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If you are an existing policy holder, your policy will continue as normal. If you need to make an adjustment to your existing policy, please email [email protected] or call 01689 892 258 . If you need to make a claim or require the assistance service, contact details can be found in your policy wording document

  • Your Details

Please take care to answer all questions honestly and to the best of your knowledge. If you don't, your policy may be cancelled, or any claim rejected. You must get permission from any other people whose details you propose to use in requesting a quote, before you provide us with any of their information.

What type of policy do you require?

If you are planning two or more trips this year, an annual policy can often work out cheaper.

Destination

Cover is restricted to the specific countries you have selected so please ensure that you select all of the countries you will be visiting on your trip. Please note, no cover is provided for trips where you have travelled to a specific country or to an area where, prior to your trip commencing, the Foreign, Commonwealth & Development Office have advised against all (but essential) travel unless the FCDO advice relates to Coronavirus and you have a single trip European policy.

Albania, Algeria, Andorra, Armenia, Austria, Azerbaijan, Azores, Balearics, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Canary Islands, Corfu, Corsica, Crete, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Eire (Republic of Ireland), Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Guernsey, Holland (Netherlands), Hungary, Iceland, Isle of Man, Italy, Jersey, Kos (Greek Island), Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Mediterranean Islands, Moldova, Monaco, Montenegro, Morocco, Northern Ireland, Norway, Poland, Portugal, Rhodes, Romania, Russia (West of the Ural Mountains), San Marino, Sardinia, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine, United Kingdom, Vatican City.

Worldwide excluding USA, Canada, Caribbean and Mexico

Anywhere in the world except the United States of America, Canada, the Caribbean and Mexico.

Worldwide including USA, Canada, Caribbean and Mexico

Anywhere in the world.

Note: Please note, no cover is provided for trips where you have travelled to a specific country or to an area where, prior to your trip commencing, the Foreign, Commonwealth & Development Office have advised against all (but essential) travel.

Do you want to include cruise cover on your policy?

Our cruise option provides cover for cabin confinement, missed port departure, missed excursions and more.

Note:- If you are purchasing a single trip policy please ensure all countries visited on the cruise are selected.

Do you want to include winter sports cover on your policy?

Our winter sports option covers medical rescue, piste closure and your ski/snowboard equipment if it is lost, stolen or damaged and more.

Your Trip Dates

Please note, Cancellation cover applies from the date you buy your policy.

Please note, Cancellation cover applies from the start date of your policy.

This is the date you get home. Make sure you select the full period of time you are away from home. If you are travelling home overnight please choose the date you actually get home.

Your Traveller Details

A couple is two adults in a relationship living at the same address.

A family is up to 2 adults with up to 8 children under the age of 18.

A group can be between 2 and 12 travellers that can include children under the age of 18 but must include at least one Adult.

Medical Declarations

You will not be covered under this policy for any claims arising directly or indirectly from a pre-existing medical condition unless it has been declared to us and accepted by us in writing for cover.

For the purposes of this insurance a pre-existing condition is defined as:-

Any medical condition where you have been prescribed medication, including repeat prescriptions, or received treatment or attended a GP or a specialist as an outpatient or inpatient in the last 2 years or for which you are currently on a waiting list for treatment or investigation.

Any heart, heart related or circulatory condition; or any respiratory condition; any liver condition, any stress, anxiety, depression or any other psychological condition or any cancerous condition.

Promotional Code

If you have a discount or promotional code, please enter it here:

Eligibility Conditions

By clicking the 'I Agree' box you are confirming that you have read, understand and meet these eligibility conditions.

  • You are a permanent resident of the UK and registered with a medical practitioner in the country.
  • You are not travelling against medical advice.
  • Your trip has not started.

Experts in medical travel

We specialise in travel insurance for people with medical conditions

Comprehensive Cover

  • Up to £10m cover for medical emergencies
  • Up to £12,000 cancellation cover
  • Cover available for your baggage, delays and much more…

Peace of Mind

If you need us, our medical emergencies helpline is open 24/7, 365 days a year.

Important Information

  • Policy Wording
  • Terms of Business
  • Obligations

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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?

Take the worry out of your travels with affordable flight or trip insurance.

Looking to plan the vacation of a lifetime or flying home for the holidays? Trip insurance and flight insurance can provide the peace of mind you need for your next journey. The GEICO Insurance Agency, with Berkshire Hathaway Travel Protection (BHTP), offers comprehensive travel insurance coverage, with prompt service and global assistance. Get an online travel insurance quote today and confidently protect your next adventure.

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 like:

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

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

The main difference is that a flight insurance policy only covers your airfare. On the other hand, a travel insurance policy helps protect your flight as well as other parts of your trip. While you're planning your next trip, think about where you're going and what you'll be doing. Once you have that, it'll be easier to choose which policy works best for your trip.

What does a flight insurance policy cover?

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 does a travel insurance policy cover?

ExactCare Travel Insurance provides all-in-one travel protection, 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

What is not covered by travel insurance?

Your coverage is based on the plan you choose. However, in general some things that aren't normally covered by travel insurance are:

  • 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 does travel insurance cost?

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

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:

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: Get the answers you're looking for.

  • 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.
  • Can I get trip insurance for an extended overseas stay? Yes. We can help you with getting insurance for overseas. Please visit our overseas insurance page for information about all the options we have for you!
  • 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.
  • Tips for saving money on your next vacation. 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

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. 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.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

Colorado Language Preference

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

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

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

Your Travel Insurance Quote

01 526 74 88, quote progress, about you and your trip.

Please take care to answer all questions honestly and to the best of your knowledge. If you don't, your policy may be cancelled, or any claim rejected. You must get permission from any other people whose details you propose to use in requesting a quote, before you provide us with any of their information.

What type of policy do you require?

If you require a group policy for more than 12 people, please contact our team on 01 526 7488 to organise a quotation. Alternatively, you can email our team on [email protected].

Destination

Please note! No cover, including cancellation cover, will apply before the start date of the policy.

You have a choice of maximum travel duration for each trip, please choose one

Are you a family/couple, number of people to be insured, what is your age, what is the next person's age, do you and each person to be insured have private health insurance that qualifies for a discount, how did you hear about us, promotional code (optional).

I confirm that the following statements are true and that I am aware that this policy could be invalidated or a claim declined if this is not the case.

  • All persons to be insured are permanent residents of, and are registered with a medical practitioner, in the Republic of Ireland;
  • None of the persons to be insured are travelling against medical advice;
  • The trip has not started.

By clicking continue you agree that these assumptions are correct and you are aware that your policy could be invalidated or a claim declined if this is not the case.

Your quote so far...

Buy from the travel insurance experts.

  • Personal service
  • Emergency medical expenses
  • Repatriation costs
  • Baggage & money cover
  • Cancellation & curtailment cover

If you need us, our medical emergencies helpline is open 24/7, 365 days a year.

Cancellation cover

  • If you or your travelling companion(s) receive a positive COVID diagnosis in the 14 days leading up to the trip you can claim for your lost travel expenses.
  • If you or your travelling companion(s) are hospitalised with COVID in the 28 days leading up to the trip you can claim for your lost travel expenses.
  • If a close family member is hospitalised with COVID in the 14 days leading up to the trip you can claim for your lost travel expenses.

Additional Travel & Accommodation Expenses while abroad

  • If you need to extend your trip due to receiving a positive COVID diagnosis, your policy will cover reasonable Additional Travel & Accommodation Expenses abroad to a limit of €2,000.

Medical Expenses

  • if you, or your travelling companion(s) insured on the policy, are diagnosed with COVID abroad, your policy will cover the Medical Expenses associated with treatment.

Please note normal terms and conditions apply. There is no cover for cancellation due to government travel restrictions or lockdowns. You will not be covered for any losses or costs relating to COVID that arise within 14 days of the date you purchased this insurance, except where the insurance is bought with 48 hours of booking the trip.

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.

9 Best Travel Insurance Companies of March 2024

According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.

get cover travel insurance

Travelex Insurance Services »

get cover travel insurance

Allianz Travel Insurance »

get cover travel insurance

HTH Travel Insurance »

get cover travel insurance

Tin Leg »

get cover travel insurance

AIG Travel Guard »

get cover travel insurance

Nationwide Insurance »

get cover travel insurance

Seven Corners »

get cover travel insurance

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

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

Table of Contents

  • Travelex Insurance Services
  • Allianz Travel Insurance

Travel insurance can help you protect the financial investment you made in your vacation when unexpected issues arise. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.

  • Travelex Insurance Services: Best Overall
  • Allianz Travel Insurance: Best for Trip Interruptions
  • HTH Travel Insurance: Best for Groups
  • Tin Leg: Best Cost
  • AIG Travel Guard: Best for Families
  • Nationwide Insurance: Best for Last-Minute Travel Insurance
  • Seven Corners: Best for 24/7 Support When Traveling
  • Generali Global Assistance: Best for Medical Emergencies
  • Berkshire Hathaway Travel Protection: Best for Specialized Coverage

Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Medical and trip cancellation maximum are not as high as some other companies

  • 100% of the insured trip cost for trip cancellation; 150% for trip interruption
  • Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
  • $750 in missed connection coverage
  • $50,000 in emergency medical and dental coverage
  • Up to $500,000 in emergency medical evacuation and repatriation coverage

SEE FULL REVIEW »

Annual and multitrip policies are available

Distinguishing between the company's 10 travel insurance plans can be challenging

  • Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
  • $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
  • Up to $1,600 for travel delays
  • Emergency medical coverage of up to $75,000
  • Epidemic coverage

Generous coverage at the mid- and high-tier levels, and great group discounts

Preexisting conditions coverage is only available at mid- and high-tier plans

  • 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
  • Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
  • Up to $2,000 in coverage for trip delays; $1,000 for missed connections
  • $500,000 in coverage per person for sickness and accidents

Variety of plans to choose from, including two budget-friendly policies and several more premium options

More limited coverage for baggage issues than other companies

  • 100% trip cancellation protection; 150% trip interruption
  • $500 per person for lost, stolen or damaged baggage and personal items
  • Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
  • $100,000 per person in emergency medical coverage, including issues related to COVID-19

Travel insurance policy coverage is tailored to your specific trip

Information about policy coverage inclusions is not readily available without first obtaining a quote

  • Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
  • Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
  • Up to $1,000 in missed connection and trip delay coverage
  • $100,000 in emergency medical coverage

Variety of plans to choose from and coverage available up to a day before you leave on your trip

Limited trip cancellation coverage even at the highest tier

  • Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
  • $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
  • Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
  • $150,000 for emergency medical and dental issues

Customer service available 24/7 via text, Whatsapp, email and phone

Cancel for any reason coverage costs extra

  • 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost 
  • Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
  • Trip delay and missed connection coverage worth up to $1,500
  • Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)

Generous emergency medical and emergency evacuation coverage

Coverage for those with preexisting conditions is only available on the Premium plan

  • 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
  • $2,000 in coverage for loss of baggage per person
  • $1,000 per person in travel delay and missed connection coverage
  • $250,000 in medical and dental coverage per person

In addition to single-trip plans, company offers specific road trip, adventure travel, flight and cruise insurance coverage

Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan

  • Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
  • $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
  • Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
  • Medical coverage worth up to $50,000

To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong June 2024 trip to Spain for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.

Travel Insurance Types: Which One Is Right for You?

There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:

COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .

Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.

Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .

International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.

Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .

Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.

Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.

Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.

Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.

You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .

Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.

Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.

Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .

Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express . 

Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.

Frequently Asked Questions

The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.

Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.

However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.

Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or Travelex, but you can also shop and compare policies with a travel insurance platform. Popular options include:

  • TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
  • InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.

Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .

When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.

Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.

Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.

If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.

Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.

Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.

The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.

You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.

Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.

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.

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Everything you need to know about travel insurance before you book your next trip

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With more and more people traveling , travel disruptions have increased. You might be ready to book your next vacation, but it's smart to consider buying a comprehensive travel insurance policy that will protect you from financial losses you may incur due to unexpected issues both before you travel and during your trip.

"Travel insurance is often an overlooked investment until the unforeseen happens," says Beth Godlin, a spokesperson with Aon Affinity Travel Practice . "It's designed to give travelers peace of mind and financial protection against the risks of travel."

While some travelers decline purchasing travel insurance because they think it will be costly, Godlin says it doesn't have to be expensive and notes "purchasing it adds an extra layer of protection and security." 

Travel insurance is obviously valuable for big-ticket trips, such as a luxury cruise, safari or multi-city international vacation, but it can even be helpful when you're staying closer to home. "When deciding if travel insurance is right for you, I suggest asking yourself what you could stand to lose if you had to cancel last-minute," says Godlin.

CNBC Select spoke to experts in the travel insurance space to get their best advice on everything consumers need to know about travel insurance.

How to find an insurance carrier

Purchasing travel insurance is relatively easy, and there are lots of different options in the marketplace. If you have never purchased a travel insurance plan, a good place to start is sites like InsureMyTrip.com , CoverTrip or Squaremouth , which let you compare different carriers based on both price and coverage. You simply fill out a brief questionnaire about the trip and the traveler.

The benefit of using aggregator sites is shoppers have the ability to view the entire travel insurance marketplace and compare policies all in one place. Squaremouth also provides verified customer reviews to help travelers feel confident about the policy they are purchasing. 

There is no charge to use Squaremouth, as they receive commission on every sale directly from the provider, and do not charge any type of fee to consumers.

Beyond comparison sites, you can always visit a specific travel insurance carrier's website for a quote or call the company's toll-free customer service number for information.

CNBC Select has reviewed many of the top travel insurance companies and named AXA Assistance USA Travel Insurance as the best choice overall with three tiers of coverage to choose from and a high financial strength rating. Our runner-up was Travel Guard® Travel Insurance for its offerings available online and coverage for one related child age 17 or younger.

AXA Assistance USA Travel Insurance

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

Policy highlights

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

24/7 assistance available

Travel guard® travel insurance.

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

If you're using a site like Expedia , for example, to book your reservations, you usually have the option to purchase travel insurance, too, through a third-party provider. You should make sure to carefully review the full details of the policy, because the plans are based around the trip elements (hotel, flight, rental car) and could differ every time you book, and you want to make sure you understand what you're getting.

What does travel insurance cover?

Travel insurance can vary, but policies generally provide coverage for three things: protection for your financial expenses, protection for your well-being and protection for your personal belongings.

When shopping for a policy, look for these benefits:

Trip cancellation coverage  

Your travel insurance policy can reimburse you for prepaid, non-refundable trip deposits if a trip is canceled for a covered reason. These outlays can include airline tickets, hotel rooms, rental cars, tours and cruises, says Daniel Durazo, spokesperson with Allianz Travel Insurance .  

Examples of acceptable reasons to cancel a trip include illness, injury or death of the traveler, a close family member or a traveling companion; military deployment or civil unrest; a serious family emergency, even unplanned jury duty.

Other reasons include: your travel supplier stops offering services for 24 hours due to a natural disaster, severe weather or a strike, your home or destination becomes uninhabitable or you or a traveling companion lose your job after you purchase your policy.

You typically can't cancel your trip for any reason and expect to be reimbursed just because you have travel insurance. For example, if you have a fight with your friend and don't want to travel with her, or you change your mind about taking a long-haul flight to Hawaii, these are not covered reasons. 

If you want the highest level of flexibility to make changes to your trip, consider adding "cancel for any coverage" to your policy. Cancel For Any Reason (CFAR) plans will bump up the cost of your travel insurance by about 40%, but it gives you the latitude to cancel your trip if you need to as long as you meet certain requirements like canceling no later than 48 hours before your scheduled departure. 

You won't be reimbursed for 100% of your trip costs. Typically, CFAR coverage will reimburse between 50 to 75% of trip expenses.

Trip delay coverage 

Should you experience a hiccup in your travel itinerary, your travel insurance policy can provide some financial relief. 

"Travel delay coverage provides reimbursement if a traveler is delayed for one of the policy's covered reasons," says Megan Moncrief, a spokesperson with Squaremouth. "This benefit will typically reimburse for expenses such as food, lodging and local transportation that are incurred during the delay."

Covered reasons will generally include severe weather, airline maintenance or civil unrest.

There's often a waiting period before your benefits kick in.

"In order for a traveler to become eligible for this benefit, they must be delayed for the amount of time listed on their policy," says Moncrief. "Some policies are very lenient and provide benefits available for any length delay, while other policies will specifically list a length requirement. This typically ranges from three to 12 hours. All travel delay policies will come with a daily limit, as well as a policy limit ranging from a couple hundred to a couple thousand dollars."

Daily limits typically range from $150 to $250 per traveler, while the policy limit can range from $500 to $2,000, Moncrief says. It's very important to save all your receipts as you will be required to submit them with your reimbursement claim.

Don't miss: The best credit cards with trip delay insurance

Trip interruption coverage

Should you need to cut your trip short due to illness or injury you experience during your trip, or if there's a family emergency back home, your policy may reimburse non-refundable expenses you forfeit if you return home early.

Your policy may also cover the cost of a one-way economy airline ticket home. Not all reasons are covered, however. For example, if your beach vacation is a washout or you miss your new puppy, your trip interruption benefits won't apply.

Medical expenses and emergency-evacuation benefits

If you're traveling within the U.S., your personal health insurance should cover any illness or injury you sustain while you are on a trip. But if you're traveling to a foreign country, your U.S.-based health plan will provide zero or very little coverage, and Medicare isn't accepted abroad, so it's good to sign up for additional coverage. 

"Domestic healthcare plans are usually not accepted outside the U.S., so it's especially important to get travel insurance with medical coverage and emergency medical transportation when traveling internationally," says Durazo. "If you do become ill or injured while traveling, these benefits can cover your medical costs including doctors' fees and hospital costs." 

In addition, your travel carrier's customer support hotline can help. "Allianz's 24/7 assistance team can coordinate your care with the doctors treating you in your destination, as well as ensure you're at an appropriate medical facility up to U.S. standards," he says.

Even more expensive than medical treatment is an emergency medical evacuation, something the right travel insurance policy can arrange and cover. "Medical evacuation and transport costs range from $15,000 to $200,000+, depending on the traveler's health condition and their location in the world," says Durazo.

"If you're heading overseas, you'll need the additional protection of emergency medical benefits and emergency medical transportation benefits," he adds. "And if you're visiting more remote areas, there's always a chance you may need emergency medical transportation to get you to an appropriate health care facility."

Find the best credit card for you by reviewing offers in our  credit card marketplace  or get personalized offers via  CardMatch™ .

Baggage loss

Should your checked baggage take a detour and not arrive at your destination, your travel insurance policy could be a saving grace. 

"If your travel insurance plan includes baggage benefits, your insurer can reimburse you, up to the maximum shown on the Confirmation of Coverage, for covered loss, theft or damage to your baggage and personal items," says Durazo. "Every plan has specific coverage limits for each benefit, which are outlined in the plan documents."

For example, Allianz Partners' OneTrip Prime plan , covers baggage loss up to $1,000 and baggage delay up to $300 while the OneTrip Premier includes up to $2,000 in baggage loss/damage and up to $600 for baggage delay.  

Your personal possessions are also covered if lost or stolen while you're traveling. "Travel insurance can reimburse you for the actual cash value, repair or replacement — whichever is less, based on the limits in your insurance policy's letter of confirmation," says Durazo.

You must report losses to your airline, airport, police or other relevant authority like a tour operator or hotel manager. You will need this documentation when you file a claim.

Not all items are covered by your travel insurance policy. For example, cash is not reimbursable, and many policies won't cover very expensive jewelry, art, antiques or heirloom items. To reduce the risk of losing irreplaceable items, don't bring these items on vacation. And make sure to read your policy carefully to see what is covered.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

What you should know about Covid-19 and travel insurance

When it comes to Covid coverage , travel insurance plans can vary from one another, so you should read your policy carefully and ask your insurance provider if you have questions, says Godlin.

Also, regulations around travel have evolved during the pandemic, with some countries requiring specific travel insurance coverage for entry. "As a result, we're seeing new policies emerge to directly meet those needs," she says. 

How much is travel insurance?

Travel insurance can vary a lot depending on how much coverage you're getting and how expensive your trip is. CoverTrip advises its customers that travel insurance plans cost between 4 to 10% of the total trip cost. So if you're spending $5,000 on a European tour, your insurance could be anywhere from $200 to $500.

Of course, there are budget plans out there that could cost (and cover) less. And you could also shell out for premium coverage so you can take advantage of a "cancel for any reason" policy. Whichever plan you choose, make sure you read the fine print so you understand what you're paying for.

Your credit card may offer built-in travel protection

You may have a credit card in your wallet that offers travel insurance . "Travel insurance is a common benefit for credit cards that often comes at no additional cost to the cardholder," says Francis Hondal, president of loyalty and engagement with MasterCard. "It can also be extremely easy to take advantage of it—the key is knowing what coverage you have so you don't waste money on additional coverage you don't need."

Coverage is automatic when you make a relevant purchase, she says. "So, for instance, if you have trip cancellation insurance on a card, you're covered when you book a flight using that card. Same goes for checking your bag and activating your lost luggage protection," Hondal says. 

It's important to know if and how you're covered when making travel-related purchasing decisions. Mastercard offers a digital insurance platform, mycardbenefits.com . You can usually find more information on your credit card's website.

To ensure you reap the travel insurance benefits your card offers, you must charge the trip expenses on your card.

"Where credit card travel insurance can shine is if you run into weather problems or mechanical delays, or if you get sick while traveling or even if your luggage gets lost or delayed," says Ted Rossman, senior industry analyst, Bankrate.com. 

The Chase Sapphire Reserve® is an industry leader in these areas, he says. It offers up to $10,000 per person and $20,000 per trip in the form of trip cancellation/trip interruption coverage. If you run into a flight delay lasting at least six hours, you can get up to $500 per ticket to book a different flight, stay in a hotel, buy food, etc. 

If your luggage is late, you can get up to $100 per day for up to five days to buy necessities. 

"If something really bad happens while you're abroad, [Chase Sapphire Reserve travel insurance] will pay for up to $100,000 of emergency evacuation and transportation coverage," says Rossman. "And the Sapphire Reserve also gives primary rental car insurance benefits, meaning that you can decline the rental car company's expensive coverage, and you won't need to go through your personal car insurance if you get into an accident while renting a car."

Chase Sapphire Reserve®

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 plus, 10X points on Lyft rides through March 2025

Welcome bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Regular APR

22.49% - 29.49% variable

Balance transfer fee

5%, minimum $5

Foreign transaction fee

Credit needed.

Terms apply.

Read our Chase Sapphire Reserve® review.

Rossman says another good pick is the Chase Sapphire Preferred® Card which also has very good coverage although slightly less coverage than the Sapphire Reserve card, in line with a lower annual fee. Even the no-annual-fee Chase Freedom Flex℠ gives up to $1,500 per person and up to $6,000 per trip in trip cancellation/trip interruption coverage, Says Rossman.

For more information on cards that offer travel insurance, check out CNBC Select's round-up of the best travel credit cards .

Chase Sapphire Preferred® Card

Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

21.49% - 28.49% variable on purchases and balance transfers

Either $5 or 5% of the amount of each transfer, whichever is greater

Excellent/Good

Read our Chase Sapphire Preferred® Card review .

Is travel insurance worth it?

Travel insurance can be useful in many scenarios, from a medical emergency forcing you to cut your trip short to a tropical storm ravaging your destination. If you've spent a lot of non-refundable money on your trip, you could be at a loss if something goes awry.

There are several scenarios where travel insurance could be worth it , including if:

  • You're traveling internationally where your US-based health insurance won't apply
  • You've spent a lot on prepaid, non-refundable expenses
  • You're traveling to a remote area
  • Your flight involves multiple connections or destinations

For those who have spent a good amount of money on their trip, getting trip insurance generally makes sense whether that's through a separate policy or through a credit card you booked the trip with.

Catch up on Select's in-depth coverage of  personal finance ,  tech and tools ,  wellness  and more, and follow us on  Facebook ,  Instagram  and  Twitter  to stay up to date.

Information about the Chase Freedom Flex℠ has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

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Please note this section of the website is for customers who purchased a Getcover policy prior to the 7th of March 2023 only. If you purchased after this date, policy documentation would have been emailed to you on the date of purchase. All customers are welcome to call our customer services team on 01689 892 258 if you need any help for example accessing policy documentation or if you are wanting to make changes to a policy. Lines are open Monday to Friday (exc bank holidays) 9am to 5pm.

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The best travel insurance policies and providers

Katie Genter

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.

get cover travel insurance

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.

get cover travel insurance

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.

get cover travel insurance

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).

get cover travel insurance

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.

get cover travel insurance

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.

get cover travel insurance

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.

get cover travel 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.

get cover travel 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.

get cover travel insurance

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.

get cover travel insurance

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.

get cover travel insurance

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.

get cover travel insurance

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.

get cover travel insurance

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.

get cover travel insurance

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

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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?

get cover 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?

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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?

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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

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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 .

June 1, 2020

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Travel Insurance 101: How Travel Insurance Works

How Travel Insurance Works

What is travel insurance?

Travel insurance is a plan you purchase that protects you from certain financial risks and losses that can occur while traveling. These losses can be minor, like a delayed suitcase, or significant, like a last-minute trip cancellation or a medical emergency overseas.

In addition to financial protection, the other huge benefit of travel insurance is access to assistance services , wherever you are in the world. Our elite team of travel and medical experts can arrange medical treatment in an emergency, monitor your care, serve as interpreters, help you replace lost passports and so much more. Sometimes, they even save travelers’ lives.

A few things you should know about travel insurance:

  • Benefits vary by plan. It’s important to choose a plan that fits your needs, your budget and your travel plans. Here are definitions of all available travel insurance benefits.
  • Travel insurance can’t cover every possible situation. Allianz Travel Insurance is  named perils  travel insurance, which means it covers only the specific situations, events, and losses included in your plan documents, and only under the conditions we describe.
  • Travel insurance is designed to cover  unforeseeable events —not things you could easily see coming, or things within your control. If, for example,  you wait to buy insurance for your beach trip until after a named hurricane is hustling toward your destination, your losses wouldn’t be covered.

How does travel insurance work?

In most scenarios, travel insurance reimburses you for your covered financial losses after you file a claim and the claim is approved. Filing a claim means submitting proof of your loss to Allianz Global Assistance, so that we can verify what happened and reimburse you for your covered losses. You can  file a claim online , or do it on your phone with the  Allianz TravelSmart TM app .

How does this work in real life? Let’s say you purchase the OneTrip Prime Plan , which includes trip cancellation benefits, to protect your upcoming cruise to Cozumel. Two days before departure, you experience a high fever and chest pain. Your doctor diagnoses bacterial pneumonia and advises you to cancel the trip. When you notify the cruise line, they tell you it’s too late to receive a refund.

Without travel insurance, you’d lose the money you spent on your vacation. Fortunately, a serious, disabling illness can be considered a covered reason for trip cancellation , which means you can be reimbursed for your prepaid, nonrefundable trip costs. Once you’re feeling better, you gather the required documents—such as your airfare and cruise line receipts and information about any refunds you did or did not receive—and you file a claim . You can even choose to receive your reimbursement by direct deposit, to your debit card, or via check.

Sometimes, this process works a little differently. Travel insurance may pay your expenses upfront if you require emergency medical treatment or emergency transportation while traveling overseas. Or, with the  OneTrip Premier and OneTrip Prime plans, you may be eligible to receive a fixed payment of $100 per day for a covered travel delay or $100 for a covered baggage delay . No receipts for purchases are required; all you need is proof of your covered delay.

Many travelers are wondering: Can COVID-19 be considered a covered reason for trip cancellation? And can travel insurance help if you become seriously ill with COVID-19 while traveling? Most of our travel insurance plans now include epidemic-related covered reasons (benefits vary by plan and are not available in all jurisdictions). The Epidemic Coverage Endorsement adds covered reasons to select benefits for certain losses related to COVID-19 and any future epidemic. To see if your plan includes this endorsement and what it covers, please look for "Epidemic Coverage Endorsement" on your Declarations of Coverage or Letter of Confirmation. Terms, conditions and exclusions apply. Benefits may not cover the full cost of your loss. All benefits are subject to maximum limits of liability, which may in some cases be subject to sublimits and daily maximums.

> Learn more: Travel Insurance and COVID-19: The Epidemic Coverage Endorsement Explained

How to choose a travel insurance plan

There’s a wide range of Allianz Travel Insurance plans, each with different benefits and benefit limits. So how do you know which is best for you? To begin, get a quote for your upcoming trip. When you enter your age, trip costs and trip dates, we can recommend a few plans for you. Then, you can compare the costs and benefits of each.

If you’re a budget-conscious traveler who’s traveling in the U.S., you may like the OneTrip Cancellation Plus Plan . It includes trip cancellation, trip interruption and trip delay benefits.

If you want protection in case of medical emergencies overseas, but you have few pre-paid trip expenses, you may consider the OneTrip Emergency Medical Plan . This affordable plan includes emergency medical and emergency transportation benefits, as well as other post-departure benefits, but not trip cancellation/interruption.

If you want the reassurance of carrying substantial travel insurance benefits, the best fit may be the OneTrip Prime Plan . This plan also covers kids 17 and under for free when traveling with a parent or grandparent (not available on policies issued to Pennsylvania residents).

If you’re planning several trips in the next 12 months, consider annual travel insurance such as the AllTrips Prime Plan . It gives you affordable protection for a full year of travel, including benefits for trip cancellation and interruption; emergency medical care; lost/stolen or delayed baggage; and Rental Car Damage and theft protection (available to residents of most states).  

> Find the right travel insurance plan for you 

How to get the most from your travel insurance plan

Don’t wait too long to buy travel insurance! The best time to buy travel insurance is immediately after you’ve completed your travel arrangements. The earlier you buy insurance, the bigger your coverage window. Also, you must buy your plan within 14 days of making your initial trip deposit in order to be eligible for the pre-existing medical condition benefit (not available on all plans).

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

Call us when you need help. If you have questions about how travel insurance works, or how to file a claim, or which benefits you need, please contact us ! Our representatives are available 24/7. If you’re already traveling, and you’re facing a travel crisis or just need some advice, call our emergency assistance hotline .

> Read more about how we can help

Related Articles

  • What Does Travel Insurance Cover?
  • How Travel Insurance Covers Family Members
  • Trip Delay, Trip Interruption and Trip Cancellation Insurance Explained

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  • Introduction to credit card travel insurance and standalone travel insurance
  • What are credit card travel protections?
  • What is travel insurance?
  • Credit card travel protection vs. standalone travel insurance
  • Frequently asked questions

Credit Card Travel Insurance vs Travel Insurance: A Comparative Guide

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

  • Travel insurance and some credit cards can protect you from financial loss while traveling.
  • Travel insurance offers more comprehensive coverage that includes emergency medical expenses.
  • Credit card travel protection has more gaps but comes at no additional cost for cardholders.

Anything can happen while traveling. Flight delays, lost luggage, or even unexpected injury or illness can interrupt your vacation. When these things occur, travel insurance or the travel protections included with your premium credit card may be able to help, providing medical coverage, offsetting your financial losses, or even reimbursing you fully.

But do you need both travel insurance and credit card travel protections? Here are details on both and tips for deciding what the best travel protection is for you.

Introduction to credit card travel insurance and stand-alone travel insurance

Many credit cards offer travel protections that can help you in certain unexpected travel situations. But they aren't exactly the same as a separate travel insurance policy.

Here's how the two differ at a high level:

  • Travel insurance:  Travel insurance is coverage that you purchase for a single trip or multiple trips in a year. It typically covers the costs associated with trip cancellation, trip delays, medical emergencies, and other unforeseen events that may occur while traveling.
  • Credit card travel protections:  These are benefits automatically included with certain consumer credit cards. They often provide coverage for delays, lost baggage, rental car collisions, and other events during travel. Credit cards sometimes advertise these protections as a type of travel insurance, though they're not a separate insurance policy.

Generally speaking, designated travel insurance is more exhaustive than the protections offered by a credit card. Still, it's worth it to compare both options, particularly if you're taking an expensive trip. 

"It is always wise to check your credit card protection against a travel insurance plan," says Carol Mueller, a vice president at Berkshire Hathaway Travel Protection . "Credit card protection may not include the full, bundled, comprehensive coverage a travel insurance plan would."

What is credit card travel insurance ?

Many premium credit cards offer travel protections to cardholders, but the exact coverages depend on the credit card. Typically, only trips booked with that card qualify for coverage.

"Credit card travel insurance has one big advantage that interests travelers: it's usually free or included in the card's annual fee," says Daniel Durazo, director of external communications at Allianz Travel Insurance , a travel insurance provider. "Credit cards' travel benefits can be useful for smaller things, like travel delays or lost bags, but only travel insurance provides reliable protection in real emergencies, like expensive medical emergencies such as hospital visits and evacuations."

In some cases, however, a credit card may cover catastrophic accidents. The Chase Sapphire Reserve, for example, offers up to $1,000,000 worth of coverage for an accident that causes loss of life, speech, hearing, or use of a hand, among other life-altering injuries.

Additionally, credit card coverage limits tend to be much lower. The Chase Sapphire Reserve® offers up to $20,000 per trip in cancellation coverage, while a basic travel insurance plan from Travel Guard offers five times as much coverage.

Pros and cons of credit card travel protection

What is stand-alone travel insurance .

Travel insurance protects you from financial losses related to travel. "There are three main areas of coverage: protecting yourself, protecting your personal items, and protecting your investment," says Christina Tunnah, general manager of Americas and global marketing at World Nomads Travel Insurance , a travel insurance and safety services provider.

Travel insurance works  much like any other insurance policy. When a covered event occurs, like your trip is canceled or you're hurt while traveling, you file a claim with your insurer. If accepted, the company reimburses you for the costs up to your coverage limits.

"Most people have no idea that their health insurance does not cover them abroad," says Shane Mahoney, founder of Lugos Travel , a travel advisory. "So, a broken arm from a slip and fall or a heart attack can be financially devastating."

Travel insurance customers typically have 90 days to file their claim. But once the event occurs, there's no waiting period, meaning travelers should file as soon as possible.

A major factor when filing a successful claim is proof of financial loss. You can use something as simple as a medical clinic receipt or a doctor's medical statement. Once the claim has been reviewed and approved, your insurer will reimburse you via check. Some modern travel insurance companies offer immediate payment via a debit card mailed to travelers before their trip.

Travel insurance providers go beyond your standard credit card or airline coverage. You can buy policies that cover sports equipment, medical, and other coverages. You can also buy Cancel for Any Reason insurance , which covers trip cancellations regardless of the reason. The best CFAR insurance can cover 100% of your costs, but many only cover a percentage. 

Buyers can also price out annual travel insurance plans , which cover all of your trips within a 12-month period. Meghan Walch, director of the InsureMyTrip website, estimates a 4% and 10% travel insurance cost based on your total prepaid, nonrefundable trip costs. If you're buying an annual policy, this figure will change.

Pros and cons of stand-alone travel insurance

Credit card travel protection vs. stand-alone travel insurance.

Deciding between stand-alone travel insurance and credit card travel protection can be difficult. That said, it's worth mentioning that these choices aren't mutually exclusive. Even if you have a credit card that provides travel protection, you can still opt for additional coverage with a stand-alone travel insurance policy.

Cost considerations

The obvious difference between credit card insurance and a stand-alone policy is the cost. While credit card insurance is usually included in the cost of the card, traditional travel insurance is an additional expense, usually between 5% to 6% of the trip's worth, though rates can range from 4% to 12%.

However, travel insurance may pay for itself, covering emergency medical expenses and evacuation."Most people have no idea that their health insurance does not cover them abroad," says Shane Mahoney, founder of travel advisory company  Lugos Travel . "So, a broken arm from a slip and fall or a heart attack can be financially devastating."

On the other hand, credit card travel protections don't come at any additional costs. However, many of the best travel credit cards come with annual fees. Additionally, a credit card's travel protection only applies to trips you book with that credit card. If you don't pay off the credit card immediately, you'll pay interest on your trip. 

If you don't already have a credit card with travel insurance included, you'll also have to determine if the coverage is worth applying for a new credit card.

Comparing coverage and benefits

In most instances, traditional travel insurance policies will have more comprehensive coverage than credit card travel insurance. They'll cover more reasons for trip cancellation, and some may cover cancellations for no reason. They'll also cover medical emergencies, while credit card travel protections don't.

"Some travel insurance policies also provide epidemic coverage endorsements, which provide coverage to customers who become ill with COVID-19 or a future epidemic, are individually ordered to quarantine, or are denied boarding due to a suspected illness," says Durazo.

Separate travel insurance policies also tend to offer more robust cancellation coverage. Credit card protections often cap reimbursement at just $10,000 a trip, while travel insurance usually goes up to $100,000. Most credit cards will only cover trips purchased with the card or reward points.

Situations best suited for each

Both travel insurance and credit card protections can prove helpful if your trip is canceled or you experience some other loss while traveling, but the right choice will depend on the specifics of your exact trip and budget. "Every trip is different, and every traveler has different needs and concerns," Walch says. 

For example, travelers with more health concerns may opt for stand-alone travel insurance. Longer, more expensive, and international trips may also warrant greater coverage that credit card travel insurance can't provide. Additionally, it may be a good idea to insure trips to high-risk areas, either politically unstable regions or areas with inclement weather.

On the other hand, Walch says, "For a short trip to a family member's house in the US, the travel insurance offered through the credit card may suffice."

Credit card travel insurance comparison frequently asked questions

Credit card travel insurance may offer basic coverage for international trips, but it often lacks comprehensive medical coverage.

Yes, you can use both for the same trip. Stand-alone policies can supplement areas where credit card insurance is limited, such as medical coverage.

Most credit card travel insurance does not cover pre-existing medical conditions. Many stand-alone policies don't cover pre-existing conditions , but you may find some coverage with certain stipulations.

Credit card travel insurance is usually automatically activated when you pay for a trip using that card. However, it's important to read the card's policy for specific activation requirements.

While credit card travel insurance can be more cost-effective since it's a benefit of the card, it may not provide as comprehensive coverage as a stand-alone policy. In the long run, you may end up losing money if you solely rely on credit card travel insurance.

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Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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What is travel insurance and what does it cover?

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How to make a travel insurance claim

Please take a look at your policy reference number and choose the corresponding panel below. If you don't have your policy number to hand, please call our main contact number. We can help you directly during our office hours; otherwise we will respond to your voicemail the next working day.

Travel Policy Claims

If you wish to make a claim or have a query in relation to a potential claim under your Getcover Travel policy please read the following:

FOR CLAIMS RELATING TO COVID-19 PLEASE CLICK HERE FOR MORE INFORMATION

For claims before departure or to register a claim after your return home:.

Please call Mapfre’s claims handling team on 091 560 687 (Open 9am - 5pm, Monday to Friday), quoting GETCOVER and your level of cover eg. Premium Standard or Budget or write to:

Getcover Claims, MAPFRE Assistance, Travel Claims Ireland, Assist House, 22-26 Prospect Hill, Galway.

IF YOU ARE ABROAD AND ENCOUNTERING AN EMERGENCY MEDICAL SITUATION:

Please call the following 24hr MEDICAL EMERGENCY TELEPHONE NO: +353 91 560 687

IF YOU ARE ABROAD AND ENCOUNTERING AN EMERGENCY SITUATION AND YOU NEED LEGAL ADVICE:

Please Call Arc Legal Assistance Ltd, during normal office hours (Monday to Friday 9am to 5pm GMT) on: +44 (0) 844 770 9000 Their registered address is: Arc Legal Assistance Ltd, The Gatehouse, Lodge Park, Lodge Lane, Colchester, CO4 5NE.

TRAVEL DELAY + COVER

If you purchased a Premium level Getcover policy on or after the 1st June 2019, you may be able to avail of the Airport Lounge facilities while you wait for your delayed flight.

Lounge access will only become available on the announcement of a minimum two-hour delay, not, for example, two consecutive one-hour delays .

What you are covered for If the outbound flight from the Republic of Ireland on which you are booked to travel is announced as delayed by at least four hours as a result of

  • strike or industrial action provided that when this policy was taken out, there was no reasonable expectation that the trip would be delayed;
  • adverse weather conditions;
  • mechanical breakdown or technical fault of the aircraft.

You must have access to a mobile device so that you can receive an SMS message in order to gain access to the lounge.

Otherwise, your normal travel delay cover will apply and we would refer you to your policy document.

  • If you purchased a Premium level Getcover Policy on or after 31st May 2019 call 01 290 8879 .
  • If you purchased a Premium level Getcover Policy between 1st June 2018 and the 30th May 2019 call 01 290 8878 .

You will need to quote your policy number and flight details. If your claim is valid you will then be sent an SMS message which will give you access to an airport lounge for the duration of your delay.

There may be occasions when this benefit is unavailable:

  • If the lounge is closed when the delay occurs – during the night, for instance
  • If the lounge is at full capacity
  • If you or another insured person fail to meet the lounge terms and conditions such as dress code or minimum age.

Policies beginning "IE-GCU-"

Please call URV’s appointed claims handling team on 00 353 (0) 1 224 7038 (Open 9am - 5pm, Monday to Friday), quoting GETCOVER and your level of cover eg. Premium Standard or Budget or write to:

Travel Claims Facilities, 3 Lombard Street East, Box 112, Dublin 2.

Please call the following 24hr MEDICAL EMERGENCY TELEPHONE NO: +44 (0) 203 829 6745

Please call Slater & Gordon during normal office hours (Monday to Friday 9am to 5pm GMT) on: +44 (0) 161 228 3851

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If you wish to make a claim or have a query in relation to a potential claim under your Getcover Travel policy with Solid Försäkringar (Solid Insurance Limited) please read the following:

FOR CLAIMS BEFORE DEPARTURE OR AFTER YOUR RETURN HOME:

Please call the Insurers appointed claims handling team Intana Assistance on 046 90 77332 quoting GETCOVER and your level of cover eg. Budget, Standard, Premium, Backpacker or write to:

The Claims Handler, Travel Claims Department, Intana Assistance, IDA Business Park, Athlumney, Navan, County Meath

IF YOU ARE ABROAD AND ENCOUNTERING AN EMERGENCY SITUATION:

24hr EMERGENCY TELEPHONE NO: +44 (0) 208 865 3057

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Please call the appointed claims handling team within our underwriting company, White Horse on 0818 946 910 quoting GETCOVER and your level of cover eg. Superior Plus, Superior, Backpacker or write to:

Claims Department, White Horse Administration Services Ltd, PO Box 644, Shannon, Co Clare.

24hr EMERGENCY TELEPHONE NO: +44 (0) 844 879 8313 or +44 (0) 208 763 4932 (First Assist)

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Unpacking the Truth: 9 Common Travel Insurance Myths

It’s time to separate fact from fiction. Here’s the truth about popular travel insurance myths you’ve probably come across online. 

Travellers ignoring travel insurance myths having a joyful holiday

Source: Getty

Whether you’re a jetsetter or road tripper, you’ve likely come across as many myths about travel insurance in your time. You’ve probably even wondered how many of them are true.  

“There are numerous benefits to travel insurance. However, doing your research and considering whether the plan you’ve chosen offers you the right level of cover for your needs is key. And you will probably come across some false ideas and myths about travel insurance when doing your research.  

“ One of the safest ways to learn the facts about the travel insurance plan you’re considering is to read the product disclosure statement,” says Todd Nelson, CEO of Cover-More Travel Insurance in Australia.  

While we can’t give you personal advice on whether you should purchase travel insurance and which plan you should pick, we can tell you the truth and debunk  some of the most common travel insurance myths and misconceptions making the rounds.  

Oh, and we can’t say for sure that these truths apply to all travel insurance providers, but they do apply to our Cover-More travel insurance plans. We hope this will help you make an informed choice next time you need travel insurance.  

Ready to learn the truth about travel insurance? 

Don’t believe these 9 travel insurance myths:

  • Myth #1: Travel insurance providers hide stuff in the fine print
  • Myth #2: Travel insurance doesn’t provide cover for many medical conditions
  • Myth #3: Travel insurance providers don’t like giving personal advice about which plan to choose
  • Myth #4: I won’t have cover if I have a drink when I’m on holiday
  • Myth #5: Travel insurance is all the same
  • Myth #6: Travel insurance is only for overseas trips
  • Myth #7: Travel insurers don’t actually approve claims
  • Myth #8: I don’t need travel insurance because I’m healthy and going somewhere safe

Myth #9: I have to wait till I’m home to make a claim.

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Here’s the truth about nine of the most common travel insurance myths

Myth #1: travel insurance providers hide stuff in the fine print.  .

Fact: There is no fine print. All the details about Cover-More travel insurance plans are included in the product disclosure statement (PDS).  

It’s easy to stumble across misinformation about travel insurance providers hiding details in the fine print, but here’s your cue to stop believing this myth about travel insurance.  

The reality about this myth is this: by law, travel insurance providers must detail everything about what their policies do and don’t cover in a product disclosure statement .  

A product disclosure statement, also known as a PDS, is a contract between the insurance provider and customer that explains terms, conditions, benefit limits, and more.  

For example, our Cover-More travel insurance PDS clearly details things like:

  • Where you can – and can’t travel – for your cover to apply
  • The benefit limits available for each plan benefit
  • All our options to vary your cover
  • Claim approval conditions
  • All the activities we automatically include in our policies
  • How and when to contact us if you need help
  • A list of things we cannot cover under any circumstance.

…and lots more.

We provide cover for a lot of unexpected scenarios, so our PDS may seem pretty long. But, our PDS is very detailed to benefit you. That right – if you have a good understanding of what’s in our PDS, you’re more likely to understand when you can make a claim... and you may be more likely to get your claim approved.

That’s why it’s so important to read the PDS thoroughly, so you understand exactly what the policy covers you for before you purchase it. You may even discover some benefits you didn’t realise you had!

Myth #2: Travel insurance doesn’t provide cover for many medical conditions.

Fact: Cover-More travel insurance automatically provides cover for 30+ existing medical conditions, and can provide cover for scores of other existing medical conditions – all you need to do is complete our online health assessment.

That’s right, this is one of the myths about travel insurance that does not apply to our Cover-More policies. Our Basic, Comprehensive and Comprehensive+ plans automatically include cover for over 30 existing medical conditions , as long as you meet the criteria detailed in our PDS.  

If you have one or more existing medical conditions that are not on our list of automatically included ones, you can take our online health assessment to understand what cover we can provide. What we can offer will depend on your condition(s), and over for some conditions may be included for no additional premium while others will require an added fee. Once you take the assessment, you’ll know what cover we can provide you with!

Don’t forget to declare all your existing medical conditions when purchasing your policy. If you don’t, you may find your claim is denied – even if it doesn’t initially appear directly related to your condition.  

Importantly, there are some existing medical conditions our travel insurance plans cannot cover. It’s important to read the PDS carefully to learn about these before locking in your travel insurance policy.

Myth #3: Travel insurance providers don’t like giving personal advice about which policy to I should choose.

Fact: Under Australian law, it is illegal for travel insurance providers to give personal advice.

This is another common travel insurance myth that just isn’t true. In Australia, the travel insurance industry is regulated by laws that govern all financial services providers – think banks, mortgage lenders, all types of insurance providers, etc.  

Under these laws, insurance providers cannot give customers personal advice. So, if you call our friendly customer service team wanting advice on which plan to choose, they’ll only ever be able to give you general advice about our travel insurance plans and how our policies can help protect travellers. But, don’t fret – we have plenty of information about our plans in our PDS to help you make an informed decision about whether our travel insurance is right for you and your holiday. 

Myth #4: I won’t have cover if I have a drink when I’m on holiday.

Fact: Just like at home, it’s important to be responsible when drinking alcohol on holiday. However, our Cover-More travel insurance policies may offer protection for travellers with a blood alcohol concentration level under 0.19%, depending on the circumstances of the claim. Importantly, we take your impairment level into consideration when processing your claim, as well as reports from medical practitioners, your own admission or version of events and witness reports by others who were there.  

There is sometimes a little substance to this myth – some travel insurance providers may have a “general exclusion” relating to alcohol consumption, which means your claim may not be approved if you’re found to have a blood alcohol concentration level over 0.00%.  

At Cover-More, we know travel is all about relaxing and having a good time – and for some people that involves having a drink. That’s why we don’t have a blanket “zero alcohol tolerance” as part of our policy.

However, the General Exclusions section of our PDS details that we take your impairment caused by alcohol consumption into account when considering your claim. There could be times someone’s blood alcohol level is well below 0.19% but they are still considered impaired due to alcohol consumption.  

An example of this might be that a traveller could be jetlagged and taking medication which enhance the impact of alcohol on the body in an unforeseen way, impairing reflexes and judgement as if more alcohol had been consumed.

It’s smart to read the General Exclusions section of the PDS in full before you set off on your trip.

Important: We recommend you take personal responsibility and drink more responsibly than usual during your trip. If your claim involved or arises from heavy drinking, your claim could be denied in some circumstances.

Myth #5: Travel insurance is all the same.

Fact: Travel insurance plans and their inclusions can vary quite a bit between providers. At Cover-More, we offer our travellers a choice of three plans, with the ability to vary cover as well to suit your needs.

It's time to dispel this myth about travel insurance once and for all: different travel insurance providers do offer different benefits and benefit levels.  

Our Cover-More travel insurance comes in three plan options – Basic, Comprehensive and Comprehensive+ – so travellers can choose the plan that best suits their needs. We also offer options to vary your cover based on your trip, with cover for travellers hoping to go on a cruise , a snow sports holiday , or try adventure activities .

This is why it’s smart to think carefully about your holiday activities and make sure your travel insurance policy can provide cover for as many of your chosen activities as possible. That way, you can worry less and focus on having fun once you’ve set off on your trip.    

DID YOU KNOW?     There are lots of important details you need to know about your trip before you can adequately protect it. Tell me more → 

Family that purchased travel insurance because they disregarded travel insurance myths

Myth #6: Travel insurance is only for overseas trips.

Fact: Domestic travel insurance can come in handy if you need to unexpectedly cancel your trip for a covered reason, your luggage is delayed, your valuables are stolen, you miss a special event (like a concert) because your flight is delayed, and more.

Yes, travel insurance can be extra helpful when you’re overseas thanks to its medical assistance benefits. But, even though our Cover-More domestic travel insurance plans don’t include Medical Expenses Cover (because you will still have access to Medicare benefits when travelling domestically), they have some benefits that may come in handy if your domestic getaway gets side-tracked by things out of your control.

Here are some of the benefits of our domestic travel insurance cover, which may just save the day during a sticky situation closer to home:  

  • Amendment and Cancellations Costs cover: If you include this in your policy, you can have cover for several hiccups that may affect you before you’ve left home and while you’re on the road.
  • Luggage and Travel Documents cover (Available on Comprehensive and Comprehensive+ plans): You may be able to lean on this if your valuables or luggage go missing or are stolen.
  • Delayed Luggage Allowance cover (Available on Comprehensive and Comprehensive+ plans): If you get to your domestic holiday destination but your luggage is delayed, you can access this benefit in some circumstances.
  • Driving Holidays cover (Available on Comprehensive and Comprehensive+ plans): This one can be quite popular when road tripping, as it provides benefits including cover for the insurance excess for your personal or rental vehicle – as long as your claim satisfies the criteria listed in our PDS. 

Some limits apply to the above benefits, so please read the PDS to learn more. 

Myth #7: Travel insurers don’t actually approve claims.

Fact: In 2023, Cover-More approved and paid out more than 85% of all claims submitted.  

This travel insurance myth could not be further from the truth, especially when it comes to our Cover-More travel insurance team.

In recent years, we’ve paid out tens of thousands of claims each year, ranging from small claims less than $100 under our Luggage Delay benefit, to more complex claims made by travellers experiencing injuries or illnesses while overseas with values more than $200,000.

Most holidays do go off without a hitch; however, if you do experience difficulties during your travels, being able to make a travel insurance claim may help you recover financially (and stress less!).

If you have a thorough understanding of our PDS, you’re more likely to know which benefits you’re eligible for, and the different criteria that applies to each claim. So, it’s extra important to read the PDS in full before you set off on your holiday.

DID YOU KNOW?     Submitting a claim can be fast and easy – you just need to remember to avoid these 10 common claim submission mistakes. Tell me more →  

Myth #8: I don’t need travel insurance because I’m healthy and going somewhere safe.

Fact: Travel insurance provides many benefits beyond health-related ones.

Being healthy is wonderful, but it doesn't grant you immunity from accidents and travel disruptions while you’re on holiday. The same goes for if you’re visiting a country or city that’s usually considered “safe”. That’s why this travel insurance myth is one you shouldn’t take too seriously.

Here are some ways our travel insurance cover may be able to save the day if things go awry when you least expect it:  

  • If you have included Amendments and Cancellations Costs cover in your policy and you have to rearrange your tropical holiday because of a tropical cyclone
  • If you injure yourself while surfing or jet skiing
  • If you need to cut your trip short and return home urgently because a family member unexpectedly suffered a disabling illness or injury
  • If you have Snow Sports Cover included in your policy and unexpectedly sprain your ankle while skiing
  • If you have Cruise Cover included in your policy and your cruise experiences delays because of bad weather and you miss your non-refundable shore excursion
  • If you miss a concert or festival because your flight is delayed, and you’d like to recoup the costs of the ticket and non-refundable accommodation. 

Fact: You can make a claim as soon as you please, using our Online Claims Centre .  

When it comes to our Cover-More plans, this travel insurance myth is definitely one of days past. You can now submit claims online, 24 hours a day, from wherever you are in the world. We recommend you lodge your claim as soon as possible and within 60 days after the claimable event. If you’d prefer to submit a claim by post, you can download a claim form from our website, fill it out and mail it to us. Regardless of how you submit your claim don’t forget to include supporting documentation – you can learn more about what supporting documentation you’ll need in our PDS.  

At the end of the day, travel should be about making new memories and experiencing joy while exploring world. But the reality is this: if something goes wrong unexpectedly mid-trip, having a comprehensive travel insurance policy may be able to help you get your trip back on track quickly – and leave you less out of pocket!

So, it’s smart to ignore the myths and misinformation and make an informed decision about travel insurance before you set off on your next getaway. 

Ready to forget the myths and make an informed decision about travel insurance?

Discover which plan is right for your upcoming holiday.

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Discover Our COVID-19 Cover

To find out what our current* benefits do – and don’t – cover, please read:

  • - COVID-19 Benefits
  • - COVID-19 Benefits: FAQs
  • - COVID-19 Travel Guide

Plus, for helpful destination-based COVID-19 information, don't forget to check the COVID-19 Travel Risk Tool before and during travel.

*The cover information contained on the above pages refers to Cover-More policies sold on or after 26 June 2023 . For cover information on policies sold prior to this date, please read the relevant PDS .

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

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Best Annual Travel Insurance in 2024

Carissa Rawson

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If you’re a frequent traveler, annual travel insurance may be something you’ve been considering. Unlike single-trip insurance, annual travel insurance plans can cover you for an entire year, no matter how often you’re on the road.

Let’s look at the best yearly travel insurance companies, why we choose them and the coverage you can expect.

Factors we considered when picking travel insurance companies

We used the following criteria when choosing which companies we thought were best:

Cost . Annual plans can be expensive — depending on the type of coverage you choose — so we wanted ensure that they stayed affordable. 

Types of coverage . Travel insurance for annual travelers can be limited in its coverage. We picked the ones with the broadest range of coverage for possible travel disruptions.

Coverage amounts . Annual trip insurance isn’t worth much if your limits are too low. Instead, we wanted plans with reasonable coverage amounts. 

Customizability . If your travels take you to different places, you’ll want the ability to customize your plan. The best annual travel insurance plans can provide this. 

» Learn more: What does travel insurance cover?

An overview of the best annual travel insurance

We gathered quotes from various travel insurance companies to determine the best annual travel insurance policies. In these examples, we used a year-long trip by a 22-year-old from Alabama. We indicated the main countries of travel as France and Malaysia, and when asked, put the total trip costs at $6,000.

The average cost for an annual travel insurance plan came out to $220. The plans ranged from $138-$386.

Let’s take a closer look at our top recommendations for annual travel insurance.

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1. Allianz Travel

What makes Allianz travel insurance great:

Lower than average cost.

Provides health care and travel insurance benefits.

Includes rental car insurance up to $45,000. 

Here’s a snippet from our Allianz Travel insurance review :

“AllTrips Basic (annual plan) is suitable for those who would like emergency medical coverage while abroad but don't need trip cancellation and interruption benefits. The AllTrips Prime, Executive and Premier plans provide an entire year of comprehensive travel insurance benefits.

The Executive and Premier plans offer various levels of trip cancellation and interruption benefits. The Executive plan is specifically designed for business travelers since it offers protection for business equipment.”

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2. Seven Corners

What makes Seven Corners great:

Offers up to $20,000 for acute coverage of pre-existing conditions. 

Includes up to $1 million for emergency medical evacuation. 

Optional add-on for adventure sport activities.

$0 deductible available. 

Here’s a snippet from our Seven Corners review :

“Seven Corners offers one annual policy called Travel Medical Annual Multi-Trip. The policy can be customized depending on how long you plan to be away from home for any one trip. You can travel as much as you like during the 364 days, so long as any one trip doesn’t exceed the option selected — 30, 45 or 60 days.”

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What makes IMG great:

Good customizability with medical evacuations and sports coverage. 

Low $250 deductible.

Includes coverage for semi-private hospital rooms. 

Here’s a snippet from our IMG review:

“Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important to you if you travel to a remote location or engage in physical activity such as trekking.

More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.”

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4. Trawick International

What makes Trawick International great:

100% coverage for trip cancellation and trip interruption. 

Emergency medical evacuation included. 

Trip delay reimbursement coverage. 

Here’s a snippet from our Trawick International review :

“Trawick International is a comprehensive travel insurance provider that offers trip delay and cancellation insurance, baggage delay coverage, medical coverage and medical evacuation, rental car damage protection, and even COVID-19 coverage among its various policies.

Trawick covers trips for worldwide destinations, including for foreign nationals coming to the U.S.”

What does travel insurance cover?

You’ll find a wide variety of coverage types offered by travel insurance policies. This is true whether you're purchasing a single-trip or annual travel insurance plan. Here are some common types you can expect to find:

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip interruption insurance .

How to choose the best annual travel insurance policy

While we’ve highlighted some of the best annual travel insurance companies, the truth is that the best plan for you isn’t going to be the best plan for someone else. If you’re interested in buying annual travel insurance, you’ll want to collect a variety of quotes to see which policy best fits your needs.

This may mean opting for a plan that covers pre-existing conditions or one that specifically includes high-risk activities. Or, if you’re in a country where health care is notoriously expensive, you may want to choose a policy with higher maximums.

Many credit cards come with complimentary travel insurance .

Whatever the case, do your research first and review all the plan details before making your purchase.

» Learn more: How to find the best travel insurance

If you want to buy annual travel insurance

Annual travel insurance can be a great option if you’re often out of town. With such a wide range of policies available, selecting a plan that fits your needs is easy. We’ve done some of the work for you by choosing the best annual travel insurance companies, all of which made the top of the list for their cost, customizability, types of coverage and plan maximums.

Like any travel insurance policy, the cost of your plan is going to vary. Factors that may affect the cost of your annual travel insurance include your age, where you’re going, how long you’ll be traveling, your policy maximums and whether preexisting conditions are included.

Although not all travel insurance providers offer annual travel insurance, many of them do. We’ve gathered together the five best, including Allianz Travel, World Nomads, Seven Corners, IMG and Trawick International.

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:

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

No annual fee: Bank of America® Travel Rewards credit card

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve 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. That's $900 toward travel when you redeem through Chase Travel℠.

Chase Sapphire Preferred Credit Card

1x-5x 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x 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. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Southwest Rapid Rewards® Plus Credit Card

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.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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What Is Schengen Travel Insurance?

Quick answer.

S chengen travel insurance is a specific type of travel insurance policy tailored to meet the travel medical coverage requirements set by the 27 (soon to be 29) European destinations within the Schengen Area. Travelers must present proof of sufficient coverage as part of the Schengen visa application process.

Schengen member countries have abolished their internal borders, allowing more accessible travel within the area. While this is incredibly convenient, some travelers may need a visa to visit Schengen countries. And one of the requirements to obtain that visa is to purchase sufficient travel medical insurance coverage.

Read on to learn more about Schengen visa travel insurance requirements and find the best travel insurance policy for your upcoming trip.

Table of contents

What is schengen travel insurance, schengen countries, visa and travel insurance requirements for the schengen area, key coverages in schengen travel insurance, how to get schengen travel insurance, schengen travel insurance faqs, summary of money’s guide to schengen travel insurance.

Schengen travel insurance is designed for travelers entering the Schengen zone, which comprises 27 (soon to be 29) European nations that have abolished internal borders.

Many visitors, including citizens from non-EU countries like India and China, must obtain a travel visa to enter the Schengen Area. And a requirement for a Schengen Visa is to have insurance covering at least €30,000 (around $32,720) in medical costs.

However, there are exemptions. For example, U.S. citizens and residents of countries such as Canada, Brazil and Mexico don’t need a Schengen visa or travel insurance for stays of up to 90 days within a 180-day period.

The Schengen Area consists of a diverse tapestry of countries. Among the member nations are some of the best places to visit in Europe , including France, Italy, Germany, Spain, Greece and the Netherlands.

Here’s the complete list:

Ireland and Cyprus are the only E.U. member states not currently part of the Schengen Agreement.

Having a valid U.S. passport allows you to spend up to 90 days within a 180-day period in the Schengen Area, whether for tourism or business purposes.

Once officially admitted, you can travel freely within the member countries without passing through customs each time. Stays under 90 days don’t require a visa for U.S. nationals, but your passport should be valid for at least six months past your travel dates.

Short stays don’t require travel medical insurance either, though travel insurance may still be worth it . That could be especially true if you plan to participate in adventure sports or other high-risk activities.

Travel insurance generally also covers cancellations and delays. Purchasing a policy could pay off if you’ve booked expensive, non-refundable flights or accommodations and didn’t purchase them with one of the best travel credit cards that offer insurance.

European Travel Information and Authorisation System (ETIAS)

Travel requirements for European Union countries are projected to change by mid-2025. Visa-exempt travelers to all 27 (soon to be 29) Schengen countries and Cyprus will need an ETIAS authorization.

Here’s what you need to know:

  • You must complete an online application and pay a small fee for an ETIAS authorization.
  • The authorization is tied to your passport and is valid for three years or until your passport expires.
  • With a valid travel authorization, you can enter 30 European countries for short stays of up to 90 days within a 180-day period.
  • ETIAS authorization does not guarantee entry into any of these countries. You still have to present your passport and documents at the border.
  • The above applies to people from the U.S., Canada and dozens of other countries, so check the E.U.’s official travel website or your country’s embassy for more information. An ETIAS is not a visa and doesn’t mandate travel medical insurance.

Schengen visa requirements

You’ll need a visa if you’re from a visa-exempt country, like the U.S., and planning to stay in the Schengen Area beyond the 90-day threshold. Regardless of the length of the stay, nationals traveling from certain countries always require a visa.

Determine which Schengen country you’ll spend most of your time in and check with their official tourism or embassy website for instructions on applying for a visa. The embassy will inform you about the required documentation and instructions to meet their regulations.

Schengen visa processing time can vary depending on your country of origin and your destination country, so be sure to start the process as early as possible.

Besides the application form, the following are required to obtain a Schengen visa:

  • Valid passport: Your passport must be valid for at least three months after departure.
  • Passport photo: You must submit a picture of yourself that complies with the International Civil Aviation Organisation (ICAO) standards.
  • Travel medical insurance: You must carry at least €30,000 (approximately $32,720) in coverage for medical emergencies, hospitalization and repatriation that’s valid in the entire Schengen Area for the duration of your stay.
  • Documentation: You must provide evidence of the purpose of your visit through supporting documentation, demonstrate you have the financial means to cover expenses and accommodations and show intent to return to your home country after the stay.
  • Fingerprints: Most, but not all, applicants will be required to submit their fingerprints along with their application.

Consulates of particular countries may require additional documentation.

Understanding what travel insurance covers can help you plan a worry-free journey. While plans and coverage options vary by company, here’s a breakdown of what Schengen travel insurance generally covers.

  • Medical expenses: Travel medical insurance covers the cost of treating unexpected illnesses or injuries you suffer during your trip, up to your policy limits. These include the cost of medications, hospitalization and other essential medical treatments.
  • Medical repatriation: Some travel medical policies also include emergency medical evacuation or repatriation, which covers some of the costs of transporting you back home or to a different medical facility to receive necessary medical treatment.
  • Repatriation of remains: As the name suggests, this coverage will pay (up to your policy limits) for expenses related to transporting your body or cremated remains to your home country or point of origin.
  • 24/7 Travel Assistance: Travel insurance companies generally offer round-the-clock assistance services, including language support, help recovering lost passports or prescriptions and even booking accommodations and medical transportation.

Note that some companies may require you to meet a deductible for the travel medical plan to start paying out.

Other travel-related coverage options

Most travel insurers sell policies covering medical emergencies and travel-related inconveniences such as delays, cancellations, lost luggage, and more. While you don’t need these coverage options to obtain a Schengen visa, you may still find them worthwhile.

  • Trip cancellation and trip interruption: Covers non-refundable expenses if you need to cancel or cut your trip short due to unforeseen events like illness or accidents.
  • Baggage loss or delay: Helps cover the cost of replacing essential items if your baggage is lost or delayed by a specified number of hours.
  • Delayed flights and missed connections: Provides compensation for additional expenses caused by inconveniences such as delays or missed connections.

It’s easy to buy travel insurance for your Schengen Area trip. Many providers offer policies that fulfill the visa requirement and include additional coverage that can be tailored to your needs.

Here are some steps to help you get the right coverage.

1. Research reputable travel insurance providers

Most travel insurers bundle travel medical insurance coverage with trip cancellation, interruption, and other coverage options. If you only want to satisfy Schengen visa requirements, look for a provider that explicitly markets Schengen travel insurance or offers stand-alone travel medical coverage.

2. Select a plan that meets your needs and get a quote

Remember that you may not need trip insurance beyond the €30,000 in travel medical coverage required for a Schengen visa, so read plan details carefully to avoid buying unnecessary coverage.

It also pays to shop around and get quotes from several insurers, as travel insurance costs between 3% and 14% of the total cost of your trip, depending on the company and policy you choose.

3. Read your policy details

When shopping for travel insurance online, you’ll typically find that most companies include a policy summary or schedule. This document outlines critical details such as the policy’s coverage limits and exclusions. Carefully reading it can help you avoid surprises and frustration if you ever need to file a claim.

If you still have questions after reading the policy summary, contact the insurer before finalizing your purchase.

4. Get to know the claims process

Similarly, reading about your insurance provider’s claims process can save you time and energy in an emergency. Your policy summary should include a list of documents you’ll be required to provide as part of the claims process, which may include receipts and medical bills.

After a covered incident, contact your insurer through the company’s website or mobile app as soon as possible. Most insurers also offer travel assistance services around the clock.

5. Purchase and safeguard your policy

You will need proof of your travel medical insurance plan to apply for a Schengen visa. Keep your insurance certificate in a secure yet accessible location, whether a digital version on your smartphone or a physical printout in your travel folder.

It may also be a good idea to share a copy of your policy with a trusted friend or family member back home so they can contact your insurance provider if you cannot request medical assistance due to an emergency.

Should I get travel insurance for Europe?

Travel insurance, especially within the Schengen Area, is not just recommended but often mandatory. To obtain a visa to visit the Schengen zone, you must show proof of having sufficient travel medical insurance.

How much travel insurance do I need for Europe?

What countries does europe travel insurance cover.

  • The first step before you travel to any Schengen country is to determine whether you need a visa and, therefore, mandatory travel medical insurance for a Schengen visa.
  • Check with your country’s embassy, Department of Foreign Affairs or the tourism website of the country you plan to visit for specifics about medical travel insurance for Schengen visa requirements.
  • You don’t need a visa or international travel insurance if you have a valid U.S. passport and are visiting the Schengen zone for less than 90 days in a 180-day period.
  • If you’re a U.S. national planning to visit the Schengen Area for more than 90 days, you must apply for a visa and secure adequate travel health insurance (at least €30,000 in travel medical and repatriation coverage).

© Copyright 2024 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 .

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IMAGES

  1. Travel Insurance Explained

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  2. How Does Travel Insurance Work

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  3. Infographic: What A Standard Travel Insurance Policy Covers

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  4. Travel Insurance Coverage: The Complete Guide

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  5. What does holiday and travel insurance cover?

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  6. What Does Travel Insurance Cover: A Guide to Choosing the Right Policy

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COMMENTS

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    Nerdy takeaways. Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more. Cost is affected by trip length, pre-existing medical conditions ...

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    A travel policy only covers the person named on the policy. As an example; if one of you was involved in an accident before your trip, the other person's policy would not recognise this and would not cover the cost of cancellation for the person who is not injured, if neither of you could travel.

  12. 12 Best Travel Insurance Companies of March 2024

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  13. What Does Travel Insurance Cover?

    What is covered by travel insurance. Most plans typically cover a range of trip protections, including accidental death and dismemberment, baggage delay or loss, emergency medical coverage and ...

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    Travel insurance can vary a lot depending on how much coverage you're getting and how expensive your trip is. CoverTrip advises its customers that travel insurance plans cost between 4 to 10% of ...

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    In most scenarios, travel insurance reimburses you for your covered financial losses after you file a claim and the claim is approved. Filing a claim means submitting proof of your loss to Allianz Global Assistance, so that we can verify what happened and reimburse you for your covered losses. You can file a claim online, or do it on your phone ...

  21. Travel Medical Insurance: How it works

    A travel medical insurance policy covers medical care and medical evacuation costs incurred when you sustain an injury or come down with an illness abroad. Some travel medical policies pay for ...

  22. How to Find Travel Insurance That Covers COVID

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  24. What is travel insurance and what does it cover?

    What does travel insurance cover? To find out what travel insurance covers, you'll need to read over the specifics of plans you're considering. After all, each travel insurance policy lists a range of covered events that qualify for coverage, as well as policy limits that apply per year or per trip.

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  29. What Is Schengen Travel Insurance?

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