For thrill seekers, most travel insurance plans won’t cover their activities of choice. Squaremouth offers a line of plans specifically designed for travelers who want to hit the slopes, climb mountains, or participate in other “risky” behavior. While adventure and sports policies usually cost more than traditional policies, they provide additional medical insurance in case of injury. Before buying, be sure to read the fine print to ensure your activities are covered.
• Group Policies: For groups of 10 or more, Squaremouth also offers group policies that will cover everyone on an itinerary. While they usually include all the benefits of a single trip plan, groups can often get discounts by booking together under a single policy.

What Additional Insurance Options are Available?

Although most travel insurance plans will cover the most common situations, buying insurance early can unlock additional benefits. When purchasing a plan within 14 to 21 days of placing the first deposit on your trip, many policies allow you to add cancel for any reason coverage or pre-existing condition waivers.

• Cancel for Any Reason Coverage: Trip cancellation coverage allows travelers to recover their costs if a covered situation forces them to cancel their trip, such as an illness, death of a family member, or a storm at their destination. Cancel for any reason coverage allows policy holders to recover between 50% and 70% of their costs if they decide not to take a trip for a situation not covered by trip cancellation.
• Pre-Existing Condition Waivers: Most travel insurance policies may not cover recurrences of conditions individuals already have, such as heart disease or cancers. Buying travel insurance early may grant access to pre-existing condition waivers, which will extend trip cancellation and health benefits to a recurrence of a pre-existing condition diagnosed or required care 120 days or more before your trip.

How to Buy Travel Insurance from Squaremouth

Searching for travel insurance on Squaremouth.com begins with their three-step quote process. To start searching, you will be asked to provide details about your trip, including:

• Your departure date, return date, and primary destination.

• Your age, country of residence and citizenship, and ages of travelers on the trip.

• Your date of first deposit, if you plan on including cancellation insurance, total amount of your trip and if any payments are remaining.

From there, Squaremouth.com will show you a number of policies that may fit your requirements. You can also break down options by their benefits, including:

• Trip interruption
• Emergency medical
• Medical evacuation
• Pre-existing medical condition waivers
• Cancel for any reason insurance
• Primary medical coverage

You can also search by top selling plans, insurance companies, and plan prices. Once you have decided upon a plan, you will be asked additional questions about the travelers on your plan, including:

• Your name, birthdate and gender
• The names, birthdates and gender of everyone on your itinerary
• Home address and e-mail
• Telephone number

Payments are handled online through a major credit card or debit card.

How Do I Get my Travel Insurance Documents?

Once your payment is confirmed by Squaremouth, your receipt and documents will be delivered to you via email. For policies purchased from Tin Leg, your insurance documents will come directly from Squaremouth.

Policies purchased from any other travel insurance provider will arrive via e-mail from the companies themselves. It’s important to retain this information, as it will provide not only proof of insurance, but also give you the addresses and phone numbers of the plan’s customer service and claims teams.

Transactions on Squaremouth are secured by a RSA 2048-bit encryption. Amazon Web Services provides the SSL certificate for the website, and is renewed yearly.

Squaremouth Reviews and Ratings

Of all the travel insurance markets, Squaremouth may offer not only the most reviews of products, but offers a number of reviews of their service as well. Travelers are encouraged to leave both good and bad reviews of their insurance companies, based on their customer service and claims experiences.

Over the years, Squaremouth earned a Stevie Award for having a top-tier customer service department, alongside Travel Weekly Magellan Awards and Best of the Biz awards. Squaremouth is also the preferred travel insurance provider for Forbes.com.

Outside of their awards, the company has mixed reviews. The company is rated D- by the Better Business Bureau, and is not accredited by the independent organization. TrustPilot gives Squaremouth an average review of just under three stars, and Angie’s List gives them a B rating based on one review.

As with any travel insurance market, it’s important to do your research to determine if you feel comfortable with a company before buying. Although there are mixed reviews, Squaremouth is a reputable company offering travel insurance policies from multiple providers.

Pros and Cons of Squaremouth

• One of the biggest travel insurance marketplaces online
• Multiple levels of coverage, ranging from single trip plans to annual, multi-trip, and adventure plans
• Over 30 insurance providers and 90 plans in one place
• Selection of multiple insurance plans may be overwhelming
• Mixed reviews from BBB and others
• Company can only advocate on behalf of customers, but can’t overturn claim decisions

Final Thoughts on Squaremouth

Overall, Squaremouth is possibly the most comprehensive travel insurance marketplace available today. With over 90 policies available from 32 insurance companies (including their own brand), the site is one of the first places people shop for their insurance. But with so many choices, smart shoppers should approach the site with a knowledge of what benefits they want, and which companies have the best reviews in the event a claim is necessary.

Frequently Asked Questions

Is squaremouth trustworthy.

Squaremouth is one of the oldest travel insurance marketplaces on the internet, with a wide selection of insurance companies and plans represented.

Who owns Squaremouth?

Squaremouth is founded and co-owned by company CEO Chris Harvey. Based in Florida, Squaremouth is an independent corporation that has made the Inc. 5000 list every year between 2013 and 2020.

Squaremouth is one of many travel insurance marketplace websites available to travelers based in the U.S. and other parts of the world. The company sells their own brand of travel insurance, Tin Leg, along with plans from 31 other insurance companies.

We’ll Introduce You!

Get a free no-obligation quote from Squaremouth

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Squaremouth Travel Insurance: A Complete Review

• By Chris Tate
• November 9, 2023

Imagine this: you’ve meticulously planned a road trip across the United States, excited to explore stunning landscapes and vibrant cities. But as you set out, you encounter unexpected inclement weather, throwing a wrench in your travel plans.

This is where travel insurance, like Squaremouth, can be a lifesaver. In this article, we’ll delve into why travel insurance is a must, especially in the face of unpredictable weather, and explore the features that make Squaremouth the go-to choice for travel enthusiasts.

Without further ado, let’s jump into the article.

For more information on squaremouth, you can find them  here.

Why Choose Squaremouth? Well we have  Unpredictable Weather.

Traveling across the United States is a dream come true for many, but the country’s diverse climate can throw unexpected challenges your way. From torrential rains in the Pacific Northwest to snowstorms in the Northeast, weather can be a formidable adversary. Travel insurance steps in as your safety net when your adventures are at the mercy of Mother Nature.

Whether you’re hitting the slopes in Colorado or sunbathing in Florida, Squaremouth Travel Insurance ensures you’re prepared for the unexpected. Here’s a detailed breakdown of what Squaremouth is known for:

The Features of Squaremouth Travel Insurance

• Trip Cancellation: Life can be unpredictable, and you might need to cancel your trip due to unforeseen circumstances. Squaremouth covers you for trip cancellations, allowing you to recoup your non-refundable expenses.
• Weather-Related Delays: When flights get delayed or canceled due to weather conditions, it can throw your travel plans into disarray. Squaremouth provides coverage for such inconveniences, ensuring you stay on track.
• Emergency Medical Coverage: Falling ill during your travels is a situation no one wishes for, but Squaremouth has you covered. They offer comprehensive emergency medical coverage, so you can get the care you need without worrying about the bills.
• Lost or Delayed Baggage: If you’ve ever experienced the frustration of lost or delayed baggage, you’ll appreciate Squaremouth’s coverage. They reimburse you for the essentials you need while your belongings catch up with you.
• 24/7 Assistance: Squaremouth’s round-the-clock support ensures you have someone to turn to, no matter where you are. Whether you need help finding a local doctor or arranging transportation, they’ve got you covered.

Why Choose Squaremouth?

Travel enthusiasts love Squaremouth for several reasons, and it’s not just about the coverage. Here’s why they stand out:

• Transparency: Squaremouth is known for its clear and straightforward policies. They provide you with all the necessary information, so you know exactly what you’re getting.
• Customization: Your travel needs are unique, and Squaremouth understands that. They offer a range of policies that can be customized to suit your specific requirements.
• Extensive Network: With Squaremouth, you’re not just buying insurance; you’re gaining access to a vast network of trusted providers and partners. This means you’ll always have support wherever your travels take you.
• Easy Claims Process: In the unfortunate event that you need to make a claim, Squaremouth ensures the process is as hassle-free as possible, allowing you to get back to your adventures quickly.

Thoughts & Takeaways

As you plan your next adventure across the United States or any other part of the world, remember that travel insurance is your safety net. The unpredictability of weather is just one of many reasons why it’s a must-have for any traveler. Squaremouth Travel Insurance, with its comprehensive coverage, transparency, and exceptional support, is the ideal choice for travel enthusiasts.

So, before you embark on your next journey, take the time to explore the options that Squaremouth offers. From trip cancellations to medical emergencies, they’ve got your back, so you can focus on what you love – exploring new places, experiencing different cultures, and creating unforgettable memories. Don’t let unexpected weather or other travel hiccups dampen your spirits. With Squaremouth, you can travel with confidence, knowing you’re protected every step of the way. Your adventures await; let Squaremouth be your trusted companion.

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Squaremouth Travel Insurance Review

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SquareMouth Travel Insurance Reviews | SquareMouth.com

• Since 2001, SquareMouth offers instant comparisons of travel insurance plans from all major insurers in the United States, Canada and the U.K.
• Get instant comparative travel insurance quotes of 33 different plans
• Ability to purchase insurance with immediate confirmation of insurance
• Travel insurance coverages include trip cancellation, trip interruption and medical insurance packages
• Detailed single product quotes by email
• Ability to sort quote search results by quality of benefit, provider or price
• Strict “zero complaint” policy – If any SquareMouth.com client has a complaint against a travel insurance provider that cannot be “fairly resolved”, they will remove the carrier from their website and no longer sell its insurance
• SquareMouth offers travel insurance plans from every major company

Our Editor’s Review

SquareMouth does an excellent job of taking the headache out of comparing travel insurance. There is so much more to consider than just price, because the plans vary so widely.  SquareMouth uses little icons on the search result screen, and after you educate yourself as to what each of these stand for, they make comparing plans a snap. For instance, in the blink of an eye, we could see which insurance plans offered extra policy benefits, including one which has the added benefit of giving all children under age 18 (related to the insured) free protection.  Other icons indicated which plans cover pre-existing medical conditions. We recommend you take a few moments and learn what each of these icons stand for by reading the header of the quote search result screen.  We also liked that you can sort the travel insurance quotes based on what primary benefit you are looking for, such as “Trip Cancellation”, “Terrorism”, “International Medical Insurance” or even “Cancel for any reason” plans.

A little known secret is that some travel insurance plans permit you to buy insurance up until your departure date, weeks or months after you’ve booked and paid an online travel agency for your trip.  Notably, some “Cancel for any reason” insurance plans offer up to 90%* cancellation coverage if bought within their time restrictions, such as within 14 days after booking, but more than 2 days prior to departure (however, these time limits vary greatly by insurer and may not be available at all times).  The great part about Square Mouth is that after you plug in your booking deposit date and travel dates, their search engine does this work for you and automatically tells you if cancellation coverage is available.  Simply filter the results by “Cancel for any reason” to see what is available to you.

Squaremouth Fees

To cancel an insurance policy booked on SquareMouth, the fee will vary depending on insurer.  Typically, insurers will offer a “free look” period for about 10 days, in which you would only need to pay about $5 to cancel.  This fee is charged by the insurer.  Read the respective policy in full prior to purchase for full details on their fees.

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• Squaremouth

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Unsolicited - verified purchase.

Squaremouth has a rating of 3.87 stars from 27 reviews, indicating that most customers are generally satisfied with their purchases. Reviewers satisfied with Squaremouth most frequently mention travel insurance. Squaremouth ranks 24th among Insurance Other sites.

This company does not typically respond to reviews

“Sense of Security!”

Rep Joanna was extremely helpful in sorting out our specific insurance needs, and suggesting an appropriate policy. She noted for the Detour policy, one that had the fine tuning of our needs, that it was underwritten by Nationwide, a company with whom I already have policies...and made me feel good about the choice. She also shared the Detour contact number with me for me to have some other questions answered that were not noted in the policy. Thank you Squaremouth!

“Zero complaints- ha!”

When my charter cruise was canceled and the organizer offered no refund, I thought that was covered under "default". Silly me! Since the organizer was not insolvent and had not ceased operations, Seven Corners refused to pay and Squaremouth agreed. Bottom line, Squaremouth is not going to pass up those sweet commissions by going against the "insurers". So I threw good money after bad by buying insurance from them. They are polite, but useless.

Reviews (27)

From the business

Voted the best travel insurance review and comparison site. Squaremouth helps travelers compare policies side-by-side to quickly find the best coverage for their trip. Use Squaremouth's comparison engine to search, compare, and buy travel insurance fro...

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Reviews 4.8.

Most relevant

Great Coverage

I’ve used Square Mouth in 2023 for cruise with my daughter and I. Luckily did not need to make a claim. So now that I am going on another cruise at the end of this month 3/31/2024 I wanted to make sure we were in good hands. The last coverage was really good price wise, this time it’s a little more but it’s fine cause the coverage had changed so I’m ok with that. Would I recommend definitely cause you just never know when you may need to be covered especially when Traveling.

Date of experience : August 19, 2023

I was glad to find a highly-rated annual travel insurance policy

I was glad to find a highly-rated annual travel insurance policy that was affordable. I hope we don't have to use it, but with our monthly trips, it is nice to know we are covered if something happens.

Date of experience : March 09, 2024

Easiest experience in 10 years!!!🥳

Oh my goodness, that was the easiest thing I’ve ever done. The gentleman on the phone who I am now, so sorry I didn’t get his name was fabulous! A true American with a great sense of humor! As a matter fact, you guys would do well to get him to train all employees- seriously! Ask for the product what I was looking??? I got and at a great price! Life doesn’t get much easier than this!

Date of experience : March 16, 2024

Great the lady was good service we been…

Great the lady was good service we been Butt g form this company for long time 20 + years always been great

Date of experience : March 24, 2024

Simple and easy to use

Simple and easy to use. Loved the compare option. Made my selection very easy.

Date of experience : April 01, 2024

Easy to navigate

Easy to navigate. Clear cut entries.

Date of experience : April 05, 2024

Simple Quote

Changing my Insurance for my trip at a different time was easy

Date of experience : March 28, 2024

A great resource for identifying, comparing and buying travel insurance policies.…

I started with no experience with travel insurance. I did some targeted on-line research, which led me to SquareMouth. I found SquareMouth easy to navigate and to identify and compare available policies based on coverage terms, limits and premiums, and I'm comfortable that -- at least based on those factors -- I bought the policy that was best suited to our requirements. Of course I don't (and hope I won't) have any experience with claims under the policy I purchased, so I'm taking on faith that the insurer will perform if I need to make a claim. Suggestion for improving the site: an evaluation of insurer claims performance.

Date of experience : March 01, 2024

I like that this policy covers at least…

I like that this policy covers at least 50% of cancellation for any reason and also has Covid coverage if someone gets sick. Those items are hard to find. Policy costs a bit but it is worth it to me. But, it is hard to truly know how good this coverage is and how easy it is to file a claim unless we have to file a claim.

I love Squaremouth and always use them…

I love Squaremouth and always use them when I buy travel insurance. They are great for offering various plans and for help with claims. I gave a 4star instead of 5 since this time around, I was unable to compare the plans side by side.

Date of experience : March 02, 2024

easy to use and understand

Completely untrustworthy.

I have just gone onto the Squaremouth Inc website to look for travel insurance to Europe. I read the following on their website : “On Saturday, October 7, 2023, the Hamas militant group attacked Israel with an airstrike, killing hundreds of people and injuring thousands more.“ So after reading that, I realized that this company is most definitely not trustworthy. Hamas did not attack Israel with an air strike on 7 October. They infiltrated Israel and murdered, raped, and tortured 1400 Israeli civilians. So your company most certainly cannot be believed (and you updated the story in December so had plenty of time to ascertain the truth).

Date of experience : January 25, 2024

Multiple options to compare

Multiple options to compare. Appears to provide very thorough information for each option. Easy to navigate. Easy to purchase. Happy for the 10 days to review the policy to make sure it fits our needs.

Date of experience : March 04, 2024

Easy to understand....prices are good…

Easy to understand....prices are good and make sense. hopefully, i will never need to use this insurance.

Date of experience : March 21, 2024

Very easy to use

It was very easy to find policies that applied to my particular travel insurance needs. The Compare feature was easy to use.

Date of experience : March 15, 2024

Very easy to navigate and choose…

Very easy to navigate and choose features important to me.

Date of experience : March 30, 2024

Great site and service for Tarvel/Trip Insurance

Great site and service to get comparative quotes for travel insurance and trip protection plans. Provides all the details, disclosures and transparency into policies and providers. Easy to purchase on-line

Date of experience : March 07, 2024

I was happy with the site and being able to fill out all the required information required.

Date of experience : February 22, 2024

This is a site that is very easy to use…

This is a site that is very easy to use and allows you to compare many different policies.

Knowledge of the agent and courtesy as…

Knowledge of the agent and courtesy as well. Also very helpful in completing my purchase.

Date of experience : March 19, 2024

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Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards with travel insurance benefits.

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance? How much is travel insurance? Is travel insurance worth it? What does travel insurance cover? Does travel insurance cover COVID?

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

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Hi Candace,

Did you finally get the claims reimbursements from Trawick? We have similar issues with Trawick Insurance. We have puchased the Trawick travel insurance for the trip to Australia from Squaremouth since Trawick is the only few insurances which has10-20K cover for pre-existing medical conditions. My father ended up having serious illness (not related to pre-existing conditions) just 2 weeks before he supposed to go home and before the travel policy expire on December 3rd, 2012. In the first week, their customer care communicates often with us and the hospital asking for updates and medical records, then suddenly just few days before the policy expire, they suddenly said they will not pay any claims and even will not pay for the cost to repatriate him home without stating any reasons why they refused to pay for the claims and after that, they ignore our emails and calls. I even cc the email to Squaremouth, but there is no response from Squaremouth at all until now. Since my father's ilness was very serious, he ended up staying in the hospital in Australia for 3 months since doctor said it's not safe for him to fly along distance initially since he needs assistance in breathing and eating and he ended up unable to walk now. We have to repatriate him home with our own costs and we ended up with huge bills from the hospital, which Trawick ignores even after legal centre referred by the hospital contacted them. Good thing Australian doctors in the public hospital still treated him and save his life even though we told them that the insurance does not want to pay and we won't be able to afford to pay all bills immediately. I hope your case do not end up like my father's. For others, be carefull when you buy Trawick insurance.

What a terrible ordeal you had. We still don't know if Trawick will honor our claim but we are hopeful. We submitted all of our documentation and are now waiting. We have also sent copies to Squaremouth who have told us they will pursue the matter if Trawick refuses as part of their Zero Complaint Guarantee. I would suggest you call Squaremouth directly if they still haven't responded. Good luck!

Just wondering if you got reimbursement from Trawick? I shopping for travel insurance for my parent. Thank you!

We are still waiting to be completely reimbursed and probably never will be. Trawick (and the underwriter GBG) dropped the claim that appendicitis was not covered, but they still insist that all health care coverage stops after the last day of the original policy. As unethical as that sounds, we have found other companies who apply the same rule. For the future, we have now taken out a yearly policy which we will continue to renew to avoid ever being uncovered. It seems to go against the entire concept of travel insurance and the costs are much higher, but nothing compared to a bill for a 3-week stay in an American hospital: $207,000!

Thank you! I looked at the fine print of their Safe Travels USA policy and the exclusion list is unreasonable, IMO. For example:

5. disease or bacterial infection except for any bacterial infection resulting from an accidental

external cut or wound or accidental ingestion of contaminated food

25. treatment of hernia, Osgood-Schlatter’s Disease, osteochondritis, appendicitis,

osteomyelitis, cardiac disease or conditions, pathological fractures, congenital weakness

whether or not caused by a Covered Accident.

What do they really cover? Just thought that I should share with other TripAdvisor users.

Were you able to get partially reimbursed at least? If so, how much % have you gotten back?

I'm searching for travel insurance as well and Trawick came as the most affordable with what I was looking for, but instances like these scare me...even though I've read horror stories of other companies as well.

This post was determined to be inappropriate by the Tripadvisor community and has been removed.

Sorry for the delayed response but I just saw your post. In the end, Trawick (or GBG, the underwriter) honored our claims and paid up, though without any help from Squaremouth. After my initial irate letter online, they immediately responded, but then I never heard from them again or received an answer to any of my emails. The big lesson learned is to get a generous policy if you're traveling to the U.S. Our policy was for $100,000 and we couldn't imagine it would be insufficient. But the hospital bill for 3 weeks was twice that amount. The hospital gave us a "discount" for prompt payment out of pocket, but we're still liable for $35,000. Ouch!

Beware of TravelSafe travel insurance as well. Their claims are handled by a third party administrator called Trip Mate and they are horrible. They claim to process all claims within 5 to 10 business days and they do NOT. Look at the complaints on line for Trip Mate.....they are numerous and extensive. TravelSafe gets very good reviews, but these are from people who have not had claims. The purchasing process is quite efficient and simple so people give it good reviews. But what matters in insurance matters is when you have a claim, how it is handled and TravelSafe does NOT handle its own claims. So, as a result, the ratings that show up on Squaremouth for TravelSafe are misleading because they are not accounting for people who have had mostly very poor experiences with Trip Mate. I will never use them again. I have also filed complaints with the Attorneys General and Departments of Insurance in Florida, Missouri and Pennsylvania for fraudulent and deceptive business practices and bad faith for TravelSafe, Trip Mate and the Chester Perfetto Agency.

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SquareMouth Travel Insurance

April 21, 2023 — 11:14 am EDT

Written by Quinlan Grim for Money.com  ->

Travel can be a risky business. Unforeseeable events can quickly turn a relaxing vacation into a stress-filled — and expensive — mess. But one way to save yourself from unexpected costs while you’re traveling is with a comprehensive travel insurance plan. However, it can be tricky to find the right plan. Like shopping for the best travel credit cards , comparing insurance providers can take a lot of time and research.

SquareMouth is a travel insurance marketplace that allows you to browse the best travel insurance companies . You can compare plans, get a quote and even buy your plan through this platform.

Is SquareMouth the best way to buy your travel insurance? This review will walk you through the highlights, benefits and drawbacks of SquareMouth to help you decide if it’s the right place for you to buy travel insurance.

Best travel insurance marketplace

SquareMouth is not an insurance provider. It’s a travel insurance comparison site that helps travelers browse, compare and buy their plans. SquareMouth stands out among its competitors as the best travel insurance marketplace for the cost. Read on to learn more about how you can use SquareMouth to save on your next trip.

SquareMouth travel insurance pros and cons

Before you book your trip, you might be wondering whether you need insurance to travel.

Travel insurance is not required for every destination. But some foreign countries do insist you carry it before crossing their borders as a visitor. Travel insurance is highly recommended for international travel, particularly for the emergency medical expense coverage it provides. That’s because the health insurance you carry in the US doesn’t cover you when you travel abroad. It’s also a good idea to have travel insurance when you have racked up a large number of non-refundable expenses while planning your trip. Travel insurance costs a fraction of the price of your trip, and for most travelers, it’s worth it for the peace of mind.

Shopping for your insurance plan through SquareMouth has its benefits, but it might not be the best choice for everyone. Here’s what you can expect from SquareMouth trip insurance.

• Zero-complaint guarantee for extra support
• Compare dozens of insurance policies
• Quickly review multiple quotes
• Limited customer reviews
• Doesn't offer its own insurance policies

Pros explained

Why use SquareMouth? This unique platform has a few benefits: a zero-complaint guarantee, access to top insurance providers and simple policy comparisons.

Has a ‘Zero-Complaint Guarantee’

SquareMouth’s ‘Zero-Complaint Guarantee’ is a policy that helps travelers get the most out of their insurance policies.

When you compare SquareMouth insurance plans, the company guarantees that every plan comes from a reputable, established provider. It will also advocate for you if you run into any issues with your insurance provider. You’ll still have to file your claims directly through your insurance company, but if you have a complaint, you can connect with a SquareMouth representative who will then go to the provider on your behalf.

The zero-complaint guarantee doesn’t mean SquareMouth’s plans get no complaints. It means the company will help you if you have an issue after you file your claim.

Shows results from dozens of travel insurance providers

When you buy insurance from a major provider, you can compare plans side-by-side — but only that company’s plans. SquareMouth lets you browse through plans from dozens of reputable, financially stable providers.

This feature helps travelers save time and make sure they pick the best policy for their needs. In addition, SquareMouth insurance reviews show unbiased customer opinions of each plan to help you make your choice.

Easy policy comparison

Comparing policies on SquareMouth is fast and easy. The site operates like a search engine. Type in your trip dates, cost and traveler information, and you’ll see dozens of plans that might work for you.

Cons explained

SquareMouth provides a valauble service, but it isn’t the only way to buy travel insurance. You might not want to use SquareMouth if you’d rather buy insurance directly from the provider or if you prefer to do business with a company that enjoys a uniformly better online reputation.

Doesn’t provide travel insurance policies of its own

SquareMouth is not an insurance company. It partners with major insurance providers to facilitate an easier buying process. The benefit of this service is that you can compare multiple insurance plans at once, but some people might not like working with a third-party company.

If you’d rather talk with an insurance agent from a travel insurance company, you should buy a policy directly from a provider instead of going through SquareMouth.

Mixed customer reviews

SquareMouth earns a fair rating of 3.3 out of 5 stars on Trustpilot. The Better Business Bureau awards the company an A+ rating, but the consumer reviews posted on the BBB site are generally poor.

What does that mean for potential SquareMouth customers? Mainly that the site’s customer service might not be as responsive as advertised. However, a lack of positive SquareMouth reviews does not necessarily reflect the quality of the insurance plans sold through this website. And sometimes, customers blame SquareMouth for issues that are better resolved with a travel insurance policy provider

SquareMouth travel insurance plans

Shopping for travel insurance online with SquareMouth is an easy way to compare multiple plans from top providers. Like most travel booking sites , it connects travelers to the best deals but doesn’t offer its own products.

Before you buy a travel insurance policy through SquareMouth, you should have an idea of what type of plan you’re looking for. Travel insurance providers offer a wide range of plans for different types of trips.

Here’s a brief overview of the different types of insurance plans you can buy through SquareMouth. Remember, none of these plans are offered by SquareMouth directly, but the company will let you compare prices and provides advocacy services if you need to file a claim.

Single trip policies

A single-trip travel insurance policy is a short-term plan that you can buy for a flat rate before your trip. SquareMouth’s single-trip policies are provided by dozens of companies, including:

• Seven Corners Travel Insurance
• TravelSafe Insurance
• John Hancock Travel Insurance
• Berkshire Hathaway

Some single-trip travel insurance policies are for medical coverage only. That means coverage for hospitalization, doctor’s visits, medical evacuation or other emergency medical expenses while you’re traveling. Other travel plans include coverage for baggage delays, trip cancelation and more.

Multi-trip (annual) policies

SquareMouth annual travel insurance plans cover multiple trips in one year. These plans are best for business travelers, international students, military members or anyone who travels frequently.

Annual policies normally don’t offer coverage for cancelations. However, they do offer travel delay coverage, medical coverage with high limits, accidental death coverage and other benefits. Depending on your provider, you might be able to add optional riders to your plan like waivers for pre-existing conditions.

Cruise policies

Some travel insurance providers offer plans specifically for cruise ships. However, cruise insurance does not have to be just for cruises. Any SquareMouth medical insurance or single-trip insurance plan will cover your international cruise.

Before you buy a cruise insurance policy, make sure that every destination country is covered by the insurance provider. Some companies have limited availability. You can make sure your entire cruise is covered by chatting with a SquareMouth customer service representative before you buy your plan.

Adventure and sports policies

Most travel insurance policies don’t cover injuries caused by adventure sports. If you plan on scuba diving, skydiving, skiing or competing in sports while you’re abroad, you’ll want to look for an insurance provider that offers an adventure sports add-on.

SquareMouth lets you browse policies based on the benefits they offer. Search for “adventure and sports policies” to find an insurance plan that will cover all the activities on your trip.

Group policies

If you’re traveling with 10 or more people, you’ll want to find the best group rates for your travel insurance. Group travel insurance is ideal for school trips, missions, business trips and destination weddings.

When you search for insurance plans with SquareMouth, select “group policies” to find the best plans for groups of 10 or more.

SquareMouth travel insurance pricing

SquareMouth partners with a variety of insurance providers, so pricing will vary depending on the plan you choose. Remember that your SquareMouth travel insurance quote might not be exact. The insurance provider may have extra fees and will give you a more detailed estimate before you buy your plan.

SquareMouth does not charge extra for its services. You will pay the same amount when you buy a plan through the platform as you would if you buy directly from the insurance provider.

SquareMouth travel insurance financial stability

When browsing for plans on SquareMouth, you can check every insurance provider’s AM Best scores. AM Best is a non-biased platform that rates companies for their financial strength. The higher the financial strength rating, the more stable the insurance provider — that means you won’t have to worry about your insurance provider being unable to pay your claim or losing your coverage due to an insurance provider suddenly going out of business.

SquareMouth itself is a young company and does not have a financial strength rating. However, since it doesn’t sell its own insurance plans, your insurance isn’t at risk if SquareMouth goes under.

SquareMouth travel insurance accessibility

Accessibility is the name of the game for SquareMouth. The purpose of this platform is to make high-quality travel insurance plans more accessible. It provides side-by-side price comparisons, unbiased reviews and claims filing assistance for major insurance providers.

The only downside of SquareMouth’s accessibility is that some information might not be visible while you’re comparing plans. For full details about an insurance policy, including extra fees and exceptions, you should look it up on the provider’s website.

Availability

SquareMouth is available nationwide, but the insurance providers it works with have varying availability. Make sure your insurance plan offers coverage in your destination country before you buy.

Contact information

SquareMouth has a customer helpline and live chat services on its website. The helpline is open from 8 a.m. to 10 p.m. ET daily. Live chat services also have limited availability. If you want to reach a customer service representative outside of the available hours, the only option is to send an email.

User experience

Most SquareMouth Travel Insurance reviews report a fairly easy user experience. The website works as advertised for shopping and buying an insurance plan. However, the company receives some complaints about its customer service. It might be difficult to get a hold of a representative if you need help filing a claim or have questions about your plan.

SquareMouth travel insurance customer satisfaction

SquareMouth gets mixed reviews for its customer service. As an insurance comparison platform, it effectively lets shoppers find plans and compare quotes. But according to some customer complaints, its services beyond that are limited.

SquareMouth’s zero-complaint guarantee is legitimate, but it may take longer than the site advertises for assistance to kick in. Customer reviews report difficulty getting a hold of a customer service representative over the phone or through email.

SquareMouth travel insurance FAQ

How does squaremouth work.

SquareMouth is a travel insurance marketplace that simplifies the process of buying a plan. You can compare plans and make a payment on the site, but your insurance will be provided by another company. SquareMouth doesn't charge an additional expense for its services.

Does SquareMouth handle travel insurance claims?

No. You will have to file a claim directly with your insurance provider. But SquareMouth's zero-complaint guarantee offers assistance if you are unsatisfied with your insurance company's response to a claim and need more help.

Is SquareMouth safe to use?

Yes, SquareMouth is safe to use. This is a legitimate travel insurance marketplace that works directly with major providers. There are no hidden fees or extra charges to buy an insurance plan with SquareMouth.

How we evaluated SquareMouth travel insurance

We evaluated SquareMouth based on a number of critical factors. Those include:

• Customer complaints and reviews
• Variety of plan options
• Nationwide availability
• Customer service accessibility
• Pricing and hidden charges
• Third-party ratings

Summary of Money’s SquareMouth travel insurance review

SquareMouth is an established company and can simplify the process of shopping for travel insurance plans. It provides access to top insurance providers and allows you to compare plans side-by-side. You can always do the research yourself and review multiple insurance companies on your own, but many customers appreciate the convenience of having a lot of information at their fingertips all in one place.

Whichever travel insurance provider you choose, make sure to find the right plan for your budget, priorities and destination. And if saving money is a top priority for you, you may want to investigate other travel industry products. The best travel rewards credit cards come with cash-back and other perks that can help you spend less on your next adventure.

© Copyright 2023 Money Group, LLC . All Rights Reserved. This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

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Trawick Travel Insurance Review 2024

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If you're planning a trip, one of the most important things you can do is ensure you're protected if something goes wrong. That's where travel insurance comes in. Trawick International is among the best travel insurance companies with a variety of plans for different types of travelers, so you can find the coverage that's right for you. 

Here we'll look at the variety of plans Trawick offers, coverage amounts, costs, and how to file a claim. We'll also compare Trawick's most popular policies and other leading travel insurance providers' coverage.

Trawick International Travel Insurance Review

Trawick International travel insurance is one of the most popular travel insurance companies on the market, earning spots on our guides on the best cheap travel insurance and the best CFAR travel insurance . 

Trawick offers a wide array of policies, so you're sure to find one that will fit your travel plans. Even if you can't find a plan that is one-to-one with your trip, one of Trawick's stand-out options is its Safe Travel Flex plan, which allows you to build your own insurance plan from scratch. It includes travel cancellation and interruption insurance in addition to travel assistance. Everything else is optional, from medical coverage to baggage delay. 

Trawick has received an average Trustpilot rating of 4.2 across nearly 500 reviews and 4.1 across over 3,100 SquareMouth reviews. Trawick reviews on its headquarters in Alabama are mixed, averaging 3.3 stars across nearly 350 reviews. Negative reviews cited a difficult claims process and unresponsive customer service.

Trawick International Plans

Types of plans available.

• Safe Travels Trip Protection: With 10 plans under this umbrella, Trawick Trip Protection is highly customizable. You can even build a plan from the ground up with Safe Travles Flex. It covers domestic and international trips for US residents.
• SafeTreker:  Trawick's plan for adventure sports travel, SafeTreker covers sports equipment rental, search and rescue, and non-medical evacuation for over 450 sports.
• Safe Travels USA:  Trawick offers four tiers of insurance for non-US citizens and non-US residents traveling in the USA, offering accident and sickness coverage, emergency medical evacuation, and unexpected recurrence of a pre-existing conditions (limitations apply). 
• Safe Travels International:  Trawick offers two plans for non-US citizens and non-US residents traveling outside the US, covering emergency medical procedures, emergency evacuation, and repatriation. 
• Safe Travels Outbound: This plan offers primary but temporary travel insurance for US citizens and residents traveling outside the US. It includes medical and emergency evacuation coverage, including COVID-related illnesses.
• Safe Travels Annual:  Trawick offers three multi-trip annual travel insurance plans that offers emergency medical, baggage delay, and trip delay coverage for trips up to 30 days long. Trip cancellation coverage spans between $2,500 to $10,000 per year.
• Safe Travels Vacation Rental Protection plan: This plan covers non-refundable expenses such as airfare, hotels, vacation rentals, and other pre-paid trip deposits. It's only available for US residents.
• Collegiate Care Essential plan: This plan is designed for students studying abroad for study and research purposes. It offers coverage for up to $300,000 in medical expenses, with a limit of $150,000 per injury or sickness. COVID-19 medical expenses are covered with the plan, as is coverage for sports activities.

Regardless of which policy you choose, it's vital to study each of them closely to see what is and isn't covered in the one you choose.

Key Features and Benefits

Trawick International travel insurance offers several plans for different types of travelers with different needs. The coverage levels and premiums will vary depending on the traveler's age, trip costs, and destination.

Below is a list of six travel insurance plans Trawick offers with its Trip Protection plan:

Additional Coverage Options

Trawick International travel insurance offers additional coverage options on specific plans. Some come with no extra charge. Others cost extra. And only some policies allow for these additional coverage options.

Additional coverage options include:

Rental car damage coverage:  It's possible to add this coverage to certain plans from Trawick, like its Safe Travels First plan. This coverage will reimburse damage to a rental car up to an allowed amount.

Pre-existing condition coverage:  Pre-existing condition waivers are available if you purchase travel insurance within seven to 21 days of booking your flight, depending on the policy.

CFAR coverage: "Cancel for any reason" coverage can only be added to Trawick's Armor, Journey, Voyager, First Class, Flex, and Rental Plus plans. This add-on allows travelers to cancel their trip, for any reason, up to two days before departure and get 75% of trip costs reimbursed. CFAR coverage is only available for US residents and US citizens.

How Much Does Trawick International Cost?

Getting a quote from Trawick is a straightforward process. You can visit its website or use an insurance comparison site like Squaremouth.

You must provide traveler and trip details like your date of birth, state of residence, destination, and trip costs. With this information, you should be able to get quotes for the different plans available almost instantly.

Below are a few real-world examples of coverage options and costs from Trawick as of April 2024.

For example, let's look at what it would cost to insure a 35-year-old resident of Ohio spending $8,000 on a two-week trip to France. Below are the costs for each of the six different coverage options.

The cost of coverage ranges from the bottom-tier Safe Travels Explorer plan at $257.04 to the top-tier Safe Travels First Class policy for $453.33. That equates to about 3% to 6% of the total trip cost, which is on the lower end when compared to the average cost of travel insurance .

Now let's look at the cost of coverage for a 55-year-old from Colorado traveling to Argentina and spending $6,000 on a three-week trip.

The premiums for this traveler are higher, but that's to be expected given their age. The lowest cost Safe Travels First Class plan costs $243.23 and the top-tier Safe Travels Voyager costs $574.14. That represents a cost of between 4% and 9.5% of the total trip cost, higher than the previous example but still within industry averages.

Lastly, we'll look at the premium costs for a 45-year-old resident of Texas traveling to Fiji for two weeks and spending $7,000 on the trip.

The lowest cost plan in this scenario is the Safe Travels Explorer plan, which runs $284.28. And the most expensive is the Safe Travels First Class, at $405.54. You're paying between 4% and 5.8% of the total trip cost at these prices. Again, that's right on track with the averages in the travel insurance industry.

Filing a Claim with Trawick Travel Insurance

Trawick International travel insurance has several different claims departments and forms, so how you file a claim will vary depending on the coverage you purchase.

You can find claims forms and contact information on Trawick's claims forms page . That's where you'll find information regarding where to mail or email your claim form and contact information for the appropriate claims group.

Reviews on SquareMouth and Google say claims process can take up to several months and require constant hassling. To avoid additional issues with the claims process, be sure to keep thorough documentation of any unexpected costs incurred during travel. Additionally, you should be as specific as possible when filing a claim.

Compare Trawick Travel Insurance

See how Trawick stacks up against the competition. 

Trawick International vs. Allianz Travel Insurance

Allianz and Trawick International travel insurance are similar in offering several different coverage options.

Allianz offers 10 travel insurance plans, including one-off and multi-trip policies. So you'll have options whether you're looking to cover a specific trip or plan to take multiple trips a year. Of course, the different plans offer varying levels of coverage, and the premiums depend on the traveler and trip specifics.

Allianz's most popular single-trip travel insurance option, the OneTrip Prime plan, offers up to $100,000 in trip cancellation coverage, up to $150,000 in trip interruption coverage, $50,000 in emergency medical coverage, up to $1,000 in coverage for baggage loss, theft, or damage, and up to $800 in travel-delay coverage.

Trawick's most comparable plan is its Safe Travels Explorer Plus plan, which offers up to $100,000 in trip cancellation and interruption coverage, $50,000 in emergency medical coverage, up to $750 for personal effects, and trip delay coverage of $500.

The best way to decide which company to go with is to compare quotes using your specific trip details and personal information, as those are the details that will affect the cost the most.

Read our Allianz travel insurance review here.

Trawick International vs. Nationwide Travel Insurance

Nationwide is a household name when it comes to insurance providers and one of the most well-known and recognized insurance firms in the US. By providing just two single-trip options, the Essential and Prime plan, Nationwide travel insurance has made it simple to find coverage. Nationwide also offers yearly trip insurance for those that travel a lot throughout the year, as well as Cruise specific plans and annual trip insurance.

To compare the two companies, we'll put Nationwide's Essential plan beside Trawick International travel insurance's middle-of-the-road Safe Travels Single Trip plan.

Nationwide's Essential Plan provides up to $10,000 in trip cancellation coverage, up to $250,000 in emergency medical evacuation, up to $150 per day ($600 maximum) reimbursement for travel delays of six or more hours, and coverage for delayed or lost baggage.

In comparison, Trawick's Safe Travels Single Trip plan offers 100% of the insured trip (up to two times the trip cost) in trip cancellation coverage, $350,000 in emergency medical evacuation, and up to $200 per day ($600 maximum) for travel delays of 12 or more hours, and lost and delayed baggage coverage.

So, this particular plan from Trawick offers slightly higher coverage limits for most of the coverages compared.

The high-tier Prime Plan from Nationwide offers even more coverage, including up to $30,000 in trip cancellation, up to $1 million in coverage for emergency medical evacuation, up to 200% of the trip cost (maximum of $60,000) in trip interruption coverage, and $250 per day for trip delays of six or more hours.

To compare, Trawick's highest-tier Safe Travels Voyager plan comes with trip cancellation coverage of up to $100,000, up to $1 million in emergency medical evacuation, up to 150% of the insured trip cost for trip interruption, up to $2,000 maximum reimbursement for travel delays, and coverage for delayed or lost baggage.

Comparing these two policies, you see how it's somewhat of an apples-to-oranges comparison, as some coverage limits are higher or lower. And don't forget that the coverage premiums will vary depending on the traveler and trip specifics.

Read our Nationwide travel insurance review here.

Trawick International vs. Credit Card Travel Insurance Benefits

Be sure to compare the coverage of travel insurance plans with the coverage offered by your rewards credit cards before purchasing a travel insurance policy. Some basic coverage, like rental car insurance, could already be available through one of your existing cards.

If you're on a road trip and all your expenses are refundable, or if your health insurance covers you while abroad and you don't think you'll have many medical bills, the coverage from your credit card may be sufficient.

It's also worth noting that in most cases, credit card travel protection is only supplementary to a travel insurance policy. This implies you'll have to file your claim with the other relevant insurance (such as the airline) before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Trawick International Travel Insurance FAQs

Is trawick international a reputable company.

Trawick International travel insurance is a very popular and reputable travel insurance provider. The company has been in business since 1998 and is known for offering solid coverage options at affordable prices.

Does Trawick travel insurance include round-the-clock customer assistance?

Trawick's policies included access to 24/7 travel assistance. Travelers can reach a customer service representative by phone, email, and live chat. Representatives can answer questions about the travel insurance and trip cancellation plans available, help purchase the right plan for an upcoming trip or cruise, and assist with changes to already purchased plans. The toll-free number is 888-301-9289. You can reach the company by email at [email protected] . Live chat is available on its website.

Does Trawick International Offer CFAR Coverage?

CFAR (cancel for any reason) is one of the many coverages buyers can expect in Trawick International plans. Always check individual plans to ensure you get all the coverages you want.

How does Trawick handle coverage for COVID-19 related issues?

Trawick handles COVID-19 illnesses like any other illness.

Why You Should Trust Us: How We Reviewed Trawick International

We compared Trawick International's travel insurance offerings to those of the best travel insurance companies to help you find the policy that fits your needs. When reviewing a policy, we considered coverage options and limits, what's included in your plan, add-ons available, and costs. The best policy for you is one that offers adequate coverage without breaking the bank.

Choosing the best policy for you and any co-travelers is about selecting a policy with the right type of coverage and adequate coverage limits. Ideally, you should ensure that it works well in your budget and allows you to submit a claim quickly. You can read more about  how we rate travel insurance products  here.

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