compare travel insurance online

Compare Travel Insurance Plans - It's Simpler Than You Think

• 22 Top-Rated Providers
• Side-by-Side Comparison
• 3 Million+ Travelers Insured

Explore Travel Insurance Types and Quotes

Standard single trip policies.

Our top plan type that covers cancellations, medical emergencies, delays, and luggage, protecting you from purchase to return.

Annual / Multi Trip Policies

A cost-effective choice for frequent travelers, these plans include medical, delay, and luggage benefits, with optional add-ons for trip cancellation or interruption.

Cruise Insurance Policies

Offers comprehensive protection for land and sea trips, with high medical coverage and weather safeguards.

Adventure & Sports Policies

Adrenaline-seeker? No problem. These plans cover lost or delayed sports equipment, cancellations, and medical emergencies.

Quote, Compare, and Go

Finding the best coverage for your trip is easy. Get personalized quotes from top providers in minutes.

Tell us some basic details about your trip to start your quote and we’ll handle the rest.

See how plans from the best travel insurance companies compete side-by-side.

Choose the perfect policy at the lowest price and travel with peace of mind.

Join More Than 3 Million Protected Travelers

Let’s face it, traveling these days can be expensive. That’s why we make it quick and easy to compare affordable travel insurance policies from the nation’s most trusted providers. Since your trip deserves the best coverage, we make sure that every plan on our site is carefully vetted and backed by real customer reviews.

• America’s largest travel insurance marketplace
• Intuitive & user-friendly comparison engine
• Lowest prices, guaranteed
• Multi award-winning customer service team
• 150,000+ customer reviews

Save With Squaremouth

No bias. No hidden fees. All the support. That’s why for 20 years, our customers keep coming back.

What Travel Insurance Benefits Do I Need?

Check out the comprehensive benefits our providers offer and find the perfect policy to meet your travel needs.

What Coverage is the Most Important?

Squaremouth customer reviews.

More than 99% of customers would recommend Squaremouth to others. Read what a few of them had to say about their recent experience buying travel insurance.

Great price

"I looked for alternative travel insurance besides Allianz. I'm glad I searched because I got just what I needed and a very good price!"

Kent from MA 06/20/2024

Easy to Use

"Squaremouth makes shopping for travel insurance easy by allowing a side-by-side comparison of policies and offering endlessly customizable filters."

Stephanie from MI 06/12/2024

10 star customer service

"Beyond best in class service levels. The expertise and information shared was amazing."

Susan from GA 06/03/2024

Great selection, Easy choosing

"It's always good to see all choices when decisions about insurance are concerned. I always go to Squaremouth when I need travel insurance."

Spencer from NV 06/03/2024

"Website was easy to navigate. Numerous options for insurance. Excellent filter opportunities."

Featured Articles

Our topic experts keep a constant pulse on the travel industry so we can provide the most current information and recommendations based on today's traveler needs.

Most Popular Types of Travel Insurance

When it comes to travel insurance, there’s no such thing as a “one-size-fits-all" policy. Discover the different types of travel insurance coverage you should consider for your upcoming trip.

10 Ways to Get Great Coverage For Less

When it comes to travel insurance, more expensive does not necessarily mean better. We uncover 10 proven tactics you can use during your search to lower premiums without sacrificing protection.

Our Travel Insurance Experts are Available

Have questions? We have answers.

What Does Travel Insurance Cover?

Travel insurance is designed to cover out-of-pocket expenses relating to an unforeseen disruption to your trip. The majority of policies sold through Squaremouth are comprehensive and offer coverage for trip cancellations, medical emergencies, significant delays, and mishandled or lost luggage.

How Much Does Travel Insurance Cost?

Comprehensive travel insurance usually costs between 5% to 10% of your insured trip expenses. Factors like your trip cost, age, trip length, and coverage needs can impact pricing . You can lower your premium by comparing plans and choosing policies that don’t include cancellation coverage.

What Should I Look for When Comparing Travel Insurance?

There’s no one-size-fits-all policy when it comes to travel insurance. When comparing plans, you should consider the following:

• Benefits: The situations and expenses that are covered by a travel insurance policy.
• Coverage Limits: The maximum dollar amount that will be reimbursed within each benefit.
• Exclusions: Specific activities, expenses, and scenarios that are not covered in the event of a claim.
• Premium: The cost of the policy for your specific trip.
• Provider Reputation: Based on past customer reviews regarding interactions with assistance services and the claims experience.

Will My Policy Cover Trip Cancellations?

Yes, many comprehensive travel insurance plans cover cancellations for reasons like sudden illness, injury, death of a family member, natural disasters, or unexpected work obligations. Policies with Trip Cancellation benefits usually offer 100% reimbursement for prepaid, non-refundable trip costs.

Where Can I Buy Travel Insurance?

Travelers can purchase travel insurance directly from providers, through a comparison site like Squaremouth, or directly through a travel supplier when booking. Credit cards and travel agents are other sources to consider. Choosing the right travel insurance company can take time. We recommend comparing plans from at least 3-5 providers before buying.

Is Travel Insurance Mandatory for International Travel?

Travel insurance is not typically required when traveling overseas. The majority of travel insurance customers purchase their plans voluntarily for peace of mind and financial protection. With that said, some destinations or organized tours may require proof of international health insurance that lasts for the duration of your trip.

Does Travel Insurance Cover Canceled Flights?

Yes, the majority of travel insurance plans provide reimbursement if your flight is canceled and your travel plans are significantly delayed. You may be eligible for coverage through your policy’s Travel Delay or Trip Cancellation benefit depending on how soon you’re able to be rebooked.

Is Travel Insurance Necessary for International Travel?

Travel insurance acts as a financial safety net as you explore the world. Since most U.S. healthcare plans don’t extend coverage overseas, travel insurance can act as an international health insurance plan that protects you from unexpected medical expenses you may face during a trip. While rare, certain destinations or tour operators may require proof of travel insurance that lasts for the duration of your trip.

Are Pre-Existing Conditions Covered by Travel Insurance?

It depends. Many travel insurance plans exclude coverage for pre-existing conditions, but some offer wavers, if you purchase within 14-21 days of your initial trip deposit. Check your policy details carefully to understand the specifics.

What’s the Difference Between Single-Trip and Annual Travel Insurance?

Single-trip travel insurance covers you for one specific trip and is the most popular choice. Annual Travel Insurance on the other hand, covers multiple trips within a year. If you travel frequently, an annual plan can be more cost-effective and convenient than buying individual policies for each trip.

How Do I File A Travel Insurance Claim?

Each provider will have their own unique claims process. However, most will include the following steps:

• Contact your insurer: Notify them as soon as possible about the incident.
• Gather documentation: Collect relevant documents, such as police reports, medical records, or receipts for expenses incurred.
• Complete the claim form: Fill out the insurer's claim form with accurate details.
• Follow up: Stay in touch with the insurer for updates on your claim status.

View our Claims Center for more information on filing a travel insurance claim.

The best travel insurance policies and providers

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

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

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

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

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

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

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

The best travel insurance providers

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

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

AIG Travel Guard

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

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

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

Preexisting conditions

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

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

Standout features

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

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

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

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

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

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

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

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

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

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

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

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

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

Purchase your policy here: American Express Travel Insurance .

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

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

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

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

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

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

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

Purchase your policy here: GeoBlue .

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

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

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

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

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

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

Purchase your policy here: IMG .

Travelex Insurance

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

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

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

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

Purchase your policy here: Travelex Insurance .

Seven Corners

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

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

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

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

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

Purchase your policy here: Seven Corners .

World Nomads

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

World Nomads offers two single-trip plans.

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

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

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

Purchase your policy here: World Nomads .

Other options for buying travel insurance

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

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

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

Is travel insurance worth getting?

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

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

What is the best COVID-19 travel insurance?

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

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

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

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

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

What are the different types of travel insurance?

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

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

Should I buy travel health insurance?

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

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

How much does travel insurance cost?

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

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

When and how to get travel insurance

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

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

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

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

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

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

Bottom line

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

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

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

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

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

7 Best Cheap Travel Insurance Companies in July 2024

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

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

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

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

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

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

» Learn more: The best travel insurance companies right now

Factors we considered when picking cheap travel insurance plans

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

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

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

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

» Learn more: Is travel insurance worth getting?

An overview of the best cheap travel insurance plans

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

Reliable but cheap travel insurance providers

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

Why we picked it:

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

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

Among the lowest prices we found.

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

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

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

Includes a preexisting medical condition waiver.

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

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

3. IMG (iTravelInsured Lite plan: $77)

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

Covers costs related to trip interruption up to 125% 

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

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

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

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

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

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

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

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

5. Nationwide (Essential plan: $76)

Includes a preexisting conditions waiver.

Add-on rental car coverage for $90. 

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

6. Seven Corners (Basic plan: $75)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

, missed connection, baggage and other protections.

How to maximize your rewards

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

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

You are about to leave geico.com

When you click "Continue" you will be taken to a site owned by , not GEICO. GEICO has no control over their privacy practices and assumes no responsibility in connection with your use of their website. Any information that you provide directly to them is subject to the privacy policy posted on their website.

Travel Insurance

Get a travel insurance quote and protect your next trip

For flight insurance protection:

AirCare Flight Quote

For all-in-one trip insurance protection:

ExactCare Travel Quote

Manage Your Travel And Flight Insurance

Manage your policy online

Need a travel insurance quote?

Existing policyholder?

Why Travel Insurance Matters

Travel insurance provides peace of mind by offering protection against a wide range of travel-related risks. From covering non-refundable trip costs in case of cancellations to providing financial assistance for medical emergencies abroad, a comprehensive travel insurance plan ensures you are prepared for the unexpected.

AirCare Flight Insurance

If you only need to protect your travel costs for a flight, AirCare may be what you need. With affordable coverage for both domestic and international flights, AirCare flight insurance helps you plan with peace of mind.

ExactCare Travel Insurance

If you want to cover your flight and other trip arrangement's ExtraCare can help. An ExactCare Travel Insurance policy can help with the unexpected, such as:

• Trip Cancellations/Interruptions/Delays
• Lost/Stolen travel documents
• Unexpected medical expenses

What's the difference between flight insurance and travel insurance?

Flight insurance is a type of travel insurance that offers specific financial protection for air travel issues. Whereas travel insurance provides coverage for the entire travel experience from trip cancellations to medical emergencies and beyond.

What Flight Insurance Covers

AirCare Flight Insurance has a variety of benefits including emergency travel assistance, 24/7/365. Some common flight coverages are:

• Airfare incase flights are cancelled or you miss a connection
• Personal items like lost or delayed luggage
• Flight delays in your departure (at the gate or on the tarmac)

AirCare Quote

What Travel Insurance Covers

ExactCare Travel Insurance offers comprehensive protection tailored to residents of specific states or regions, with benefits that may vary depending on your location. This all-in-one travel protection comes with family friendly pricing and worldwide emergency travel assistance 24/7/365. Common things covered by travel insurance are:

• Trip cancellation or interruption
• Personal items like passports and luggage
• Medical costs like hospital and doctor expenses, medical evacuations, and more

ExactCare quote

Travel Insurance Additional Coverage

Travel insurance optional coverage upgrades vary by plan. They are tailored to meet your specific needs and offer an extra layer of security for unforeseen circumstances. Some popular travel insurance coverage options from GEICO include:

Cancel for Any Reason (CFAR) Coverage: This type of coverage allows travelers to cancel their trip for any reason not covered by standard trip cancellation policies. It typically reimburses a percentage of the prepaid, non-refundable trip costs.

Rental Car Collision Coverage: This optional coverage provides protection against damage to rental vehicles due to collision, theft, or vandalism while traveling.

Baggage Delay or Loss Coverage: This coverage reimburses travelers for essential items, such as clothing and toiletries, lost due to baggage delay or loss.

Pre-existing Medical Condition Coverage: Some travel insurance policies offer coverage for pre-existing medical conditions, which may otherwise be excluded from standard policies. Please note that this coverage can't be purchased as upgrades or add-ons. Please contact our specialist to learn more about this coverage as other restrictions may also apply.

Natural Disaster Coverage: Provides coverage for trip cancellations, interruptions, or delays due to natural disasters such as hurricanes, earthquakes, or floods. Please note that this coverage can't be purchased as upgrades or add-ons. Please contact our specialist to learn more about this coverage as other restrictions may also apply.

Pet Coverage: This optional coverage reimburses travelers for expenses related to pet care if they need to extend their trip due to unforeseen circumstances. It does not provide the same coverage as dedicated pet insurance policies, so be sure to check with your provider for specifics.

Extended Personal Liability Coverage: Offers protection against third-party claims for bodily injury or property damage caused by the traveler while on their trip.

What Travel Insurance Does Not Cover

Your travel insurance is based on the plan you choose. However, travel insurance does not usually cover the following:

• Action and team sports, for example auto racing, pro sports travel, or other extreme sport activities
• Travel to get medical care
• Trip Cancellation because you changed your mind

For more information, please check your policy.

Is travel or trip insurance worth the cost?

Travel insurance can help protect your vacation or trips from unexpected things happening. You can travel without trip insurance but doing so brings greater risk if something goes wrong or you encounter unexpected delays. Flight insurance or trip insurance coverage can include things like flight cancellation, lost luggage, trip cancellation, emergency medical transportation, and more. Learn more about travel insurance and why you should get a travel insurance quote today!

How Much is Travel Insurance?

Travel insurance typically costs 5 to 10 percent of your total trip cost, though that can be influenced by several things.

• The cost of the trip
• The length of your trip and destination
• The amount of coverage selected
• The number of travelers covered under the policy

Travel Insurance Worldwide Service and Claims Information.

It's easy to manage your travel insurance..

Berkshire Hathaway Travel Protection (BHTP) has made it easy to manage your travel insurance. You can:

• Visit Berkshire Hathaway Travel Protection's website
• Email [email protected]

Is travel insurance worth it?

Yes. Things happen that are out of your control. Whether it's your flight being cancelled or delayed to a family emergency. Life happens and that's how travel insurance can help. Plan for the unexpected with a travel insurance policy so you can rest easy knowing you're covered.

Travel Insurance FAQs

• What travel insurance plans are available? BHTB offers AirCare (flight only) and 3 main plans: ExactCare Value, ExactCare, and ExactCare Extra. ExactCare Value provides great traveling insurance coverage for budget minded travelers. You can rest easy knowing you're covered for things like trip cancellation, trip interruption, and medical expenses. The main difference is the maximum amount that will be covered. ExactCare and ExactCare Extra's insurance cover the same things as ExactCare Value and add coverage for missed connections and accidental death & dismemberment. The overall amount covered is also increased for each plan respectively.
• Is there travel insurance that can cover my vehicle while traveling to Mexico? Your US auto insurance policy won't cover your vehicle when you drive into Mexico. We're here to help you find the Mexico car insurance you need to insure your car.
• How can I save money on my next trip? No one wants to overpay things. We're here to help. Check out our 5 ways to save your money on your next family vacation.
• Where you're going
• Number of days you're traveling
• Cost of your overall trip
• Coverage you pick
• Number of people covered under your policy and more
• How Can I Get Travel Insurance? To get GEICO travel insurance, visit the GEICO website and navigate to our travel insurance section. There, you can review the different plans available, which include coverage for trip cancellations, medical emergencies, lost luggage, and more. You can get a quote by entering your travel details and personal information.
• When Is It Too Late to Buy Travel Insurance? It's generally too late to buy travel insurance once your trip has started, or a loss has occurred. Most policies must be purchased before departure, with some providers allowing purchases until the day before.
• How Much Travel Insurance Do I Need? The amount of travel insurance you need depends on your trip cost, destination, duration, and personal risk factors, such as your age and health. In general, you should aim for coverage that includes medical expenses, trip cancellations, lost luggage, and emergency evacuation. You may want to consider higher limits for expensive or high-risk destinations.
• How Can I Add Travel Insurance After Booking a Flight? To add travel insurance through GEICO after booking a flight and before travel begins, visit the GEICO website, navigate to our travel insurance section, and apply for coverage. You can also call our dedicated customer service team for assistance.

If you choose to get a rate quote or service your policy online, you will be taken to the Berkshire Hathaway Travel Protection website which is owned by Berkshire Hathaway Specialty Insurance Company, not GEICO. Travel Insurance is underwritten by Berkshire Hathaway Specialty Insurance Company; NAIC #22276. Any information that you provide directly to Berkshire Hathaway Specialty Insurance Company on its website is subject to the privacy policy posted on their website, which you should read before proceeding. GEICO assumes no responsibility for their privacy practices or your use of their website.

ExactCare is provided through Berkshire Hathaway Global Insurance Services, LLC. ExactCare and AirCare are underwritten by Berkshire Hathaway Specialty Insurance Company. Both coverages are secured through the GEICO Insurance Agency, LLC.

Benefits may vary by jurisdiction. Please contact a representative to confirm availability.

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

8 Cheapest Travel Insurance Companies Worth the Cost

Trawick International »

World Nomads Travel Insurance »

AXA Assistance USA »

Generali Global Assistance »

Seven Corners »

Allianz Travel Insurance »

IMG Travel Insurance »

WorldTrips »

Why Trust Us

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

Table of Contents

• Trawick International
• World Nomads Travel Insurance
• AXA Assistance USA

There are plenty of smart ways to save money on your travel plans, but refusing to buy travel insurance isn't necessarily one of them. Not having travel insurance can mean being on the hook for exorbitant medical bills or costs for emergency transportation if you become sick or injured during your trip. You could also face significant financial losses if your trip is delayed or your bags are lost or stolen, and without travel insurance you won't have a third party to rely on for assistance.

Buying affordable travel insurance makes more sense than skipping this coverage altogether, so read on to find out which companies offer the cheapest plans and all the protections you can get for a low cost.

How We Chose the Cheapest Travel Insurance Companies

To determine the cheapest travel insurance companies, U.S. News created sample traveler profiles for three separate eight-day trips to different destinations (the Cayman Islands, Spain and California) at a range of price points ($6,500, $10,500 and $8,500, respectively). We used that information to get quotes for the cheapest option for 100% trip cancellation coverage for each trip. We then calculated the average cost of the trips.

The travel insurance companies that made our ranking have a high credit rating and offer the lowest average cost, outlined below. (Note: The sample average costs are not price quotes from U.S. News. To find a travel insurance price quote, use the "View plans" link to enter your trip details and find more information.)

• Generali Global Assistance
• Seven Corners
• Allianz Travel Insurance
• IMG Travel Insurance
• Trip cancellation coverage (up to $30,000) for 100% of the insured vacation
• Trip interruption coverage (up to $30,000) for 100% of the insured vacation
• Trip delay coverage worth up to $1,000 ($150 per day for delays of 12 hours or more)
• $750 in coverage for lost and damaged luggage; $200 for baggage delays
• Up to $500 in coverage for missed connections of three hours or more
• Up to $50,000 in emergency medical coverage ($750 sublimit for emergency dental)
• Up to $200,000 in coverage for emergency medical evacuation

SEE FULL REVIEW »

• Up to $2,500 of trip protection for cancellation or interruption
• Up to $1,000 in coverage of lost, stolen or damaged baggage; up to $750 for baggage delays on your outward journey
• Up to $100,000 in emergency medical insurance; $750 dental sublimit
• Up to $300,000 in coverage for emergency medical evacuation
• 24-hour travel assistance services
• Up to 100% coverage for trip cancellation and interruption
• Up to $500 in coverage for trip delays ($100 per day)
• Up to $500 in coverage for missed connections
• Up to $25,000 in coverage for emergency medical expenses
• Up to $100,000 in coverage for emergency medical evacuation
• Up to $750 in coverage for baggage and personal effects; $200 for baggage delays
• Up to $10,000 in coverage for accidental death and dismemberment (AD&D)
• Up to $25,000 in coverage for common carrier AD&D
• Coverage up to 100% of the insured vacation for trip cancellation
• Up to 125% of the insured vacation cost for trip interruption
• Travel delay coverage worth up to $1,000 per person ($150 per person daily limit)
• Up to $1,000 per person for lost, damaged or stolen bags; $200 per person for baggage delays
• Up to $500 per person for missed connections
• Up to $50,000 in emergency medical and dental coverage
• Up to $250,000 in coverage for emergency assistance and transportation
• AD&D coverage for air travel worth up to $50,000 per person ($100,000 per plan)
• Trip cancellation coverage up to $30,000
• Trip interruption coverage up to 100% of the cost of the trip
• Trip delay coverage worth up to $600 (for six-hour delays; $200 limit per person per day)
• Lost, stolen or damaged baggage coverage up to $500
• Baggage delay coverage worth up to $500 (for six-hour delays; $100 per day)
• Missed cruise or tour coverage worth up to $500 ($250 per day)
• Emergency accident and sickness medical coverage worth up to $100,000 (secondary coverage)
• Up to $750 in emergency dental coverage
• Up to $250,000 in protection for emergency medical evacuation and repatriation of remains
• Trip cancellation coverage worth up to $10,000 per traveler
• Trip interruption coverage worth up to $10,000 per traveler
• Travel delay coverage worth up to $300 ($150 per day)
• Luggage loss and damage protection up to $500 per traveler
• Baggage delay coverage worth up to $200 per day
• Emergency medical and dental coverage up to $10,000 ($500 for dental expenses)
• Emergency medical transportation coverage worth up to $50,000
• 24-hour hotline assistance
• Up to 100% in coverage for trip cancellation
• Trip interruption benefit worth up to 125% of the trip cost
• Up to $500 for travel delays per person ($125 daily maximum per person)
• Up to $750 for lost, damaged or stolen bags ($250 maximum per item)
• Up to $150 in luggage delay coverage
• Up to $100,000 in emergency medical coverage
• Up to $500,000 in coverage for emergency medical evacuation and repatriation of remains
• Trip cancellation coverage worth up to 100% of trip cost (up to $10,000)
• Trip interruption coverage up to 100% of trip cost
• Up to $500 in coverage for travel delays (five-hour delay required; $100 daily limit)
• Coverage worth up to $1,000 for lost, damaged or stolen baggage ($250 per item)
• Coverage worth up to $200 for baggage delays of 12 hours or more
• Up to $250 in coverage for airline reissue or cancellation fees
• Up to $250 in coverage for reinstatement of frequent traveler awards
• Emergency medical and illness coverage worth up to $10,000
• Up to $500 in coverage for emergency dental expenses
• Up to $250,000 in coverage for emergency medical evacuation and repatriation of remains
• AD&D coverage worth up to $10,000
• Travel assistance services

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

You might also be interested in:

Is Travel Insurance Worth It? Yes, in These 3 Scenarios

Holly Johnson

These are the scenarios when travel insurance makes most sense.

9 Best Travel Insurance Companies of 2024

Find the best travel insurance for you with these U.S. News ratings, which factor in expert and consumer recommendations.

The 5 Best International Travel Insurance Companies for 2024

International travel insurance is a must-have for every trip abroad, and for more reasons than one.

Does My Health Insurance Cover International Travel?

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

• My Account My Account
• Cards Cards
• Banking Banking
• Travel Travel
• Rewards & Benefits Rewards & Benefits
• Business Business

MarketWatch Guides is a reviews and recommendations team, independent of the MarketWatch newsroom. We might earn a commission from links in this content.  Learn More

Travel Insured International Review and Pricing (2024)

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Anna Douglas is a journalist and editor with over a decade of experience in newspapers and digital publishing.

Here’s a breakdown of how we reviewed and rated the best travel insurance companies

• Average cost: $199
• Better Business Bureau (BBB) rating: A+
• AM Best score: A
• Medical expense max: $100,000
• Emergency evacuation max: $1 million

Our Thoughts on Travel Insured International

We gave Travel Insured International 4.4 out of 5 stars and named it our pick for well-rounded coverage. While it only offers two standard plans for single trips and one annual policy for multi-trip travelers, its coverage is comprehensive and may be worth it for many travelers . Unique coverages include $50 per day for pet kennel costs, emergency evacuation in the event of political unrest, security issues or natural disasters, and more.

Travel Insured International offers 24/7 customer assistance and concierge services with every plan. While its strengths include its variety of add-ons and flat-rate costs for annual and multi-trip plans, Travel Insured International may offer lower coverage limits than some competitors. Its most basic single-trip plan, Worldwide Trip Protector Edge, offers just $10,000 in medical expense coverage and $300 in trip delay protection to cover costs such as hotels or meals. However, the provider’s higher-tier plan, Worldwide Trip Protector, ups medical coverage to $100,000.

While we appreciate how well-rounded Travel Insured International’s coverage plans are, customers may want to look elsewhere for higher limits on both medical and trip interruption or delay coverage. For example, some competitors, such as Seven Corners , offer medical expense maximums upwards of $500,000.

Pros and Cons

• Has both single-trip and annual multi-trip policies
• Provides unique coverages as standard, such as pet kennel coverage
• Single-trip plans last up to 180 days
• Offers a variety of optional add-on coverages
• Coverage limits are lower than many competitors, according to our research
• Pre-existing medical conditions coverage is not available on multi-trip policies
• Some policies aren’t available in every U.S. state

Why Trust Us?

How travel insured international scored in our methodology.

After analyzing Travel Insured International using our in-depth travel insurance ratings methodology, the company earned an overall score of 4.4 out of 5 stars . 

Travel Insured International earned high marks for cost, coverage features, claim eligibility windows, and trip cancellation and interruption coverage. It also earned bonus points in our customer service and reviews rating category. Despite this, the provider lost points in all categories except for its add-on CFAR coverage , which gives travelers substantial flexibility for reimbursement if trip plans change.

Rating is based off of MarketWatch Methodology Guidelines

When asked for comment regarding the company’s lower score regarding coverage extras, a representative said: “Travel Insured offers a variety of additional coverages and packages to meet travelers’ needs, including jewelry (subject to special limitations), and optional coverage for electronic equipment.”

Compare Travel Insured International to the Competition

See the table below for a direct comparison of Travel Insured International to our other top-rated providers in the travel insurance industry.

Travel Insured International vs. Faye

Travel Insured International and Faye’s comparable plans have more differences than similarities. The two offer identical coverage amounts for trip cancellations and interruptions but Travel Insured International has the upper hand in emergency evacuation coverage limits, offering twice as much as Faye. It’s also cheaper, on average, than Faye and provides a higher reimbursement limit for baggage delays.

However, Faye’s coverage for emergency medical expenses comes with a maximum of $250,000 per person — more than double that of Travel Insured International. Similarly, if your trip is delayed for a covered reason, Faye’s trip delay benefit is triple the amount Travel Insured International offers. Faye also provides double the amount of coverage if your luggage or bags are lost or stolen. While Faye’s Travel Protection plan is more expensive, it has higher overall protection limits than Travel Insured International’s Worldwide Trip Protector plan.

Read more in our Faye Travel Insurance Review .

Travel Insured International vs. Travelex

Customers will find similar pricing with Travel Insured International’s Worldwide Trip Protector and Travelex’s Travel Select plans but certain features may add value for individual travelers. For example, Travelex offers half of the amount of travel medical insurance and emergency evacuation coverage that Travel Insured International does in its Worldwide Trip Protector plan. Travelex also offers lower reimbursement for baggage delays compared to Travel Insured International. However, Travelex’s trip delay protection is $500 higher, which helps cover costs like hotels and meals if your travel is delayed.

Both companies offer the exact same coverage amounts for trip cancellations, trip interruptions and lost baggage.

Learn more in our Travelex Travel Insurance Review .

What Does Travel Insured International Cover?

Travel Insured International offers two single-trip travel insurance policies with coverage lasting up to 180 days. If you’re looking for annual coverage for multiple trips, Travel Insured International offers separate plans for adults and children, starting at $94 and $64 per year, respectively. However, multi-trip plans aren’t available to Missouri, Montana, New York, Pennsylvania and Washington residents.

Single-trip policies carry maximum coverage limits with no deductible and provide benefits for trip cancellation , trip interruption, trip delay coverage , baggage coverage, medical expense and evacuation coverage, pet kennel costs and more. Travel Insured International’s multi-trip plans offer much of the same coverage as its single-trip plans.

If you’re not satisfied with your coverage, Travel Insured International allows you to cancel your policy for a full refund within 14 days of the policy’s effective date. Note that this provider is a Crum and Forster (C&F) company, which is rated “Excellent” with an A score from AM Best. Learn more about Travel Insured International’s two single-trip policies and its annual, multi-trip coverage options in the section below.

Travel Insured International Policy Options

While secret shopping, we found it was easy to get a quote and plan information for Travel Insured International’s policies. Online, you can compare plan details and coverage and access sample policies without inputting any personal information. To get a quote, you’ll need to provide some general information about your exact travel plans and your email address.

If you plan to take a single trip lasting less than 180 days, you’ll have your pick of two plans from Travel Insured International: Worldwide Trip Protector and Worldwide Trip Protector Edge. Trip Protector Edge is the cheaper of the two plans but doesn’t include coverage for pet kennel costs, accidental death and dismemberment (AD&D) benefits or the additional security evacuation coverages that Worldwide Trip Protector offers.

All other coverages offered remain the same between the two single-trip plans. However, it’s important to note that limits for medical evacuations, medical expenses, baggage coverage, and more are lower with the Worldwide Trip Protector Edge plan. To better understand the differences between these two plans, see the table below to compare single-trip options offered by Travel Insured International.

Based on quotes our team gathered using eight unique sample traveler profiles, the average cost of a Worldwide Trip Protector Edge plan is $168, with a Worldwide Trip Protector plan costing $229. The average price of a standard travel insurance plan is $204, based on calculations made using quotes gathered by our team from two dozen different providers.

Travel Insured International Annual Multi-Trip Plans

If you’re looking for an annual, multi-trip plan, Travel Insured International offers one plan for adults and one for children — the only difference between these plans is the price. Base plans offer the following coverages on a per-trip basis, and start at a flat rate of $94 per year for adults and $64 for children.

Optional protections you can purchase on a per-trip basis with an annual multi-trip plan include: 

• Trip cancellation coverage
• Trip interruption coverage
• CFAR coverage
• Rental car damage and theft coverage
• Additional medical evacuation coverage

Travel Insured International Optional Add-On Coverages

Travel Insured International offers several add-on options with its single-trip plans, but availability depends on your chosen plan. Coverages include the following:

• Rental car damage and theft coverage: You’ll receive $50,000 of coverage with Worldwide Trip Protector and $25,000 with Worldwide Trip Protector Edge if you experience damage to a rental car.
• CFAR coverage: This reimburses up to 75% of your prepaid, non-refundable trip expenses if you cancel your trip for virtually any reason.
• IFAR coverage: An add-on that reimburses you up to 75% of your non-refundable trip expenses if your trip is cut short for virtually any reason.
• Cancel for work reasons: If you need to cancel your trip due to unforeseen circumstances at work, Travel Insured International will reimburse you up to 100% of your non-refundable, insured trip costs.
• Event ticket registration fee protection: This add-on reimburses you the cost of registration fees in the event of cancellation of a covered event during your travels.
• Travel inconvenience: This provides coverage for inconveniences such as closed attractions, beach closures, rental car breakdowns, hotel infestations and more.

How Much Does Travel Insured International Cost?

After gathering quotes for Travel Insured International’s Worldwide Trip Protector and Worldwide Trip Protector Edge plans, we determined average costs of $229 and $168 , respectively. The cost of a Worldwide Trip Protector plan is 12% more than the average cost of travel insurance , which is $204. However, the cost of a Worldwide Trip Protector Edge plan is around 21% less than the average. Our team analyzed pricing across two dozen travel insurance providers to calculate average costs.

To show you what you might expect to pay for travel insurance, we used eight unique traveler profiles to gather estimates for Worldwide Trip Protector and Worldwide Trip Protector Edge plans.

We used a range of traveler ages, itineraries and trip costs to gather quotes, but your exact plan cost from Travel Insured International will likely vary. Costs depend on factors such as your trip’s total price, destination, coverage limits, your age and more.

When mystery shopping for quotes, we found that Travel Insured International offers annual multi-trip plans for a flat rate of $94 per year for adults and $64 for children. However, coverage is more limited than the provider’s single-trip policies unless you pay for optional protections.

Does Travel Insured International Offer 24/7 Travel Assistance?

Our research found that Travel Insured International offers 24/7 travel assistance to all policyholders. The insurer supplies two numbers through its website — one for emergency calls within the U.S. and Canada and one if you’re traveling abroad. Travel Insured International’s website provides the phone numbers but no further details about what the assistance line offers. We had to dig through sample contracts to better understand this benefit.

After reading sample contracts, we found Travel Insured International’s 24/7 travel assistance benefit includes medical or legal referrals, translation services, prescription drug replacements, eyeglass replacements, identity theft resolution services, concierge services and more. We encourage you to read through a sample contract before purchase to ensure you fully understand the benefits of this offering.

How To Buy a Policy From Travel Insured International

To understand the purchasing process with Travel Insured International, we gathered quotes using the provider’s web portal for eight different sample traveler profiles. Getting a quote was a relatively standard experience and similar to other providers we’ve rated using our travel insurance methodology.

The insurer’s homepage, travelinsured.com , features a quote tool for inputting your trip details. You’ll need to provide your travel dates, state of residence, trip type, date of initial trip deposit, and personal information such as your date of birth and email address.

Once you’ve entered the required information, you’ll be taken to a screen where you’re presented with your plan options. Our team was able to easily access plan information and sample contracts, and Travel Insured International provided a base cost before offering several add-on coverages for an additional cost.

After choosing your plan and any desired add-on protections, you’ll need to provide more in-depth information on each traveler seeking coverage. This includes your address and phone number. If you want, you can designate beneficiaries to whom Travel Insured International will pay your loss of life benefits in the event of your death on a covered trip. You’ll then choose whether to have your plan documents emailed or provided as a download. From here, you’ll finalize payment and receive your plan.

If you need assistance with your purchase or have questions about coverage, you can call Travel Insured International’s customer care line or visit its online help center to read frequently asked questions about policies and claims.

While our experience with the sign-up process was positive, we turned to reviews from policyholders like you to learn how real customers felt about their experience. We found many reviews through Trustpilot, such as this one , that mentioned an easy sign-up process. We found no recent reviews indicating problems with Travel Insured International’s sign-up process.

Travel Insured International Customer Reviews

As previously mentioned, our research team carefully reads customer reviews to better understand the quality of service that travel insurers provide policyholders. We used the BBB and Trustpilot, two third-party review sites, to learn more about Travel Insured International’s reputation amongst customers.

At the time of writing, Travel Insured International held a 1 out of 5-star customer review rating on the BBB and 4.1 out of 5 stars on Trustpilot. Learn more about what customers like and dislike about their experiences with the company in the sections below.

What Customers Like

• Helpful customer representatives: Several recent travelers, such as this one , noted that Travel Insured International’s representatives were knowledgeable and helpful.
• Easy claims process: Many customers, such as this traveler , were pleased with the company’s easy process when filing a claim.
• Reasonable prices: A few policyholders felt that they received great coverage for the price with their Travel Insured International plan.

What Customers Don’t Like

• Unfairly denied claims: Some policyholders felt they had a legitimate claim that was denied for unfair reasons.
• Difficulty with emergency services: This traveler was unable to reach a representative through Travel Insured International’s 24/7 helpline when they needed assistance.
• Long claims process: Several customers, such as this one , reported waiting for months for their claim approval and reimbursement.

Our team reached out to Travel Insured International for comment on its negative reviews and received the following response. 

“Travel insurance is regulated by state, and we abide by state laws, ensuring we adhere to regulations related to claims and customer service. Claims received are reviewed in accordance with the terms, conditions and limitations of approved policies. Claims and benefits differ by state and plan design. Different benefit options are available for consumer choice based on their needs. Our standard practice is to respond promptly to inquiries upon receipt of the necessary information.”

How To File a Claim With Travel Insured International

As we conducted our research on Travel Insured International, we noticed that the provider offers detailed information on its claims process on its website in addition to a frequently asked questions (FAQ) section.

To start your claim with the company, head online to Travel Insured International’s website and log into the account you created when you signed up for a policy — the provider doesn’t have a mobile app. From there, you’ll notify the company of your loss or claim and receive the proper forms to complete depending on your circumstance. Travel Insured International notes that it sends out a step-by-step list of items it will need to properly review your claim.

Once you’ve submitted your claim with the requested documentation, a claims supervisor will review it. If approved, you’ll receive a check by mail that includes an explanation of your payment on the check stub. A claims representative from Travel Insured International will also contact you to let you know you’ll be receiving the payment. You can also choose reimbursement by electronic payment.

If Travel Insured International denies your claim, a claims analyst will contact you to explain the findings and reasons for denial. From there, the company will allow you to appeal the decision and provide additional information relevant to your claim.

We read through Travel Insured International customer reviews to better understand experiences with the company’s claims process. Many reviewers, such as this one , noted that submitting the proper receipts and documentation was the key to getting your claim approved. Others, such as this policyholder , felt that the company made it difficult to file a claim and that the amount of information requested was unreasonable. While customer reviews help assess a company’s services, note that your individual experience will likely vary.

Is Travel Insured International Worth It?

Travel Insured International provides single-trip and multi-trip policies for travelers seeking well-rounded coverage. The company offers unique features as standard coverages — such as pet kennel coverage and missed connection coverage — in addition to various optional add-on protections. While we found that Travel Insured International costs less than the average travel insurance plan, its coverage limits are markedly less than the limits we’ve discovered other providers offering through comparable plans.

Whether a travel insurance policy from Travel Insured International is worth it is up to you. However, as a best practice when shopping for a plan, we encourage you to gather quotes and research plans from at least two other travel insurance providers. This can help ensure you find the best coverage for your travel needs at a price that fits your budget.

Frequently Asked Questions About Travel Insured International

Where is travel insured international located.

According to its BBB profile, Travel Insured International is headquartered in Glastonbury, Conn.

When should I buy international travel insurance?

Our research has found that if you plan to purchase an international travel insurance plan, it’s best to buy it as soon as possible. Many travel insurance companies will limit certain benefits if you don’t purchase your plan within a certain time period from your first trip deposit. For example, some only allow you to purchase a pre-existing conditions waiver if you buy coverage within a specific period.

What does Travel Insured International travel insurance cover?

Travel Insured International’s travel insurance plans offer both trip cancellation or interruption benefits and medical expense protections. However, limits vary by plan, so read through the provider’s sample contracts to fully understand what is and isn’t covered by a specific policy.

Methodology: Our System for Rating Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

MarketWatch Guides may receive compensation from companies that appear on this page.
The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.